Insurance Policy – Car Insurance In Memphis http://carinsuranceinmemphis.net/ Fri, 17 Sep 2021 09:44:17 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://carinsuranceinmemphis.net/wp-content/uploads/2021/06/icon-1.png Insurance Policy – Car Insurance In Memphis http://carinsuranceinmemphis.net/ 32 32 Dentists Solve Uninsured Problems By Offering Patients With Enrollment Plans https://carinsuranceinmemphis.net/dentists-solve-uninsured-problems-by-offering-patients-with-enrollment-plans/ https://carinsuranceinmemphis.net/dentists-solve-uninsured-problems-by-offering-patients-with-enrollment-plans/#respond Fri, 17 Sep 2021 09:00:00 +0000 https://carinsuranceinmemphis.net/dentists-solve-uninsured-problems-by-offering-patients-with-enrollment-plans/ Nevada dentist David White has seen diseased, rotten teeth in the mouths of patients who routinely postponed exams and avoided minor procedures such as fillings. While dental phobia is a factor, White said, the main reason people avoid treatment is cost. To help patients who don’t have dental insurance, White began in 2019 to offer […]]]>

Nevada dentist David White has seen diseased, rotten teeth in the mouths of patients who routinely postponed exams and avoided minor procedures such as fillings. While dental phobia is a factor, White said, the main reason people avoid treatment is cost.

To help patients who don’t have dental insurance, White began in 2019 to offer a membership plan that looks a lot like an insurance policy, except it’s only valid at its Reno office. and Elko. Adults pay $ 29 per month – or $ 348 per year – and receive two free exams, two cleanings, x-rays and an emergency exam, services worth $ 492. They also get a 20% discount on office procedures such as fillings and extractions.

About 250 of White’s patients have signed up, and that has led to many going more frequently for routine checkups and getting needed treatments, he said. “It pushes patients toward better oral health,” White said.

It is among the quarter of dentists nationwide offering memberships, according to a 2021 survey of 70,000 dentists by the American Dental Association.

These in-office plans are largely aimed at the 65 million Americans who do not have dental insurance and have to pay for all of their care out of pocket. Dentists also prefer plans over managing insurance plans because they do not have to deal with sharply reduced reimbursement rates from insurers, wait for prior approvals to provide services, and delay payment of their services. complaints.

Lack of dental coverage contributes to the postponement or abandonment of dental care by 1 in 4 adults, according to a KFF analysis of a 2019 national survey.

Kleer, a Wayne, Pa., Company established in 2018, has helped more than 5,000 dentists implement the offerings. “Enrollment patients act like insured patients and enter as much as insured patients, but they pay less for coverage while dentists get paid more,” said CEO Dave Monahan. “All we do is cut out the middlemen,” he said.

Monahan said business has skyrocketed during the covid-19 pandemic as more dentists, facing higher costs for personal protective equipment and more patients without professional coverage, have seen the need for such plans.

Anthony Wright, executive director of consumer health advocacy group Access California, said he was skeptical of the value of individual dental insurance, but said patients should also be careful about a plan. dental membership because they are generally not supervised by the states. “People should be aware that this is a generally unregulated area, so the buyer should be wary,” he said.

Before subscribing to a membership plan, consumers should ask what the dentist charges for the procedures so that they know not only the discount but also the actual cost out of pocket. In some cases, membership plans are a viable option.

“If you go with an established practice and the costs are reasonable and within your budget, it may make sense,” to sign up, he said.

Vanessa Bernal, director of the Winter Garden Smiles office in central Florida, said many freelance and small-business patients have signed up to the firm’s membership plan.

“They don’t have employer coverage, and if they were going to buy it themselves, they would face a waiting period, as our discounts start immediately,” she said.

Winter Garden Smiles has enrolled more than 370 patients in its plan, which costs $ 245 per year for children and $ 285 for adults. The office has abandoned three small insurance networks since launching its own plan.

Many of the plans offered across the country are very similar to dental insurance. Patients typically pay between $ 300 and $ 400 per year at the dental office. In return, they receive certain preventive services and other procedures free of charge.

But membership plans don’t have the annual deductibles or waiting periods that can make individually purchased dental insurance unattractive. Another deterrent to traditional insurance plans is their maximum benefit limits, typically $ 1,200 to $ 1,500 per year. In comparison, patients with memberships can use the discounts for unlimited treatment.

About half of Americans have dental coverage in the workplace. These policies are generally the best buy for those who benefit from them. But Medicare doesn’t provide dental coverage, and most state Medicaid programs don’t cover adult dental coverage.

But for patients without an employment-based plan, purchasing an independent dental policy is expensive, and unlike purchasing health insurance, it is not clear whether the benefits outweigh the benefits. costs. This is because dental costs are not as financially catastrophic as hospital bills, which can run into the tens of thousands of dollars.

Annual dental insurance premiums generally range from $ 400 to $ 700. Most plans cover all costs for preventative services, such as cleanings. For minor procedures, like fillings, plans typically pay 70-80%. For major procedures, such as crowns, plans often pay around 50% of the cost, which is even more than what membership plans cover. Insurance plans, however, have often negotiated prices with dentists, so the liability of plan members is also reduced.

Melissa Burroughs, who leads an oral health for all campaign for the Families USA advocacy group, said dental membership plans may help some people, but they don’t solve the problems of high dental costs and insurers. treat tooth coverage differently. than for the rest of the body. “I don’t think these plans are the answer, and they certainly don’t meet the standard for making care truly affordable for many people,” she said.

Megan Lohman, CEO of Plan Forward, an Indianapolis company that helps set up membership plans, said many insurers had not increased reimbursement rates in years, encouraging dentists to come forward. own plans. “We’re not seeing dental insurance go away, but patients and dentists just needed an alternative,” she said.

Patients say they appreciate that services through memberships are cheaper than when they pay strictly out of pocket, and prepayment for services motivates them to seek preventative services.

“The membership plan keeps me on track because it’s almost like I have a down payment on my care,” said Christina Campbell, 29, of Hamden, Connecticut. She had dental coverage under her mother’s policy until she was 26, then started shopping for her own coverage.

When her dentist, Kevin D’Andrea, mentioned her plan, she decided it looked too good to pass up. With the membership, she said, she’s back for semi-annual checkups and cleanings, and she no longer hesitates when it’s time for x-rays. Campbell, who runs a winery, pays $ 38 a month.

Holly Wyss, 59, of Greenwood, Indiana, found dental insurance too expensive, so she signed up for a $ 300 per year membership plan through her dentist, David Wolf. The discounts saved her several hundred dollars on two crowns, she said. “For me, it’s a no-brainer,” said Wyss, a nurse practitioner. “It has been a godsend for me because everything I pay is out of my pocket. “

Among the groups without dental insurance that have recently gained attention are those covered by traditional health insurance. However, many private Medicare Advantage plans offer dental benefits. These plans provide coverage only in certain dental offices, have a premium, and often only cover a small portion of patient costs. The average coverage limit is $ 1,300, and more than half of enrollees are in plans with a $ 1,000 limit on benefits, according to a KFF report.

President Joe Biden and Congressional Democrats have proposed adding a dental benefit to Medicare, along with other health care initiatives, as part of a $ 3.5 trillion human infrastructure plan that lawmakers are seeking to pass this fall. The bill released by the House Ways and Means Committee this month would still let beneficiaries pay 20% of the costs of preventive services such as exams and between 50% and 90% of the costs for some procedures. And the law, if passed, could take five years or more to implement.

The need among older Americans is great.

Almost half of Medicare beneficiaries, or 24 million people, did not have dental coverage in 2019, according to KFF. In 2018, nearly half of all Medicare beneficiaries had not seen a dentist in the previous year (47%), with higher rates among African Americans (68%) and Hispanics ( 61%).

D’Andrea, the dentist in Hamden, Connecticut, said the membership plan he launched in 2020 is building patient loyalty. “Patients know in advance what their personal expenses are and they don’t have to wait and see what their insurance will cover,” he said. “It’s like a game that insurers play, keeping us on hold for an hour to get pre-approvals. We pull enough teeth in the office, and it’s the same with pulling information out of them.

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Does home insurance cover flooded basements? https://carinsuranceinmemphis.net/does-home-insurance-cover-flooded-basements/ https://carinsuranceinmemphis.net/does-home-insurance-cover-flooded-basements/#respond Thu, 16 Sep 2021 20:59:13 +0000 https://carinsuranceinmemphis.net/does-home-insurance-cover-flooded-basements/ A flooded basement is covered by home insurance if the damage is caused by a burst pipe or other hazard named in your policy. However, damage that occurs due to lack of proper maintenance is not covered. If the water is coming from flooding, sewer backups, or underground seepage, you need flood insurance or separate […]]]>
  • A flooded basement is covered by home insurance if the damage is caused by a burst pipe or other hazard named in your policy.
  • However, damage that occurs due to lack of proper maintenance is not covered.
  • If the water is coming from flooding, sewer backups, or underground seepage, you need flood insurance or separate sewer backup coverage.
  • Check out the insider’s guide to the best home insurance companies.

Storms can cause damage to your home, and due to climate change, we are seeing storms happening more frequently. If your basement is flooded, home insurance covers you, but that depends on how the water got into your basement.

Does home insurance cover a flooded basement?

Home insurance protects your home and personal property from damage and provides liability coverage. A flooded basement is covered if it results from a covered event, called insurance risk.

An insurance risk is an event that can damage your home or property, such as theft, fire, or storm. The type of risk coverage you have depends on the type of home insurance you have purchased.

Standard home insurance generally covers the following risks:

  • Fire or lightning
  • Windstorm or hail
  • Explosion
  • Riots
  • Airplane
  • Vehicles
  • Smoke
  • Vandalism
  • Flight
  • Falling objects
  • Weight of ice, snow or sleet
  • Accidental spill or overflow of water or steam
  • Sudden and accidental tearing, cracking, burning or swelling
  • Frozen
  • Sudden and accidental damage due to short circuit
  • Volcanic eruption

When a flooded basement is not covered

Damage resulting from improper maintenance is not covered. Floods, earthquakes, government foreclosures, mudslides, updated ordinances, sewer backups and sinkholes are dangers that not be covered by home insurance. These will require additional coverage using a supplemental insurance policy or separate insurance.

Flood damage is not covered by standard home insurance and requires separate flood insurance. Standard home insurance does not cover water damage caused by backflow or sewer lines, but it is available as an add-on endorsement. You should check with your insurer to see if additional coverage is available for back pressure and sewer lines.

Flood insurance is a supplement to your home insurance policy that can cover flood damage. A flood is defined as the entry of surface water into the interior of your home’s structure through existing openings above ground level.

Flood insurance specifically excludes water damage from sump pumps, sewage, broken pipes, rain from an open window, and rain from windstorms, said to Insider Ralph Blust, CEO of National Flood Services.

* Available as an extended service line or sewer backup coverage if not part of the policy

** Flood insurance is available from the NFIP and approved insurers

What about mold?

If mold damage is the result of water damage caused by a covered risk, such as a burst pipe, wind, or a hailstorm, it may be covered by standard home insurance. If mold is not related to a hazard, most home insurance companies will deny mold damage coverage.

If your home has mold from a flood or a sewer backup, you will not be covered unless you have purchased separate flood insurance or have purchased a rider. service line that covers sewer lines.

How to make a claim if your basement is flooded

If your basement is flooded, follow these steps to report and file a claim.

  1. Take pictures of damaged property and what caused the damage (fire, storm, etc.).
  2. Contact your home insurance company. Failure to timely notify your insurance provider may result in denial of the claim.
  3. If the damage is caused by a flood, earthquake, or landslide for which you have separate coverage, contact that insurance provider.


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Furniture Co. COVID-19 cover suit shards https://carinsuranceinmemphis.net/furniture-co-covid-19-cover-suit-shards/ https://carinsuranceinmemphis.net/furniture-co-covid-19-cover-suit-shards/#respond Tue, 14 Sep 2021 21:39:00 +0000 https://carinsuranceinmemphis.net/furniture-co-covid-19-cover-suit-shards/ By Melissa Angell (September 14, 2021, 5:39 p.m. EDT) – A New York federal judge on Monday dismissed a furniture installation company’s lawsuit against its insurer for coverage for business interruption losses related to the pandemic, believing that the company had not suffered direct physical loss or damage from the coronavirus. U.S. District Judge Lewis […]]]>
By Melissa Angell (September 14, 2021, 5:39 p.m. EDT) – A New York federal judge on Monday dismissed a furniture installation company’s lawsuit against its insurer for coverage for business interruption losses related to the pandemic, believing that the company had not suffered direct physical loss or damage from the coronavirus.

U.S. District Judge Lewis J. Liman ruled in his 21-page ruling that the shutdown of his business by Elite Union Installations following state-mandated shutdown orders does not entitle the installation company from furniture to National Fire Insurance Co. of Hartford insurance coverage. .

Even though Elite Union Installations sufficiently argued for coverage under a policy provision, the judge noted …

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Gap Insurance in New York https://carinsuranceinmemphis.net/gap-insurance-in-new-york/ https://carinsuranceinmemphis.net/gap-insurance-in-new-york/#respond Fri, 10 Sep 2021 20:19:41 +0000 https://carinsuranceinmemphis.net/gap-insurance-in-new-york/ When you buy a new car, your lender or dealer may ask you to purchase gap coverage. You may even have the option to purchase it immediately at that time. However, it never hurts to research what you’re buying, shop around, and compare insurance quotes. What is gap insurance? Meaning “guaranteed asset protection,” spread insurance […]]]>

When you buy a new car, your lender or dealer may ask you to purchase gap coverage. You may even have the option to purchase it immediately at that time. However, it never hurts to research what you’re buying, shop around, and compare insurance quotes.

What is gap insurance?

Meaning “guaranteed asset protection,” spread insurance pays the difference between what you receive after a total loss payment and how much you still owe on a loan. When you rent a new car, the amount your insurer covers (provided you’re properly insured) is often less than you might owe. This is because lenders only pay the actual cash value of a car (aka ACV). So that you don’t pay for something you no longer own (or make payments on two cars after replacing it), gap insurance is used to further protect your investment.

How does gap insurance work in New York?

You can only purchase New York Gap Insurance if:

It’s not uncommon for new car buyers to assume that having a loan or lease on a vehicle is the only prerequisite for getting gap coverage. However, the car must meet other criteria as well.

Another misconception is that gap coverage is the same as “new car replacement”. This is not true either. Spread coverage only pays the difference between the depreciated value (or ACV) of a car and the amount of your loan remaining. It will not give you the funds you need for a new purchase. That’s not to say that gap insurance still can’t help. By not having as much debt in your name, you will have a better chance of being approved for a new loan.

When do you use gap insurance?

Gap insurance in New York only activates if the car is considered a total loss and impossible to drive. This means that for small dents and scratches, gap insurance is not considered. The vehicle must be either stolen or totaled for the gap insurance to pay the remaining amount of your loan.

Consider the following examples.

Example 1:
You financed a $ 25,000 car a month ago. After a severe storm, you wake up to find that a fallen tree has crushed it. Because it is demolished beyond repair, it is considered a total loss by your insurance provider. Your full coverage plan gives you a payment of $ 20,000, which means you still owe around $ 5,000. By having gap insurance in this scenario, the unpaid $ 5,000 is also taken care of.

Example 2:
You recently financed the purchase of a $ 25,000 car. Because you didn’t pay for the vehicle up front, your lender has asked you to purchase both full coverage and gap coverage. After parking on the side of the street, an oncoming car knocks over an exterior mirror and scratches the door a bit. You contact your insurance company, who informs you that you are covered because you have collision coverage. However, you decide you want more than the repair amount and instead find the full $ 25,000 to start over. Gap insurance would not apply in this scenario because the car is still roadworthy.

Gap insurance vs other coverages

With so many types of coverage available, spread insurance is similar to other types of insurance in that it activates after the occurrence of a covered risk. It is unique, however, in that it requires the purchase of full coverage and collision coverage before it can take effect. Gap insurance also does not pay for repairs. It only starts if the car is totaled or stolen.

The table below explains how the gap insurance compares to both full coverage and collision coverage:

Gap insurance Full Collision
What it covers Protects you financially if your car is considered a total loss after a covered risk.

DOES NOT pay for repairs or replacement. Pay only the difference between an ACV and the remaining loan amount.

Pay for repairs or replacement if your car is damaged outside of a collision or after an animal, such as a deer.

Incidents such as fires, falling tree branches or flooding are all covered by a comprehensive plan.

DOES NOT pay for any difference between an ACV payment and the remaining loan amount.

Pay for repairs or replacement after your car is damaged in a moving accident.

Incidents such as hitting another vehicle or hitting a tree or a fence are covered by collision coverage.

DOES NOT pay for any difference between an ACV payment and the remaining loan amount.

Who offers it Many insurance companies offer gap coverage, but they may instead call it loan / lease coverage.

It is also possible to buy it from a car dealership.

Full coverage can be purchased from most insurers. Collision coverage can be purchased from most insurers.

Where to buy gap insurance in New York?

Gap insurance is not offered as part of a typical insurance package. It must be added to an existing policy or purchased separately. Many gap insurance providers offer it as a supplement, but some do not. While you research it, remember that gap insurance companies also call it loan / lease coverage. However, the blanket works the same under either name.

Purchasing gap insurance is also possible from most dealerships. However, when you do this, it is often put on the loan itself, which means you will be paying interest on it. Unless it’s offered as a stand-alone option, which means you only pay up front, purchasing gap insurance through a dealer isn’t always your best. option.

Gap insurance companies in New York

If you are wondering where to buy gap insurance in New York, there are many options. Some of the more popular providers include:

  • Allstate – Allstate is the fourth largest insurer in the United States. Including spread coverage, Allstate offers additional coverage options as well as 10 discounts that most drivers can take advantage of now or in the future.
  • Mutual Freedom – If you have multiple coverage needs, Liberty Mutual has multiple options. It also offers a good amount of discounts.
  • At national scale – Nationwide is often one of the cheapest suppliers for many drivers and tends to perform well with JD Power for customer satisfaction. If you are already with Nationwide, consider speaking to an agent about adding gap insurance to your policy. Adding coverage may not increase your premium too much.
  • Progressive – Progressive sells just about any type of insurance you could possibly need, including spread coverage. Like many insurers, he calls it loan / lease coverage instead of gap coverage.
  • Travelers – Travelers may be one of the more expensive options on this list, but it’s still a popular supplier. It usually does well in annual customer satisfaction reports from third-party companies like JD Power.

Frequently Asked Questions

How much does gap insurance cost?

There is no fixed cost for gap insurance because many factors affect the cost of gap insurance. The main factor, of course, is the amount of your loan compared to the ACV of the car.

Is gap insurance mandatory in New York?

New York State law does not require you to purchase gap insurance. However, if you are financing or leasing your new car, your lender or dealer will likely ask you to get it.

How to cancel the gap insurance?

You can probably cancel your gap insurance online, but if not, you can always call and speak to an agent. If you’ve prepaid, you can usually expect a refund to your bank account after the cancellation is processed.


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List of the best hackers from cyber insurance carriers https://carinsuranceinmemphis.net/list-of-the-best-hackers-from-cyber-insurance-carriers/ https://carinsuranceinmemphis.net/list-of-the-best-hackers-from-cyber-insurance-carriers/#respond Tue, 07 Sep 2021 21:19:00 +0000 https://carinsuranceinmemphis.net/list-of-the-best-hackers-from-cyber-insurance-carriers/ Law360 (September 7, 2021, 5:19 p.m. EDT) – Insurers offering coverage for cyber attacks have themselves been victims of cybercrime in recent months, fueling fears that hackers could steal and threaten to disclose details of cyber policies, affecting insurers and policyholders alike. The recent cyberattacks against insurance giants CNA Financial Corp. and AXA illustrated how […]]]>
Law360 (September 7, 2021, 5:19 p.m. EDT) – Insurers offering coverage for cyber attacks have themselves been victims of cybercrime in recent months, fueling fears that hackers could steal and threaten to disclose details of cyber policies, affecting insurers and policyholders alike.

The recent cyberattacks against insurance giants CNA Financial Corp. and AXA illustrated how insurers, despite their expertise in attack risk pricing, are not immune to digital intrusions that could put key information at risk.

Cyber ​​security and legal experts told Law360 that ransomware criminals are increasingly attacking these insurance organizations, which hold a potential treasure trove of sensitive data, including details about customers’ cyber insurance and …

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Does liability insurance cover hitting a deer? https://carinsuranceinmemphis.net/does-liability-insurance-cover-hitting-a-deer/ https://carinsuranceinmemphis.net/does-liability-insurance-cover-hitting-a-deer/#respond Fri, 03 Sep 2021 20:59:18 +0000 https://carinsuranceinmemphis.net/does-liability-insurance-cover-hitting-a-deer/ If you only have liability insurance, this coverage does not cover hitting a deer. Each coverage of your auto insurance pays for different types of claims. Having the right coverage in place means you may be able to get your car repaired if it is damaged after a deer collision. Liability insurance and hitting a […]]]>

If you only have liability insurance, this coverage does not cover hitting a deer. Each coverage of your auto insurance pays for different types of claims. Having the right coverage in place means you may be able to get your car repaired if it is damaged after a deer collision.

Liability insurance and hitting a deer

Liability insurance does not cover hitting a deer. Liability insurance covers bodily injury and material damage that you cause to one or more people in an accident. Because liability insurance pays for the other party, each state requires either minimum liability limits or proof that you can take financial responsibility for the damages you cause.

What type of insurance covers hitting a deer?

If you want auto insurance that covers a deer, you need to have comprehensive coverage. Comprehensive insurance is one of the two physical damage coverage options that you can include in your auto insurance policy.

Hitting a deer or other animal isn’t the only full coverage claim you can make. Comprehensive insurance also covers:

  • Broken windows and windshields
  • Falling objects
  • Fire damage
  • Flood damage
  • Theft Auto
  • Vandalism
  • Weather events

When purchasing full coverage, consider the amount of the deductible. The more you increase the deductible, the lower your premium tends to be. If you decide to choose a higher deductible, make sure that you can pay the deductible amount when you file a car insurance claim.

Comprehensive coverage vs collision coverage

The other type of physical damage coverage that you can include in your auto insurance policy is collision coverage. If you have collision insurance, it will cover damage to your car if you collide with another object or someone’s property. Like full coverage, a deductible applies to collision coverage, so keep the deductible amount in mind if you need to file a collision claim.

Since collision insurance only applies when you collide with an object or property, it will not cover a deer accident. If you want the highest physical damage protection your auto insurance offers, consider purchasing comprehensive and collision insurance to protect your finances and your vehicle.

What happens if I swerve to avoid a deer?

If you swerve to avoid hitting a deer and hit someone’s property or object instead, you could end up filing a collision claim instead of a full claim. A collision claim can cause you to lose good driving discounts and may include a surcharge on your policy. Bulk claims usually don’t come with a premium, although your insurance rates may be affected by your recent claims history when your policy is renewed.

Will hitting a deer increase my insurance rates?

If you file a claim for hitting a deer, it can potentially increase your insurance premiums. Any claim you file under your insurance policy can affect the rate you pay for auto insurance. The insurance company you are insured with, your driving record and claim history and other factors are used to determine the price of your auto insurance on each renewal or when shopping for a new carrier. While a blanket claim typically doesn’t increase insurance rates as much as a collision claim, you might see an increase the next time you renew if you file a deer accident claim.

Frequently Asked Questions

Do I have to file a police report if I hit a deer?

It is a good idea to file a police report with any accident, including if you hit a deer, especially if there are injuries. Police can also help get deer off the road, which can help prevent another accident. If you are unsure whether to file a police report after an accident, you can call the non-emergency police phone number for assistance. Before getting out of the car to assess damage from a deer accident, first move your car to a safe location.

How much is your deductible if you hit a deer?

If you hit a deer and need to file a claim, the amount you pay is determined by your overall deductible amount. For example, if the deer causes $ 2,000 in damage to your car and you have a full deductible of $ 500, you are responsible for $ 500 and your insurance company will pay the remaining $ 1,500 to repair your car. If hitting the deer totals your car, the insurance company will pay you the book value less your deductible amount.

What to do when you hit a deer and it is still alive?

If you run into a deer and it is still alive, you must first stop the car and assess everyone inside for injuries. Move the vehicle off the road to a safe location and call 911 or State Patrol. If the deer is still alive, keep your distance and notify authorities of your location and if the deer is on the roadway. If an ambulance is needed for you or someone else in your vehicle, ask for help when calling the police about hitting the deer.

When to look for a deer to avoid an accident?

You can strike a deer at any time of the year, so it is best to always be vigilant to avoid an accident. However, deer accidents most often occur between October and December, with the greatest number occurring in November, which is the peak mating season for deer. You are most likely to be involved in a deer accident while driving at dusk and dawn.


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The Cowboys’ insurance policy for QB Dak Prescott is weak. Keep busy, Jones. https://carinsuranceinmemphis.net/the-cowboys-insurance-policy-for-qb-dak-prescott-is-weak-keep-busy-jones/ https://carinsuranceinmemphis.net/the-cowboys-insurance-policy-for-qb-dak-prescott-is-weak-keep-busy-jones/#respond Wed, 01 Sep 2021 00:07:23 +0000 https://carinsuranceinmemphis.net/the-cowboys-insurance-policy-for-qb-dak-prescott-is-weak-keep-busy-jones/ Cooper Rush won the Cowboys quarterback over Garrett Gilbert and Ben “Uncle Rico” DiNucci, whose unwavering confidence that he could throw him over that mountain over there was, indeed, impressive. Also unjustified. As our David Moore said, Rush didn’t win this competition, he survived it. Not good enough when the NFC East is ripe for […]]]>

Cooper Rush won the Cowboys quarterback over Garrett Gilbert and Ben “Uncle Rico” DiNucci, whose unwavering confidence that he could throw him over that mountain over there was, indeed, impressive. Also unjustified. As our David Moore said, Rush didn’t win this competition, he survived it. Not good enough when the NFC East is ripe for picking.

Not when your $ 160 million quarterback hasn’t played a down in 10 months and is coming out of not one but two injuries.

The Cowboys need a better insurance policy than the one they bundled together. Or missed.

Cam Newton, anyone? Nick Foles could also be available. The Cowboys have previously missed Gardner Minshew, who went to the Eagles for a conditional sixth round pick. Minshew’s mustache is worth a sixth. He was pretty good for the pretty awful Jacksonville teams and now offers an alternative to Philadelphia, and not just if Jalen Hurts gets injured either.

The Joneses missed an opportunity. They cannot take a nap during the next one.

Normally, your fearless reporter wouldn’t do much to find another backup quarterback. This is what fans love to worry about. What many don’t seem to realize is that there aren’t enough decent quarterbacks to go around the rookies, let alone the substitutes. A story as rich as Foles coming off the bench to lead his team to a Lombardi Trophy is a fairy tale. Even now I’m not sure he actually did, considering he’s been 2-9 as a starter since.

What Foles has shown is that, while he’s not really a starter, he’s a formidable reliever.

And until we get a better idea of ​​where Dak is, the Cowboys could probably use one.

Consider a little history: During his hectic ownership, Jerry Jones has scoured the map with saves. It got big (Vinny Testaverde, Andy Dalton, Kyle Orton) and cheap (pretty much everyone). He doesn’t like spending money on someone who will do nothing but enjoy the view from the sidelines.

That’s what made it interesting that he signed Dalton last year. There was no reason to think it was necessary. Dak had been the league’s toughest quarterback, at least until a particularly gruesome injury in October.

Pressed to serve with Dak’s season ending, Dalton was not that great, as his 4-5 record will attest. But he wasn’t that great either. Considering he had to fight COVID and a concussion and fallout from a historically poor defense, he did about as well as one might expect.

If Dalton had remained healthy and the defense hadn’t been so bad, the Cowboys would have been a playoff team. You can argue that it wouldn’t have meant much. They would’ve been a quick exit, and they wouldn’t have had Micah Parsons, who is now emerging as the biggest star in Dan Quinn’s re-upholstered defense.

But let’s say Dak wouldn’t have suffered an end-of-season injury. Maybe just four or five games. In most cases, this is all you can expect from a backup. Dalton might have been good enough to keep the Cowboys in the middle lane until Dak came back.

The Cowboys’ current situation is based on two miscalculations: They believed Dak would be fully recovered, and they believed Gilbert’s debut against Pittsburgh last season was proof that he was good enough.

Frankly, I thought Gilbert would have been an adequate backup as well. But his play in fake games has proven otherwise. That’s the thing about the preseason. There is more to it than just loosening the swing tackle.

Everyone needs a few reps before the regular season. Even the GOAT. Tom Brady played a few playoffs last weekend. Patrick Mahomes too. When asked to Kevin Stefanski why Baker Mayfield started against the Falcons the other night, the reigning Coach of the Year basically said it’s important to take care of the little things because they happen. add up.

Dak needed a couple of series against Jacksonville to get rid of the dust, at the very least. Instead, he’ll go cold in the opener against the reigning world champions.

Maybe we are doing too much. Maybe Dak has fully recovered from his ankle and shoulder injuries. But, if so, why didn’t he play a down during the preseason? Are the Cowboys Too Cautious? Or is there something they don’t tell us?

Whatever the situation, they need a backup that could lift them a bit with so many questions about Dak and so much going on online. Is Cam Newton the answer? Granted, he hasn’t done much since leading a team to the Super Bowl, and you can certainly question his judgment. Because he’s not vaccinated, he would have to jump through hoops just to get into The Star next week. Still, I’d bet that if he got into a group of Cowboys, his new teammates would be happy to follow him out.

Of course, Cam might not want a backup job, and that’s why he’s no longer playing for Bill Belichick. What would the Bears want for Foles then? Call the Raiders about Marcus Mariota. Keep busy, Jones. Nap time is over.

FILE - New England Patriots quarterback Cam Newton celebrates his touchdown pass to Devin Asiasi in the second half of an NFL football game against the New York Jets, in this photo by archive of Sunday January 3, 2021, in Foxborough, Mass.
Dallas Cowboys owner Jerry Jones (left) and head coach Mike McCarthy visit on the sidelines as the rookies walk through the minicamp at The Star in Frisco, Texas on Friday, May 14, 2021.

Find more Dallas Morning News Cowboys coverage here.


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Barber Shop Franchise COVID-19 Cover Suit Cut Out https://carinsuranceinmemphis.net/barber-shop-franchise-covid-19-cover-suit-cut-out/ https://carinsuranceinmemphis.net/barber-shop-franchise-covid-19-cover-suit-cut-out/#respond Sat, 28 Aug 2021 00:23:00 +0000 https://carinsuranceinmemphis.net/barber-shop-franchise-covid-19-cover-suit-cut-out/ Law360 (Aug 27, 2021, 8:23 p.m. EDT) – The owner of 20 Great Clips franchised hair salons in Missouri and Illinois could not show that his decision to close the salons in response to the COVID pandemic 19 constitutes a “direct physical loss” of its property under its commercial insurance policy, a Missouri federal judge […]]]>
Law360 (Aug 27, 2021, 8:23 p.m. EDT) – The owner of 20 Great Clips franchised hair salons in Missouri and Illinois could not show that his decision to close the salons in response to the COVID pandemic 19 constitutes a “direct physical loss” of its property under its commercial insurance policy, a Missouri federal judge ruled.

Dismissing Gateway Clippers Holdings LLC’s lawsuit seeking coverage for pandemic-related business losses from West Bend Mutual Insurance Co., U.S. District Judge Henry Edward Autrey has followed in the footsteps of “many courts before him” in his interpretation of politics, stating on Thursday that nothing physical happened at the salons, and there was only one …

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Leadway Assurance unveils its auto insurance policy https://carinsuranceinmemphis.net/leadway-assurance-unveils-its-auto-insurance-policy/ https://carinsuranceinmemphis.net/leadway-assurance-unveils-its-auto-insurance-policy/#respond Tue, 24 Aug 2021 23:09:52 +0000 https://carinsuranceinmemphis.net/leadway-assurance-unveils-its-auto-insurance-policy/ Leadway Assurance Company Limited, unveiled a process that enables customers to obtain the company’s full auto insurance policy in a short period of time. The company said that with the new solution, a customer could complete the process of purchasing the company’s full auto insurance policy in two minutes. Speaking about the new solution, Umashime […]]]>

Leadway Assurance Company Limited, unveiled a process that enables customers to obtain the company’s full auto insurance policy in a short period of time.

The company said that with the new solution, a customer could complete the process of purchasing the company’s full auto insurance policy in two minutes.

Speaking about the new solution, Umashime Oguzor-Doghro, General Retail Insurance Manager, Leadway, said, “This solution provides vehicle owners with a quick end-to-end process to purchase comprehensive auto insurance. , all in 120 seconds.

“The new platform offers risk refund guarantees while meeting the country’s legal requirements for vehicle insurance and vehicle owners.”

Oguzor-Doghro noted that the unveiling of the disruptive process not only aligns with the brand’s continued drive to deepen insurance penetration in Nigeria, but also provides customers with convenient access to a critical mitigation tool. risks.

“This strategic solution provides a win-win solution for critical stakeholders in the insurance space – the public, the insurance industry and the country as a whole,” she said.

According to her, the service is convenient for vehicle owners, leads to increased adoption of insurance products and encourages compliance with the legal requirement of auto insurance as mandatory in the country.

Also speaking, Adeyinka Aderombi, Head of Digital Transformation at Leadway Assurance, said that by understanding the criticality, the limited availability of time and its impact on the quality of our well-being, especially in the modern world and Fast-paced today, it has become imperative for service providers to incorporate time-saving tools that contribute convenience, speed and ease as a unique selling proposition into product offerings and Services.

He added that at Leadway Insurance, management believes not only in providing clients with innovative solutions to risks, but also in removing any possible obstacles that could disrupt the ease of access for clients.

He said that Leadway Comprehensive Auto Insurance provides the policyholder with an affordable premium, the most comprehensive coverage against fire, theft, third party property and vehicle damage to the insured vehicle, as well as than coverage against bodily injury and even death.

According to him, the additional benefits include up to N 1,000,000 of cover for accidental damage to the insured vehicle or property, a limit of N 1,000,000 for total or permanent disability of the insured and a limit of 100 000 N in the event of hospitalization. or serious injury.


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Kessler Topaz Meltzer & Check, LLP Reminds Investors of Securities Fraud Class Action Against James River Group Holdings, Ltd. – JRVR https://carinsuranceinmemphis.net/kessler-topaz-meltzer-check-llp-reminds-investors-of-securities-fraud-class-action-against-james-river-group-holdings-ltd-jrvr/ https://carinsuranceinmemphis.net/kessler-topaz-meltzer-check-llp-reminds-investors-of-securities-fraud-class-action-against-james-river-group-holdings-ltd-jrvr/#respond Sun, 22 Aug 2021 14:22:00 +0000 https://carinsuranceinmemphis.net/kessler-topaz-meltzer-check-llp-reminds-investors-of-securities-fraud-class-action-against-james-river-group-holdings-ltd-jrvr/ RADNOR, Pa., Aug. 22, 2021 (GLOBE NEWSWIRE) – Law firm Kessler Topaz Meltzer & Check, LLP announces that a securities fraud class action lawsuit has been filed in United States District Court for the Eastern District of Virginia v James River Group Holdings, Ltd. (NASDAQ: JRVR) (“James River”) on behalf of those who purchased or […]]]>

RADNOR, Pa., Aug. 22, 2021 (GLOBE NEWSWIRE) – Law firm Kessler Topaz Meltzer & Check, LLP announces that a securities fraud class action lawsuit has been filed in United States District Court for the Eastern District of Virginia v James River Group Holdings, Ltd. (NASDAQ: JRVR) (“James River”) on behalf of those who purchased or acquired James River common stock between August 1, 2019 and May 5, 2021, inclusive (the “Class Period”).

Deadline reminder: investors who bought or acquired James River common stock during the Class Action Period may, no later than September 7, 2021, seek to be appointed as principal applicant representative of the group. For more information or to find out how to participate in this dispute, please contact Kessler Topaz Meltzer & Check, LLP: James Maro, Esq. (484) 270-1453; toll free at (844) 887-9500; by e-mail to info@ktmc.com; Where Click on https://www.ktmc.com/james-river-class-action-lawsuit?utm_source=PR&utm_medium=link&utm_campaign=james_river

James River is a holding company that owns and operates a group of specialty insurance and reinsurance companies. Its largest segment, Surplus and Surplus Line (“E&S”) insurance, focuses on policyholders who are generally unable to purchase insurance from standard line insurers due to perceived risks associated with their business. . James River’s Commercial Auto division is one of these E&S Lines segments. In 2014, James River strengthened its commercial automotive division by underwriting a new type of insurance policy that covered Rasier LLC (“Rasier”), a subsidiary of the ridesharing company Uber Technologies, Inc. (along with Rasier, “Uber”) ). Until then, ridesharing insurance only covered claims incurred while ride-sharing drivers transported passengers for Uber, leaving a void in coverage for accidents caused by ride-sharing drivers while they were on the move. did not provide rental transportation services but were still connected to Uber apps and available to accept a ride. Uber was James River’s biggest contract and accounted for over 25% of its premiums in 2019.

The Class Period begins August 1, 2019, the day after James River issued an after-hours press release stating an “unfavorable development of reserves of $ 2.3 million relative to the development unfavorable reserves of $ 2.2 million the previous year ”, which included $ 1.2 million of unfavorable reserves development in the E&S Lines segment. At the start of the Class Period, the Defendants assured investors that James River was sufficiently reserved against his Uber policies and that the Defendants were “comfortable” with James River’s E&S Lines reservations. However, after the market closed on October 8, 2019, James River announced that it had issued an early cancellation notice, effective December 31, 2019, for all insurance policies issued to Uber, although James River would remain under contract to provide coverage for the future. claims related to the time Uber policies were in effect. Throughout the litigation period, the defendants repeatedly assured investors that the old contract posed no problem for James River.

The truth came to light on May 5, 2021 when James River surprised the market by revealing an additional $ 170 million in unfavorable reserves related to Uber policies. In order to cover its losses, James River announced that it was seeking to raise $ 175 million through a public offer to purchase shares, which was priced “at the highest discount in the industry” according to Bloomberg.

In the wake of this news, James River’s share price fell $ 12.27 per share, or 26.83%, from a closing price of $ 46.50 per share on May 5, 2021. at a closing price of $ 34.23 per share on May 6, 2021.

The complaint alleges that throughout the litigation period, the defendants failed to disclose the following: (1) James River did not adequately book his Uber policies; (2) James River used incorrect methodology to establish reservations that significantly underestimated his true exposure to Uber claims; (3) as a result, James River was forced to increase its unfavorable reserves in subsequent quarters, even after canceling Uber’s policies; and (4) accordingly, the defendants’ statements about the affairs, operations and prospects of James River were materially false and misleading and / or lacked reasonable basis.

James River investors can, no later than September 7, 2021, seek to be appointed as the principal representative of class claimants through Kessler Topaz Meltzer & Check, LLP or another lawyer, or may choose to do nothing and remain an absent member of the class. A principal plaintiff is a representative party who acts on behalf of all class members in directing the litigation. In order to be named the Principal Plaintiff, the Court must determine that the Class Member’s claim is typical of the claims of other Class Members, and that the Class Member will adequately represent the Class. Your ability to participate in any recovery is not affected by the decision whether or not to serve as the principal applicant.

Kessler Topaz Meltzer & Check, LLP pursues class actions in state and federal courts across the country relating to securities fraud, breach of fiduciary duty, and other violations of state and federal law. Kessler Topaz Meltzer & Check, LLP is a driving force in corporate governance reform and has raised billions of dollars on behalf of institutional and individual investors in the United States and around the world. The firm represents investors, consumers and whistleblowers (private citizens who report fraudulent practices against the government and participate in the recovery of government dollars). The complaint in this action was not filed by Kessler Topaz Meltzer & Check, LLP. For more information on Kessler Topaz Meltzer & Check, LLP, please visit www.ktmc.com.

CONTACT:

Kessler Topaz Meltzer & Check, LLP
James Maro, Jr., Esq.
280 route du Roi de Prussia
Radnor, Pennsylvania 19087
(844) 887-9500 (toll free)
info@ktmc.com


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