Insurance Incorporated

In order for a child to be exempt from a surcharge on a child only health insurance  plan  the child must enroll within the month of their birthdates or have had prior continuous coverage during the 90 day period prior to submitting the application to be exempt from the surcharge.

Enrolling outside of an enrollment period may result in higher rates. as much as 20% for a period not greater than 12 months if the applicant did not have continuous coverage during the 90 days prior to the date of the application and is not a late enrollee compared to the rates available during an open enrollment period. 

Applicant may also qualify for late enrollment if they meet other qualifying events. Those events include:

* Loss of coverage due to:

1. Termination or change in employment status of the child or the person whom the child was cvovered

2. Death, of the person through whom the child was covered

3. Cessation of employers contribution.

4. Legal separation or divorce

5. Loss of coverage under Healthy Families Program, Access for Infants and Mothers Program or Medi-Cal Program

6. The adoption of a child.

* The child became a resident of California during a month that was not the childs birth month

*The child is born as a resident of California and did not enroll in the month of birth

* The child is mandated to be covered pursuant to a valid state or federal court order

* The child is within 63 days from their date of birth or adoption

Please note that children must apply for coverage within 63 days from the qualifying event in order to be considered a late enrollee.

For more informationcontact one of our offices in Southern California (City of Industry, Fillmore or Riverside) for a free quote call our office at 877-898-9333

Its already covered.

Even the best homeowners policy may be limited in the protection of your valuables.  Generally homeowners policies have limits of $1,000 – $2,000 maximum on jewelry and coverage is limited.  A personal articles or jewelry policy provides broader coverage for theft, mysterious disapperance or damaged and offer higher limits of insurance.

It’s too expensive

Standard coverage for jewelry worn regularly costs one to two percent of the items appraised value. If you typically keep it in a bank vault the rates are considerably less, about one third the cost.  You are only charged the higher rate when you take your jewelry out of the vault.

It’s too much work

The prospect of obtaining appraisals for all your jewelry can seem daunting. Some carriers only require appraisals on items valued at $50,000 or more. A good description  and estimated value may suffice.

My Jewelry isn’t vulnerable.

Perhaps you have taken extra efforts to protect your jewelry, including the installation of a home security system and periodic maintenance with a professional jeweler. But there is still risk. Every year, nearly $1 Billion of jewelry disappears in the United States, according to the U.S. Dept. of Justice. By itemizing your jewelry with a personal articles policy you don’t have to worry about an accidental loss, chipped or stolen item since a personal articles policy covers these perils. A Homeowners policy may not cover mysterious disappearance or damage.

For more information or a quote on jewelry, fine arts, musical instruments or stamp and coin collection contact our office at 877-898-9333 or log into www.insuranceinc.com for more information

Our agency will donate $20 to the Riverside Poly High School Marching Band when you insure with us!

How does your insurance company stack up with Mercury Insurance?

Contact us today for a fast, free quote to see how much you can save! If you are a college graduate don’t forget to ask about additional discounts!

Call 877-898-9333 or log onto www.insuranceinc.com today for more information!

Graduating from college is a huge accomplishment. In fact in 2007 only 29% of all Americans had earned a bachelors degree. So attaining a college degree puts you in a pretty exclusive club and hopefully, better prepares you for the exciting life ahead.  One downside to leaving campus and entering the “Real world” is losing your school sponsored health insurance benefits. So what is a new grad to do?

Unless you have a job lined up that offers benefits, you will need to find a way to cover yourself. Sure it’s easy to opt out of health coverage as you are probably a young health kid. But this is not a wise decision.

While you are in search of a new career you can get health benefits through your parents until age 26 under the new Obamacare. You can also consider going out and finding your own coverage. By utilizing the resources of Insurance Incorporated, an indpendent insurance agency, you can shop the top carriers in the country with one phone call to find you health coverage that is affordable and reliable. Our dedicated agents will take the time to find you a policy that you are comfortable with.

Contact us today at www.insuranceinc.com

Having a safer workplace can have a siginicant impact on your employee productivity, but most importantly, your costs. When practicing a safe work environment, it could help control the cost of workers comepensation. When there are fewer losses and claims, it ultimately leads to a lower experience modifcation, or ex-mod, which could save you a ton of money! For example, another business in the same category, or class code, as you could be paying more or less depending on the ex-mod. It could be either a credit or a debit (Ex. 1.20 or .80) which is multiplied by the total premium on the policy.

Here are some tips for you to help create a safe work environment:

1. Define Measureable Program Objectives

Align all executives with key program metrics such as frequency and severity reduction, while requiring unilateral commitment to the safety program.

2. Provide Appropriate Employee Training

Initiate formal training at the top of the organization before filtering it down to the front line employee level.

3. Determine Roles & Responsibilities

While training remains on-going, assign specific safety enforcement tasks to each level of management including senior executives, managers and supervisors.

4. Enforce and Reward Program Performance

Require constant and consistent enforcement of safety rules, while incorporating performance of these tasks into formal reviews and reward programs.

5. Establish Loss Control Plans

Following a loss, help employees feel productive as quickly as possible through formal Return to Work programs, while establishing an open and honest dialogue with the injured worker and claims examiner. This is important!

Keep in mind, in the State of California, failing to have workers’ compensation coverage is a criminal offense. According to Section 3700.5 of the California Labor Code makes it a misdemeanor punishable by either a fine of up to $10,000 or imprisonment in the county jail for up to one year, or both.

Here at Insurance Incorporated, we want to help promote a safe work environment for you and your employees. Visit our website for more details or give us a call at our office today!

1. Your personal belongings in your vehicle are not covered!

When it comes to your personal belongings (property) in your vehicle, your auto insurance will not cover it if it is stolen or destroyed. However, it is covered by your homeowners insurance if you have one.

2. You may be eligible for a diminished value claim

The moment you drive your brand new car off of the dealership lot, the value of your car decreases significantly. The same could be said when you get into a car accident, the value of your vehicle also decreases due to the collision. If you are trying to sell the car, it might be difficult since all used cars have a history report, which would make it less appealing for buyers.   Most buyers will not purchase a vehicle that has been in an accident unless they receive a discounted price. Your insurance company must reimburse you for your damages.You may be eligible to file a diminished value claim in addition to the claim for the loss if you can prove your vehicle has suffered a loss in value  due to the accident.

3. Coverage for your pet’s injuries

 The “Medical Payment” on your auto policy covers you and your passengers’ medical expenses due to the accident. What about your pets? Shouldn’t they be considered passengers as well? Some insurance companies will pay up to $1,000 for veterinarian bills, however, some may not. Make sure you find out if your insurance company does.

4. Save money by paying a lump sum

Pay for your insurance in a lump sum instead of paying monthly. When you are paying monthly, you would be charged an interest rate for doing so. When you are paying, let’s say, one lump sum over one  year, many insurance companies may even offer discounts to you. The policy price is usually higher when it is spread over 12 months.

5. Taxes and Fees Covered by Your Car Insurance

If your vehicle is declared a total loss, the tax and registration fee may be covered by your insurance company. Some states only require the insurance company to reimburse you for the taxes and registration fees when you purchase a new vehicle within a certain amount of time. Make sure what is covered or what is not covered with your auto insurance!

Sources: Yahoo! Finance

Last Thursday, a South Carolina woman had taken her vehicle to a mechanic because it would suddenly stop running. The mechanic had found a cheeseburger and a pickle inside the car’s gas tank. She said she had no idea how it happened. Maybe she thought her car was the DeLorean from Back To The Future.