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Many people who drive un-insured cite the lack of affordable car insurance as their reason. Regardless of the cost, however, everyone who drives needs to have their car insured. In fact, most states require individuals to carry at least liability insurance to drive legally. Being involved in even a minor accident while un-insured can cost everyone involved. The un-insured driver becomes financially and legally responsible for damages, while the one who followed the law has to watch his premiums rise to compensate for money lost by the insurance company. In 2001 it was estimated that 14% of drivers in the United States drove un-insured.*

Fortunately, there are ways for everyone to find affordable car insurance, so that those who claim they can t afford it are brought aboard the insurance bandwagon. One way to find affordable car insurance is by buying a policy which meets the lowest legal requirements. There are insurance companies that only offer minimum coverage, and they can be found scattered th (more...)

Why Private Medical Insurance Is Becoming So Popular

Recent research indicates that the vast majority of consumers take out private medical insurance because they are concerned about the length of waiting lists for treatment in NHS hospitals.

68% of those questioned in a recent online poll, said that they wanted to receive treatment when it was needed rather than having to take their chances with the NHS waiting lists. In other words the failure of the NHS to deliver is directly responsible for the growing popularity of private medical insurance in the UK.

Benefits of Private Medical Insurance Over The NHS

Whereas the shortest waiting period for general surgery on the NHS is 32 weeks, those covered by private medical insurance are able to receive treatment as and when they need it, in a hospital of their choice.

In other words, if you chose to use the NHS for your medical treatment, you are likely to have to wait months before actually receiving the treatment you need.(more...)