Topic
Insurance Fraud Against the Consumer
How you, the consumer, can protect yourself from fraudulent companies
Guest
Erin Klug
Public Information Officer
for the Arizona Department of Insurance
www.id.state.az.us
WHAT?
The mission of the Arizona Department of Insurance is to faithfully execute the state insurance laws in a manner that protects insurance consumers and encourages economic development.
WHERE?
Arizona Department of Insurancewww.id.state.az.usAZ-DOI
2910 N. 44th St. Suite 210
Phoenix, Az. 85018-7269
QUESTIONS?
Consumer Assistance
For insurance questions/problems...
Phoenix Area:
(602) 364-2499
Tucson Area:
(520) 628-6370
Statewide:
(800) 325-2548
The Insurance Term of the Week:
Federal Insurance Administration
The "Federal Insurance Administration", FIA, is the federal agency in charge of administering the "National Flood Insurance" program. It does not regulate the insurance industry.
Most homeowners policies don't cover against flooding. In fact about 25% of all claims come from low risk areas.
Federal disaster assistance generally offers loans to help cover flood damage, not compensation for your losses. Even then, those loans are only available if the President formally declares a disaster. Federal declarations occur in less than half of all flood events.
A flood insurance policy will reimburse you for covered losses, even if the flood is not a federally-declared disaster.
Residential insurance for flooding is usually written with coverage amounts up to $250,000 on your structure and up to $100,000 in personal property coverage. Your premium will depend upon your location, whether you are in a flood zone and the coverage limits you select. The average cost for a preferred policy in a low risk area is around $125.00 per year.
Check with your insurance adviser for rates and appropriate coverage limits.
Coming Soon: Audio Archives of Your Insurance Matters
Topics
The importance of a will and how it works,
What is probate court,
The best way to designate a beneficiary on a life insurance policy, and
A proposed constitutional amendment to protect freedom of choice in health care
GuestsLarry J. Busch Jr.Estate Planning attorney
(Live in studio to take your phone calls)
www.ysfi.com
WHO?
Larry J. Busch, Jr. is an attorney whose goal is to help people plan for their business and personal futures, to avoid conflicts and pass along their assets easily and with as little family conflict and government interference as possible. Larry strongly believes that advance planning avoids potential problems, which not only saves his clients huge litigation fees, but also provides peace of mind and an easy transfer of assets to his clients' heirs.
Larry J. Busch, Jr. is the lead attorney for Your Source Legal. Larry focuses his practice on using a wide variety of legal tools to help clients protect their assets while giving them a flexible plan which ensures that their families, charitable organizations, educational institutions, or whomever else they want to benefit will actually receive their gifts.
A graduate of Iowa State University, Larry worked in the corporate communications/public relations field for both private and public entities before earning his law degree from the University of Missouri-Kansas City. Larry is a member of both the Arizona Bar Association and the Missouri Bar, and has always concentrated his practice in estate planning, business law and real estate transactions.
Larry has been married to wife Nancy for 15 years, and they have three fantastic children who keep them busy. Lawson, 10, is an aspiring football player; Connor, 7, loves soccer and tetherball, and their little princess, Dayton, 4, is the singer, animal lover and overall socialite of the bunch. Larry and Nancy recently renewed their wedding vows in Hawai'i, and enjoyed it so much they plan on renewing vows every five years in a different location each time.
WHAT?
The Your Source Family of companies is a dynamic organization dedicated to providing counsel to financially successful families and businesses. Our firm provides direct access to sophisticated expertise, knowledge and services. We create a mutually beneficial relationship with our clients equivalent to what larger firms can provide, but with the ability to remain true to our values of customer service. We strive to create vision, build enthusiasm and cause action in your financial relationships.
Your Way. Your Source.
You're Invited.
WHERE?
Your Source Financial707 E. Northern Avenue
Phoenix, AZ 85020
(SE Corner of 7th St. & Northern Ave)
P: 602.343.1700
F: 602.343.1710
www.ysfi.com
WHAT?
As Americans, we understand the importance of liberty and freedom. As Arizonans, we value the ability to make our own choices. As parents, friends, husbands, wives, and families, we do not want faceless bureaucrats deciding what health care we can receive, determining whether we can get a second opinion, or choose alternative therapies.
From our right to free speech in the First Amendment, to our right to bear arms in the Second, to our overwhelming approval of the importance of property rights, in Arizona, we believe that acting to protect our liberty is not just an option, it is an obligation. The "Freedom of Choice in Health Care Act" will preserve and protect the rights of individuals to make their own health care and health insurance choices. Currently, many lobbyists and special interest groups in Arizona and around the country are promoting policies that would limit or even eliminate the ability of people to have choices when seeking out health care for themselves and their families.
This initiative will guarantee the right of Arizonans to make their own health care choices. Lobbyists and special interests will see their power to control and dictate your health care limited.
WHERE?
Medical Choice for Arizona
3655 West Anthem Way
Suite A-109 - PMB 212
Anthem, AZ 85086
P: 623.271.9526
www.medicalchoiceforaz.com
The Insurance Term of the Week:
Federal Insurance Administration
The "Federal Insurance Administration", FIA, is the federal agency in charge of administering the "National Flood Insurance" program. It does not regulate the insurance industry.
Larry's Tip of the Week:
Most homeowners policies don't cover against flooding. In fact about 25% of all claims come from low risk areas.
Federal disaster assistance generally offers loans to help cover flood damage, not compensation for your losses. Even then, those loans are only available if the President formally declares a disaster. Federal declarations occur in less than half of all flood events.
A flood insurance policy will reimburse you for covered losses, even if the flood is not a federally-declared disaster.
Residential insurance for flooding is usually written with coverage amounts up to $250,000 on your structure and up to $100,000 in personal property coverage. Your premium will depend upon your location, whether you are in a flood zone and the coverage limits you select. The average cost for a preferred policy in a low risk area is around $125.00 per year.
Check with your insurance adviser for rates and appropriate coverage limits.
Coming Soon: Audio Archives of Your Insurance Matters
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FEBRUARY 17, 2008
Topics
• Health & Wellness
• Homeowners Safety Issues
• Tips to save money on your Homeowners Insurance
• Is your home covered to value?
• Free home inventory download
• The new "Teen Driving Safety Act"
• Tips to help save money on your auto insurance
Guests
Hyperbaric Oxygen Therapy of Arizona, LLC
www.hbotofaz.org
Watch the Amazing
Curt Allen YouTube Video
Ron Williams
Executive Director, Arizona Insurance Information Association
www.azinsurance.org
Hyperbaric Oxygen Therapy of Arizona, LLC
WHO?
Dr. Albert G. Reach, a retired Drugless Physician, (N.D. D.C.) established our facility in 1998. Dr. Howard Reuben M.D. is our staff physician. Ms. Lori Klauber is our general manager. Then we have Hyperbaric Techs. Everyone is well trained in this specialty. Everyone is here because we love seeing the results that this gentle, safe therapy brings to folks and changes families and lives
WHAT?
We are a non-hospital free-standing center for out-patient care. We have a state of the art, six place, comfortable chamber, where patients can watch TV, read, visit or just lay down. The patient breathes 100% medical grade oxygen through a mask or hood (both of which exhaust outside), while under greater than sea level atmospheric pressure.
WHERE?
We are in beautiful north Phoenix, Arizona, near motels/hotels/suites and not far from RONALD MCDONALD HOUSE.
WHEN?
We are open year round. Appointments are necessary and can be set up by the patient, the caregiver or health care practitioner.
HOW?
Consultations by phone and in person are at no charge. Evaluations are at no charge. Recommendations at that time will be discussed. We use world class clinically proven protocols that are fitted to the needs of the patient.
FEES:
We maintain our original fee of $150.00 per hour, with discounts for advanced payments and commitments when large blocks of treatments are necessary.
QUESTIONS?
Call Lori, we are here to help! 602-996-3348
Ron Williams
WHO?
Executive Director, Arizona Insurance Information Association
WHAT?
The Arizona Insurance Information Association is a non-profit organization which independently researches issues and shares them with its member companies, the media, the public, legislative analysts, regulators, and anyone else who's interested in highway safety and property & casualty insurance-affordability issues.
The AIIA was chartered in 1986 as an independent, non-profit organization whose mission is to “help educate the public and media on insurance-related matters.”
The AIIA’s primary objective is to help all Arizonans achieve a better understanding of insurance and related safety issues. To attain this goal, the AIIA develops, gathers and disseminates information to assist consumers, journalists, regulators and public policymakers.
By providing accurate and timely research to Arizonans, the AIIA helps promote the availability and affordability of insurance in a financially sound, competitive marketplace.
The AIIA is funded by a number of insurance companies and organizations that share its belief that the best decisions are based on the best information.
WHERE?
Arizona Insurance Information Association
11801 N. Tatum Blvd. # 142
Phoenix, Arizona 85028
Phone: 602-996-7009
Fax: 602-996-7016
www.azinsurance.org
The Insurance Term of the Week:
Grace Period
The Grace Period in an insurance policy is where the insurance policy is still effective even though the premium is past due. The number of days in a grace period is typically 30 days during which insurance coverage is still in force even though premiums have not yet been paid.
Be careful! Contrary to popular belief, there is often no grace period for insurance premiums on certain coverages. Know the rules about your coverages with your insurance company. In many situations if payment has not been received and cashed by your insurer, you are likely not covered.
Larry's Tip of the Week:
If you should ever have to file a loss on your homeowners insurance policy for a fire or a theft the experience can be overwhelming. Trying to remember all of your personal property that was lost and each item's value can be extremely taxing at such an emotional moment.
One of the best ways to recall all your personal property and it's value is to have an up to date home inventory of your personal possessions. Your inventory should include everything from home electronics to linens, dishes and all your other household items.
Having a home inventory helps you make the claims process faster and easier. It lists all your personal possessions and their estimated value. It also can help you to insure your personal property to proper value because you'll have an accumulated value of your property.
From our web site, www.yourinsurancematters.net, go to our links page and click on the Arizona Insurance Information Association. From there, click on the Insurance Information Institutes free, Home Inventory Software Program.
The software is easy to use and it makes the task of creating an inventory simple. It allows you to update and add new possessions with just the click of the mouse.
Coming Soon: Audio Archives of Your Insurance Matters
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FEBRUARY 24, 2008
Topics
Homeowners and Automobile
Coverage 101
Are you properly covered for
all your electronic components?
Discussion of a health care initiative for the Arizona Ballot "Arizonans For Responsible Health Care"
Guests
Chris Lee
All in 1 Insurance
www.allin1insurance.com
Pete Cerchiara Jr.
"Arizonans For Responsible Health Care"
www.afrhc.com
Chris Lee
WHO?
All in 1 Insurance - Auto, Home, Health, Life
WHAT?
Our mission is to save you time, money, and provide you with excellent service. While we don't have cave men, strange lizard things, guys in trenchcoats, or secret agent cartoons to assure your insurance bliss, we do have real live, local, honest people that are happy to assist you. We offer a more dynamic approach for helping you build the insurance policy that is right for you.
WHERE?
All in 1 Insurance
6362 W. Bell Rd.
Glendale, AZ. 85308
623-878-5109
Auto, home, business, motorcycle, RV, Business Contractor Bonds
www.allin1insurance.com
Pete Cerchiara Jr.
WHO?
Pete Cerchiara has over 25 years of experience in employee benefits and health plans management with Fortune 200 firms in the New York Metropolitan area and Arizona such as, Dun and Bradstreet, CPC International, Becton Dickinson, Mercedes Benz of North America, Salt River Project, and Maricopa County. In addition to his corporate and government sector health plan management experience, he also operated a benefits management outsource business in the mid 90’s in Arizona. In 2000, he helped start the first employer health care coalition in Arizona, Southwest Health Alliance, where he served as board chair and president, and helped employers understand value purchasing and install health care quality improvements tools in their employee health plans. Mr. Cerchiara holds a BA with honors in Sociology from New York University and State University of New York, at Purchase, NY, and an insurance producer’s license from New York Life.
WHAT?
Arizonans for Responsible Health Care is an independent, non-profit group of private Arizona citizens formed with the specific goal of effecting major reform in health care to improve quality, access and affordability for all Arizona residents.
Arizonans for Responsible Health Care’s (AFRHC) core mission is:
• To provide health care driven by ‘best practice’ standards of care and focused on the continuous improvement of healthcare outcomes,
• To assure accessibility to this high quality health care for all legal Arizona Residents,
• To reduce the ever escalating cost of care for all segments of the community and achieve administrative cost efficiency in the access and delivery of care, and
• To share the total cost of care along with the savings from efficiency and quality improvement gains equitably across the entire community
The Insurance Term of the Week:
Full Glass Coverage
This coverage, when added to your auto policy, provides full repair or replacement of all glass used in the windshield, windows and doors, and all glass, plastic or other materials used in lights of a motor vehicle without any deductible. Full glass coverage waives the deductible in your policy for these benefits.
Larry's Tip of the Week:
If you are in an auto accident, once you can determine that no one is seriously injured, you should first notify the police. Then write down the names, addresses, telephone numbers and license numbers of persons involved and of witnesses. Also, write down the license plate number and the state of each vehicle involved in the accident.
Do not admit fault and do not discuss the accident with anyone except your insurance company, agent or the police. Notify your insurance company or agent promptly. Cooperate and answer all questions fully.
Make sure you take good notes whenever you talk with anyone about the accident. This includes your insurance company, their representatives, the police and lawyers. Write down the date, times, names and subjects you talked about and include all decisions or promises made.
Save your receipts for such items as car rental or a hotel room, if the accident happens out of town, and save copies of all documents you send and receive.
Coming Soon: Audio Archives of Your Insurance Matters
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