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An affordable temporary health insurance plan is a perfect solution for a person especially when he/she is in need of a short-term medical insurance policy. As the name implies, these policies are affordable and temporary. Small cost, fast purchase process and high coverage amounts are the merits of this health insurance facility. While some plans now offer coverage for up to 36 months, most temporary health insurance plans offer services for periods as short as 1 month or up to 12 months.

It assures short term medical coverage needed to pay for unforeseen illnesses and injuries. Albeit with sub-limits and special conditions, most affordable health policy services include surgery, hospital care, emergency services, diagnostic tests, prescription drugs, follow-up office visits, and even limited mental health. Since affordable, this plan coverage does not finance preventative care such as physical exams, immunizations, and PAP tests.

An affordable temporary health insurance can meet the requirements of people between jobs, part-time or temporary workers, those who can’t afford COBRA (Consolidated Omnibus Budget Reconciliation Act), dependent child coverage only, new employees in their waiting period, and college students or new graduates.

Challenge in the insurance business field has now driven the cost of temporary health insurance down to much below the cost of a monthly car payment. Most insurance companies and agents provide a 30-day guarantee period of satisfaction. In case clients are not satisfied with this policy, they will refund 100% of the premium within this time frame. The fact is that to get the money back during this period, one should not have charged any claims.

The American Health Shield, the Celtic Insurance Company, the Security Life Insurance Company, and the Assurant Student Health Insurance are some among the accepted insurance industries and agents, who offer affordable temporary health insurance.

Here’s some “Inside-Info” you must know so you won’t be taken advantage of on your motor vehicle accident insurance claim and also: SO YOU CAN COLLECT EVERY DOLLAR THAT’S OWED TO YOU !

The following 8 are just “The Tip Of The Iceberg”:

#1. There are situations where you can collect for your “Lost Wages” even if you were paid by your employer and/or collected “Sick Leave” while unable to work.

#2. You can collect money and be reimbursed for any and all “Over The Counter” (non-prescription) medication you purchased during your recovery.

#3. Under normal circumstances unless a claim ends up in court (several years after impact has taken place and you are fully recovered) you do not have to agree to be examined by the insurance company’s doctor.

#4. There are many times that come to pass where you are entitled to collect the “Gross Amount” of your lost wages, not the so-called “Net After Taxes”.

#5. If you’re a housewife, you can often recover for “Lost Wages” (based on the “Value” of a maid or a domestic servant, who would execute the same work) which you could not perform due to the injury.

#6. You are entitled to extra compensation if you can prove you were forced to cancel a vacation and/or a special event.

#7. Under certain circumstances you may be able to make a claim (and collect for) a personal injury even if your state is “No-Fault” and you already have PIP (Personal Injury Protection) coverage.

#8. Your friends, and even relatives, have the right to execute statements which you can send to adjusters (and/or anybody you feel should get one) going into detail as to what happened to your body and what they’ve observed you’ve had to deal with (via your “Pain and Suffering”) during your period of recovery.

These statements can often provide you with an even greater dollar value - - when it comes to the calculation and then the ultimate settlement of your personal injury claim!

DISCLAIMER: The above article “INSIDE-INFORMATION REGARDING YOUR MOTOR VEHICLE ACCIDENT CLAIM” is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga,nor ARTICLE CITY any guarantee of any kind whatsoever, NOR to they purport to engage in rendering any professional or legal service, substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired IT IS THE INDIVIDUAL’S RESPONSIBILITY to obtain it.

Dan Baldyga’s third and latest book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the internet at http://www.caraccidentclaims.com or http://www.autoaccidentclaims.com. This book reveals “How To” successfully handle your motor vehicle accident claim, so you won’t be taken advantage of. It also goes into detail regarding BASE (The Baldyga Auto Accident Settlement Evaluation Formula). THE BASE FORMULA explains how to determine the value of the “Pain and Suffering” you endured - - because of your personal injury !

Copyright (c) 2004 By Daniel G. Baldyga. All Rights Reserved

Dan Baldyga - Author

dbpaw@comcast.net
AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM

(How To Evaluate And Settle Your Loss)

http://www.autoaccidentclaims.com

About The Author

For 30 years Dan Baldyga was a Claims Adjuster, Supervisor, Manager and also a Trial Assistant. He is now retired and spends his time attempting to assist thsoe involved in motor vehicle accident claims so they will not be taken advantage of: dbpaw@comcast.net.

As your child leaves for college, many thoughts may run through your head. One of the last thoughts is probably about your auto insurance, but it is a necessary thought. Many colleges do not allow freshmen to have cars on campus, yet over two thirds of the rest of the students have cars. So what are some of your options regarding your auto insurance coverage on your child’s car?

The first option, which may make you a little less popular with your child, is to leave the car at home. Discuss this option with your broker or agent, as you could be eligible for a discounted rate if the title of the car is in your child’s name, no one will be driving it, and your child will be more than 100 miles away from home.

Now, there are some reasons to allow your child to bring the car to school, including a job, living off campus, and even just the pouting face of your college student. If you should allow your child to take his or her car to college, then you should first notify your auto insurance company that the car will be housed in another location. Be prepared, though, for a change in your premium, as it can increase or decrease depending on your auto insurance company.

Need more college insurance information? Car insurance for college students can be a difficult subject but Insurance-Compare-Save.com makes it easy to understand. You can also save money by getting free college insurance quotes fast!