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After all, if you think about it, this would be a natural 21st century extension to the age old idea of mutual insurance. Getting credit history, driving history and other background information to underwrite personal lines accounts is expensive. What if we could underwrite equally effectively by analyzing a person’s social media posts?It’s kind of a crazy idea, but that’s what SocialIntel. com is selling, and if it works, that could be a game changer for our industry. They aim to help carrier underwriters without using expensive data from the usual databases. Our guess is that it wouldn’t work too well for the over 40 crowd, but it probably works great on my generation who have a tendency of posting everything on social media.

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01.14.2007 | 34 Comments

Excess medical paymentsThis coverage pays for post collision medical care that you or your passengers may need that isn’t covered by primary medical insurance. If you receive medical care outside of your health carrier’s plan, you may be required to pay the initial $2,000 of medical expenses. Medical paymentsThis coverage pays for medical expenses if you or occupants in your car are injured in a collision, no matter who's at fault. Personal injury protectionIf you and your passengers are injured in an auto collision, this coverage pays for medical expenses and lost wages no matter who’s at fault. It also provides coverage if you or relatives who live with you are injured as a pedestrian. Property damage liabilityIf you or someone you insure is at fault in a collision that damages someone else’s property, such as a vehicle or building, this coverage pays for repairs and protects you from lawsuits. Uninsured collisionIf you don’t have collision coverage, this coverage pays for repairs to your car or the cash value of your car whichever is less up to $3,500 if it’s damaged by an uninsured motorist. Uninsured/underinsured motorist – bodily injuryThis coverage pays for bodily injury damages if you’re injured by an uninsured or underinsured driver and they’re at fault. Uninsured/underinsured motorist – property damageThis coverage pays for damage to your property that results from an accident caused by an uninsured or underinsured driver. A deductible may apply if the vehicle owner/driver cannot be identified or if the accident is a hit and run. Of course you can have your vehicle serviced at a repair facility of your choice.

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01.14.2007 | 16 Comments

When using a small insurance company for your auto insurance, you’ll likely communicate exclusively with one insurance agent. While you generally lose a personal connection when selecting a large national insurance company, the large auto insurance companies tend to have more financial stability. In fact, the top insurance companies in the country underwrite and pay out billions of dollars per year. Additionally, the large insurance companies are able to leverage their resources to offer drivers lower insurance rates. Another consideration when choosing between a large and small auto insurance company is availability, coverage options and discounts. While you’re likely to have a better experience with a small insurance company, it may not have the availability, benefits and discounts that large insurance companies do.