Before deciding on an auto insurance coverage, find out about what each of the choices cover. You will be able to obtain great savings if you comprehend what you really require in an auto insurance plan. Do you need the towing option?

Buying car insurance is required by law and you do not have a say in the matter. However, you can select which company you sign with and which one provides the very best features that fit your needs. Before signing any paperwork for a business, make sure to do your part of the study by checking out as much as you can on this topic. The tips below will help to assist you to figure out all you need to find out about buying the right auto insurance protection.

If you don't use your car more than transporting children to the bus stop and, or to and from the store, ask your insurance company about a discount for decreased mileage. The majority of insurance businesses base their quotes on an average of 12,000 miles per year. If your mileage is half that, and you can show it, you should get a lower rate.

When on the hunt for car insurance, you can cut out the middle man to save money. Shopping online, straight through a business website, is most likely to save you the most cash. Insurance companies that permit you to purchase online are relatively reputable and it is more affordable because you are not using a representative.

Do some comprehensive planning ahead when searching for your next car. Planning ahead can conserve you a great deal of money when it comes time to put it on your car insurance plan. Begin taking a look at stats and comparing prices early on.

The type of vehicle you choose to drive can affect the cost of your car insurance, specifically if you drive a sports car. Insurance for cars is normally more expensive since these automobiles have a high theft rate and poor collision efficiency. However, it pays to shop around because different insurance companies have various methods of deciding what specifies a sports car. While any little, quick car with 2 doors is generally considered a car, the differentiation gets harder when it pertains to four-door automobiles. Because one agency classifies your car as a sports car does not imply the next one will do the very same.

Before deciding on an auto insurance coverage, find out about what each of the policies cover. You will be able to obtain great savings if you comprehend what you really require in an auto insurance plan. Do you need the towing option? Extensively study your policy prior to signing on the dotted line, is a must.

Do your best to keep an excellent credit rating. Lots of insurance businesses will certainly look up your credit history and this will certainly affect your premium. You can improve your credit rating by getting out of debt and build it up by paying credit card charges regularly.

When purchasing car insurance, see to it you do your research and shop around. You can do this online. Look for companies that will certainly give you the very best discount rates in addition to the very best price. There is no reason to pay too much for car insurance.

You need to make sure you cancel your insurance if you want to switch your automobile insurance company. By doing this you can be sure to leave on great terms with the company you are canceling with in case you change your mind and wish to go back to them. This will also protect you from non payment which can affect your credit.

You need to call your insurance business if you get a DUI. There are some states that need drivers who have actually gotten a DUI to get a certain kind of insurance coverage in order to have the ability to drive on the road. This protection is often more costly and needed for a prolonged time period.

Despite the fact that auto insurance is something that'srequired by law for you to have, make sure that you sign with a company that'sright for you. Remember you can select who you sign with and what coverage youneed. Apply the tips above for a sure-fire way to acquire the ideal carinsurance for you.

Article Source: http://EzineArticles.com/8702718

Every auto insurance company offers several different options for paying your vehicle insurance premium. Several car insurance firms let you pay over the phone or online by electronic check or credit card, while others will require you to send in a check payment. You may also have the option to make an installment payment or pay for your insurance premium up-front, and you will save a few dollars each month in penalties and transaction fees.

Annual premium payments typically do save you money over the course of the year, and can also help you save time because you don't have to worry about making a payment by a certain due date each month. Here are some important things you should know about paying your car insurance in full:

Cost Benefit of Paying Car Insurance in Full

A large number of car insurance firms offer the option of making quarterly or perhaps even monthly payments for a fraction of the yearly premiums as a convenience for their customers. Whether or not paying up front will be beneficial for you depends on your specific circumstances. For some people on a tight budget, it is simply easier to pay in installments. In these cases, the car insurance provider can set up an auto payment with your checking account and deduct the payment each month automatically.

However, there is typically a fee associated with making installment payments. In some cases, you will be paying up to $10 or more per payment and may also incur billing and processing fees. If your policy is low enough that you can afford to make a one-time payment, you will enjoy some money-saving benefits.

Fees Associated with Insurance Installment Payments

In addition to the monthly fees associated with making insurance installment payments, you may be responsible for paying service fees per transaction when paying by credit card, over the phone or online. Different car insurance providers have different policies on transaction fees, but these will add up if you choose to pay on a monthly, quarterly or installment payment program.

When you choose to pay your auto insurance premium in full, you may only be required to pay a single transaction fee. In many cases, you can simply send in a check for the full amount and avoid transaction or processing fees altogether.

Paying your car insurance in full offers a number ofmoney-saving benefits. Installment plans are designed as a convenience forcustomers that may be on a tight budget, or for those who simply don't have thefull amount of their premium available to make an upfront payment. In mostcases, you can avoid many types of transaction and service fees simply bymaking a one-time payment for your car insurance in full.

Article Source: http://EzineArticles.com/8696952

Automobile Insurance is considered to be a "necessary evil" by many folks who feel that they will never or rarely use it. Many folks tend to want to pay for the least amount of insurance that they have to and at the lowest price. Just be sure not to make these common auto insurance mistakes.

1. Assuming you need only minimum limits because "you don't own anything." 

Recent graduates starting their careers may not currently have a lot of assets to protect but they do have a lifetime of future wages. Judgments for damages caused to others can follow you and cause your wages to be garnished to satisfy them. The cost of higher limits can be extremely minimal. Be sure to evaluate the cost benefits of all your options.

2. Not matching your "Uninsured/Underinsured Motorist" liability limits with your "Bodily Injury" liability limits. 

The reason that you have liability insurance is to protect yourself by paying for the damage done to others if you cause an accident that is your fault. So what happens when the accident is someone else's fault and they don't have insurance or only have minimum limits? You should be protecting yourself with the same limits that you are protecting others.

3. You don't have all of your personal policies with one company or one agency.

Most companies offer significant discounts for you to have all of your policies with one company and in most cases, it makes a lot of sense to try to do that to take advantage of every discount you can qualify for. In the cases where that may not be possible, at the very least have all of your policies with one agency to be sure that you have no "gaps" in your coverage. If you have assets to protect, (a home, cars, personal belongings) you should have an umbrella policy that will give you liability coverage in excess of what is offered on the standard auto policy. A million dollars of coverage may cost less that $200 annually and can buy an awful lot of "peace of mind." However, umbrella policies require certain limits be maintained on your auto and home policies in order to "seamlessly" payout. For this and many other reasons, you should have a professional agent manage your insurance program.

4. Assuming all contracts and insurance companies are alike.

Insurance is basically a promise made by an insurance company to pay a loss in exchange for premium. Insurance companies have different financial ratings and reputations. Paying your premium doesn't mean you are going to be satisfied with the handling of your loss. If you own a nice vehicle- lets say a BMW for example: unless you have specific coverage for "original equipment manufacturer" (OEM) parts, generally aftermarket parts will be used on your vehicle after a loss. This is not a bad thing. Many times the warranties and quality of these parts are the same or perhaps better than the original part but if you are concerned that new windshield has "BMW" stamped on it, you need to specifically have that coverage.

5. Assuming you don't need "Medical Payments" coverage because you already have "great" medical insurance. What about all the other people in your car? Most contracts include any family member and any other person occupying your vehicle. It also usually covers funeral expenses and the coverage limit applies to each injured person. The limit can also "double" the amount if a seat belt was being worn. There is also no deductible unlike most health insurance.

Auto insurance is a very important part of your personal insurance program. Many considerations go into being properly covered. You don't need to "over pay" for proper coverage but being with a great company, with great coverage that exactly fits your needs is what you should be striving for. Here's hoping you never have to use it!

Sharon L Graeter, CPCU is Co-Founder and Director ofDevelopment for West Connect Insurance Solutions. She has 35 years experiencein the Insurance Industry and is a contract expert. If you would like to signup to receive her free informational e newsletter, please go to

Article Source: http://EzineArticles.com/8699766

In the minutes after an accident, you may feel confusion and commit a few errors that may cost you on an auto insurance claim or deferral the procedure of getting installment for the accident. These slip-ups may appear minor and irrelevant, yet it is data and documentation that would help your claims to accelerate the procedure or in a more genuine case, help in safeguarding you in court.

At the scene of the accident, here are a couple of things that you ought to make sure to keep away from:

1. Conceding flaw. There are little chances that your insurance Claim Adjuster can do to guard you against the other driver's guarantor if you have effectively conceded shortcoming to the mischance. Regardless of the fact that you know whether it was your fault, let your accident coverage organization deal with the "fault" in the accident.

2. Not taking pictures. Attempt to take a picture of the accurate scene of the accident, obviously just in the event when it is safe to escape from the auto to do so. If you can't venture out of the auto, pull into the closest, safe stopping region and take pictures of the scene, and also each of the four sides of your auto, odometer and air packs (if the sacks conveyed). Doing this, can truly help you in accelerating the tactic and, as specified before, safeguard you if the case goes to a court.

3. Not calling the police. Indeed with small accidents, you ought to search out a cop to compose an authority police report. Some insurance claim agencies may feel that you may be concealing something deceitful if you report accident without an authority police report.

4. Not getting all important data. Other than getting the other driver's protection data, name, permit plate number, driver's permit number, you'll have to get other data too. A few points that you may be overlooking is the model of the auto, whether there are different travelers in the other auto, if there were kids in the auto, the reacting cop's name and insignia number, names and telephone numbers or any witnesses. This is data that needs to be rounded out when you make a protection claim for the accident.

5. Staying away from medical help. Despite the fact that you may feel fine promptly after the accident, the agony may uncover itself after a couple of days or even months after the fact. It may have appeared to be a light accident, yet the effect on your body may be extreme, for example, whip lash. Mention sure, say any harm to your protection claims agent with the goal that they can cover your doctor's visit expenses as well.

6. Not informing your insurance claim agency instantly. There are circumstances where the harm doesn't appear to be a great deal and the other driver implores you not to make an insurance claim so they can simply pay out of pocket. It is best if you tell them that you must report all accidents so that your transporter can take care of the expense of harms. Expenses may be higher than the other driver evaluated and they will be unable to blanket it out-of pocket.

Dodge these six oversights to accelerate your insurance claim process and to help in safeguarding your case. Pictures and authority police reports are the most ideal method for verifying that your actualities are correct.

A good car insurance firm can help you to provide a good insurance services. I hope above tips can help you to get a suitable insurance firm for your car.

Article Source: http://EzineArticles.com/8709747

Car buyers constantly worry about their car getting damaged because the cost of repairs is phenomenal. But, now you can put all your tensions and worries to rest by obtaining comprehensive car insurance package. The insurance policy is ideal for protecting you against damages caused by factors other than collision.

Owning and running a motor vehicle can be expensive. But being left without your car for any number of reasons can be even more expensive and very stressful, particularly if you haven't taken out car insurance.

Insurance is very crucial for every car owner because it protects you from future unexpected problems. However, shopping around for car insurance can be confusing and frustrating, especially if you are a first-time car buyer. It is because you have to understand the different types of insurance policies that are available in the market. You also have to decide which policy is essential for you and which one isn't.

When you are in the insurance market, you must opt for the policy that protects you against several damages. Comprehensive car insurance coverage is one such policy that provides coverage against a wide range of unexpected and unpredictable damages to your car that are not related to a collision (you have not struck another vehicle). Here is a list of what can cause damage to your car:

>> Theft

>> Vandalism

>> Fire

>> Natural disaster (e.g. storm or flood)

>> Falling objects

>> Damage done to your car by animals

>> Damage done to your car as a result of civil disturbance (e.g. riot)

Why Buy Comprehensive Car Insurance?

It is a very interesting question you may ask yourself as you shop around for insurance. Here is a list of questions to think about when deciding to buy comprehensive car insurance coverage:

1. Does your Lender require Comprehensive Car Insurance?

If you purchase or lease your new car and you got finance from a lender, you should check with the lender that holds your car loan or lease to make sure if the insurance is required.

2. How Old is your Car and what is your Car's Worth?

If you have an older car and it is not worth much money, you may be confident that you can afford to repair or replace your older car. In such a situation, the insurance policy is not necessary for you. Comprehensive car insurance coverage can be a very smart investment for those people whose car is worth a huge amount of money. It is also ideal for those who don't have the money on hand for repairs or replacements after an accident.

If you are still tempted to avoid insurance, you should weigh up your options between paying insurance premiums against how much money it will cost to repair or replace your car. It is always better to choose a safer option. Remember that comprehensive car insurance coverage will provide you the peace of mind knowing that you will be protected in the event of any unforeseen damage.

Article Source: http://EzineArticles.com/8722181

With winter now behind us, as the weather begins to finally get warmer, more drivers may be encouraged to hit the road. With the likely threat of wet weather in the months ahead, the condition of the roads in the early spring may begin to affect driving. There are many aspects to improving safe driving that go beyond just having the right auto insurance plan. By paying attention to the road, and being aware of difficult driving conditions, motorists can keep themselves and their families safe when driving during the wet season.

1. Navigating wet roadways can be tricky

This is true, especially as the weather begins to warm up. If it has not rained in a while, use caution when driving. This is because the roads will almost certainly become more slippery. Difficult driving conditions don't necessarily require significant rain, as a light sprinkle after a dry spell can make the road difficult to navigate because oils and other residue will begin to reach the surface, reducing a car's ability to grip the road.

2. Always drive cautiously, keeping an eye out for hazards

Driving slow will prevent slipping and sliding because of the wet surface, and a driver may not be able to stop if they are going too fast, or traveling too close to the car in front of them. Paying attention, and knowing what the road offers will help a driver get to and from their destination safely, especially when driving on slick roads when it is extremely important to make good decisions.

3. Traffic poses many dangers

In difficult conditions, keeping an eye on the flow of traffic is very important. While drivers are taught to keep a safe distance from other cars at all times, it is important to follow this rule even more closely on wet roads. Not allowing enough space can greatly increase the chances of a crash.

4. Concerns about other drivers

While one driver may be paying attention to the conditions, as well as the traffic, not everyone does this at all times. It is important for those behind the wheel to ensure they are aware of what is going on around them. Doing this can prevent accidents. Make sure to be aware that other cars can hydroplane or lose control at any time.

5. Puddles can cause accidents as well

Water that collects on the roadway can make a car hydroplane and force the driver to lose control. If driving around the puddle is not possible, reduce speed in order to better maintain vehicle control.

One more way to improve the feeling of being safe on the road is getting the proper auto insurance coverage. This will certainly help when an accident does occur.

Kellie M. Atkinson is an Insurance Agent for Dryfoos Agency which is located in Hazleton, Pennsylvania and specializes in Business Insurance, Surety Bonds and Worker's Comp.

Article Source: http://EzineArticles.com/7715270

How should you choose between different types of commercial auto insurance? It all comes down to what your business does, and how your business does it.

As a business owner in any industry, protecting yourself and your business with the correct form of insurance is always crucially important. You must do everything that you can to guard against unforeseen circumstances before they occur, so they are unfortunate but never disastrous or ruinous for your company. Additionally, having the correct form of insurance may also be a requirement for your industry or profession.

When it comes to commercial auto insurance, how exactly can you find the right type of coverage? As always, this boils down to what your business does, including the goods you may be transporting or the services you may be providing, how your business does it, and what type of vehicle your business utilizes to fulfill that objective.

Along those lines, there are several broad classifications which will provide a good starting point. For example, one of the more common types of commercial auto insurance is owner operator insurance, sometimes abbreviated as OOIDA. This is specifically designed for individuals who are owner operators in the trucking industry, and provide for-hire transport services.

Many businesses utilize a regular car for simple purposes and end up needing commercial auto insurance in addition to personal auto coverage. For example, a realtor may drive clients from the office to various houses around town. Commercial auto insurance is needed here. Or perhaps you make deliveries of food or other goods. You need commercial auto here, too.

You might also be utilizing a business van for local deliveries of flowers, packages or newspapers, or anything else, or perhaps you give customers rides to and from your location in a van. Once again, you need commercial auto here too, although there are special policies specifically designed for company vans.

Another classification is commercial auto insurance for the construction and contracting industry. Whether you're the project manager and you simply are driving your car to the job-site, or you're hauling materials and equipment utilizing a van, truck, pickup, flatbed truck, or anything else, this is another specific type of coverage which is available.

There is also specialty business vehicle insurance. Specialty vehicles are those which don't fit easily into other broad categories, such as semi-trucks, 18 wheelers, pickup trucks or vans. Here, you'll find refrigerated trucks, log haulers, automobile haulers, tow trucks, wreckers, dump trucks, garbage trucks and waste haulers, and more. These all apply very specifically to certain types of vehicles, and in turn, certain types of businesses and services.

Of course, the list goes on from here. The most important thing you always have to do is find as specific a policy and coverage as possible. The good news is, there's an absolutely massive range of different coverage types and plans, so that's almost always fairly easily accomplished.

Article Source: http://EzineArticles.com/8684274

With the emergence of the Internet and various online opportunities, finding a stable source of home based income just got a lot less complicated. In fact, more and more professionals these days prefer to practice their honed skills at home. Instead of keeping a 9-to-5 job to pay the bills and other household commodities, you can stay at home with your family and earn just as much, or even more. 

One of the most sought after stay at home jobs at present is medical transcription. People with excellent typing skills and a respectable medical knowledge can truly benefit from this kind of stay at home job. However, landing this type of job may not be as easy as you would think, especially since most companies hiring medical transcriptionists will require experience, some will even ask for some sort of certification before they will consider hiring you. A lot of people who want to get into this industry often wonder how they can start a career in medical transcription. For most individuals, the most appealing aspect of being a medical transcriptionist is the prospect of working at home. But before we delve into the idea of you finding a sustainable stay at home medical transcription work, you need to know what the job really entails and what you can expect from it. A medical transcriptionist's job basically centers on transcribing various reports, notes and summaries dictated by medical practitioners through tape recording or digital voice file. Just like a court stenographer, a medical transcriptionist needs to be quick, accurate and skilled in typing. Only, medical transcription does not require the use of stenography or shorthand writing since the data you will typically be encoding involves medical histories, physical reports, clinic and office notes, consultation summaries, operation and laboratory reports, and even psychiatric evaluations. Basically, any medical report that needs encoding falls into your job description. With the appropriate set of skills and knowhow, you can make a decent career out of being a medical transcriptionist. As a matter of fact, the medical transcription industry actually pays well, especially with the demand for such personnel constantly growing. As a professional medical transcriptionist, you have three basic options as to how you want to work. An in-house transcriptionist who practices in hospitals, clinics and other establishments that provide healthcare. A self-employed medical transcriptionist who offers his or her services independently. A work at home medical transcriptionist who takes on jobs on a contractual basis. You can offer your services to various companies; whether locally, regionally, or nationally based. Any of these job options can be quite lucrative, especially for someone who has exceptional typing skills. Nowadays, a considerable number of medical transcriptionists are able to work at home and still earn a substantial amount of income that is enough to support the needs of their families. If in the past a transcriber would still have to leave his home to deliver his finished work to the office, with the availability of electronic mail, everything can now be done at home.

Article Source: http://EzineArticles.com/7200644 

That is almost four out of ten Americans buying travel insurance in 2010

Did they benefit from the insurance they bought?
• 17% of those people were able to claim their insurance
• Almost 40% of those claimers used the insurance for trip cancellations
• 37% of claimers used the insurance for their delayed or interrupted trips
• On the other hand, 11.6% have used it for their medical expenses during their trips
• While 9% used their insurance for their lost and delayed baggage
• Lastly, 0.02% used the claims for death
• So what happened to the rest that did not claim their insurance?
• Some did not experience any medical problem with their trip
• Some were not able to claim because their claim was invalidated.
• Some were not able to claim because the country they visited was not covered or part of the insurance plan.
• Some were not able to claim because the sickness they got was not covered.
• Some were not able to claim because the insurance company does not cover their preexisting medical condition such as diabetes and high blood pressure.
• Some did not understand the insurance policy that came with their insurance.
• And some did not need it at all How can you prevent those from happening to you?
• First of all, do a background check on the insurance company that you will choose. Take a quick glance on its page on BBB's (Better Business Bureau) website to see if it has a good record of not upsetting its clients.
• Do not just get a travel insurance that will cover checkups. It is a good choice as a precaution, but it will not save your money in any way. If they found out that you were sick, your insurance will not be capable of paying for you.
• Make sure that you get a health travel insurance that has high medical expense coverage. A medical insurance that can cover more than $200,000 of medical bills should be enough.
• If you are not going to visit a country that is considered a medical spot, consider getting an insurance that can cover your evacuation back to the US for medical care.
• Always know all the things that the insurance will not be able to cover. If you are going for an adventure trip, choose an insurance that can cover extreme activities such as bungee jumping, hand gliding, and mountain hiking.
• Do not limit your insurance to cover your health alone. Many things could happen to your flight, and you do not want to be uncovered when any of that happens.

Of course, get a quote first on how much the insurance company will charge you for the packages that you choose. Compare it to the price of your previous insurance. If you are a student, you might want to check special offers for students who travel abroad, which might land you a good discounted package. Visit our website for more information on Visit our website for more information on..... 

Article Source: http://ezinearticles.com/

The building profession is a diverse field. Construction workers are employed in a variety of commercial and residential settings and use an array of different tools and materials. As a result, each site presents unique risks for personal injury or property damage. Construction insurance is necessary to protect contractors, subcontractors, and property owners from litigation resulting from an injury or property damage connected with the building process.

However, purchasing construction insurance is not just a wise business investment. Policies may be required when providing services to the federal, state, or local government. Many private entities will require coverage as well. Your employees, clients, and the public all benefit from comprehensive coverage in the event that something does not go as planned. Potential clients also look for these protections as a sign of professionalism when hiring a contractor.

Construction insurance works by protecting the contractor and any injured parties in the event of property damage or injury at the job site. This type of policy is referred to as commercial general liability insurance. Parties protected generally include the party agreeing to the services and members of the public directly affected by the work.

The insurance company will pay for any accidental injuries or property damage so that the business owner does not have to pay from his own pocket. Legal counsel will also be provided in the event your business is sued as a result of an accident. Negligent behavior and deliberate omissions or errors are not covered by these policies. Typically, the policies are effective during the time the contracted work is ongoing. However, issues may arise long after the completion of the building. These problems can often be addressed when creating the agreement by adjusting some of the language.


A builder's risk policy indemnifies against damage to the building while under construction. It protects against damage to fixtures, materials, and equipment used in the building or renovation process that may be caused by fire, wind, theft, or vandalism. Cars and trucks used in connection with the work and driven by employees may need coverage as well. Design professionals like architects, or others engaged in designing any aspect of the project should have professional liability coverage.


Workers compensation is another type of coverage that may be required in your state. These policies protect workers injured or who become ill on the job site by paying medical bills and disability claims. Finally, a bid bond may be required under some circumstances. This is a proof of guarantee to the project owner that a contractor can perform the work required and is a promise that the owner will be compensated.

Consult with an agency experienced in serving contractors, subcontractors, and property owners if your project requires construction insurance. An experienced agent can help identify risks and potential losses in order to determine what plans will cover your needs.


Article Source: http://EzineArticles.com/8695872

Getting ready, going to the office, coming home to the family is what we all do every day. Such is the impact of work on everyday life that we rarely think of a single day without work. However there can be occasions when you are unable to work for three or perhaps six months. In such a situation, your normal sick pay will run out. What can you do for income? If you had been smart enough to get income protection insurance you wouldn't have to worry about anything.

What Is Income Protection Insurance And Why Do You Need It?

Income protection insurance protects you when you are unable to work due to sickness or injury. The policy will pay out till you can get back to work, retirement or end of lifespan. Thus, it provides financial protection for you and your family during troubled times. Though employers offer support to their staff if they are sick, it lasts for only a year. After that they have to find some other means of financial support and this is where having Income Protection Insurance proves to be beneficial. In today's fast-paced world with so many risks, is advisable for any person in a working age to have it.

Benefits

It protects you during unemployed days with a payout that helps maintain your lifestyle. The amount obtained from it is 50% to 70% of the normal income. It can be used to pay for mortgage, household and other essential expenses, so that loss of income does not affect life. It gives security for you and your loved ones under difficult circumstances. The payout received is not subject to taxation. Getting coverage will not take time because no medical tests have to be undertaken. You have to answer some questions asked by the company and sign up the policy.

The payout starts after a period of time, which is agreed upon by you and the insurance company. It can be anything between one to twelve months. If you choose a longer deferral period, the premium rate will be low. Making a claim is easy because all you have to do is call the insurance company to find out what documents to provide for the claim to be processed. Submit them and the payment starts after the deferral period is over. This insurance can also be taken by people who run a business. If sickness or injury prevents them from running it money it helps to cover expenses.

Different Types Of Income Protection Insurance

Income protection insurance is available in many forms. There is a long-term policy which pays out till work, retirement or end of lifespan. This is the regular type and what many people opt. You can also consider a short term policy in which the payout is for a period of one to five years. If you are looking for something cheap, check out the ASU or Accident, Sickness and Unemployment coverage. In this policy money is paid only under specific conditions.

Article Source: http://EzineArticles.com/8568596