All State Insurance

Posted on Monday, 2nd May 2011 by

Deciding what type of life insurance to purchase can be challenging to those who want to make sure they buy the very best coverage for their family. The two main types of coverage to purchase are term and permanent. Which is the best choice for you? Since making the right choice depends on your circumstances, lets take a closer look at how you might decide.

The Difference between Term and Permanent Insurance

First lets take a look the two types of coverage. Term life insurance is a predetermined sum of money people pay to cover their death if occurs during the specified period of time.

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Tags: Insurance, Life Insurance

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Posted on Saturday, 30th April 2011 by

Air rage is an all-too-common experience on some flights today. The stress of a long flight, exhaustion and irritation can make some people violent towards cabin crew and other passengers. Why does air rage happen?

Air rage is psychological or physical violence towards flight attendants or other passengers on the flight. Air rage can be brought on by many factors. The passenger in question may have been frustrated by delays and missed connecting flights, or exhausted due to lack of sleep. Sometimes the behavior of other passengers can push an angry person over the edge. In other cases, the passenger is under the influence of alcohol.

Sometimes cabin crew are afraid for their safety or that of the passengers and must land somewhere other than the intended destination.

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Tags: Air Rage, Rage

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Posted on Saturday, 30th April 2011 by

A recent report from the Insurance Information Institute (I.I.I.) highlighted the problems that the state of New York is currently facing as a result of fraud and abuse that is exploiting its no-fault auto insurance system.

According to the I.I.I., the total bill for fraudulent claims and abuse of the no-fault system in New York in 2010 was $204 million. Who footed this bill? Why, honest drivers in New York, of course, along with auto insurance companies. This $204 million created, in essence, a “fraud tax” of a whopping $1,311 per claim – or 15 percent of each no-fault claim – the I.I.I. report noted. (Relate

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Tags: New York, York

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Posted on Thursday, 28th April 2011 by

John Hancock Life Insurance Co. has reached an agreement with nearly two dozen states to settle a dispute over how the Boston insurer pays life insurance policies and annuities. The move comes after 35 states and the District of Columbia audited the company, alleging that it abuses its policies and contracts, not paying properly after a person dies.

John Hancock Mismanaged Beneficiary Funds

The insurance company is required under its contracts to properly pay beneficiaries after a policyholder dies.

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Tags: Boston Insurer, Insurer, Life Insurance

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Posted on Tuesday, 26th April 2011 by

A new bill that would ban the act of texting while driving in Maine is working its way through the State Legislature.

Senator Bill Diamond is sponsoring LD 736, legislation that specifically aims to prohibit texting while driving. The bill would ban sending electronic communications, including text messages, instant messages and e-mails, using a portable electronic device while operating a motor vehicle.

Using global positioning or navigation systems would not be included on the list of prohibited activities.

Violators would be fined a minimum of $100.

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Tags: Driving, Texting While, Texting While Driving, While Driving

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Posted on Monday, 25th April 2011 by

Summer’s around the corner and thoughts turn to outdoor festivals – music, food, dancing and socializing under the sun. And when you want to travel further afield for your festival fix, head to Europe, Canada, South America and many other destinations that now feature summer festivals. How can you make sure your festival trip is safe and fun?

Buy travel medical insurance that fully protects you when you travel abroad. Your domestic health insurance probably won’t help you in Spain, or Montreal. Consider a plan including trip cancellation insurance in case you are unable to fly and lose the money you paid for tickets, or have to miss a day of the festival.

Leave your valuables in a safe place, or better still, at home. When

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Tags: Festivals, Festivals Abroad

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Posted on Monday, 25th April 2011 by

Judges in Michigan, D.C., and Virginia have upheld the health care insurance reform law. Two judges, in Virginia and Florida, have struck down all or a part of health care reform. All involved agree the matter is headed to the United States Supreme Court.

The Attorney General of Virginia had asked the Supreme Court to take the case directly and take it out of the Court of Appeals. On Monday, the Supreme Court rejected that request. The case remains at the 4th Circuit U.S. Court of Appeals and is set for argument on May 10, 2011.

Other Circuit Courts in Cincinnati and Washington D.C., have arguments over the Affordable Care Act set for June and September.

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Tags: Care, Health Care

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