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IN SEARCH OF INSURANCE SAVINGS, CONSUMERS CAN GET UNWITTINGLY WEDGED INTO NARROW-NETWORK PLANS
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IN SEARCH OF INSURANCE SAVINGS, CONSUMERS CAN GET UNWITTINGLY WEDGED INTO NARROW-NETWORK PLANS


Despite federal rules requiring plans to keep up-to-date directories, consumers may lack access to clear information about which health plans have 'narrow networks' of providers or which hospitals and doctors are in or out of an insurer's network.

As a breast cancer survivor, Donna Catanuchi said she knows she can't go without health insurance. But her monthly premium of $855 was too high to afford."It was my biggest expense and killing me," said Catanuchi, 58, of Mullica Hill, N.J.A "navigator" who helps people find coverage through the Affordable Care Act found a solution. But it required Catanuchi, who works part time cleaning offices, to switch to a less comprehensive plan, change doctors, drive farther to her appointments and pay $110 a visit out-of-pocket — or about three times what she was paying for her follow-up cancer care.

She now pays $40 a month for coverage, after she qualified for a substantial government subsidy.Catanuchi's switch to a more affordable but restrictive plan reflects a broad trend in insurance plan design over the past few years. The cheaper plans offer far narrower networks of doctors and hospitals and less coverage of out-of-network care.

But many consumers are overwhelmed or unaware of the trade-offs they entail, insurance commissioners and policy experts say.With enrollment for ACA health plans beginning Nov. 1, they worry that consumers too often lack access to clear information about which health plans have "narrow networks" of medical providers or which hospitals and doctors are in or out of an insurer's network, despite federal rules requiring plans to keep up-to-date directories.

"It's very frustrating for consumers," said Betsy Imholz, who represents the advocacy group Consumers Union at the National Association of Insurance Commissioners. "Health plan provider directories are often inaccurate, and doctors are dropping in and out all the time."These more restrictive plans expose people to larger out-of-pocket costs, less access to out-of-network specialists and hospitals, and "surprise" medical bills from unforeseen out-of-network care.

More than 14 million people buy health insurance on the individual market — largely through the ACA exchanges, and they will be shopping anew this coming month.TREND APPEARS TO BE SLOWINGFor 2018, 73 percent of plans offered through the exchanges were either health maintenance organizations (HMOs) or exclusive provider organizations (EPOs), up from 54 percent in 2015.

Both have more restrictive networks and offer less out-of-network coverage compared with preferred provider organizations (PPOs), which represented 21 percent of health plans offered through the ACA exchanges in 2018, according to Avalere, a health research firm in Washington, D.C.PPOs typically provide easier access to out-of-network specialists and facilities, and partial — sometimes even generous — payment for such services.

Measured another way, the number of ACA plans offering any out-of-network coverage declined to 29 percent in 2018 from 58 percent in 2015, according to a recent analysis by the Robert Wood Johnson Foundation.For example, in California, HMO and EPO enrollment through Covered California, the state's exchange, grew from 46 percent in 2016 to 70 percent in 2018, officials there said. Over the same period, PPO enrollment declined from 54 percent to 30 percent.

In contrast, PPOs have long been and remain the dominant type of health plan offered by employers nationwide.

Forty-nine percent of the 152 million people and their dependents who were covered through work in 2018 were enrolled in a PPO-type plan. Only 16 percent were in HMOs, according to the Kaiser Family Foundation's annual survey of employment-based health insurance.

The good news for people buying health insurance on their own is that the trend toward narrow networks appears to be slowing."When premiums shot up over the past few years, insurers shifted to more restrictive plans with smaller provider networks to try and lower costs and premiums," said Chris Sloan, a director at Avalere.

 "With premium increases slowing, at least for now, that could stabilize."Some research supports this prediction. Daniel Polsky, a health economist at the University of Pennsylvania, found that the number of ACA plans nationwide with narrow physician networks declined from 25 percent in 2016 to 21 percent in 2017.Polsky is completing an analysis of 2018 plans and expects the percent of narrow network plans to remain "relatively constant" for this year and into 2019.

"Fewer insurers are exiting the marketplace, and there's less churn in the plans being offered," said Polsky. "That's good news for consumers."Insurers may still be contracting with fewer hospitals, however, to constrain costs in that expensive arena of care, according to a report by the consulting firm McKinsey & Co. It found that 53 percent of plans had narrow hospital networks in 2017, up from 48 percent in 2014.

"Narrow networks are a trade-off," said Paul Ginsburg, a health care economist at the Brookings Institution. "They can be successful when done well. At a time when we need to find ways to control rising health care costs, narrow networks are one legitimate strategy.

"Ginsburg also notes that there's no evidence to date that the quality of care is any less in narrow versus broader networks, or that people are being denied access to needed care.Mike Kreidler, Washington state's insurance commissioner, said ACA insurers in that state "are figuring out they can't get away with provider networks that are inadequate to meet people's needs.

""People have voted with their feet, moving to more affordable choices like HMOs but they won't tolerate draconian restrictions," Kreidler said.The state is stepping in, too.

In December 2017, Kreidler fined one insurer — Coordinated Care — $1.5 million for failing to maintain an adequate network of doctors. The state suspended $1 million of the fine if the insurer had no further violations. In March 2018, the plan was docked another $100,000 for similar gaps, especially a paucity of specialists in immunology, dermatology and rheumatology. The $900,000 in potential fines continues to hang over the company's head.

Centene Corp, which owns Coordinated Care, has pledged to improve its network.Pennsylvania Insurance Commissioner Jessica Altman said she expects residents buying insurance in the individual marketplace for 2019 to have a wider choice of providers in their networks."We think and hope insurers are gradually building more stable networks of providers," said Altman.

NEW STATE LAWSBad publicity and recent state laws are pushing insurers to modify their practices and shore up their networks.About 20 states now have laws restricting surprise bills or balance billing, or which mandate mediation over disputed medical bills, especially those stemming from emergency care.Even more have rules on maintaining accurate, up-to-date provider directories.

The problem is the laws vary widely in the degree to which they "truly protect consumers," said Claire McAndrew, a health policy analyst at Families USA, a consumer advocacy group in Washington, D.C. "It's a patchwork system with some strong consumer protections and a lot of weaker ones.

""Some states don't have the resources to enforce rules in this area," said Justin Giovannelli, a researcher at the Center on Health Insurance Reforms at Georgetown University. "That takes us backward in assuring consumers get coverage that meets their needs."

Kaiser Health News is a national health policy news service that is part of the nonpartisan Henry J. Kaiser Family Foundation.
Average Car Insurance cost In Virginia
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Average Car Insurance cost In Virginia

VA car insurance for any of your insurance needs


Nowadays, virtually every car-owner is using cheap car insurance to make sure that any poor occurring in their car could not cause substantial economic ramifications. And this is needed additionally as anything could happen in your vehicle. Someone might try to take your car, or it can be swiped occasionally. It likewise could come to be a target of roadway crash, fire or in some cases criminal damage. Secure free price quotes for Virginia car insurance cost.

Currently, individuals are making use of 1 or 2 of these cheap car insurance strategies and auto-insurance companies are creating numerous brand-new helpful functions with these strategies. Now, you could obtain coverage for individual results harmed in a car crash such as garments and travel luggage, as much as a defined quantity. Often, you additionally could obtain average car insurance cost in Virginia when your car is harmed or swiped.


By adhering to specific steps, you could encounter various insurance service providers and get in a plan that satisfies your demand. It must be recognized that carefully selecting a program for your car is vital or it could cause raising expenses to your car insurance. There are particular methods which you could discover an excellent insurance plan; nonetheless, there are additionally some downsides entailed.

When it involves Virginia minimum auto insurance coverage, they are extremely sensible. Just like any kind of insurance, there will undoubtedly be numerous individual variables that will positively affect whether you are most likely to be qualified for a great deal of cost savings. Points, like having an excellent driving document and driving in a risk-free automobile, are 2 points that could aid you to conserve some money from your insurance company. An extremely unusual feature connected with everyday car insurance is that it is convenient to the consumers.

Companies are additionally looking after your stereo devices in your car as the devices harmed in a collision might be hidden to a defined quantity. Often, the insurance deductible for crash coverage is forged when the mishap includes two autos guaranteed by the very same auto-insurance business. And these concealed advantages are appealing numerous severe chauffeurs to go with the average cost of car insurance per month in Virginia.

Every car proprietor requires car insurance to shield him from expenses that can be sustained throughout any unfavorable occasions such as mishaps, fire or sorts of all-natural catastrophes. In some area car insurance has been made necessary as the federal government discovers it essential for the advantage of individuals. It assists you to manage the costs by covering costs sustained under specific circumstances. This is the reason many people select auto insurance nowadays. Nevertheless, some individuals discover it discouraging to look for qualified protection and could not construct out which plan will undoubtedly fit them the very best.


The best element of obtaining an average car insurance rates by age and state strategy is that the coverage is extremely versatile. With that said stated, there are several factors that individuals could not wish to obtain a plan such as this too. If you are the kind of individual that is most likely to be driving each day and is not most likely to change up your insurance supplier, after that you most likely will intend to stick to a much more detailed coverage strategy. If you are an individual that does not obtain your loan's worth from your existing insurance because you do not drive commonly, after that it could be beneficial to get it for the days that you drive merely.

If you do unknown exactly what sort of car insurance you are most likely to require or wish to obtain, after that it would certainly be wise to choose to obtain day-to-day insurance for your car. Getting a common coverage strategy enables you to select whether the insurance firm has a great solution. The majority of companies will undoubtedly allow you to update from your universal plan to a longer-term strategy if you require much more coverage. You ought to see to it that you do some research study on companies that supply this sort of short-term plan on the net to identify which one has the very best coverage for their rate. Numerous insurance firms provide personalized plans, however not all them will undoubtedly enable you to pay to be covered for only days or short-term durations (e.g., weeks).

Why is car insurance a requirement, and just what made it so vital in our lives? Traveling belongs of our life which s why we require protection. You passing by car, you need insurance, which can take you far from all dangers about the unexpected burglary or any sort of damages. Insurance covers numerous points, to ensure that it includes the element, that you are seeking. There are different aspects to be born in mind while choosing car insurance. Insurance is an open market, and you will undoubtedly discover a list of companies when you check car insurance. There are the different type of insurance such as for damages, clinical, burglary, disasters and more. You have to select the one which collections you the most effective.


The 2nd sort of cheap car insurance is the 3rd party fire & burglary or TPF&T which covers you if other individual cases versus you for injury or damages to his/her car or its motorist. If your vehicle is harmed by fire after that additionally it assists. Whereas, the 3rd kind is extensive which covers unintended damages created to your car and damages or injury you build to a few other lorries or its motorist in a crash. It is smart to have a look at the list of car insurance companies in Virginia for obtaining ideal rate deals for your car.

Having car insurance for your car is not a choice because the majority of states mandate that you bring a minimum quantity of protection for your automobile. Simply puts, this is a needed cost, so it is necessary that you discover one of the most cost-effective car insurance feasible so you could conserve loan.

No insurer could please all its clients. There are some companies, which can provide a bargain to among its consumers or several of its consumers however except all them. Under any scenario, you have to select the one which collections you the most effective. It relies on the solutions provided by the business. I.e., the reason there are way too many competitors in the insurance industry.


Because of these elements, individuals are using one amongst the three kinds of cheap car insurance or often they are going with one car insurance prepare for one car and various other prepare for the 2nd car. I hope that you recognize the different kinds however if you aren't sure after that let me short concerning them initially. Very first sort of car insurance is the 3rd party or TPO which covers your responsibility to 3rd parties, i.e., cases made by 3rd parties, versus you. Locate car insurance calculator Virginia for most exceptional cost deals.

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Car Insurance Virginia
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Car Insurance Virginia

VA Car Insurance provider providing the best policies


Car insurance is an added expense over and above the considerable cost of owning and maintaining a car, particularly when you consider all the other types of insurance that are necessary in today's world, so it is only natural to want to get VA Car Insurance without compromising on coverage. Luckily, cheap car insurance is well within your reach, provided you know how to get it.
The Internet is the best place to start when shopping for cheap car insurance. Car Insurance VA are now geared to provide you with a quote online but you will still need to buy around and compare quotes, and keying in your details separately for each insurance company you want a quote from can be a hassle.


The answer is to use an insurance company that allows you to get multiple quotes online. You enter your details online, and the insurance company will draw up individual quotes for some insurance providers (sometimes as many as eight) and send them to you all in one go. How cool is that? You will even save on your phone bill because you won't need to use the phone to get your quotes.

Car insu, rance is a must when you have a car. Purchasing car insurance is buying a policy, which is based on the factors like the type of car you have and the kind of protection you opt for. Car insurance policies are a package with different coverage for your vehicle.

There are some other things you can do to reduce your car insurance besides getting cheap car insurance quotes online. You can increase your excess which will decrease your premiums on a monthly basis but substantially increase the amount you will have to pay out of your pocket when you claim.

Car Insurance Virginia is an added expense over and above the considerable cost of owning and maintaining a car, particularly when you consider all the other types of insurance that are necessary in today's world, so it is only natural to want to get cheap car insurance without compromising on coverage. Luckily, cheap car insurance is well within your reach, provided you know how to get it.


Ensure that your car is parked in a secured area like a garage or lockable carport at night, and consider fitting additional security measures such as a gear-lock, as this can help you get a cheaper package. Speaking of bags, it is often less expensive to have a combined coverage package, where you insure your car, home and possessions with one insurance company than several separate premiums with different companies.

Understanding well about auto insurance before taking a policy of car insurance will give you the confidence that the insurance company you choose is the best and will take care of your needs in case of necessity. There are many factors to be considered before you want your auto insurance. Some of the elements are the type of car you have your driving records and the amount of premium you can pay.

The answer is to use an insurance company that allows you to get multiple quotes online. You enter your details online, and the insurance company will draw up individual quotes for some insurance providers (sometimes as many as 8) and send them to you all in one go. How cool is that? You will even save on your phone bill because you won't need to use the phone to get your quotes.

Accidents happen when you least expect them so you need to be sure you can afford to pay such a high excess if you go this route. All new cars now have to be insured before they leave the showroom floor these days, but you can limit the amount of insurance you will have to pay by purchasing a cheap or moderately priced car. To insurance companies, more affordable vehicles mean more inexpensive repairs which means they will have to fork out less. The result is a lower premium for the consumer who buys a cheaper car.


The Internet is the best place to start when shopping for cheap car insurance. VA car insurance companies are now geared to provide you with a quote online, but you will still need to buy around and compare quotes, and keying in your details separately for each insurance company you want a quote from can be a hassle.

The reasons why one looks for options while purchasing car insurance is to find the best deal available on the market, quick and timely response on an event of the accident, customer service, rapid processing and so on. Car insurance is readily available on the market and Internet the fastest growing technology has made it possible. You name any insurance company in the world you get information online. Most of the well-established companies provide online services as well which includes price quoting for vehicles over the net. If you want to get information in detail, one can easily fix an appointment with an insurance consultant.

Avoid driving a high-risk vehicle or expensive car if you can. High-risk cars are the makes and models of cars that insurance companies consider to be vulnerable to theft and hijacking, and your premium will be raised accordingly. Also, expensive vehicles tend to be costly to repair, so you can expect your Virginia Car Insurance premium to be higher than if you had a cheaper car.

Most people who own a car would indeed have insured it under car insurance and may or may not even realize that they are paying normal premium amounts. It is necessary that you understand what an auto insurance policy is, the different companies and their premium rates to choose the best coverage.


As you can see, there are some ways to get cheaper car insurance, but less expensive is not always better because it can mean you aren't adequately covered. You need to be clear on what your insurance status is and what adequate coverage costs, and then decide how far over and above a reasonable insurance premium you want to go with extras.

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Detroit mayor sues Michigan over high no-fault auto insurance rates
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Detroit mayor sues Michigan over high no-fault auto insurance rates



Detroit Mayor Mike Duggan is turning to the courts to lower Michigan's highest-in-the-nation auto insurance rates after failing to get the state Legislature last year to back an overhaul of the no-fault insurance system.

Duggan, joined by eight motorists across the state who are also plaintiffs, filed a lawsuit Thursday in U.S. District Court in Detroit that seeks to have Michigan's no-fault law declared unconstitutional.

The lawsuit, against Michigan's insurance director, asks the court to declare the 1973 no-fault law unconstitutional for failing to produce car insurance rates that are "fair and equitable."

It then wants the court to give the state six months to amend the law so that rates will fall. And if the state can't fix no-fault in that time, Duggan's lawsuit says the court should declare no-fault "null and void" and revert Michigan into a tort-based insurance system, similar to Ohio, Indiana and 36 other states where auto insurance is much cheaper.

Under a tort system, the Democratic mayor said he thinks auto insurance rates in Detroit would be cut in half.

Duggan's lawsuit reads as an indictment against the no-fault system for leading to runaway medical costs, unchecked greed and fraud and a surge in recent years of auto accident-related litigation.

Under Michigan's unique no-fault system, all motorists must buy coverage for potentially unlimited medical benefits. Benefit payouts are capped in the other 11 no-fault states, and motorists in tort states get minimal health care through car insurance.

The costs to Michigan consumers for no-fault's medical benefits go beyond the $192 annual per-vehicle fee charged by the Michigan Catastrophic Claims Association to reimburse insurance companies for accident victims whose medical bills exceeded $550,000.

A spokeswoman for the Michigan Department of Insurance and Financial Services, the defendant in the lawsuit, declined comment because the department has yet to see the lawsuit.

Failed bill


For Duggan, the lawsuit could be considered a Plan B for lowering car insurance rates for Detroiters after the proposed no-fault overhaul bill that he championed was voted down in November by a 63-45 vote in the state House of Representatives.

"I thought it was so obvious that the trial lawyers and the hospitals were ripping us off, that I would have no trouble convincing legislators to have a conscience and fix it," Duggan said Thursday at a news conference. “I no longer have faith in Lansing to do the right thing.”

That bill called for numerous controversial changes to no-fault, including restraints on medical provider pay and giving all Michigan motorists a first-ever choice in the amount of health insurance they are required to buy as part of their auto insurance.

These health insurance benefits in no-fault policies, known as "personal injury protection," now represent the biggest portion of auto insurance premiums in Detroit. The no-fault system allows lawyers who represent people in accidents to get 33 percent of their client's total medical bills as a retainer fee.

"My friends over at DMC and Henry Ford (hospital systems) are getting paid triple their normal rates. The lawyers take a third, they still get double," Duggan told reporters Thursday. “So the hospitals make out, the lawyers make out and people in Michigan are paying the highest rates in America.”

Read more:

Duggan sues State of Michigan to change no-fault insurance


Critics of last fall's Duggan-backed insurance overhaul bill said it could have led to the end of the no-fault system and its valuable safety net for catastrophically injured people, who might otherwise end up in Medicaid-paid nursing homes instead of receiving the quality in-home care now available.

Under the bill, those who exhausted their no-fault coverage options would have had to fall back on regular health insurance.

Landmark case


The lawsuit filed Thursday hinges on a 1978 Michigan Supreme Court decision in a landmark case called Shavers v. Kelley that upheld the concept of no-fault insurance, but found the law "unconstitutionally deficient" for lacking mechanisms to ensure that insurance — a product all Michigan motorists are required to buy — is available at "fair and equitable rates."

The state Supreme Court in that case gave the Legislature and governor 18 months to correct no-fault's problems. The Legislature went on to pass reforms in 1979. Three years later, the Supreme Court kept no-fault in place because there was no further challenge to the law — not specifically because of the 1979 reforms.

Duggan's lawsuit says the car insurance rates problem has only grown worse since then, and is therefore unconstitutional.

A report by The Zebra, an insurance comparison website, found that Michigan had the nation’s most expensive auto insurance rates at $2,610 per year. The analysis was done late last year and based on a 30-year-old single male with a good driving history driving a 2013 Honda Accord EX.

The city of Detroit had the highest rates of any city in the insurance comparison: $5,414 per year.

Last year, the Detroit Police Department issued 23,087 citations to motorists for driving without insurance. The department has estimated that 60 percent of Detroit drivers go without insurance, largely because of the high cost.

CPAN disagrees


The Coalition Protecting Auto No-Fault, a group of medical providers, patient advocates and trial lawyers known as CPAN, issued a statement that called Duggan's lawsuit a political stunt that wrongly blames no-fault instead of insurers for the high premiums.

"CPAN is deeply concerned about the lawsuit that aims to make sweeping and potentially devastating changes to Michigan’s auto no-fault law, a move that will allow insurance companies to sell worse plans with no guaranteed reduction in rates," coalition President John Cornack said.

Attorney George Sinas, a no-fault expert who teaches auto insurance at Michigan State University College of Law and is general counsel for CPAN, said a major flaw in Duggan's lawsuit is its disregard of the role insurance companies have in setting rates, using factors such as credit scores, professions and whether or not someone has a college degree.

“The mayor’s lawsuit doesn’t in any way attack the real problem here, which is a rate-making structure that allows rules to be utilized by the insurance industry that are inherently unfair and discriminatory," Sinas said. "The mayor doesn’t say anything about that, and by not saying anything, he implicitly blesses the practices of the insurers.”

Sinas also said that he suggested to a top Detroit official several years ago that the city file a lawsuit about unaffordable insurance rates that was based on the Supreme Court's 1978 Shavers decision, but focused instead on the questionable ways that insurance companies calculate motorists' premiums.

“This lawsuit could have asked for the insurance bureau to conduct a hearing and determine whether all of the rate-making practices being used by insurance companies today are fair and equitable," Sinas said. “I suggested that, but was essentially laughed at."

Duggan's lawsuit contends that no-fault became unconstitutionally unaffordable in Michigan for several reasons, including the unlimited medical benefits, overpriced medical services and "no effective protections against those auto accident attorneys who encourage over-treatment and who pursue large (no-fault) recoveries for minor injuries."

Speaking with reporters, Duggan said that his policy preference is for no-fault insurance to completely go away.

"Ohio and Indiana haven't dropped off into the ocean because they have a tort system," Duggan said. "In all the other states, once your car insurance runs out, you’re covered by your normal health insurance — that might be Blue Cross, it might be Health Alliance Plan, it might be Obamacare, it might be Medicare, it might be Medicaid.

"The only place in America that says no matter what other health care you already have, you have to pay double when you buy your car insurance, is Michigan, and that’s what has to stop," the mayor said.
Duggan sues State of Michigan to change no-fault insurance
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Duggan sues State of Michigan to change no-fault insurance


 
DETROIT (WJBK) - The Mayor of Detroit, Mike Duggan, has filed a lawsuit against the State of Michigan in efforts to change our no-fault insurance law.

The lawsuit argues the mandatory no-fault auto insurance system violates the constitutional rights of Michiganders because the insurance costs are so high. According to the suit, our annual auto insurance premium of $3,059 is double the national average cost: $1,512.

More so, the lawsuit argues that the extremely high cost significantly affects the Detroit population, where those drivers pay an average of $6,197 a year for coverage.

The mayor has long been a proponent of insurance reform in Detroit, where many go uninsured, and even announced his own proposal last year to combat the high insurance rates. The proposal was defeated.

"The No-Fault Act has failed Michigan residents at every turn. This lawsuit seeks a declaration that the law is unconstitutional," the suit states. Duggan is asking the State be given six months to reform the No-Fault insurance, or else have the No-Fault Act be deemed null and void and the tort system be reinstated. 

Right now, there two types of insurance: the pure tort system and the no-fault insurance.

Proponents of the no-fault system point to the benefits, which include: All medical care for a lifetime; wage loss up to three years; replacement services; at-home care; and medical mileage. But all that, of course, comes with a price.

"With a pure tort state, people's auto insurance rates drops by more than half, overnight. No-fault is great, but, it's expensive and people don't really understand the benefit that it offers until normally it's too late and they've been injured in a car accident," Steve Gursten with Michigan Auto Law told FOX 2 earlier this year, when lawmakers also discussed reforming the system.
Martin G. 'Marty' Scherrer, 75, insurance agent for State Farm
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Martin G. 'Marty' Scherrer, 75, insurance agent for State Farm

Martin G. Scherrer, of Amherst, a retired insurance agent, died Thursday in Buffalo General Medical Center after a lengthy illness. He was 75.

Born in Buffalo, he was a graduate of St. Mary’s High School in Lancaster, where he played varsity football, basketball and baseball, and the University at Buffalo. He served in the Army Reserve.

Mr. Scherrer worked at Ford Motor Co., then became an insurance agent for State Farm. He retired in July from an office he maintained with his son, Marc, on Sheridan Drive in the Town of Tonawanda.

Known to all as Marty, he was an avid golfer and a longtime member of Park Country Club, where he served on the board of directors. A devoted Buffalo Bills fan, he wintered in Siesta Key, Fla., for the past 10 years.

In 1965, he married his childhood sweetheart, Nancy M. Wlos, active in the Junior League of Buffalo and as a fundraiser for Roswell Park Comprehensive Cancer Center. She died in 1996. He was remarried to the former Joyce I. Tripp in 1998.

Survivors also include two other sons, Jeffrey and Todd; two stepsons, Troy Dalpiaz and Nate Dalpiaz; a brother, George; and 11 grandchildren.

Visitation will be from 4 to 7 p.m. Monday, in Beach-Tuyn Funeral Home, 5541 Main St., Williamsville. A memorial service will be private.
 Tips On Using Online Car Insurance Quotes
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Tips On Using Online Car Insurance Quotes

LOS ANGELES, Aug. 19, 2018 /PRNewswire-iReach/ -- Discount---auto---insurance.com has released a new blog post that explains how drivers can use car insurance quotes online.



Online auto insurance quotes are not just simple numbers displayed on a fancy search results page. They are cost approximations for auto insurance premiums. And they can be really accurate if the user knows how to use them. Drivers who want to get multiple quotes and compare prices should visit http://www.discount---auto---insurance.com/

The first thing to do is to know the maximum coverage limits and available budget. Before getting any quotes, it is important to determine what is considered affordable or not. Calculate the income and how much can be spent to keep the policy active. Make sure that the coverage plan meets the minimum requirements. Check the Local Department of Insurance's website to find out more about the auto insurance legislation. 

Determine what coverage are the best. Each client is unique and each case must be treated individually. Clients who are not really aware of what policies to buy should consult an expert. The agent can tell more about what policies are recommended for the type of car owned, income and what deductibles should be selected.

Use the info above to fill in the questionnaire. No matter what website is chosen, it is important to set the limits and answer correctly to every question. When using different websites, make sure to add the same info and look for the same product. Otherwise, comparing different quotes will not be possible. The price difference will be determined by the difference between products.

Check for extra benefits. Look for discounts, newcomers' bonuses, loyalty bonuses and other little extras that will make an offer more attractive. Before signing a contract, ask about other benefits and discounts than the ones advertised.

"Online car insurance quotes will help you get access to the best offers on the market. If you want to know if you still pay for a competitive offer, visit our website", said Russell Rabichev, Marketing Director of Internet Marketing Company.

Discount---auto---insurance.com is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

For more information, please visit http://www.discount---auto---insurance.com/

Media Contact:Russell Rabichev, Internet Marketing Company, 8183593898, russellr@gmail.com

News distributed by PR Newswire iReach: https://ireach.prnewswire.com
Is My Car Insured? How To Check Your Car Insurance
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Is My Car Insured? How To Check Your Car Insurance

Is My Car Insured? How To Check Your Car Insurance - Ever wake up in a cold sweat wondering whether your car has valid insurance? Wonder no longer!

 
As a driver, it’s your legal responsibility to ensure your car has valid insurance at all time. Driving without insurance is an offence that can land you in hot water - known in the biz as an IN10.

For your peace of mind and the safety of fellow drivers, it’s worth checking if you’re actually insured to drive your car.

How can I check if my car is insured?


The quickest way to check if your car’s insured is to run its number plate through the Motor Insurer’s Database (MID). The service holds insurance information of all vehicles insured in the UK.

This free search will tell you whether the car is insured and will confirm the make and model. However, if you want to find out the insurer’s name or any other policy details, you’ll have to pay £4.

You can also check your bank or credit card statements for payments to an insurance provider. Then you can try to contact them for more information.

You can also look through all your emails as you may have received confirmation from the insurer. Don't forget to look through your junk and spam folders!


What if my car is uninsured?


If you get caught driving uninsured on any public road, you could be fined £300 and have six penalty points. And if your case is taken to court, you could be disqualified from driving, and face an unlimited fine.

This offence is called an IN10, and as a motoring conviction it can hamper your chances of getting cheaper car insurance in the future.

If your car is just parked in your garage gathering dust, you still have to pay for insurance. The Continuous Insurance Enforcement legislation states that all drivers are required by law to have their car insured at all times.

The only way around this is to legally declare your car off the road with the DVLA. You do this with a Statutory Off-Road Notification (SORN).

If you’re uninsured and haven’t made a SORN, you could still face a penalty - even if your car isn’t being used.

Saving money on a new car insurance policy


We monitor car insurance prices so you can see when prices go up and down. If it turns out that you need to buy a new policy, you can do a few things to save money.

Here’s what the price depends on and what you can do about it:

  • What car you drive – smaller cars tend to be cheaper to insure.
  • What security you have – better security lowers your premium.
  • Who owns and drives your car - quotes can be higher if the owner isn’t the same as the registered keeper.
  • How you use your car - cars that only have social, domestic and pleasure-related uses tend to have lower premiums.
  • The type of cover you choose – third-party-only cover is a good budget policy but you’ll have to pay to repair your car yourself.

To drive the cost down you can also increase your voluntary excess, as this could lower your premiums.