Navigating the Thrills and Spills of Insurance

With all of the recent natural disasters you may have taken stock of your own home and thought about what you might do to replace items you might lose in such a scenario. Here is a helpful link from the site United Policy Holders that helps explain how you might go about dealing with such issues.

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United Policy Holders is a non-profit [501 (c)(3)] dedicated to helping consumers successfully navigate various types of insurance to make sure each gets the best deal and fair shake when it comes time to both buying and using insurance. Think of them as a sort of Consumer Reports of insurance.

In fact, here is their mission statement posted on the home page:

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Just to the right of the mission statement is a short list of broad topic areas covered on the site:

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Today let’s focus on what can be done in the event you have to make a claim on your property due to some sort of disaster. They have a detailed, step by step tutorial on how to successfully make claims to replace much of, if not all of, your damaged property here:

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They even offer tools to help inventory your household items in advance to avoid having to complete the arduous task after a disaster has struck. There is even an app to assist in the process, if you get into that sort of thing:
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Another helpful feature I found was an example of an actual letter sent to an insurance company requesting an extension on the time allowed to complete a claim:

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This site offers a wealth of information from which anyone may benefit because nearly all of us have insurance of one type or another. This site aims to help us identify how to proactively take advantage of all our insurance carriers promise and to avoid being taken advantage of by what can be a bloated, dense bureaucracy.

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Drinking and Driving among High School Students, 1991-2011

http://www.cdc.gov/vitalsigns/TeenDrinkingAndDriving/index.html

This report from CDC (Centers for Disease Control and Prevention) Vital Signs provides statistics on teenage drivers aged 16 and above. The years 1991-2011 are reviewed. Statistics include the percentage of teens who drink and drive, by race, age, and state. The full report lists both state and national statistics. A breakdown between male and females who drink and drive is also listed in the full report.

National Motor Vehicle Title Information System

http://www.vehiclehistory.gov/

The National Motor Vehicle Title Information System is provided by the Department of Justice and the American Association of Motor Vehicle Administrators to protect consumers trying to purchase a vehicle. The site shows important information about a vehicle’s history, including title data, the brand history, the odomotor reading, the total loss history, and salvage history. Used car buying tips, along with a glossary and FAQ’s are also included.

Cost of Injury Reports

http://www.cdc.gov/injury/wisqars

WISQARS (Web-based Injury Statistics Query and Reporting System) is a database that gives reports of injury related information.  From this source you can find data about fatal injuries, nonfatal injuries, and violent deaths.  Cost estimates for both fatal and nonfatal injuries are also available.