Actress in insurance commercial
Car Insurance Questions and Help
2016.11.14 21:06 JeremyBigsworth Car Insurance Questions and Help
Car Insurance Help: Shopping for car insurance or have some questions (including accidents or claims issues)? Ask other Redditors here. Read our guides for info to help your search for new car or other vehicle insurance.
2018.04.11 07:02 abbie-k90i Commercial Insurance
All Things Commercial Insurance! This subreddit is not to be used to advertise your business.
2016.12.02 18:45 JustinBilyj A subreddit by insurance agents for insurance agents and consumers
UPDATED(!): This subreddit is for Insurance Professionals (Agents/brokers, owners) to discuss our work and current events and goings on in the industry, in addition to asking and answering questions about the business amongst each other and sharing relevant content. Vendors and uplines (FMO, IMO) are welcome to share useful insurance industry content as long it's not promotional in nature and adds value (no landing pages).
2024.05.16 22:22 phoode Workers Comp Claim settlement question
Hi,
I injured my cervical spine over a year ago while working as a food stylist on a commercial set. I had Workers' Comp insurance and received treatment and payments for my work throughout last year. However, my doctor wouldn't lift all the restrictions on my work since it's very physically demanding and involves long hours. She claimed I have a 9% permanent disability.
Now, the insurance claim adjuster has offered me $20K to cash out my medical care. I'm considering it because it would allow me to start some new business ideas. However, I have never been injured before, and this offer doesn't seem fair considering the possibility of future surgery and the costs of medical diagnosis, treatment, therapy, and so on. When I asked the claim person how they calculated the cost, the answer was very vague and generic.
I would love to get some insight/advice on how to negotiate with them and what factors to consider. Lovely people of Reddit, please help me! I appreciate your help!
Thank you in advance!
Marta
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2024.05.16 21:43 TheStorytellerTX Don't care about your job because you're about to quit?
So back in the early aughts I worked at a local health insurance TPA (that's Third Party Administrator for everyone not familiar) here in Texas that was known for "Outrageous" customer service, and we really delivered. It was a great place to work until it was purchased by a large corporation, then it was just ok. Anyway, we had a wonderful lady that was in charge of company culture (we'll call her K), and even though she wasn't HR she was also very involved in the hiring process.
Somewhere in 2003-2005 the company did a large round of hiring, and we were picking up people from local commercial insurance companies. My wife worked at a medical office and would call those same insurance companies for benefits and / or claim status. One time in particular when she called an insurance (could have been Humana or Aetna I just don't remember) she got a representative (we'll call him Mr. Uncommon Name) that just didn't care. She tried to be civil and just do her job, but he basically told her he didn't care to help her because he'd just been hired by "Outrageous" TPA and really wasn't interested.
So, later that evening my wife told me about the incident. The next day I went to K's office.
Me: have you seen paperwork for a new hire by the name of Mr. Uncommon Name?
K: Yes!
Me: Is he coming over from (Humana, Aetna, some other insurance)?
K: Yes he is. Do you know him?
Me: No, but let me tell you about my wife's experience with him yesterday.
K: Say no more.
Needless to say, Mr. Uncommon's job offer was rescinded and he was back on the job market.
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2024.05.16 20:13 Freeman_Alex [WTS] ⚜️⚜️⚜️Freeman Shipyard Store vol.4⚜️⚜️⚜️ OC LTI Pulse/LX +Dominion Paint $25 ⚜️Prowler to Hull D CCU $45 ⚜️Hull D to Orion CCU $50 ⚜️CHEAP WARBOND CCU ⚜️QuickSALE ⚜️Open24/7 ⚜️Good Prices&Trade History ⚜️Original LTI Concepts ⚜️Subscribers Exclusive Items ⚜️Rare Paints ⚜️JUST WRITE ME
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| ARGO MOLE | < | CONSTELLATION AQUILA | $7 |
| ARGO MOLE | < | MERCURY STAR RUNNER | $59 |
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ARROW | | | | |
| ARROW | < | AURORA MR | $50 |
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| GLADIUS | < | AURORA MR | $65 |
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| HAMMERHEAD | < | CARRACK | $150 |
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POLARIS | | | | |
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2024.05.16 18:33 archaxuk Money market funds - what are they? And should we invest in them?
The
best money market funds in the UK are a type of mutual fund designed to offer investors high liquidity with a very low level of risk. They invest in short-term, high-quality debt securities issued by governments, banks, or corporations, commercial paper, certificates of deposit, and repurchase agreements.
Benefits of Investing in Money Market Funds · Liquidity: Money market funds allow investors to access their money quickly, usually without penalty. This makes them an excellent option for an emergency fund or any financial needs that may arise unexpectedly.
· Stability: The risk of losing your principal in a money market fund is very low compared to stocks or longer-term bond investments. The funds invest in high-quality, short-term instruments, which are generally considered safe.
· Yield: While not designed for high returns, money market funds usually offer higher yields than traditional savings accounts or interest-bearing checking accounts.
Considerations Before Investing · Interest Rate Sensitivity: The yields on
money market funds are influenced by the prevailing interest rates set by central banks, like the ECB. When interest rates are low, the returns on money market funds can be modest, often just slightly above inflation.
· Fees: It's important to consider the fees associated with money market funds. Even low fees can have a significant impact on net returns, especially in a low-interest-rate environment.
· Inflation Risk: The returns on money market funds may not always keep up with inflation, which can erode the purchasing power of your investment over time.
· Not FDIC Insured: Unlike bank savings accounts, money market funds are not insured by the Financial Services Compensation Scheme (FSCS) in the UK. However, they are regulated under the Companies Act 2006, which offers some level of investor protection.
Should You Invest in Money Market Funds? The decision to invest in money market funds depends on your financial goals, risk tolerance, and investment horizon. They are best suited for:
· Short-term financial goals: If you're saving for a goal that is less than a year away, such as a vacation or a minor home renovation, money market funds can be a suitable choice.
· Emergency funds: They are an excellent vehicle for your emergency fund due to their stability and liquidity.
· Cash management: Investors who wish to keep a portion of their portfolio in cash while deciding on other long-term investments may find the
best UK money market funds attractive due to their safety and relative yield.
These funds aim to maintain a stable net asset value (NAV) of £1 per share, making them a popular choice for investors seeking a safe place to park cash with the opportunity to earn a return that typically exceeds that of a regular savings account.
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2024.05.16 17:31 CrystalizedNug4 Roof consulting
I have been in the roofing industry for 10 years. I personally do a lot of specialty roofing systems. Tile, metal, composite, and commercial projects. Of the industry, I have done retail and a lot of insurance insurance work in Florida.
Because of my Instagram page and word-of-mouth. I was approached by another roofing company to have my crews help them with specialty labor.
They were extremely happy our services and knowledge. They have asked me to help them with a few inspections and insurance claims for tile roofs that they need help with.
Obviously, I am willing and excited to help educate where I can be of service. Though I want to make sure I am compensated for my time and knowledge with these claims/ projects.
I was seeing if anyone had any comment or had an experience consulting. I was interested in how you approached compensation. I do not want to overcharge or under sell myself. Any advice would be greatly appreciated!
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Roofing [link] [comments]
2024.05.16 15:21 pledgelove LLC & BUSINESS VEHICLE
Hey guys! I just hit my 10K ride and had an epiphany. I’m not sure why I haven’t thought about this before but wouldn’t a (2) person LLC (not sole proprietor) and business vehicle be the best option? How much is commercial car insurance typically? The plan is to get a Model Y in my businesses name and getting all those tax benefits you otherwise wouldn’t keeping the car in your personal name. Anyone have experience or feedback about this method? Thanks in advance.
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uberdrivers [link] [comments]
2024.05.16 15:20 runningaround__ Help
Alright so everyone knows how bad the job market is right now. I am a 2024 grad who was offered a position as a surety bond underwriter @ $70k base. Not the most attractive job, I know. However, my dream is to end up in commercial banking. From my understanding, through research and asking my professors, surety is less like insurance and more like credit. Would it be possible to leverage the skills I learn in surety after a year or two, to a credit position, to then branch off into commercial/corporate banking? Has anyone heard of a move like this being made? Any insight would be greatly appreciated. Thank you!
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runningaround__ to
FinancialCareers [link] [comments]
2024.05.16 14:32 Low_Blacksmith_3230 10 Most Famous Brands In Bhutan
| https://preview.redd.it/i9fyrff28s0d1.jpg?width=5184&format=pjpg&auto=webp&s=dfeb8f62dee3a7734a819deff649e437a86718cc Bhutan's commercial landscape may not be as extensive as other countries, but it boasts several well-known brands that have made their mark. Embark on a journey of discovery and tranquility with our bespoke Bhutan tour package. Immerse yourself in the mystical charm of the Land of the Thunder Dragon as you explore ancient monasteries, pristine landscapes, and vibrant cultural traditions. Here are 10 of the most famous brands in Bhutan: - Druk: Druk is synonymous with Bhutan. It's not only the name of the country in the native language, Dzongkha, but also represents various entities within Bhutan, including Druk Air, the national airline.
- Bhutan Telecom: Bhutan's largest telecommunication provider, offering mobile, internet, and fixed-line services across the country.
- Bank of Bhutan: The oldest and largest commercial bank in Bhutan, providing a wide range of banking and financial services to individuals and businesses.
- Tashi Group: A prominent conglomerate with interests in hospitality, construction, trading, and manufacturing, among other sectors.
- Druk Green Power Corporation: A state-owned company responsible for the development, operation, and maintenance of hydropower projects in Bhutan.
- Druk Lager: One of Bhutan's popular beer brands, produced by the Bhutan Brewery Pvt. Ltd.
- Bhutan National Bank: Another major commercial bank in Bhutan, offering banking and financial services to individuals and businesses nationwide.
- Druk Holding and Investments: A state-owned investment company that holds shares in key sectors of Bhutan's economy, including tourism, energy, and finance.
- Bhutan Lottery Limited: The authorized lottery operator in Bhutan, offering various lottery games to the public.
- Royal Insurance Corporation of Bhutan: The leading insurance provider in Bhutan, offering a wide range of insurance products including life, health, and general insurance.
These brands contribute significantly to Bhutan's economy and are well-known within the country. Embark on your next adventure effortlessly with our comprehensive range of Domestic and International air tickets. Whether you're planning a quick getaway or a cross-continental journey, we've got you covered. submitted by Low_Blacksmith_3230 to u/Low_Blacksmith_3230 [link] [comments] |
2024.05.16 13:18 FixIce Understanding The Importance Of Seasonal Maintenance For Your Summit Ice Maker Machine
As you may already be aware, summer is the warmest season with the longest days and the shortest nights. In the summer season, whether anyone needs anything or not, ice cream is what everyone needs. Because of this, ice makers are necessary equipment at a lot of establishments, including hotels, restaurants, and medical centers. Among the top choices for commercial ice machines is Summit, known for its reliability and efficiency. However, like any mechanical equipment, regular maintenance is crucial to ensure optimal performance and longevity. So, if you are looking for an amazing
Summit Ice Machine Service for your work, you can go through FIXICE. They are most brands' approved service and Summit Ice Machine repair providers. In this blog, we delve into the significance of seasonal maintenance for your Summit ice maker machine.
Ensuring Efficiency: Maintaining the effectiveness of your Summit ice maker machine is mostly dependent on seasonal maintenance. The machine's capacity to properly manufacture ice may be hampered over time by the accumulation of debris, scale building, and mineral deposits. You can avoid these problems and make sure your ice maker runs as efficiently as possible all year long by doing routine maintenance, which includes cleaning the condenser coils, checking the water filtering system, and descaling the unit.
Preventing Costly Repairs: Ignoring upkeep can eventually result in expensive repairs. An ignored ice maker is more likely to break down and malfunction, which can cause operational disruptions and high maintenance costs. By investing in seasonal maintenance, you may eventually save time and money by identifying and resolving minor issues before they become larger ones.
Maintaining Hygiene and Safety: In every food service operation, cleanliness and security are of utmost importance. Customers and staff may fall ill from an unmaintained ice machine, which may turn into a haven for mildew, germs, and other toxins. To guarantee that the ice your Summit machine produces is safe to eat, regular cleaning and sanitization are necessary. Regular maintenance also aids in the prevention of leaks and other safety risks that could cause mishaps or injury.
Increasing Your Investment's Lifespan: You want to ensure that your Summit ice maker machine lasts for many years because it is a major investment. To increase the longevity of your equipment, regular maintenance is essential. You may extend the life of your ice maker and increase your return on investment by keeping it clean and well-maintained, which will lessen wear and strain on its parts.
Ensuring Compliance with Manufacturer Recommendations: To ensure that your guarantee remains valid, Summit offers maintenance requirements for its ice maker devices. Kindly follow these recommendations. Any repairs or replacements will be your responsibility if you don't follow the manufacturer's maintenance guidelines, voiding your warranty. Following Summit’s advice when scheduling seasonal maintenance can help you keep your equipment insured and maintain compliance.
Conclusion: Finally, to ensure the best possible performance, lifespan, and safety of your Summit ice maker machine, periodic maintenance is essential. You can prolong the life of your investment, keep hygienic and safety requirements up to date, keep your equipment operating smoothly, and avoid expensive repairs by investing in periodic maintenance. For years to come, enjoy uninterrupted ice production by scheduling your seasonal maintenance now rather than waiting until a problem emerges. So explore the world of Summit Ice Maker Services through FIXICE. To know more about Summit Ice Maker Repair contact them right now.
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2024.05.16 12:24 akefaloskavalaris Do car repair shops in NL overcharge insurance companies?
TL; DR: Wondering if it makes more sense financially to change car insurance from full cover to basic, and pay for any future own fault damages myself.
So it's my first year living in NL and in late 2023 I was involved in a minor car accident. I reversed my Toyota Yaris 2019 and was hit by an incoming Suzuki Swift 2018. My fault, we both were driving with like under 15km/h, so nothing serious. I had full insurance for my own damage as well.
I was surprised by the cost of the repairs.
- €4.500 for the replacement of the front bumper, the glass of one light and some minor paintwork for the Suzuki. The commercial value of the Suzuki is around €11.000.
- €3.500 for the replacement of the rear bumper, the glass of one light and some minor paintwork for my Yaris. The commercial value of my Yaris is around €13.000.
All costs were covered by my full insurance.
Today I received my premium increase from €112/month to €260/month, so a 132% increase, because I am now with -5 years claims.
To my question:
Is it normal for car repair companies to charge that much for such damages in NL? Or was the amount so high because it went through my insurance company, so the car repair shops overcharge them?
If this is the case, what do you guys prefer to do? Pay for the cheapest insurance, and then pay for any own fault damages yourselves? If this is the case, is it actually cheaper if you go to a car repair shop privately, and not through your insurer?
Thanks for any input, it will help me (and hopefully others) determine if I will continue paying for the full insurance, or go for one of the cheaper packages without own fault cover.
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Netherlands [link] [comments]
2024.05.16 10:54 OkTelevision7624 How Does Insurance Work With Turo For Renters
Turo renters are covered by Turo's commercial insurance policy, which provides up to $1 million in liability coverage and collision coverage with a deductible. Renters can also opt for additional coverage, such as personal accident coverage and roadside assistance. In the event of an accident, renters are responsible for paying the deductible, and Turo will cover the remaining costs up to the policy limit.
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2024.05.16 09:00 HealthInsuranceGuide What is the role of an agency in insurance?
An insurance agency plays a critical role in the insurance industry by acting as an intermediary between insurance companies and policyholders. Here’s an in-depth look at the functions and responsibilities of an insurance agency:
1. Representation and Sales - Representation: Agencies represent multiple insurance carriers, offering a variety of insurance products such as health, life, auto, home, and commercial insurance.
- Sales: They sell insurance policies to individuals, families, and businesses, tailoring coverage to meet specific needs.
2. Consultation and Needs Assessment - Consultation: Agents consult with clients to understand their insurance needs, financial situations, and risk exposure.
- Needs Assessment: They conduct a comprehensive assessment to recommend appropriate insurance products that provide adequate coverage.
3. Policy Customization and Quotes - Customization: Agencies help customize insurance policies to match the unique requirements of each client, ensuring they get the best possible coverage.
- Quotes: They provide quotes from multiple insurers, allowing clients to compare options and choose the most suitable and cost-effective policy.
4. Application and Underwriting Assistance - Application Assistance: Agencies assist clients in completing insurance applications accurately and thoroughly.
- Underwriting Liaison: They act as a liaison between clients and the insurance company’s underwriters, facilitating the process and addressing any issues that arise.
5. Policy Issuance and Documentation - Policy Issuance: Once an application is approved, agencies help with the issuance of the insurance policy and ensure clients receive all necessary documentation.
- Record Keeping: They maintain detailed records of all policies issued and provide clients with copies of their insurance documents.
6. Customer Service and Claims Support - Customer Service: Agencies provide ongoing customer service, answering questions, making policy adjustments, and handling renewals.
- Claims Support: They assist clients in filing insurance claims, guiding them through the process, and advocating on their behalf to ensure timely and fair settlement.
7. Risk Management and Advice - Risk Management: Agencies offer risk management advice to help clients identify potential risks and implement strategies to mitigate them.
- Advice: They provide expert advice on coverage options, policy limits, and endorsements to ensure clients are adequately protected.
8. Education and Awareness - Education: Agencies educate clients about different types of insurance, policy terms, and coverage options, helping them make informed decisions.
- Awareness: They keep clients informed about changes in the insurance industry, new products, and regulatory updates.
9. Renewal and Review - Renewal: Agencies handle policy renewals, ensuring there is no lapse in coverage and that clients continue to have appropriate insurance.
- Review: They periodically review clients’ insurance needs and policies, making adjustments as necessary to keep coverage up-to-date with any changes in circumstances.
10. Regulatory Compliance - Compliance: Agencies ensure that all transactions comply with state and federal insurance regulations, maintaining ethical standards and professional conduct.
- Licensing: They ensure that agents and the agency itself are properly licensed and meet all regulatory requirements.
Types of Insurance Agencies - Independent Agencies: Represent multiple insurance companies and offer a wide range of policies. They provide clients with more choices and flexibility.
- Captive Agencies: Represent a single insurance company and sell only that company's products. They have in-depth knowledge of the insurer's offerings and policies.
- Brokerages: Similar to independent agencies but typically work on behalf of the client rather than the insurer, often specializing in more complex or high-value insurance needs.
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2024.05.16 08:59 Miserable-Reading543 Determination help...didn't add family members the first time. Do I do it now?
Hey guys, Im doing a redetermination application right now. First time I did it, it was done in kind of a haste, I wanted to see if I would be approved. I was working a job barely making over minimum wage and the premium for the public option plan I had was sapping my finances. I was approved, and I got it.
However, I need to reapply now. I am unemployed and need it more than ever. Problem is, I am realizing now that the first time I applied I did not put down any family members(I live with my family who all have their own commercial insurance). I don't remember how this happened but either way, Im not sure whether to put them in now or whether I should just put myself as being on there(as it might raise suspicions). Again, none of them would be receiving Medicaid.
What's the worst that could happen in either case?
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2024.05.16 08:03 TerribleSell2997 Commercial Telematics Market Increasing Demand, Growth Analysis and Future Outlook by 2031
The
~global commercial telematics market~ is anticipated to grow at a significant CAGR during the forecast period (2023-2029). Commercial Telematics Market research report allows making important decision making essential for business growth. It helps key participants further in applying right business ideas to grow business and choose the right business doing strategy. Having complete understanding of what purchasers are looking for in the market and which factors can influence their purchasing decision greatly helps to make investment in the right product development and launch it accordingly. It is also crucial for major participants to understand the behavior of target customers to bring novel products into the market. This Commercial Telematics Market report serves as a blueprint to get thorough study of market competition, target audience and entire market.
Get Free Sample link @ https://www.omrglobal.com/request-sample/commercial-telematics-market-size The global commercial telematics market is segmented based on solution, end-user, and distribution channels. Based on the solution, the market is sub-segmented into fleet tracking and monitoring, driver management, insurance telematics, safety & compliance, V2V and V2X systems, and others (fuel monitoring). Based on the end-user, the market is segmented into insurance, government and utilities, healthcare, media and entertainment, transportation & logistics, and others (manufacturing). By sales channel, the market is segmented into OEM and aftermarket.
full report of Commercial Telematics Market available @ https://www.omrglobal.com/industry-reports/commercial-telematics-market-size ·
Market Coverage · Market number available for – 2024-2031
· Base year- 2024
· Forecast period- 2024-2031
· Segment Covered- By Source, By Product Type, By Applications
· Competitive Landscape- Archer Daniels Midland Co., Ingredion Inc., Kerry Group Plc, Cargill
· Inc., and others
Global Commercial Telematics Market Report by Segment By Type • OEM
• Aftermarket
By Application • Solutions
• Services
By End-User • Transportation and Logistics
• Healthcare
• Media & Entertainment
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2024.05.16 07:48 Ok_Train_5724 Explore Mortgage Options in Greater Noida with Chhabra Properties! 🏡💰
| https://preview.redd.it/01pmui6t8q0d1.png?width=828&format=png&auto=webp&s=c135805fd8e9d783e660f5927a70910fd9003828 Are you looking to buy your dream home in Greater Noida but need help financing it? Chhabra Properties is here to guide you through the various mortgage options available. Our expert team will help you find the best financing solutions to make your home-buying journey smooth and stress-free. Why Choose Greater Noida? Greater Noida, part of the National Capital Region (NCR), is known for its modern infrastructure, green spaces, and excellent connectivity. It's a thriving hub for residential and commercial properties, making it an ideal location for homebuyers and investors alike. Understanding Mortgage Options Buying a home is a significant investment, and understanding your mortgage options is crucial. Here are some popular mortgage options available in Greater Noida: 1. Fixed-Rate Mortgage: 🔒 S tability: **With a fixed-rate mortgage, your interest rate remains the same throughout the loan term, providing predictable monthly payments. 💰 Long-Term Planning: **This option is ideal for those who prefer consistent payments and long-term financial planning. 2. Adjustable-Rate Mortgage (ARM): 📈 I nitial Savings: **ARMs typically offer lower initial interest rates compared to fixed-rate mortgages. 📉 Rate Adjustments: **The interest rate adjusts periodically based on market conditions, which can result in lower or higher payments over time. 3. Government-Backed Loans: 🏦 F HA Loans: **Insured by the Federal Housing Administration, these loans are ideal for first-time homebuyers with lower down payments and flexible credit requirements. 🎖️ VA Loans: Available to veterans and active-duty military personnel, these loans offer competitive interest rates and no down payment. 🏘️ Pradhan Mantri Awas Yojana (PMAY): **A government initiative aimed at providing affordable housing, offering interest subsidies for eligible buyers. 4. Home Loan Balance Transfer: 🔄 L ower Rates: **Transfer your existing home loan to another lender offering lower interest rates to save on EMIs and overall interest. 💼 Better Terms: **This option allows you to renegotiate loan terms, including tenure and repayment options. 5. Construction Loans: 🏗️ C ustom Homes: **If you're planning to build your home, construction loans provide the necessary funds for the project. 🔄 Conversion: **These loans can be converted into regular home loans upon completion of the construction. Why Choose Chhabra Properties? At Chhabra Properties, we are dedicated to helping you navigate the complex mortgage landscape. Here's how we assist you: 🔍 E xpert Guidance: **Our team provides personalized advice on the best mortgage options based on your financial situation and goals. 🌟 Wide Network: We have a wide network of banks and financial institutions, ensuring you get the most competitive rates and terms. 🤝 Hassle-Free Process: From pre-approval to closing, we assist you at every step, making the mortgage process smooth and stress-free. 🔒 Trust and Transparency: **We prioritize transparent dealings, ensuring you fully understand all aspects of your mortgage. Tips for Securing the Best Mortgage - Check Your Credit Score: A higher credit score can help you secure better interest rates.
- Compare Offers: Don’t settle for the first offer. Compare multiple lenders to find the best deal.
- Understand the Terms: Ensure you understand all terms and conditions, including interest rates, repayment tenure, and fees.
- Budget Wisely: Consider your monthly budget and ensure you can comfortably afford the EMIs.
Start Your Home-Buying Journey Today! Ready to explore mortgage options in Greater Noida? Contact Chhabra Properties today to find the perfect financing solution for your dream home. Let's make your homeownership dreams come true! 🏡💰 submitted by Ok_Train_5724 to u/Ok_Train_5724 [link] [comments] |
2024.05.16 07:13 analystInplace Help? Trade credit insurance? Evaluate my process? I have no other way for someone to guide me
After 6 years of working as a analyst for a corporate mainly focused in insurance (bonds/commercial/crime/trade/etc) I am making the big step to study for my P&C exam. I fell in love with trade credit insurance but I also would like to dive into financial insurance. What would you as a VP of director of a common firm advise me to start with? What would be the best place(company) to start? What other license to obtain? I was thinking Coface? There is no space to growth in my current position (next would be CFO but I don't see myself as CFO at least for now..)
I have no friends in the field so I can't compare my portfolio with others I don't know if Im doing something great or I should keep getting more experience. I am unable to compare my work to see where else can I fit and cannot bring this up to my boss. I just found this reddit page and created a profile for some breathing time.
For a little background, graduated finance/accounting, first job was in a Big4 in assurance, got into corporate finance. I handle over 10 trade insurance policies of a combined max liability of 1B+, 1M premium, 100% win claim cases and work renew/understand property/cargo/crime/inventory/trade insurance. I do more but I don't know what information to provide or not provide in order for someone to evaluate my process.
Help?
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2024.05.16 04:41 Zealousideal-Sink497 Personal Injury Student
Hi everyone! I am currently an articling student in a personal injury law firm. I like the work and the people I work with. However since this area of practice is very specialized, I was wondering if at any point in future I would like to work elsewhere what would be my options? Am I only going to be limited to other personal injury firms and maybe in house for insurance companies? Could I practice civil litigation in other unrelated areas or those doors are completely closed since I wont have the expertise in those respective fields (for example commercial litigation)
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2024.05.16 04:35 Zealousideal-Sink497 Personal Injury Student
Hi everyone! I am currently an articling student in a personal injury law firm. I like the work and the people I work with. However since this area of practice is very specialized, I was wondering if at any point in future I would like to work elsewhere what would be my options? Am I only going to be limited to other personal injury firms and maybe in house for insurance companies? Could I practice civil litigation in other unrelated areas or those doors are completely closed since I wont have the expertise in those respective fields (for example commercial litigation)
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2024.05.16 02:33 charlieg4 E&O Insurance for independent actuaries
So I'm trying to start my own LLC independent contracting business. I got a quote for E&O specific to actuaries (or at least that was the application). I got a quote of over 5K a year for $1M limit. I thought this to be excessive, so I asked the broker.
The broker said because it's in California, only non-admitted insurers will quote without excessive caveats and restrictions. This is mainly due to the regulations in CA. This was my guess as we're seeing price increases and exists for auto and P&C insurance in CA. The mentioned other states as well, including FL, which made sense too as insurance is a tough market there in general too.
I called another broker and they gave a slightly different take. They told me, actuarial E&O insurance is a non-standard market nationwide, considered high risk. He thought he might be able to get a lower quote but implied that the 5K wasn't as excessive as I had thought.
The company I'm talking to right now, sent a sample contract they have used before. It only requires "commercial general liability". I've asked them for clarification, but am hoping that doesn't include E&O. General liability for a business is much cheaper (sub 1k). And the quote is from a standard insurance company (regulated).
Any thoughts? Is E&O usually reserved for C-level employees, appointed actuaries, or high level consultants?
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2024.05.16 01:00 Special-Group-191 Reporting a business
How do i report a home business in the Uk? Sick of the constant cars & noise with people coming and going. Also using their home bins for all their commercial waste which is actually illegal as you need to have a license for it. Also not to mention using tons of water, the electric and no insurances in place, never mind the cash only payments.
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2024.05.16 00:26 funlol3 Understanding Your Car Insurance Policy: A Comprehensive Breakdown
Hello,
InsurancePanda Community!
Navigating the world of car insurance can sometimes feel like solving a puzzle. Today, we're breaking down the typical car insurance policy to help you understand exactly what you're paying for and how you can benefit from each part. Whether you're a first-time buyer or looking to refresh your knowledge, this guide is for you!
1. Declaration Page - What it is: This is essentially the cover page of your policy, listing the policyholder's name, address, the policy number, coverage dates, and basic details of vehicles covered.
- Why it's important: It summarizes your coverage and is your go-to for verifying that all information is correct and as expected.
2. Coverage Types - Liability Coverage: This is mandatory in most states and covers damages to other people's property and injuries if you’re at fault in an accident.
- Bodily Injury Liability covers medical expenses, lost wages, and legal fees of other drivers and passengers.
- Property Damage Liability covers repairs to other vehicles or property you damage.
- Collision Coverage: Pays for damage to your car from a collision with another vehicle or object, regardless of who is at fault.
- Comprehensive Coverage: Covers damage to your vehicle caused by almost anything other than a collision, including theft, fire, vandalism, and weather events.
3. Premiums and Deductibles - Premium: The amount you pay, typically monthly or annually, to keep your insurance active.
- Deductible: The amount you pay out of pocket before your insurance covers the remaining costs in a claim.
- Tip: Higher deductibles generally lower your premiums, but ensure the deductible is affordable for your budget.
4. Policy Limits - What they are: The maximum amount your insurer will pay in the event of a claim.
- Tip: Opting for higher limits can provide better protection but will increase your premium.
5. Exclusions - What they are: Specific situations or damages not covered by your policy.
- Common examples: Intentional damage, using your car for commercial purposes without proper coverage, or mechanical failures.
6. Additional Benefits (Endorsements) - Roadside Assistance: Offers services like towing, flat tire changes, and jump-starts.
- Rental Reimbursement: Covers the cost of a rental car while your vehicle is being repaired under a covered claim.
7. Understanding Claims - Process: In the event of an accident, you’ll contact your insurer to file a claim. An adjuster will assess the damage, determine fault, and your insurer will issue payment based on your coverage and limits.
- Tip: Keep detailed records and photos of any incidents to streamline the claims process.
Questions or More Info? If you have specific questions or need clarification on your policy, don't hesitate to ask here or contact an InsurancePanda agent directly. We're here to help make insurance easy and understandable!
Your Experience Share your experiences with using your car insurance in the comments below. Did you find the claims process straightforward? Any tips for fellow policyholders?
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2024.05.15 23:31 turns31 Anyone else not having fun anymore?
I work at/partially own a smaller independent agency here in the Midwest with my dad and brother. I've been doing this for 14 years now and boy, the past 12 months has sucked. We only have 4 agents but I think the last time I checked our total written premium we were at $9m so we're doing alright. We're pretty evenly split between personal and commercial and are really lucky to have a big selection of companies.
* Travelers, Progressive, Nat Gen, Safeco, Hartford AARP, Auto Owners, Cincinnati, Philly, Nationwide, Openly, Stillwater, and probably a dozen specialty and mutual companies. I'm sure I'm forgetting a couple.
I'm fully aware we got it better than most. Even still, this isn't really fun anymore. Especially on the personal side of things. I know we're not FL or TX but my god is it getting tough to shop people around. That's kinda our whole thing. We've always prided ourselves on being honest, upfront, actually answering the phones when folks call in, and trying to do what's best for the customer even if that means less commission. Us agents do all our own quoting and 90% of the servicing. I know we do it differently than most agencies. By doing that we've done pretty well for ourselves and really don't need to advertise or worry about finding leads. We run solely off referrals and call ins and are too busy to keep up.
That's the good thing about right now. 10 years ago, we were desperate for business and would have to take anyone who walked in the door. Nowadays, I bet we have to turn away 30% of new customers for misc reasons. Oh your roof is 11 years old, tough. Your house is $212k and 100 years old, sorry. A single water claim in the last 5 years, nope. You bought both of your daughters Kias?? I can't tell you how many call ins I've sent to Farm Bureau. 2-3 a week at least.
We just had a big regional meeting with our parent company last week and boy it was grim. It was the most depressing company round up I've ever been to. Record losses, more companies tightening guidelines, don't expect profit payouts again anytime soon. I was sitting with some of our peer agency (comparable # of employees and companies) and man, they sure seemed like they were struggling. A couple of them said they were closing 3-4 customers a week and he seemed proud of it. Like for the whole agency. I didn't tell him that I myself did 6 that week.
I'm not complaining about the money. I made $25k more this past year than the year before it. I'll probably match that again this year given what renewals are rolling in at. I'm just getting real tired of quoting a perfectly normal 2,700 sqft 2 story with a perfectly fine 12 year old roof and not being able to do anything. I quote 9 different companies and only one offers me a price and it's $1200 more than what they paid last year. There's a good chance I'll get that sale but the customer already doesn't like me. I'm tired of having to justify the 79% rate increase I saw this morning on a Nationwide home (no claim). I'm tired of every single elderly person telling me "I'm on a fixed income" whenever their policy goes up $27. I'm tired of roofing companies rolling our customer's wind/hail deductible into the amount they're billing the insurance company to win over their business. And then I'm tired when that same customer bitches to me next Summer when their home goes up $1800 on renewal. I'm tired of not being able to talk to an underwriter anymore without first going through India and having them pretend to know what's going on only to transfer me to a misc underwriter 10 minutes later. I'm not saying this job was all sunshine and daisy's but it's crazy how much less stressful it was just 2-3 years ago.
My dad's been an agent for 40 years (25 with Farmers) and he said this is the worst market he's ever seen. He predominantly does commercial and habitational and that's become a nightmare as well. He's had to turn away $250k premium accounts recently because there's literally not a single other market for it.
Please tell me we're not alone. Please tell me this is temporary and it won't suck to come into work in 2 years. We've never ever listened to a single buyout offer but man, I get why some folks do it these days.
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