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Progressive, as a company, has long established itself as a reliable insurance provider for all sorts of personal and commercial requirements. What many people as consumers may not fully understand and appreciate, though, are the intricacies of ‘progressive claims’ – the process by which policyholders submit a claim to the insurer to access coverage promised under the terms of their policy.

The Genesis of Progressive Claims

Progressive claims can originate from a whole host of situations such as auto accidents, home damage, or incidents involving recreational vehicles. Typically, the process commences with the policyholder reporting the incident to the insurer. From there, the company investigates the incidence to validate the claim. At the conclusion of a successful investigation, the insurer pays out the claim, subject to the terms and conditions defined in the policy.

Dealing with Car Insurance Claims

A significant proportion of progressive claims are tied to auto insurance. If a policyholder’s vehicle is involved in an accident, they would typically first ensure the safety of all involved parties. After that, they would contact emergency services as required, make a note of the accident scene details, witness information, and then report the incident to Progressive. The company then sends a claims representative or an adjuster to investigate the event and estimate the repairing cost.

Why Should You Compare Car Insurance Green Slip?

Among the various types of car insurance options out there, comparing car insurance green slips is a keen focus area for many consumers. The ‘Green Slip,’ more formally known as Compulsory Third Party (CTP) Insurance, is mandatory for Australian vehicle owners. It provides coverage for injuries caused to other people in an accident, including pedestrians, cyclists, and other road users.

As auto insurance costs continue to shoot up, it becomes more critical than ever to ensure that you are not overpaying for your CTP Green Slip. Different providers can have remarkably different rates based primarily on the risk profile they associate with the insured. When reviewing the ‘Green Slip,’ factors such as the driver’s age, location, driving experience, and history are all taken into consideration along with the make, model, and usage of the car. All of these dimensions can have a significant influence on the cost of your CTP cover.

Therefore, it is advisable to regularly contrast and compare your car insurance ‘Green Slip’ with those offered by other providers. It is not uncommon for motorists to find out that they can get a similar, if not a better deal, from a different service provider. Besides, the Internet has made this task all the more convenient with several reliable comparison websites.

In Conclusion

Progressive claims, much like any other insurance claims, require diligent reporting, verification, and processing. As a policyholder, understanding the process can significantly simplify navigating the post-incident turmoil. And as for car insurance, whether related to a progressive claim or exploring the best deals for your ‘Green Slip,’ grounding your decisions in comprehensive research and judicious comparisons can ensure you get the maximum value out of your insurance plans.

Health has always been uncertain. We can try our best to keep fit, but after a certain age the expenses on health do increase. Its better to keep ourselves insured under a Medical Plan to make sure that our medical expenses are taken care of.If we talk about Individual Health Insurance Plans in US, they are designed to help an individual and their families access care and cover the medical cost of receiving medical services from any physician, hospital or other provider.There are different types of Medical Plans: Indemnity Health Maintenance Organization Preferred Provider Organization Point of Service Plan Exclusive Provider Organization Consumer-DrivenHealth Insurance Portability and Accountability Act (HIPAA) Privacy Protected Health Information.Under HIPAA Privacy, unauthorized individuals cannot ask or inquire about any clinical or personal health information when counseling participants about their Medical Plans.Indemnity Plans These plans are sometimes called Free-for-Service Plans, where: An individual pays the medical care provider directly for services Files claim to be reimbursed by the PlanAn Individual can seek care from any doctor or hospital and receive benefits.Hospital precertification is required for some services in order to receive the highest level of benefits.This plan: Pays reasonable and customary deductible coinsurance amounts, up to an out-of-pocket maximum Rely on Utilization Management to control costsHealth Maintenance Organization (HMO) An HMO provides prepaid benefits for most health care needs with no bills or claim forms. It provides services through a selected group of doctors, hospitals and other providers who are under contract to the HMO. To choose an HMO option, an individual must live or work in an area supported by the HMO network as defined by their home ZIP Codes. An individual choose a Primary Care Physician (PCP) from a list of physicians They pay copayment (instead of deductibles) each time they visit a provider Services rendered by the PCP or from a provider referred by PCP is reimbursed HMOs provide preventive care and rely on Utilization Management to control costsPreferred Provider Organization (PPO) A PPO is a network of contracted participating physicians and hospitals that agree to render their services at discounted rates.PPOs maintain networks of participating doctors and hospitals; however, individuals are not required to choose a PCP to coordinate their care. They have the choice of using in-network and out-of-network providers, using in-network providers offers higher benefits though.Point of Service Plan (POS) POS Plans have networks of participating doctors and hospitals that provide medical care at negotiable rate. Individuals living in a POS service area, according to their home ZIP Codes, are eligible to join the plan and must choose an in-network PCP or facility from the list of providers Using in-network providers offer the highest level of benefitsExclusive Provider Organization (EPO) EPO Plan resembles to HMO. Benefits are provided within a specific contracted network of physicians and hospitals with no out-of-network benefits available. Individual chooses a PCP from the list of physicians Individual are required to pay a predetermined copayment (instead of a deductible) each time they visit a provider. Services rendered by PCP or by a provider referred by the PCP will be reimbursed EPOs provide preventive care and rely on Utilization Management to control costs

By Levi Quinn

Getting the first car as a teenager is among the most exhilarating experiences in a teenager’s life. Unfortunately, though, most teenagers will usually not have a sleek new-looking car as their first rides. Since the teenager will likely get a car that is a bit old or second-hand, chances are that you want to have the car supped up a little bit to make it look presentable. There are many gadgets and car accessories on the market that can give that old car a nice finish that will leave passersby taking a second and possibly a third glance at what they have done to the car. Some of these add-ons are relatively cheap and can be bought using the meager monthly allowances.

One of the coolest gadgets that will add some life to the old ride is the audio gear road trips. These wireless FM transmitters will make car CD changers look obsolete. These add-ons are capable of scanning and tuning to the clearest FM station within range. In addition, they can be connected wirelessly to an iPod. It makes it not only easy to play iPod music in the car but also allows a rapid charging of the iPod. Of course, everybody wants LCD screens in the car. Some LCD screens come with portable DVD players making them excellent additions to the car’s entertainment. A good portable DVD player will usually have a number of screens that can be positioned throughout the car. However, on a teenager’s budget, going for one LCD screen is enough.

Another of the cool additions is installing a scrolling license plate frame. These gadgets allow a person to personalize up to five messages using a wireless remote controller. Thus, one can tell the driver behind them about their favorite sports team or even advertise an upcoming event or business to other motorists. One can do so many wild things with this addition. It is like changing the mood on the road and letting the people around know about it. This amazing plate frame can be bought for less that $70. Other additions can also be placed around the license plate to make it look more glamorous.

A car’s audio system will likely be the most outstanding feature of any car. From a distance, it will alert everyone that a smart car is coming his or her way. There are many units on the market that offer stability and endurance to a car’s audio. The two most common speaker systems for a car are Kenwood and Pioneer sound systems. The options of playback are numerous. Pricing is largely based on the number of options a system will have. Most of the speakers from these two manufacturers have proven their worth on the market. Combined with the LCD functionality, these sound systems are definitely worth the investment to put into them. Having a plug power inverter will make the addition of the above and other devices not only easier but also safe while on the road. With less than $200, a teenager can make their car look new again.

About the Author: Enjoy your car travel and find the best deal on the auto insurance coverage you need. Visit us today for money-saving tips, auto insurance quotes online and helpful car insurance advice at www.AutoInsuranceRatesDirect.com

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Many duties are included whenever an air shipping delivery must be organized. Directing the shipment to its destination is just one responsibility of an agent. These experts must find service providers who are able to move the freight to the needed destination and arrange the necessary space for the shipping. An air freight agent receiving a customer booking also has the responsibility of arranging pre-flight pick-up and post-flight delivery details.

The delivery needs to be weighed for the appropriate transport expenses to be determined. A broker may arrange all required paperwork, for example the shipping bill, after this information is available. Delivery payments may be accepted at this point in the process. All documents are processed so the suitable info can be included with the shipment.

The work of a broker does not stop at completion of the transportation plans. Duties extend to informing the shipper of all flight delays, unloading incoming shipping, informing the client of shipment arrival, and organizing shipping. International transport services include extra documents for customs, for example the industrial bill. Paperwork varies dependent on the destination. Any company delivering a critical freight load or extensive shipment can benefit from the services of a broker because they decreases delivery mistakes and provides much better overall prices.

The Every Day Responsibilities of Freight Agencies

Shipping companies have set limitations on the types of items they are prepared to carry for their customers. Most don’t allow the importation or exportation of goods banned by a particular nation. Weight limitations can be part of these types of regulations dependent on the cargo they are dealing with. Extra weight may lead to the inability to supply the service or extra delivery costs.

Agencies offering both air and vehicle services can usually choose the shipping up at the customer area or a nearby warehouse. Area, time constraints, along with other elements may impact this type of servicing. In some instances, immediate pickup or delivery won’t be an choice. Delivery discount rates are sometimes provided whenever a business needs to carry big cargo.

Air transportation is a superb solution when items are time-sensitive or must be shipped to a more isolated location. It’s the fastest transport method accessible and highly effective for shipping items to any location in the world. Trustworthy freight agencies work hard to satisfy their clients. They try to arrange all carries in favor of both the customer as well as the freight air carrier.

Airlines shipping these items should have a business model that encourages easy procedures to fulfill their customer demands. Agents combine all moving processes for efficient goods transport to the scheduled destination. Their efforts ensure freight gets to the predetermined time in the anticipated condition.

Substantial knowledge about items transportation assists these professionals in answering all client inquiries and provides the most dependable choices. They are able to go over insurance charges, delivery particulars, as well as tracking techniques thoroughly to make certain a company understands what is happening concerning their shipment. A business selecting to use the providers of qualified air freight brokers will be stress-free and assured of a safe delivery process due to the services provided.

Article Source: sooperarticles.com/business-articles/international-business-articles/air-freight-agent-dealing-all-business-delivery-requirements-750676.html

About Author:

While conducting research for this article, I learned about refrigerated freight forwarders and truck load shipping services at ShipPEI.com.Author: George Mitchell

By Dennis Jarvis

So what happens when you’re approved for a life insurance plan that you applied for? The good news is that you’re approved. We now go into the phase known as policy delivery. There are some important tips to remember here and although each carrier is a little different in their requirements (we’ll help you with your particular life insurance company), some common threads run through them. Let’s look at how life insurance policies are delivered.

First, it’s important to understand how the life insurance contract works. When you submit your application, this is called the “offer”. Essentially you are making an offer to the carrier based on your pertinent information for a given rate. The carrier then decides whether to accept, decline, or change this offer (i.e. change the rates). At this point, the carrier will deliver you a policy. You do not officially have coverage until you return this policy back with your confirmation of its terms. This is important. You do not want to go through the entire application, paramedical exam, and underwriting process only to delay or possibly void the life insurance coverage due to mishandling this final confirmation. Let’s look at what is generally acknowledged and confirmed by you after policy delivery.

Common requirements for you, the applicant:

1) Acknowledgement of premium assigned. You need to confirm the rate that has been offered. Keep in mind, it might be different than original due to health status, paramedical, and underwriting results.

2) Acknowledgement of effective date or a request to update new effective date. This is important since effective date dictates when your coverage (and your payment) starts.

3) Contract policy review with agent for understanding of terms. Make sure to go through any question or contract terms with us as your licensed life insurance agent.

4) Copy of your application enclosed with policy. Keep this for your record.

5) Deadline for receipt of signatures. This is very important to make sure your policy goes into effect. You must return the signed contract by this date.

6) Premium payment (can be check, or electronic auth.) if not already submitted. Auto deduction and/or credit card can be a safer way to pay since there’s no “lost in the mail” scenarios that can jeapardize your coverage.

7) Premium modal frequency decision verified. This is where you decide to pay annually, quarterly, monthly, etc. Your premium modal can affect your rate (with shorter periods being more expensive)

8) Acknowledgement of policy delivery signature. You are acknowledging that you did in fact receive the policy.

9) Tax certification- some carriers want you to verify whether or not you are subject to backup witholding due to underreporting of interest or dividends.

10) Age change- if youve had an age change during the process,instructions are provided. You may/may not be able to lock premium rate by keeping effective date prior to birthday. Please contact if you’re straddling two ages so we can find the best rate and value.

The main take-away is that there is a time constraint. You can’t set this policy info aside and get to it in a few weeks or assume you were approved and therefore, have coverage. You have to acknowledge and confirm with the carrier once the policy is received and do so before the deadline. We can help with this process and in fact, we are an integral part of helping you successfully navigate your life insurance policy delivery.

About the Author: Dennis Jarvis is a licensed insurance agent concentrating on on finding the best

term life quote

. Shop, compare, and instantly quote multiple carriers with professional guidance and resources.

Source:

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