Car insurance can kiss my grits. I’ve been through two wrecks, neither am I in the wrong. Both cars are scrap metal. What does my insurance do? They give information about the other driver and just basically tell me good luck. Happy hunting. Car insurance only helps you if you are in the wrong. I think this is complete bull. So I’m paying out about four hundred dollars for some insurance yo-yo to give me the same information I received at the scene of the accident. Am I crazy? Why am I paying these people? And no, I am not the type of person to call in the lawyer. To me that seems trashy and neck collars don’t look good on me anyway. I just want what’s owed to me.
My first accident, I was driving a ’91 Mercury Sable. This was before they went compact. I could fit 4 and half people in my trunk. Well, small people. My car insurance, Progressive. I was at a dead stop, and then, rear-ended by a Crown Victoria. My trunk was in my back seat. Yeah this car was cruising at a 40 miles per hour. To make this short, I had to go to physical therapy, for about five months. I could not work, because of actual whiplash. I get so mad when people say they have that when they don’t. Whiplash is when you don’t even want to turn you eyes to the left or right because the pain is excruciating. So when people say they have that while being able to move their heads from side to side, I say this with an extended finger, ” Up yours!” I digress, well it was ravishing juggling the hospital bills and physical therapy payments. I had to keep track of all the receipts and send them off to my insurance and also to the other guy’s insurance. Progressive, hey, help a sister out here.
I was offered a rental car for two weeks, but I had to get within a certain time limit. So I’m seriously injured, can’t really drive just yet, but if I need a car I had to get it on their terms. I mean really, this is fair absurd. My car was turned into a Volvo. I can barely walk around without looking like Frankenstein’s monster. And I have no upfront money to purchase a new car. What do these idiots expect you to do? I hate these people!
I was paid for my lost wages. Thank God. But the other guy’s insurance company sent a couple of spies (investigators, whatever you want to call these worms) to make sure I was the true McCoy. I mean by that I was really hurt. They would actually drive to my house for some bogus excuse to watch if I’m really laid up. Of course when I answer the door, they have the shark tooth smile on their faces. “Oh, you’re walking around? So you’re feeling better? ”
“You rang the doorbell, didn’t you? How else would I answer the damn door.”
They would drive by my work as well. Oh, I’m getting furious all over again. And this happen about 9 years ago.
And what does my car insurance do for me in my moment of need? Nothing. They just ask when will I attain turning in my receipts.
So Louisiana state law: You must have car insurance.
So Claire Bankston’s law: Phooey on car insurance companies. And their moms! That goes double for Progressive!
Filed under Auto Insurance Quotes by on Feb 24th, 2011. Comment. 
It is recommended that families should believe
children’s health insurance programs as a way to cover the expenses should any of the children get ill or require any form of surgery or other medical expenditure.
Most children’s health insurance programs are relatively affordable and they can put the family from a lot of stress and worry caused by the financial burden of medical expenditure should it ever be required.
There are a wide range of children’s health insurance programs to choose from with most insurance companies and you really need to determine what level of cover best suits your needs and then carefully read all the terms of the children’s health insurance program to determine whether a particular program sufficient for you.
With increasing medical expenditure occurring all the time it is well worth considering investing some money in a children’s health insurance program as it is generally not until something happens that you realize how important such an investment is.
Gain Kids Health Insurance Quotes at: USInsuranceOnline.com takes the worry out of insurance researching by giving you FREE quotes from top companies in a couple of minutes.
Top companies with agents providing quotes
AAA, Aetna, AIG, Alliance for Affordable Services, Allstate, American Family Insurance, American Service Insurance, Assurant Health, Blue Cross Blue Shield Health Plans, CNA, Continental, Country Insurance, Dairyland Insurance, Erie Insurance, Farm Bureau, Farmers Insurance, Fortis, Golden Rule, Humana, Kaiser Permanente, Mega Life and Health, Mercury Insurance, Mid-West National Life, Nationwide, Progressive, Prudential, Safeco, Time Insurance, Travelers, The Hartford, Unicare, United Healthcare, World Insurance, and over 100 others.
Online Insurance Guides and Resources
Health Insurance Resources – Includes types of health insurance plans, information on health insurance carriers, state-by-state medical insurance guides, and information for high risk individuals and families.
Online Auto Insurance – Explains types of car insurance policies, the details of auto insurance, state-by-state consumer guides, information for high risk drivers, and more.
Online Home Insurance Guides – Find out about types of home insurance programs, top homeowners insurance agencies, set home insurance laws and regulations, and other topics related to home owner insurance programs.
Life Insurance Online – Find out about different types of life insurance programs, check life insurance company statistics, and get details about life insurance for high risk individuals.
Annuity Resources – Find detailed descriptions of different annuity kinds, find out about the components of annuities, and get all the information on how annuities work.
Filed under Auto Insurance Quotes by on Feb 22nd, 2011. Comment.
The Navy Federal Credit Union was established in 1933 and is currently going strong with over 2.8 million members. You can remain a member even after you leave the Navy, secure married, change your name etc. In order to join you need to be Navy personnel, have a job within the Navy including civilians, be part of an officer training program, or be a family member of someone in the Navy. If you meet the requirements all you need to do is fill out a simple application. This application can be found online.
There are several different account types to determine from.
Share Savings
Basic account
Safety and Soundness Guarantee
Free Life Savings Insurance
Can have more than one Savings account in your name
Competitive rates
No monthly service charge
Checking
There are 4 types of checking accounts; EveryDay Checking, e-Checking, Flagship Checking and Campus Checking. All have some of the same features such as:
Dividends(earned from deposit date to withdrawal date)
Free Visa Check Card
Free Web Bill Pay
Free unlimited use of Navy Federal ATM’s
Free transactions at CO-OP Network ATM’s
Free 24-hour online Account Access
NAVcheck Overdraft Protection option
Variety of check styles available on online check ordering
Some are free of monthly fees
Money Market Savings Account
Earn more than Share Savings
Limited number of transactions
Minimum of $2,500 to earn dividends
Dividends paid monthly
Safety and Soundness Guarantee
Free Life Savings Insurance
No term restrictions or minimum balance
Shared Certificates
Earn higher dividends than share savings
Requires you to lock in money for a predetermined amount of time
All come with Safety and Soundness Guarantee
EasyStart Share Certificates
Share Certificates
Jumbo Certificates
Money Market Certificates
Custom Club Account
Kids Club Account
They get their own membership card
Rewards for increasing their account balance
Safety and Soundness Guarantee
Life Savings Insurance
They also offer IRAs, ESA’s and Estate Management Tools.
There are several loans to decide from and there is a .25% discount available on current Fixed Equity Loans.
Auto Loans & Auto Leasing: Rates 3.50%-7.00%
Equity Loans: Rates 6.650%-8.750%
NAVchek Line of Credit: Rates 12.50% APR
Motorcycle, Boat, RV & Collateral Loans: Rates 5.75%-9.00%
Mortgage: Rates 4.500%-6.750% interest & 5.097%-6.902% APR
Education Loans: Rates 6.80%-8.50%
Other Miscellaneous Loan Options: Rates 2.00%-11.00%
They have 4 credit cards and 2 debit cards to choose from.
Credit Cards
nRewards: Rates 7.90%-9.90% Available in Visa & MasterCard
goRewards: Rates 7.90%-9.90% Available in Visa & MasterCard
Flagship Rewards: Rates 7.90%-9.90% Available in Visa
Platinum Card 7.90%-9.90% Available in Visa & MasterCard
Debit Cards
Visa Check Card- Pay for goods and services, worldwide ATM card, make loan payments, access you NAVcheck Line of Credit, zero liability, password protection through CardGuard, no monthly or Point-of-Sale transaction fees & daily limits of $2,500 for Point-of-Sale and $400.00 for ATM’s.
Navy Federal’s CUCARD- Worldwide ATM card, make loan payments, pay for goods, get cash back & daily limits of $5,000 for debits and $400.00 for cash withdrawals.
They have brokerage services available such as stocks, mutual funds, baskets of stocks, real-time online trades, broker-assisted trades, twice-daily window trades, fractional allotment purchases of stock, limit orders, story access, account minimums and quotes.
Insurance & Annuities
Commercial Property and Casualty Insurance
Discount on GEICO Auto Insurance
Variable Annuities
Term and Whole Life Insurance from CUNA Mutual & Navy Mutual Aid Association
$2,000 of Accidental Death and Dismemberment Insurance is free to member of the credit union, but you tranquil need to sign up
They offer Money Management services such as:
Workbook: Comprehensive analysis
Quick Checkup: 5 minute analysis
Financial Calculators: Can be used for various things such as reducing your debt and starting a savings plan
There are Trust Services available as well such as:
Tax Savings Strategies
Estate Settlement
Asset Management Services
Revocable Living Trusts
Charitable Giving
Life Insurance Trusts
They have several other services at the disposal of members like Small Business Services, Online Account Access, Legend Management and Member Specials and News Alerts.
There are several locations throughout the United States as well as Overseas Locations.
For detailed listings you can visit their website.
Throughout the network there are No fee ATM’s at most branch offices or located nearby, 25,000 fee-free CO-OP ATM’s for cash and 840,000 ATM’s worldwide.
Contact Information
You can call (888)842-6328 within the US or for International Collect call (703)255-8837
For mailing addresses visit here.
You can also visit any branch
For detailed information, to become a member and for everything else please visit
Filed under Auto Insurance Quotes by on Jan 20th, 2011. Comment.
It is recommended that families will need to contemplate
children’s health insurance programs as a way to cover the expenses need to any of the youngsters get ill or need any form of surgery or other medical expenditure.
Most children’s health insurance programs are somewhat cost-effective and they can save the family from a lot of tension and worry caused by the financial burden of medical expenditure should really it ever be needed.There are a wide range of children’s health insurance programs to decide on from with most insurance firms and you definitely require to decide what level of cover finest suits your wants and then carefully read all the terms of the children’s health insurance program to figure out regardless of whether a specific program sufficient for you.With growing medical expenditure occurring all the time it is well worth thinking about investing some cash in a children’s health insurance program as it is typically not until some thing occurs that you recognize how crucial such an investment is.Get Children Health Insurance Quotes at: USInsuranceOnline.com takes the worry out of insurance researching by giving you Totally free quotes from top organizations in a couple of minutes.Top organizations with agents providing quotes AAA, Aetna, AIG, Alliance for Cost-effective Services, Allstate, American Family Insurance, American Service Insurance, Assurant Health, Blue Cross Blue Shield Health Plans, CNA, Continental, Country Insurance, Dairyland Insurance, Erie Insurance, Farm Bureau, Farmers Insurance, Fortis, Golden Rule, Humana, Kaiser Permanente, Mega Life and Health, Mercury Insurance, Mid-West National Life, Nationwide, Progressive, Prudential, Safeco, Time Insurance, Travelers, The Hartford, Unicare, United Healthcare, World Insurance, and over 100 other people.On line Insurance Guides and ResourcesHealth Insurance Resources – Consists of sorts of health insurance plans, information and facts on health insurance carriers, state-by-state medical insurance guides, and information and facts for high risk people and families.On line Auto Insurance – Explains kinds of automobile insurance policies, the details of auto insurance, state-by-state consumer guides, information and facts for high risk drivers, and much more.On line Residence Insurance Guides – Discover out about varieties of house insurance programs, top homeowners insurance agencies, state house insurance laws and regulations, and other topics related to property owner insurance programs Life Insurance On the net – Uncover out about distinctive varieties of life insurance programs, check life insurance business statistics, and get details about life insurance for high risk people Annuity Resources – Uncover detailed descriptions of distinct annuity kinds, locate out about the components of annuities, and get all the facts on how annuities work .
Filed under Auto Insurance Quotes by on Dec 20th, 2010. Comment.
When you take a motor scooter or moped, the first order of business should be to determine how distinguished insurance is required to operate the vehicle. In most states, including New York, mopeds and motor scooters are classified similarly to motorcycles.
They can be ridden on public streets (subject to certain restrictions), and they must be registered and insured. The insurance won’t be as high on a moped as it would on a motorcycle, but you smooth need to be able to demonstrate financial responsibility.
Factors that Affect Insurance for Mopeds and Motor Scooters
As soon as you buy a motor scooter or moped (or even before you acquire it), contact your insurance agent. Let him or her know the precise make and model of the moped you are buying, and ask for a custom quote. You will need to provide a variety of information, including how the motor scooter will be used.
Keep in mind that you might not be able to get insurance or registration for some types of motor scooters and mopeds. In Unusual York Location, for example, the vehicle must be DMV-certified before you can register and insure it, so you’ll want to make sure you are buying an appropriate machine.
Moped and Motor Scooter Insurance Levels
In most cases, you will only need to purchase liability insurance for your motor scooter or moped. This means that your insurance coverages pays for damages you cause to other people or property. If you want to protect your own property, however, distinct types of collision and/or comprehensive coverage may be available for your moped, as well as personal injury protection.
When you finance a motor scooter, your lender might require you to lift more than minimum insurance, increasing the liability requirements as well as collision. This is to protect the lender in case you wreck the moped before you’ve paid off enough of the loan to cover the damages.
Some insurance companies offer specialized packages for motor scooters and mopeds. These packages are designed to cover the calamities that often befall owners of those types of vehicles, and often include varying levels of liability, collision and comprehensive insurance coverage. You can ask your insurance agent if you are able to build a custom package or if you have to buy a pre-defined package.
Save Money on Insurance
When you buy insurance for your moped or motor scooter, ask your insurance agent about ways to save money. For example, if you piggyback the policy on top of another policy, will they give you a discount? What if you only ride the vehicle in rural or unpaved areas?
You might want to obtain several insurance quotes before making your decisions. Mopeds and motor scooters require more specialized attention than, for example, a car insurance policy, so it pays to do your research.
Filed under Auto Insurance Quotes by on Dec 15th, 2010. Comment.
