“Before making the decision to file a claim to their insurers, drivers should carefully analyze if it’s worth it. Drivers who are not at fault and suffered minor damages should avoid filling claims to prevent their premiums to increase substantially”, said Russell Rabichev, Marketing Director

LOS ANGELES (PRWEB)
August 24, 2020

Compare-autoinsurance.org has launched a new blog post that presents how car insurance premiums will change for a policyholder who files a claim after an accident.

For more info and free car insurance quotes, visit https://compare-autoinsurance.org/car-insurance-after-an-accident-how-are-premiums-affected/

Before making a claim to the insurance provider, drivers should consider a few things before making this move. According to a recent study, drivers who make a single auto insurance claim saw their premiums increase on average by 44.1%. Also, the reported premium increases weren’t for individuals who have a history of unsafe driving. Even after a single claim, premium increases can be significant.

Drivers who want to file a claim after an accident should consider the following:

• How much the premiums will rise. The increase drivers can expect to see on their insurance premiums after an at-fault accident varies by location, driving record, vehicle, and the insurance company. Drivers can expect anywhere from a 23% to 73% increase in premiums in year one after an at-fault accident.
• Insurance premium increase by state. Some states report costlier increases than others. Drivers living in states such as North Carolina, Massachusetts, Texas, New Hampshire, and California can expect to see their rates increase after an accident from 57.3% to 63.1%. On the other hand, drivers from Kentucky, Montana, Oklahoma, Michigan, and Maryland will see their rates go up anywhere from 21.5% to 30.6%. Increases in the premium paid can last as long three to five years after an at-fault accident if the damages to the vehicle exceed over $2,000.
• How to lower the premiums. Be prepared and purchase accident forgiveness. Not all companies offer this, but those that do will give the policyholders a one at-fault accident forgiveness with no increase in premium if they fit certain criteria. Other methods involve raising the deductible and improving the credit score. Furthermore, policyholders should avoid filing claims for small things after they have filed a claim on an at-fault accident.
• Which claims affect the premiums the most. Bodily injury claims can cause the premiums to spike the most. A single bodily injury claim will result in an average premium increase of 48.6%.
• What if the policyholder isn’t at fault. Whether or not the rates will increase after an accident in which the policyholders were not at fault is insurance provider specific. Some companies will not increase the premium for drivers involved in their first accidents, but if they suffer several accidents, even if they are not at fault, it could result in an increased premium.

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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360 Coverage Pros

Travel professionals have unique needs when it comes to protecting themselves and their businesses. Using our online technology, professionals in the travel industry can now easily select their coverage, complete an application and have proof of insurance in a few short minutes.

LAKEWOOD RANCH, Fla. (PRWEB)
August 21, 2020

360 Coverage Pros recently launched a new errors and omissions (E&O) insurance program specifically for travel professionals.

Today’s travel industry environment is rapidly evolving and concerns are ever-changing. The best way for travel professionals to ensure they have the financial protection they need is to secure professional liability insurance. The Travel Agent E&O Insurance Program from 360 Coverage Pros is designed specifically to meet the needs of travel agents, agencies, tour operators and meeting & event planners.

“The travel industry is one that we’ve been watching for a long time,” says Jason Rogers, head of Business Development at 360 Coverage Pros. “Travel professionals have unique needs when it comes to protecting themselves and their businesses. Using our online technology, professionals in the travel industry can now easily select their coverage, complete an application and have proof of insurance in a few short minutes.”

The program is underwritten by Lloyds of London and backed by an “A” (Excellent) A.M. Best rating. Insureds within the program also have access to a free risk management legal hotline. Pricing is based on Annual Total Gross Receipts (TGR) the agent or business produces with monthly payments starting at just $29.33.

360 Coverage Pros also offers solutions for larger industry groups and companies.

“We’re uniquely positioned to create and implement preferred programs tailored to fit any group’s needs,” says Program Manager, Chris Buseman. “We’ve successfully developed insurance programs with professional associations and companies for some time now; larger groups view these customizable options as true member or employee value-adds while providing peace of mind for the organization.”

360 Coverage Pros will be an exhibitor at the upcoming American Society of Travel Advisors event, ASTA Global Live, which will take place on August 25-28, 2020. ASTA is the world’s largest association of travel professionals. ASTA Global Live is being held virtually this year and the team from 360 Coverage Pros will be available to chat with attendees and offer consultations regarding their professional liability needs.

To learn more about the Travel Agent E&O Insurance Program and 360 Coverage Pros, please visit https://www.360coveragepros.com/travel-agents. Licensed customer care professionals are available via phone or online chat to answer coverage questions.

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“Getting car insurance online is a fast and easy process. You no longer have to wait in traffic or talk to pushy agents who try to get your signature”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

LOS ANGELES (PRWEB)
August 20, 2020

Buying car insurance online has become a necessity in our highly-active modern world. Spending countless hours on the roads, or endless negotiations with agents represent a waste of time. Purchasing coverage online comes with certain benefits. Find out more about these advantages and get free car insurance quotes from https://compare-autoinsurance.org/.

• Avoid wasting time in traffic. Don’t forget that nowadays, time is money! As just mentioned before, it can be really time-consuming and difficult to arrive at multiple locations in a short time, especially when living in a metropolitan area. A driver can waste several hours on the roads, just to reach an insurer, ask for prices, analyze offers, and return home. And this process must be repeated again if looking for several estimates for a fair comparison. Shopping online removes the need of reaching the physical offices and wait until someone is sent to get in touch and analyze the driver’s case.
• Avoid being exposed to cunning marketing strategies and pushy agents. When dealing with a car insurance agent, the client must face an expert. Keep in mind that not all agents are so well-intended and some of them just want to follow their own agenda and convince as many persons as possible to buy coverage. All agents will tell prospective car owners that they offer the most advantageous deals and they should immediately purchase it. This is not always the case. Dealing with agents isn’t a problem when shopping online for car insurance. Users can check prices, discounts, and do some research about some terms and conditions. Furthermore, users should always use online quotes to compare prices before buying anything.
• Save money when buying online car insurance. To encourage people to purchase car insurance policies online, insurers, in collaboration with partners, offer lucrative discounts. Drivers can get a small discount for getting quotes or buying coverage online.
• The user becomes insured as soon as the transaction is completed. After the purchase is finished, the client is automatically insured. The client will receive a digital copy of proof of insurance. He can save this copy to any of his mobile devices or print it. The digital copy can be shown whenever asked by authorities. In this way, there is no risk of being caught driving without insurance.

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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“Eric is no doubt among the best…We are inspired by his commitment to preparing and empowering his students to become tomorrow’s activists, leaders, and changemakers.”

MONTPELIER, Vt. (PRWEB)
August 20, 2020

Eric Crouch, a fifth grade teacher at Double Churches Elementary School in Columbus, GA, has been selected as the Grand Prize Winner for the 2019-2020 national LifeChanger of the Year award.

Nominated by his school principal, Crouch earned the national Grand Prize–which includes a $10,000 cash prize–for his ability to connect students to their passions and empower them to make a difference. He was chosen for the award out of more than 850 nominated teachers, administrators and school district employees from all 50 states and the District of Columbia.

“Mr. Crouch teaches his students and colleagues that the world is their community. He has found his gift, and that gift is connecting students to their passions and giving them a space and a voice to make a difference in the world,” said Paula Shaw-Powell, principal, Double Churches Elementary School. ‘Love first, teach second,’ ‘we are all here to help one another,’ and “the whole world belongs to each of us,’ these are just a few of the many things you will hear Mr. Crouch saying through the hallways of Double Churches.”

Crouch was moved to become an educator after his own struggles in school due to attention issues. As a result of his experiences, he made it his mission to engage his students and give each of them equal opportunity to discover their passions and use them as a vehicle for achievement. To that end, he uses a variety of methods to help his students’ enthusiasm take off, including a Project-Based Learning model in his classroom that encourages innovation and creativity.

He also encourages his students to channel their passions into serving the community and making a difference. When Hurricane Michael devastated a nearby community in 2016, he and a few of his students immediately took action. They traveled to Bay County, Florida, to interview teachers and other individuals impacted by the hurricane, and create a documentary to spread awareness for the thousands of families who had been displaced. After being shared by thousands on social media, the documentary drove close to two million dollars in donations to Bay County School District.

Crouch’s community work with his students has made a global impact. As a Skype Master Teacher, he leads his classes to engage in Skype collaborations with students from around the world.

When his students connected to HIP Academy in Kenya for a cultural learning exchange, it soon became clear that there was much more they could contribute. Together, they founded a 3D-printing non-profit and raised thousands of dollars to build a school in Kimilili. With the success of this project, Crouch’s students also donated 10 iPads to the students at HIP so they could create an iPad lab for the school.

He also encouraged his students to experiment with their own 3D-printing projects, such as creating 3D prosthetics for pets and working with engineers to create robotic stuffed animals to teach students how to communicate their social and emotional needs.

“We’ve all been reminded of the importance of our teachers during these times,” said Mehran Assadi, CEO and President of National Life Group. “Eric is no doubt among the best of these selfless educators. We are inspired by his commitment to preparing and empowering his students to become tomorrow’s activists, leaders, and changemakers.”

About LifeChanger of the Year

LifeChanger of the Year is an annual program sponsored by the National Life Group Foundation that recognizes and rewards outstanding K-12 educators and school district employees who have demonstrated a proven ability to make a beneficial difference in the lives of students.

LifeChanger of the Year winners are selected by an independent committee comprised of past winners and education professionals. To be considered for a LifeChanger of the Year award, nominees must:

• Make a positive impact in the lives of students
• Enhance their school or district’s atmosphere, culture and pride
• Demonstrate exemplary leadership at the school and/or district level
• Possess a proven record of professional excellence
• Show commitment to building a nurturing environment that supports learning
• Adhere to the highest moral and ethical standards

In addition to Crouch, four other educators from across the country were recognized as 2019-20 LifeChanger of the Year Grand Prize Finalists. Each Finalist received a $2,500 cash reward with a matching $2,500 donation made to their schools.

Keil Hileman – Social Studies Teacher

Monticello Trails Middle School

Shawnee, KS

Kathy Kish – Principal

Indian Woods Elementary School

Kimball, MI

Candace Printz – Assistant Director of Fine Arts

Socorro ISD

El Paso, TX

Pren Woods – Seventh Grade World History Teacher

Alston Middle School

Summerville, SC

Twelve additional cash awards were given out to LifeChanger of the Year winners from California, Connecticut, Florida, Indiana, Mississippi, New Jersey, North Carolina, Oklahoma, and South Carolina.

To learn more about Eric Crouch, visit: https://nationallife.wistia.com/medias/ez8ofxbz2p.

For a complete listing of this year’s LifeChanger of the Year winners, visit:

https://www.lifechangeroftheyear.com/201920-winners.

National Life Group® is a trade name of National Life Insurance Company, Montpelier, VT, Life Insurance Company of the Southwest (LSW), Addison, TX and their affiliates. Each company of National Life Group is solely responsible for its own financial condition and contractual obligations. LSW is not an authorized insurer in New York and does not conduct insurance business in New York.

In Texas, due to regulatory concerns, National Life Group will donate similar items to the winner or a nonprofit group of NLGroup’s choice that supports the winner’s school.

TC112689(0220)P

As part of our collaborative organization, the FNL Insurance team will help us to continue to elevate the client experience throughout the Baltimore area and the mid-Atlantic region.

DEERFIELD, Ill. and BALTIMORE (PRWEB)
August 20, 2020

Alera Group, a national employee benefits, property and casualty, retirement services and wealth management firm, announced today that is has acquired FNL Insurance Group, effective August 1, 2020.

For over 40 years, FNL Insurance Group has been helping clients with their employee benefit and health care insurance needs. The firm is located in Timonium, Maryland, where they partner with small and mid-sized employers to develop sustainable benefits programs that support employees while keeping costs low.

“We are delighted to welcome Frank Lotman and the FNL Insurance team to Alera Group,” says Alan Levitz, CEO of Alera Group. “As part of our collaborative organization, the FNL Insurance team will help us to continue to elevate the client experience throughout the Baltimore area and the mid-Atlantic region.”

“FNL Insurance Group is very excited to become an Alera Group company,” says Frank Lotman, President of FNL Insurance Group. “We look forward to the expanded resources available to us as part of Alera Group and look forward to continued growth alongside firms throughout the region.”

FNL joins Alera Group through Silberstein Insurance Group (SIG), an Alera Group company. The FNL team will continue serving clients in their existing roles. Terms of the transaction were not disclosed.

About Alera Group

Based in Deerfield, IL, Alera Group’s over 2,000 employees serve thousands of clients nationally in employee benefits, property and casualty, retirement services and wealth management. Alera Group is the 15th largest privately held firm in the country. For more information, visit http://www.aleragroup.com or follow Alera Group on Twitter: @AleraGroupUS.

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InsCipher’s CONNECT system now fully integrates with Vertafore AIM

InsCipher’s goal is to simplify surplus lines management for states and agencies. Working with Vertafore helps us achieve that goal

PLEASANT GROVE, Utah (PRWEB)
August 20, 2020

Today InsCipher, a Utah-based software company specializing in surplus lines filing management, announced it has joined Vertafore’s Orange Partner Program. The partnership kicks off with a Vertafore AIM™ integration. With the new integration, AIM users’ policy data will transfer directly into InsCipher’s Connect™ system, for easy surplus lines filing and reporting.

InsCipher currently has API batch-file capability to 13 states, including California, Texas, New York, and Florida. Several more states will be added in the coming months. InsCipher hosts the state surplus lines portals systems for both Utah (slaut.org) and Idaho, and Connect™ users are therefore linked to those states automatically.

“This partnership represents a milestone for InsCipher in bringing our one-of-a-kind-solution to the E&S sector,” stated Daniel Steadman, InsCipher’s Vice President. He continues: “Connect™ provides the E-file features that AIM users need while enhancing their surplus lines tax management as a whole.” Steadman notes that state E-filing is only one part of InsCipher’s functionality. “InsCipher’s goal is to simplify surplus lines management for states and agencies. Working with Vertafore helps us achieve that goal.”

Connect’s expanded capabilities include tools to automate surplus lines tax filing and reporting. As policies are uploaded from AIM into Connect™, the system automatically creates a filing and reporting task schedule based on policy data, taking into account each states’ specific requirements. Connect™ helps prepare filings for submission, with built-in surplus lines tax calculation and reconciliation tools. Furthermore, as a cloud-based system, Connect™ allows companies to centralize filing activities across multiple offices and sub-agencies.

Connect’s™ state rules, rates, dates, and requirements are kept up to date by InsCipher’s full-compliance team, who monitor changes at the state level and update the system accordingly.

“We partnered with InsCipher because we share a mutual goal of making Insurance management and reporting easier for everyone,” stated Doug Mohr, Vertafore’s vice president of industry relations & partnerships.“ The Connect™ platform is a strategic addition to our integrated tool offerings, which adds to our already impressive group of Vertafore Orange Partners. It was important for Vertafore to find a partner that provides a high level of convenience and dependability to our customers. We found that in InsCipher.”

Learn more about InsCipher by visiting: https://www.inscipher.com/vertafore-aim or by reaching out to their sales team at: info@inscipher.com

About Vertafore

For 50 years, Vertafore, the leader in modern insurance technology, has built and supported superior Insurtech solutions to connect every point of the distribution channel. Vertafore’s agency management, ratings, regulation, compliance, data and analytics, and connectivity products streamline workflows, improve efficiency and drive productivity for more North American insurance professionals than any other provider – including more than 20,000 agencies, over 1,000 carriers and 23 state governments. Through a continual focus on operational excellence, development of innovative solutions, and alignment with key industry partners, Vertafore is leading the way for customers of all sizes by delivering results that make a difference. For more information about Vertafore, visit http://www.vertafore.com.

©2020 Vertafore and the Vertafore logo are registered trademarks of Vertafore. All rights reserved. All other trademarks are the property of their respective owners.

About InsCipher

InsCipher LLC seeks to combine the best of insurance compliance with insurance technology to decipher the complex world of surplus lines tax filings. InsCipher offers a variety of surplus lines products, from full-service surplus lines filing services to in-house management software. InsCipher is the official software provider for the Surplus Lines Association of Utah (slaut.org) and the Surplus Line Association of Idaho (SLA Idaho). For more information about InsCipher’s services, visit http://www.inscipher.com

For Inquiries Contact:

Jason Russon

Director of Sales and Marketing

InsCipher LLC

jrusson@inscipher.com

801.376.1232

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It’s rewarding to be an industry-leading provider of Expatriate health insurance and to support the growing global trend of international mobility.

BOSTON (PRWEB)
August 19, 2020

The Boston based global services firm, International Citizens Group, Inc. (InternationalCitizens.com), boosted by strong growth in its insurance brokerage division, International Citizens Insurance, announced today it is ranked No. 641 on Inc. Magazine’s annual Inc. 5000 list, the most respected ranking of the nation’s fastest-growing private companies. The company reported a very impressive growth rate of 731.4% over the previous 3 years.

“We have made significant efforts at International Citizens Group (ICG) to become one of the best global insurance brokers that will sustain and serve customers for decades to come,” says President Joe Cronin. “As an organization that strives to see growth while providing excellent customer service, we are especially excited to be recognized by the Inc. 5000 this year.”

ICG was established to create, provide and market high-quality resources, tools, and advice for expatriates, global citizens, and international travelers. The team at ICG has a wealth of international experience, having all traveled the world extensively. This experience gives us a unique advantage in providing the best customer service to our clients as we understand the needs and wants of those traveling and living abroad.

International Citizens Insurance (http://www.InternationalInsurance.com) is owned and operated by ICG. Our mission is to educate consumers on the value of global medical, life, and travel insurance while providing a resource for them to research, compare and purchase plans for their relocation abroad or international trip. We offer expatriate insurance, corporate group plans, international health insurance, volunteer group insurance, travel insurance, insurance for international employees, and cover for anyone living abroad or traveling throughout the world.

“Our growth is a testament to our expert and dedicated team. This ranking is further validation that we have taken the right steps and solidified our position in the market,” said Cronin. “It’s rewarding to be an industry-leading provider of Expatriate health insurance and to support the growing global trend of international mobility. I want to specifically recognize Gregg Manning, our VP of Operations, and Andrew Blomberg, our Director of Sales, for their leadership and dedication during this period of rapid growth.”

As the entrepreneurial leader of several successful businesses, this is not Joe Cronin’s first time on the list. His previous company, Edvisors, made the Inc. 5000 list in 2012 and 2013 at No. 3,490 and 1,321, respectively. The elite group that International Citizens Group has now joined includes companies such as Microsoft, Timberland, Vizio, Intuit, Chobani, Oracle, and Zappos.com.

Complete results of the Inc. 5000, including company profiles and an interactive database that can be sorted by industry, region, and other criteria, can be found at http://www.inc.com/inc5000.

About International Citizens Group, Inc.

International Citizens Group, Inc. provides expatriates and globally mobile citizens outside their home country access to resources and advice on moving, living, and working abroad. As a leading international insurance brokerage via InternationalInsurance.com, their goals are to educate consumers on the variety of plans available and to help them find the best option for their health, well-being, and peace of mind.

About Inc. Media

Founded in 1979, Inc. is the only major brand dedicated exclusively to owners and managers of growing private companies, with the aim to deliver real solutions for today’s innovative company builders. Inc. took home the National Magazine Award for General Excellence in both 2014 and 2012.

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