The first step in determining whether a car is totaled (or, in insurance terms, a total loss) is to calculate its actual cash value (ACV) at the time of the loss. The ACV is how much your vehicle is worth after factoring in depreciation. On average, vehicles depreciate more than 20 percent the first year and approximately 10 percent each additional year for the first five years according to Carfax data.How is total loss value calculated?At Erie Insurance, a claims adjuster assesses your vehicle’s condition. Then, they run the make, model and year of your vehicle through an industry-leading vendor database. The database...
Next-gen computing and vehicle electrification are driving greater demand for electricity. Nuclear may be a source to help meet it; find out how in our latest Off the Cuff video with Ashley Misquitta, CFA, Senior Portfolio Manager and Investment Strategist.
https://www.youtube.com/watch?v=ZE5NDNSaGas
What are some of the key benefits of nuclear power?
Nuclear power has gained a greater role in the global energy discussion because it’s one of the few solutions to increase electricity production without expanding fossil fuel consumption and carbon emissions. Unlike intermittent energy sources like solar and wind power, nuclear power is capable of operating twenty four-seven to meet baseload demand, more adequately matching the demand of...
Health insurance plans each have their own rules, benefits and drawbacks. These can be tricky enough to work out when you're buying health insurance for just yourself, but when you're looking for a plan to provide employee benefits, a...
China’s National Financial Regulatory Administration (NFRA), the financial industry regulatory agency under the State Council of the People’s Republic, is continuing to promote Hong Kong as a venue for insurers and reinsurers to sponsor catastrophe bonds.Speaking at a conference...
US primary insurer Allstate has reported that its pre-tax catastrophe losses for the third-quarter of 2024 reached $1.7 billion, with $630 million of that...
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Chad Duke, Vice President/Risk Advisor, and Pim Jager, Vice President/Benefits Consultant, were recently featured on the ESOP Podcast discussing captive insurance and...
Cardiovascular health and wellness is one of the main focuses in modern healthcare, and for good reason. Heart disease is still the leading cause of death both in the United States and globally. Unfortunately, many cardiovascular issues go undiagnosed...
Health insurance helps provide individuals and families access to care and can make a difference between illness and health. In the U.S., there are about
327 million people, most of whom have private health insurance. If you need to...
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Here are the ten most popular news articles, week ending October 20th 2024, covering catastrophe bonds, ILS, reinsurance capital and related risk transfer topics....
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On June 17, 2021, the U.S. Supreme Court rejected a lawsuit challenging the constitutionality of the Affordable Care Act’s (ACA) individual mandate...
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Chad Duke, Vice President/Risk Advisor, and Pim Jager, Vice President/Benefits Consultant, were recently featured on the ESOP Podcast discussing captive insurance and...
Picking the right health coverage makes a difference in your family's physical and financial wellness. Since
open enrollment only falls during a limited time,...
The Affordable Care Act has offered a practical way for many Americans to access health care for over a decade. However, new regulations and eligibility updates can make it challenging to understand what you qualify for, which is why...
When insuring your vehicles, the search for the best car insurance in Utah isn’t just about finding the lowest price. While affordability is important, other critical factors can make a world of difference in the quality of coverage and...
Traffic signals and violations have a bigger impact on your car insurance premium than you think. To maintain affordable insurance rates, apart from your credit score, age, location, vehicle usage and vehicle type, you will also need to...
You may have frequently heard the words “open enrollment” as the new insurance period approaches, but you are unsure of what the term means and you are confused about which
health insurance broker could help you get the coverage...
Virtual reality, or VR for short, may have some limited applications outside of video games and entertainment, but major US insurer Allstate Insurance Company believes there is potential in the technology for use in the insurance industry. Last week...
Life insurance can be a valuable part of your business plans.
We recognize and expect changes in the economy, but the uncertainty of those changes calls us to be vigilant in our business continuation...
If you are able, take photos to document circumstances of the accident.
Your first instinct after a car accident may be to call for help. Do you have a plan for what comes next?...
Your agent is best positioned to advise you when they have all the facts.
Your local independent insurance agent is prepared to create a personalized coverage plan tailored to meet your and your family’s...
Last Updated on March 17, 2021 by adminTemporarily Closed Holiday Letting Properties – Updated 17th March 2021We appreciate the significant impact that government measures to control the spread of the coronavirus is having on all businesses, not least self-catering...
How to handle common money fights before they ruin your relationshipby Nicole Dieker October 28, 2023 | Money
If you and your partner fight about money, you’re not alone. And if most of your money squabbles are about financial...
Last Updated on June 11, 2024 by adminFull length, written fire risk assessments, covering all aspects of fire safety, have become a legal requirement for properties offering sleeping accommodation to paying guests from the 1st October 2023. This means...
Last Updated on July 31, 2024 by adminDid you know that Boshers Insurance do more than provide high-quality insurance for Holiday Home owners? We also support The 2 Minute Foundation, a charity whose vision is to clean up the...
Last Updated on January 11, 2021 by adminNational Lockdown – Stay At HomeOn the 4th January 2021 the Government announced a third lockdown in England to control the rapid increase of coronavirus cases. The devolved administrations in Scotland, Wales...
Whether you’re planning an international vacation or taking the kids to see their grandparents, here’s how to book the best possible tripby Nicole Dieker October 30, 2023 | Money
The holidays are nearly upon us, which means it might...
Health insurance plans each have their own rules, benefits and drawbacks. These can be tricky enough to work out when you're buying health insurance for just yourself, but when you're looking for a plan to provide employee benefits, a...
China’s National Financial Regulatory Administration (NFRA), the financial industry regulatory agency under the State Council of the People’s Republic, is continuing to promote Hong Kong as a venue for insurers and reinsurers to sponsor catastrophe bonds.Speaking at a conference...
Workers Compensation Insurance – Essential For Business Owners And EmployeesWorkers Compensation Insurance is required for businesses with more than one employee. If you own a business that has a work environment that’s a bit insecure, make sure you have...
Bogle Agency Insurance, Lyndhurst NJ, has been named a “Best Practices Agency” for 2024. This marks the 22nd consecutive year that we have done so, and we join an elite group of independent insurance agencies nationwide. The “Best Practices...
A century from now, business historians will still be studying how Tesla recreated the automotive and transportation industry. The lessons they learn will be the same that can drive insurance technology decisions today.
For starters, Tesla conquered the twin issues...
If you’re a small business owner looking for commercial property insurance, here’s what you need to know at a glance:Protection: Safeguards your business’s physical assets, like buildings and equipment, against risks such as fire, theft, and natural disasters.Importance: Without...
Home » Accident & Health Insurance – Do You Need One Or Both?
It’s hard to know what you’re going to need in this life to mitigate the risk (like accident and health insurance) and know that no matter what...
What is Old National Bank?
Old National Bank, formally known as Old National Bancorp, is headquartered in Evansville, Indiana. Established in 1834 and initially...
Health insurance plans each have their own rules, benefits and drawbacks. These can be tricky enough to work out when you're buying health insurance for just yourself, but when you're looking for a plan to provide employee benefits, a...
China’s National Financial Regulatory Administration (NFRA), the financial industry regulatory agency under the State Council of the People’s Republic, is continuing to promote Hong Kong as a venue for insurers and reinsurers to sponsor catastrophe bonds.Speaking at a conference...
Your health coverage is important to you. If you reside in the state of California, you may be wondering if your
Medi-Cal coverage will continue. If your coverage is ending, the important thing to remember is that you do...
Cyber attack threat exposure is growing in strength. According to The World Economic Forum, there is growing inequality between those organisations that have robust cyber defences and those that don’t, particularly small and medium enterprises.
This study also found that...
Earlier this year, White Mountains committed up to $30 million in capital for a Bermuda-based collateralized reinsurance structure that provides sidecar-like support to its California homeowners managing general agent (MGA) Bamboo.Back in 2020, White Mountains Insurance Group entered into...
The emergence of an insurance-linked securities (ILS) market for cyber risk is seen as a critical component for the future expansion of that line of business, with the capital markets expected to be a key reinsurance and retrocession provider,...
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Pet insurance is an essential investment for pet owners, especially for senior pets. As our furry friends age,...
October is National Dental Hygiene Month. This month is dedicated to raising awareness about the importance of maintaining good oral health and the impact it has on overall wellbeing. The mouth is often referred to as the gateway to...
