Nine tips to buy the car insurance.

Nine tips to buy the car insurance.

When buying insurance for your car, consider the following tips. Remember that not only does the price matter, but also the coverages you have and the insurance company that sells it to you.

Voluntary insurance, commonly called "Against all Risks", is very different from the SOAT or compulsory insurance for every vehicle owner.

The following tips will be very helpful in choosing a car insurance.

1. At the time of acquiring insurance, the most important thing is not always the price. But not being insured can be expensive. Many people, after a robbery or total loss of damage, have also lost their life savings or become indebted for not having a voluntary insurance for their car.

2. Analyze the coverages. The market offers policies for all necessities and pockets, there are insurance that cover the theft of accessories, such as: rims, mirrors, rims, objects left inside the vehicle, etc.


3. It is important to determine whether the civil liability you provide fits your needs. Insurance is key when you can be civilly responsible for causing injury or the death of a third party in a mishap on the tracks. For these cases, the policy includes coverage of civil liability, the most important for any owner.

4. Be aware that the safety is in your particular case, i.e. type and use of the vehicle. Not always a standard policy is what we need. In any case, keep in mind that risks such as traffic accidents or car theft are constant threats to vehicle owners and, in this scenario, car insurance emerge as an effective alternative to cope These situations.

5. Analyze the types of risks you are exposed to and the experience you have as a driver, that also depends on the type of coverage required. The number of coverages you request will also depend on the price of the insurance.

6. It is important to analyze the additional services offered by the insurer and if these are important to you. Such is the case of assistance, inspection centres, Allied workshops, chosen driver and alliances, among others.


7. The insurer must provide you with an immediate line of care that supports 24 hours, 7 days a week in case of loss.

8. Compare deductibles. Some companies offer the advantage of not decota this value (close to 10%) in case, for example of theft or total loss for damage. "Total loss is determined when numerically the value of the repair, i.e. labor, spare parts, and their respective taxes, have a value equal to or greater than 75% of the commercial value of the vehicle," explains a Colpatria insurance expert.

9. To choose an ideal insurance for each case, it is better to take time, compare and advise an insurance expert.

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¿What information does the insurer need to issue a car insurance?

¿What information does the insurer need to issue a car insurance?

As much as possible is that when you consider buying a vehicle, the dealer or dealer will ask if you have insurance for the car and if this is the first time, it may not be very clear what documentation you will need to present to the insurer.
Ideally, before submitting any documents or making any payment, you consider two aspects: a) How to choose the right insurer; B. What type of insurance do you need?
In addition to listening to the recommendations of friends and family about the companies with which they have had positive experiences.

The first thing the broker or insurance agent will want to know is the type of car you are going to secure. Because this is one of the factors that influence the price of a policy and the type of insurance you need.
Basic information about your car
• Year, model and brand.
• The vehicle identification number.
• Vehicle safety attachments: air bags, seat belts, anti-lock brakes, burglary safety systems, alarms, etc.
• How many miles you will handle around the year and how many you spend on your daily job.
• If it is a new or used car; The miles already covered; If you are financing it, the name and contact details of the company financier.
• If the car overnight in a garage, a public park closed or on the street.
Some insurers offer discounts for new cars and the agent may want to examine the vehicle and/or take photos of it to find out the state it is in.
When you have special cars or particular models, such as race cars or collectibles, chances are that the insurance is more expensive than when it comes to a regular one. And it is even possible that some companies do not secure certain vehicles and should address a specialized insurer who does.
Driver data
It is very important that when you get insurance for your car, identify all the drivers who live in your home and who can handle it. This is to prevent in case, for example, that children who are of driving age take their car without their permission, are covered in case any problems that have to do with the insured car are present.
The insurer will find out about the driving history of the vehicle owner and the policy. It depends a lot on your trajectory and behavior as a driver, that the insurer treats you with more or less consideration. As in everything, at greater risk, it will be more expensive to secure it.
If you have had numerous crashes or traffic tickets for speeding, this story will cost you more money when you buy the insurance; But instead, if you have a good driver record, you will enjoy additional discounts and even special programs for safe drivers and/or taking additional defensive driving lessons.
Also, if the young drivers of your home have taken driving courses, they can mean discounts-in addition to a mental peace of mind-; And if you are good students, you may also receive discounts on your annual or semester premium.
If you have other cars, you may only need to add the new car to the existing policy and therefore get some discount for "loyalty" and seniority as a customer. Also if you have housing insurance, you can place the car insurance in the same insurer. In that case, inform the broker of the company with whom you secure your home.
Personal information
You will obviously be asked to show your driver's license and take note of it. Not only is it important to confirm your address and identity, but you also use it to assess your driving history (the insurer may request to review your driving history with the State Department of Motor Vehicles).
Similarly, the insurer can initiate a detailed assessment of your credit history, so the broker will ask for your Social Security number. It must ensure proper handling of your private information and tell you your rights regarding the laws of your state.
If you have any problems finding a company that will secure your car, either because of the car type or your driving history, don't despair, there are two options and you can read more about what to do when you don't find insurance coverage for your car.
Compare is the basis of saving on auto insurance
Once the agent or broker has all the information, it will provide you with a quote of how much will be the total cost for each renewal period (either 6 months or 1 year) and the coverages that are included. In order to be able to hire the most appropriate insurance according to your case, you will need to compare with other similar companies and with the same lines, that is, if a company offers you a deductible of 400 dollars, ask for a quote to another company with the same deductible.

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Life insurance

Seguro de vida

• Se puede contratar un seguro de vida para cubrir la muerte del titular de la póliza o para obtener una rentabilidad de su dinero.

• Hay 2 tipos de seguro de vida: ahorros de vida y vida de riesgo.

El seguro de vida es el proveedor de protección contra muerte y discapacidad, un tercio de ellos son contratados individualmente y el resto es un colectivo colectivo contratado por su empresa o por varios miembros de la misma familia. Es un producto de seguro muy extendido para la ayuda que representa para la familia y los familiares cuando ocurre la muerte o la invalidez del asegurado, especialmente cuando dependen directamente de sus ingresos o están vinculados a un préstamo de cualquier tipo.
Al momento de contratar una póliza de seguro de vida, así como de suscribirse a cualquier otro seguro, es importante tener preguntas claras, saber qué tipo de seguro, qué cubrir, quién contrata y dónde.

¿ Qué es un seguro de vida ?

Las pólizas de vida forman parte del seguro denominado para personas y consisten en el pago de una prima fija estipulada para poder recibir en caso de muerte o incapacidad un monto que complemente la falta de ingresos del asegurado.

El monto de la prima a la que el asegurado depende del riesgo y la cantidad de dinero que desea recibir es un caso de discapacidad o que sustento percibido en el caso de su muerte. Además, dicha indemnización definitiva de la póliza puede recibir en un solo pago o como un ingreso, según lo desee el asegurado o sus beneficiarios.

Modalidades

Existen dos condiciones principales dentro del seguro de vida, que cubren en caso de fallecimiento y las que lo hacen en caso de fallecimiento. Además, el Sindicato de ambos es el conjunto seguro.

• Seguro de caso mortal, también conocido como Seguro de vida de riesgo.

• Seguro de vida, llamado seguro de ahorro de vida.

Además, es posible optar por los riesgos financieros de la inversión variando la cantidad que recibe las fluctuaciones en los mercados financieros o no tomando riesgos y beneficiando de una relación fija.

Tipos de seguro de vida

La elección entre el ahorro o el seguro de vida depende del beneficio del asegurado para su póliza. Por lo tanto, el primero se contrató para obtener una ganancia sobre las primas pagadas, mientras que en el segundo el beneficiario recibió el capital estipulado cuando se produjo la muerte del asegurado.

Riesgo de seguro de vida

El seguro de vida para el caso de muerte en el origen del riesgo de la vida, y la función de cobertura en la que el beneficiario de la póliza recibe el capital estipulado en ella cuando muere el asegurado. Por lo tanto, una diferencia de otros seguros de salud, en el caso de riesgo vital, el asegurado y el beneficiario no es la misma persona.

Esta política se puede contratar en 2 modalidades: vida completa o temporal.

Seguro de vida entera

La modalidad de vida completa consiste en pagar el capital designado en la póliza justo después de la muerte del asegurado, independientemente de cuándo tenga lugar. Además, es posible elegir entre bonos de por vida o temporales. Con el primer pago se realiza durante la vida del asegurado, mientras que con las primas temporales el pago se realiza durante un número de años acordados o hasta su saldo antes de la expiración de la póliza.

Seguro de vida temporal

Estos seguros de vida cubren el riesgo de muerte durante un período de tiempo específico y se estipulan en la póliza. Este tipo es el que contrata para la amortización de préstamos. Por ejemplo, el asegurado murió y tenía una hipoteca pendiente de seguro cubre sus existencias.

La obligación adquirida por el asegurador después de la firma finaliza en el momento de la expiración del contrato y la compañía no tiene que hacer ningún desembolso al beneficiario si el fallecimiento no se produce durante la vigencia del contrato.
En esta modalidad no hay posibilidad de beneficio por rescate, pero puede ser convertibles o renovables anualmente con el pago de la prima para extender temporalmente la cobertura del seguro.

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¿What is sports insurance?

¿Qué es un seguro deportivo?
El seguro deportivo es recomendable para quienes practican deportes en riesgo en sus viajes. La principal ventaja del seguro deportivo es que cubren al viajero en todo momento, ya sea durante la práctica de deportes de aventura o en el resto del viaje. Por lo tanto, al contratar un seguro deportivo también está asumiendo las garantías del seguro de viaje: cancelación e interrupción, asistencia médica, incidentes con transporte o equipaje, etc. A diferencia de otros seguros, es bastante fácil sacar la máxima rentabilidad del seguro deportivo.


¿Cuáles son las coberturas de seguro deportivo?
Como ya hemos comentado, además de los seguros de viaje (asistencia médica, repatriación, indemnización por accidentes, problemas de equipaje o transporte, responsabilidad civil, etc.), el seguro deportivo se derivará directamente de las actividades deportivas como salud, accidente, rescate, equipamiento deportivo, forfait o clases contratadas.

Asistencia médica: si debido a un accidente o enfermedad necesita atención urgente, el seguro deportivo cubre los gastos de consulta médica, intervenciones, hospitalización y medicamentos o exámenes de diagnóstico prescritos. En el caso del buceo, los costos del tratamiento en cámaras hiperbáricas también están cubiertos.
• Búsqueda y rescate: si pierde o sufre un accidente al practicar una de las actividades cubiertas y necesita intervenir los servicios de rescate, la aseguradora cubre los gastos derivados de la ubicación y el rescate. Dependiendo del tipo de rescate, el medio se utilizará para garantizar la máxima eficiencia (helicóptero, trineo ...).

• Repatriación y transporte sanitario: con el seguro deportivo, como con los viajes, se garantiza que volverá a casa en caso de accidente o enfermedad, ya que la compañía de seguros organiza y paga la transferencia a su hogar o al centro hospitalario más adecuado para tus necesidades.
• Prótesis y muletas: las lesiones son un problema recurrente cuando se practican deportes de riesgo, así que mejor prepárate. Si tiene un accidente y el equipo médico determina que debe usar prótesis o muletas con urgencia, la compañía de seguros correrá con los gastos de la misma.
• Rehabilitación: si se lesiona practicando alguno de los deportes cubiertos, el seguro cubrirá los gastos de la clínica de rehabilitación que elija.
• Material deportivo: en caso de pérdida de equipaje o equipo deportivo facturado, la compañía de seguros utilizará todos los medios a su disposición para localizarlos y, si los encuentra, le llegarán los gritos sin costo. De lo contrario, se le pagará la cantidad correspondiente al valor del equipaje. Además, en caso de retraso en la entrega de las maletas debe alquilar el equipo o comprar productos de primera necesidad, la compañía de seguros asumirá los gastos. En el caso de los deportes de nieve, si el equipo de esquí o snowboard se rompe accidentalmente en el recinto de la estación, la compañía de seguros se hará cargo de los costos de alquiler del equipo.
• Pérdida de servicios contratados: si por accidente, enfermedad o cierre de la estación no puede practicar deportes de nieve, la compañía de seguros le reembolsará los gastos del pase de esquí. Lo mismo ocurre con las clases que pagaste.
Conozca todas estas garantías, no dude en comprar su seguro deportivo antes de partir si va a practicar deportes de aventura en su próximo viaje, se enfrentará a gastos imprevistos y ahorrará. 

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Things you need to know about the insurance of a car.

Things you need to know about the insurance of a car.

Like the purchase price of a car, car insurance rates are affected by the years. The age of the car you want to buy can have an impact on the cost of the insurance.
It is considered that new car insurance tends to be less expensive than new cars, but the fact is that used cars can be as expensive to ensure as new cars, even more, and there are several factors:
The level of risk

When it comes to buying a used car, the level of risk for the driver can be much more important than the year of the vehicle. For example, if a driver owns an older Lamborghini and drives it on the road at very high speeds, he will probably pay more than the driver of a new Toyota Corolla that only uses it to go to his job, since the odds of an accident They're lower. If the driver of the first example adds performance-improving modifications, or has a lot of claims from the insurance, then your rate may go up even further.

On the other hand, brands and models that tend to attract prudent drivers are cheaper to secure. This includes SUVs and minivans. Safer brands and models involve fewer accidents, which means less property damage and claims payments for insurance companies.

Cars likely to be stolen

Insurance companies will consider in their rates how often a vehicle type is stolen. If a second-hand car is prone to theft, then the insurance cost is likely to increase.

Sometimes a model car ultimate is not necessarily what the thieves are looking for. Rather, they like to steal cars with pieces that don't change over the years, as they can be sold without having to worry about selling a whole car. This is why the most stolen cars are the Tsuru, the Ford pick-up and the Volkswagen Jetta.

Newer cars can be attractive, but each day they are improving in security and already have GPS systems or anti-theft devices.

The security
Cars that have high safety ratings usually do a good job of protecting their drivers, and fewer accidents and injuries, the cost of insurance decreases. With more reliable vehicles, companies feel confident that medical injury payments will be minimal.

Insurers take this factor very seriously, so they offer discounts for vehicles that have safety features. Volkswagen Jetta, Honda Fit, Seat León and Volkswagen Vento are some of the safest cars.

How to save on insurance premiums
Now that you know that insurance for new and seminew cars can be equally costly, there are ways to save money and secure a used car. For example, did you know that you are entitled to a rate reduction? As long as you ask the right questions. Check out some ways you can save on insurance.
Choose the coverage you need
Another way to save money by securing a refurbished car is to buy only the coverage you need. This means buying the Civil liability, although the protection is minimal.
Deductible

Many people believe that insurance will run with all the expenses of an accident, but the truth is that you will have to repay some of your pockets, perhaps the percentage is minimal, but if your car requires a repair of 50000 pesos, you will have to pay a deductible Approximately 5%. If you think you can handle most of the repairs or losses, you will decrease the insurance rate. Be careful not to increase too much because it could be counterproductive if in a claim you are the main responsible.

Conclusion
The number of factors that are being calculated for the insurance premium implies that it is possible that a preowned car has much more cost to ensure it than a new one. However, there are always several option

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Hiring short-term travel insurance.

Contratación de seguro de viaje a corto plazo.

Hay muchos planes de asistencia de viaje que puede encontrar en nuestro sitio web. Todos están diseñados para satisfacer las necesidades de cada viajero. Además, las compañías que los administran son de gran renombre internacional, por lo que trabajan en todo el mundo.

¿Por qué contratar un seguro de viaje a corto plazo?

Como dice el refrán, siempre es mejor estar seguro que lamentar. Los seguros de viaje corto sirven para mantener al asegurado en cualquier lugar y momento, independientemente de la hora o el día.

Todos los planes y coberturas ofrecidas por las pólizas de seguro han incluido el Servicio de Asistencia para Viajeros, lo que significa que si necesita la ayuda de su aseguradora, recibirá una atención totalmente personalizada y un asistente de viaje Profesional se encargará de indicar en detalle qué pasos debes seguir para resolver tus problemas.

y un Plus! Si llegó aquí para enfermarse, solo comunicándose con el centro de emergencias de la aseguradora, la compañía le enviará un médico o lo transferirá a un centro de salud, según sea el caso, y también cancelará todos los costos que el servicio de atención recibió Generate.

¿Cómo contrato mi seguro para un viaje corto?

Para comprar su plan, lo primero que debe hacer es completar el formulario de cotización, luego comparar las opciones disponibles para usted y finalmente elegir el seguro de viaje corto que mejor se adapte a usted.

Haga las compras en línea desde donde desee. En cuestión de horas, la política llegará por correo y estará lista para ser utilizada.

¡Obtenga su seguro de viaje a corto plazo y deje que cuide de usted en todos los lugares!

COPIAR EL FRAGMENTO DE CÓDIGO Inserte el código de anuncio entre las etiquetas HTML del feed de contenido No puede añadir el mismo código varias veces en el mismo feed El anuncio puede tardar entre 20 y 30 minutos en aparecer en la página. Al principio, es posible que aparezca como anuncio de texto o imagen normal, pero pronto se sustituirá por un anuncio nativo. Si desea obtener más información, consulte nuestras directrices

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Types of insurance for cars

Types of insurance for cars

When it comes to hiring car insurance, one of the main things we need to look at is about the coverages it includes. To help you choose the one that suits you the most, we do a quick review of the most common differences in car insurance policies.

To third parties, to third parties extended, to all risk, to all risk with franchise... Not all car insurance is the same. The market is full of different types of policies that offer varied coverages ranging from the basic ones that relate almost exclusively to the damages that may be caused to third parties in the event of an accident, until reaching those that even help and advise the driver in Specific circumstances such as the withdrawal of the card.

Depending on the type of policy contracted, the coverages vary in a very significant way, and with them also varies the price of the annual premium to pay for the car insurance. For example, policies with lower annual premiums are usually those for car insurance to third parties: they are the most basic and mainly cover the damage that the insured driver may cause to other drivers or vehicles. 

It is important to note that not all policies to third parties are the same: each insurer establishes its conditions and includes specific coverages to try to differentiate itself from the competition: roadside assistance, fines management, legal advice, by example, your most basic third party insurance policy includes travel assistance, as well as legal advice for loss of driver's license points, aspects that other companies only allow to hire as extras.

In general, insurance companies offer the possibility to supplement their car insurance policies to third parties with additional coverages. For example, it allows hiring extras such as roadside assistance, the free choice of workshop and the possibility of obtaining a replacement vehicle if the car is insured to suffer a claim that has it for a time in the workshop, or is stolen.

In addition, the insurance companies also offer the extended car insurance to third parties, which includes the basic coverages of any insurance policy to third parties, plus a series of extras that although they make a little more expensive the price of the premium, together they can represent An attractive option for those seeking a policy that also protects part of their interests and those of the insured car. 

On the other hand, car insurance at all risk are those that include the greatest amount of guarantees, which translates into a greater peace of mind for the policyholder, ie for whom he hires, although these coverages as it is logical are a higher premium. This type of insurance is usually recommended for new vehicles, since they protect practically all aspects related to the safety and care of the insured car. 

Franchised full-risk car insurance is a good choice for drivers who have a new or relatively new vehicle, and do not often suffer many claims per year. It is important to note that the franchise is pre-established with the insurance company and that it is a fixed amount that is agreed in advance. 

Given such a variety of options, and conditions, the ideal is to analyze very carefully what are the real needs we have when hiring insurance for our vehicle, evaluating aspects that go beyond the price of the premium and go to evaluate Our driving habits, experience in front of the wheel, and even if the car spends the night parked in the street or in a private garage. The key to buying smart is to compare, and hiring the ideal car insurance is no exception.

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¿What is Travel insurance?

¿Qué es un seguro de viaje?

En su estadía en el extranjero, no debe depender de ningún seguro de viaje. Necesita un seguro adaptado perfectamente a su forma de viajar.

El seguro de viaje es uno de los servicios más importantes que debemos tener en cuenta cuando viajamos al extranjero. Lo bueno es que el seguro de viaje es que siempre seremos callados y disfrutaremos del viaje al máximo sabiendo que si surge un imprevisto, nos respaldará una cobertura.

La operación de la asistencia al viajero implica cubrir en el extranjero los riesgos que existen habitualmente, como por ejemplo alguna emergencia leve por dolor de cabeza, problemas estomacales, mareos que es lo que normalmente nos pasa a los viajeros, así como emergencias más graves que pueden ser enfermedades o accidentes más graves, que siempre estamos expuestos a estos.

Para eso siempre estaremos disponibles los teléfonos de la empresa que nos brinda el servicio o direcciones de las clínicas de la ciudad donde nos encontramos, donde podemos ir y ser recibidos por especialistas médicos que nos brindarán la asistencia correspondiente a Nuestra emergencia, de ser necesario realizaremos estudios, placas, nos darán medicamentos, también tendremos odontología de emergencia dentro de la cobertura y todo lo que fue necesario para solucionar lo inesperado que surgió.

También para el seguro de viaje en caso de urgencia grave, seremos intervinidos y contaremos con profesionales que harán lo mejor para nosotros, haremos hospitalizaciones cubiertas, días de internación, operaciones, etc.

Podemos decir que el seguro de viaje funciona de manera similar a un trabajo social o de prepago que tenemos en nuestro país de origen, la diferencia es que el mismo se brindará en el exterior y solo brindará cobertura en caso de urgencia o emergencia. surgió en nuestro viaje.

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¿What is insurance and how does it work?

¿What is insurance and how does it work?

Insurance is contracts whereby, in exchange for collecting a premium (insurance price), the insurance Company undertakes, in the event of an accident covered by the contract, to indemnify the damage produced or to satisfy a capital, income or other Agreed allowance.

Terminology

A special terminology is used in the insurance world. To understand the characteristics and functioning of these products, first understand the meaning given to the following words:

People involved

• The insurer: is the insurance company. In exchange for collecting a premium, it assumes the obligation to indemnify the insured or beneficiary a certain amount of money, in the event of a certain event occurring (contingency).

• The policyholder: is the person or company that contracts the insurance and pays the premium.

• The insured: is the person exposed to the risk covered by the insurance contract. The risk may fall on the person of the insured, on the property that it possesses an economic interest or on its globally considered patrimony

• The beneficiary: is the person or company that is entitled to receive the consideration agreed upon in the contract.

The policyholder, insured and beneficiary could be the same person, or different people.

Other terms

• Policy: This is the document in which the insurance contract is embodied. It contains the regulation of the same and is composed of general, particular and special conditions.

• Premium: The price of insurance

• Insured sum: The amount fixed in each of the agreed coverages and constitutes the maximum limit of compensation payable by the insurer, in case of contingency or loss.

Contingency/Casualty: The event foreseen in the policy and that gives rise to the fulfillment of the obligations of the insurer. The production of the contingency or loss gives rise to the agreed indemnification. (Examples of contingencies: death, sickness, fire, accident, etc.)

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Insurance policy coverage for companies

Insurance policy coverage for companies

The purpose of insurance policies for companies is to transfer a risk that you can pay (for example, the payment of a premium without a guarantee of return) to the coverage of a risk that you could not afford.
Which owner does your company not secure against fire?
In addition to your lawyer and your accountant, another professional you should include in the process of opening your business is an insurance agent. It may be helpful to have an agent handle all of your insurance-related issues. There are insurance policies for companies specially designed to provide coverage that in a single package meet the needs of insurance. Insurance will not be important only to you inside your company, but to your other business relationships. For example, if you decide to rent an office space, the landlord will usually ask you for a certificate of insurance or to appear as an additional insured in your policy as security that your business does not disappear overnight in the event of an accident.

Some of the risks for which you should be protected are:
Insurance against damage to material property of the company

This insurance must include wide coverage to protect it from a variety of losses. Your policy must include:
O Buildings: This coverage will be necessary if you own the property where your business is. In case of renting the premises, the right thing would be for your landlord to provide this insurance.

or the material goods of the business include their tables, desks, chairs and equipment. Also, it would be nice to include the improvements made to the local. An example would be a division of areas, a showcase or a custom-made counter that is part of your reception area to customers.
or loss of income.
or earthquakes.

Or flooding (may be available or unavailable).
Keep in mind that a full coverage policy can be structured to cover all your equipment, including hardware and computer software, in addition to your value records. A properly drafted policy includes loss of income that could result from paralyses, as well as loss of income from other risks that may temporarily disrupt your operations.

Civil Liability Insurance
A general Liability coverage policy (CGL) is made to provide coverage to third parties for the following:
or personal injury and publicity
or legal liability for fire, which is often compulsory if you rent the premises. This protects you in the event your negligence results in damage or loss to the landlord's property. For example, you mistakenly leave an electric heater on when you go home at the end of the day. During the night, there is a short circuit and a fire is provoked in which the fire and the smoke damage the building of its lessor. In this case, the negligent act of leaving the heat on caused the damage. This is where the fire legal liability insurance comes in protecting your investment.

or Products and operations completed.
or medical expenses or payments.
or general responsibility for their facilities. The best way to illustrate this is the risk of "tripping over the torn carpet, hurting".
Occasionally, some policies exclude "products and operations completed" and/or "personal injury and advertising" depending on the company's turnaround. In such cases, you may seek a policy of professional responsibility, negligence or errors and omissions that may end in legal lawsuits against your company. This applies even more to professions that are subject to a high level of care and quality standards, such as lawyers, engineering consultants, insurance agents, realtors, doctors and dentists.

Work Accident Insurance
If your business has employees, insurance against work accidents will be compulsory. Companies that just started normally find that the state compensation fund is sufficient. As the business grows, you can look for different options and compare prices for that coverage. In addition, some insurance policies for companies in industrial accidents offer additional services such as risk management and loss control that could benefit your company. These services are usually very useful in reducing long-term claims costs. Do not confuse risk management with your involvement in it. The insurance company must assume 100% of an employee's compensation for work-related accidents.

Other insurance
or auto insurance for the company's vehicles. (civil liability, total coverage, accidents and uninsured motorists or low coverage).
Or health insurance plans tailored to your business. This coverage will give you an advantage when recruiting good employees.

Or here's a type of insurance you never think of: insurance for when you're not – and when you know and control everything, it's a good idea to have a guide for employees to know what to do, who to call and where to find the information you need to keep the  Consistency in your business if you are missing.

Surplus Supplementary Insurance
It is the limits of liability available above the maximum limit that your insurer can offer you. You can access them in two ways:

In general, additional coverage for unhedged risks may be added at an additional cost to the original policy based on "amounts" of USD 600,000 to USD 1 million, sometimes up to 4 million dollars.
To acquire what is called a "wide-coverage commercial insurance", which provides additional coverage and more, to most basic policies, including commercial policies,
Always remember that: the insurance policies for companies you have chosen may offer lower limits, which is attractive from the point of view of the premiums to be paid. However, a smart businessman must contemplate liability limits of at least 1 million of dollars. The extra cost is usually reasonable and convenient if we consider the business environment so
contentious today.
Example: You, the owner of the business, suffers a traffic accident in which it is determined that it was your fault. In addition, due to the accident the affected person is paraplegic. This type of claim may result in a multi-million dollar ruling against it.

Work Practices Liability Insurance
Work practices liability insurance constitutes a coverage that is becoming increasingly common among companies, with premiums exceeding $3.000 per year for $2 million coverage. Even though this type of insurance is not common in small businesses, the threat of unjustified dismissal or sexual harassment lawsuits, which are normally excluded in business policies, increases as the company grows.

Life insurance
As mentioned above, if you have a partner, your purchase-sale agreement may be financed by life insurance in the event of a member's death. The amount of this insurance can increase as your company grows.
Suggested activities:
Before you start operations, collect referrals and recommendations from attorneys, accountants, and insurance agents so that you can choose the most-indicated professional advisors with much anticipation at the time you need them. It is likely that you will initially answer your questions for free when you see that you are considering joining your team of professionals.



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How to select good health insurance.

How to select good health insurance.

Steps to follow:

Types of health insurance there are and which you need, there are two types of health insurance, those insurances that ensure for a given illness and the other the general insurance policy that guarantees health insurance for any disease that the client may have.


Within the types of health insurance there are types of policies that cover only one type of illnesses, others that cover any type of disease, inform you before hiring the policy that type of illnesses covers the health insurance.


The period of lack is the time that the insurer leaves as a margin to cover certain illnesses, a typical case is that of pregnancy since most of the companies can have a year of lack, during this year the client will not have medical coverage.
Beware of age, there are medical insurance companies that do not want to secure people over 55 to 60 years. Companies have every right not to secure older customers this age. Sex limitations are not accepted by case law.

The medical insurance companies do not have the right to terminate the contract unilaterally or modification of the service must inform beforehand. If you will be able to do so but you must first inform them that the conditions will change.

Some insurance policies include medical co-payment that means that the services you provide must be partially paid. This type of service makes the monthly fixed price less and that it is paged in a variable way for each visit or operation that we need.

Make sure that the insurance policy perfectly spells out the terms to unsubscribe, because on many occasions there is a fixed expiration date and it is not free to unsubscribe. Even at other times insurance policies may have a period of stay in private insurance.

The premium increases in the health insurance quota are not regulated and the insurance company can raise the fee when and for the amount the company wants.
This article is purely informative, we do not have the power to prescribe any medical treatment or to make any kind of diagnosis. We invite you to go to a doctor if you have any type of condition or discomfort.

Tips
• It is advisable to read the insurance policy well because it will be the contract between the insurance company and the client.
• Find out the origin, history and characteristics of the insurance company that owns the company that provides the health insurance services.

• Before hiring a health insurance company, consult several companies and ask for detailed price quotations and services included in each.

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How to secure your used car

How to secure your used car

As we know, buying a new car implies a big investment and not all of them have the money to buy an agency car, so we resorted to buying a used car.

After changes in transit regulations in several countries of the world, having auto insurance has become compulsory, so buying a used car does not exempt you from securing it. If you don't know how to secure a used car, here we tell you.

Examine the general condition of the vehicle and handle it: even a short section, which is usually done in the company of the unit owner.

Advantages
No depreciation of the car
You save a lot of money when you buy it
Auto insurance is cheaper
You find a lot of models
If you choose a popular car model, it's easier to find auto parts
If you buy a refurbished agency car, some dealerships give you warranty.

Disadvantages
A mechanic should check the car
Risk of the car being hit
You are more likely to spend on repairs and maintenance
If you buy a discontinued car, finding original parts can be a challenge
Risk of the car not being manufactured in your country
Risk of the car having a robbery report.

Buying a luxury used car can cost you from 50% to 70% less than its initial value while older, the harder it will be to find the car.

Check for major damage: Take the car to your confidence workshop for a general review. Especially ask that they check if there are possible leaks of fluids that can affect the engine, observes the smoke that comes out of the exhaust, verifies that there are no blows below the bodywork and especially those that may have affected vital parts.

Confirm that the serial numbers appearing on the motor, bodywork and chassis are matched against those of the original invoice.

Internet: There are pages where you can see and compare different cars and contact the buyer.

Tianguis de Autos: Going to these places is not very advisable because you can not know the origin of the vehicle or you do not have so many guarantees, but if it is your only option, avoid the purchase by impulse; Even if it looks like an irresistible offer, don't pay anything without checking the car and seller's background.

Through a known: if a family member or friend is selling his car is easier to make the purchase because you have seen the handling and care you have had with your car, however, the drawback of this transaction is that the person does not have a fiscal domicile,  It does not give you any guarantee or sometimes you do not sign a purchase-sale contract.

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How to insure your assets

Cómo asegurar sus activos

El seguro en general protege las pérdidas económicas para las personas, las empresas y el estado. Es el instrumento financiero que permite la transferencia de riesgos a las compañías de seguros mediante el pago de una tarifa.
Al comprar una póliza de seguro, el asegurado puede recibir una compensación por el bien asegurado cuando ocurre un desastre natural, un accidente automovilístico, un incendio, una discapacidad, un engaño, un gasto de atención médica o incluso la muerte.

En el caso específico del mercado inmobiliario existen varios seguros especializados en proteger aspectos de las viviendas. Cuando una persona adquiere una propiedad con financiamiento, los prestamistas requieren un seguro de propiedad. Para lo cual el propietario deberá comprar una póliza que cubra mínimamente el valor de la hipoteca.
Las pólizas de seguro Standard-Property están compuestas por cuatro coberturas de seguro.
La cobertura estructural que protege al propietario de los daños más comunes, como fuego, humo, granizo, vandalismo y robo. Esta cobertura incluye una cantidad deducible que el propietario de la propiedad acepta pagar en caso de que se produzca alguno de los daños mencionados anteriormente. El resto del dinero para el material de reparación o reemplazo será proporcionado por la compañía de seguros al límite predeterminado en el contrato.
En la mayoría de los casos, la cobertura de propiedad personal está incluida en el seguro del propietario y protege la reparación o el reemplazo del contenido de la vivienda. Aquí se incluyen muebles, ropa y electrodomésticos. Esta cobertura garantiza del 50% al 75% del valor de los artículos protegidos.
Es aconsejable que los propietarios guarden en un lugar seguro un inventario detallado de sus posesiones, que vayan actualizando en la medida en que adquieran un nuevo bien.

El tercero es la cobertura de subsistencia adicional que consiste en los fondos que recibirá la parte perjudicada y su familia para pagar un alojamiento alternativo cuando el propietario de la propiedad no pueda vivir en el tiempo que están llevando a cabo el trabajo de Reparación. 
El último, y no menos importante, incluido en el seguro de propiedad, es la cobertura de protección de responsabilidad. El propietario está protegido contra reclamos y posibles reclamos por lesiones corporales o daños a la propiedad que cualquier miembro de la familia cause a otras personas o sus bienes materiales.
Una cantidad significativa de cobertura de protección de responsabilidad es que le permite a la persona afectada presentar las facturas médicas a cargo de la compañía de seguros del propietario.
Si el propietario tiene un perro, deben verificar que estén incluidos en la póliza de seguro. Si la mascota agredió a alguien estará protegida.
Aquí hay algunos consejos prácticos que pueden ayudarle cuando compra su póliza de seguro.

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How to secure your home.

How to secure your home

Insurance is a contract whereby a person pays a specialized company a certain amount of money in exchange for compensation in the event of a risk situation. Insurance companies offer various kinds of policies that can be gathered in two large groups: personal and patrimonial. The first ones cover the physical integrity of the insured such as life, disability or retirement. The second group covers irrigation related to the assets of the insured such as robbery, flooding and fire. Many families are unaware of the benefits and aid that can be obtained by securing a home.
This company offers the safe home policy, which includes coverage in three parameters: family, home and vehicle. The home policy refers to housing and contains coverage in cases of fire, earthquake, collapse, rain, flooding, falling trees, among others.

The values handled by certain insurance policies are as follows: Earthquake, quake, collapse and volcanic eruption: 2% of the insured value, with a minimum of USD 500; Rainfall and flooding, 1% of the insured value, minimum USD 350; Glass breakage, 10% of the loss value, minimum USD 80; Other events, 10% of the loss value, minimum USD 175. All the values handled are yearly. This company also has insurance against robbery and/or assault. The cost is 10% of the claim's value, with a minimum of USD 200. It also has electronic equipment insurance and its cost is 10% of the loss value, minimum USD 200 per year, an insurance policy covers all unforeseen or sudden facts affecting a home.

The type of policy in case of natural disasters or fires is similar to insurance there is a contract in case of theft of the real estate, except the subtraction of cash, jewels and works of art. The value of the annual fire rate in the furniture market is variable. However, the index is, on average, 2.20 by 1 000. That is, if a house costs USD 100 000 The value you pay for fire is USD 220 annually. The robbery is 1.20 for 1 000. If a home is secured in USD 10 000, you must pay USD 120 annually.
How to get a home policy The interested party must go to the insurance company and request the information. The years of construction, the terrain area and the site where it is located are three of the parameters that are taken into account. The policies do not cover structural damage. This kind of injury is a civil liability of the builder. The landlord has the right to claim the professional, who, in turn, should reverse the housing damage. And how can we protect the communal equipment, which is so necessary and so susceptible to damage of varying magnitude? For that is the supplementary policy called ' Machinery break '. For a percentage that goes from 1 to 3 for 1 000 (depending on the state of the property), the condominiums have insured the cisterns, the elevators, the Transformers, the gardens and even the swings where the children play. Variety of Insurance The Horizontal property law requires shared insurance. The fire policy is the most required, although there are additional machinery breakage...   ' Civil liability ' insurance protects against eventual actions such as the theft of pictures or accidents such as the fall of a brick when it passes through a construction...

This content was originally published by Diario EL COMERCIO at the following address: http://www.elcomercio.com/tendencias/construir/asegurar-bienes-e-inmuebles.html

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Practical tips to save at the time of purchasing auto insurance.

Practical tips to save at the time of purchasing auto insurance.

Compare prices and services. Prices for the same coverage can vary greatly from one company to another. Request at least three quotes (for the same product) from three different sources; Either from insurance agents or brokers, directly from the insurance company or through the Internet. It is possible that the Department of Insurance of the state where you live, has guidelines (guidelines) of how much the insurance companies charge for the different types of auto policies. Some insurance companies have their own agencies, and they can also offer their policies through authorized agents or insurance brokers who simultaneously manage insurance from several insurers. Other companies sell their products or policies directly to the consumer, through Internet services or by telephone.

Ask for quotes from various types of insurance companies. The insurance company you choose will not only offer you good prices, but also an excellent service. Sometimes a better service could cost you a little more. Also Compare the service of the different agents you contact and ask them what they can offer to reduce costs. Do not buy only based on price, ask for references to friends and family about insurance companies that have given them good service and good prices. The Department of Insurance of the state where you live can tell you if the company you consider doing business has received complaints and in what proportion, compared to the amount of policies you sell. Find out the financial qualifications of companies that interest you through any of the independent rating agencies, such as consulting finance journals or the consumer. Select an agent or company whose representative takes the time to answer your questions, as this is the company you will have to deal with at the time an emergency or an accident arises.

Before buying your car, compare insurance costs. Make sure you find out how much it will cost to secure that car. Part of the cost of insurance premiums will be affected as a result of the type of car, the purchase price, the cost of repairing it, your overall safety performance and the chances of theft. Many insurances offer additional discounts to drivers who install security measures or whose cars have items that are already in the factory; For example, if they have air bags, they use lights during the day, they use devices that prevent or make the theft more difficult, they have safety and anti-lock brakes, etc. Some states in particular require the insurance or insurance company to give additional discounts to their customers for installing additional security measures in their car.º

Increase the deductibles. Deductibles represent the amount of money you will have to pay before you make an insurance claim. The higher the deductible, the cheaper the insurance. For example, if you increase your deductible from 300 to 600 dollars, you will reduce the annual insurance cost by 15% to 30%. A thousand dollar deductible can save you up to 40% on the insurance premium.
2. Reduce shock coverage and other risks in older cars. Consider abandoning or reducing various risk and shock coverage in old cars. It may not be advantageous to pay a policy to secure a vehicle that is worth ten times less than the insurance resets you. Any coverage benefit you receive will not cover the money you have paid on premiums and the deductible.

An accident occurs on average once in eleven or twelve years. A car dealership or your financier can tell you the value of your car. You can also see the estimated value of your car. Also remember to check your needs and amount of insurance coverage at least once a year.

Buy your car insurance from the same company that secures the house and ask for package discounts. You may also receive a discount if you have several vehicles under the same policy and some companies recognize loyalty by giving discounts to your older customers. Compare prices, many times you can find better deals without tying all cars to a single policy.
2. Take advantage of low mileage discounts. Some drivers who drive a few miles a year, under the annual standard, may receive additional discounts; Insurers can also offer discounts to those who agree with other people to manage the work.
3. Ask for group insurance. You may receive additional discounts if you receive insurance through your employer, as part of your work guild or through a group partnership such as alumni from a university or similar organizations. Ask your employer or the groups you belong to.

Maintain a good credit history. Your credit history may affect the price of insurance policies that you pay. While the use of credit history varies according to state laws and policies from one company to another, it is an assessment tool that allows the insurer to qualify candidates to secure them in a uniform and objective manner. In fact, drivers with long-established credit histories have fewer accidents than those with little credit history. You can use Internet services to get information on how to know and improve your credit history.
2. Request discounts for responsible drivers. Many insurers give special discounts for drivers who have not had accidents or traffic violations (speeding tickets, for example) for several years. You may also qualify for certain discounts if you have recently taken a driving course.

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Life insurance Health Insurance Tips.

Life insurance  Health Insurance Tips.

Regardless of the reason that has led you to hire a health insurance policy, it is important that values among the entire supply of products you have in the market, which best suits your needs.
In most countries there are several companies that offer health insurance, so we can compare and get the most suitable for us.
To save money, we can ask our usual insurance company first if you have this product. If you have it, you will probably get better price than if you hire it with another insurer because you are already a customer.

Do not leave either to ask your company if they have any agreement with an insurer for a collective service, or to your bank or savings box, in case your offer has any kind of promotion.

Health Insurance Modalities

Insurance without co-payment: You pay the premium as you agree with the company and nothing else. Every time you need it you go to a specialist in the medical (and only medical box) of the insurer in the typology and province of residence. Some companies charge you a dollar per visit so you are aware that everything has a cost and you do not go to the doctor without real need.
Insurance with co-payments: health insurance coverage is more limited, so outside of the most basic general medical or nursing services collected in the medical chart, pay for the benefit received. It is more economical and may be more interesting for people who have the insurance more by prevention than by necessity or who have a scarce medical picture in their province.
Insurance with reimbursement: it is the most expensive. With this insurance the medical chart is no longer necessary because the insured can go to any doctor or clinic who wants to be or not in the medical box of the company. The user pays for everything, but the insurer reimburses it within established limits. It is very interesting for international coverage or rare diseases.

Other important features

To be able to hire health insurance you have to prove that you do not have a disease that requires medical services immediately. Having healthy living habits helps pay less, but the important thing is not to lie, in case you get caught.

In any case, all health insurance has a period of cadence with which the backs are covered in case the insured requires the insurance services in the first weeks or months. As the customer gains in seniority, the company is opening services in the form of authorizations.

In this way, insurance companies are prevented from being discharged in health insurance only when they are detected a disease and are discounted when they are overcome. It is also more profitable to take out the insurance being younger because the progressive increase of the quotas will be lower than if we hire the insurance already with a certain age.

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¿How to secure a new car?

¿Cómo asegurar un auto nuevo?

• Coberturas como daños, robo o incendio son algunas de las coberturas indicadas para autos nuevos.
• Contratar un seguro de automóvil con franquicia evita que los propietarios de vehículos nuevos paguen primas altas.
Comprar un automóvil es una gran inversión y, por lo tanto, asegurarlo correctamente es muy importante, especialmente si se trata de uno nuevo. Además, todos los vehículos de motor deben tener una póliza de seguro que cubra al menos la responsabilidad civil para poder circular en las carreteras. Entonces, si es un auto que acaba de salir de la concesionaria, ¿cuándo debe contratar la póliza de seguro? ¿Y cuáles son las coberturas que deberían incluirse en el seguro de un auto nuevo?

¿Cuándo contratar el seguro?
La Ley de responsabilidad y seguro en el movimiento de vehículos automotores determina que todos los propietarios están obligados a suscribir y mantener un contrato de seguro vigente. Si está prohibido circular si no está disponible, en el caso de que se compre un automóvil en el concesionario, es necesario contar con dicha cobertura antes de salir del recinto. De lo contrario, si se produce un reclamo, el conductor debe lidiar con cualquier daño que ocurra, además de una penalización.

Transferencia de seguro de automóvil antiguo
Cuando se asegura un auto nuevo, existe la opción de transferir la póliza del vehículo anterior para no perder la prima pagada. Es decir, ya que para poder desbloquear un seguro es necesario avisar a la empresa con 2 meses de anticipación a la fecha de finalización del contrato, si esto no coincide con el de la compra del nuevo automóvil, le faltaría la parte de la prima no consumida Por lo tanto, las aseguradoras a menudo ofrecen la posibilidad de aplicar las coberturas contratadas adaptando la prima del seguro (debido al cambio en el valor del vehículo u otros factores). Sin embargo, al comprar un automóvil nuevo, 3 de cada 10 conductores optaron por cambiar de seguro al extender las garantías.

Contratando una nueva póliza de seguro
Otra opción es contratar un nuevo seguro de automóvil. De esta forma, puede elegir desde cero las coberturas que desea suscribir, adaptando su alcance a las necesidades reales del usuario. Esta es una decisión que se tomó previamente porque es necesario retirar el automóvil del concesionario con la póliza de seguro ya contratada. De lo contrario, existe la posibilidad de contratar una póliza de automóvil por días, que brinda protección por un período de 1 a 30 días.
Nivel de protección del vehículo
El mejor seguro para un auto viejo no es el mismo que para uno nuevo. Las aseguradoras adaptan la compensación al valor del vehículo en cuestión, y dado que cada año que pasa y que se da más uso está disminuyendo, sería lógico contratar más protección para los más nuevos, aunque es la decisión del ocupante. Esto también se debe a que la compañía es responsable de los costos de acuerdo con las coberturas contratadas y las condiciones (revalorización, veinl o venal mejorado).

Después de un siniestro de características similares, un automóvil nuevo podría ser reparado, mientras que uno de 10 años podría ser declarado siniestro total y su propietario recibiría una compensación de acuerdo con el valor, que puede ser bastante bajo. Por lo tanto, la modalidad de todos los riesgos se contrae, en la mayoría de los casos, para vehículos que tienen menos años.



Coberturas para un automóvil para emprender
La elección del seguro es importante, y entre las coberturas que pueden ser aconsejables contratar si acaba de comprar un vehículo se encuentran:
Daño propio
La cobertura de autolesiones, que incluye solo los seguros de todo riesgo, cubre los costos de reparación del vehículo cuando está bajo la responsabilidad del conductor por el accidente. Debido a que es un automóvil nuevo, su reparación puede ser más costosa y la pérdida total le daría al propietario una considerable indemnización. También se puede completar con otras garantías, como la Luna y el techo solar.
Robo
Con la garantía de robo, la aseguradora responde al usuario en caso de robo del automóvil, así como de sus accesorios o bienes que se encuentran dentro. De esta forma, el asegurado no tiene que hacer frente a la pérdida resultante del acto delictivo.
Explosión o fuego
La aseguradora compensa al asegurado si el vehículo se quema o explota. De esta forma, si es posible repararlo o no, el propietario ve el evento compensado.
Retiro de la tarjeta
Otra de las coberturas que puede ser interesante en el caso de comprar un automóvil nuevo es la retirada de la tarjeta, así como la defensa de multas porque el usuario no tendría que dejar de conducir su nueva adquisición.

El precio del seguro de automóvil nuevo
Al determinar la prima que un usuario debe pagar a cambio de tener un seguro de automóvil, se tienen en cuenta los factores relacionados con el conductor, la política en sí y el vehículo. Cuantas más coberturas contrates, más podría ser el costo de la protección, pero también, en el caso de un automóvil nuevo, y más si es de gama alta, el precio es más alto que el de aquellos que ya tienen algunos años, desde su acuerdo en caso de pérdida sería más cos Toso.

Contratar un seguro de automóvil
Cuando se trata de elegir qué seguro contratar, es necesario tener en cuenta las características del vehículo en sí. Techo solar, robo, asistencia en el camino o daños a la propiedad son algunas de las coberturas que puede incluir en la póliza de su automóvil si es nueva. La amplia gama de seguros y garantías disponibles en el mercado. 
Siga estos consejos para que pueda elegir el que más le interese a la hora de elegir su póliza de seguro.

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