Lisa Nichols 's Blog
Posted by Lisa Nichols
This month, Insure.com contributed an article on parking lot fender benders, providing holiday shopping safety tips you can use to protect your car- and yourself-at the mall.
Some more safety tips holiday shoppers can use while out and about this month:
- Don’t wear flashy, expensive jewelry when you’re out shopping- it draws unwanted attention to you.
- Keep your cash and your credit cards in your pocket, not your handbag. A good rule of thumb is to consider what you wouldn’t mind losing, and leave those items in your handbag. If you have to carry a handbag, hold it front of you.
- Move purchased items out to the trunk of your car as you buy them. You’ll draw less attention with fewer bags, have more mobility if something happens, and, you can look at the extra trips to the car as some unexpected exercise, an added benefit.
- If you think you’re being followed, or an unmarked car signals you to pull over, drive to a police station, fire station or other well-lit area with pedestrian traffic.
- Copy down the information from the front and back of your credit cards paper in a safe location. If something happens, you can quickly call and cancel your cards.
You have some off-premises coverage for personal property in your homeowner’s insurance policy. If the worst should happen, check out our tips for filing a claim, and try not to let the stress get to you- once you’ve filed the claim, let your insurance carrier handle it, so you can get on with enjoying your holiday season.
Talk back with the writer- tell Lisa Nichols about your tried and true holiday safety tipsand submit your news, tips and story ideas for the insurance blog
Posted by Lisa Nichols
Buy travel insurance, say the experts, and ensure your Christmas gifts arrive safely. According to AAA, more than 8 million Americans will be flying somewhere for the Christmas holidays. And AAA estimates that another 60 million Americans will travel at least 50 miles from home. Gas prices are down for the first time in months, prompting more people to leave home for the holiday. Trip insurance, or travel insurance, protects you against many travel losses, including theft.
Trip insurance, available worldwide, can come in handy on any trip, but during the holidays, can provide an extra layer of protection. With Christmas travel comes the inevitable shuttling of presents to the site of the Christmas tree at your final destination, and the unfortunate possibility of baggage theft, too. In the UK, some 2.5 million Brits will be traveling outside the country, hauling an estimated 700 million pounds plus presents to loved ones.
Buy travel insurance for your Christmas trip to help protect your precious investments, and ensure that the presents you so carefully selected for your loved ones arrive safely under the tree. Trip insurance- it’s a small price to pay to ensure your presents’ protection and a happy holiday.
Talk back with the writer- tell Lisa Nichols about your experience buying travel insurance and submit your news, tips and story ideas for the insurance blog
Posted by Lisa Nichols
Weird insurance claim #1: Terrence Dickson of Pennsylvania robbed a house and then accidentally locked himself in the homeowner’s garage, which had a broken garage door opener. Stuck for more than a week, he lived off of dog food and soda. Dickson filed- and won- a homeowner’s insurance claim against the homeowners for undue mental anguish. The pay-out? A hefty half million!
Weird insurance claim #2: Jerry Williams of Little Rock, Arkansas won more than $14K- plus medical expenses- on a dog bite insurance claim against his neighbors. Williams, who was hanging in the neighbor’s yard at the time the beagle attacked him, got chomped after continually firing a pellet gun at the dog.
Weird insurance claim #3: Amber Carson of Pennsylvania received a six figure insurance judgment after falling and cracking her tailbone as the result of a spilled drink. The kicker? The soda had spilled on the floor when Carson threw it at someone during an earlier altercation.
And finally, a bouncer avoidance claim from Kara Walton of Claymont, Delaware. Walton sued a night club after she fell through a window and broke some teeth, winning an insurance judgment of more than $12,000. At the time, Walton was sneaking into the club so she wouldn’t have to pay a cover charge.
Learn more about how to file a claim, including steps to take and what to expect.
Talk back with the author- tell Lisa Nichols about your wild or weird claim and submit your news, tips and story ideas for the insurance blog.
Posted by Lisa Nichols
A recent Florida office of insurance regulation greatly impacted a homeowner’s insurance claim denied by their insurance carrier. When a hurricane swept through Eugene and Debra Cox’s Florida home, they lost everything and needed insurance claim help. Initially told their flood insurance claim denied, their insurance claim lawyer proved otherwise in court.
A frequent complaint about insurance company hurricane claims rests in the insurance company’s belief that they don’t have to pay for flood damage caused by a hurricane if flood is excluded from the policy.In the Cox’s case, the court ruled in a different way, stating that their insurance claim denied by the insurance carrier was illegal, and that the company would pay for both windstorm and flood damage resulting from a hurricane.
If you feel like you were unfairly treated and had insurance claim denied or need insurance claim help, you have options- you can file a complaint about insurance company misconduct with your state department of insurance. You might also decide to find an insurance claim lawyer to represent you in court. Find out more about how to file an insurance claim
Talk back with writer Lisa Nichols- tell us what happened when your insurance claim was denied and submit your news, tips and story ideas for the insurance blog.
Posted by Lisa Nichols
Surveys conducted in the last 18 months by “Steps to a Healthier Pennsylvania-Luzerne County” shows companies “are just becoming aware,” of health and wellness the workplace, says registered nurse Midge Berfield. Programs like Steps to a Healthier U.S. have been set up to help Americans live longer, healthier lives, and employee health and wellness program coordinators are taking notice.
The Benefits of Starting an Employee Health and Wellness Program at Your Company:
- Companies have everything to gain by setting up a workplace health and wellness program. An employee health and wellness program is a great incentive to new hires, rounding out your other company benefits.
- Providing flu shots, blood pressure checks, cholesterol screenings, body/fat ratio assessments, smoking cessation programs and free mammograms to employees as part of a health and wellness in the workplace can help save on rising company health insurance costs.
- Health and wellness in the workplace promotes employee attendance, say the experts. Reduced workplace accidents and a general improvement in overall employee health and wellness in the workplace helps prevent employee absenteeism.
Get some tips on how to start your company’s workplace health and wellness program today.
Talk back with the author- tell Lisa Nichols about your experiences developing an employee health and wellness program and submit your news, tips and story ideas for the insurance blog.
