Charles O’Connor Sr. VP & Manager for Commercial Market Liability Claims Liberty Mutual Insurance

PRLog (Press Release) - Sep 01, 2011 - Registration for the Bad Faith Mini Conference is now open at www.litmgmt.org/bf2011.
The Bad Faith Mini-Conference is an important and advanced half-day conference for industry, claim and legal professionals in the critical areas of insurance bad faith and coverage.  Expert industry panelists and moderators will lead three interactive and dynamic roundtables focused on avoiding bad faith claims in the adjustment process, strategic decisions by carrier and counsel after suit is filed, and tactics and objectives for success at trial.  The conference also includes breakfast remarks by Charles O’Connor, Senior Vice President and Manager of Commercial Market Liability Claims for Liberty Mutual Group.

Charlie O’Connor is Senior Vice President & Manager, Commercial Market Liability Claims, for the Liberty Mutual Group. As such, Charlie has overall responsibility for defining and delivering Liberty’s Commercial Market claim services countrywide for auto and general liability customers.
Previously, Charlie was the Vice President  & Manager of Middle Market Liability Claims and Assistant Vice President and Manager, Liability Claims, in the Liberty Mutual Group’s Examining Unit in Dover, NH. There he was responsible for oversight, management and evaluation of Liberty Mutual’s highest exposure liability claims for commercial market business.
Prior to these positions, Mr. O’Connor served in various legal and claims management positions including trial counsel & attorney of record in an active Long Island, New York practice. Charlie was also instrumental in the development of litigation management efforts for the Liberty Mutual Group.
Mr. O’Connor obtained his J.D. from St. John’s University School of Law in New York. He is a member of the New York State Bar, the American Bar Association and the Defense Research Institute.

About the Council on Litigation Management
The Council is a nonpartisan alliance of thousands of insurance companies, corporations, general counsel, risk managers, claims adjusters and attorneys. Through education and collaboration, its goals are to create a common interest in the representation by firms of companies, and to promote and further the highest standards of litigation management in pursuit of client defense. To learn more about the Council, please visit www.litmgmt.org
Contact: Adam Potter, Executive Director
Council on Litigation Management
212-724-2345

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Replacement laptops for students within 24 hours of claim – Endsleigh Insurance

PRLog (Press Release) - Sep 01, 2011 - Endsleigh recently revealed that students take on average £2,652 worth of goods to university and they have published data on the different types of claims made by students.  One of the most common causes of laptop claims is drinks being split on them.  

Infographic detailing the common insurance claims and their causes http://www.endsleigh.co.uk/Student/Pages/student-insuran ...  

Standard home contents cover is inadequate insurance for modern students, says Endsleigh Insurance.  Prone to accidents in shared houses and with student areas often targeted by thieves, many students have the need to claim on their insurance at some time during their studies.

Endsleigh Insurance has been specialising in student insurance for the last 40 years and in that time there have been massive changes in the type of goods students need to be insured for.  Forty years ago, students had little other than their books and clothes, now modern student houses are packed with valuable gadgets and technology – from laptops, to iPods, televisions and microwaves, it’s no wonder that student homes are so well targeted by thieves.

Too many students are unaware of all the benefits of taking out specialist Student Insurance, leaving them at huge risk.

The Endsleigh student insurance guarantees –
•   With Endsleigh student insurance, you only pay for the cover you need.
•   You’re covered for walk in theft.
•   The student laptop insurance could see you sent a replacement laptop within 24 hours if lost or stolen. *
•   £3000 worth of contents cover
•   Replacement loan item whilst yours is repaired

Endsleigh also offers tailored insurance for students living in halls.
Vicki O’Connell, spokesperson for Endsleigh explained:  “We have seen radical changes in the student population over the last 40 years and the items they claim for have grown hugely in value.”

“Students don’t have the funds to go out and buy a replacement laptop is theirs is lost or stolen, but it causes chaos for them to be without one.  We think offering a replacement laptop for students is the only practical solution – just like offering replacement cars for drivers.”

*Next day represents 1 working day from us accepting your claim.
** We will provide you with a loan notebook if we can’t repair your laptop within 5 working days.

Find out more about Student Insurance from Endsleigh http://www.endsleigh.co.uk/Student/Pages/student-insuran ...

About Endsleigh Insureance
Founded in 1965, Endsleigh is now one of the UK's leading independent intermediaries. Endsleigh specialises in providing student insurance solutions as well as packages career people and therefore it is a lifelong relationship that we seek with our clients: the product range that starts with students and continues through to retirement and beyond.

You can therefore obtain the most appropriate insurance policy to suit your changing lifestyle - whatever you drive, or home insurance policy for whichever type of property you live in and wherever you travel.

Our aim is to exceed our clients' expectations for price, cover and service.

Website:  http://www.endsleigh.co.uk/
Facebook: http://www.facebook.com/endsleigh
Twitter:  http://twitter.com/#!/Endsleigh

Notes to editors
The survey was conducted online during June 2011 and surveyed 2608 representative university students.

Media Contact:
For further information, please contact Natalie Bateman, Amy Bourke, Esme Knight or
Chris Goode on 020 7618 9103/ endsleigh@luther.co.uk or Vicki O’Connell on vicki.o’connell@endsleigh.co.uk.

We in providing student insurance solutions as well as packages career people and therefore it is a lifelong relationship that we seek with our clients: the product range that starts with students and continues through to retirement and beyond.

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PayServ and Essenture Partnership Saves You Time, Money, and Resources

Now it's easier than ever to outsource and automate your payroll and get customizable supplemental insurance benefits for your employees in one place! PayServ Systems offers customizable payroll features and benefits that save you time & money.

PRLog (Press Release) - Sep 02, 2011 - Sarasota, FL, 06-22-2011 — Nationally recognized premier payroll service provider PayServ Systems, announces a strategic partnership with stellar supplemental benefit provider, Essenture.
PayServ’s CEO Todd Saylor explains.  “PayServ Systems follows a business model of best serving our customers through product customization.  We study their exact needs and customize a payroll/benefits package for a perfect fit.  They don’t pay for anything they don’t need, but they get everything they want.  That’s unique in payroll outsourcing.  The best part is, they can add any of our other services whenever the time is right and each product is fully integrated with our payroll system.  Our business model is 100% customer oriented and that’s what gives us the edge over the competition.”  
“At the same time, we’re always looking for ways that we can better serve our customers and we hit a home run with Essenture.  Essenture has the same philosophy we do.  Customize solutions for your customers so they get exactly what they want.  They don’t pay for anything they don’t need and they’re taking care of their number one asset, their employees, all the while saving time, money, and resources.”
“Now you can outsource and automate your payroll and get customizable supplemental insurance benefits for your employees all through PayServ Systems.  Our customers have learned to trust us, because we’re there for them, always.  They know when we partner with another company; they can trust that company as well.  Trust, customer service, and a dedication to ever improving our services to better serve our customers.  That’s the PayServ way.”
For more information on how PayServ Systems can help you customize and streamline your payroll processing while saving time, money, and resources, call us at 877.804.3286. or visit us online: www.PayServSystems.com
For additional information or a sample copy, please contact:
Rique Clapp
PayServ Systems
(260) 624-3200
service@payservsystems.com
Visit http://www.payservsystems.com then call and ask about our special discounted pricing.
# # # PayServ offers a customizable suite of payroll admin services. With our cutting-edge, fully integrated payroll system you decide which services best fit your needs. As you grow, we're right there with you offering additional "plug-and-play" systems
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InsurMark Makes Inc. Magazine’s Exclusive List of America’s Fastest Growing Companies

PRLog (Press Release) - Sep 02, 2011 - Inc. magazine has ranked InsurMark number 36 in its insurance category on its fifth annual Inc. 500/5000 list, an exclusive ranking of the nation’s fastest-growing private companies. InsurMark, founded in 1983, is a leading independent insurance marketing organization that assists independent financial services professionals in growing their business.  

“This is quite an achievement and says so much about our staff, our carrier partners, and our agent partners,” said InsurMark Founder and CEO, Steve Kerns. “InsurMark is a true family and this honor proves that. Everyone at InsurMark shares the same goal of being the best at what we do for the people we serve.”

InsurMark President, Carolyn Luby added, “It is moments like these that make us reflect not only on the fact that our company is recognized for something we are very proud of, but it makes us value all those who helped us reach this status, and that is why we got here.”

The 2011 Inc. 500/5000 is ranked according to percentage revenue growth when comparing 2007 to 2010.

The ranking is a true honor because the companies on this year’s list report having created 350,000 jobs in the past three years, and aggregate revenue among the honorees reached $366 billion, up 14 percent from last year. In a stagnant economic environment, median growth rate of 2011 Inc. 500|5000 companies remains an impressive 94 percent.

Based in Houston, TX, InsurMark has been delivering promises to insurance professionals since 1983 through creative marketing and sales support and providing the best products and training in the marketplace. Visit us at www.insurmark.net to learn more.

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AutoCricket.com’s Ticket to the Top Event Named A Success

PRLog (Press Release) - Sep 05, 2011 - West Palm Beach, FL (September 5th, 2011) – AutoCricket.com, a leader in generating automotive insurance quotes, hosted an exclusive event on the top of Rockefeller Center in New York City on Wednesday August 24, 2011, following the first day of the LeadsCon East conference.

The evening event was held 67 stories above the Manhattan skyline on the observation deck of the Rockefeller Center, where guests could enjoy the view, a live D.J., an open premium bar, passed hors d’oeuvres, and custom designed AutoCricket.com ice luges.

The invite only event was exclusive for AutoCricket.com’s clients and those who are specific to the lead generation industry. With over 150 unique companies in attendance, the event was deemed a success in bringing like-minded companies together for an evening of networking and partner appreciation.

As the evening came to an end, the AutoCricket.com team handed out bottles of water to attendees as they exited. Each bottle of water that was handed out to guests had instructions to a website, AutoCricketcares.com, where attendees could go online and enter their company information for a chance to have $1,000 donated in their name to mycharity:water, a non-profit organization bringing clean and safe water to those in need as a part of AutoCricket.com’s core values outreach program.

“Our guests fell in love with the location not only for the view but also in relevance to the distance from where they were staying. Another thing that left a huge impression was the overall cohesiveness of the event from the invitations down to the water bottle campaign at the end. It was apparent that a lot of detail and time went into planning this event and everyone who attended had a great time.” says AutoCricket.com Business Development Director Alex Oliveira.

With the success of the event AutoCricket.com looks forward to attending future tradeshows and hosting more events like ‘Ticket to the Top’. AutoCricket.com’s next conference attendance will be at this years Ad:tech convention in New York City from November 8-10, 2011. To schedule a meeting or to speak to AutoCricket.com call 561.845.2463.

To see photos of the ‘Ticket to the Top’ event visit www.facebook.com/autocricketfanpage.

For more information about AutoCricket.com please visit www.AutoCricket.com.

AutoCricket.com
AutoCricket.com is a multifaceted company with a consumer-friendly interface enabling consumers to meet all of their automotive needs.  The simple forms with drop down menus and self-generated answers have made searching for automotive insurance and new vehicle prices easier for consumers. AutoCricket.com strives to provide a simple solution for those who have automotive needs, whether it is to search, finance or insure.

For more information about AutoCricket.com, contact Ashely Frazier at 561.845.2391.

Auto Cricket is committed to providing our clients with the best revenue increasing products in the market while employing those who continually show themselves to be professional, ethical, and have a total commitment to the company.

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HSA for America Educates the Public on How to Use the New Expanded IRA – a Health Savings Account

PRLog (Press Release) - Aug 31, 2011 - Since Health Savings Accounts were introduced in 2004, HSA for America has explained how to trade in an expensive co-pay health plan, which offers nothing beyond medical coverage, for a low-cost Health Savings Account Plan or an HSA Plan with three times the value.  With this year’s expanded health care coverage and benefits that outlast those of IRAs, HSA Plans are experiencing new growth.  HSA for America will host a free “webinar” on Wednesday, August 31, Thursday, September 1 and Friday, September 2 to explain how to get these benefits.  Free registration for “The 3 Keys to Greater Health and Savings with an HSA” is available at http://health--savings--accounts.com/webinar.php.  

This year, HSA Plans offer more health care thanks to health care reform.  Not even HSA-qualified health insurance policies with the highest deductibles have any out-of-pocket expense for preventive services from in-network doctors.  This added coverage has increased the demand for such plans that typically have the best prices on premiums.

While HSA Plans carry the same tax-free-earnings benefit and the tax-deduction advantage to lower taxable income that IRAs do, HSA Plans don’t limit those benefits to people under 65.  HSA Plans allow seniors to keep their investment growing with tax-free earnings and to continue deducting HSA contributions to reduce taxes.

By removing the limits on preventive health care and the under-65 age restriction for IRA-like tax advantages, HSA Plans have become so attractive that consumers are doubling up with a second HSA.  The IRS allows individuals to have multiple Health Savings Accounts, so consumers may combine an investment-oriented HSA with a cash-based one to be used for current health care expenses.  

The original HSA provides tax-free distributions to pay for qualified health care expenses without any restriction on age.  The second HSA acts as a pure investment option.  Unlike an IRAs or a Roth, which require seniors to start withdrawing funds, an HSA lets them continue growing their retirement account with tax-free earnings.  

HSA Plans offer investment options that rival IRAs, such as bonds, no-load mutual funds or stocks.  Interest-earning savings accounts are another option.  Pre-65-year-olds are penalized for withdrawing funds to be spent on anything other than qualified health care, but after 65, there’s no penalty for withdrawing HSA funds regardless of how the money is spent.  Taxes are still due on withdrawals, though.

Consumers can learn how to maximize both savings and tax advantages by combining low-cost health insurance policies with Health Savings Accounts.  The HSA for America free online “webinar” offers the chance to learn from HSA experts about how to select an HSA-qualified health plan, how to establish a Health Savings Account, and how to compare fees, investment options and services.  Registration for “The 3 Keys to Greater Health and Savings with an HSA” is available at http://health--savings--accounts.com/webinar.php on a first-come, first-served basis.  The webinar will be held on Wednesday, August 31, Thursday, September 1, and Friday, September 2 with a choice of three available times.

About HSA for America:

As the nation's leading independent HSA expert, HSA for America has earned a reputation for providing superior educational resources for individuals, families and small businesses. With a comprehensive website at http://www.health--savings--accounts.com/, consumers can evaluate high-deductible health insurance plans that allow them to establish an HSA.

Guidelines for selecting an HSA administrator based on fees and investment options are readily available at http://www.health--savings--accounts.com/admins.htm. Topics to help consumers maximize their savings on premiums and taxes can be found at http://www.health--savings--accounts.com/how-to-guide.htm.

Consumers may access HSA for America’s instant quote engine and online applications or request individualized assistance. Confidential consultations regarding HSA Plans and Health Reimbursement Arrangements may be arranged by calling 1-866-749-2039 from 9 AM through 11 PM Eastern.

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Learn the Basics of Homeowners Insurance

PRLog (Press Release) - Aug 31, 2011 - As many of you know, several insurance advisors are leaving the homeowners insurance field and pursuing other types of insurance.  Now customers are wondering where to go in search of a new insurance agent.  InsureMyHouse.com provides these customers with the information they need, offering one agent per zip code.  When searching for homeowners insurance visitors select by state and zip code, which displays their local exclusive agent.  These agents typically have offices and live in your local community.    

Moreover, home insurance rates have doubled or tripled in many parts of the U.S., especially after natural disasters such as Hurricane Katrina and the most recent Hurricane Irene which ripped through Eastern seaboard and miles inland affecting more than 75 million people.  States in the Gulf Coast are still rebuilding and the cost of Irene is estimated to be in the billions.  In the proceeding months, as residents get their renewal notices with substantial increases, InsureMyHouse.com will serve as a valuable resource to provide people with local agents.

InsureMyHouse.com also contains a guide for homeowners to learn the basics of homeowners insurance.  The site provides articles including: enough coverage, fire safety, understanding credit, home insurance deductibles and more.

For additional information visit InsureMyHouse.com. If you are an insurance agent and can write homeowners insurance in your state, visit: http://www.insuremyhouse.com/faq.html to find out about getting listed on the site.

InsureMyHouse.com provides consumers with an online homeowners insurance agent directory sorted by state and zip code.

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Petsecure pet insurance brings awareness to pet healthcare with annual contest

PRLog (Press Release) - Aug 31, 2011 - September marks the sixth annual ‘Pet Health Insurance Month’ contest, presented by Petsecure pet insurance. Along with support from national partners, Petsecure pet health insurance is reminding Canadian pet parents about the importance of pet healthcare.

“Where once the idea of pet health insurance was unknown to many Canadians, we have seen a significant increase in policyholders over the last several years as pet parents are taking that extra step to ensure that their pets can receive the best of veterinary care without the financial stress.”, says Randy Valpy, President & CEO of Petsecure pet insurance.

Pet parents like Steve Rogers, Petsecure’s grand prize winner of last year’s ‘Pet Health Insurance Month’ contest, expresses,  “After losing our puppy from an accident and not being able to pay his vet bill, we made sure that when we acquired our new pup Chase, that we would never be unprepared again. We did our research and found Petsecure to be the most recognized and the leader in pet health insurance. Petsecure has given us the peace of mind that all pet owners should have and the security that all pet owners deserve.”

Petsecure pet insurance is launching their Pet Health Insurance Month contest at participating veterinary clinics across Canada and online at www.petsecure.com. With support from Dyson, PetLynx, Ducks Unlimited Canada, Dogs in Canada magazine, Modern Dog magazine, the Farley Foundation, the Canadian Kennel Club and London Drugs, one lucky winner will win the grand prize valued at over $4,000 with one year of coverage with Petsecure, a 42” Sony LCD TV, two Dyson Animal vacuums, an iPod nano and much more. Second and third prizes include Dyson Animal vacuums, plus 25 online instant win prizes!

For more information about Petsecure pet insurance and the ‘Pet Health Insurance Month’ contest, visit: www.petsecure.com

Petsecure pet insurance, the core brand of Western Financial Insurance Company, is a wholly owned subsidiary of Western Financial Group. Petsecure is Canada’s oldest and largest pet insurance provider with over 20 years of offering innovative pet insurance to Canadian pet parents. Petsecure has two unique pet insurance options to choose from; Petset which offers basic, value-priced coverage or Secure For Life™ which offers the most comprehensive coverage in Canada. Petsecure also offers dental coverage and special coverage including alternative treatments, behavioural therapy and medical devices. Petsecure is the only pet health insurance provider in Canada to offer their exclusive Secure For Life™ guarantee.

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One Fifth Of Long Term Care Insurance Claims Result Of Alzheimer's

PRLog (Press Release) - Aug 31, 2011 - Approximately 200,000 Americans receive benefit payments as a result of owning long term care insurance and a new study reveals the top causes of requests for claims.

"Insurers paid out $6.1 billion in benefit payments last year," states Jesse Slome, director of the American Association for Long Term Care Insurance.  "The majority of new claims are for care in the policyholders own home or in an assisted living community."  Nursing home care accounts for about one in four new individual claims.

A new report issued by the Society of Actuaries examined the causes or reasons for new claims.  "Nearly one in four claims was initially attributable to Alzheimer's disease," Slome who is one of the nation's leading long term care insurance experts explains.  

Roughly one-in-10 new claims was the result of one of four conditions: stroke (9%), arthritis (9%), injury (9%) or circulatory problems (9%).  Other causes for claims were cancer (8%), nervous system (6%) or respiratory issues (5%).

Claims against long term care insurance policies tend to be initiated at older ages typically after one reaches age 80.  "People in their 50s and 60s may require long term care as a result of an injury," Slome adds.  "You'd be surprised how many men fall off roofs or out of trees and take eight or nine months to recover."

While most typically don't need long term care until older ages, the Association recommends planning begin between the ages of 52 and 64.  "That is the best age to start planning because costs are lowest and you don't risk being declined because of existing health conditions," Slome explains.  "After Medicare kicks in people start seeing more doctors and their diagnosis can be the cause of an outright decline for this protection."

Financial planning experts advise those seeking to learn more about long-term care planning and get long-term care insurance cost contact a designated expert via the Association's Consumer Information Center at http://www.aaltci.org/long-term-care-insurance/free-quote/.

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elephant.co.uk reveals Scottish drivers like to make it personal

PRLog (Press Release) - Sep 02, 2011 - Motorists living in Scotland are the most likely to own a personalised numberplate new research by elephant.co.uk has revealed. And the plates are odds-on to be seen adorning the bumpers of luxury cars such as Bentleys, Ferraris and Aston Martins.

Car insurance (http://www.elephant.co.uk/ ) specialist elephant.co.uk looked at 3.5 million policies and found that of the top 10 postcodes where personalised plates are popular, eight are in Scotland, with the affluent settlement of Kilmacolm in Inverclyde at the top of the list. 14% of drivers there own a personalised plate compared to a national average of 4%.

In second place we move to the other end of the country to the millionaire’s playground of Sandbanks in Dorset (13%), but then in third place it’s back up north with the prosperous Glasgow commuter area of Newton Mearns (12%). Also in the top 10 are a number of postcodes in and around Aberdeen, with North Ferriby in Humberside joining Sandbanks as the only other location outside of Scotland.

Brian Martin, managing director of elephant.co.uk, said: "Considering the affluent areas around the country where we see the highest proportion of personalised number plates, it certainly looks like they’re used as a status symbol.

"However, it's hard to say why they’re so popular in Scotland specifically. Maybe Scottish motorists look to express their individuality more than those in the rest of the UK."

When it comes to what cars the personalised plates appear on, it's perhaps no surprise that owners of luxury models are the most likely to splash out on them. In fact, the whole top 10 list is made up of prestige motors. Most popular is the Bentley Continental, with 36% carrying a personalised plate. This is followed by the Ferrari 360 and Aston Martin DB7 (both on 35%).

Brian continued: "It wasn’t a surprise to see that prestige models dominate the list, however, it was surprising to see that such a large number of Bentley Continental, Ferrari 360 and Aston Martin DB7 owners splash out on personalised plates. Drivers of those cars definitely want to stand out from the crowd."

When it comes to occupations, elephant.co.uk found that Company Chairmen are head and shoulders above the rest with 16% owning one, followed by Bank Directors on 12% and Property Developers on 11%.

elephant.co.uk also looked at those areas, occupations and vehicles with the lowest percentage of personalised plates. The Hilborough and Northwold area near Thetford, Norfolk was revealed as the area of the UK with the lowest percentage of cars with personalised numberplates, croupiers were the occupation at the bottom of the list whilst the Suzuki Liana is the vehicle least likely to have one attached to it.

Notes to Editors:
elephant.co.uk looked at postcode areas, occupations and vehicles where there was a sample of at least 200 motorists.

About elephant.co.uk:
elephant.co.uk was launched in August 2000 and has over 485,000 customers. elephant.co.uk is a trading name of EUI Limited and is part of the Admiral Group plc.

elephant.co.uk specialises in providing online car insurance on the Internet. elephant.co.uk targets 17-35 year-olds living in cities, who traditionally pay higher premiums for car insurance elephant.co.uk is proud to support Tusk throughout 2011.

elephant.co.uk writes its motor insurance business to a consortium of insurers, these being: Admiral Insurance Company Ltd, Admiral Insurance (Gibraltar) Limited and Great Lakes Reinsurance (UK) plc.

PR Contact:
James Carnduff
Elephant.co.uk
Capital Tower
Greyfriars Road
Cardiff
CF10 3AZ
029 2043 4333
www.elephant.co.uk

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Insurance Expert Jane Pytel Introduces 1 Hour Case Evaluation Consultations

PRLog (Press Release) - Aug 31, 2011 - Jane Pytel, a veteran of the insurance industry, has just introduced a new service, 1 hour case evaluation Claim Help Consultations.

The service is directed to consumers who have experienced long, unexplained delays, or who are on the receiving end of apparent unfair or undervalued claim settlement offers.  According to Jane, "I want to assist those people that are confused, even intimidated by the insurance claim process.  They feel they have exhausted all means, and they still cannot achieve a fair settlement for their loss."

As a result of decades of experience as a police detective, an insurance adjuster, and an insurance investigator (SIU), Jane believes she is uniquely qualified to provide claim help for those who are experiencing difficulty with their valid insurance claim settlements.  "Unfortunately, most claim delays are a result of inept or unfair claim investigations.  People need to learn to identify what is going on behind the scenes so that they can become positively involved in their claim.  More often than not, I can teach them how to take an active role in their claim, and how to get that claim under control," says Jane.

Jane understands that there is a void for those who need serious claim help without having to pay for an attorney.  "I'm interested in helping people with claim problems in a reasonable and efficient manner.  But if I determine that they really do need legal representation, I'll be the first to recommend it."

According to Jane, this is an innovative new service that is sensitive to the needs of people who need legitimate claim solutions yet who are hesitant to invest substantial sums of time and money.  " I like to think that more often than not, people can resolve claim settlement problems once they learn how to be proactive in their claim.  That proactivity gives them a better chance to take control and to move towards a fair claim settlement."

For more information on Jane Pytel's Claim Help Consultations, visit her web site page at http://www.solutionsforyourinsuranceclaim.com/Claim-Help ...

A veteran of the insurance industry, former insurance investigator, author, and insurance expert, Jane Pytel offers valuable claims advice. From books to 1 hour consultations, here are the answers to your claim problems.

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After the Storm: Use Caution When Hiring Contractors

PRLog (Press Release) - Aug 31, 2011 - As New Jerseyans clean up from the rains and flooding as a result of Hurricane Irene, Allstate New Jersey Insurance Company suggests some tips to protect you and your property from unscrupulous contractors. A good, trustworthy contractor can be your key partner in the rebuilding process.

“It is not uncommon for unscrupulous contractors to take advantage of people who have experienced a catastrophic event,” said Bill Ballinger, president of Allstate New Jersey Insurance Company. “Recovery is about partnership. It takes the government, businesses, and private citizens. So what we need is partnership, not price gouging."

According to the New Jersey Division of Consumer Affairs, New Jersey’s price gouging law automatically activated when Gov. Christie declared a state of emergency. The law deems price increases excessive if they are more than 10 percent higher than the price at which a good or service was sold in the usual course of business prior to the state of emergency.

Ten tips to avoid getting scammed:

1.   Take your time in choosing true professionals to repair your home.

2.   Get estimates from several licensed, bonded contractors.

3.   Check their credentials with the New Jersey Division of Consumer Affairs or your local Better Business Bureau.

4.   Inspect contractors’ licenses and proof of liability insurance.

5.   Get a contract or estimate in writing.

6.   Avoid paying money up-front. Some reputable contractors will require partial, up-front payment, but these pre-work payments should not exceed the cost of materials or 20 percent of the total estimate.  

7.   Follow local building codes and inspection procedures.

8.   If anyone performs unauthorized work on your house or property and demands payment, consider contacting local authorities.

9.   Do not sign over an insurance settlement check to the contractor.

10.   Immediately report any suspicious behavior to local law enforcement or the New Jersey Division of Consumer Affairs.

Consumers who believe they have been cheated or scammed by a business, or suspect any other form of consumer abuse, can file a complaint with the New Jersey Division of Consumer Affairs by visiting www.nj.gov/oag/ca/ or by calling 1-800-242-5846.

About Allstate New Jersey
Known through the “You’re In Good Hands With Allstate®” slogan, Allstate New Jersey Insurance Company and its affiliates help individuals in more than a half  million New Jersey households protect what they have today and better prepare for tomorrow through approximately 270 agents and financial representatives. Customers can access Allstate New Jersey products and services through Allstate agencies, or at allstate.com and 1-800 Allstate®. The Allstate Financial Group provides life insurance, supplemental accident and health insurance, annuity, banking and retirement products designed for individual, institutional and worksite customers that are distributed through Allstate agencies, independent agencies, financial institutions and broker-dealers.

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Kevin Smith joins Mortician's Choice (experts in Funeral Insurance Funding) as Divisional President

Morticians Choice Logo - Color - JPGPRLog (Press Release) - Sep 01, 2011 - Mortician's Choice - Experts in Insurance Assignment Funding for the funeral profession proudly announces that Kevin Smith has joined as our Divisional President.  

Kevin brings his years of experience in this focused industry to our customer-centered insurance funding service, creating the opportunity to serve funeral professionals in an unparalleled way.  "It's all about serving the customers!  With our Non-Recourse funding program (which is huge in the industry), funeral directors and morticians don't have to be concerned about being paid for the services they provide.  When we verify the insurance policy and fund, there is no longer any collection issue as funding typically takes place within 24 hours," stated Smith in his introductory remarks on day one.  "Beyond being a Non-Recourse funder, our assignments are direct with the beneficiary eliminating the need to do re-assignments. We do the hard work, so you can serve your family."

Mortician's Choice has no limits as to the amount that can be funded.  Further many funeral professionals are finding that families love the ability to cash out the remainder of the policy...so instead of having to wait 45 days to get their money, by using Mortician's Choice they can get the remaining policy proceeds within 4 to 5 days.

"I have been blessed to be serving morticians and funeral professionals for a number of years in this industry, and I know in aligning with Mortician's Choice that the capacity to meet your needs and the ability to fund without limit will take our service to you to a new level!"

To begin using our services - and find out what it's like to work with the best in the industry - register your firm here

http://www.morticianschoice.com/FirmRegistration/FirmReg ...

And let's get started. "I'm excited to take on this new role and advance the service provided to funeral professional nationwide."

Kevin

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Jacquelyn Beatty at Attorney, Karr Tuttle Campbell has been selected to speak at the 2011 CLM

PRLog (Press Release) - Sep 01, 2011 - Registration for the Bad Faith Mini Conference is now open at www.litmgmt.org/bf2011.The Bad Faith Mini-Conference is an important and advanced half-day conference for industry, claim and legal professionals in the critical areas of insurance bad faith and coverage.  Expert industry panelists and moderators will lead three interactive and dynamic roundtables focused on avoiding bad faith claims in the adjustment process, strategic decisions by carrier and counsel after suit is filed, and tactics and objectives for success at trial.  The conference also includes breakfast remarks by Charles O’Connor, Senior Vice President and Manager of Commercial Market Liability Claims for Liberty Mutual Group.

Jacquelyn Beatty, a CLM Co-Chair for Washington State, is a shareholder with the Seattle, Washington firm Karr Tuttle Campbell, where she chairs the Insurance and Appellate Practice groups. She has litigated insurance coverage and bad faith cases on behalf of insurers, corporations, and government entities for over twenty years. Her experience also includes the defense of construction defect, toxic tort, professional malpractice and employment practice matters, and general commercial litigation. She graduated from the University of Washington School of Law with Honors in 1987 and holds undergraduate degrees from Brown University and Columbia University School of Nursing. She earned her CPCU and ARM designations in 2003 and 2004, and in 2010 and 2011 was voted one of Washington’s Top Fifty Women Attorneys. Ms. Beatty has successfully represented insurers in published and unpublished cases including Polygon Northwest Co. v. American National Fire Ins. Co. et al., 143 Wn.App. 753 (2008); Humleker v. Gallagher Bassett Services Inc. et al., 159 Wn. App. 667 (2011); Certain Underwriters at Lloyd’s London v. Valiant Ins. Co., 155 Wn.App. 469 (2010); and American Guarantee & Liability Ins. Co. v. Westchester Surplus Ins. Lines, 334 Fed. Appx. 839; 2009 U.S. App. LEXIS 12586 (Ninth Cir. June 11, 2009). She is Martindale Hubbell AV Pre-eminent rated.

About the Council on Litigation Management
The Council is a nonpartisan alliance of thousands of insurance companies, corporations, general counsel, risk managers, claims adjusters and attorneys. Through education and collaboration, its goals are to create a common interest in the representation by firms of companies, and to promote and further the highest standards of litigation management in pursuit of client defense. To learn more about the Council, please visit www.litmgmt.org
Contact: Adam Potter, Executive Director
Council on Litigation Management
212-724-2345

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Free Credit Report Online - How To Get An Equifax Free Credit Score Report

PRLog (Press Release) - Sep 03, 2011 - Credit profiling isn't just limited to lenders. Some other companies, for example insurance underwriters, telephone companies, landlords, business employers, govt sections and local government bodies employ the exact same methods. Credit profiling additionally has lots of overlap with information exploration, which uses similar methods. There are actually resemblances with the market research business as well as with data processing specifically. When seeking an Equifax alternative free credit score report never fail to bear in mind this has once more been recorded on your own financial profile.

Get your Free Credit Report - http://www.debtconsolidationcc.com/credit-counseling.html

Banks don't have to reveal their credit rating methodology, nor do they have to say the lowest score necessary for the consumer to be approved. Merely owing to this lack of information to the end user, it is impossible for an enquirer to discover beforehand if they should meet a company's credit scoring demands. Hence the merit of seeking an Equifax alternative free credit score report in the first instance, to see if this application would be approved or rejected.

The Online World gives us many more liberties and options than any other time, however, with this there can be countless threats. Though most of us enjoy effortless access to virtually any material we wish, there will be those people who are as enthusiastic to acquire things that do not belong to them. For this to happen they need to steal the identities of others. That is because their acts may appear plausible, at least for a while, but also because they do not want the guilt after the fraud is discovered. When a person's I.D. is simplified to a series of digits and functions it ends up being a commodity like another. Only an Equifax alternative free credit score report will offer any sort of defence or security.

Online crime along with its related menaces plays a progressively more perilous part in each of our lives. No one wants their identity compromised but this is the avowed goal of numerous Internet criminals, and many of these are growing very good at it. In order to be ahead of the criminals, folks are seeking for an Equifax alternative free credit score report hoping that the problem of Identity fraud will not happen to them. When you need a system which can provide protection from Identity theft along with credit reports then this kind of system is already available.

Get your Free Credit Report - http://ficofreecreditreport.info

Get your Free Credit Report, FICO Scores, and Free Identity Protection. Monitor your credit rating online.

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Jackie Shaw promoted to Agency Operations Manager at Tim Shaw Insurance Group

Jackie Shaw has been promoted to Agency Operations Manager at Tim Shaw Insurance Group, Inc. She handles agency operations, including strategic planning, workflow, human resources, budgets, facilities, and supports sales and marketing activities.

Jackie Shaw, Agency Operations ManagerPRLog (Press Release) - Sep 02, 2011 - Jackie Shaw has been promoted to Agency Operations Manager at Tim Shaw Insurance Group, Inc.  Mrs. Shaw is responsible for all day-to-day business operations of the agency, including strategic planning, oversight and management of policies and procedures, workflow, human resources, operational budgets, and facilities, as well as support of all sales and marketing activities. She holds a General Lines Property and Casualty insurance license since 1994 and has been a lifelong resident of Lee County.  

Tim Shaw Insurance Group, Inc. is a Florida licensed general agency serving Southwest Florida since 1974 with property, liability, auto, health, life, annuity, and IRA products for both individuals and businesses.

Over the years Tim Shaw Insurance Group has continued to evolve into a trusted coverage leader, with impeccable service and commitment to its clients—qualities that have helped the company grow into a well respected Florida insurance resource.

Tim Shaw is a 2011 Gulfshore Life Five-Star Home/Auto Insurance Professional and leading area authority on insurance. For more information, visit http://www.timshaw.com.

# # # DOLAN MARKETING SERVICES, INC.

Marketing, Advertising, Public Relations and Copywriting

Full service marketing company providing first-rate marketing, advertising, public relations, copywriting, branding, and website services to businesses.

Let us show you how to get more publicity for your business. Visit http://www.dolanmarketing.com/ for more information.

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***@dolanmarketing.com operations, agency, insurance, Property, auto, liability, Health, life, annuity, ira, Tim Shaw, manager, strategicDisclaimer:   Issuers of the press releases are solely responsible for the content of their press releases. PRLog can't be held liable for the content posted by others.   Report AbuseMore...

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Confused.com finds UK drivers are divided on government's new roadworks idea

PRLog (Press Release) - Aug 31, 2011 - Confused.com has polled 2000 drivers, asking their opinions on a new idea from the UK government which could help tackle the problem of roadworks and the resulting traffic jams. The proposal suggests that utility companies could pay a 'lane rental' fee to the council if they choose to dig up the road during busy times*.

UK motorists are divided on the proposal with almost half(49%) saying it's a good plan and that they can't wait to see it happen and the other half (48%) feeling that it's not a good idea because utility companies who choose to pay the bills will pass these costs onto the consumer. The remainder were undecided.

Gareth Kloet, Head of Car Insurance at Confused.com said: "If these proposals reduce traffic jams then car owners will have something to smile about. Financially it’s been a tough few years for drivers. Consumers are paying an average of £858 for annual comprehensive cover, having seen an increase of £22 in just three months and £170 over 12 months**. Car owners really deserve a break and roads that run freely will be welcomed by anyone regularly blighted by queues.

"The 'lane rental' fees could be a good incentive for companies to complete  jobs more quickly reducing the potentially dangerous and infuriating situations that roadworks can create."

Lisa Greenfield, Energy expert at Confused.com added: "With UK energy companies having recently hiked up their prices, the last thing that customers want is any sort of extra 'tax' which may end up being paid by the customer. If this proposal goes ahead then UK households will be hoping that utility companies choose to work outside of peak hours and not pay the charges because any further hikes in utility costs would be unpleasant.".

Regionally, Londoners are most in favour of the plans with more than 52% agreeing that they are a good idea.

Notes to Editors:
The poll of 2000 drivers in the UK was carried out by Onepoll on behalf ofConfused.com and all figures have been rounded up to the nearest 1%

*See: http://www.dft.gov.uk/news/press-releases/dft-press-20110822 for more details
** Source: Confused.com/Towers Watson Car Insurance Price Index Q2 2011

About Confused.com:
Confused.com was the UK's first car insurance price comparison (http://www.confused.com/ ) site. Confused.com is one of the biggest and most popular price comparison services. Launched in 2002, it generates over one million quotes per month. It has expanded its range of comparison products over the last couple of years to include home insurance, travel insurance, pet insurance, van insurance quotes (http://www.confused.com/van-insurance ), motorbike insurance quotes (http://www.confused.com/motorbike-insurance ), breakdown cover and energy, as well as financial services products including credit cards, loans, mortgages and life insurance.

Confused.com is not a supplier, insurance company or broker. It provides a free, objective and unbiased comparison service. By using cutting-edge technology, it has developed a series of intelligent web-based solutions that evaluate a number of risk factors to help customers with their decision-making, subsequently finding them great deals on a wide-range of insurance products, financial services, utilities and more. Confused.com's service is based on the most up-to-date information provided by UK suppliers and industry regulators.

Confused.com is owned by the Admiral Group plc. Admiral listed on the London Stock Exchange in September 2004. Confused.com is regulated by the FSA.

PR contact:
Helen Beckett
Confused.com press office
Friary House
Greyfriars Road
Cardiff
CF10 3AE
029 2043 4382
www.confused.com

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Free Annual Credit Report and Prime Rate - Download your Free Credit Report

PRLog (Press Release) - Sep 06, 2011 - Getting a loan at a prime rate in today's economy is impossible. However, if you wish to get an interest rate that is close to the prime rate, you should consider evaluating your free annual credit report to understand where you stand. A free annual credit report and a current prime interest rate are the key things you need to have knowledge about when figuring out what interest rate your loan is going to gather. Current prime interest rate is originally a term which is used to describe the rate of interest applicable for customers who are favoured by banks on the account of their high fiscal credibility.

You can get a free annual credit report from your bank. They will provide it to you at no extra cost and will bring you up to speed with the prime rate in the market as well. Once you have that information handy, you need to study your annual report. If you do not have the skills to analyze the report and understand what rate of interest you may get when taking a loan, it is advisable that you seek the advice of a loan provider or a financial consultant.

Get your Free Credit Report - http://ficofreecreditreport.info

With an annual credit report a consultant will be able to match the two and help you arrive at a rate of interest that your credit standing is worthy of. You may or may not be happy with the figure, but you will have to live with it. There are ways to work on your credit rating to ensure that you get the prime rate of interest, but that will involve some effort from your side and guidance through a financial consultant.

Do not wait until it is too late to get your annual credit report. Instead, ask for the report on a regular basis from your bank or many other agencies that can help you monitor your credit. Credit monitoring may come to you with a small fee, but it is worth getting it in the long run. This will allow you to be updated with your financial standing on a regular basis so that you can make adjustments and rectify errors to improve your credit rating.

When you have a good rating with the help of an annual report and prime rate knowledge, you can get the best interest rates that will work in your favor. Why pay extra money when you can easily get the prime rate by paying a little attention to your report on a regular basis

Get your Free Credit Report - http://www.creditcardbankaccount.com/free-credit-report.html

One stop resource website of credit, loan, insurance, mortage and bank account services to help you save money.

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benefitsCONNECT® Announces Their New billingCONNECT Product in Partnership with AmeriFlex

PRLog (Press Release) - Aug 31, 2011 - Elk Grove, CA – benefitsCONNECT® announced at their 3rd Annual Benefits Technology Users Summit the launch of billingCONNECT, a new service offering that reduces time spent on the labor-intensive tasks associated with reconciling carrier invoices each month. The billingCONNECT team will receive a client’s invoices, audit them against enrollment data in the benefitsCONNECT system, and then provide the client with employee-level reporting that details all amounts owed. If there are discrepancies or errors, billingCONNECT will work with the carriers to resolve those issues. Once the client has been provided with a monthly report of all amounts owed, billingCONNECT will ensure that the carriers are paid promptly.

The billingCONNECT team will serve as the single point of contact for all vendors and carriers, and ensure payments are made only for covered participants. They will also identify and resolve enrollment and premium discrepancies, thus reducing or eliminating the loss of premium by overpayment that can occur when managing multiple vendors.

"Partnering with benefitsCONNECT was a natural fit for AmeriFlex," said Scott Mardis, SVP Business Development for AmeriFlex. "Combining our award-winning flex and COBRA products with a recognized leader in benefits administration technology will enable us to meet a specific market need through one consolidated offering: billingCONNECT. Given the complexities present within the health care industry today, it is more important than ever that brokers and agents be able to deliver real value to their clients. We believe that billingCONNECT is the perfect vehicle for them to differentiate themselves from their competition while expanding and retaining blocks of business."

“By offering the billingCONNECT service, we continue to grow the list of ancillary services that brokers can use to provide value to their employers.  billingCONNECT will help streamline the process of billing reconciliation and let HR administrators focus their time on other tasks,” says Ja’Nene Kane, President/COO of benefitsCONNECT®. “The AmeriFlex team has always been a strong partner, and we are proud to offer their flex administration services.  The great thing about the offering is that it provides a lot of flexibility to the broker/employer as to how they would like to meet their needs.”

About AmeriFlex
Established in 1998, AmeriFlex is an independent third-party administrator providing technology-based, consumer-driven benefits and compliance solutions. AmeriFlex is headquartered in Frisco, Texas, and serves more than 18,000 clients that represent more than 3.5 million participants nationwide. For the past six consecutive years (2005-2010), AmeriFlex has been named “Best TPA” in Benefits Selling magazine’s annual “Readers’ Choice” awards. For more information, visit www.flex125.com or e-mail info@flex125.com.

About Transcend Technologies Group, Inc.
Founded in 2001, Transcend Technologies Group, Inc. (dba benefitsCONNECT®) is a privately held company that specializes in Internet-based software applications for the health insurance and benefits industry. Transcend licenses benefitsCONNECT® for benefits administration and online enrollment and benefitsCONNECT® agencyMANAGER for agency management functionality, and has established clients in 43 states who entrust their book of business to benefitsCONNECT® products. For additional information, visit www.benefitsCONNECT.net, or contact Sales at 916-421-4000 or sales@benefitsCONNECT.net.

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IHT launch International Private Medical Insurance Magazine IPMIM

PRLog (Press Release) - Sep 06, 2011 - INTERNATIONAL PRIVATE MEDICAL INSURANCE ONLINE NEWS MAGAZINE

http://ipmimagazine.com

International Healthcare Technology, the leading online healthcare news group, announced today the official launch of International Private Medical Insurance Magazine IPMIM, an online resource for Expat Health Insurance, Corporate Healthcare, Private Medical and Health Insurance Professionals worldwide.

EXPATRIATE HEALTH INSURANCE

Serving business, expatriate, leisure, travel and reinsurance markets worldwide, IPMI Magazine provides a regular travel and health insurance news feed, backed up with health and travel insurance industry articles of interest.

IPMI Magazine delivers further contents and online supplements including Expat Life; a dedicated section that focus' on how to manage the life cycle of an expatriate.

PRIVATE MEDICAL INSURANCE NEWS

IPMI Online Insurance Magazine provides a wealth of breaking international and national private medical insurance news. Keep your finger on the pulse of the private medical insurance industry with regular updates of private medical insurance news for expatriates, leisure travelers, medical tourists, employers, employees, corporate groups and individuals.

REINSURANCE NEWS

IPMI Online Insurance Magazine provides a wealth of breaking international and national reinsurance news. Keep your finger on the pulse of the reinsurance industry with regular updates of reinsurance business news and industry developments. As natural and man made disasters, and civil unrest increases, the demand on the reinsurance industry is massive. Counting the costs of war, floods, famines, acts of terror and a new breed of civil unrest, IPMI Magazine reports from the heart of the reinsurance industry, with important reinsurance news, updates, events and articles.

http://ipmimagazine.com

PRIVATE MEDICAL INSURANCE NEWS

IPMI Online Insurance Magazine provides a wealth of breaking international and national private medical insurance news. Keep your finger on the pulse of the private medical insurance industry with regular updates of private medical insurance news for expatriates, leisure travelers, medical tourists, employers, employees, corporate groups and individuals.

http://ipmimagazine.com

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