The car-buying public may want to think twice about buying a new hybrid-electric vehicle after reading the Mitchell International’s Industry Trends Report. According to The Car Connection, hybrid cars such as the popular Toyota Prius costs on average $182 more to fix than regular vehicles if they’re involved in an accident.

Now insurance companies have started raising insurance rates for the higher repair costs. In fact the insurance costs for hybrid vehicles are predicted to go up at a quicker rate than overall insurance premiums.

It’s estimated that hybrid sales make up about three percent car sales in America these days and a more diverse group of people are now buying them. Whe

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Medigap Insurance Plans are also called Medicare Supplement Insurance, they are not Medicare Advantage Plans (HIMs, PPOs). You pay a premium for it to the insurance company and it automatically renews, as long as you pay your premium, unless you purchased it before 1991. Your policy must clearly identify on the front of the policy that it is a Medicare Supplement Insurance.

Make sure you understand that these are not connected with your Medicare coverage. These are private insurance policies sold by an insurance company. When you buy one of these it only fills in the gaps that are not covered by Medicare.

Medigap Basics – There are currently 12 different types of Medigap plans to choose, A – L. The

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Trying to decide which caravan insurance is suitable for you may not always be that easy.

The generics

A typical caravan insurance policy consists of four main components:

• the cover it provides (and by definition, the cover it doesn’t provide);
• the premium it charges;
• its conditions, terms and exclusions;
• its flexibility in terms of being able to offer you customisation – i.e. thi

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Anyone who owns a house will require a home insurance policy. This policy is intended to protect the home against fire, natural disaster, flooding, theft, and any other sort of damage that it might face. When these situations occur you will have to cover the financial losses unless you have an insurance backing you up and compensating you. When searching for a decent policy there are a few things you can do to reduce your premiums.

Always take a very close look at the deductible that you set on your policy. Paying for a low deductible will certainly help you to avoid a large expense if you file a claim, but your monthly premiums will always rise.

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My client’s husband had a seizure and fell in his home.  He struck his head on the floor which resulted in a traumatic brain injury.  Tragically, he later died of the TBI. 

At the time of his death, he was a plan participant in an ERISA benefits plan sponsored by his employer.  One of his benefits was an Accidental Death and Dismemberment insurance policy issued by Metropolitan Life.  His widow submitted the claim for Accidental Death and Dismemberment benefits. 

The ERISA policy contained an exclusion for losses that are “caused by or contributed to” by a medical condition.  Metlife denied the claim based on the medical condition exclusion. 

I have filed an administrative appeal under ERISA.  I believe that the exclusion only applies to deaths that are caused by a medical condition, not accidents that are caused by medical conditions.  Case law from as far back as the 1800’s support our position on this appeal. 

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