Posts tagged with "insurance"

Can’t Afford Dental Braces For Your Kids? Here Are 5 Solutions

The last thing a financially struggling parent wants to see is their child’s teeth coming in crooked. After groceries, school clothes, car payments and the rent or mortgage, there may not be much left to pay for a trip to the orthodontist so the child can be fitted with braces.

But for those determined to help their child improve their smile, there are ways to work around those financial difficulties.

 “Sometimes you must be creative, but many families who want to give their children orthodontic care can do so with a little planning and budgeting,” says Dr. Ana Castilla, an orthodontist and author of The Smile of Your Life: Everything You Need to Know for Your Orthodontic Journey (dranacastilla.com).

Dr. Castilla knows from personal experience what it’s like to be a child who needs and wants braces, but whose parents can’t afford them. She had to wait until she was an adult and could pay for them herself.

She says one of the first mistakes parents make is waiting until they think they can afford orthodontic treatment before taking their child in for an evaluation. However, waiting can only make the situation worse as many issues can be corrected easier and less expensively with early treatment. 

The American Association of Orthodontists recommends children be seen by an orthodontist no later than age 7. Dr. Castilla encourages all parents to take advantage of free consultations offered by most orthodontists so they can become aware of any issues with their children’s teeth. 

She also has several recommendations for ways to work orthodontic treatment into the budget:

Flexible financing. “Most orthodontic practices offer zero-interest in-house financing but not all of them are equally flexible in their payment plans,” says Dr. Castilla. She says parents should ask if they offer “extended financing.”  This type of financing is longer than the length of treatment. For example, the treatment may last only 24 months, but the last payment may not be due for 36 months.   

Insurance. You are not required to have insurance to get orthodontic treatment.  However, Dr. Castilla says if you do have insurance, be sure to read the policy.  “You need to be your own advocate and learn the rules of your coverage,” she says.  Many parents rely on an employer promises instead of reading the policy.  “Just because your employer says you have coverage for braces, that doesn’t mean you are fully covered – or even covered at all,” says Dr. Castilla.  There are many factors that affect coverage such as age limitations, waiting periods, and insurance payment schedules. 

Combine insurance policies if possible.  If you and another member of your household have two or more separate insurance policies, there is a chance that both insurances can help pay for treatment. Your employer’s human resources department should be able to help you maximize your benefits.

Use flexible spending accounts and health savings accounts.  “Many employers offer these accounts to their employees to help them manage their health expenses,” says Dr. Castilla. Employees can contribute tax-free dollars for payment of qualified medical expenses, such as orthodontics.   

Use third-party financing companies (medical credit cards). This is not the No. 1 option that Dr. Castilla recommends because of high interest rates.  “I would only consider this option if you cannot find an orthodontist that offers extended financing near you,” she says. “Make sure you read the fine print.”   

“I hated my teeth as a child, but I kept it to myself because I knew my parents could not afford braces for me,” Dr. Castilla says. “When I was finally able as an adult to fix my smile, I realized what a negative impact my old smile had on my self esteem. That’s why I want to help as many parents as possible afford a bright smile for their kids.”

HOW CAN YOU GET ADDICTION TREATMENT WITHOUT INSURANCE?

One of the most critical situations in modern society is being alone in a difficult situation. What do we have to do if you found out that you are alcohol or drug addicted? Surely, the first thing to do if you cannot control yourself is to ask for help. However, sometimes it happens that you have nobody to ask for help or people, who wish to help have no possibilities.

How much does rehab cost without insurance?

Actually, there is no correct answer to this question, because different recovery programs use different techniques, different specialists work with you, they use different medicines, and there are many other different conditions, which determine the price. First, look through the types of rehab facilities to choose the one you need. They may be medical detox centers, intensive outpatient programs, holistic rehab center, partial hospitalization programs, standard outpatient treatment, etc.

To talk generally, inpatient treatment usually costs more than participation in outpatient rehabilitation programmes in Bellevue. It is evident as the inpatient treatment foresees that you live in the facility and use all the conveniences, receive food, get medical supervision. The price also depends on how long you stay in the rehab facility and what other services and amenities you require (private rooms, swimming pool, gym, massage, etc.).

One is tempted to ask the question of what to do if you have no opportunities to pay for your addiction treatment? Is that possible to get help for addiction without insurance?

Different social programs may cover your expenses for the rehabilitation programme partially or fully. First, if there are some life-threatening risks of consuming some substance, you would receive emergency treatment and regardless of whether you can pay or not. Hopefully, you will not get into such a situation.

There also exist some options for flexible payment. They may be scholarship, grant, financing, etc. It is important to note here is that cutting corners on recovery programme may turn into future problems. It is of utter importance to reclaim your health and life. The fact is that you would spend more money on drugs or alcohol if you continue succumbing to the addiction than on any rehab for people with no insurance (find more here).

Do not be too lazy to call several recovery centers and find out what conditions of payment they have. First, many treatment facilities may offer reduced treatment costs or a sliding fee scale because of the pieces of evidence that you do not make high enough income.

Secondly, there exist some non-profit organizations or foundations, which may offer you some scholarships. Usually, one of the conditions of getting a scholarship is the absence of insurance. Application for such programs may give you the way to rehab for people with no insurance.

Thirdly, depending on your credit score, you may ask some lending institutions for providing drug or alcohol treatment without insurance. The specifications of such cooperation differ in each personal case.

Fourthly, do not be too shy to ask your friends and relatives. Sometimes they do not even know that you need this sort of help. Doctors say that involving family members into the process of recovery may make you closer and you would definitely feel more support. This may also change the views of your family on the attitude before and make it more integrated. A friend at court is better than a penny in purse.

To sum up, do not be afraid of sharing your problems. In the modern world, many people feel sympathy for those, who cannot afford treatment, so the only thing you have to do is to ask.

Author:

Jeffrey Buckley is a blogger who investigates human health issues and behaviorist anthropology. He researches substance abuse problems and the ways to overcome addictions.

 

Finance Trends for 2019 and Beyond

Trends That Will Impact the Finance Industry 2019 – 2020 and Beyond

It is undeniable that the pace of technological advancement is the major force behind the changes happening in the global financial services industry (FSI). Financial institutions are left with no choice but to adapt their business models accordingly to remain competitive in the markets they operate.

FSI outlook reports for 2019 to 2020 and beyond by two top financial consulting firms in the world, PwC and Deloitte, show that FinTech, digitization of operations, data analytics, client self-service, and blockchain are the most likely sources of disruptions in the financial services industry over the next two years. This article captures the real-world implications of these changes and provides insight on how organizations can prepare to win in the increasingly dynamic playing field.

FinTech to Steer the new Business Model

Today, there is nothing more disruptive in finance than FinTech. Using service-oriented innovative technology, FinTech start-ups have finally become the unopposable tools for breaking into financial services. A recent Global FinTech Survey by PwC showed that traditional players are worried of losing about 25% of their business to standalone FinTech start-ups within the next 5 years.

In a smart move to remain competent in the industry, incumbents are smartly embracing disruptions. Large to small financial institutions have come to the realization that it is no longer about integrating technology into business operations but using financial technology as a central facet of new business models.

Analytics: Key Decision-making Tool

Data has never been more critical to businesses like it is today. Data analytics combined with artificial intelligence and machine learning will be key technological trendsetters for the financial services industry in 2019 and beyond.

Business analytics is continually becoming an essential tool for truly transforming financial institutions into data-driven organizations. Financial institutions are expected to invest in technologies surrounding data analytics to realize the massive power of data on hand and that which they can collect (big data). 2019 and 2020 will therefore witness massive increase in data utilization by these institutions. Even institutions that offer products for Forex trading for beginners are keen to use advanced data utilization technologies to ensure that their customers are able to make profitable Forex trades from the onset of their careers.

Mainstream Digitization

Retail banking, payments, insurance, and wealth management are areas in which digitization of operations is already taking place at great lengths industry-wide. With internet development and continuous technological advancement, financial institutions are putting more investments into digitization of more and more business operations to achieve more efficiency.

The e-commerce way of doing things has become the new normal in financial services. This is evidenced by the tendency by financial organizations to transform traditional operational units into e-business units. This trend has also caught pace in financial regulatory institutions.

Shift to Client Self-service and Increasing Value of Customer Intelligence

Delivering superior client experience is one of the major competition grounds for banks, insurance companies and investment management firms. Every other day, these organizations are looking for new technologies to provide more relevant services to their clients and in the most seamless ways. Self-service platforms are especially growing in popularity.

As services become digitized, financial institutions are keen to provide technology-based solutions that add value and enhance client experience. It is no longer just increase the number of self-service functionalities.

Of critical importance is making sure that technological capabilities being developed are customer-intelligent. Customer intelligence deals with how an organization interacts with its customer as it seeks to meet the client’s needs. Being customer intelligent is a key trend that will potentially drive FSI revenue and profitability going forward.

Blockchain Will Become an Integral Part of Financial Institutions

Just recently, one of the world’s biggest banks, HSBC, reported how using a blockchain-based system enabled it to make significant cost savings on Forex transactions. It is evident that blockchain has started shaking things up in financial services. There is a surge in funding and innovation in FinTech and blockchain. There are convincing signs that the use of blockchain is likely to become a crucial part of financial institutions’ operational and technological infrastructure.

Adaptability: How to Win in Financial Services

Future winners in FSI are institutions that can envision and execute initiatives at a faster pace than the speed of change. The institution must have an evolving mindset and culture to enable it acquire the right talent and capabilities that will help to develop flexibility and innovativeness. It must also be prepared to invest adequately in securing its brand as a technology leader among its competitors. This is the only way to gain sustainable growth in the increasingly digital future.

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.