Filing An Auto Insurance Claim

The Illinois DOI is a great resource for valuable information on insurance laws and regulations. They discuss auto insurance cancellation and non-renewal and improper claims practices laws. Filing a claim in Illinois can be a stressful time, but when the appropriate preparation, you can make it a smooth process.

The first step to take is to ensure you really need to file a claim. If the damage is small and you can afford to pay for repairs out of pocket, it doesn't make sense to risk increasing your auto insurance premiums. The next step is to document each detail involved in the accident to ensure you have all the information your insurance company may need.

You should be prepared to receive a call from the insurance company of any other drivers involved in the accident. Any time there is a dispute on claims information, they need more information from people who witnessed the event. Once your claim is accepted you may get a visit from an auto insurance adjuster to review the damage. They may direct you towards acceptable auto repair companies and car rental companies you can use while you wait for your car to get fixed. Being prepared for the ramifications of being in an accident can help make the situation smoother.

Washington Basic Budget Update

It is still unclear as of December 2009 whether or not Washington Basic will make it through the year. Basic Health will continue to offer coverage to its enrollees at least until June 30, 2010. The Basic Health Plan has been targeted to be eliminated and it provides health care coverage to about 65,000 individuals which is about $160 million.

To stay within the approved budget Washington Basic Health no longer processes new applications to determine eligibility and has a waiting list. You can still submit applications to be put on the waiting list and there are some groups that can bypass the wait list. These include foster parents, personal care workers, health coverage tax credit, tribal sponsored accounts, Washington National Guard or Reserves, some maternity applicants, and former Basic Health members who stopped coverage because of Medicaid coverage and who have since lost that coverage. They have to notify Basic Health within 30 days.

Carolina Health Insurance also is affected by the economy and budget cuts are happening throughout the company. See how your health benefits may have been affected and if anything major has changed.

State Farm Car Insurance Quotes Higher for Teens

It's typically the case that State Farm car insurance quotes are higher for young adults ages 16-21. This is common for most auto insurance companies. The main reason for this is that car crashes are the #1 leading cause of death among teens in the US. They tend to get in more accidents and receive more tickets as they are learning to drive.

Schools across the United States have been in competition to create the superior safe driving campaigns with the goal of convincing fellow teens the dangers of engaging in risky behavior while driving. State Farm is sponsoring the program called Project Ignition and it's been coordinated by the National Youth Leadership Council.

The finalists for this competition have recently been announced and they have each earned $5000 to cover travel expenses to the National Service Learning Conference in San Jose, California being held between March 24th and March 27th. The winner will receive a $10,000 grant for their school. This is an outstanding initiative that will hopefully encourage safer driving among teens.