Full Coverage Insurance? Think Again.

Car insurance ads are pretty creative. Who knows how many millions insurance companies spend assuring customers during prime time viewing that there’s no need to fear a catastrophic event. The reality, however, is much less entertaining. Consumers are regularly getting taken for a ride by insurance companies. Every state requires drivers carry a minimum amount of car insurance. Arizona's minimum liability coverage is $15,000 per person and $30,000 per collision. This means if six people are hurt in a collision, they have to split the money -- up to $30,000 between everyone who is hurt
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Medicare: Medigap vs. Medicare Advantage

If you have Original Medicare, the traditional health insurance program run by the federal government, it pays for most of your health care. However, it doesn’t pay for everything. The out-of-pocket costs can get expensive for people who need a lot of health care. There are two ways you may be able to lower your costs. One way is to keep Original Medicare and buy supplemental insurance to help pay your out-of-pocket costs. Medigap plans are supplemental insurance you can buy. Medigaps work only with Original Medicare, not with Medicare Advantage Plans. Private insurance companies sell
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Summer Safety Tips from the American Academy of Pediatrics (AAP).

Summer Safety Tips: Staying Safe Outdoors Fireworks Safety​​ Fireworks can result in severe burns, blindness, scars, and even death. Fireworks that are often thought to be safe, such as sparklers, can reach temperatures above 1000 degrees Fahrenheit, and can burn users and bystanders. Families should attend community fireworks displays run by professionals rather than using fireworks at home. The AAP recommends prohibiting public sale of all fireworks, including those by mail or the Internet.​ Bug Safety Don't use scented soaps, perfumes or hair sprays on your child.
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Arizona Car Insurance

Liability Coverage.  Every Arizona driver must have mandatory minimum liability limits for car insurance.  It's the law.  But you have a choice on how much protection to purchase. Lots of people believe they have purchased "full coverage" but it may be wise to investigate before you need to know exactly what "full coverage" you have. All drivers in Arizona are required to have policy limits of at least $15,000 / $30,000. $15,000/$30,000 means that your policy will pay on your behalf up to $15,000 if the collision  you cause injures one person. If the collision you cause injures two or
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