tips about insurance

Wednesday, August 24, 2011

Insurance Policy

Tuesday, August 23, 2011

Get A Life Insurance Quote Online

Monday, August 22, 2011

Insurance for Your Business By Eran Salu

The importance of insurance cannot be over-emphasized and neither can the danger of paying for insurance you don't need. It is strongly recommended you solicit the advice of an in-dependent business insurance agent. Don't forget to SHOP! Talk to three or four independent agents and compare notes and prices. An insurance agent will lay out a vast array of insurance coverage much of which you simply may not need. Your situation will be unique and you must consider each insurance element carefully to ensure comprehensive coverage.

Whatever your final insurance program looks like, you should review it at least every six months. Your business can change rapidly, especially in the first few years and insurance needs change with it. Keep your program up to date by calling in your agent and reviewing your coverage. Make changes where necessary.

LIABILITY INSURANCE

This is probably the most important element of your insurance program. Liability insurance provides protection from potential
losses resulting from injury or damage to others or their property. Just recall some of the big cash awards you have read about that have resulted from lawsuits concerning liability of one kind or another and you will understand the importance of this insurance. Your insurance agent can describe the various types of liability insurance coverage that are available. If you will end up with a comprehensive general policy, make certain that the general policy does not include items you don't need. Pay for only the insurance you need. For example, your business may not need product liability insurance.

Do not confuse business liability coverage with your personal liability coverage, both of which you need. Your personal coverage will not cover a business-generated liability. Check to be certain.

Compare the costs of different levels of coverage. In some cases a $2 million policy costs only slightly more than a $1 million policy. This economy of scale is true with most forms of insurance coverage. That is, after a certain value, additional insurance becomes very economical.

KEY PERSON INSURANCE

This type of insurance is particularly important for the sole proprietorship or partnership where the loss of one person through illness, accident, or death may render the business inoperative or severely limit its operations. This insurance, although not inexpensive, can provide protection for this situation. Key person insurance might also be necessary for others involved in your business.

SGC was a small firm run by three partners, a software programmer, marketer, and a general manager. Their product was a complex computer program used by aerospace firms. Al, the programmer, was involved in a severe automobile accident, became totally disabled, and SGC lost their programming capability. The problem was that the computer program written by Al was essentially the company's sole product. Modifications to accommodate the customer became impossible and the time to bring another programmer up to speed was excessive. SGC lost considerable business as a result of this situation. These losses could have been offset by key person insurance.

DISABILITY INSURANCE

You, as a business owner, should be covered by disability insurance whether or not you decide on key person insurance. This insurance, along with business-interruption insurance, described below, will help ensure your business will continue to operate in the unfortunate situation where you are unable to work. Your disability insurance policy needs to provide satisfactory coverage. Particular attention should be paid to the definition of "disability," delay time until payments start, when coverage terminates, and adjustments for inflation.

FIRE INSURANCE

Fire insurance, like all insurance is complicated and you should understand what IS and IS NOT covered. For example, a typical fire insurance policy covers the loss of contents but does not cover your losses from the fact that you may be out of business for 2-months while your facility is rebuilt. Fire insurance is mandatory whether you're working out of a home office or you have a separate facility. You should discuss a comprehensive policy with your agent. Take the time to understand the details. For example, will the contents be insured for their replacement value or for actual value at the time of loss?

Consider a co-insurance clause that will reduce the policy cost considerably. This means that the insurance carrier will require you to carry insurance equal to some percentage of the value of your property. (Usually around 85%.) With this type of clause it is very important that you review coverage frequently so you always meet the minimum percentage required. If this minimum is not met, a loss will not be paid no matter what its value.

If you are working out of your home, your existing homeowner's policy may not cover business property. If this is the case, have your insurance agent to add a home-office rider to your policy.

AUTOMOBILE INSURANCE

You probably already have automobile insurance but it might not include business use of your vehicle. Make sure that it does.

WORKER'S COMPENSATION INSURANCE

If you make the decision to hire employees, you will be required, in most states, to cover them under worker's compensation. The cost of this insurance varies widely and depends on the kind of work being performed and your accident history. It is important that you properly classify your employees to secure the lowest insurance rates. Work closely with your insurance agent.

BUSINESS INTERRUPTION INSURANCE

This protects against loss of revenue as the result of property damage. This insurance would be used, for instance, if you could not operate your business during the time repairs were being made as a result of a fire or in the event of the loss of a key supplier. The coverage can pay for salaries, taxes, and lost profits.

CREDIT INSURANCE

This will pay for unusual losses as the result of nonpayment of accounts receivables above a certain threshold. As with all policies, you must thoroughly understand the details so discuss it with your insurance agent. One of the largest providers of this coverage is American Credit Indemnity, Baltimore, MD. (800) 879 1224.

BURGLARY/ROBBERY/THEFT INSURANCE

Comprehensive policies are available that protect against loss from these perils, including by your own employees. Make certain you understand what is excluded from coverage.

RENT INSURANCE

This policy covers the cost of rent for other facilities in the event your property becomes damaged to the extent that operations cannot continue in your normal location.

DISABILITY INSURANCE

This insurance will pay you an amount each month slightly less than your current salary in the event you become disabled and are unable to work. Cost for this coverage varies considerably depending on your profession, salary level, how quickly benefits start, and when they end. Benefits paid are tax-free only if you, not your company, pay the premiums.

This list could be continued since it is possible to purchase insurance for just about any peril you can imagine ... if you can pay the premium! When considering your insurance coverage, use the following checklist:

INSURANCE COVERAGE CHECKLIST:

o Can you afford the loss?

o What coverage is required by Federal, state, or local law?

o What SPECIFIC items are covered by the policy?

o Are items to be insured for their replacement cost or original value?

o What SPECIFIC items are EXCLUDED by the policy?

o If there is a co-insurance clause, do you have adequate coverage?

o Have you chosen deductibles wisely in order to minimize costs?

o Do any of the policies you are considering duplicate or overlap one another?

o Do you need any insurance based on location, e.g., flood, earthquake?

Use the following checklist to review your insurance plans:

INSURANCE PLAN CHECKLIST:

o Employ an independent insurance agent rather than going to individual insurance companies. Ensure the agent shops for your insurance.

o Talk to and get quotations from at least THREE agents and pick the best one for you.

o Use money saving comprehensive policies, if possible.

o Perform periodic (every 6-months) reviews of your insurance program.

o Have business assets professionally appraised to determine coverage needs.

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Insurance for Your Business By Eran Salu

Friday, August 19, 2011

Tourist Auto Insurance

Congratulations - you've started an exciting road trip adventure to Mexico. You have your vehicle tuned and all your gear packed, and now it's time to buy a Mexican tourist auto insurance. Your Mexican auto insurance decision is likely to be the most important decision you make, but unfortunately it is often one of the most rushed and least explored the decisions that many travelers do in Mexico. Do not make the mistake of assuming that all the Mexican insurance is the same as insurance coverage and benefits gap can vary extremely between Mexico insurance companies. While researching insurance coverage is not very exciting for most people, this article will show you how 5 to 10 minutes research on the web can save you thousands of dollars and many frustrating hours, if you were to really need to use your insurance to pay for losses in Mexico.

Use the Internet to quote and buy Mexican tourist auto insurance

Most Mexican auto insurance is now purchased directly from the Internet. There are web sites that sell Mexico Insurance number, and buy your insurance from the Internet makes much more sense to the customer. Would you rather wait until the last minute to buy insurance at the border, or you want to buy insurance from the convenience of your computer before you leave for your trip to Mexico? Most customers prefer to get their insurance taken care of ahead of time.

The best website to buy your insurance from Mexico are the ones that offer a number of insurance companies in Mexico. This allows you to do comparison shopping on one website, and not to fill a number of quotations form of Web sites. One good Mexican insurance home insurance comparison to the rater will save you a lot of time and confusion.

Which websites can be trusted?

Before getting your insurance quote, be sure to look for a valid certificate of insurance and contact information. Also, you can search for "surplus Lines Broker 'license number. Surplus lines broker insurance broker who has a direct contract with the Mexican insurance companies and is licensed to sell foreign insurance coverage in the United States. Surplus lines broker license is a good sign that the site is run by a company that specializes in insurance for Mexico. If insurance is not licensed surplus lines broker's license, which means houses will most likely run the insurance agent who sold the surplus lines broker. This website does not mean products are not suitable, but you may not get the same level of customer service as you from a surplus lines agent who specializes in full Mexican insurance. You can also search the Better Business Bureau and a list of some Internet safety approval sort, like Hacker Safe or Secure McAfee to ensure that your information will be safe during your online transaction.

Mexico to seek insurance coverage

Once you have selected a website that sells Mexico tourist auto insurance, you will fill fast insurance quote form. Minute, you should be able to get the price down and begin to explore the benefits offered by insurance products. Remember, it will be much faster and streamline the process if you use a website that offers a number of competing insurance companies all under one quote system (comparative quote rater).

Look for the chart below or above the price of insurance that clearly explains exactly what Mexico insurance limits are and what is actually covered. In this diagram, you want to view in the following categories:

Deductions: The best Mexican insurance policies offer fixed deductibles, which means the deduction will be locked at a fixed amount, regardless of what your vehicle's value. Some cheaper policies will take deductions for the percentage of the value of the vehicle. When the vehicle is worth less than $ 20,000, a percentage deduction may be fine, but when the value of the vehicle, stand up $ 30,000 range or more, the share of deductions can get very high. If the website does not list specific deductions, you should not use this website!

U.S. labor rates repair Made in the USA or Canada: In the old days, most Mexican auto insurance companies tried to make customers to repair their vehicles in Mexico. Repair in Mexico, not U.S., are often much cheaper than the Mexican insurance companies and many customers did not want to leave your car in Mexico, so the company got out to pay these claims. Today, many more Mexican insurance programs allow you to fix your vehicle in the U.S. or Canada, if you wish. The catch is that some of the cheaper Mexican insurance program will pay only a limited hourly labor rate for repairs made in the USA (some as low $ 20 per hour). This means the client would pay the difference in hourly rates of their own pockets. The best Mexican insurance programs will pay a very high U.S. labor rates, for example, hourly, or declare that they will pay whatever the current U.S. hourly labor rate is $ 70. These policies can significantly reduce your out of pocket expenses if the claims. If Mexico Insurance website is not required if repairs the United States, authorized or hourly rate, do not use this website to buy Mexican insurance!

Vandalism and Partial Theft Coverage: Vandalism and theft of part (which means only a part of the car is stolen, for example, tires, door panels, etc.) are not covered by standard auto insurance in Mexico. In recent years, higher-quality Mexican insurance programs have begun to offer this coverage to their extended coverage program. If you want to protect themselves against so many types of loss as much as possible, you should look for this coverage.

Limits of liability: This is part of a Mexican insurance policy that pays for damage you cause to third parties. This coverage is important when traveling in Mexico. Most people in the industry believe that $ 50,000 worth of liability insurance, is probably the minimum you should consider. Some of the best Mexican insurance program goes up to $ 300,000 combined single limit (one-off payment for property damage or personal injury compensation), but it will also increase insurance premiums. Some customers want to take those higher limits work in tandem with the U.S. umbrella liability policy. You can ask your U.S. insurance provider if your roof will be recognized by your insurance Mexico car insurance as the main coating.

Medical Payments: This is part of a Mexican insurance policy that pays for medical costs for you and your passengers (people inside your vehicle). One person with a total per accident $ 10,000 $ 2,000 is the bottom line, you should consider, but many policies offer much higher limits. Some of the better policy to increase this amount if you are hit by an uninsured motorist who is at fault. You can check with your U.S. or Canadian health insurance provider to make sure that they will cover you for medical expenses incurred while traveling in Mexico. If not, you may also want to research for international health insurance plan - but that's another subject.

Legal Service: Make sure your Mexico insurance is a legal services or legal aid. This coverage will pay for any court costs, attorneys' fees, charges or bail, stemming from a traffic accident in Mexico. The service also sent a legal representative hold your hand through any legal procedures. This cover is absolutely necessary, therefore, did not purchase Mexico auto insurance, which is not included in this coverage!

Road Assistance: Most of the better Mexican insurance companies will have some level of assistance on the road, which will cover the costs of towing, flat tires, a locksmith, and other services. This is great coverage, so make sure that this is included in your Mexico insurance policy.

Medical evacuation: How the Mexican insurance market becomes more competitive, many carriers are now merging in Mexico is extra special coverages to make their products stand out. If medical evacuation is automatically included with your Mexico auto insurance, it is an incredible value and convenience. This coating will coordinate and pay for air or land ambulance services, if "a grave illness or injury." This means life-threatening or very serious illness or injury. Purchasing a medical evacuation program on your own, it will often cost hundreds of dollars a year, and can often be a lot of restrictions. Quality of Mexico auto insurance program that comes with medical evacuation coverage, usually covering a number of people in your group will automatically travel to four or more people. Be sure to look for, how many people are covered by medical evacuation. If the number of people not listed insurance quote information, you can assume that the medical evacuation may be subject only to the driver. Other websites exist specifically for 4 or more people traveling in your group, so it is highly recommended that you search for web sites that offer this broader medical evacuation coverage.

Plane Tickets Home: Another great benefit that many of the better Mexican insurance websites that offer a plane ticket home if your car is stolen or not drivable. This can save you thousands of dollars and reduce the nightmare need to coordinate their transport back to your home from Mexico. If this benefit is offered, be sure to see how many people's policy will provide plane tickets home. If a plane ticket home does not indicate whether the website does not specify how many people to whom you check that other site. Some websites do offer coverage for four people or more in your travel group.

When in doubt, call a web customer service phone lines

Mexico Insurance reputable website will encourage you to call your customer service department if you have any questions about the Mexican insurance. If no one answers the phone or do not call you back within minutes (during business hours), you may not want to buy insurance from this website! Most of Mexico home insurance is like ATM machines. Home is there for your convenience if you want to write the policy yourself, but you are also welcome to call the web customer service insurance agents and agents to write policies for you over the phone.

If you examine each of these insurance coverages and website functions while shopping for Mexican auto insurance online, you are guaranteed to buy the best insurance for your situation. Five to ten minutes of research could save you thousands of dollars and hours, if not weeks, headache, if you need to file insurance claims in Mexico. Be safe and have fun in Mexico!

Thursday, August 18, 2011

Antique Car History

Owning a car is a necessity for many people, but to many other antique cars as a matter of pride and status symbol.Many antique car enthusiasts as a hobby or a memory to collect antique cars. But there are many others who as an investment option are collecting antique cars.

We are an antique car in detail and see the antique car history.Sometimes it is seen that some classic cars are misrepresented as antique cars, but the real classic cars from the specific pre-World War II era are high-quality cars. The antique cars to use for everyday transportation is not profitable, these antique cars are very popular for leisure driving. Antiques cars which had survived for more than 25 years are considered great survivors.

Over the years, antique car market has seen tremendous changes. During 1980, the value of antique cars is a great boom that has lasted for many years. But during the 1990s, there had fallen a great price. Antique car collection can be a kind of gambling.

Most antique car lovers before buying any antique car, antique car love to know the history. For them, buying an antique car is more important than buying a new car. Everything about antique car they find enough time before they make a purchase. Experts say it's better antique car antique car's history before making a deal to take a look. By spending some time in the history of antique car you can know that any change and are flaws, there are antique cars. These changes and flaws may make a major change in the value of antique cars. Positioning antique cars and how much it's worth the price if you sell it again at any later stage it is a good idea before buying.

Antique cars have survived over a period of twenty-five years as those who have cars, antique car's history is worth mentioning. If you are an antique car enthusiasts, antique car, antique car collection of the current state to check you are going to add. The antique car is a very trendy one extreme value of antique cars will be expensive. If it is not a fashion to collect, you can reduce demand and you can get it at a lower price. The condition affects the value of antique cars. Certainly more than a good condition antique car antique car will cost more than a poor condition.

So it is advisable before buying any antique car antique car's history is known. Antique cars lose position and how much is worth the price if you do not sell it later. Nowadays there are many websites which provide information about the antique cars are doing. Most of these websites feature pictures of antique cars and collector's forums. Check these sites for your antique car history will help to get a brief idea. It will also be a plus point for antique car lovers.

Car Insurance Terms and Glossary

No car insurance resource would be complete without a comprehensive glossary of car insurance terms. We've compiled a list of terms and their definitions to better help you navigate the sometimes confusing world of insurance

Accident - This is an unexpected sudden event that causes property damage to an automobile or bodily injury to a person. The event may be an at-fault or not-at fault and it may be report or unreported. An accident involving two vehicles may be termed a collision.

Accident report form - This is the report filed by police, often called the police report, containing the important information regarding the vehicle collision. This report will include the names of all individuals involved, vehicles involved, property damaged and citations that were issued.

Adjuster - This is the person who will evaluate the actual loss reported on the policy after an accident or other incident. They will make the determination on how much will be paid on the auto insurance policy by the Insurer.

Agent - This is a licensed and trained individual who is authorized to sell and to service insurance policies for the auto insurance company.

At Fault - This is the amount that you, the policy holder, contributed or caused the auto collision. This determines which insurance agency pays which portion of the losses.

Auto Insurance Score - This is a score similar to credit score that evaluates the information in your consumer credit report. These scores are used when determining pricing for your auto insurance policy. Negative marks on your credit report can increase your auto insurance premiums. The use of this information to determine policy pricing does vary from state to state.

Automobile Insurance - This is a type of insurance policy that covers and protect against losses involving automobiles. Auto Insurance policies include a wide range of coverage's depending on the policy holders needs. Liability for property damage and bodily injury, uninsured motorist, medical payments, comprehensive, and collision are some of the common coverage's offered under an auto insurance policy.

Binder - This is a temporary short-term policy agreement put in place while a formal permanent policy is put into place or delivered.

Bodily Injury Liability - This is the section of an insurance policy that covers the cost to anyone you may injure. It can include lost wages and medical expenses.

Broker - This is a licensed individual who on your behalf sells and services various insurance policies.

Claim - This is a formal notice made to your insurance company that a loss has occurred which may be covered under the terms of the auto insurance policy.

Claims Adjuster - This person employed by the insurance agency will investigate and settle all claims and losses. A representative for the insurance agency to verify and ensure all parties involved with the loss, get compensated fairly and correctly.

Collision - The portion of the insurance policy that covers damage to your vehicle from hitting another object. Objects can include but are not limited to; another vehicle, a building, curbs, guard rail, tree, telephone pole or fence. A deductible will apply. Your insurance company will go after the other parties insurance policy for these cost should they be at fault.

Commission - This is the portion of the auto insurance policy that is paid to the insurance agent for selling and servicing the policy on behalf of the company.

Comprehensive - This is a portion of the insurance policy that covers loss caused by anything other than a collision or running into another object. A deductible will apply. This includes but is not limited to vandalism, storm damage, fire, theft, etc.

Covered loss - This is the damage to yourself, other people or property or your vehicle that is covered under the auto insurance policy.

Declarations Page - This is the part of the insurance policy that includes the entire legal name of your insurance company, your full legal name, complete car information including vehicle identification numbers or VIN, policy information, policy number, deductible amounts. This page is usually the front page of the insurance policy.

Deductible Amount - This is the portion of the auto insurance policy that is the amount the policy holder must pay up front before the Insurance Company contributes and is required to pay any benefits. This amount can be within a wide range in price and varies from approximately $100 - $1000. The larger amount you pay in a deductible the lower your normal monthly/yearly policy will cost. This is the portion of the auto insurance policy that would be applicable only to comprehensive or collision coverage.

Discount - This is a reduction in the overall cost of your insurance policy. Deductions can be given for a variety of different reasons including a good driving record, grades, age, marital status, specific features and safety equipment on the automobile.

Emergency Road Service - This is the part of an auto insurance policy that covers the cost of emergency services such as flat tires, keys locked in the car and towing services.

Endorsement - This is any written change that is made to the auto insurance policy that is adding or removing coverage on the policy.

Exclusion - This is the portion of the auto Insurance policy that includes any provision including people, places or things that are not covered under the insurance policy.

First Party - This is the policyholder, the insured in an insurance policy.

Gap Insurance - This is a type of auto insurance provided to people who lease or own a vehicle that is worth less than the amount of the loan. Gap auto Insurance will cover the amount between the actual cash value of the vehicle and the amount left on loan should the care be stolen or destroyed.

High-Risk Driver - If you have a variety of negative marks on your insurance record including driving under the Influences, several traffic violations, etc. you may be labeled as a risk to the insurance company. This will increase your insurance policy or may make you ineligible for coverage.

Insured - The policyholder (s) who are covered by the policy benefits in case of a loss or accident.

Insurer - Is the Auto Insurance company who promises to pay the policy holder in case of loss or accident.

Liability insurance - This part of an auto insurance policy which legally covers the damage and injuries you cause to other drivers and their vehicles when you are at fault in an accident. If you are sued and taken to court, liability coverage will apply to your legal costs that you incur. Most states will require drivers to carry some variation of liability coverage Insurance and this amount will vary state by state.

Limits - This is the portion of the auto insurance policy that explains and lists the monetary limits the insurance company will pay out. In the situation you reach these limits the policy holder will be responsible for all other expenses.

Medical Payments Coverage - This is the portion of an auto insurance policy that pays for medical expenses and lost wages to you and any passengers in your vehicle after an accident. It is also known as personal injury protection or PIP.

Motor Vehicle Report - The motor vehicle report or MVR is a record issued by the state in which the policy holder resides in that will list the licensing status, any traffic violations, various suspensions and./ or refractions on your record. This is one of the tools used in determining the premium prices offered by the insurance agency. This is also used to determine the probability of you having a claim during your policy period.

No-Fault Insurance - If you reside within a state with no-fault insurance laws and regulations, your auto insurance policy pays for your injuries no matter who caused the accident. No-fault insurance states include; Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, Utah and Washington, DC..

Non-Renewal - This is the termination of an auto insurance policy on the given expiration date. All coverage will cease as of this date and insurer will be released of promised coverage.

Personal Property Liability - This is the portion of the auto insurance policy that covers any damage or loss you cause to another person's personal property.

Personal Injury Protection or PIP - This portion of an auto insurance policy pays for any lost wages or medical expenses to you and any passengers in your vehicle following an accident. PIP is also known as medical payments coverage.

Premium - This is the amount charged to you monthly, yearly or any other duration agreed upon by insurance company and policy holder and paid directly to the auto insurance company. A premium is based on the type and amount of coverage you choose for your vehicle(s) and yourself. Other factors that will affect your insurance premium prices include your age, marital status, you're driving and credit report, the type of car you drive and whether you live in an urban or rural area. Premiums vary by insurance company and the location you live.

Quotation - This is the amount or estimated amount the insurance will cost based on the information provided to the agent, broker or auto insurance company.

Rescission.- This is the cancellation of the insurance policy dated back to its effective date. This would result in the full premium that was charged being returned.

Rental Reimbursement - This is the portion of the auto insurance policy that covers the cost of an automobile rental of similar size should the covered vehicle be in repair from a reported incident.

Replacement Cost - This is the amount of money it would cost to replace a lost or damaged item at it is actually new replacement value. This monetary amount would be based on a new identical item in the current local market.

Salvage - This is the auto insurance policy holders property that is turned over tot eh insurance agency in a loss final settlement. Insurance companies will sell the salvage property in hopes to recoup some of its monetary loss due to the loss and settlement.

Second Party - this is the actual insurance company in the auto insurance policy.

Surcharge - This is the amount added to your auto insurance policy premium after a traffic violation or an accident in which you were found to be at fault.

Third Party - This is another person other than the policy holder and auto insurance company who has faced a loss and may be able to collect and be compensated on behalf of the policy holder's negligence.

Total Loss - This is complete destruction to the insured property of a policy holder. It has been determined that it would be a great sum of money to repair the item rather than replace the insured piece of property to its state prior to the loss.

Towing Coverage - This is the portion of the auto insurance policy that covers a specified amount for towing services and related labor costs.

Under insured Driver - This is the portion of an auto insurance policy which covers injuries to you caused by a driver without enough insurance to pay for the medical expenses you have incurred from the accident. This is portion of the policy can vary state by state as some states include damage to the car in this section.

Uninsured Driver or Motorist - This is the portion of the auto insurance policy which covers injuries to you caused by a driver who was without liability insurance at the time of the accident. Uninsured driver or motorist coverage comes in two different sections; uninsured motorist bodily injury and uninsured motorist property damage. Uninsured motorist bodily injury coverage covers the injuries to you or any passenger in your vehicle when there is an accident with an uninsured driver. Uninsured motorist property damage coverage covers the cost for the property damage to your vehicle when there is an accident with an identified uninsured driver. Uninsured driver or motorist coverage must be offered when you purchase the required liability coverage for your vehicle. You must sign a declination waiver if you decline Uninsured driver or motorist coverage. The majority of states require drivers to carry some form of uninsured motorist coverage. Some states include damages to your car in this coverage.

Vehicle Identification Number or VIN - A VIN is a 17 letter and number combination that is the identification of the specific vehicle. It will identify the make, modem and year of the automobile. This number is typically located on the driver's side window on the dash. It can also be found on the vehicles registration and title.