Posts tagged with "insurance"

Lawsuit Against Anthem/WellStar

Atlanta area attorneys Jason Doss and Joy Doss will announce the filing of a major lawsuit in the growing controversy over the disruption of medical services to thousands of Georgia residents in the wake of Anthem, Inc./Blue Cross and Blue Shield of Georgia, Inc. (Anthem) enticing new customers to switch health insurance providers during the latest open enrollment period to Anthem with the promise that Georgia’s largest health care provider, WellStar Health System Inc. (WellStar), would be an in-network provider. The details of the lawsuit will not be announced until the time of the phone-based news conference.

WHAT:

During the most recent open health care enrollment period of November and December of 2018, Anthem engaged in a health insurance coverage marketing scheme that lead consumers across Georgia consumers to purchase individual and family health insurance policies to believe that they would continue to have in-network access to the doctors, specialists, and hospital facilities of Georgia’s largest healthcare provider, WellStar. One month into the new plan coverage period and with customers locked into Anthem until January 1, 2019, WellStar is no longer an in-network provider under the Anthem Pathway health insurance plan.

WHO:

  • Jason Doss, attorney, The Doss Firm, LLC, Atlanta area.
  • Joy Doss, attorney, The Doss Firm, LLC, Atlanta area.
  • A Marietta area woman who has significant health issues requiring nine specialists will have to replace the majority of her WellStar specialists as well as her primary care physician from whom she has had treatment for 20 years.
  • An Atlanta area man who has had significant heart problems since 2004 and was diagnosed with prostate cancer in 2016 will no longer be able to see the same WellStar physicians and specialists for treatment.

WHEN:

1:30 p.m. p.m. EST, Tuesday, February 5, 2019.

WHERE:

Reporters can join this live, phone-based news conference (with full, two-way Q&A) by dialing 1 (877) 418-4267. Ask for the “Anthem/WellStar” news event. A streaming audio recording of the news event will be available on the Web as of 5 p.m. EST on February 5, 2019 athttps://www.dossfirm.com/.

MEDIA CONTACT:   Whitney Dunlap, (703) 229-1489 or wdunlap@hastingsgroup.com.

Safety Score

Autoliv, Inc. (NYSE: ALV and SSE: ALIVsdb), the worldwide leader in automotive safety systems, today introduced Safety Score by Autoliv, a smartphone application with the goal to make people of all ages become safer drivers.

Once downloaded and when active, Safety Score monitors real-time driver behaviors and compares it against Autoliv’s proprietary data algorithms and known causes of accidents and provides the user with a personalized 3-digit safe driver score. The higher the score the more safe-driving behaviors the driver exhibited over an array of data points including turning, acceleration, braking, speed and distractions. The app also collects and compares data on weather, type of roads driven on, time of day and trip duration.

“Today, nearly 1.4 million people die in traffic fatalities every year and that number is expected to increase,” said Cecilia Sunnevång, Ph.D., Autoliv Vice President of Research. “Autoliv has been collecting, studying and acting on accident data for 65 years and we believe the road to saving more lives includes improving driver behavior. Safety Score, when used regularly provides a unique understanding of an individual’s safe-driving patterns and provides a framework for coaching and improving safe-driving habits.”

Christoffer Malm, Autoliv Director of Digital and Mobility, added that having a personalized safety score based on individual driving behavior could also be used by ride-hailing, taxi, limousine and other fleet and professional driving companies to provide an objective picture of a user’s safe-driving habits and provide a platform for evaluating and improving driving behavior. Additionally, a personalized Safety Score based on individual driving behavior could also be used to reduce insurance costs.

“Many usage-based insurance programs collect vehicle data and score based on the performance of a vehicle, which often has multiple drivers, so driving behavior reported back to the insurance company isn’t personalized,” he said. “Safety Score assesses individual driving behavior – regardless of the vehicle driven – and provides a personalized score that could be used to determine an individual’s safe-driving behavior. The individual could then share this information with the insurance company to reduce costs.”

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3 Top Tips on Buying Your First Car

As soon as you pass your driving test, all you want to do is get out on the roads in your very own car. As exciting as this time may be, however, it’s still highly beneficial to exercise a bit of caution and patience. When it comes to buying your first motor there’s nothing smart about rushing in — doing so will see you face more problems further down the road.

Exercising caution doesn’t mean being inactive when it comes to finding the perfect car for you, though. You should still be proactive at this time, and you should still try to set up your life as a driver in the most fruitful way possible. To find three top tips on how to buy your first car in the right way, read on.

1. Sort out the financial aspects of the venture

Before you do anything else in your car-buying venture, you need to work out your budget as well as how much you are willing to spend. This is essential because it’ll stop your spending from spiraling out of control, and it’ll help you to avoid paying too little and then having to face any buying regrets further down the line.

You also have to take future running costs into account. It’s no good just factoring the cost of the car into your financial plans. You also have to deliberate insuring the vehicle, getting it taxed, getting it tested, and then having work done to it to ensure it is roadworthy.

Something else that you must consider is how you are going to pay for your car. Are you able to buy the car outright, or will you be going down the financing route? Regarding the latter, if you wish to take out a car loan to cover your bill, then you should check out the best auto loans at Crediful.com. Doing so will help you to make the most informed decision on the matter possible.

2. Be scrupulous when it comes to checking your chosen car

You may think that you have found the perfect car for you, but that might not necessarily be the case. Any vehicle can be made to look and sound good on the outside, but you cannot commit to anything until you’ve meticulously checked that your chosen car is in good working order. This means checking to ensure that the quality of your car is in keeping with its age, its model, and the number of miles it has run; this means ensuring that the car can carry out all the functions and purposes expected of it; and this means it matches its description exactly. If you can’t perform these tests yourself, then have a trusted mechanic carry them out for you. Only then will any underlying problems with the car be unearthed, and only when these troubles are unearthed can you stop them from becoming actual headaches of yours.

If you want your first car to truly help you in your quest to grow as a driver, then it needs to be in full working order. Taking the above advice is the first step, but there is something else that you must do: take it for a spin. Only when you get behind the wheel yourself can you get a feel for the car’s capabilities. When you take it for a ride, you should test the clutch and the brakes to ensure they do not feel worn, you should head to a road where you can hit at least 60mph to ensure it is capable of high-speed driving, and you should make sure that the steering wheel does not vibrate while you drive.

3. Don’t trust everybody’s advice

As an inexperienced car owner, you will experience plenty of people sticking their nose into your car-buying business. The family members and friends of yours who own their own cars will try to give you an insight into car buying — their advice might come with the best of intentions, but they don’t know your situation quite like you do. There will even be car dealers out there who try to push you towards certain buys — the advice they give will be very much designed to sway you towards lining their pockets. This all means that the only person that you can really trust in this situation is yourself, and you’re the only one who can bring about the best results for you.

Your first car will always remain a favorite of yours, even after many years (and cars) have gone by. Be sure you invest in a car that’ll last for many years so that you do not have to worry about further expenses.

Turo

by McCellies Mason × Vaughn Lowery

photos: Owen Duckett

Hop onto a fresh new set of wheels today with Turo! Sign up for the innovative car-sharing app Turo with Facebook, Google, or your email. Established in 2010, Turo is a peer-to-peer car sharing program where you can “book the car of your dreams.” Hosts on the app deliver a wide variety of cars with 250,000+ options. Turo is available for adults aged 21+ in 56 countries, 5500 cities, and with over 6 million users.

Getting into a new vehicle has never been more simple! Just meet the car owner to pick up the car. Many owners offer delivery, so they may bring it right to you. Take a look at the car, show them your license, grab the keys, and you’re all set for the fun. The owner will confirm or decline your trip within eight hours, but typically it’s much sooner. You can even pick up a car remotely with TuroGo, which allows owners to unlock cars from their phone, if the car’s system supports it. Book cars instantly on listings with the “Book Instantly” badge. You can even message owners directly and exchange numbers for easy drops or arrange meeting times at the airport.

No insurance? No Problem! Turo offers 3 different liability insurance packages from liberty mutual in the US and other major carriers across Canada and Germany. Those who prefer to use their own insurance can decline this option. Turo even allows customers to add a secondary driver onto trips, in case you have a friend coming along for the ride.

For those looking to become a little more adventurous, add-ons are available, like car-seats, mountain bikes, ski racks and more. This great alternative to conventional rental car companies offers exclusive cars that you can’t find anywhere else, like The Dodge Challenger SRT Hellcat, with 6.2-liter V-8 good for 707hp. Rates for nice luxury cars are a bargain such as the 2017 Infiniti Q50 for only $52 per day! Turo is also great for people who already own a set of wheels. It’s a great way to earn extra cash for college or simply subsidize your car payment when you need to.

Listing your car on Turo is as simple as getting one, just create a free listing within a few clicks. Describe your car, upload some clean photos, and you’re ready to go. Be sure to keep your calendar up to date, so travelers know when your car is available. Turo holds about 10 to 12 orientation and communication events per year. The most recent one was in NYC, where they brought together active hosts and offered app feedback to the engineers and marketing representatives of Turo. You can learn more about how Turo works here.

Turo granted 360 Magazine the special opportunity to try the service out for themselves with a 2017 Porsche Macan GTS SUV. The luxury car is available on the app for a great price! Cruise around your city with 360hp and a digital dash. The candy red paint finish coupled with black interiors and red accents really set the tone for the night, as the car is a complete attention getter. Turo is available on Apple and Google Play. For more information visit turo.com and be sure to check them out on Facebook, Instagram, and Twitter as well.

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Moving to a New State With a Car? Here Are 7 Tips to Have a Smooth Transition

According to the American Moving & Storage Association, 11.2% of Americans moved in 2015-2016. That comes out to 35.1 million, or 15.3 million households with 2.3 persons per household. If you’ve ever moved, you know how hectic it can be: packing, unpacking, and getting settled in. It can be even more stressful when you’re moving to an entirely new state. On top of moving and getting acquainted with your new home, you also have to apply for a new driver’s license, update your auto insurance, and register your vehicle. You also need to know when to renew your driver’s license in your new state. To help make the transition as smooth as possible, here are seven tips you should know when moving to a new state.

1. Find Your New State’s DMV. If you move to a new state, you must apply for a new driver’s license. Most states require you to apply for a new license within 30 days of becoming a resident. If you are a student, however, you most likely do not have to apply for a license in the state where your college or university is located because you’re not considered a resident. Because you’re a new resident, the state will probably require you to visit the DMV in person. To save yourself time, you can go online and find your local DMV branch. There, you can locate basic information, including the address, office hours, services offered, how many days you have to apply for a driver’s license, when you’ll need to renew your license, and what documents you’ll need to apply for a new license. To save you even more time, some states, such as Washington allow you to pre-apply for a driver’s license online.

2. Apply for a New License. Once you’ve found your local DMV, you’ll need to apply for a new license. In most cases, this is a simple trip to the DMV where you have your picture taken and pay a small fee, as long as you have the following.

  • Your valid out-of-state license that contains a picture. If your license is suspended or revoked in another state, you can not apply for a new driver’s license
  • Your Social Security Number
  • Proof of residency (a utility bill or bank statement)

Some states also require that you take a vision test or written exam on state driving laws. Again, visit your state’s DMV website to find out the exact documents andrequirements you need to obtain a new driver’s license.

3. Register Your Vehicle in Your New State. While you’re at the DMV, you might as well go ahead and register your vehicle in your new state. If you own your vehicle, this shouldn’t be a hassle. Simply bring your title and proof of insurance, and pay a small fee. Other states do require that your vehicle pass an emissions test and vehicle safety inspection.
If you’re financing or leasing a vehicle, this can be a little more complicated since you don’t have the title. In this case, you need to contact your lender and ask them to mail the title to your local DMV. After they register your vehicle, the DMV will mail the title back. Because each state has different laws, visit your state’s DMV website to locate the specific process for registering your vehicle.

4. Update Your Auto Insurance Policy. Insurance requirements vary from state-to-state. Most require you to have minimum coverage, while some allow you to pay an uninsured motorist fee. Regardless of the exact laws, if you want to avoid any financial or legal repercussions, make sure to call your current insurance company to update your policy. Your insurance company should be able to connect you to an agent licensed in your state to help you determine the right policy you’ll need.

5. Register to Vote. If you want to participate in elections your new home area, you’ll need to register to vote. Thankfully, when you’re at the DMV, you can also register to vote in your new state.

6. Surrender Your License Plates. When moving to a new state, your previous state might require you to surrender your license plates. You can do this by dropping them off at the DMV or mailing them back to the DMV. This ensures that you don’t have to pay extra in property taxes. In some situations, you might also be able to receive a refund for any overpaid taxes and registration fees, but you’ll need to contact your county clerk to handle the matter.

7. Renew Your Driver’s License in Your New State. Now that you have your new license, the driver’s license renewal process in your new state is fairly straightforward as long as don’t let your license expire or have it suspended.
Depending on the state, your new license will be valid for 4 to 8 years. If you aren’t sure of the exact date, you don’t need to panic because you’ll receive a renewal notice in the mail. After you’ve received the notice, you have the option to renew your driver’s license in person, by mail, or online by providing the same documents you used to apply for your new license. If you’re in the military and stationed out of state, you can renew your license by phone or by asking for an Extension of License for Person in Armed Forces card. And, don’t forget to have a credit or debit card or check to pay the driver’s license renewal fee. The amount varies from state to state, but your renewal notice should state the amount you owe. If not, contact your state’s DMV.

For more info visit https://www.moving.org/newsroom/data-research/about-our-industry/

What Should I Do after I’ve Been in a Traffic Accident?

Going through a traffic accident is a traumatic experience that can leave a lasting effect on you and your car, which might need serious collision repair after the accident. If you’ve been involved in a car crash, a surge of adrenaline is the first thing you are going to feel. After the initial kick it gives, you are left in shock and slowly start putting the pieces together.

After the shock has subsided, you are left in a very unfavorable situation of clearing up the mess. But not everyone knows who to call first, what to do and when to leave the accident. If you find out that any party has sustained an injury you need to contact the emergency services immediately.

If both parties were fortunate enough to avoid any serious injuries, this article will explain the steps you need to take immediately after an accident.

Clear the Traffic and Call the Authorities

Once you’ve made sure no one got hurt in the accident, you should move the vehicles from the road to avoid disturbing the traffic if they are still drivable. Park the vehicles and turn the engines off. If you won any safety items like warning signs or cones, set a perimeter around the vehicle. Even if your injuries might not be apparent, you might have sustained an injury like a whiplash that might not manifest right away. That’s why if you feel any pain or discomfort, stop moving until the emergency arrives. Contact the police even if the damage is minor. Their report is crucial for the insurance claim.

Exchange Information with Other Participants

After the collision shock subsides, you should make sure you exchange all the information with other participants in the crash. This information includes:

●Names and contact information
●Vehicle description including model, year and color
●License plate and drivers’ license numbers
●Insurance Company information
●Accident scene address or location
●Witness’ names and contact information
●Police officers’ name and badge ID.

Try to be polite and respectful, but never admit fault until the police have finished their report. If you have a good phone camera, take pictures of the vehicles that were involved in the crash. Make sure to get good shots of the damage and the scene. Don’t sign anything unless the police or your insurance company agents ask you to.

Contact Your Insurance Company

Before departing from the scene where the accident happened, make sure to contact your insurance company representative or agent. Be as honest as possible because you risk your claim being denied if it turns out you were lying. If you can safely drive away from the accident in your car, let the insurance
company know that. If not, the company will refer you to a towing company and probably recommend a respectable collision repair service to take care of the damage to your car.

If you are found at-fault for the accident, you will have to pay the deductible stated on the insurance policy once you’ve picked your car up at the body shop. If however, you believe the other driver was at fault don’t agree to close the insurance claim but hire an experienced attorney to represent you instead.

Autonomous Cars

Ready or Not, Autonomous Cars are Coming: We are well past the point of autonomous vehicles being a fad. With several production cars around the world already coming from the factory with partial automation features, manufacturers, ride sharing companies, and rental car companies are in an all-out race to lead innovation in autonomous vehicle technology. That intense competition will also lead many to take risks.

 

Auto Insurers Betting on Autonomous to Decrease Frequency of Accidents: Auto insurers have already begun factoring the growth of autonomous and semi-autonomous technologies, such as forward collision warning with autobrake, adaptive headlights, and blind spot assist into future claims projections. In general, the industry is betting on autonomous technology to ultimately decrease the frequency of accidents, but not the severity of accidents that do occur.

 

You Are Being Recorded: One of the most interesting implications of the autonomous vehicle movement on the P&C insurance industry is the vast amount of data that is being collected by these technologies. According to a new studyconducted by J.D. Power in collaboration with Miller Canfield and Mcity, nearly three fourths (74%) of consumers say they are willing to share autonomous vehicle data after a collision, potentially giving insurers broad access into the details surrounding a crash and the ability to expand the current telematics offerings they currently have in place, which offer discounts to safer drivers. According to J.D. Power data, these telematics-powered offerings have been associated with high levels of insurance customer satisfaction.

 

 

Wounded Veterans × 450-Mile Bike Ride

Wounded Veterans Dedicate 450-Mile Bike Ride To Supporting First Responders

  • More than 100 military veterans will ride from San Francisco to Los Angeles during the 2017 UnitedHealthcare California Challenge, benefiting veterans and first responders with PTSD and other injuries
  • First-day ride features 76-mile route from San Francisco to Santa Cruz

 
WHAT: More than 100 wounded military veterans, first responders and supporters are dedicating an upcoming 450-mile ride from San Francisco to Los Angeles to first responders everywhere – from the Bay Area to Las Vegas and Puerto Rico. The UnitedHealthcare California Challenge, which runs from Oct. 15 to 21, will begin at the San Francisco Veterans Administration at 8:15 a.m. Sunday, Oct. 15.

The California Challenge is a collaboration between UnitedHealthcare and Project Hero, a national nonprofit organization that helps veterans and first responders affected by injury, post-traumatic stress disorder (PTSD) and traumatic brain injury achieve rehabilitation, recovery and resilience in their daily lives. 

Riding through historic sites, civic centers and local attractions, the riders make the journey with hand cycles, recumbent cycles, adaptive bikes, traditional road bikes and custom tandems. Local veterans are invited to ride on a single-day basis for a per-day registration fee, and local supporters are encouraged to cheer on the cyclists as they ride through communities along the route. To sign up or get more details on the route, visit ProjectHero.com. The full UnitedHealthcare California Challenge schedule includes:

 

  • Sunday, Oct. 15 – San Francisco to Santa Cruz , 77 miles
  • Monday, Oct. 16 – Santa Cruz to Salinas, 42 miles
  • Tuesday, Oct. 17 – Salinas to Lake Nasciamento/San Simeon, 120 miles
  • Wednesday, Oct. 18 – San Simeon to Pismo Beach, 56 miles
  • Thursday, Oct. 19 – Pismo Beach to Solvang, 74 miles
  • Friday, Oct. 20 – Solvang to Ventura, 72 miles
  • Saturday, Oct. 21– Ventura to Los Angeles, 63 miles

 
WHEN: Sunday, Oct. 15

8 – Photos and interviews

8:15 a.m. – Formal program begins

9 a.m. – Riders begin the UnitedHealthcare California Challenge
WHO: Local military veterans and their families including adaptive riders and their bikes, community leaders and supporters, including:

  •  UnitedHealthcare executives
  •  Project Hero and ride organizers

 
WHERE: San Francisco Veterans Administration, Main Entrance

4150 Clement St., San Francisco

Conclusion of Day One

Holiday Inn Express & Suites, 1410 Ocean St., Santa Cruz, Calif.

Riders are expected to arrive at 2 p.m.

 
PHOTOS/ Media are invited to photograph riders and military veterans. 
 
 
About Project Hero

Founded in 2008, Project Hero is a groundbreaking national non-profit organization dedicated to helping Veterans and First Responders affected by PTSD, TBI and injury achieve rehabilitation, recovery and resilience in their daily lives and increasing awareness of the national mental health crisis posed by PTSD and TBI. Project Hero programs work by producing positive outcomes at lower costs and reducing drug-based therapies. Project Hero builds and provides adaptive bikes to physically-challenged and injured Veterans and First Responders and has helped tens of thousands of our Healing Heroes at no cost to participants through cycling events, community-based programs in more than 50 cities throughout the US and by supporting research. For information, visit www.projecthero.org.

 
About UnitedHealthcare

UnitedHealthcare is dedicated to helping people nationwide live healthier lives by simplifying the health care experience, meeting consumer health and wellness needs, and sustaining trusted relationships with care providers. The company offers the full spectrum of health benefit programs for individuals, employers, military service members, retirees and their families, and Medicare and Medicaid beneficiaries, and contracts directly with 1 million physicians and care professionals, and 6,000 hospitals and other care facilities nationwide. UnitedHealthcare is one of the businesses of UnitedHealth Group (NYSE: UNH), a diversified Fortune 50 health and well-being company. For more information, visit UnitedHealthcare at www.uhc.com or follow @UHC on Twitter.