¿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.

Read more ...

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.

Read more ...

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.

Read more ...