http://www.campbell-ins.net/blog/View Campbell Insurance Services's Website Blogen-uspostmaster@www.campbell-ins.netInsurance Website Builder - www.insurancewebsitebuilder.comurn:uuid:6ea6922e-90cf-4de1-a502-0fef2a599491urn:uuid:12c673a3-76ce-440d-b096-2f9e16d8924715 Ways to Save on your auto insurance: Safe Drives 45% or more Early Signing 10% Multiple Policies 10% Deductible Rewards $100 off New Car up to 30% Good Student up to 20% Defensive Driver up to 10% Passive Restraint up to 30% Anti Lock Brakes...Fri, 17 Feb 2012 12:42:20 -060015 Ways to Save on your auto insurance:<br /> <br /> Safe Drives 45% or more<br /> Early Signing 10% <br /> Multiple Policies 10% <br /> Deductible Rewards $100 off<br /> New Car up to 30%<br /> Good Student up to 20% <br /> Defensive Driver up to 10% <br /> Passive Restraint up to 30% <br /> Anti Lock Brakes up to 10%<br /> Anti Theft Device up to 10%<br /> Full Pay 10% Savings<br /> EZ Pay 5% off<br /> Resident Student&nbsp; up to 30%<br /> 55 &amp; Retired up to 10%<br /> Farm or Ranch<br /> Hybrid Vehicle 20%urn:uuid:128793a4-468b-460f-9b06-c6e4b4b0025cMedical Payments Coverage 101 &nbsp; When you're reviewing your auto insurance coverage&rsquo;s and options, you may want to toss the Medical Payments piece into the mix. This optional coverage offers wide-ranging protection within a number of accide...Fri, 27 Jan 2012 08:40:25 -0600<h3><b><span style="font-family: times new roman; font-size: 13.5pt;">Medical Payments Coverage 101</span></b></h3> <p>&nbsp;</p> <p><span style="font-family: times new roman; font-size: 11pt;">When you're reviewing your auto insurance coverage&rsquo;s and options, you may want to toss the Medical Payments piece into the mix. This optional coverage offers wide-ranging protection within a number of accident scenarios: an accident involving the insured vehicle; an accident when you're traveling in another person's vehicle; and even, unfortunately, if the policyholder or a family member is hit by a car while walking.<br /> <br /> Here's another important item to note: medical payments coverage protects your passengers, and any family members driving in the insured vehicle at the time of the accident.<br /> <br /> Many people assume they don't need medical payments coverage within their auto insurance policy if they're covered by an employer-sponsored health plan or other health plan coverage. </span></p> <p><span style="font-family: times new roman; font-size: 11pt;">But here's something to think about: if your health plan carries a deductible, medical payments coverage can help pay for your deductible - or even cover it completely.<br /> <br /> Remember, too, that your health plan's coverage may not extend to your passengers at all.<br /> <br /> Medical payments coverage is typically available in several coverage levels, including $1,000, $5,000, $10,000, $25,000, $50,000, and $100,000. And it's typically one of the least expensive auto insurance options, adding only a few dollars to your monthly premium.</span></p> <h3><b></b></h3> <h3><b><span style="font-family: times new roman; font-size: 13.5pt;">What Exactly is Covered - and When?</span></b></h3> <p>&nbsp;</p> <p><span style="font-family: times new roman; font-size: 12pt;">Medical payments coverage typically helps pay for: </span></p> <ul style="list-style-type: disc;"> <li><span style="font-family: times new roman; font-size: 12pt;">Doctor visits </span></li> <li><span style="font-family: times new roman; font-size: 12pt;">Hospital visits and/or stays </span></li> <li><span style="font-family: times new roman; font-size: 12pt;">Surgery </span></li> <li><span style="font-family: times new roman; font-size: 12pt;">X-rays </span></li> <li><span style="font-family: times new roman; font-size: 12pt;">EMT &amp; ambulance fees </span></li> <li><span style="font-family: times new roman; font-size: 12pt;">Professional nursing service and care </span></li> <li><span style="font-family: times new roman; font-size: 12pt;">Prostheses </span></li> <li><span style="font-family: times new roman; font-size: 12pt;">Funeral costs </span></li> </ul> <p><span style="font-family: times new roman; font-size: 12pt;">As for who's covered, it's important to understand that if you choose the medical payments option within your policy, it generally covers medical expenses no matter who's found to be at fault. It covers you, your passengers, and any family members driving the insured vehicle at the time of the accident.<br /> </span></p>urn:uuid:fa1e3d5e-7da1-4ad9-bf53-f26e01ca88eeReporting an Auto Insurance Claim We all buy car insurance with a silent plea on our lips as we pay for our premiums&mdash;Please don&rsquo;t ever let me actually need the benefits this policy offers. Unfortunately, a small percentage of the popul...Wed, 30 Nov 2011 09:07:11 -0600<p><strong>Reporting an Auto Insurance Claim</strong> <br /> <br /> We all buy car insurance with a silent plea on our lips as we pay for our premiums&mdash;<em>Please don&rsquo;t ever let me actually need the benefits this policy offers.</em><br /> <br /> Unfortunately, a small percentage of the population does have to use their auto insurance policy and place auto insurance claims. <br /> <br /> If you need to place and auto insurance claim, there are some things you can do to make this process easier and more efficient for you.</p> <ol style="list-style-type: decimal;"> <li>Call your agent. Agents are there to make this process easier for you. One phone call to your agent and you can take yourself out of the picture for much of the paperwork and claims coordination. Your agent will ask you about the accident (some may even visit the scene) or incident surrounding the claim and file paperwork for you. Not only is this less time consuming for you but it&rsquo;s a great way to make sure the paperwork is done correctly.</li> <li>Call your insurance company. If your agent is unavailable you can call the toll free claims line of your insurance company. A company representative will be on the line to help guide you through the process. If you want updates and further requirements to be communicated to you through your agent, be sure to let the insurance company know so they can put this information in their system.</li> <li>Have all information handy. Before you make your claim with the insurance company or your agent, make sure you have all the pertinent information with you. You should have your policy number, the insurance and contact information of any other person involved in the claim, the details of the event that caused the claim, police reports and pictures. If you were not there when the claim happened, make sure you have all the information about how you found the car and the damage.</li> <li>Make a copy: Make a copy of the claim paperwork and all supporting documents before you submit them to the insurance company. </li> </ol> <p>If you have any doubt that you will not be able to remember important details pertinent to the claim, make sure that you write them down as soon as possible after the incident. You can hold on to this paper in the event that future questions arise that you don&rsquo;t remember the answers to or you can include the statement in your claim. </p>urn:uuid:9ffea457-37de-4956-9c67-bc1565dd92de Life Changes - When to Review Your Insurance Coverage Insurance is a static product&mdash;but it shouldn&rsquo;t necessarily be. Your insurance plan should be dynamic and should respond to the changes that you go through over the course of your lif...Fri, 04 Nov 2011 15:06:54 -0500<div style="font-family: arial;"> <p><strong>Life Changes - When to Review Your Insurance Coverage</strong><br /> <br /> Insurance is a static product&mdash;but it shouldn&rsquo;t necessarily be. Your insurance plan should be dynamic and should respond to the changes that you go through over the course of your life. But the only way for your insurance policies to be dynamic is for you to review them regularly so that you can ensure that they keep up with the pace of your life. Here are six different life events that should prompt you to review your insurance coverage and come up with a more fitting plan.</p> <blockquote style="margin-right: 0px;" dir="ltr"> <p><strong>College graduation:</strong> When you graduate college, you might not have much more than an auto insurance policy. But this is the time to consider life insurance and, if you move into your own apartment, a renter&rsquo;s insurance policy. After college you will probably have a lot of debt to deal with. A life insurance policy will ensure that your family isn&rsquo;t responsible for the debt that you leave behind. Renter&rsquo;s insurance will protect your contents from possible damage and will protect you from liabilities if anyone is hurt in your home, because the last thing a new college graduate needs is a lawsuit form someone who is injured in their apartment or the expense of replacing items damaged during an insurable incident. <br /> <br /> <strong>Getting married:</strong> As a Newlywed you face the challenge of adjusting to the idea you are now, and will be, part of united partnership. You are no longer a single individual trying to make your way through the financial pitfalls of life. You must now consider joint expenses, joint financial responsibilities and a joint future. You may need to increase your life insurance death benefit while changing your primary beneficiary, talk about changing the limits and deductibles on any renters or homeowners insurance policies since living together could double the value of your personal contents, add your spouse as a driver to your auto insurance policy and consider an umbrella policy to fill any liability gaps you might have. <br /> <br /> <strong>Having a baby:</strong> With a new baby on board, your life is going to change completely&mdash;and so are your insurance policies. This is a good time for you and your spouse to increase your life insurance death benefits, adjust your contingent beneficiaries to whomever will get custody of your child should you both pass away, increase the limits on your homeowners or renters insurance and even consider reducing your deductibles so that you have fewer out-of-pocket expenses to worry about. You also should consider adding a life insurance policy for your child so that you can lock in rates that they will still be able to pay once they have children of their own. <br /> <br /> <strong>Moving:</strong> When you move to a new home or apartment, you must consider the new area you live in and any additional risks it might bring. You must also think about any new furnishings you will be adding to your new residence and the possible increase in insurance limits they might require. Lastly, consider any new debt you&rsquo;ve taken on in the move and adjust your life insurance policy to account for that. <br /> <br /> <strong>Changing careers:</strong> If you change careers, you might have a longer drive to work which could require an adjustment to your auto insurance policy. In addition, if your income has increased along with the change, then you will need more life insurance coverage. If your new career involves working from home or for yourself, then you have new liability issues that your homeowners insurance policy will not cover, so you need to make the proper adjustments there as well. <br /> <br /> <strong>Divorce:</strong> The ending of any relationship is sad and requires a lot of lifestyle and emotional adjustments. But it also requires some adjustment to your insurance policies. You might need more life insurance coverage depending on how much debt you are left with after the divorce and depending on your future childcare needs. You also need to adjust your life insurance beneficiary information. Your homeowners or renters insurance may need some changes in deductibles and limits and you might want to consider adjusting your auto insurance coverage especially if the divorce results in your driving more to see your children, driving further to work or simply being forced to drive around more often during the course of the day.</p> </blockquote>While these examples all give you a starting place for determining when you might need to update your insurance policies, they certainly don&rsquo;t represent every change you could encounter that will result in the need for an updated insurance policy. At a minimum, make sure you review all policies annually to catch any other changes that need to be made along the way. <br /> </div>urn:uuid:bd9a4a0e-7cc6-4662-88c8-0df8e5ce0d93Get an at-a-glance look at the benefits and rewards that come with being an Allstate auto customer. It's our way of telling our customers, "you're the best, and we appreciate you!" http://www.allstate.com/customer-care/good-hands-rewards-default.as...Fri, 09 Sep 2011 07:57:18 -0500Get an <a href="http://www.allstate.com/customer-care/good-hands-rewards-default.aspx" target="_blank">at-a-glance look</a> at the benefits and rewards that come with being an Allstate auto customer. It's our way of telling our customers, "you're the best, and we appreciate you!"<br /> <br /> <br /> <a href="http://www.allstate.com/customer-care/good-hands-rewards-default.aspx">http://www.allstate.com/customer-care/good-hands-rewards-default.aspx</a>urn:uuid:5caf0135-cf01-4cef-b9b2-c44aad1d473eThis is a great site to check out that will help you determine how much stuff&nbsp;you own! http://www.allstate.com/renters-insurance/what-is-renters-insurance.aspxFri, 09 Sep 2011 07:52:15 -0500This is a great site to check out that will help you determine how much stuff&nbsp;you own!<br /> <br /> <a href="http://www.allstate.com/renters-insurance/what-is-renters-insurance.aspx">http://www.allstate.com/renters-insurance/what-is-renters-insurance.aspx</a>urn:uuid:f18ac975-e0cb-48a5-8a73-563fa8818765Travelers wants to make it as easy as possible for you to stay up to date with your policy information. MyTravelers is your online destination for easy access to your Travelers personal insurance account. At MyTravelers you can: &bull; View and pay y...Thu, 11 Aug 2011 16:20:11 -0500<p style="text-align: left;">Travelers wants to make it as easy as possible</p> <p style="text-align: left;">for you to stay up to date with your policy</p> <p style="text-align: left;">information. MyTravelers is your online</p> <p style="text-align: left;">destination for easy access to your Travelers</p> <p style="text-align: left;">personal insurance account.</p> <p style="text-align: left;">At MyTravelers you can:</p> <p style="text-align: left;">&bull; View and pay your bill online</p> <p style="text-align: left;">&bull; View your policy</p> <p style="text-align: left;">&bull; Check the status of a claim</p> <p style="text-align: left;">&bull; Report a claim</p> <b> <p style="text-align: left;">3 Easy Steps to Get You Started on</p> <p style="text-align: left;">MyTravelers today&hellip;</p> <p style="text-align: left;">1) Go to MyTravelers.com</p> </b>Go to MyTravelers.com<b> <p style="text-align: left;">2) Select the &ldquo;Register Today!&rdquo; link</p> </b>Select the &ldquo;Register Today!&rdquo; link<b> <p style="text-align: left;">3) Complete the requested information (Be sure to have</p> </b>Complete the requested information (Be sure to have <p style="text-align: left;">your Travelers policy number on hand for reference)</p> <p style="text-align: left;">Access your Travelers</p> <p style="text-align: left;">Account with MyTravelers.</p> <b> <p style="text-align: left;">MyTravelers</p> <p style="text-align: left;">MyTravelers.com</p> <p style="text-align: left;">Visit MyTravelers for convenient</p> <p style="text-align: left;">access to our online services</p> <p style="text-align: left;">Pay Your Bill Online</p> </b> <p style="text-align: left;">With MyTravelers, you will enjoy the convenience of viewing and</p> <p style="text-align: left;">paying your bill online. You can also view billing details and access</p> <p style="text-align: left;">past billing activity.</p> <b> <p style="text-align: left;">Access Information About Your Claim</p> </b> <p style="text-align: left;">The information you need is at your fingertips. When you log in to</p> <p style="text-align: left;">MyTravelers, you can:</p> <p style="text-align: left;">- check the status of an existing claim</p> <p style="text-align: left;">- report a new claim</p> <p style="text-align: left;">- find a Claim Office</p> <p style="text-align: left;">- find information on our Concierge CLAIM&reg; services</p> <p style="text-align: left;">- find a Repair Shop near you</p> <b> <p style="text-align: left;">Try MyTravelers today!</p> </b> <p style="text-align: left;">&bull; Pay your bill</p> <p style="text-align: left;">&bull; Enroll in one of our automatic payment plans</p> <p style="text-align: left;">&bull; Check the status of an existing claim</p> <p style="text-align: left;">&bull; Report a new claim</p> <p style="text-align: left;">&bull; View your billing activity, payment details and policy information</p> <p style="text-align: left;">&bull; Locate a claim office near you</p> <p style="text-align: left;">&bull; Locate your nearest Repair Shop</p> <p style="text-align: left;">&bull; Find answers to your questions 365 days a year</p> <p style="text-align: left;">The Travelers Indemnity Company</p> <p style="text-align: left;">and its property casualty affiliates</p> <p style="text-align: left;">One Tower Square</p> <p style="text-align: left;">Hartford, CT 06183</p> <b> <p style="text-align: left;">travelers.com</p> </b> <p style="text-align: left;">Access to MyTravelers is limited to Travelers personal insurance policyholders who</p> <p style="text-align: left;">successfully register for an online account. Unauthorized use is prohibited. Information and</p> <p style="text-align: left;">features on MyTravelers are subject to change and may not be available to all policyholders.</p>urn:uuid:99068854-b73a-4223-982d-517446c4f060<img src='http://www.travelers.com/images/CostToRebuild.jpg' align='left' />Understanding the cost to rebuild your home Cost to rebuild Cost to rebuild (reconstruction cost) reflects estimated construction material, labor and equipment costs to rebuild your home while maintaining the same size and quality of construction, a...Tue, 09 Aug 2011 10:02:49 -0500<h1>Understanding the cost to rebuild your home</h1> <img width="245" height="178" style="float: right;" alt="Cost To Rebuid" src="http://www.travelers.com/images/CostToRebuild.jpg" /> <h3>Cost to rebuild</h3> <p>Cost to rebuild (reconstruction cost) reflects estimated construction material, labor and equipment costs to rebuild your home while maintaining the same size and quality of construction, at today's prices.</p> <p><b>Key features that impact the cost to<br /> rebuild your home include:</b></p> <ul> <li>Total living area (square footage of home)</li> <li>Style of home (e.g. ranch, contemporary, colonial, etc.)</li> <li>Exterior wall construction (e.g. frame, brick, etc.), materials and roofing</li> <li>Number of kitchens and bathrooms and quality of materials</li> <li>Garage type (e.g. attached, detached, built-in)</li> <li>Special features (e.g. fireplaces, porches, skylights, etc.)</li> </ul> <p>Make sure you tell your Travelers representative or agent about any of these features when discussing your homeowners coverage.</p> <h3>Don't rely on market value</h3> <p>The cost to rebuild often differs from what you paid for your home, or what you might pay for a similar home in your area. For this reason, market value is not used to determine the coverage amount needed. Market value can be affected by many factors, including:</p> <ul> <li>Location of your home</li> <li>Economic conditions</li> <li>Value of the land</li> </ul> <p>It's important to know that rebuild costs for insurance purposes can also differ from mortgage requirements, tax assessments, new construction costs and other appraisals of your home.</p> <h3>Why rebuild costs can differ</h3> <ul> <li>Building codes may have changed since your home was built</li> <li>More specialized workers are needed to prevent further damage and to rebuild the home</li> <li>Trees, shrubs and power lines can make it difficult for large equipment to access the property</li> <li>Materials to restore your home may be more expensive or hard to find</li> </ul> <h3>Keep your coverage up-to-date</h3> <p>Updates, additions and improvements to your home may increase the amount of coverage you need. Most common changes like installing hardwood floors, updating a kitchen or bath, or adding a deck can affect the cost to rebuild.</p> <p>Here are some ways to help keep your coverage and limits current:</p> <ul> <li>Review your policy each year to be sure it reflects the cost to rebuild</li> <li>Inform your agent or Travelers representative of any home improvements</li> <li>Consider that even small home improvements can affect the cost to rebuild your house</li> </ul>