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Here are six things you can do to protect yourself from those who seek to profit from your misfortune when you re in an automobile accident.

Review your insurance coverage. What you don t know can hurt you. Do you have full tort or limited tort? Did you unknowingly give up your right to ask for damages? If you have a high deductable ($1000 or more) where will that money come from when you need it? Always have a camera in your vehicle. A picture is worth THOUSANDS OF DOLLARS when it comes time for you to get paid! What is the financial status of your vehicle? We had full coverage and thought we would be able to replace our vehicle with one of similar value. WRONG! Have an inventory list of the items in your vehicle that you want to account for. Things happen really fast at an accident scene and you may be disoriented or worse. Prepare a list of people you want notified of your situation. If someone has to do this for you it s much easier for them to follow a written list. Towing company informatio (more...)

Before you take out any health insurance it is very important to make sure that you understand all of the health insurance benefits that you will be entitled to. This is very important and you should always make sure that you fully understand what is covered by the health insurance policy before you decide to join it and definitely before you pay for it. The most basic criteria that you need to know regarding your health insurance is how much it is going to cost you. Rather than just looking at the premiums you should look at any other costs that are associated with it, such as deductibles. This is the amount that you will have to pay before the health insurance provider begins to pay for your treatment with your insurance coverage. One way that many people keep the cost of their insurance down is by accepting higher deductibles. Although this might sound good when you initially take out the insurance you need to make sure that you have enough money set aside to pay for the deductibles if you need (more...)