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Nevada Auto Insurance-Evidence Of Insurance To Register Auto

Ins Maze — Sun, 25 May 2008 12:42:45 +0000

Nevada’s Insurance Verification Program (IVP) was established by the Nevada Department of Motor Vehicles to insure that all registered vehicles in the state of Nevada maintained a minimum of auto liability insurance.

With the cooperation of Nevada auto insurance companies, the Nevada DMV can verify whether or not a registered vehicle is currently insured. If auto liability insurance cannot be verified, vehicle registration will be suspended.

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Nevada’s Minimum Auto Liability Insurance Requirements

Bodily Injury or Death of One Person In an Accident	$ 15,000
Bodily Injury or Death of Two or More Persons In an Accident	$ 30,000
Property Damage to Property of Others	$ 10,000

Proof of these minimum limits of auto liability insurance coverage, as evidenced by a Nevada Evidence of Insurance card, must be maintained in the vehicle at all times.

Failure to maintain minimum auto liability insurance, as reported by insurance companies authorized to conduct business in the state of Nevada, can result in the suspension of vehicle registration.

If registration is suspended, a reinstatement fee of $ 250 may be required. This fee can be reduced if the driver has sufficient proof that the vehicle was not operated during the time auto insurance was not in effect.

Too bad that all states don’t pattern their auto insurance laws after the state of Nevada.

If you are responsible enough to drive, then you should be responsible enough to carry auto insurance.

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Illinois Health Insurance for All Kids

Ins Maze — Fri, 23 May 2008 16:51:14 +0000

An Illinois health insurance program to provide affordable health insurance for all kids in the state of Illinois was introducted by Governor Rod Blagojevich in July 2006. This health insurance program is called All Kids and is available to all children in Illinois who are 18 years of age or younger and who meet the insurance guidelines of the program.

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Who Can Enroll In All Kids Health Insurance?

The complete eligibility requirements for the Illinois All Kids health insurance program and applications can be found on the All Kids website, but eligibility requirements include:

Being a resident of Illinois
Being 18 years old or younger
Meeting All Kids insurance requirements

All Kids Insurance Requirements

Children can qualify for All Kids health insurance if they have insurance or lost insurance less than 12 months ago and their family’s income is less than:

Two person family: $27,000 per year

Three person family: $34,000 per year

Four person family: $41,000 per year

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Kansas Auto Insurance - Minimum Insurance Coverage

Ins Maze — Tue, 20 May 2008 19:42:23 +0000

Kansas auto insurance coverage is mandated by state law and the law mandates that every automobile insurance policy sold in the state of Kansas must have minimum coverages, inlcuding liability insurance, personal injury protection (PIP) and uninsured/underinsured motorist insurance coverage.

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Kansas Auto Insurance Minimum Coverage

Liability coverage

$25,000/person for bodily injury
$50,000/accident for bodily injury
$10,000/accident for property damage

Personal injury protection (PIP or No Fault)

Minimum amount required by law:
$4,500/person for medical expenses
$900/month for one year for disability/loss of income
$25/day for in-home services
$2,000 for funeral, burial or cremation expense
$4,500 for rehabilitation expense
Survivor Benefits: Disability/loss of income up to $900/month for one year
In-home services up to $25/day for one year

Uninsured/Underinsured

$25,000/person
$50,000/accident

Kansas Auto Insurance Rates

Preferred Insurance Rates

Kansas auto insurance companies consider these drivers the best insurance risks due to clean driving records in the past three to five years. These drivers get the best rates.

Standard Insurance Rates

Kansas auto insurance companies consider these drivers to be moderate insurance risks with reasonably clean driving records. Standard rates are somewhat higher than preferred rates.

Non Standard Insurance Rates

Kansas auto insurance companies consider these drivers to be the highest risk drivers due to incidents of speeding, accidents, reckless or drunk driving. Drivers under the age of 25 with less driving experience may also get non standard insurance rates.
Non standard rates are the highest insurance rates.

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Colorado Health Insurance - “Cover Colorado”

Ins Maze — Mon, 19 May 2008 22:07:53 +0000

CoverColorado is a statewide major medical insurance plan available to legal six-month residents of Colorado and new HIPAA eligible residents who are transferring their health insurance coverage from another state’s high risk insurance pool who have pre-existing health conditions which may prevent them from obtaining health insurance elsewhere.

Colorado Department of Insurance

Who Is Eligible For CoverColorado?

In brief . . .

Must be a legal resident of Colorado for a minimum of six months, unless HIPAA eligible.

Cannot already have health insurance.

Cannot be Medicare or Medicaid eligible.

Cannot have been terminated from CoverColorado in the past 12 months.

Full eligibility requirements for CoverColorado and be found on the website.

Colorado Discount Dental Plans Under $20
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Colorado Discount Health Plans Under $60
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What About Pre-Existing Conditions?

According to the way that I interpret the guidelines of CoverColorado, if a person has not been insured within 90 days prior to insurance application date, pre-existing medical conditions will not be covered for the first 6 months of coverage under CoverColorado.

Applicants who have had at least six months of continuous health insurance coverage within 90 days of the CoverColorado application will not be subject to the six month pre-existing limitation.

Is Family Health Insurance Coverage Available?

Everyone in a household may be eligible for CoverColorado, but there are no family rates.
Each eligible family member who is enrolled will be charged an individual rate based on such factors as age, gender, smoking status, etc.

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Arizona Insurance - Avoiding Phony Insurance

Ins Maze — Mon, 19 May 2008 20:24:04 +0000

The Arizona Department of Insurance introduced an insurance publication entitled - “Ways To Avoid Being A Victim of Phony Insurance” and it is available online. The Arizona Insurance Department advises consumers to do their research, whether they are looking for auto, home, life, health, business or any other form of individual or group insurance.

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Avoiding Phony Insurance In Arizona

The Arizona Department of Insurance suggests that residents of Arizona take precautions in buying all types of insurance, including:

Don’t let fancy websites or other marketing materials convince you that the insurance company is legitimate and reliable.

Research the insurance company by - contacting the Better Business Bureau (BBB), asking about registered complaints with the Arizona Department of Insurance, and check the insurance company’s A. M. Best financial rating, as well as, ratings with other financial rating services.

Ask questions, keep notes and keep copies of everything.

This is only a brief summary of the information compiled by the Arizona Department of Insurance to help Arizona consumers stay aware of the fact that there are phony insurance companies out there and we must stay alert to make sure we are dealing with a legitimate insurance company and that we are making the best insurance buying decisions. The complete Arizona publication can be found here.

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Illinois Auto Insurance - Can’t Find Auto Insurance?

Ins Maze — Mon, 19 May 2008 17:17:43 +0000

The Illinois Automobile Insurance Plan was designed for Illinois drivers who cannot find auto insurance through normal Illinois auto insurance markets because of bad driving record or the particular type of vehicle being insured. To be eligible to enroll in the Illinois Automobile Insurance Plan, a person must meet certain requirements.

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Requirements To Enroll In Illinois Automobile Insurance Plan

Illinois vehicle must be in safe operating condition

No outstanding balance to a prior auto insurance carrier in the past 3 years

Valid Illinois driver’s license or be eligible for license

Must be turned down by other auto insurance carriers

See Illinois Auto Insurance Plan

The auto insurance premiums will more than likely be higher than auto insurance companies in the normal insurance market, however, a person should be able to return to a standard auto insurance company if a good driving record is maintained while in the Plan.

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Indiana Health Insurance - Hoosier Healthwise

Ins Maze — Mon, 19 May 2008 15:52:46 +0000

Hoosier Healthwise is an Indiana health insurance plan for low income families, pregnant women, and children. Sponsored by the state of Indiana, eligible Indiana health plan members receive medical care like, doctor visits, prescription drugs, mental health care, dental care, hospitalizations, surgeries, and family planning at little or no cost to the health plan member.

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Who Is Eligible For Indiana Health Plan?

Children’s Health Plan
Children, up to age 19, and certain young adults up to age 20 (living with a caretaker relative), who meet Indiana’s income guidelines may be eligible for the Hoosier Healthwise health insurance plan.

Pregnant Women
Pregnant women in Indiana who meet income and assets requirements may be eligible for full or partial insurance coverage under Indiana’s Hoosier Healthwise health plan.

Low Income Families
Families who meet Indiana’s income/asset guidelines and who have children under the age of 18 living with them or other caretaker relative may be eligible for Indiana’s Hoosier Healthwise.

See Indiana’s Eligibility Guidelines

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Atlanta, GA-”Hotspot” For Fatal Teen Driving Crashes

Ins Maze — Mon, 19 May 2008 14:27:13 +0000

According to a study conducted by Allstate Insurance Company - “Allstate America’s Teen Driving Hotspots”, Atlanta, GA. ranked in the top ten of the nation’s 50 largest metropolican areas.

Georgia Department of Insurance

Teen Drivers In Atlanta, GA

It’s a fact that fatal auto accidents claim more American teen lives than anything else in the entire United States. Allstate’s study showed that Atlanta, GA. ranked “8th” out of the top ten most deadly “hotspots”. Here is Allstate’s top ten:

Tampa/St. Petersburg/Clearwater, FL.
Orlando/Kissimmee, FL.
Jacksonville, FL.
Nashville, TN.
Birmingham, AL.
Phoenix, AZ.
Kansas City, MO.
Atlanta, GA.
Charlotte, NC.
Louisville, KY.

Read Allstate’s study - “Allstate America’s Teen Driving Hotspots”.

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How Can We Help Our Teens Be More Responsible & Safer?

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Allstate seems to suggest that state and federal law makers should come up with more uniform national standards for drivers licensing laws. That may be one logical answer, but we, as parents, must take some responsibility in helping our teen drivers be more responsible.

Some Suggestions:

Talk about “smart” driving

Driving experience under low-risk situations

Supervised driving

Restrictions on late-night driving

Limits on teen passengers

Ban cell phones

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Tennessee Health Insurance - CoverTN

Ins Maze — Thu, 15 May 2008 15:15:28 +0000

The Governor of Tennessee introduced a limited-benefit health insurance plan to cover most medical services and was designed to offer options to small business owners and self-employed individuals that are affordable, portable and meet their specific health insurance needs. This health insurance program is called CoverTN and offers two different insurance plan types.

Tennessee Department of Insurance

CoverTN is administered by BlueCross BlueShield of Tennessee and offers either “Plan A” or “Plan B”.

CoverTN Health Insurance Benefits

Benefit*	Plan A	Plan B
Doctor Visits	$15 copay Up to 5 visits year	$20 copay Up to 6 visits per year
Prescription Drugs	$10 copay generic $25 copay brand-name (insulin only) Qtr. limit $250	$8 copay generic $25 copay brand-name (insulin only) Qtr. limit $75
Inpatient	$100 copay $10,000 annual max	$100 copay $15,000 annual max.
Emergency	2 visits per year	2 visits per year
Outpatient Surgery	$25 copay 1 surgical visit per year	$25 copay 1 surgical visit per year
Outpatient Diagnostic	$25 copay 2 non-surgical visits per year	$25 copay 2 non-surgical visits per year
Durable Medical Equipment	100% $500 annual max	Not covered
Preventive	No copay 1 adult physical per year 1 well woman visit per year	No copay 1 adult physical per year 1 well woman visit per year

* Both plans have a maximum annual insurance benefit limit of $25,000 per year and when individuals reach the insurance benefit maximum, they are responsible for all expenses exceeding $25,000 until the next insurance plan year begins.

CoverTN Health Insurance Premiums

CoverTN is a voluntary partnership between the state of Tennessee, the individual purchasing the health insurance plan, and the employer, where each agree to pay one-third of the monthly insurance premium.

Individual health insurance premiums under the CoverTN program can range from $37 to $109 per month and will vary depending on age, tobacco use and obesity.

For complete details, eligibility requirements and enrollment procedures, visit CoverTN.

Other important Tennessee insurance contact information can be found here.

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Georgia Health Insurance For Kids

Ins Maze — Thu, 15 May 2008 13:43:42 +0000

In 1998, the Georgia General Assembly created a comprehensive health care program for uninsured children known as PeachCare for Kids™. Uninsured children living in Georgia can have the following health insurance benefits.

Georgia Department of Insurance

Primary Health Services
Preventive Health Services
Specialist Healthcare
Dental Care
Vision Care
Hospitalization
Emergency Room Services
Prescription Medications
Mental Health Care

Health Insurance Eligibility

According to the Georgia Department of Community Health, childern under the age of 19, who do not have health insurance and who come from familes with income levels equal to 235% of the federal poverty level may be eligible.

Health Insurance Cost

Evidently health insurance premiums are required for eligible children 6 years of age and older. The health insurance premium can be as high as $35 for one child and up to $70 for two children or more, in the same household.

To obtain complete details of this health insurance program for children in Georgia, visit their website.

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