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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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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Beware Dust Storms

Pull Aside • Stay Alive: Will you know what to do?     Avoid driving into or through a dust storm. If you encounter a dust storm, check traffic immediately around your vehicle (front, back and to the side) and begin slowing down. Do not wait until poor visibility makes it difficult to safely pull off the roadway — do it as soon as possible. Completely exit the highway if you can. Do not stop in a travel lane or in the emergency lane; look for a safe place to pull completely off the paved portion of the roadway. Stop the vehicle in a position ensuring it is a safe distance from the main
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Healthcare Update

You have new rights and protections in the Marketplace starting in 2014. 4 things to know: • You won’t be charged more for health insurance just because you’re a woman. • You can’t be denied coverage or charged more due to pre-existing conditions, like cancer or being pregnant. • You can choose from any primary care provider, OB-GYN, or pediatrician in your health plan’s network without a referral. • You’ll get free preventive care like mammograms, well-woman visits, contraception, and more. Open enrollment begins on October 1, 2013. Coverage starts as soon as Janua
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