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In law and economics, insurance is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss. Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for payment. An insurer is a company selling the insurance; an insured or policyholder is the person or entity buying the insurance policy. The insurance rate is a factor used to determine the amount to be charged for a certain amount of insurance coverage, called the premium. Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice. The transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate (indemnify) the insured in the case of a large, possibly devastating loss. The insured receives a contract called the insurance policy which details the conditions and circumstances under which the insured will be compensated. From Wikipedia under the
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You now have the right to present your case for independent, ... Feds move to improve health insurance appeals The Associated Press Obama Plans Health Insurance Appeals eMaxHealth HHS Rule Bolsters Appeal Rights When Insurers Say No MedPage Today The Hill (blog) - Insurance News Net (press release) - TopNews United Kingdom (blog)  insurancenewsnet.com Tue, 27 Jul 2010 14:06:53 GMT+00:00 Company, +1-248-994-9393 or + ... Insurance News Net (press release) Allstate Insurance Company encourages safe driving practices among all drivers. Allstate also supports a federal graduated driver licensing law called the ... From Google News Search: "Insurance" How much is malpractice insurance for neurosurgeons by state? Q. I need to know the average malpractice insurance for neurosurgeons in different states.I want to practice in a state where the insurance isn't so expensive.I live in NYC and here,the insurance is almost $1000.I prefer going to another city than giving all that money for the insurance.I never had any problem in my career and I don't need this type of insurance. Can you help me? PS. I am paid very well,but I don't like spending money on things that I don't need. Asked by Leo - Wed Nov 4 01:39:09 2009 - - 1 Answers - 1 Comments A. There's no average. You can't average no retro date and no tail, with 30 years of prior coverage. But if you don't "need" this type of insurance, don't buy it. No hospital will actually allow you to use their operating room without it, anywhere, in the USA, but hey, if you don't NEED it, hey. As to where it's cheaper - Not in the state of NY. Generally, the states which limit tort (republican states) are more friendly to doctors. But your professional association, or professional magazines, should be giving you a list of cheaper states. I believe there are at least 45 of them, LOL. Answered by mbrcatz - Wed Nov 4 09:27:33 2009 What typically happens to the insurance industry during a period of economic recession? Q. Are people more afraid and purchase more insurance or less? Does it make them delay purchasing insurance? Life and Health insurance specifically. More specifically senior medical supplement policies, advantage plans, life insurance, long term care insurance, and annuities. I'm asking for myself. Is it a good time economically in the U.S. today to sell these products? General or specific information will be helpful. Thank you for your experience and thoughts. Asked by Jen - Thu Oct 18 22:21:25 2007 - - 4 Answers - 1 Comments A. "People are buying insurance products regardless of economic conditions.The insurance industry and large-cap consumer staples companies also tend to pay meaningful dividends -- and steadily raise them -- enhancing their overall quality and appeal. Dividend income is always welcomed by consumers, especially so in choppy markets when you're effectively paid to wait until the turmoil subsides.To answer your question if is a good time to sell in U.S.i say it is! not only in U.S. but also in Europe. Answered by thenetsurfer - Fri Oct 19 11:01:54 2007 How much insurance company will raise my rate after a car accident?
Q. My car bumped into a car at a parking lot and caused minor rear bump crack. And I called my insurance company to report a claim. Right now my rate insurance is $420/year. I would like to to know how much my insurance company will raise my rate when I renew it next year. Asked by amber - Fri Jan 16 11:58:57 2009 - - 3 Answers - 2 Comments A. There no easy answer. It depends on your carrier and your state. Some carriers offer accident forgiveness if your insured with them for a number of years and never made a claim, then they give you an accident for free. There are also $ limits. If the amount they pay for repairs to your car and the other car exceeds a certain predetermined $ amount then the policy is surcharged. If its below that amount, you aren't given a surcharge but may lose your accident free discount. When you do recieve a surcharge, it is only applied to certain coverages and not all the coverages. Answered by Susan K - Sat Jan 17 11:47:47 2009 From Yahoo Answer Search: "Insurance" |
