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Weekend Insurance Tip: See if Endowment Life Insurance Can Help You Pay for Your Child’s College

What? Life insurance that can pay for college. It may be a choice for some with endowment life insurance.

Some families turn to endowment life insurance policies when adding security to their college savings portfolios. An endowment life insurance policy works two ways: It will work similar to a traditional life insurance policy where it will pay the face value to your beneficiary in the event of your death and it will also pay the face value of
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Water Parks and Liability Insurance

It is so close... summer is right around the corner and that means multiple trips to the local water park. But, there may be one thing you have not thought about. Does your water park carry appropriate liability insurance?

Liability insurance covers the water park's legal responsibility if someone gets injured... insurance that helps them pay you if needed. Unfortunately, not all water parks are properly protected. According to the www.insurancejournal.com,
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If my insurance company calls my car a total loss how do I determine its value on blue book? Is it trade in, private party or suggested retail? And do they go by low blue book even if car was in good to excellent condition?

If your car is totaled then the insurance company working your claim will determine what they feel was the actual cash value (ACV) of your vehicle in the condition it was in before the accident. Your vehicle's ACV is normally determined by comparing your vehicle's condition to similar vehicles in your area. This may include input from local auto dealers, private parties or recent sales which the adjusters use in their valuation. Condition, equipment and mileage differences are also taken into consideration.

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Is this also the law in NY as it is in Arizona? This “full glass” coverage (may also be known as full safety equipment coverage) provides full repair or replacement of all glass used in the windshield, windows, and doors, and all glass, plastic or other

In New York glass is covered under the comprehensive portion of your auto insurance. Under comprehensive coverage in NYS, your insurer pays you, without regard to fault, for damage to your car from all causes, other than collision, such as theft (of the car itself or its parts), fire, flood, windstorm, glass breakage, vandalism, hitting or being hit by an animal, or by falling or flying objects.

If your car is stolen comprehensive coverage
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I recently received a lifetime (10 years) license suspension in Oregon. Are there any other states I can move to and obtain a driver license? Also, are there any other options for driving in this state.

According to the Oregon DMV if a court suspends or revokes your driving privileges the court may confiscate your driver license and return it to DMV.

If your driving privileges are suspended or revoked by DMV, a notice of suspension or revocation will be sent to the address on your driving record. If you have a license in your possession, it must be returned to a DMV office when the suspension or revocation begins. After the suspension or revocation
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I received a Prayer for Judgment in North Carolina in 2006 that supposedly would not effect my insurance premiums. However, in 2007, I moved to South Carolina and am now, today, finding out that upon my insurance renewal the violation is listed on my DMV

Yes, to the best of our knowledge in South Carolina there is no PJC available for moving violations or traffic tickets though we believe there is a type of prayer for judgment continued allowed for some criminal offenses in SC. While NC has the PJC and other states allow for supervision or probation (such as not receiving another moving violation for a year) to take care of minor moving violations SC generally does not allowР’В these types of ways to "get rid" of a ticket.

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