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The state of California requires that all drivers carry car insurance as a result, there are many drivers who are looking for cheap car insurance and many companies willing to supply it. Drivers who do not have their cars insured are subject to civil penalties. In California, un-insured drivers who are involved in accidents may even lose their license. California drivers are also required to have proof of car insurance on them whenever they are operating a vehicle. A ticket can be issued if a driver cannot produce proof of insurance when requested to do so by someone in authority. Given the strictness of the California statutes, it is important for any driver looking for cheap car insurance to make sure that when he/she purchases a policy it meets or exceeds the state minimums.

California state car insurance minimums are $15,000 for the death/injury of one person in an accident and $30,000 for the death/injury of all the people involved in an accident plus an additional $5,000 of insurance to compe (more...)

Pet insurance companies usually determine how much to reimburse for a claim in one of two ways. Some plans use what is known as a benefit schedule while others use the actual veterinary bill to determine reimbursement.

Pet Insurance With A Benefit Schedule A benefit schedule sets a maximum reimbursement for a procedure or treatment.

With a benefit schedule the pet insurance company decides in advance how much it is willing to reimburse for a procedure or course of treatment, regardless of what it cost you. The benefit schedule may not vary by geographic location and traditionally has not increased every year to take into account veterinary inflation. So if the benefit schedule is not kept updated, your reimbursement will actually shrink about 20% every three years at the current inflation rate for veterinary fees!

Benefit schedules are currently used by Veterinary Pet Insurance and Pet First Healthcare.

Pet Insurance with Usual, Customary, and Reasonable Benefits UCR stands for (more...)