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document.write(" Diversified Insurance Services offers a full range of insurance products and services for your home, auto, life, health, disability, annuities, and long term care through leading insurance companies in America. Auto Insurance - High Risk Auto - Home Owners/Renters Insurance Auto Insurance What is auto insurance? Why do you need it? Q: Since auto insurance is regulated by states, aren't all policies the same? A: Many insurers (but not all) use a standardized Personal Auto Policy, developed by the Insurance Services Organization. The type of protection is identical, but the price and service offered can vary widely. Q: What can I do to reduce my auto insurance rates? A: Shop around. But first ask for a review of your current policy and make sure that anything you don't understand is fully explained. Then get comparison quotes from other insurers; you'll be surprised at some of the cost differences. Be sure you're comparing for the exact same coverage. Consider raising your deductible, and be on the lookout for discounts you may be entitled to. Even your credit history can affect your insurance rate. Insurance companies use credit based information in evaluating insurance risks to determine a consumers pattern of credit management. Some credit factors that are taken into account when evaluating an insurance risk are payment history, public records such as bankruptcies or judgments; outstanding debt, and length of credit history scores. It has been statistically proven that the higher the credit score, the better the insurance risk. Individuals with favorable credit history generally file fewer and/or less expensive claims.
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Owning a car involves several risks. When a car accident occurs, people may be injured and vehicles (or other property) may be damaged. Damage can also occur through theft, vandalism, or natural disasters. Auto insurance can protect you against these risks. Insurance companies provide auto insurance through personal auto policies (PAPs). A PAP is a contract between you and your insurer, specifying each party's rights and obligations. Essentially, your insurer promises to provide specific coverage for you in return for your payment of a premium.
All states require you to be financially responsible when driving a car. Depending on your state, you may be required to purchase auto insurance or post a bond. State law (and/or your lender) often requires you to purchase at least a minimum amount of auto insurance. You may find it prudent to purchase greater coverage, however, in order to protect your auto investment, pay for necessary medical expenses, cover your legal liability, and cover any additional losses related to driving. Consider the following: if you cause an accident and the other driver suffers damages over and above your insurance limits, your personal assets and future earnings may be put at risk.
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- Multi-vehicle policies
- Anti-lock brakes
- Airbags
- Passive restraint
- Driver training
- Good student status
- Defensive driver status
- Anti-theft devices
Q: Stacked/Non-Stacked Uninsured/Underinsured Motorist
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Like the name states, Homeowners Insurance is just that - it protects your home. And in addition to covering your home, your homeowners insurance policy also covers your family's possessions and can provide you with compensation for liability claims, medical expenses, and other amounts that result from property damage or personal injury. It also protects anyone named on the policy, whether it be your spouse, residents of the home, household employees, guests and visitors.
\n"); document.write("Homeowners Insurance is needed if you have a mortgage, but it also a good idea to have it even if you own your own home. Your homeowners policy protects what you can not afford to lose. There are thousands of scenarios that could happen and result and sever financial loss or the loss of your home. This insurance is designed to prevent that.
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\n"); document.write("Your Landlord's Insurance Doesn't Cover Your Personal Property
Things like your clothes, stereo, furniture, television, bicycle, jewelry, personal computer, artwork and other items are not covered against destruction or loss by your landlord's insurance. Because of this it is a good idea to have a renters insurance policy, just in case something were to happen.
With Renters Insurance, You Can Replace What's Damaged or Stolen
Renters insurance covers your possessions against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm, and water damage from plumbing. Renters insurance also covers your responsibility to other people injured at your home or elsewhere by you, a family member or your pet, and pays legal defense costs if you are taken to court.