3 Unexpected Factors That Can Impact The Cost Of Your Homeowner’s Insurance

From the classic three bedroom, two bath layout to a big backyard or updated kitchen, there are several must-have features on almost every home buyer’s list. Unfortunately, there are other factors that many home buyers overlook, and doing this can wind up costing them hundreds or thousands of dollars: the potential cost of homeowner’s insurance. Here are three unexpected factors that can affect the price of your homeowner’s insurance – and what you can do to save more money:

Your Home’s Proximity to a Fire Hydrant and Fire Station

One of the simplest factors that can have a huge impact on your homeowner’s insurance premiums is often the most surprising to first-time buyers: how close the home is to a fire hydrant or fire station. Basically, in most cases the further your home is from a fire hydrant or fire station, the more you will pay for insurance.

Keep this factor in mind while shopping around for houses, and don’t be afraid to ask your realtor to find properties that have a hydrant on the same block. If you already have a house in mind, and the house is a few blocks away from a hydrant and a few miles away from a station, look for other ways to save.

From bundling your homeowner’s insurance with your car insurance to raising your deductible, there are other ways you can save big money on your monthly premiums.

Your Choice of Pets

According to the Canadian Animal Health Institute, approximately 34 percent of all Canadian households own at least one dog. If you are a proud dog owner, you may not realize that moving into your new home with your beloved pooch can actually raise your homeowner’s insurance rates.

Many insurance providers have a list of dog breeds that are considered “aggressive,” meaning that they are more likely to cause damage, which in turn will devalue the home. More importantly, these dogs breeds are often associated with biting or even killing individuals, which in addition to being devastating, can also be very costly for your insurance provider. However, if you own one of these dog breeds, don’t assume that you need to give up the furriest member of your family.

Instead, ask your insurance provider about ways you can keep your dog without raising your premiums. For example, many insurance providers will ask you to supply a document that states your dog is trained. This will make the dog appear more of an asset than a liability because it can guard your home and family!

Your Credit History

Your credit history and score will have a dramatic impact on just about every aspect of your finances and life, including how much money you will pay for your insurance premiums. Your insurance provider will use several aspects of your credit history, including credit usage and payment history, to determine your risk.

Basically, the lower your credit score, the higher the risk, which translates into a more costly monthly insurance premium. Luckily, there are several things you can do to help raise your credit score prior to purchasing a home.

For example, avoid making any large purchases before you buy a home. Buying a car or putting a vacation on your credit cards will raise your debt-to-income ratio, which in turn will lower your credit score.

Paying down your credit cards, paying off old bills and paying your bills on time are other simple ways to quickly raise your credit score.

From your dog’s breed to your credit score and history, there are several factors that will affect how much you pay for homeowner’s insurance. If you’re considering purchasing a home, don’t hesitate to contact your insurance provider to learn how you can save money on home insurance in Hamilton

New Food Trucks: 4 Types Of Insurance Coverage To Add To Ensure You’re Protected

Purchasing a new food truck is like owning a business on wheels. So as you travel to your parking destinations, it’s important to protect the business in case of any accidents or injuries. One way to offer extra protection is through auto insurance coverage. Along with a standard policy, there are four additional coverage options you can add to your food truck. These specific coverage options will help protect multiple aspects of your food truck business. The investment in insurance can go a long way in making sure that your food truck thrives and is ready to handle any crisis along the way.

Comprehensive Coverage

One of the more common options that you can increase for your food truck is comprehensive coverage. The main reason to get comprehensive coverage is because it can protect your food truck for any damage that is not associated with a car accident. For example, one of the main categories that comprehensive coverage can help you with is fire damage. If a cooking fire damages the vehicle, a comprehensive coverage package can help pay for the repairs and restoration of the food truck. This option also covers vandalism, weather damage, and animal damage.

Personal Property Coverage

Aside from the food truck itself, the cooking and prep items you have inside are typically some of the most expensive items that you’re transporting. If your food truck is involved in an accident that destroys these items, then you will want personal property coverage to help pay for the damage. This type of insurance coverage is used to value your food truck property and reimburse you for it if it is destroyed. When signing up for this coverage, an insurance agent will value your food truck items and give you an estimate on monthly costs.

Property Damage Liability Coverage

When driving and parking a food truck everyday, you’re eventually bound to run into small hazards or curbside incidents. These non-car related accidents can be covered through property damage liability coverage. For example, if your food truck hops a curb and damages a street post, this insurance coverage option will help pay for the damages and costs. Additional roadside hazards like street signs, fire hydrants, and sewer grates are all included through this coverage option.

Along with public street items, this type of coverage can help with privately owned property damage. For example, if your food truck is hired to park at a baseball game and you accidentally damage some fencing, the insurance coverage will help pay for the costs. The total amount that is covered will depend on the deductible that you agree to pay for.

Custom Equipment Coverage

After purchasing your food truck, you will likely upgrade the features to customize it and make it your own. These features may not be covered with a standard insurance plan, but they can get protected through custom equipment coverage. Typically, audio and video equipment are insured through this coverage option. On a food truck, this can include loud speakers to call out order numbers, LED screens to display menus, or even tablets used as digital cash registers. If any of these items are damaged on the truck, you can get reimbursed and easily replace them to keep your food truck business running smoothly.

When signing up for this coverage, it’s important to list the exact type of equipment you have and showcase the value by providing receipts. This allows you to have the best coverage and right amount of money to properly replace the equipment if it is damaged.

Talk with an insurance agent, such as an insurance broker at Hillis Insurance Agencies Ltd, to get quotes and figure out the exact details for your food truck. This will ensure that everything is properly insured.

The 5th Cranium Nerve: What Every Dentist & Oral Surgeon Needs To Know

If you work in a dental office, whether as a dentist, oral surgeon, or hygienist, it’s important to understand the various cranial nerves that could be affected by dental treatments, surgeries, and procedures. Damage to the nerves in the oral cavity could result in serious health implications for your patients.

And problems with these nerves can mimic dental conditions, which can lead to misdiagnoses. In fact, 33.6% of trigeminal neuralgia patients have been misdiagnosed with dental problems by a dentist. Given the placement of these nerves and their proximity to dental work, it’s important for your practice to carry dental malpractice insurance. Here’s what you need to know. Check it out below. 

The branches of the 5th cranial nerve

There are 12 cranial nerves. The nerve that is most commonly affected by dental work is the 5th cranial nerve, which is also called the trigeminal nerve. It is called the trigeminal nerve because it has three branches, one of which is located in the oral cavity and is called the mandibular nerve.

The mandibular nerve also has branches which includes the inferior alveolar nerve and the mylohyoid nerve. The inferior alveolar nerve is the nerve that provides sensation in the gums and teeth. The mylohyoid nerve provides motor function to the mylohyoid muscle and the digastric muscle. The mylohyoid muscle is located in the floor of the oral cavity, underneath the tongue. The digastric muscle is a small muscle underneath the jaw.

Symptoms your patient may have from nerve damage

Given the location of the mandibular nerve branch of the trigeminal nerve, which is in the oral cavity, any damage to this nerve can be problematic for the patient. A damaged nerve can cause your patient to experience strange tastes and sensations, severe pain, and/or facial paralysis. Any of these symptoms can cause a patient to have difficulty continuing their lives as they were before the nerve was damaged.

One of the most severe problems associated with damage to a branch in the 5th cranial nerve is called trigeminal neuralgia. This condition has been referred to as the suicide disease by many in the medical community. People with this condition often find themselves suffering with pain for the rest of their lives as there is no cure. However, there are a few treatments available to alleviate the pain, including microvascular decompression of the 5th cranial nerve, which is an intensive brain surgery.

The importance of screening prior to dental work

It’s important to note that the branches of the 5th cranial nerve can be damaged in ways other than through dental work. Sometimes, heredity plays a role as well, but the patient may not feel any symptoms until later in life. Therefore, screening your patients prior to dental work is important, especially before deep anesthetic injections, oral surgery, root canal treatments, dental implant placement, and wisdom teeth removal.

To test for the sensation of the branches of the trigeminal nerve, lightly touch the patient’s face in the three regions that can be affected by damage to the nerve, which are the mandibular, maxillary, and ophthalmic area. If the patient experiences pain or flinches to the touch, refer the patient to a neurosurgeon before you do any dental work on them. The reason for this is to protect yourself from a dental malpractice lawsuit in case the patient is already affected by an undiagnosed trigeminal neuralgia.

For the motor part of the nerve network, you’ll need to test the muscle groups that are involved, which are the mylohyoid and digastric muscles. These muscle groups help control chewing, swallowing, and speaking. To determine if these muscles are functioning properly, ask your patient to move their tongue to the roof of their mouth and to both sides. The tongue should move fluidly without any problem. If there is cause for concern, refer the patient to a neurologist before continuing with dental treatment.

Entering The World Of Multi-Level Marketing? What Insurance Coverage Do You Need?

Multi-level marketing (MLM) is a business model that has recently skyrocketed in popularity. MLMs have even been deemed the answer to financial independence for those who can’t yet afford to retire. If you’re interested in developing an alternative stream of income by engaging in direct sales of jewelry, cosmetics, home goods, or other products, you’re probably eager to begin and may have already ordered your starter package. However, despite its relatively low barriers to entry, an MLM is still a business — and you’ll need to consider whether your current home and auto insurance coverage will fully compensate you for any theft, damage, or other losses you suffer while performing business-related activities. Read on to learn more about the potential types of insurance coverage you may need before officially launching your business.

How can running an MLM out of your home impact your insurance coverage?

When you first purchase an auto insurance policy, you’re required to provide a great deal of information on yourself and your projected use of your vehicle. Those who have long daily commutes generally have higher insurance rates than those who indicate they use their vehicles only for pleasure; and those who transport cargo or passengers may be subject to higher rates as well.

It can be tempting to downplay the use of your vehicle as a means of keeping your insurance premiums low. However, doing so could prevent you from receiving coverage for loss or damage if you were engaging in an activity not specifically contemplated by your insurance policy. For example, if you were rear-ended while transporting product and your cargo was irreparably damaged, your auto insurance may compensate you only for the damage to your vehicle and any medical expenses — not the cost of your lost product.

By that same token, if your product is damaged after your home is burglarized or suffers fire, flood, or another natural disaster, you’re unlikely to receive extra compensation for this loss unless you specifically added these products to your policy through a coverage rider. While your homeowners insurance will cover damage to your home’s structure or the loss or theft of personal items, from furniture to electronics, business products are often excluded from homeowners coverage.

What types of coverage do you need to best protect your MLM business?

Before you officially launch your MLM business, it’s important to speak to two people — an insurance agent and a tax accountant. Your insurance agent will be able to go through your various coverage options to help protect you against all possible scenarios. Depending upon the specific type of product you’re selling, you may be able to get by with only small changes to your current coverage, especially if you don’t keep much product on hand and only host parties at others’ homes.

In other cases, commercial insurance coverage may provide you with the level of protection you need. If you regularly use your vehicle to transport customers, or host product parties at your home, you’ll likely benefit from the higher payout levels and more personalized coverage available through a commercial policy, rather than trying to tweak your personal policies to fit a commercial purpose.

Finally, visiting a tax accountant before or shortly after you launch your MLM business will help you find out whether any additional insurance coverage is an expense that’s deductible against your income taxes. You may be able to use the cost of coverage as a business expense to offset any profit, lowering your overall tax rate. Because of this, spending money on a higher level of insurance coverage can often be a net gain.

Reasons You Should Have Tenants Insurance

Do you have insurance on your rented home or apartment? There’s a good chance that you don’t, since the Insurance Bureau of Canada says that about half of all renters don’t have tenants insurance, and younger renters are especially likely to be lacking in insurance. If you’re one of the renters that doesn’t have any insurance, take a moment to find out why it’s so important to consider purchasing a tenants insurance policy.

You Could Be Evicted

In some cases, it’s possible that you could be evicted for not maintaining tenants insurance. Your landlord may be concerned about his or her own liability, and prefer to have tenants who do carry tenants insurance. It can be tricky to decide whether or not a tenant should be evicted for not having insurance, and it’s really up to the judge who decides the case. Do you really want to take the chance?

Even if you’re not evicted, a lack of insurance can prevent you from renting your next apartment. Many landlords will ask to see proof of tenants insurance before they rent to you.

Your Stuff Adds Up Quickly

A common reason for renters not to purchase insurance is the feeling that they simply don’t have a lot to insure. But if you walk around your house and add up what you do have—and if you picture yourself trying to replace it all—you may find that it adds up to more than you think. Your electronics alone can be worth a lot of money. Could you afford to replace your cell phone, laptop, and tablet immediately if they were stolen or damaged?

Then on top of that, you have all of your clothing, books, furniture, and any appliances that belong to you. Your landlord’s insurance policy won’t cover any of your belongings in the event of a break-in or an accident. You need your own insurance policy for that.

You Can Be Held Liable For Injuries

Just because you don’t own the property doesn’t mean that you can’t be held liable for any injuries on the property. You’re the one living there, so you can be held responsible for an accident or injury. If a plumber comes to the house to fix a pipe and trips over your dog, he or she could sue you for the resulting injury. If you leave a candle burning at night that starts a fire, your landlord could sue you for the damage to the property, and other tenants could sue for the damage to their property if their units are affected.

Tenants insurance covers liability issues, so instead of having to pay out of pocket for the plumber’s broken ankle or the fire damage, your insurance policy will pay for the damage. That could save you a lot of money.

Things Outside Your Home Are Covered Too

Many people don’t realize that tenants insurance covers things outside the home as well as inside the home. For example, if you leave your laptop in your car, and it gets stolen, your car insurance may not cover it. However, your tenants insurance probably will, because it’s considered property that’s included in the contents insurance.

Is your apartment to small for all of your stuff? Tenants insurance may also cover items that you store off-site in a storage unit as well. If your unit floods, breaks down, or is burglarized, your tenants insurance will pay to replace it.

Take the time to talk to a few different insurance brokers to find a tenants insurance policy that works for you. You may be able to save money by going with the same insurance company that insures your car and bundling the two policies. Not only is getting tenants insurance the responsible thing to do, it could save you a lot of money somewhere down the road. Click here for more info about this and other available insurance covers.

5 Surprising Methods To Cheaper Auto Insurance Without Increasing Your Deductible

Getting cheaper auto insurance isn’t just about increasing your deductibles or shopping around for the best rate. Most car insurance companies offer hidden discounts for certain things, such as the make and model of the car you drive, or getting rid of certain coverage on older vehicles. Here are 5 surprising methods to reduce your auto insurance rates that you never knew about. 

1. Take a Driver’s Safety Course

Even if you’ve been driving for years, taking a driver’s safety course within the last 3 years can lead to lower car insurance premiums. Simply put, insurance companies look at drivers who have recently completed a safety course as safer drivers, and thus give them lower insurance rates. Keep your insurance payments as low as possible by signing up for an approved driver’s safety course every three years, whether you are a new driver or have had your license for several decades. 

2. Check How Risky a Car Is Before Making a Purchase

The make and model of your car plays a big part in how expensive your auto insurance will be. The fact is, some cars are considered riskier than others. While you may not be able to do anything about the car you already have, it’s wise to check how risky an insurance company considers a car to be before you purchase a new one. The Vehicle Information Centre of Canada can help you determine if your car is more likely to be stolen or involved in an accident, and can help you find a car that doesn’t increase your insurance rates or even lowers them.

3. Drop Collision Coverage for an Old Car

If you have an older car, it may be worth it to look into what the real value of the car is and determine if it would be beneficial to drop the collision coverage. For example, if your car’s total worth is $1500 and your policy has a $2,000 deductible, you’ll be stuck paying out more than the car is worth if you get into an accident. Plus, you’re paying extra for the collision coverage every month. 

4. Reduce Your Car’s Annual Mileage

How much you pay every month in premiums depends largely on how much you drive your car every year. By reducing the amount you actually drive your car, you may be able to cut down your insurance payments. Consider taking public transportation or carpooling to work whenever possible, and adjust your insurance policy for the reduced mileage. 

5. Put in an Anti-Theft Device

Many auto insurance companies offer discounts for vehicles that have an anti-theft devices installed. Many newer vehicles come with a factory installed, approved anti-theft device, so be sure to check with your insurance company to determine if you’ve received a discount for that based on the make, model and year of your car. If you do not already have a factory installed anti-theft device, it may save you money in the long run on your insurance premiums to invest in one and have it put in by a professional.

There are many different ways you can save on your car insurance without increasing your deductible. You can still get the coverage you need without the extra cost by looking for creative ways to save, such as taking a driver’s safety course every three years, or only purchasing vehicles that will get you the cheapest rates. Contact your auto insurance company, like Preferred Insurance, today to find out if there are any other discounts that can be applied to your policy or other ways you can save money every month on your car insurance. 

Don’t Overlook Your Safety When Planning Vacations: Tips For Buying Travel Health Insurance

As the end of the year approaches and vacation time builds up, many people start thinking about planning trips before the start of the next fiscal year. If you are planning to cash in your two to three weeks of vacation time in the coming months, you should make sure that you have travel health insurance. By planning ahead, you will be able to reduce your risk of significant medical costs in the event of an accident or illness. Here’s a look at what you need to know to make sure that your travel health insurance policy will give you the coverage that you need.

Read the Fine Print

Read the policy declaration carefully so that you will know if there are any eligibility requirements that you must meet or any restrictions that could be a problem. For example, you may have to be traveling for a certain number of days before the coverage takes effect, or you may only have coverage as long as you are traveling inside Canada.

Ask how long the policy will be in force for. You can choose the period of coverage that you need for your policy so that it covers you for not only the entire trip, but also your initial travel day and your return day. Clarify exactly when the policy goes into effect, too, so that you know exactly when you are covered.

Follow the Money

Make sure that you understand the policy’s payment process. If it’s a reimbursement policy, you’ll need to pay the medical expenses up front and then submit the bills for reimbursement. This can save you on the premiums in some cases, but you’ll have to be sure that you have money on hand to pay for medical care up front if you need it.

Honesty is Essential

When you apply for travel health insurance, you’ll have to answer a lot of questions about your medical history. One of the biggest reasons for claim denial is inaccurate information provided on the medical history reports. You have to make sure that you answer every question honestly. If you are unclear about a health question, you should talk with your doctor.

You’ll also have to tell your travel insurance provider about any changes to your health and medications between the time that you apply for coverage and the time you leave for your trip. If you don’t provide updated information when something changes, you’ll face coverage denial if something happens while you’re away.

Ask About Going Global

If there’s any chance you might cross the border, even if you’re just looking at a day trip to a tourist destination, you’ll want to make sure that your travel health insurance policy will extend coverage to you outside of Canada.

No matter how short your trip out of the country may be, you are vulnerable to injuries, accidents and illnesses. It’s in your best interest to be as proactive as possible about coverage for your trip. The cost of emergency transportation back across the border can be significant, and your local insurance policy isn’t likely to extend coverage out of the country without specific policy terms permitting it.

High-Risk Sometimes Means No Coverage

If you thrive on adrenaline and you’re looking for the most extreme, dangerous or adventurous vacation you can have, you’ll likely need to purchase a special policy for your travel health insurance. Most standard policies will not extend coverage for what they consider “high risk” behavior.

Instead, you can expect to pay a higher premium for the additional risk, and you’ll probably have to provide some idea of the activities you plan to engage in. The insurance company will rate your policy based on the likelihood of injury or accident, so the more extreme your plans, the more your policy may cost you.

Don’t neglect sharing this information, though. If you decide you’re going to go bungee jumping without high-risk coverage and you get hurt, your insurance carrier may have the right to refuse coverage for any injuries.

The chances of suffering an accident, illness or injury on your vacation are slim, but not non-existent. As a result, you should make sure that you protect your health and your financial interest by looking for a health insurance policy to protect you while you’re on the road. With the information presented here, you can start the shopping process with sufficient information to choose the right policy for your needs.

Planning An Elaborate Wedding? Don’t Forget Event Insurance

Planning a huge, elaborate wedding takes time and a lot of money. If you are in the process of planning your upcoming wedding and are worried about all the money you are spending, you may want to talk to an insurance company about purchasing a special event policy. This type of insurance will protect you from so many things, and you can choose a custom policy that protects you against everything you could possibly think of.

What is Special Event Insurance?

Insurance companies sell polices of protection, and you can buy policies to protect almost anything you may have. In exchange for the cost of the policy, the insurance company promises to pay you if you experience any type of loss associated with the coverage.

When it comes to special event insurance, you purchase a policy to protect the money you spend for your big day. Imagine if you spent thousands of dollars to make this a dream wedding, but then something went wrong before or during the event. You could end up losing every dime you spent, and you would have no way of recovering any of it. That is where special event insurance can help.

What does it Cover?

The thing about special event insurance is that you can pick and choose the types of coverage you want. Some of the coverage options include:

  • Liability – if any of your guests cause damage to the property at the ceremony or reception, the insurance will cover the costs of the damage.
  • Vendor – adding vendor coverage will protect you against any vendor that doesn’t show up as scheduled. It will also provide you with coverage to obtain the necessary goods the vendor was supposed to provide. Imagine if your photographer damages all the photos taken during your special day. Vendor coverage would offer compensation to you for this.
  • Cancellations – if you, any family members, or any of the bridal party hurts themselves and cannot be at the wedding, the policy will kick in. This coverage also includes cancellations due to family emergencies. If your mom suddenly dies and you must fly to her funeral on your wedding day, you would have to cancel the entire event.
  • Weather – with outdoor weddings, there is always a chance the weather will be bad and will cause problems with the wedding.
  • Clothing and jewelry – you can also get coverage on the items you will be wearing. This covers problems with your wedding dress, shoes, and all the jewelry items you will wear during the event.
  • Deposits – if you have deposits on your DJ, caterer, hall, or anything else and the wedding is cancelled, you will receive these back with insurance coverage.

You can literally get insurance protection on anything related to the event. While the insurance compensation will not replace anything you lose, it will at least cover the costs of your losses, and you may receive extra money for the emotional losses you experienced from this.

What Type of Compensation Does it Offer?

While event insurance cannot make up for problems you experience before, during, or after your event, it does provide monetary compensation for your troubles. When you choose your policy, each item will have a specific amount of coverage. If you have to make a claim on the policy, it will provide you with the monetary coverage for the items that were lost.

The main point of this is to provide some sort of compensation to you for your losses, but there are limitations. Event insurance cannot:

  • Help you recover lost pictures because of the photographer’s mistakes
  • Provide you with a new last-minute caterer to provide you with food for your guests
  • Offer a new wedding dress minutes before the event
  • Give you a sunny day in the middle of a storm

The list can go on and on, but you should realize that this monetary compensation will allow you to pay for:

  • A new photographer to provide pictures of you and the wedding party at a later date
  • The most expensive (or only) caterer you can find at the last second
  • Deposits that are needed due to rescheduling your event because of cancellations
  • An entire wedding if the event must be rescheduled

These are the things you may want to consider as you think about purchasing an event insurance policy.

Do you Need it?

While this is not an extremely popular type of insurance, it is something that you should consider if you are worried about the costs of your wedding. You can choose the types of coverage you would like, and you will have to pay the premiums in advance.

If you do decide to get this, make sure you contact an insurance company in advance. Some insurance companies may require a notice of at least two weeks, but others may require a longer amount of time.

This type of policy will cost around $450, but the price varies depending on the type and amount of coverage you need. It also depends on the insurance company you choose.

Protect your money and your future by talking to an insurance agent about special events insurance. This is an important thing to think about, and it could save you thousands of dollars. For additional information, contact Dyke Insurance.

What To Do If Your Insurance Won’t Cover Your Prescription

What do you do if your doctor prescribes you a medication that you really need, but your insurance won’t pay for it? Some medications can be very expensive, and you need that insurance coverage to be able to buy it. If the medication is very cheap, you can choose to just pay cash. However, if it is going to cost more out of pocket than you can afford, you need to take other actions. Here are three ways to get around an insurance denial on a pharmaceutical prescription.

1. Ask Your Doctor for Samples

Most doctors are aware of the high price of most prescription drugs. They also know that some patients will be told by their insurance that the drug is not covered. Many doctors keep samples of certain drugs around the office just for this type of occurrence.

Drug company representatives drop off samples with doctors all the time. They do this to encourage the doctors to recommend the drugs to their patients. If you have a sympathetic doctor, you can ask if samples are available to get you through.

Most doctors will be accommodating. Some will even continually give you samples, if you will need the drug long-term. Samples are free, so be sure to call your doctor and ask for them if your insurance turns you down.

2. See if the Drug Manufacturer Participates in a Financial Need Program

According to RXAssist.com, some very expensive drugs are part of financial need programs sponsored by the drug’s manufacturer. If you show the manufacturer proof that your insurance will not cover the drug, and provide financial information that shows you cannot pay for it on your own, you may be able to get it for free.

If you do qualify for a financial need program for a certain drug, it will usually be for a year at a time. After that, you will need to go through the application process again if your insurance or financial circumstances have not changed in that time.

Some people continually qualify for financial assistance with their drugs year after year. If you don’t know if your drug has a financial assistance program, look it up online or ask your doctor. Information on assistance programs and how to apply is readily available in both places.

3. Appeal the Decision to Your Insurance Company

Most insurance companies, like umbrella insurance through Underwriters, have an appeals process you can use if your claim was denied. With prescription drugs, you will typically need to get a letter from your doctor stating exactly why you need this particular drug (as well as why no substitute drug will do in your case). You might need to send in copies of your medical records, as well.

Once the insurance company looks over your doctor’s letter, assesses the doctor’s reasoning, consults with their own doctors on the matter, and looks at your medical records, it may give you a waiver. The waiver is a statement of approval for coverage of the drug for a specific period of time.


Just because your insurance company denies coverage for a particular prescription drug doesn’t mean you won’t be able to get it. All you have to do is get a little creative with the other options you choose. The important thing to remember is that there are definitely other options out there.

Your doctor is the first person to ask about alternatives for getting your prescription if your insurance won’t pay for it. Doctors are fountains of knowledge on workarounds for these situations.

Your insurance may also be able to be convinced to make an exception and pay in your case. Don’t give up, take action, and your prescription drug can be in your medicine cabinet without you having to pay a fortune for it.

6 Crucial Steps To Follow After A Rental Car Accident

If you were involved in a car accident in a rental car, you may be wondering what to do next. How you proceed after a rental car collision is different from an accident in your own car, and treading carefully is key to avoiding problems later on. Follow these six suggestions to properly report the accident and protect your rights.

1. Call 911 If There Were Any Injuries

If you or another person were injured in the accident, call 911 as soon as possible. Serious injuries will be treated by an ambulance on the scene, while minor injuries can be treated by the emergency room or family doctor after the collision. Once your medical condition is stable, it’s time to tackle the issue of insurance and accident coverage.

2. Call the Police

If no one was injured in the crash, your first step should be to call the police and begin filing an accident report with your local law enforcement office. Recount the details of the accident to the police in a matter of fact way, without offering an explanation of what you think the cause of the accident was or admitting fault at all.

3. Take Photos of the Crash

It’s important to have two types of photo documentation after a rental car crash. First, you’ll need photos of the accident illustrating the position your car was in when the crash occurred. Then, you’ll want to take close up pictures documenting in detail the damages to the car. Use your smartphone or camera at the scene to take as many pictures as possible. You may also want to consider writing down what you remember in a notepad in case the facts of the accident seem confusing later.

4. Contact Your Rental Car Agency

This is an extra step that must be taken after being involved in a rental car accident as opposed to an accident in your own car. Once the crash report is filed with the police, you will need to contact your rental car agency immediately to fill out an accident report with them. If you purchased additional insurance for your rental car, paperwork may be all you need to do. The rental car company may cover the accident in its entirety, depending on the specifics of the insurance policy you purchased. Never wait until your rental agreement is up to report damage—instead, always report damage to the rental car as soon as possible after the collision.

5. Contact Your Car Insurance Company

If you own a car with an insurance policy, it may cover you while you are driving the rental car. After the crash, contact your own insurance company, like Eisenhauer Insurance, to determine what additional coverage you might have through your current car insurance policy. If they will cover all or a portion of accident related expenses, you’ll need to fill out a crash report with them as well.

6. Call Your Credit Card Company

If you used a major credit card to pay for your car rental, you may also have additional accident coverage there. Contact your credit card company to determine if they will pay towards the accident claim, and if so, find out what paperwork you need to fill out or what steps you need to take to submit the claim to them.

Being involved in an automobile accident is frightening, but being in a collision while renting a car can be exceptionally nerve-wracking. However, if you follow these six steps after being in a rental car accident, you can help reduce the long term impact that the crash may have on your family and your finances.