If you have a family that you want to make sure are covered if you should die unexpectedly or if you just want to make sure that your death will not have a negative financial impact on your loved ones due to funeral costs, you are likely looking at life insurance plans. However, life insurance plans are one of those investments that you hope never pays off, in the case of trying to protect your loved ones due to the fact that you are the main financial provider.
If you drive a truck (that you don't own) for an established, reputable trucking company, then you're most likely completely covered under their insurance plan. But if you're an owner operator who is just beginning your career, then chances are that you're on your own as far as certain aspects of insurance go. This isn't a bad thing, but it does mean that you might be unaware of the reasons why trucking insurance is so essential.
The steps you take after a natural disaster strikes and totals your car determine how soon the auto insurer settles your claim. In addition to following your insurer's procedure for making claims, other tips that can speed up the process. Here are four such tips.
Document Your Case
The first tip is to document your case so well that everybody can easily see what happened to your car. Your insurer is likely to be swamped with claim applications after a natural disaster.
If you're over a healthy BMI, you may see higher insurance rates. The companies shouldn't increase them, but you're viewed as a higher risk. Here's a look at why insurance rates put your premiums up for being overweight, but really why they shouldn't.
Show Poor Health
Being overweight, even by a tiny bit, shows that you're more at risk of a poorer quality of health. Insurance companies think you will die sooner due to complications linked to obesity and will increase your premiums to counter this risk.
You knew by law you need at least liability coverage in your auto insurance policy, but you chose to drive without it. The question is—what happens if you happen to be in an auto accident while driving without insurance. Truthfully, it depends on what state you live in and who caused the accident. If you make a habit of driving without insurance, it is certainly worth taking the time to learn more.