Simply visit http://www.savagetv.com for more detailed information regarding pay as you go car insurance.
Pay As You Go Car Insurance- A Necessity to Suit the Economic Downturn
With recession refusing to budge from where it is and with consumers getting increasingly conscious of how much they spend and on what, the pay as you go car insurance concept is picking up pace more than ever before. However, the room to cut down on expenses in matters of car insurance is a little difficult because possessing a car is synonymous with its insurance and that means that, whether or not you drive your car, you have to pay the insurance. Nevertheless, this is no longer the cause of concern for consumers with the advent of “pay as you go car insurance†options. This particular insurance option has been launched by most companies and several others are also testing the waters with it. Apart from USA, this is also available in other countries such as Japan, UK, Canada and Africa, amongst others. The pay as you go car insurance uses the advanced GPS technology to track the number of miles travelled and also driving behavior such as abrupt stops and starts, and frequent accelerations. The device is plugged into the automobile and the insurance company uses this recorded data to charge its clients. Since the concept is fairly new, almost all the insurance companies levy good discounts for registration and subsequently to drivers with low mileage. The discounts have potential chances of multiplying, if the driver maintains good driving records. You could take advantage of this especially if you have more than one car in the house because one would surely have low mileage than the other. Since pay as you go car insurance can be availed only when you are driving, it gives people an added impetus to avail public modes of transportation or walk which has manifold health benefits. Other than that, this works as an excellent resource for those who have just attained adulthood and thus have to pay very high premiums. The flipside is that many consumers do not like the idea of their movements being tracked round the clock, and that it works in favor of only those who clock less than ten thousand miles per year. The other variables of pay as you go car insurance programs is that the rates vary during the day, the initial cost of the installation of the device is high, and that if you were to exceed the delimited number of miles then you would have to pay penalty fees. However, if you can work around the variables, then pay as you go car insurance options work well for those who want to save some money.
State Farm Insurance Complaints
In many cases, drivers have found that State Farm will simply refuse to cover the costs incurred by the driver who is at fault, forcing the case to go into arbitration. In the case of homeowner's insurance, many customers report that State Farm underpaid claims, especially with cases following hurricane Katrina. In the online cases reported by the customers, State Farm did not respond quickly to complaints. According to these accounts, only customers who were tireless and dogged in their pursuit eventually received appropriate payment. In many cases, the court system had to become involved. State Farm insurance complaints or If we were to investigate all major insurance companies and the customers complaints around the globe , we would surely hear the same stories. Here is the good side to State Farm Insurance. There are many factors that affect the insurance rate you receive from State Farm Auto Insurance. Various types of coverage are available depending on the price of the vehicle you buy. If you purchase a used vehicle and you don't want or need full coverage, then State Farm Auto insurance will be able to give you a much lower rate than if you have a new expensive vehicle that you are paying out through the bank or finance company.Some of the factors that determine the best auto insurance rate you get from State Farm Auto Insurance include: Your age. If you are under the age of 25, you will have to pay more for insurance than someone who is older. Most auto insurance companies give a discount for drivers over the age of 50 with a good driving record.Where you drive. If you do a lot of city driving or if you drive the vehicle to and from work, this will often mean you will not get the best rate for auto insurance. Your driving record. If you have had any accidents within the last five years, the chances of getting a cheap insurance rate are slim.When you are shopping for a new vehicle, you have to keep insurance rates in mind. A sports car, for example, carries a higher insurance rate than a family sedan. When coming up with a quote for auto insurance, State Farm auto insurance takes all these factors into consideration. If you are just switching to State Farm Insurance from another insurance company or if you have just moved from another state, you will probably need to have certain papers in order to get the best auto insurance rate. These include your driving record from the department of motor vehicles and a statement saying that you have had insurance in the past. With State Farm auto insurance, you don't have to worry about coverage anywhere in the country. Once you have the insurance, you can travel anywhere in the United States and Canada and still have the same coverage if you are in an accident.This does not apply to Mexico, though, because even with the best auto insurance rate, State Farm will only cover you for 25 miles inside the Mexican border. State Farm Auto Insurance, there's some things for you to consider.For a website totally devoted to Car Insurance visit Peter's Website Car Insurance Answers and find out about Car Insurance as well as Cheap Car Insurance and more, including Online Car Insurance Quotes, UK Car Insurance, Car Insurance Rates and Car Insurance Quotes. Visit the insurance blog from A to Z at http://www.insurancecostfor17yearold.com/
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Visitor's Insurance and the Benefits of Choosing Insurance For Visitors From India
Traveling to US for the very first time can bring a lot of challenges for you to deal with. For new comers, it is not easy to get accustomed to traffic and other conditions over here. This inability to comprehend the right way of traveling in USA can make people go through a lot of trouble and the possibility of getting an accident can not be overruled either.
Since it is hard to travel within US, you need to take some initiatives so you may be able to get better medical attention in difficult situations. To achieve this particular task, you will find no better option than opting for visitors insurance.
Why visitors insurance?
It is obvious that you can not predict when you will be in need for some medical attention as accidents are bound to happen in a country like US. Now, it is simple to get an accident but it is even simpler to find your self in dealing with overwhelming charges while being hospitalized. But, if you will have a visitor's insurance policy you will be able to get over your problems in a better way. Also, it is easier to cope with your injuries when you don't have to pay your bills on your own.
Choosing the right option:
Now, it is quite evident that the need of getting visitors insurance is emphatic but you must also understand the fact that there are different insurance plans available for visitors. What it means is that you will have to choose a better plan which may be perfect in your circumstances. For instance, if you are a visitor from India, you will be better off opting for insurance for visitors from India.
Although you can opt for any of the insurance plans designed for visitors but there are specific advantages associated with this particular plan. So, if you can make use of this plan, then you must never miss an opportunity to opt for it.
Why insurance for visitors from India?
The simple answer to this question is that you will become able to enjoy better plans which will not only provide coverage for accidents but illnesses as well. Moreover, one great thing about insurance for an Indian visitor is that this insurance policy can be used in US, China, Canada and all over the world.
In most cases, you can get insurance documents soon after purchasing the insurance. These documents include Certificate wordings Toll free numbers for emergencies and ID card. So, you can always expect to get benefited by this insurance option in a grand way.
The bottom line here is that insurance plans are numerous but choosing right plan is essential. You must pay sufficient attention to your requirements and the available plans as that's the only way to get benefited from the insurance policies.
Since it is hard to travel within US, you need to take some initiatives so you may be able to get better medical attention in difficult situations. To achieve this particular task, you will find no better option than opting for visitors insurance.
Why visitors insurance?
It is obvious that you can not predict when you will be in need for some medical attention as accidents are bound to happen in a country like US. Now, it is simple to get an accident but it is even simpler to find your self in dealing with overwhelming charges while being hospitalized. But, if you will have a visitor's insurance policy you will be able to get over your problems in a better way. Also, it is easier to cope with your injuries when you don't have to pay your bills on your own.
Choosing the right option:
Now, it is quite evident that the need of getting visitors insurance is emphatic but you must also understand the fact that there are different insurance plans available for visitors. What it means is that you will have to choose a better plan which may be perfect in your circumstances. For instance, if you are a visitor from India, you will be better off opting for insurance for visitors from India.
Although you can opt for any of the insurance plans designed for visitors but there are specific advantages associated with this particular plan. So, if you can make use of this plan, then you must never miss an opportunity to opt for it.
Why insurance for visitors from India?
The simple answer to this question is that you will become able to enjoy better plans which will not only provide coverage for accidents but illnesses as well. Moreover, one great thing about insurance for an Indian visitor is that this insurance policy can be used in US, China, Canada and all over the world.
In most cases, you can get insurance documents soon after purchasing the insurance. These documents include Certificate wordings Toll free numbers for emergencies and ID card. So, you can always expect to get benefited by this insurance option in a grand way.
The bottom line here is that insurance plans are numerous but choosing right plan is essential. You must pay sufficient attention to your requirements and the available plans as that's the only way to get benefited from the insurance policies.
Insurance for visitors from India is beneficial for many but that's all about determining your needs. So, determine your needs and check ivisitorinsurance.com for the available visitors insurance options.
Visitors Medical Insurance
Spring is in the air, an ideal time of the year to have family visit theÂUSAÂandÂCanada. This is especially true for Indians who are used to warmer weather and find American winters challenging. Having family visit is really exciting, and there is always plenty to plan and organize to make the visit memorable. Amidst all the excitement, it is easy to overlook visitor medical insurance, however that can be an expensive mistake. Why Visitor medical insurance ?Visitors, in particular parents and elder relatives take some time adjusting to the new environs. Beyond the initial jet lag, there are changes in weather, water, food and clothing to consider. While you can take precautions for minor ailments such as ensuring that you have the required off the counter medication handy for coughs and fever, or remind them to get a spare pair of glasses, it is hard to prepare for more serious medical ailments. While expecting visitors toÂAmerica, you should consider unplanned but definitely possible catastrophic medical situations, such as an accident, or somebody falling down and having to undergo surgery. Any situation which results in visiting an American hospital can be a serious drain on one's finances, even during good financial conditions. A few hours in the hospital can result in thousands of dollars of medical expenses, and it is not at all an exaggeration that an overnight stay in the hospital can result in tens of thousands of dollars in medical bills. In this context, it is always prudent to purchase visitors medical insurance. Why Purchase insurance online ?Visitors insurance can be confusing for anyone outside the insurance industry. There are several different insurance providers, different types of insurance plans, fixed benefits versus comprehensive plans, new concepts like deductibles, PPO network, co-insurance and so on. Some resourceful websites have developed tools to help customers understand insurance concepts easily and to be able to compare and then purchase visitors insurance for travelers to America. Detailed information about visitors insurance is usually available with answers to frequent questions is also available on the web.The purchase process.You will need basic information about the traveler such as the applicant’s date of birth, passport number, the travel dates and a beneficiary for the policy. On selecting an appropriate visitor insurance plan, you can purchase the plan online in a matter of minutes using a credit card. On completing the credit card transaction, the customer will get an email which has all the relevant information about the insurance plan. Unless the customer chooses the online fulfillment option, you will also get the policy document by regular mail in 4-5 business days.Using the insurance policy.After completing the online purchase of visitor insurance, you will get the insurance policy details, which will have a policy number as well as the relevant toll free numbers to contact in the event of having to get medical treatment. If time permits, it is recommended that you call the insurance company toll free number, and they will guide you forward on getting appropriate treatment. If the insurance plan has a PPO network, it is recommended that you use the doctor or hospital which is part of the network. Using the PPO network will facilitate cashless settlement (direct billing with the hospital), remove any penalty for being outside network and in some instances even take care of any co-insurance that you might have to pay. If you are unable to call the insurance toll free number prior to visiting a hospital (in the event of any emergency), you should call the insurance company as soon as you can, and inform them of the medical treatment that the visitor is getting. You should then submit the insurance claims form.
Buy visitors medical insurance at AmericanVisitorInsurance.com which protects non American visitors expensive health care costs in America.
Do Your Credit Cards Provide You Enough Insurance Coverage When You Travel?
Confusion and misconceptions have been brought about by the travel insurance provided by some credit card companies. Other people rely on travel insurance offered by their credit cards, not knowing that their coverage is only limited to travel accidents that may happen aboard a plane, on a train or a rented car that they have availed using their credit cards. In short, the coverage is very limited and very conditional.
Misleading advertisements made by some credit card companies leave some people to believe that they are fully covered in situations where accidents and tragedies occur on their trips. A lot of major credit card providers offer their members free travel insurances and other similar programs. It is advisable for you to take time to read the terms and conditions of the insurance provided by your credit card company to elicit right information about the coverage offered by your card issuer. You might be surprised to find out that it is not as handy and reliable as what you may have previously thought because of the pre-existing conditions that they have.
Most of the major credit card companies in Canada offer limited travel insurance coverage to their cardholders. Most of them only offer their members accident insurance coverage, with conditions such as the card issuer must have met the accident while in the services or premises of the carrier where he has credited full payment using his card. These credit card companies pay you with the corresponding losses that you incur, per body part lost, paralyzed and life lost only. Other companies offer additional protection (such as medical hospitalization and ambulatory services, etcetera) for an additional annual fee, but its reimbursements and coverage are also within certain limits.
Going out with friends and family on vacation is fun. Walking in the park, strolling foreign cities, going to the beaches, swimming, sunbathing, windsurfing, hiking and other fun filled adventures could predispose you to fortuitous events like accidents or other unlikely injuries. What’s even worse is for you to find out that your credit card company would not pay for your expenses on the said situation, making you feel helpless especially you are a stranger to wherever you may be. Then you begin to wish that you have the power to turn back the time and made that investment in an insurance company to provide you with full coverage for medical expenses on your trip. You wouldn’t wish to experience this, and you do have a choice: Do not let this happen to you.
Would you risk your own health and lives for these freebies rather than invest in a few dollars per day for a safe travel that is worry free? It is always better to always be prepared in everything rather than having regrets in the end. Being fastidious and thorough is good especially if it will benefit you and your family. Get the right insurance to cover all your health needs and be able to really have a fun filled trip that is hassle free, worry free and indeed relaxing!
Misleading advertisements made by some credit card companies leave some people to believe that they are fully covered in situations where accidents and tragedies occur on their trips. A lot of major credit card providers offer their members free travel insurances and other similar programs. It is advisable for you to take time to read the terms and conditions of the insurance provided by your credit card company to elicit right information about the coverage offered by your card issuer. You might be surprised to find out that it is not as handy and reliable as what you may have previously thought because of the pre-existing conditions that they have.
Most of the major credit card companies in Canada offer limited travel insurance coverage to their cardholders. Most of them only offer their members accident insurance coverage, with conditions such as the card issuer must have met the accident while in the services or premises of the carrier where he has credited full payment using his card. These credit card companies pay you with the corresponding losses that you incur, per body part lost, paralyzed and life lost only. Other companies offer additional protection (such as medical hospitalization and ambulatory services, etcetera) for an additional annual fee, but its reimbursements and coverage are also within certain limits.
Going out with friends and family on vacation is fun. Walking in the park, strolling foreign cities, going to the beaches, swimming, sunbathing, windsurfing, hiking and other fun filled adventures could predispose you to fortuitous events like accidents or other unlikely injuries. What’s even worse is for you to find out that your credit card company would not pay for your expenses on the said situation, making you feel helpless especially you are a stranger to wherever you may be. Then you begin to wish that you have the power to turn back the time and made that investment in an insurance company to provide you with full coverage for medical expenses on your trip. You wouldn’t wish to experience this, and you do have a choice: Do not let this happen to you.
Would you risk your own health and lives for these freebies rather than invest in a few dollars per day for a safe travel that is worry free? It is always better to always be prepared in everything rather than having regrets in the end. Being fastidious and thorough is good especially if it will benefit you and your family. Get the right insurance to cover all your health needs and be able to really have a fun filled trip that is hassle free, worry free and indeed relaxing!
Considerations When Relocating To Canada
A continually expanding economy, lots of recreational space, some of the cleanest cities in the world, and low crime rates make Canada one of the best places in the world to live. Here are some things to consider if you are moving Canada for business or personal reasons.
Citizenship
Those planning to stay in Canada for the long term should immediately begin seeking out guidance on achieving citizenship. Canada has many benefits to offer its citizens, but government programs such as Universal Health Care are only available to permanent residents. Becoming a Canadian citizen requires an application, and certain official documents, and you may have to pass a test.
Don't Believe the Weather Rumours
It is likely that if you have never spent a lot of time in Canada, you have heard stories about the country being the land of ice and snow, with freezing conditions in the winter and bleak summers. While most of the country does get cold in the winter (although coastal areas such as British Columbia's Lower Mainland rarely get below 0 C and see little snow) the summers in many areas can be quite hot. This ranges from the dry and scorching heat of the B.C. interior (where temperatures climb to the mid-40s for several weeks in July or August) to the more humid heat of locations along the St. Lawrence River (Montreal, Toronto, Ottawa).
Get Used to Distance
Eighty percent of Canada's population is located in the strip of land that runs from Quebec City to Windsor at the American border. The three biggest cities in the nation are located at opposite ends of the country: Montreal and Toronto in the east are within an easy day's drive of each other, while Vancouver lies far to the west on the Pacific Ocean. Most other cities are well under 1 million people, and the farther north you go, the more empty space you can expect to find between population centres.
Social programs and Big Taxes
If you ask a Canadian what the country's most important institutions are, nine out of ten will point to Universal Health Care and the Public Education System. These systems guarantee that all Canadian citizens have access to good health care and every child can attend school up until grade 12 without having to pay for it. Both systems are within the jurisdiction of the provinces, as the Catholic background of Quebec was a major contributor to the development of both its hospitals and its schools; therefore, it is necessary to purchase health insurance even when traveling out of the province you reside in.
Hand in hand with comprehensive social programs come high taxes in order to fund these programs. Canada has taxes on almost everything that you could imagine, from various federal and provincial gasoline taxes to taxes on alcohol, cigarettes, hotel rooms, and cross border goods. In addition, the federal government applies a 6% tax to all goods and services, and every province but Alberta has some form of provincial sales tax. Income taxes for Canadians are also quite high, with a greater share deducted the more you earn.
Like any country, Canada has points in its favour and against. As most Canadian citizens will point out, the price of taxes is fairly minor when measured up against the many benefits Canadians enjoy, not the least of which is being one of the cleanest and safest countries in the world.
Citizenship
Those planning to stay in Canada for the long term should immediately begin seeking out guidance on achieving citizenship. Canada has many benefits to offer its citizens, but government programs such as Universal Health Care are only available to permanent residents. Becoming a Canadian citizen requires an application, and certain official documents, and you may have to pass a test.
Don't Believe the Weather Rumours
It is likely that if you have never spent a lot of time in Canada, you have heard stories about the country being the land of ice and snow, with freezing conditions in the winter and bleak summers. While most of the country does get cold in the winter (although coastal areas such as British Columbia's Lower Mainland rarely get below 0 C and see little snow) the summers in many areas can be quite hot. This ranges from the dry and scorching heat of the B.C. interior (where temperatures climb to the mid-40s for several weeks in July or August) to the more humid heat of locations along the St. Lawrence River (Montreal, Toronto, Ottawa).
Get Used to Distance
Eighty percent of Canada's population is located in the strip of land that runs from Quebec City to Windsor at the American border. The three biggest cities in the nation are located at opposite ends of the country: Montreal and Toronto in the east are within an easy day's drive of each other, while Vancouver lies far to the west on the Pacific Ocean. Most other cities are well under 1 million people, and the farther north you go, the more empty space you can expect to find between population centres.
Social programs and Big Taxes
If you ask a Canadian what the country's most important institutions are, nine out of ten will point to Universal Health Care and the Public Education System. These systems guarantee that all Canadian citizens have access to good health care and every child can attend school up until grade 12 without having to pay for it. Both systems are within the jurisdiction of the provinces, as the Catholic background of Quebec was a major contributor to the development of both its hospitals and its schools; therefore, it is necessary to purchase health insurance even when traveling out of the province you reside in.
Hand in hand with comprehensive social programs come high taxes in order to fund these programs. Canada has taxes on almost everything that you could imagine, from various federal and provincial gasoline taxes to taxes on alcohol, cigarettes, hotel rooms, and cross border goods. In addition, the federal government applies a 6% tax to all goods and services, and every province but Alberta has some form of provincial sales tax. Income taxes for Canadians are also quite high, with a greater share deducted the more you earn.
Like any country, Canada has points in its favour and against. As most Canadian citizens will point out, the price of taxes is fairly minor when measured up against the many benefits Canadians enjoy, not the least of which is being one of the cleanest and safest countries in the world.
Insurance 101 - Undermining America for the Good of Americans
Insurance is like a myth. From one small seed of truth, a fairytale the size of 1000 giant sequoias has sprung up. Reality is blocked from view. Surely, you've noticed all the giant, sequoia-like buildings are owned by banks and insurance companies. Where do they get all that money? How much money do the executives make? Who pays for it all? Grab a mirror. "Magic mirror on the wall, who's the biggest sucker of them all? What's that you said? The Masses!"
Insurance is yet another unquestioned social reflex. You just buy it. You must. The banker insists you have to purchase insurance or you don't get the loan. Your government orders you to buy auto insurance at any cost. Hence, it must be really good for you. Hell, why not stock up on some of the non-mandated insurances as well? You can't have too much of a good thing. Can you?
Somewhere in the dark, murky corners of our minds we hide our thoughts. Like The Emperor's New Clothes, no one screams out, "But he has nothing on!" or "Hey, this is just bullshit!" You are not alone in the darkness. We all think it. So you are no longer scared to speak, here are some of those secret thoughts voiced out loud for the first time:
1) If I speak out against insurance, I will be jinxed. My home will surely burn to the ground and I will look like a moron.
2) If I speak out against insurance, some pecker-head who heard me will have an accident and sue me because folks are not responsible for their own choices.
3) Insurance is betting against myself. Why would I bet against me?
4) If insurance companies must charge such high premiums because they're losing so much in payouts, how do they afford all those big buildings?
5) What do insurance companies sell? Air? Promises they intend to deny via small print? Contracts? Wouldn't I rather buy an IHOP franchise with that money?
6) If government represents the people, why do they make me, a people, a criminal when I cannot afford auto insurance to get to work and feed my family?
7) How much in dollars and perks do insurance lobbyists put into the pockets of politicians?
8) Do I really need trip-cancellation insurance? Why would I buy a dream trip, and then bet on my canceling it at the last moment?
9) If I put all the money I spend on insurance into the bank or toward building success, how much money would I have for coping with my problems on my own terms?
10) If I buy the extended warranty, will I remember I have it or be able to find it when my widget explodes?
11) Shouldn't companies make quality widgets that last three years in the first place?
12) And finally, did Jennifer Lopez really insure herself for hundreds of millions of dollars? What? She is already rich. The agent who sold this policy is phenomenal.
Yes, we all know the system is way out of hand! The blame lies with insurance companies, greedy bankers, spineless politicians and with the Masses unquestioningly supporting these absurdities. Every frivolous lawsuit provides government an excuse for mandating people be protected from themselves via costly insurances and removal of individual freedoms.
Before long, we will be required to carry Coffee-Burn riders on auto insurance and Cell- Phone-Earring-Tear addendums on HMOs. These days Sleeping Beauty would have sued the castle owner (a.k.a. Dad) for that prick on the finger, lost wages from the coma and for trauma from the scar. Uninsured sewing needles would be outlawed throughout the kingdom.
With a system this out of control, how do you protect yourself? You cut the fat. Quit betting against yourself. Think about all those different types of insurance. Stop buying out of reflex and decide for yourself what you can kick to the curb. Consider the variety out there and what you truly must have.
Life Insurance is for betting you will die such a loser that you can't pay for your own funeral or leave your kids any inheritance. Extra Car Insurance-How much you betting that you will crash? Not to mention, homeowner's, mortgage, trip cancellation, emergency evacuation, unemployment, boat, credit card, business interruption, earthquake, disability, dental, smoker, expatriate, backpack traveler, winter sports, flood, warranty and health insurance. The list goes on.
Here is a new monument to the ludicrous: Terrorist Insurance. It's even pushed at Art Gallery Owner's in isolated communities of the Northern Great Plains. And, why not? No doubt Osama is crouching in an Afghan cave right now, plotting to rid the world of those pesky Remmington Cowboy bronzes.
Insurance agents prey upon these new fears like snakes on wounded mice. Apparently, companies want to terrorize you into buying coverage. Another possibility is a rebel SCUD aimed for Mount Rushmore may slam into a Canada Goose and go askew. It sucks when this happens! No doubt your goat ranch in Chug Water, Wyoming is in eminent danger from this likely chain of events. Perhaps, you should add a specific 'Unpasteurized-Cheese Addendum' to your Terrorist Policy. Call your agent today and ask them. See if they will sell you one.
The odds of you dying of a mosquito bite are better than the odds you will die at the hands of a terrorist. Well, crap! The government better permit companies to require we all carry Mosquito Insurance. Maybe you can get a DEET discount! Better still; why not turn over all our bothersome responsibility, like freedom and privacy, to the Feds. Then good ol' Uncle Sam can protect citizens from the winged menaces that haunt our very souls.
Congress could raise taxes to fund Bug Inspectors. Their job would be to comb through your private life, home and property looking for freestanding water. They would not look for anything else (roll eyes here). Still cancer and glaucoma patients might want to keep the baggies away from the birdbath.
Speaking of cancer, the Air Force could spray us all from above with a perfectly "safe" mixture of insecticides called Agent Tan. Coincidently, that day your governor vacations far away. Is there anybody in his or her right mind who would elect an insurance salesman to public office? Of course, both politicians and insurers are selling you hot air, so perhaps it is a match made in H…
A very few insurances are worth buying, such as liability insurance for cars and real estate. Once you have something to lose, it's a sure bet some lazy troll with an entitlement-mentality will try to sue you. In this case, you want the giants on your side. Insurance companies provide lawyers to run evil little trolls back under their bridges.
Insurance prices in America are out of control. The wide range of insurance the bureaucracy would have us believe we cannot live without is genuinely insulting. Buying all the coverage companies would have you believe you need wastes thousands of your dollars each year. Look over policies and eliminate what you can. Insurance is just legalized gambling. If you are betting against yourself, how can you take a gamble on yourself? Pursue your dreams instead!
The preceding is an excerpt from the book Keeping the Masses Down. Satirist Nola L. Kelsey (http://www.NolaKelsey.com) is the coauthor and "primary scribe" of this twisted political satire. Kelsey is also the author of the scathingly wicked comedy Bitch Unleashed: The Harsh Realities of Goin' Country. August K. Anderson, a former lawyer, long time CEO of Golden Quest Enterprises (http://www.chevalinternational.com) and one of the country's top equestrians, is the primary political force behind Masses. Her ideals formed the cornerstone of this motivational, life-conquering manual.
ฉ Copyright 2005
Insurance is yet another unquestioned social reflex. You just buy it. You must. The banker insists you have to purchase insurance or you don't get the loan. Your government orders you to buy auto insurance at any cost. Hence, it must be really good for you. Hell, why not stock up on some of the non-mandated insurances as well? You can't have too much of a good thing. Can you?
Somewhere in the dark, murky corners of our minds we hide our thoughts. Like The Emperor's New Clothes, no one screams out, "But he has nothing on!" or "Hey, this is just bullshit!" You are not alone in the darkness. We all think it. So you are no longer scared to speak, here are some of those secret thoughts voiced out loud for the first time:
1) If I speak out against insurance, I will be jinxed. My home will surely burn to the ground and I will look like a moron.
2) If I speak out against insurance, some pecker-head who heard me will have an accident and sue me because folks are not responsible for their own choices.
3) Insurance is betting against myself. Why would I bet against me?
4) If insurance companies must charge such high premiums because they're losing so much in payouts, how do they afford all those big buildings?
5) What do insurance companies sell? Air? Promises they intend to deny via small print? Contracts? Wouldn't I rather buy an IHOP franchise with that money?
6) If government represents the people, why do they make me, a people, a criminal when I cannot afford auto insurance to get to work and feed my family?
7) How much in dollars and perks do insurance lobbyists put into the pockets of politicians?
8) Do I really need trip-cancellation insurance? Why would I buy a dream trip, and then bet on my canceling it at the last moment?
9) If I put all the money I spend on insurance into the bank or toward building success, how much money would I have for coping with my problems on my own terms?
10) If I buy the extended warranty, will I remember I have it or be able to find it when my widget explodes?
11) Shouldn't companies make quality widgets that last three years in the first place?
12) And finally, did Jennifer Lopez really insure herself for hundreds of millions of dollars? What? She is already rich. The agent who sold this policy is phenomenal.
Yes, we all know the system is way out of hand! The blame lies with insurance companies, greedy bankers, spineless politicians and with the Masses unquestioningly supporting these absurdities. Every frivolous lawsuit provides government an excuse for mandating people be protected from themselves via costly insurances and removal of individual freedoms.
Before long, we will be required to carry Coffee-Burn riders on auto insurance and Cell- Phone-Earring-Tear addendums on HMOs. These days Sleeping Beauty would have sued the castle owner (a.k.a. Dad) for that prick on the finger, lost wages from the coma and for trauma from the scar. Uninsured sewing needles would be outlawed throughout the kingdom.
With a system this out of control, how do you protect yourself? You cut the fat. Quit betting against yourself. Think about all those different types of insurance. Stop buying out of reflex and decide for yourself what you can kick to the curb. Consider the variety out there and what you truly must have.
Life Insurance is for betting you will die such a loser that you can't pay for your own funeral or leave your kids any inheritance. Extra Car Insurance-How much you betting that you will crash? Not to mention, homeowner's, mortgage, trip cancellation, emergency evacuation, unemployment, boat, credit card, business interruption, earthquake, disability, dental, smoker, expatriate, backpack traveler, winter sports, flood, warranty and health insurance. The list goes on.
Here is a new monument to the ludicrous: Terrorist Insurance. It's even pushed at Art Gallery Owner's in isolated communities of the Northern Great Plains. And, why not? No doubt Osama is crouching in an Afghan cave right now, plotting to rid the world of those pesky Remmington Cowboy bronzes.
Insurance agents prey upon these new fears like snakes on wounded mice. Apparently, companies want to terrorize you into buying coverage. Another possibility is a rebel SCUD aimed for Mount Rushmore may slam into a Canada Goose and go askew. It sucks when this happens! No doubt your goat ranch in Chug Water, Wyoming is in eminent danger from this likely chain of events. Perhaps, you should add a specific 'Unpasteurized-Cheese Addendum' to your Terrorist Policy. Call your agent today and ask them. See if they will sell you one.
The odds of you dying of a mosquito bite are better than the odds you will die at the hands of a terrorist. Well, crap! The government better permit companies to require we all carry Mosquito Insurance. Maybe you can get a DEET discount! Better still; why not turn over all our bothersome responsibility, like freedom and privacy, to the Feds. Then good ol' Uncle Sam can protect citizens from the winged menaces that haunt our very souls.
Congress could raise taxes to fund Bug Inspectors. Their job would be to comb through your private life, home and property looking for freestanding water. They would not look for anything else (roll eyes here). Still cancer and glaucoma patients might want to keep the baggies away from the birdbath.
Speaking of cancer, the Air Force could spray us all from above with a perfectly "safe" mixture of insecticides called Agent Tan. Coincidently, that day your governor vacations far away. Is there anybody in his or her right mind who would elect an insurance salesman to public office? Of course, both politicians and insurers are selling you hot air, so perhaps it is a match made in H…
A very few insurances are worth buying, such as liability insurance for cars and real estate. Once you have something to lose, it's a sure bet some lazy troll with an entitlement-mentality will try to sue you. In this case, you want the giants on your side. Insurance companies provide lawyers to run evil little trolls back under their bridges.
Insurance prices in America are out of control. The wide range of insurance the bureaucracy would have us believe we cannot live without is genuinely insulting. Buying all the coverage companies would have you believe you need wastes thousands of your dollars each year. Look over policies and eliminate what you can. Insurance is just legalized gambling. If you are betting against yourself, how can you take a gamble on yourself? Pursue your dreams instead!
The preceding is an excerpt from the book Keeping the Masses Down. Satirist Nola L. Kelsey (http://www.NolaKelsey.com) is the coauthor and "primary scribe" of this twisted political satire. Kelsey is also the author of the scathingly wicked comedy Bitch Unleashed: The Harsh Realities of Goin' Country. August K. Anderson, a former lawyer, long time CEO of Golden Quest Enterprises (http://www.chevalinternational.com) and one of the country's top equestrians, is the primary political force behind Masses. Her ideals formed the cornerstone of this motivational, life-conquering manual.
ฉ Copyright 2005
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