The October 26th, 2008 Show
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Topics
The BT Test™ and Early Breast cancer Detection
When detected and treated in its early stages, breast cancer carries a 96-percent survival rate - yet the disease kills more women than any other form of cancer.
Learn about the new BT Test to aid doctors in more accurately diagnosing breast cancer in its early stages..
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Insurance In The News
Michelle's Law (Encore Presentation)
Halfway to earning her teaching degree, 20-year-old
Michelle Morse found out she had colon cancer.
When doctors urged her to lighten her course load,
Michelle discovered that her insurance would stop unless she remained a full-time student.
Man On The Street
In a continuing effort to find out just how your insurance matters we are takin’ it to the streets.
It's our monthly MOS segment. It's fun, enlightening, informative, it's you
Special Guest:
Christa Corn, MD
2040 W. Bethany Home Rd., Suite 1
Phoenix, AZ 85015 602.246.8666
Term of The Week
AUTO INSURANCE POLICY
There are basically six different types of coverage's. Some may be required by law. Others are optional. They are:
- Bodily injury liability, for injuries the policyholder causes to someone else.
- Medical payments or Personal Injury Protection (PIP) for treatment of injuries to the driver and passengers of the policyholder’s car.
- Property damage liability, for damage the policyholder causes to someone else’s property.
- Collision, for damage to the policyholder’s car from a collision.
- Comprehensive, for damage to the policyholder’s car not involving a collision with another car (including damage from fire, explosions, earthquakes, floods, and riots), and theft.
- Uninsured motorists coverage, for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance.
Insurance Information Institute (I.I.I.)
Larry's Tip of The Week
Why Some Cars Cost More To Insure
You might want a sports car or a fancy SUV, but your insurance company may charge you more to protect you while driving it.
Insurance premiums are based partly on the price of the vehicle, which affects the replacement cost if it is stolen or "totaled" in an accident. How expensive the vehicle is to repair -- including parts and labor -- can also affect the cost. In addition, surcharges may apply to vehicles that are frequently stolen or involved in accidents.
Industry-wide information on injury claims, collision repair costs, and theft rates by vehicle model is available from the Highway Loss Data Institute (HLDI). You can write them at 1005 North Glebe Road, Arlington, VA 22201. HLDI is affiliated with the Insurance Institute for Highway Safety (IIHS).
According to HLDI, the lowest injury claims are from large vehicles -- cars, pickup trucks, and sport-utility vehicles. Small 2- and 4-door cars have the highest injury claims. Small cars also are among the highest in collision costs, along with sports cars.
If you have your heart set on a sporty vehicle, you'll probably pay dearly. Insuring a high-performance car can easily cost two or three times the insurance amount for an ordinary model.
Sport-utility vehicles, the hottest market segment, often have higher insurance rates than mid- and full-size cars, but some SUV models are relatively cheap to insure. SUVs are "hot" for other reasons: They are among the most frequently stolen vehicles, and they are more expensive than most cars. Cadillac's Escalade is currently the most popular model sought by thieves, but it's followed by the Nissan Maxima sedan. SUVs also can cost more to fix after an accident if the 4-wheel-drive system is damaged.
reference: howstuffworks.com