“Getting online quotes is faster and more effective than calling various agents,” said Russell Rabichev, Marketing Director of Internet Marketing Company.

LOS ANGELES (PRWEB)
July 06, 2020

The internet has revolutionized the way in which prospective policyholders shop for auto coverage. Specialized websites offer online estimates, usually for free. Using online quotes provides the following advantages over phone quotes;

• 
  Online quotes save time. Getting price estimates via phone can be very time-consuming. The caller must wait until someone from the call center picks up the phone and redirects the call to the appropriate agent. After that, the actual call with the agent can last around 15 minutes. The potential client has to answer to several questions and wait until quotes are determined. And that’s just for a single quote.
• Clients will avoid pressure and cunning sales strategies. Getting estimates online removes the pressure one may feel when talking with an agent. Pushy agents will try to convince people to buy their offers or add unnecessary coverage, just to pay more.
• Get access to multiple quotes at once. Users who choose brokerage websites will get access to multiple estimates displayed on a single web page. The search engine will match the input details with existing offers. Getting multiple quotes via the phone means calling multiple agents and repeating the same details every time.
• Get price estimates anytime, anywhere. Users no longer have to wait for an agent to be available. All they need is an internet connection, a tablet, telephone, notebook, or any internet-connected device that can display data. They can get online quotes from anywhere and anytime. Online quoting is the solution for people that have busy lives.

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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Doug Ommen, Iowa Insurance Commissioner

We all need to be good Iowa neighbors and help watch for signs of financial exploitation of older Iowans isolated from family, caregivers and other support networks.

DES MOINES, Iowa (PRWEB)
July 06, 2020

Iowa Insurance Commissioner Doug Ommen announced today that the Iowa Insurance Division (IID) is offering an Iowa Fraud Fighters – Shield Your Savings public education webinar series this month.

“Fraudsters target seniors because they know these hardworking Iowans have saved for their retirements and that is where the money is,” said Commissioner Ommen. “Being a victim is not a weakness; these perpetrators are professional con artists who have scammed the most sophisticated of investors.”

A True Link report on elder financial abuse estimated 1 in 3 Americans ages 65 and older were affected by financial abuse over a five-year period, with seniors losing $36.5 billion dollars each year to financial exploitation, criminal fraud and caregiver abuse.

Each webinar will feature a video of Martha-Jo Ennis, a retired schoolteacher from Marion, Iowa, who lost her retirement savings and the money she invested from the sale of her family farm, totaling over $1 million, to a Ponzi scheme.

The webinar series will educate and empower Iowans to combat and report investment, consumer and insurance fraud — including Medicare fraud.

“Scammers are after Iowans’ Medicare card numbers to defraud the government and are using the pandemic to commit identity theft upon our seniors through fake COVID-19 test scams,” said Commissioner Ommen. “If you suspect Medicare fraud, call Senior Medicare Patrol and SHIIP, which are housed within the Iowa Insurance Division.”

Jeanne Mentel, Senior Medicare Patrol (SMP) program manager, will discuss common Medicare scams at two webinars alongside Commissioner Ommen, who will focus on elder financial exploitation and investment fraud.

An individual can grant an agent a power of attorney and a court can appoint a conservatorship or guardianship powers to make decisions related to the individual’s healthcare decisions or financial matters. Financial exploitation occurs when those decision-making powers are improperly used to take advantage of the protected individual’s financial assets.

“Oftentimes a trusted family member or friend can be called upon to fill this decision-making role,” said Commissioner Ommen. “However, it is important Iowans have someone who will put their wishes first, despite what their family or friends might later ask for or try to impose. We all need to be good Iowa neighbors and help watch for signs of financial exploitation of older Iowans isolated from family, caregivers and other support networks.”

Ommen said promissory note schemes are one of the most common types of investment fraud he sees, noting there are always new scams circulating in Iowa.

“Iowans should be on the lookout for scam artists trying to use the market downturn and the coronavirus to scare investors into so-called safer or guaranteed investments,” said Commissioner Ommen. “Con artists seek to capitalize on fear and uncertainty during troubled times. Before making a new investment, double-check with the insurance division to make sure the investment is registered and the person making the offer is licensed.”

The Iowa Insurance Division collaborates with other state agency partners to cover the scams that fall outside the division’s jurisdiction, including the Iowa Attorney General’s Office (AG). Al Perales, an investigator from the AG’s Office, will join Commissioner Ommen to discuss common consumer scams, including pandemic-related fraud and many online scams. Online scams affect every generation, including Millennials.

“One of the worst online scams is the sweetheart scam because this romantic scammer breaks your heart and their number one goal is to steal your money and information,” said Perales. “They scan social media and online dating sites to target the lonely, build an online relationship and then need money because of a terrible misfortune or to afford travel to come see their newly beloved — but they never show up.”

To RSVP for a webinar, fill out the online form at IowaFraudFighters.gov at least 24 hours in advance of the webinar. Each webinar will be streamed live on Facebook and YouTube and will feature a video, short presentation and a moderated panel with the opportunity for participants to ask questions.

About the Iowa Insurance Division

The IID has general control, supervision and direction over all insurance and securities business transacted in the state and enforces Iowa’s laws and regulations. The IID investigates consumer complaints and prosecutes companies, agents and brokers engaging in unfair trade practices. Consumers with insurance or investment questions, or complaints, may contact the IID toll-free at 877-955-1212 or visit http://www.IowaFraudFighters.gov or http://www.IID.Iowa.gov.

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“Most drivers want to obtain the cheapest car insurance. However, cheap car insurance policies have several disadvantages that will make drivers think twice before getting cheap insurance ”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

LOS ANGELES (PRWEB)
July 03, 2020

Compare-autoinsurance.org has launched a new blog post that presents several disadvantages of cheap car insurance policies.

For more info and free car insurance quotes online, visit https://compare-autoinsurance.org/the-disadvantages-of-cheap-car-insurance-policies/

Everyone strives to obtain the cheapest car insurance possible. However, getting a cheap car insurance policy has several disadvantages. Policyholders that own cheap car insurance will have to face some tough consequences if they are required to file a claim.

The disadvantages of a cheap car insurance policy are the following:

• The coverage can’t be enough. The liability coverage has some really low limits. While experts are recommending to have at least $500,000 of liability coverage per accident and $2 million to be fully protected, cheap policies are offering only $10,000 to $30,000 liability coverage per incident. These small limits can easily be exceeded even in a minor accident with a few passengers that require costly medical treatments.
• Drivers won’t be able to fix their cars after a collision. Insurance companies will cover the damage inflicted on other drivers, property, passengers, and vehicles if the policyholder only has liability coverage. Liability coverage does not cover the costs to repair the policyholder’s damaged vehicle.
• Drivers can remain without their cars after a claim. Drivers that have cheap car insurance are more likely to remain without a car after filing a claim. Policyholders that don’t have the money to repair their vehicles after a crash, and their cheap policies don’t cover the costs will probably remain without their cars until they can afford to repair them.
• Bad customer service. Some insurers will offer better customer support to persons that have expensive policies compared to those that have only liability coverage. Although this doesn’t sound that bad, drivers that are dealing with an insurance claim will need to have good customer support.
• High deductible. Raising the deductible is one of the most common methods used to lower the insurance premiums. Drivers will pay less on their monthly insurance, but if they are required to make a claim, will have to pay a significant amount of money upfront before the insurance kicks

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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“When applying for coverage, drivers should bring the relevant documents, be honest and ask questions about the policy’s terms and conditions”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

LOS ANGELES (PRWEB)
July 02, 2020

Cheapquotesautoinsurance.com has launched a new blog post that presents top car insurance mistakes that will cause problems to drivers seeking coverage.

For more info and free quotes, visit https://cheapquotesautoinsurance.com/costly-auto-insurance-mistakes/

Not having the right documents will prevent drivers for getting coverage. This is one major mistake that can be easily avoided. Make a call and ask what documents to bring. Drivers should prepare the car’s papers and provide them it when asked. Furthermore, bring proof of homeownership, graduating defensive/refresher courses, receipts for custom parts, VIN number and other documents needed to provide coverage and discounts.

Buying coverage without fully understanding the terms of the contract is another big mistake. Carefully read each page of the contract and require additional explanations.

It is recommended to get quotes before negotiations. Compare prices from multiple carriers and determine the average value. Now it is easy and fast to get online quotes. It only takes several minutes.

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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Sergio is a uniquely qualified forensic accounting professional who will bring value to our clients as they navigate issues ranging from suspected FCPA violations to elaborate money laundering schemes.

MIAMI (PRWEB)
July 02, 2020

Lowers Forensics International is pleased to welcome Sergio P. Negreira, CPA, CFF, J.D. as Executive Vice President, Forensics and Latin America. Based out of the company’s Miami, Florida office, Negreira specializes in forensic investigative services, including occupational and financial statement fraud as well as bribery and corruption investigations. He also has extensive experience in performing FCPA and fraud risk assessments, providing and testifying on lost profit calculations, economic and market analysis as well as assisting clients with business interruption and fidelity insurance claims.

President of Lowers Forensics International, Marc Johnson, remarks, “Sergio is a uniquely qualified forensic accounting professional who will bring value to our clients as they navigate issues ranging from suspected FCPA violations to elaborate money laundering schemes.”

Combining nearly 50 years of industry excellence and leadership, Lowers Forensics works with clients worldwide to provide insurance claims accounting, litigation support, forensic accounting, and expert testimony.

Prior to joining Lowers Forensics International, Negreira was with Ernst & Young for over 25 years where he served as a partner within the forensics and disputes practice. He served as practice leader for the Latin America Disputes & Forensics region as well as the country practice leader for the Mexico and Central American region. Negreira also served as the QRM (Quality and Risk Management) leader for the Caribbean Disputes and Forensics practices. He is fluent in Spanish.

To reach Sergio Negreira call (786) 687-2942 or visit lowersforensics.com.

About Lowers Forensics International, LLC

Lowers Forensics International is a financial forensics firm offering expertise in insurance claims accounting, litigation support, investigative services, and expert testimony to support organizations worldwide. The company maintains offices across the globe to serve the needs of insurance companies, attorneys, and private and public entities in order to transform complex financial information into clear evidence. For more information about Lowers Forensics International, visit lowersforensics.com.

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“The insurance declaration page is an important document that can make the life of any policyholder a lot easier. Within this page, drivers can find all the information they need in various situations.”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

Los Angeles, CA (PRWEB)
June 30, 2020

Compare-autoinsurance.org has launched a new blog post that presents the most important things drivers should know about the car insurance declaration page.

For more info and free car insurance quotes, visit https://compare-autoinsurance.org/what-you-need-to-know-about-car-insurance-declaration-page/

An insurance declaration page is the first page of an insurance policy document and includes key information about the insurance policy. On the declaration page, policyholders can find the basic information that will help them file a claim, such as the coverage limits and deductible. The insurance declaration page includes a wealth of information. However, declaration pages are very user friendly, so it’s easy to find the information that is needed.

The insurance declaration page, also called the DEC page, might actually be several pages long. However, policyholders will always find it in front of their insurance documents. Usually, policyholders can find in a DEC page information such as:

• 
  Policy number. The policy number will be needed when filing a claim or when making a payment.
• Policy start and end date. In this section, drivers can find out when their policy starts and when it ends.
• Contact information for the policyholder. The name and address of the policyholder will be listed here.
• Premium. Drivers can find their insurance premium listed near the top of the DEC page.
• Named insureds on the policy. Drivers who have named insureds on the policy, like a relative or parent who lives with them, will have their names included here.
• Other named insureds. Policyholders who have a mortgage on their homes or a car loan, those lenders will be listed on the DEC page as another named insured.
• Insurance provider information. The name of the car insurance company, its address and contact details will be found in this section. Drivers who are working with an agent will find their direct information here.
• How to report a claim. In this section, drivers can find some basic information on filing a claim. It contains information about who drivers need to contact, what information they need to provide, and the timeframe for filing a claim after a loss occurs.
• Property details. In this section, the insured car information will be listed. Information like the make, model, and year of the car.
• Coverages. Here, drivers can find out what coverages are under their policies.
• The type of policy. For car insurance, this section will show if the policyholder has personal auto insurance, motorcycle insurance, RV insurance, etc.
• Coverage limits. Policyholders can find the coverage limits of their car insurance policies. Drivers are advised to review this information before filing claims.
• Deductible. Here, drivers can find the value of their deductible for certain coverages.
• Endorsements. Policyholders who added endorsements to their policies can find them listed here with the coverage limits and deductible, if applicable.
• Discounts. Drivers who are claiming discounts, like clean driving record discounts, can find them listed here with the savings amount.

When buying a policy, the policyholder will receive a number of documents, which will include a declaration page. They can get hard copies of the documents or they can receive them electronically. Once the policyholder receives a declaration page, he should review it for accuracy. If there’s a mistake in the DEC page, drivers should contact their providers and update the information as soon as possible.

The insurance declaration page is important because it contains relevant information about the insurance policy. The DEC page can help drivers who are confused about what their policy covers and doesn’t cover. Also, it can help drivers who are not sure about who to contact when filing a claim.

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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“Mileage-based insurance can help drivers save money on car insurance. All they have to do is to install a small telematics device in their cars and drive carefully”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

LOS ANGELES (PRWEB)
July 01, 2020

Mileage-based insurance is getting more and more popular. Policyholders can save money on their insurance if they allow their insurers to track their driving habits.

The reasons for preferring mileage-based insurances by both the policyholders and insurers are the following:

• 
  Mileage-based policies are highly customizable. These types of policies can properly reflect the true level of risk a customer pose. Mileage-based insurance is a type of policy where the costs are dependent on several factors like the type of used vehicle, how much time the vehicle is used, traveled distance, location, and the driver’s habits.
• The premiums are accurate. Mileage-based (also known as usage-based) premiums are based on true, documented driving habits of insured drivers. Previously, insurance companies had to guess approximately how many miles a person traveled annually or hope that their customer’s estimate was true. Unfortunately, many policyholders weren’t always truthful.
• Is convenient. A small telematics device that is installed in the vehicle is used to monitor the number of miles driven, how a driver takes corners, how he accelerates and many other parameters. Usually, the telematics device requires access to an OBDII port. This port is located just under the steering wheel or near the fuse panel. At some insurance companies, these devices are only capable of tracking the number of miles driven by the vehicle in a month or for the entire policy period.

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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