While some people choose to use Original Medicare coverage, others switch to using a Medicare Advantage plan instead. How do these plans work? What are their advantages and disadvantages? What Is Medicare Advantage?  Medicare Advantage plans work in the same way as Original Medicare; however, they are managed by private companies. These plans give you standard Parts A and B benefits. They also often include other benefits that don't come in standard plans.

Bundling insurance policies merely means having more than one insurance policy with the same company or agent. So, if you have car insurance, homeowner's insurance, and business insurance, and you have each policy through only one company or agent, you've bundled them together. If you have each policy through a different insurance company, you're not bundling them. It's that simple. However, there are a few advantages to bundling that you should take advantage of.

As a fleet manager, you know how important it is to protect the vehicles your employer entrusts to your care. You must ensure they are ready to drive each day. You also must ensure your drivers are capable of being safe and avoiding wrecks while out on the road. However, you also know mishaps can occur without warning and cost your employer a significant amount of money. You can offset some of this liability by investing in solid commercial auto insurance for your fleet vehicles.

Negligent driving is common, and the behavior happens whether a driver is licensed or not, which is why there are safety laws. Causing a fatal collision or severe injuries while driving negligently usually leads to time behind bars. However, for a driving offense that does not lead to anyone getting injured, the punishment is usually strict but less severe than jail time. Someone who is caught driving at a dangerous number of miles over the speed limit might get restrictions placed on his or her driving privileges.

Car insurance is great, but it doesn't always provide you with all your coverage. That is where add-ons come into play. Add-ons are designed to enhance your insurance coverage and ensure that you are protected against everything possible. The add-on that you need really depends upon your individual situation. Here are a few add-ons that you should consider.  Roadside Assistance If you don't have an outside roadside assistance plan, you will want to get one with your insurance company.

When shopping for car insurance, you need to understand how the premiums are set. Insurance agents consider a variety of factors when they set these rates. Each aspect can significantly impact the amount you pay each month. This post discusses some of the most crucial car factors that influence auto insurance premiums. Your Car's Make and Model  The type of car you drive is one of the most important factors that will determine your auto insurance rates.

Did you recently have a house fire that caused a lot of damage to your home and your belongings inside it? If so, you'll need to know how to handle your personal property claim with your insurance adjuster. Estimate The Damage The easiest way to deal with your personal property is to allow an insurance adjuster to estimate the damage that was caused. Insurance adjusters can make this estimate in a few different ways to ensure that it is as accurate as possible.

The COVID-19 pandemic has given everyone numerous life lessons. But key among them is the importance of a good health insurance plan. Medical exigencies are so unpredictable, and the accompanying financial implications can be tough to handle.  But even without COVID-19, there has been a prevalence of lifestyle diseases like diabetes, stroke, heart attack, and hypertension for both the young and the elderly. A health insurance policy ensures you're well protected when such diseases strike.

Home insurance allows you to meet mortgage requirements, protect your home and possessions. While most homeowners appreciate the benefits of home insurance, navigating through the policy can be an overwhelming task. This article highlights the most critical factors to consider when purchasing home insurance.  Consider Your Coverage Options  Home insurance provides different coverage options. Thus, one must review the policy to ensure they are adequately covered. Typically, the insurer will require you to have building insurance covering damages to the home structure resulting from identified perils.

As a business owner, you have some legal responsibility to protect your employees. This remains true if you send any employees overseas for work-related purposes. Specifically, if your business secures a work contract with the United States government, you'll probably be required to carry something called Defense Base Act (DBA) insurance for the workers who will be traveling. Specifically, a DBA insurance policy is designed to protect your employees from health/medical costs if they are injured or become sick while traveling for work.