Category Archives: Business: Insurance

Press Releases from the Insurance world, What’s new, Popular, Trending and News Worthy. In the ever changing industry of Insurance.

Car Insurance Basics -Top Factors That Influence Insurance Rates

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“Drivers should understand what influences the most their insurance bills”, said Russell Rabichev, Marketing Director of Internet Marketing Company

Cheapquotesautoinsurance.com has released a new blog post that explains the top influential factors for car insurance rates

For more info and free car insurance quotes, visit https://cheapquotesautoinsurance.com/top-factors-that-affect-car-insurance-costs/

When it comes to determining rates and associated costs, insurance companies analyze a vast number of factors. These factors can be classified into 3 main categories: driver-related factors, car-related factors and coverage-related factors. Companies carefully analyze the following factors:


  • Driver’s age. Teen drivers are more likely to get involved in an accident. Younger drivers, under 25 years old, pay higher premiums. Senior citizens that are in their 70s or 80s, also pay higher insurance rates based on their age. In this case, age-related medical problems will impair a person’s driving capabilities.
  • Credit score. Most states, except California, Hawaii and Massachusetts, allow insurance companies to look at the driver’s credit score. They will regularly charge more the drivers with poor credit score, while the ones that have good and excellent credit score will receive lower insurance rates.
  • Driving history. Drivers that were recently involved in accidents, received many tickets, or made previous insurance claims, should expect more expensive premiums. A really bad driving record will even determine the current insurer to drop the client. Safe drivers, on the other side, receive better rates.
  • ZIP code. The majority of car accidents happen close to home. People living in a densely populated neighborhood, with more cars, are more likely to suffer a car accident, vandalism or theft. Parking the car in a garage will make coverage cheaper.
  • Car model. An insurer will ask about car make, model, car type, year of production, installed safety features, condition, etc. Some cars are cheaper to insure than others. Luxury, sports car or extremely customized cars are difficult to insure and regularly will need a specialized insurer.

For more car insurance info, money-saving tips and free online quotes, please visit http://cheapquotesautoinsurance.com

Cheapquotesautoinsurance.com is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

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Why Should Drivers Select High Levels Of Car Insurance Deductibles

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“Drivers can save money in the long run, by setting higher deductible levels”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

Compare-autoinsurance.org has launched a new blog post that explains how high deductible levels affect car insurance premiums.

For more info and free car insurance quotes online, visit https://compare-autoinsurance.org/why-you-should-opt-for-high-deductible-levels/

One of the most crucial decisions a policyholder can make while purchasing insurance is the amount of money he is willing to pay on the collision and comprehensive policies deductibles. Depending on the amount the policyholder set on his deductibles, the premium rates can increase or decrease.

Policyholders can save money by raising their deductibles. If a policyholder raises his deductible from $300 to $900, he can expect to see a significant drop in the amount he pays towards the monthly premium. Drivers should make sure they have the amount they set on their deductibles available at any time. If something goes bad with their car, policyholders will have to first pay the amount set on their deductibles, before the insurance policy kicks in. On average, policyholders can save as much as 30% by setting high deductible levels.

Before setting a deductible amount, policyholders should consider several factors like their income, savings, credit lines, driving history, and their vehicle value. It’s no point setting a high deductible value if the policyholder’s car value is low.

Policyholders should review their insurance deductibles at least once a year. They should consider if they can still comfortably pay for the deductible if they had an accident today.

For additional info, money-saving tips and free car insurance quotes, visit https://compare-autoinsurance.org/

Compare-autoinsurance.org is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

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Tokio Marine Asia and Ephesoft Announce Partnership to Advance Thai Language Recognition

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“This will absolutely raise the visibility of our strategy aiming at digitalized insurance services to deliver the best to our customers and Thai society,” said Shin Tanimoto, chief executive of Tokio Marine Life Insurance (Thailand).

Ephesoft, Inc., an industry leader in enterprise content capture and data discovery solutions, today announced its collaboration with Tokio Marine Asia, the regional headquarters of the global insurance group that offers an extensive selection of General and Life insurance products and solutions worldwide. Ephesoft and Tokio Marine Asia, along with Tokio Marine Life Insurance (Thailand), will work together to solve language, data and document challenges that are prevalent throughout Thailand.

The collaboration marks the insurance company’s focus on expanding its footprint of automation in the fast-burgeoning Thai economy. Improving its approach by automating various manual heavy documentation processes across the insurance space will benefit both their customers and employees.

“Ephesoft has a strong commitment to meeting our customers where they are and addressing their unique challenges, regardless of geographic location,” said Ike Kavas, founder and CEO at Ephesoft. “This collaboration will address challenges specific to Thai organizations that seek to better manage and process unstructured data within their operations, and ultimately minimize manual processes to drive efficiency, accuracy and productivity. Having companies like Tokio Marine Asia who are willing to collaborate with us to solve complex challenges are critical to our continued growth throughout the region.”

The collaboration of Ephesoft and Tokio Marine Asia is expected to yield an innovative approach in analyzing Thai-language unstructured data. With Ephesoft Transact technology, both partners are expecting to solve document challenges in order to help take Thailand’s enterprises to the next level of automation.

“Tokio Marine Asia is excited to work with Ephesoft among other promising tech companies to overcome our data extraction and language hurdles so we can give our customers a better experience,” said Hidemi Harada, vice president and head of digital strategy of Tokio Marine Asia. “We hope that by using Ephesoft, we will be able to alleviate manual data entry and streamline processes, accelerating our claim processing to provide better customer service. Together, we’ll work to gain a deeper level of understanding for characters and language, which has been a long-time challenge to international business in Thailand.”

Using a specialized type of artificial intelligence (AI) called supervised machine learning, Ephesoft automates the process of classifying and extracting valuable information from unstructured data. Only 2 to 5 samples of each type of claim are required to use Ephesoft’s patented machine learning tool, which learns to recognize the document type. Ephesoft’s supervised machine learning system dramatically accelerates the data extraction process and improves accuracy, enabling Ephesoft clients to effectively use this data to their advantage by providing improved service, lower costs and deeper insights into customer and industry trends. It becomes more efficient as more language and industry-specific samples are fed into the Ephesoft system.

“I am very much looking forward to what this collaboration will bring to our company. This will absolutely raise the visibility of our strategy aiming at digitalized insurance services to deliver the best to our customers and Thai society,” said Shin Tanimoto, chief executive of Tokio Marine Life Insurance (Thailand).

Tokio Marine’s intimate understanding of the business environment and ecosystems in Thailand, along with their nuances, culture and challenges, make this collaboration highly valuable and significant to Ephesoft’s growth and customer support. Working together, Ephesoft aims to tailor solutions to local businesses, providing an enterprise-level, intelligent document capture solution.

Tokio Marine’s strong presence in Thailand, a high-growth economy, will benefit the collaboration in shaping solutions to local needs, enabling Ephesoft to tailor its capture solutions for businesses there. Ephesoft has a proven track record of providing vital solutions in other Asian markets and the company is poised to provide its services to Thailand’s thriving economy.

About Tokio Marine Asia

Tokio Marine was established in the year 1879 as the first insurance company in Japan and has grown over the decades, now offering an extensive selection of General and Life insurance products and solutions in 45 countries and expanding. Tokio Marine ranks as one of the world’s most globally diversified and financially secure insurance groups.

Tokio Marine Asia is an established regional headquarters and intermediate holding company, located at the Tokio Marine Centre in Singapore. The organization oversees 7 P&C Insurance companies and 5 Life Insurance companies in 7 countries, which employs over 10,000 people across the region. Tokio Marine Asia also provides support to new and current business activities for both Tokio Marine P&C and Life insurance operations within the region.

In October 2018, Tokio Marine Innovation Lab set up its Singapore’s home at Tokio Marine Centre. The Tokio Marine Holdings’ Digital Innovation Lab in Singapore is the third innovation lab for the Group, following the ones in Tokyo (established July 2016) and Silicon Valley (established November 2016). It will be welcoming the Group’s colleagues, start-ups and innovative companies in the region to share ideas and collaborate in the name of disruption and innovation in the InsurTech space. For more information, visit http://www.tokiomarine.com/asia.

About Ephesoft

Ephesoft, Inc. develops technology that makes meaning out of unstructured data for decision-makers worldwide. Using supervised machine learning and a focus on efficiency and reliability, Ephesoft has crafted the next generation of enterprise content capture and data discovery solutions. Organizations use this power to automate any document-based business processes, improving accuracy, increasing productivity and reducing costs. Ephesoft is headquartered in Irvine, Calif., with regional offices throughout the US, EMEA and Asia Pacific. The company is undergoing rapid growth and has customers in over 50 countries. To learn more, visit ephesoft.com.

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Top Ways Good Drivers Can Get Cheaper Auto Insurance Premiums Really Easy

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“Good drivers can get better rates by selecting only the needed policies”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

Carinsuranceplan.org has released a new blog post that explains how good drivers can get the best car insurance rates and save money.

For more info and free quotes, visit https://carinsuranceplan.org/how-to-pay-cheaper-car-insurance-if-you-are-a-good-driver/

Insurance companies aim to collaborate with as many safe drivers as possible. A safe driver is considered a low risk for companies since it has fewer chances of being involved in an accident and filing a claim. People who are regarded as good drivers should purchase the following plans:


  • The state’s minimum required insurance. Most states, except New Hampshire, impose minimum liability insurance for the drivers. The minimum liability insurances are different from state to state, so it’s for the best to inform about them before purchasing insurance. These minimum liability limits were imposed, in order to compensate the medical bills and the property damage suffered by someone who is involved in an accident where the policyholder is guilty,
  • Uninsured and underinsured coverage. Even if the policyholder is a good driver, this does not mean that all traffic participants are good drivers. There are many reckless drivers on the roads of the US. Some of them carry cover, while some carry no cover, and others carry insufficient coverage.
  • Usage-based insurance programs. Allow the insurance company to install a small telematics device into the vehicle. The period for which the device is installed varies from one insurer to another but usually is for 30 days. In this period, the device will record data about how many miles are driven, the time of the day when the car is driven, sudden changes in speed, acceleration, hard braking, cornering. UBI programs are the fastest ways for a driver to get significant discounts. For that reason, UBI programs are more popular than ever.

For more info, money-saving tips and free quotes, visit https://carinsuranceplan.org/

Carinsuranceplan.org is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

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Global Insurance Company joins HashCash’s HC Net for Blockchain Solutions

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Simplify the flow of information and payments between insurer and reinsurer, by securing the reinsurance contracts on the HC Net

The insurance industry has a multifaceted structure. Multiple stakeholders are interconnected via complex contracts that go through extensive processing. The day to day work in the insurance industry involves high volumes of financial transactions and there are substantial financial risks at play. All these factors make insurance companies vulnerable to external attacks, breach of data and financial fraud.

Using Blockchain technology, HashCash helps clients and partners in the insurance sector with the following:

1.    Fraud Detection & Risk Prevention – Elimination of common sources of frauds by moving the insurance claims into an immutable shared ledger

2.    False Claim Prevention Management- The distributed or shared ledger offers instant access and update of information to both the insurer and the third parties involved.

3.    Distribution of Payment Models- Helps global insurers to cut down asset management expenses by reducing the hedging fees that are used as protection against currency instability in cross border transactions.

4.    Reinsurance – Simplify the flow of information and payments between insurer and reinsurer, by securing the reinsurance contracts on the HC Net.

Benefits of HashCash’s Blockchain Solutions in Insurance

The Blockchain solutions offered by HashCash via HC Net, allow enterprises to convert multiple policies into smart contracts providing a single consolidated view of documentation and policy data in real-time. Automated notifications are delivered to all the network participants, allowing visibility of premium payments and coverage as well.

HashCash streamlines the claim recovery process by allowing multiple companies to collaborate and assemble relevant records. Being a part of HC Net helps insurers to agree on claims and build trust through evidence sharing. The use of DLT maintains accuracy and adds the value of transparency to the vast ecosystem of third-party supervisors and service providers.

HashCash’s HC Net comes with the added benefit of enhanced risk handling properties that help in the management of contracts among reinsurers, maintaining shared accounts and handling payments related to claims.

About HashCash Consultants

HashCash is a global software company. HashCash Blockchain products enable enterprises to move assets and settle payments across borders in real-time for Remittances, Trade Finance, Payment Processing and more. HashCash runs US-based digital asset exchange, PayBito & digital asset payment processor, BillBitcoins. HashCash offers exchange and payment processor software solutions, ICO services and customized use cases. HashCash propels advancement in technology through Blockchain1o1 programs and its investment arm, Satoshi Angels. HashCash offers solutions in AI, Big Data and IoT though its platforms, products & services. HashCash solves the toughest challenges by executing innovative digital transformation strategies for clients around the world

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Insurer Tackles Opioid Crisis Head-On with “Back Now” Pilot

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Marcia Boyce,
ProRehab CEO

All we want is for back pain to be taken care of quickly, for less dollars and with a faster recovery.

ProRehab Louisville (PRPT) is proud to announce a first-of-its-kind pilot program with Anthem Blue Cross Blue Shield (BCBS) of Kentucky for members who have Back Pain. The “Back Now” program aims to change the way members with back pain currently access treatment by removing the cost barrier for seeing a physical therapist when the pain first arises.

“Anthem is the perfect partner for the Back Now pilot program,” said ProRehab CEO, Marcia Boyce, PT. “We are aligned in the mission to help members get better care, faster, and with less out of pocket expenses.”

Patients are often prescribed preventable care for back pain such as opioids, steroid injections, advanced imaging, or, in extreme cases, lumbar spine surgery.

“Surgeries, medicines, and other healthcare procedures can be expensive,” said Boyce. “We’re in the business of healing, which is why the ProRehab team is proud to offer a safe, effective program. All we want is for back pain to be taken care of quickly, for less dollars and with a faster recovery.”

According to Boyce, “It’s a little-known fact that only 8-10% of patients who should get physical therapy as a first step to treating back pain, actually do. If we can move the needle on seeing a PT first, we can prevent our patients from needing thousands of dollars in medical care.”

STUDIES HAVE SHOWN THAT WHEN PHYSICAL THERAPY IS FIRST:

  • 71% lower costs for the same outcome
  • 75% – 90% lower likelihood of opioid use
  • The need for prescription pain medications, surgeries, and costly imaging is prevented
  • Quicker relief, less dollars, faster recovery

With the Back Now program, eligible Anthem BCBS of Kentucky members can see their ProRehab physical therapist without seeing a physician first. ProRehab is offering a package of 5 ProRehab PT visits for 1 copay and packages can be re-upped as needed.

WHO IS ELIGIBLE?

  • Applicable Anthem plans are primarily Kentucky commercial plans and do not include Anthem’s Medicare or Medicaid plans.
  • Patients must have a complaint of back.

To learn more about ProRehab’s physical therapy services, or to schedule a free consultation with one of Kentucky and Indiana’s experts in back pain treatment, please visit http://www.ProRehabLou.com

About ProRehab Physical Therapy Louisville:

ProRehab Physical Therapy is the area’s largest locally owned private outpatient physical therapy practice. Our therapists are the Best First Choice in musculoskeletal care and provide long-lasting outcomes without surgery, medication, or diagnostic imaging to our patients across Louisville and Southern Indiana. Our staff has a wide range of clinical expertise in manual physical therapy, spine care and rehabilitation, general orthopaedic conditions, hand injuries, workplace injuries, metabolic conditions, and more. Additionally, our allPRO Sports Performance program offers specialty training to provide athletes with the most current sport-specific strength and conditioning programs. For more information, find ProRehab Physical Therapy at http://www.ProRehabLou.com, on Facebook, or @ProRehabLou on Twitter and Instagram.

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New York Firm, Meridian Risk Management, joins United Benefit Advisors

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We are both excited and proud to join United Benefit Advisors. As an independent brokerage organization, joining UBA is something that all firms aspire to and we are honored to have been invited to join this esteemed organization and partner firms. Tom Clements, Partner, Meridian Risk Management

United Benefit Advisors (UBA), the nation’s leading independent employee benefits advisory organization, welcomes Meridian Risk Management to our community of Partners. This connection allows Meridian Benefit Advisors, the employee benefits division of Meridian Risk Management, to actively grow its employee benefits business alongside existing lines of personal, property and casualty insurance.

Headquartered in Pelham, New York, Meridian Risk Management was founded in 2003 by Joe Solimine, Jr. He followed in his father’s footsteps in the insurance business he founded in 1965 in the Bronx borough of New York. Meridian Benefit Advisors is co-owned by Joe and Tom Clements, a seasoned employee benefits professional. They unite with UBA to further serve their clients with the depth of a large national organization while remaining independent.

“We are thrilled to welcome Tom Clements, a former UBA Partner, back to our organization in his new association with Joe Solimine. Tom is already familiar with the sharing culture here at UBA and we know he will be a great asset,” said UBA Board Chairman, Bill Kite.

“We are both excited and proud to join United Benefit Advisors. As an independent brokerage organization, joining UBA is something that all firms aspire to and we are honored to have been invited to join this esteemed organization and partner firms. The UBA partnership fosters a truly collaborative atmosphere to share industry best practices, peer knowledge, proprietary tools, services and resources. This alliance allows us to bring unprecedented value to our clients. Most importantly, the UBA partnership will directly enhance our clients’ experience as well as strategically align with Meridian’s principles: discipline, diligence, honesty and commitment to community,” said Tom Clements, Partner, Meridian Risk Management.

Meridian Risk Management is one of the newest Partners to join the UBA community of independent employee benefits advisory firms that serve employers of all sizes across the United States, Canada, England, and Ireland. As a combined group, UBA’s annual employee benefit revenues rank it among the top ten employee benefit advisory organizations globally.

About Meridian Risk Management

Meridian Risk Management and Meridian Benefit Advisors (founded in 2019) partnered together to bring a high level of advisory expertise to business owners for employee benefits, enhancing their existing lines of individual property and casualty insurance businesses. Managing risk is the bridge for this business to serve their clients using the latest technology and embracing shared thought leadership. To learn more about Meridian Risk Management, visit http://www.meridianrisk.com.

About United Benefit Advisors®

United Benefit Advisors® (UBA) is the nation’s leading independent employee benefits advisory organization with more than 200 offices throughout the United States, Canada, England and Ireland. UBA empowers more than 2,000 Partners to both maintain their individuality and pool their expertise, insight, and market presence to provide best-in-class services and solutions. Employers, advisors and industry-related organizations interested in obtaining powerful results from the shared wisdom of our Partners should visit http://www.UBAbenefits.com.

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Insurtech Startup Kin Insurance Continues to Expand its Capacity to Serve Florida Residents

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Historically, we’ve seen insurance companies enter then leave catastrophe-prone markets like Florida, leaving homeowners without policies and vulnerable to natural disasters. But home insurance shouldn’t work that way.

Kin Insurance, the insurance startup reinventing home insurance for catastrophe-prone areas with easy, affordable coverage and world-class customer service, today announced the launch of its new mobile home insurance offering for Floridians and the opening of its office in St. Petersburg. Kin’s mobile home insurance offering is available now, and with its unique approach to catastrophe modeling data and pricing experience, mobile home insurance quotes can be generated in minutes.

“Historically, we’ve seen insurance companies enter then leave catastrophe-prone markets like Florida, leaving homeowners without policies and vulnerable to natural disasters. But home insurance shouldn’t work that way,” said Sean Harper, CEO and co-founder of Kin. “Rather, homeowners should have the power to make informed decisions about their providers and policies. So, we’re doubling down in Florida where reliable homeowners insurance and other reliable insurance products, like mobile home insurance, are needed.”

In Florida, there are more than 800,000 mobile homes, and Kin’s policies cover mobile homes on private property, in a mobile home park, or in a subdivision. Kin’s mobile home policies include replacement-cost coverage for the dwelling, belongings, other structures (e.g., fences), additional living expenses, personal liability, and medical payments.

Brought on to lead the new Tampa Bay office, Kin welcomes Angel Conlin as chief legal officer and Jason Fraley as managing director of engineering. As former counsel for Nationwide and ASI/Progressive Home, Conlin brings an in-depth understanding of the Southeastern United States, from regulation to compliance, as well as extensive industry experience.

“With 98 percent of Florida’s total population living in coastal counties susceptible to hurricane and flood damage, Florida is a unique insurance market that requires a keen awareness of the different coastal communities and the insurance challenges they face. I’m excited to join a team that’s reimagining what insurance can do for Floridians,” said Conlin.

Kin is currently hiring new and experienced engineers, developers, customer service representatives, and insurance representatives, including agents and underwriters, in both offices. By mid-next year, Kin is expected to grow its Florida-based engineering team by 500 percent or more.

“As fellow homeowners, we understand the insurance application process can be overwhelming. That’s why Kin leverages multiple existing data points as well as new derivative data elements to build better, affordable home insurance quotes based on real numbers that are more than best guesses or industry standard,” Fraley added.

Kin is committed to serving those living in catastrophe-prone regions and impacted by natural disasters, such as hurricanes and floods. Earlier this year, Kin announced the launch of the Kin Interinsurance Network, a Florida home insurance carrier, that serves coastal homeowners often neglected by the insurance industry.

About Kin

Kin Insurance is an insurtech startup and licensed insurance carrier that is fixing home insurance through intuitive tech, affordable pricing, and world-class customer service. By leveraging thousands of publicly available data points, Kin can recommend the appropriate coverage at affordable prices for homeowners. Launched by seasoned financial tech entrepreneurs Sean Harper, Lucas Ward, and Stephen Wooten in 2016, Kin is the first insurtech company to serve catastrophe-prone regions and is committed to helping coastal homeowners most impacted by climate change. The company is headquartered in Chicago with an office in Tampa Bay and currently serves Florida, Texas, Georgia, and Alabama, with plans to expand across the US. Kin is currently hiring in its Chicago and Tampa Bay offices. For more information, visit http://www.kin.com or https://www.kin.com/home-insurance/mobile-home-insurance.

About Angel Conlin

Angel Conlin, Kin’s chief legal officer, is a proven senior insurance executive with over 20 years of P&C insurance experience in both large and small companies. She brings experience in business leadership, compliance oversight, legislative advocacy, policy forms, litigation and counsel management, and more. She most recently spent nine years as general counsel for ASI/Progressive Home. She was part of the executive leadership team that grew ASI from a five-state carrier to a $1.5 billion, A+ rated insurance group offering homeowners/dwelling, renters, flood, and umbrella insurance products in 44 states. She established and led the legal, compliance & policy forms team, including claims attorneys, corporate attorneys, compliance professionals, forms specialists, a product specialist, and paralegals. Prior to ASI, she spent 10 years at Nationwide, ultimately as AVP regional counsel leading the legal team in overseeing all legal matters for the southeast region.

About Jason Fraley

Jason Fraley, Kin’s managing director of engineering, is a 30-year information technology veteran. For the first half of his career, he built global-scale systems for GTE / Verizon and Oracle / Sun Microsystems. In the last 15 years, Jason has been architecting scalable software systems as well as building and leading world-class teams of engineers across an array of industry verticals.

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10 Sure Ways To Get Cheaper Car Insurance Rates

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“Policyholders can get cheaper coverage by making a smart selection and improving their skills,” said Russell Rabichev, Marketing Director of Internet Marketing Company.

Carinsurancehints.com has released a new blog post that presents 10 ways to get cheaper car insurance.

For more info and free quotes online, visit https://www.carinsurancehints.com/10-ways-to-make-car-insurance-cheaper/

Drivers should understand that many rating factors are under their control. By making smart choices, they will get better prices. Insurance companies recommend the following:


  • Bundle policies. Policyholders who combine car insurance with home, renters or life insurance will receive a significant discount. The value of the discount varies by carrier.
  • Purchase a multi-vehicle plan. Having all owned vehicles under the same contract will help drivers get better premiums than insuring them individually. The value of the discount increases with the number of insured vehicles.
  • Adjust deductibles. Increasing the deductibles will help drivers get cheaper full coverage. Make sure to adjust deductibles to a maximum sum that can be paid anytime.
  • Drop full coverage on older cars. If the car is older than 10 years, keeping full coverage will make the owner overpay for coverage. A car’s value usually decreases over time.
  • Keep a clean driving record. Avoiding traffic violations and accidents is a good way to keep premiums under control. Seek ways to expunge older traffic violations. Insurance companies offer a no claim bonus for every year in which the driver did not commit or has been involved in an accident.
  • Drive a safe car. A car with a good safety rating will be easier and cheaper to insure. Look for annual crash-test ratings and NHTSA safety rankings.
  • Install extra safety and anti-theft devices. This will improve the safety rating and will significantly lower the comprehensive car insurance premiums. Plus, it will help police officers recover the stolen cars.
  • Enroll in a defensive driving course. Insurance companies can offer or suggest a defensive driving course. The client will improve his driving skills and will get a discount.
  • Scan the insurance market periodically. It is recommended to get car insurance quotes at least once every 6 months and check the average premiums costs. Being permanently aware of the average costs will help drivers to avoid overpaying. Some insurance companies practice a marketing tactic called “price optimization”.
  • Pay-in-full. This will help the insurance company get rid of some administrative costs and it will provide cheaper premiums.

For more car insurance info, money-saving tips and free online quotes, please visit http://www.carinsurancehints.com/

Carinsurancehints.com is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

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Why Should Drivers Take Pictures Immediately After An Accident?

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“Drivers should carefully document the accident scene. Taking photos will support your claims and get the right amount of reimbursement”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

Compare-autoinsurance.org has released a new blog post that explains why it is important to take pictures immediately after an accident.

For more info and free car insurance quotes, visit https://compare-autoinsurance.org/why-its-recommended-to-take-pictures-after-a-car-accident/

Everyone’s safety is of the utmost importance. Check if everyone is alright and call the ambulance if needed. After making sure that everyone is safe, it is time to document the accident. Taking photos will allow the drivers to gather relevant data about the circumstances of the accident

Taking photos will help drivers:


  • Deal with insurance companies. Being involved in an accident where the other driver is involved, gives you the right to ask for compensation. It is possible that the company of the guilty driver will try to partially blame the victim or refuse to make compensatory payments. In this case, clear photos of the accident can become undeniable evidence that will resolve any dispute. If the company still refuses to pay, talk with a lawyer and provide the photos.
  • Gather crucial info about the circumstances of the accidents. Taking photos of the accident scene, the surrounding area and road conditions will help the authorities determine who and what caused the accident. Specialized criminalists can analyze all details and assemble the bigger picture.
  • Document the injuries. Again, this must be done in order to receive fair compensation. Take photos of injuries, bruises, cuts, burns, lacerations. Make sure to keep all medical receipts.


For more information, money-saving tips and free online quotes, please visit http://compare-autoinsurance.org

Compare-autoinsurance.org is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

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