Truth is Better than Fiction

In this case, the truth is the library has started an insurance fiction collection. The University of Connecticut School of Law is already ahead of us in this respect, but we're starting to play catch up. Our Director, Jean Lucey, has wanted to start a fiction section since Sue Grafton's mystery series starring Kinsey Milhone, former investigator for California Fidelity Insurance, came out. Last Christmas she got her wish when all of the "alphabet series" was added to the collection (U is for Undertow had just been published).

This year, a few more books were added to the collection including, The Pale Green Horse, Horse Sense, Bet Your Life and Bringing Back Eight: A Novel about Medical Malpractice on Trial. We've also added our first dvd to the collection, Memento. We encourage you to come in and read or check out some of our newest additions.

If you have suggestions for the fiction section, we welcome your feedback (either via a comment on this blog post or email). We also welcome donations either to our fiction section or to our general collection. If you're looking for ideas on books that we're especially interested in, please peruse our amazon wish list.

The Whole Pie

The Massachusetts Attorney General publishes a Report on Professional Solicitations for Charities annually. This year's report has caused a stir (at least in the Boston Globe) since it reports that charities received only 43% of the money that was raised; the rest went to the professional fundraisers.

Last year New York's Attorney General brought a case against four professional fundraising telemarketers who employed deceptive and unfair tactics. These deceptive tactics included in some cases lying about how much of the money the charity would receive. It turned out, on average, these professional fundraisers were keeping 76% of the money they raised.

All is not lost though, there are various ways that one can determine the amount a charity will receive. Sometimes this information is right on the charity's website. You can also ask for the information from the telemarketer in writing. Finally, checking to see if the fundraiser is a member of the Association of Fundraising Professionals can help. This association has a code of ethics to which they ascribe.

Another way to determine generally how much of the money you give to a charity goes toward furthering their mission is to check a website like Charity Navigator. It will give you and idea of the charity's organizational efficiency, organizational capacity as well as an income statement usually including how much the ceo is paid.

We thought that this might be a timely post considering the recent series of Boston Globe articles on the topic. We want to assure you that our library does not use professional fundraisers. As we mentioned in a past post, we are a non-profit and there are a number of ways that you can donate to the library before the end of the year. The most direct way is probably through our annual fund, which you can donate to by clicking here.

Burning Interest in Punitive Damages

In Massachusetts yesterday a jury awarded 71 million dollars when they found a tobacco company liable for the death of Marie Evans. The full story can be found in the Boston Globe, among other places. It turns out that the tobacco company in question, "Lorillard had never lost a case brought by an individual before yesterday" While the tobacco company is appealing the case, there is speculation that more cases may follow as a result of this one.

Apparently "the verdict sets up a second phase of deliberations in which the jury could also award Evans’s estate and family punitive damages, which often are a multiple of the amounts awarded in the compensatory phase." Insurance coverage for punitive damages is actually an interesting topic. By interesting, I mean it is a topic that is worthy of many articles full of discussion as well as a few books. Clearly we don't have the space to explore all of the ramifications here in a little blog post, but a section from The Thomson West Publication: Punitive Damages Law and Practice by John J. Kircher and Christine M. Wiseman sheds some light on how convoluted a topic it is.

The question of insurance coverage for punitive damages continues to plague the courts, insurers, and insureds. The trend appears to favor finding coverage, but the decisions have not persuasively decided the issue. In fact, they have more recently enhanced the controversy by positing additional arguments both in support of and in opposition to coverage. (pp 7-38-7-39)

They go on to discuss the reasoning behind punitive damages and explore whether insurance coverage hinders those motives:

In most jurisdictions, punitive damages are intended to be awarded not to compensate the injured, but to punish the wrongdoer and to deter the wrongdoer and others from similar egregious conduct. Once it is determined that punitive damages are covered by the policy terms, courts then face the issue whether coverage would frustrate the public policy involved in the punishment and deterrence considerations of the punitive damages. (pp 7-42-7-43)

If you're interested in more information on punitive damages or products liability, please feel free to email the library with your specific question or stop by and check out our collection.

Vertically Challenged

We noticed in the stats section of our blog, that some people had happened upon our blog using the search terms "vertical liability." Turns out we're third from the top on the Google search for that term because of our brief post on products liability where we mentioned that we had vertical files with subject information.

Unfortunately, I am not sure exactly what the searchers were looking for. The term vertical liability is not, as far as I know, standard language in insurance. One possibility for what might be of interest is supply-chain liability. In other words, what is the liability for the person up or down the chain if there's been a loss at some point in the chain. While I am sure we could provide more information on the topic, if pressed, it seems like the best plan is to try and avoid losses like this in the first place. As it says on the Risk and Insurance Management Society website: "supply chain management can stop supplier issues from becoming your own." To this end, Risk Management Magazine published an article in their April edition titled: How Spend Analysis Can Reduce Supply Chain Risk: Domino effect They also had a great article in August of 2008 entitled: Understanding Supply Chain Risk which included helpful flow charts.

Another possible topic of interest might have been vertical exhaustion of limits which has to do with the interaction of primary policies and excess or umbrella insurance policies. Vertical exhaustion of limits is described in a July 2002 article in Defense Counsel Journal as such: "vertical exhaustion allows an insured to seek coverage from an excess insurer as long as the insurance policies immediately beneath that excess policy, as identified in the excess policy's declaration page, have been exhausted, regardless of whether other primary insurance may apply." It turns out that vertical exhaustion of limits is actually somewhat controversial. Most case law appears to support horizontal exhaustion of limits, which requires exhausting the limits of ALL primary insurance which might apply before an insured can turn to his excess policies. The Defense Counsel Journal article described above and entitled Excess-Primary Insurer Obligations and the Rights of The Insured by Thomas M. Hamilton and Troy A. Stark addresses this issue quite well. For more up to date information on the topic, you might try getting your hands on a Donald Malecki article from the December 2008 edition of Malecki on Insurance entitled Horizontal Versus Vertical Exhaustion of Limits (found in a subscribers forum issue). He provides case law from 2007 and 2008 on the topic as well as his expert opinion.

While we'll continue to look at the stats for possible areas of interest, we also welcome suggestions for future blog posts. You can email the library or post a comment!

More Holiday Fire Talk

We were sort of a killjoy when it came to Thanksgiving. We're back to talk about Chanukah which starts this week (sundown on the 1st if I read my calendar right). You're probably thinking we'll harp on how dangerous frying food is, or how having 9 candles burning near wrapping paper is a definite no-no. You'd be wrong though. What we have to talk about today is only tangentially related to Chanukah.

Recently I was looking at the definition of fire in an insurance glossary (Rupp's Insurance and Risk Management Glossary, 2nd edition for those of you who don't follow the link). I thought it was very interesting that the glossary differentiated between friendly fire and hostile fire especially since I had really only heard the term friendly fire in regard to war.

In insurance terms, Chanukah candles would epitomize friendly fire. They are set intentionally for beneficial purposes and (it is hoped) remain within their intended confines. Insurance does not cover friendly fire unless it spreads to unintended materials (in other words, becomes hostile).

If you are yearning for more information on fire definitions, you'd probably like to know that most fires caused by modern Chanukah celebrations would be considered "class a fires," fires involving solid combustibles and best put out using water or class a fire extinguishers. Had the oil lamp at the original Chanukah spread beyond the proper confines, it would have been a "class b fire," a type of fire involving flammable liquids (oil) and requiring carbon dioxide or a class b fire extinguisher to put out.

My foray into the insurance glossary section of our collection led me to an 1886 book called Harris's Technical Fire Insurance Dictionary. As you may know, our library began in 1887 as a fire insurance library (we didn't add casualty insurance to our collection until 1920 and it wasn't until the 1970s that we broadened our collection to include life and health insurance). This means, that the book was part of our very early collection housed in this room:

(taken from the 1923 edition of The Insurance Index)

And carefully watched over by a librarian following these rules:

A larger version of this can be found by following this link.

Harris's Technical Fire Insurance Dictionary has many interesting entries. The preface states:

This book, comprising in a condensed form many notes and observations made by the Author during a long and very busy experience as Surveyor, Inspector and Branch Secretary, has been written mainly with the view of drawing attention of Fire Insurance Officials and Agents to important points connected with matters of survey, and general practice and to the many dangers arising not only during processes of manufacture, but also from the crowded character of risks; from spontaneous combustion; and from other sources too numerous to mention.

Yes, all of that is one sentence, and also the first paragraph of the preface! I love that it includes this phrase: "comprising in a condensed form. . ." leaving me to wonder what a fully expanded form would look like.

My favorite entry in the book though, is the following:

FIRES, Refreshments at: Bills for expenses of this kind require very careful scrutiny, and in no case should they be paid when refreshments have been given away indiscriminately, or without proper authority. In no case where publicans throw open their houses should any payment be authorised by the Agent. See also FIRES, Assistance At.

If you are as charmed by this book as I am or there's someone on your holiday list who you think might be taken with it, feel free to contact us about the possibility of adopting the book as part of our "adopt a book" program. While the book is not in terrible shape, it could use some loving care to bring it back to its former glory.

Black Friday

While I am one of those "shop through the year for holiday gifts" people, I admit I also get up to face the throngs on Black Friday. I would hate to be six days into those 8 crazy nights or stuck on December 23rd (yes, I celebrate both holidays) praying to the postal gods that the shipment will make it in the (st.) nick of time time.

Because today is such a huge shopping day for so many people, I thought it would be an appropriate time to let you know how you could remember the library while doing your holiday shopping. We have three main options for gifts to the library.

The Annual Fund is where general monetary donations throughout the year go. The money is spent on up-keep of the library as well as focusing on one or two projects for the year. Companies and individuals who donate to the annual fund get their name published in our newsletter (we're a non-profit so your donation may also be eligible for a tax deduction -- we're not tax experts though). This spring, the library had a flood so a good portion of the Annual Fund money was spent helping us recover.

Another way of supporting the library and its collection is through the "Adopt A Book Program" which provides for preservation of our historical publications and documents. The money donated goes toward a specific item --you can read some background about the books and look at them online in their tattered state to pick which one you want to adopt. We make sure a personalized book plate is put in the front, so users know whose generosity ensured future use of the material. The book plate can be donated in honor of someone in case you want to buy it as a gift for someone else. Your recipient can come into the library any time they want and admire the book-binder's handiwork and their name emblazoned on the inside cover.

Finally, the library has an Amazon Wishlist. While you're completing your other shopping on amazon, you can click over and skim the list. If anything catches your fancy, you can simply add it to your cart with the rest of your purchase and Amazon should know to send it to us. You'll notice there are items on the list for general office upkeep. We're currently using the 2004 version of Quicken and would love to upgrade to the 2011 version. We also have a laptop computer on the list. Our instructors muddle along on our current one which hasn't been replaced in a number of years and no longer has a working CD-Rom drive. As you would expect, the rest of the list is filled out with books. Many of these books have been requested by patrons or are for very specialized areas of insurance interest but aren't in our budget. If you find something that falls within your particular area of interest, we'd love it if you'd donate it to our library so we could share it with many more people.

We appreciate the many ways in which individuals and companies show their support for the library and hope that this information makes that support easier.

If You Can't Stand the Heat. . .

Not to be a debbie downer, but according to the National Fire Protection Association, "Thanksgiving is the peak day for home cooking fires." They have been proclaiming this on their website since at least 2006 (prior to that it appears that they warned of cooking fires in general during the holidays). The U.S. Fire Administration has some interesting facts posted on their website regarding home cooking fires. These facts were gleaned from a co-sponsored study with the NFPA. Highlights of the list are:

• Males face a disproportionate risk of cooking fire injury relative to the amount of cooking they do.


• Unattended cooking is the single leading factor contributing to cooking fires.


• Many other cooking fires begin because combustibles are too close to cooking heat sources.


• More than half of the home cooking injuries occur when people try to fight the fire themselves.

Thanksgiving is still a week away so hopefully, you can follow some of these tips to prevent a home cooking fire and injuries. The NFPA has a handy printable sheet of tips for home cooking fire safety. And this helpful one page document on Thanksgiving Safety Procedures:

The Home Safety Council also has a convenient list of ways to prevent fires and fire injuries. Most of the fire safety tips are pretty common sense.

• Watch food at all times when you're cooking.


• Don't leave the house if you've got something in the oven or simmering.


• Don't cook when you're drowsy.


• Wear clothes that are close fitting so they don't accidentally ignite.


• Remove any combustible items from around the stove (eg: don't leave oven mitts near any burners).


• Keep your cooking area clean. Do not let grease build up on the range top, toaster oven or in the oven.


• Keep a lid handy to slide over a pan to smother a fire that might start.

If you know what kind of fire you're dealing with, you can try to stop it (bearing in mind that more injuries occur when people try to fight the fires).

Grease Fires:

• Should you have a grease fire on your stove top, smother the fire by sliding a lid over the pan and turn off the stove top. Leave the pan covered until the pan cools completely (opening the pan to check on it allows oxygen in which can re-ignite the fire).


• Never put water on a grease fire or use a multipurpose fire extinguisher on a pan fire, as it can spray or shoot burning grease around the kitchen, actually spreading the fire.


• Never attempt to carry a flaming pan across the kitchen.

Oven Fires:

• Turn off the heat and keep the oven door closed.


• Never open the door until the fire is completely out (allowing oxygen in can re-ignite the fire).

Microwave Fires:

• If you have a fire in your microwave, turn it off immediately and keep the door closed.


• If you can safely reach the outlet unplug the microwave oven.


• Never open the door until the fire is completely out (allowing oxygen in can re-ignite the fire).


• Have the microwave oven checked and/or serviced before being used again.

This is by no means an exhaustive list of cooking fire information. While we are not experts on fire safety, we have tried to compile some of the basic information here and provide you with sources (NFPA, The U.S. Fire Administration and the Home Safety Council) that can further your research into this topic. Remember, the most important advice regarding fighting kitchen fires is, When in doubt, just get out! Close the door behind you and call the fire department from outside.

We here at the library hope you have a happy and safe Thanksgiving holiday!

Annual Meeting Recap

This year's annual meeting was fairly eventful. We said a sad farewell to several of our trustees. Trusting that they'll remain stalwart library supporters.

Paula Gold Vice President and Chief Regulatory Counsel for Plymouth Rock Assurance, has been replaced by Charles (Chuck) C. Hewitt, III Executive Vice President of Guy Carpenter.

John Donohue CEO of Arbella has been replaced by Jim Hyatt, also of Arbella. In June, Jim Hyatt became the Vice President of their personal lines group.

Philip J. Edmundson, CEO and Chairman of William Gallagher Associates, who was brought on as an associate treasurer mid-term 1989 and then as a full board member as of the November 1989 meeting, also passed the torch. Patrick J. Veale, President of WGA, has taken Phil's place (he brought up some excellent points during the meeting and we're eager to see what other ideas he brings to the board).

Though his term was not up, Josiah D. Hatch, president of H. R. Hatch Insurance Agency, has stepped down. He was a special appointment to The Board in December of 1995. The Board voted to make him a Trustee Emeritus for all of his hard and exceedingly productive work over the past 15 years. A new Trustee will be appointed to fill Josiah's place.

Other changes to the board included the election of a new Board President, Donald F. Vose Vice President of The Andover Companies. He seems eager to become familiar with all of the committees and has already sat on an education committee meeting.

A good portion of the meeting was also devoted to discussing the many Massachusetts and New Hampshire insurance continuing education classes which the library provides and the future of those classes. This included highlighting our foray into webinars with "Coverage Review of the Business Auto Policy" slated to start in January. See our website for current and upcoming class listings!

The Frank W. Humphrey Award

The Frank W. Humphrey Golden Anniversary Award was established by Maurice H. Saval (after whom our education arm is named) in honor of Frank W. Humphrey, his mentor. Mr. Humphrey was at the agency Boit Dalton & Church, later Frank B. Hall & Company and now Aon Risk Services of Massachusetts. The prize was first awarded to commemorate Mr. Humphrey’s 50th year in the insurance business and is intended to be a special tribute to his contribution to our industry by his guidance and assistance to young people entering the business.

The winner each year is chosen from among those students who have successfully completed the course in Property and Liability Insurance Principles taught by Joe Sciacca. The student with the highest grade on the national exam that year earns the award. The presentation each year takes place during the Library's Annual Meeting.

This year's winner was Michelle Mozzicato from Crum & Forster. Michelle Mozzicato has worked at Crum & Forster Insurance for the past 11 years. She began her career with C&F as an Executive Assistant, and held that title for nine years. She was promoted to an Operations Supervisor in 2008, and most recently promoted to Operations Manager in 2009.

Prior to Crum & Forster Michelle was an Executive Assistant at BankBoston for 14 years. Michelle is married with two teenage boys, and resides in Stoneham, MA.

The picture below of Joe congratulating Michelle was taken by her husband at this year's meeting. You can expect more information on the annual meeting in tomorrow's blog post!

Joseph Sciacca & Michelle Mozzicato

A Review of Library Reference and Research Services

We are poised and prepared to help with your reference and research questions in the field of insurance. Often we are asked what the difference is between a reference question and research. While we've answered this question in several member newsletters over the years, we thought it would be good to discuss it one more time.

“Reference” inquiries are those which are readily answered and do not require us to set aside time beyond 15 minutes or so. They are generally quickly addressed through reference books or our journals index and–if we’re lucky–are questions we’ve answered for someone else before and remember! Most consumer questions would fall into this category, but a number of member questions are considered reference as well.

“Research” inquiries, on the other hand, are not so straightforward --these may involve somewhat arcane or historical subjects. Research is differentiated from reference by the scope or nature of the inquiry, the time required to do the work, and the intricacy of the subject. These requests require a librarian’s commitment of time and call for us to apply our thinking skills to formulate a plan of attack.

Any request being used for business purposes (as opposed to a consumer or student inquiry) by a non-member automatically incurs the research charge. On the other hand, library members may ask a variety of reference questions without incurring any charges beyond the normal document delivery fees. When we tip into the research mode, though, we charge members $80/hour and non-members $110/hour. An added benefit to membership is that research requests from members are completed before any non-member research is undertaken and they can pay the research fee after the work is completed, while non-members must pay up front.

We hope that this clears up some of the confusion regarding reference vs. research! For more information on other member benefits, you can go here.

We'll Trade

We'd like to take this opportunity to share with you some teaser photos from The Insurance Professional of the Year Award Ceremony (all photographs courtesy of Emily Photography). In exchange for the pictures, we'd love to get 1,000 words (we'll settle for your two cents -- we are a non-profit after all).

As mentioned in our most recent newsletter, we're interested in people's memories and reactions to this year's event. Any suggestions for next year's event would also be welcome including recommendations for possible nominees (though we can't promise that they'll win). Please post your responses in the comments section below!

Michael J. Sabbagh, 2010 Insurance Professional of the Year Award Winner

Name Tags

Acceptance Speech

Presentation of the Portrait (provided each year by Commonwealth Auto Reinsurers)

Award Winners Past and Present

(from left to right)

Daniel J. Johnston, 2006 winner

William F. Hofmann, III, 2002 winner

David J. Lane, 2004 winner

Richard W. Brewer, 2009 winner

Michael J. Sabbagh, 2010 winner

John K. Golembeski, 2007 winner

Ralph "Buddy" Iannaco, 2005 winner

John B. Connors, 2003 winner

Not pictured: Ronald Mariano, 2008 winner

Annual Meeting

Following close on the heels of the Insurance Professional of the Year Award Ceremony every year is the Annual Meeting of the Association. This year the Annual Meeting has been scheduled for Tuesday, November 16, 2010. All members of the Insurance Library are encouraged to attend (as an incentive there is a light breakfast served at 8:00am) and hear about current initiatives at the library, take a look at the library budget, and hear about new library business.

If you are a member and are unable to attend, please feel free to fill out the proxy form found here.

We hope to see you in a couple of weeks!

Products Liability Vertical File

Look two posts in one week! Remember when I said we might pop in with something brief but of interest? Here we are. The library has a number of "subject files" in our collection. These are hard copy files where we put news clippings, brochures, pamphlets etc. on various subjects related to insurance.

Today, The New York Times had an article that will likely end up in our products liability file. They also had this lovely graphic showing big settlements in drug cases:

Source: New York Times 10-27-10

New Year's Resolution

When you're in school you follow the academic calendar, with the year starting in September. When you're in business your year starts with the new fiscal year. Here at the library, it's not official, but I feel like the year starts again after The Insurance Professional of the Year Award Ceremony is over (I might be the only one here who feels that way).

We just completed another busy start to our fall season and had a very successful (we think) event on Friday. So I feel it is time to make some new resolutions about our coming year. I vow that the library blog will no longer sit sadly neglected. We will attempt to post at least once a week, if not more.

While I cannot promise that each post will be long and descriptive, we would like to see this space be a place where we discuss current happenings at the library and in the insurance field as a whole. It might be that we just pop in and mention a great article in the New York Times that describes Insurance Exchanges (with a helpful image for clients); that we announce that the library has started an insurance fiction section (we have the entire set of Sue Grafton's Kinsey Millhone Mysteries); or we might ask you to respond with suggestions/comments on events and offerings from the library.

Online Auto Insurance Quotes

Are you searching for better auto insurance rates? Are you tired of feeling as though you're overpaying despite your spotless driving record? If so, it's about time you started shopping around for the best auto insurance rates from a new auto insurance company. Thanks to the web, motorists are no longer limited to dealing exclusively with local agents and hoping for the best deal. Instead, the internet has opened a new door for those who are looking to compare auto insurance rates and get the best value for their money.

When shopping for auto insurance online, the process of choosing a company is a bit more involved than simply asking your neighbor which local agent they work with. When shopping for auto isurance online, you may be required to do a bit more footwork while researching the auto insurance company, but in the end, it can pay off in a very big way. The best way to find a respectable auto insurance company is to research their history, learn about their policies and how long they have been in business, check their reputation with the Better Business Bureau and request a free auto insurance quote.

What is the most common way that an auto insurance company could compete for your business? By offering the lowest auto insurance rates, correct? If you said yes, then getting auto insurance online may be the way to go. Because there's so much more competition online, companies must work harder to get your business. In most cases, you can complete a request for a free auto insurance quote online in a matter of minutes. Depending on the specific auto insurance company, the number of requests, the day of the week, and other factors, it may take many hours or even several days to receive a response. The best part, however, is that you can shop from a nation of auto insurance companies with the click of a button and never even have to step out your front door.

Free auto insurance quotes online are very valuable for any number of reasons, including the obvious fact that they cost you absolutely nothing. Not to mention, the option is very convenient for someone who lives in a rural location and perhaps isn't close enough to visit several auto insurance companies or doesn't have the access to a great number of companies because of the fact that they reside in a small town. Where there's less competition, the prices are higher. But the internet has certainly changed the face of competition by bringing a multitude of options to those who either enjoy the convenience that the internet can offer or those who need the competitive pricing that simply can't be found in their area. Whether you are shopping for Pennsylvania auto insurance, New York auto insurance, Florida auto insurance, Arizona auto insurance, California auto insurance or anywhere in between, you can search for discount auto insurance rates from the comfort of your favorite recliner.

The information in this article is provided for reference purposes only. It should not be used as, in place of or in conjunction with professional financial or insurance advice relating to auto insurance quotes, discount auto insurance or auto insurance rates. For additional information or to receive an auto insurance quote, contact a local auto insurance company.

From http://www.articlesbase.com/finance-articles/online-auto-insurance-quotes-223319.html

On line Auto Insurance Quote For Full Coverage

When comparing on line auto insurance quotes, it's smart to compare policies to see what each company's'full coverage' offer includes. When auto insurance agencies
mention'full coverage' this means you'll receive full coverage within that particular company's guiding principles and policies.

If you get a auto insurance quote online and only study the premium rate and the statements made by the company, you might be in for a huge surprise when you need to make a claim. Never blindly enter into a policy agreement merely because it is called'full coverage.' A full coverage policy does not mean the company will cover any and each thing that could doubtless happen to you or your vehicle.

Every auto insurance policy has constraints and exclusions. Limitations are typically based on your car maintenance habits. If you neglect your vehicle or fail to meet certain requirements for mechanical upkeep ( like oil changes or brake upkeep ), then the company won't cover specific sorts of damage. When reading a full coverage policy and when comparing vehicle insurance quotes online, don't only read what's covered but also read over the corporation's restrictions and exclusions carefully.

Full Coverage Policies Explained
A full coverage policy will usually include the following : guilt ( coverage amount is dependent on the legal requirements in your state ), collision, complete coverage, towing, rental compensation, roadside help, coverage for uninsured and underinsured motorist, and coverage for medical payments. The policy may also include property damage and bodily injury coverage. Though all of these might be covered by two different insurance agencies, this does not imply the policies are identical. Each vehicle insurance company is different, and these sorts of coverage are offered within a company's own policy constraints and requirements.

When obtaining auto insurance quotes online for full coverage, you must take account of your driving record, the age and cost of your vehicle, your age and gender, discounts , where you live, and potentially even your credit record. Look for quotes on policies that offer all of the coverage you need within your budget. When comparing responsibility, buy more coverage than you feel you will need if possible.

Examine Policies
Before signing on the dotted line, inspect the full coverage policy scrupulously and be certain you understand all of the coverage provided as well as the agency's restrictions. Ask for a precise quote based on your private and vehicle information, and also determine a payment schedule that will work for you. There shouldn't be any unpleasant surprises!
 

Some online companies might supply a downloadable list of coverage types you can receive and a policy outline. Print these and keep them for your records in case there are discrepancies in your tangible policy. You will find that online auto insurance quotes for full coverage are the most costly, but full coverage also gives you the most protection for your money. Compare quotes and policies online today to save hundreds a year for this exhaustive coverage!

From http://www.articlesbase.com/insurance-articles/on-line-auto-insurance-quote-for-full-coverage-1108249.html

Stop running around; insurance is just a click away

In various aspects of one’s life, insurance is more of a legal necessity rather than an option. And in today’s day and age, very few have the time and patience to go through various options available in the market. Even if one is aware of these options, there might be a shortage of time to get involved in loads of paperwork required to get oneself a good deal. Enter Campbell Solberg Associates (CSA).

This independent insurance agency has been in business since 1940s. Being in this business, one can easily term it as a seasoned veteran of the insurance business. Insurance options for individuals and business houses are available at Campbell Solberg Associates. And the variety of insurance options available at Campbell Solberg Associates is amazing. Right from more traditional insurance options like home insurance and jewelry insurance to new options catering to latest demands like flood insurance coverage, umbrella insurance policies and car theft insurance.

At Campbell Solberg Associates one does not need to go through the offers of various insurance companies. Campbell Solberg Associates does all the running around for its customers and gets them quotes and offers which specifically cater to their needs and requirements. For example, if one is interested in disability insurance, one just needs to fill a fairly simple online form at campbellsolberg. All the options pertaining to disability insurance offers within your state will be in front of you in no time. Needless to say, Campbell Solberg will be with you in every step of the way to assist you choosing the right option for you. This saves you a lot of time and still helps you get the best from the insurance market.

Campbell Solberg Associates is well aware that while choosing an independent insurance agency, one does look for a compassionate partner who can be trusted and deals with absolute transparency. The whole process at Campbell Solberg is based on the same sentiment where finding best solutions for problems faced by customers and clients is paramount importance.

To facilitate better understanding of insurance processes, Campbell Solberg website contains loads of information on car theft insurance, various umbrella insurance policies and new insurance options such as flood insurance coverage.

All thanks to Campbellsolberg, now opting for the best insurance in any sphere is just a click away. One can be assured to find the best insurance solutions without running around town.

For more information independent insurance agency, flood insurance coverage and car theft insurance just Contact Us

Ways To Find Car Insurance For A New Driver

Car insurance firms conclude the total amount you will pay for your premiums as a result of trying to determine the level of a risk you will be. By way of example, men beneath the age of twenty five would usually pay much more for their coverage than ladies of any age or men over the ages of 25. The main reason for this is because data reveal that males in that age band are involved in more accidents and accidents cost insurance providers money. Sorry to say, there's not a good deal you can do to change your age or gender however there are more solutions to obtain reduced policies.

If you possibly can make yourself appear as less of a risk you will be entitled for discounts. There are lots of rate reductions available for any number of different things. Students that maintain a top notch grade point average, anybody that can keep a spotless driving record, driving a car with a number of safety features, carrying out an advanced driving course, whichever one of those things that make you entitled for a discount in your insurance plan. You may find a way to find further reductions your insurance issuer provides by means of simply calling your insurer and posing particular questions. A couple of minutes spent by the telephone may uncover various discounts that you never would've thought of in case you had not taken the time to inquire.



How to get a cheaper policy rate is to simply do some comparison shopping. Folks perform comparison shopping everyday regardless of whether it's to save 50 pence at the supermarket or attempting to decide on a big label product that could save them a lot more money. People evaluate prices on just about everything they buy at the store although the majority do not take any time to shop around for the most effective policy rate on their vehicle insurance. The reason may just be simply because folks do not know where to begin. Really the only tool you need to uncover the best price is your computer and the Internet.

Now, it is possible to drive around your local area and try from one insurance company to another to obtain low cost car insurance. Regrettably, you have got to gather all the information from each, bring it home, and try to compare each one so you can actually find the very best policy. If you don't want to deal with all these issues then i suggest you look online for your cheap car insurance. You'll see that many of the internet sites today gives you a way to compare every one of the companies in a single place. As a result once you put in all your insurance policy information, around eighty companies will appear with estimates.

Nonetheless, before you jump in it is important to gather all the very best information that offers you a greater possible opportunity to obtain discount rates. Consider it like the way you perform tax returns. You locate everything that will add money right? Well in this instance you are looking in the places which can help you obtain inexpensive car insurance. On the list of ways to try and do this is by means of increasing the excess sum. If you are at present using a £250 excess, increase it to £500. This alone will be able to bring down your rates or monthly costs if you make payments. However, in the meantime we recommend setting to one side some capital only in case an ill-fated situation occurs.

Spend Wisely On Your Insurance – Check out Online Insurance Quotes

Internet is fast becoming an integral part of people’s lives. Almost everything today is available on the internet. People purchase almost everything they need to run their daily life from the internet. Since so many things that are available online for free prove to be useless, people have an impression that everything available free online is rubbish. But unlike other stuff, insurance quotes available online for free are not at all worthless. Online insurance quotes are some genuine stuff and should not be taken as worthless. Online insurance quotes can guide you to make some good investments which may help you in the later stage of your lives when you need money the most.

Campbell Solberg Associates, a leading American insurance company along with other insurance companies invite people to insure and secure their future with them. If you go to an insurance consultant he will charge you money for providing valuable forecast. But insurance companies provide free online insurance quotes which save you valuable money but at the same time help you to make some intelligent investments for a secure future.

Free online insurance quotes help you make a comparison between various insurance schemes and policies offered by different companies in a very short period of time and then choose the one which suits your needs the best. If you have to collect these quotes from different companies and make a comparative chart on your own in order to compare it, then it would have been a very complicated and time consuming thing to do.

This whole exercise has been made easy by Campbellsolberg who provide its customers an online comparison of various quotes. Apart from providing the online insurance quotes, Campbellsolberg also offers most competitive prices for any insurance policy you want. It makes your life a lot easier as you get home insurance quotes online and also have an access to other insurance quotes like auto insurance quotes and disability insurance quotes from the convenience of you home.

Spend your money wisely and make a choice that suits you and your family. For better information on online insurance quotes logon to: http://www.campbellsolberg.com

Did You Miss Us?

The blog went on a short sabbatical last month. Between holiday closings and staff vacations, the library was busy just keeping up with requests!

Speaking of requests, The Library gets a number of interesting requests each year. We highlight some of the requests in our newsletters each quarter and provide a number of them online in our Q & A section of the website. But did you know that the library was featured in Star Magazine December 29, 1987? That's right, On the Front cover is "Jeane Dixon Predicts for 1988" and Bruce Willis and Demi Moore were hot honeymooners (not to mention Michael and Bubbles, and Charles and Di) and inside is an article entitled Wild & Wacky Insurance Claims for which we provided the fodder.

This week an instructor was asked what type of policy insured Liberace's hands and Bette Grabel's legs. He replied that it was a surplus lines policy, probably a disability policy in particular. Slate.com discussed just that three years ago when Mariah Carrey also apparently insured her legs.

Perhaps, considering all that's gone on in Haiti in the past week or so, you think this blog post is full of fluff? Maybe you'd like answers to more pressing questions? Are you wondering about insured losses in Haiti? According to a National Underwriter article citing AXCO Insurance Information Services, Haiti is "one of the smallest markets in the Americas with a total non-life premium income of just under $20 million." To put that number in perspective, total non-life direct premiums earned in the state with the lowest dpe,Vermont, is 1,094,361,000 (according to the NAIC 2008 Market Share Report by State and Countrywide) or nearly 55% more.

Insurance Journal has an article that does bring some hope to the situation, at least as far as re-building efforts. Haiti is a member of The Caribbean Catastrophe Risk Insurance Facility (CCRIF) and it appears they will give about 8 million dollars to Haiti after a 14 day waiting period so they can hurry the process of rebuilding along. National Underwriter cites Eqecat as saying the property damage is in the hundreds of millions.

Every little bit does help, though and those in the insurance industry have not neglected Haiti. According to another article by the National Underwriter, many companies have sent donations to a number of relief organizations over the last week. The Insurance Industry Charitable Foundation, gives details on at least four of the donations. The CPCU Society has also set up a matching program for individual CPCUs and Chapters of up to $25,000 for the Clinton/Bush Haiti fund.

If you'd like to contribute to help Haiti, there are many organizations out there ranging from rebuilding projects, to health and human welfare organizations, far too many to list. The FBI issued some guidlines to make sure you donate to reputable organizations.

Let Peace Of Mind Prevail With Condo Insurance

Do you think you don’t need insurance just because you happen to live in a condo and not in a full-fledged home? It’s true that condo insurance is quite unlike home owner insurance and you are right in wondering about the advantages condo owner insurance is likely to give to condo owners. In fact, all differences between condo insurance and home owner insurance boils down to the fact whether you own the condo or have rented it. As far as advantages of condo insurance to condo owners are concerned, it depends entirely on the carriers and the condo insurance policy you choose.

There are quite a few options available for your condo when you finally decide to get yourself condo insurance. So have a good look at these options. These options include:

• Coverage of personal property
• Coverage of loss of your possessions
• Coverage of personal liabilities
• Coverage of medical bills

Any good insurance company that offers general insurance can also offer condo insurance to you. The only thing that will make any difference whilst taking condo insurance is, whether you own the condo or you have taken it on rent. If you own the condo, then the insurance will be condo owner insurance otherwise it will be condo rental insurance in case it is on rent.

Condo rental insurance is vital as you are not protected sufficiently under the landlord’s master policy. You need a separate policy for Content Coverage which includes all your valuables and personal possessions which, unfortunately, are not covered under master policy.

Condo rental insurance also covers external living expenses that cover your external living expenses at the time of damage or repair of the building where you reside.

It’s very important that you should get quotes from various companies before you settle down for one. Always bear in mind that rates of condo insurance vary greatly from company to company so always choose after comparing what other companies have to offer. You can get help from various sites available online to compare the existing rates before deciding on the one which suits you the best.

www.campbellsolberg.com is a great place to get the condo insurance that will give you complete protection at reasonable rates.