Health Insurance

A couple months ago you were tooling on down the avenue, minding your own business, this fumbling, stumbling man by the name of Freddie Fuddle flew through a Stop Sign and plowed into you with a gigantic, rip-roaring, screeching broadside. You were wearing your seat belt but it was still a thundering crash that wrenched and whipped you around the inside of your motor vehicle something fierce!

Now, after a long recovery period, Fuddle’s carrier, state farm car insurance quote is clamoring to close the case and they’ve assigned Claims Adjuster I. M. Strong, to handle your case. You and Strong are sitting at your kitchen table talking about your settlement dollars. It turns out he got some hang-up regarding your lost income. Well, here are some things you crave to realize :

Lost wages are one of the most important element’s of your damages. Listen to me carefully when I say, “You should not think about the days you missed from work as Lost Time and Earnings. It’s not Lost Time and Earnings - - it’s Lost Earning Capacity?

You ask, that’s Lost Earning Capacity all about? I thought I could only collect for my Lost Income from American auto insurance. The answer to that is, many condition s you can claim lost income EVEN IF YOU HAVEN’T LOST ONE SINGLE PENNY. For example, this can happen when your salary is paid because you’ve elected to apply for the sick leave that due you, or because of an Accident and Health Policy available for you to take advantage of, or some other such arrangement.
In most instances - - even if you were paid while out of work - - you should still get that money routinely identified as Lost Wages. Why? Because that’s your Lost Earning Capacity. Your Lost Earning Capacity is what’s called a Compensatory Damage. Don’t let Strong swindle you out of that Compensatory Damage. Even if you’ve received an income, in some other way, you’re still entitled to it. Strong will do everything he can to take advantage of you, especially when it comes to getting paid for your Lost Earning Capacity. During the course of every settlement negotiation he gets involved in, he’ll try that tactic on for size, and it’s mind-boggling how many times he gets away with it.

TOTAL DISABILITY and/or PARTIAL DISABILITY: For every week of Total Disability (a fact which must be stated in your doctors Final Medical Report) you should use your gross weekly income - - even if you were paid! (For every week of Partial Disability your doctor states in that Final Medical Report, you have the right to claim a substantial percentage of your income, during that period, even if you didn’t lose any).

Because the following five points give value to your claim be ready to talk with Smart about and, wherever possible, prove:
(1) If your work demands heavy labor and/or lifting. (2) If you lost any vacation time or sick leave. (3) If there was any possible loss of money you could have earned in the future - - either with average car insurance rates or maybe other income you’ve got bubbling and boiling on the side. (4) If you had to forgo any bonuses. (5) If you lost an opportunity that would have led to a better job.

If any of the above five points are true than your claim is worth more money!

Everybody eagerly looks forward to their annual vacations. As our time off from work draws ever closer we might even start to tick off the days from our calendars, impatient for the day when we fly off to the sunshine.

Unfortunately many people head for their holiday destinations without giving hardly a thought to the need for insurance. This is particularly true for those who don’t arrange their holidays through a travel agent. Travel agencies will generally remind people of the need for holiday insurance but even when they do many people take out the cheapest policy possible which can often be inadequate for many circumstances.

Nobody expects that they will need medical assistance or be the victim of crime and this is what stops many from taking out adequate insurance cover. Nobody expects to have an accident, to need medical attention or that they will be the victim of crime. Its an unfortunate fact of life that emergencies do arise and when they occur abroad they can be incredibly expensive. Many don’t reallise that, if the worst was to happen, then the cost of being flown home in an air ambulance could run into thousands of pounds. For example the cost of returning home from the United States in an air ambulance would be between £35K and £45K and from the Canary Islands the cost could be between £12K and £16K.

Unfortunately, while nobody plans for disasters problems can occur and imagine that you had to pay the cost of an expensive air ambulance yourself?

I’ve never had to claim for medical expenses from my own holiday insurance, but I have, on two occsasions, had to claim for lost or stolen possessions. One time, while travelling in India, my rather expensive camera was somehow liberated from my baggage while on a train from Agra to Varanasi. And on another occasion my suitcase was completely lost by the airline when I flew to Italy.

These incidents highlight another key reason to make certain that you have adequate holiday insurance cover. Having your personal possessions stolen while on holiday is bad enough but it can be a lot worse if you don’t have adequate insurance cover.

When selecting an insurance policy you are advised to be certain that you read the exclusions from the policy. For example, did you know that most holiday insurance policies will not cover drink or drug related incidents?

When shopping for holiday insurance remember that cheaper policies will tend to have less cover. Before you sign up for the cheapest policy that comes your way always be sure to check that it provides adequate cover for all those potentially crippling expenses that can occur, particularly if medical help is needed.

There may be ways to save some money, perhaps by considering an annual, multi-trip policy or by using a group insurance policy. If there is one travel expense that should be absolutely essential it is the need for adequate holiday insurance cover.

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