Selasa, 28 November 2017

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Florida Reports More Than $9 Million Recovered for Insurance Consumers in Q3



insurance auto


Assistance provided to Floridians by from Florida’s insurance consumer helpline led to the recovery of nearly $9.3 million in the third quarter of 2017, according to a statement from Florida’s Chief Financial Officer Jimmy Patronis. Recoveries included insurance claim payments and premium refunds that consumers sought the Department of Financial Services’ help collecting.

The helpline assists Floridians with financial and insurance-related matters, including disaster preparation and insurance fraud, as well as questions and complaints regarding auto, home, health, life and small business insurance. Between July 1, 2017 and Sept. 30, 2017, the helpline’s insurance specialists answered 70,454 calls and opened nearly 4,500 assistance requests. Nearly $9.3 million was recovered on behalf of 1,307 consumers.

Since January, the helpline has answered more than 211,000 calls, opening nearly 14,000 assistance requested and helping return a total of $25.9 million back to Floridians.

“As many families continue to navigate the post-storm claims process, I encourage them to call us if they reach a roadblock of any kind. Our experts will advocate on their behalf, and quite possibly, secure a positive outcome to a problem that seemed otherwise unsolvable. We’re only one call away, and we’re always ready to help,” Patronis said.

Recent consumer recoveries include:

A Bay County consumer asked for DFS’s assistance with an automobile claim after his car was stolen in Jan. 2017. After providing his insurance company with the police report and supporting documentation to validate the theft, he stopped hearing from his insurance company. Following several unsuccessful attempts at reaching his insurance adjuster, who had previously acknowledged receiving the documentation, the consumer called the helpline. The insurance company said that staff turnover had derailed the processing of property damage claims, but quickly processed and paid out the consumer’s $6,100 claim.

A Brevard County consumer filed a homeowners’ claim for Hurricane Matthew damages in Oct. 2016, and, after all repairs had been completed, the consumer filed a second claim in Spring 2017 for the recoverable depreciation. The consumer’s second claim went unanswered for months, until she contacted the helpline for assistance. The insurance company acknowledged receipt of the second claim, but could provide no valid reason why it had not responded to the consumer or paid the claim. Soon after speaking with a DFS insurance expert, the insurance company apologized to the consumer and promptly paid the $1,372 claim.

A Brevard County consumer contacted the helpline to settle an aging but unresolved homeowners’ claim. The consumer’s insurance company offered $10,000 in June 2016 to settle the claim, but the consumer declined and hired a public adjuster to help her. The public adjuster she hired worked alongside the insurance company’s adjuster to submit a second settlement offer, which was rejected by the insurance company. After going to mediation and reaching a settlement amount in April 2017, the claim was still not paid by the company. Upon calling for assistance, helpline experts secured the release of the $61,000 payment to the consumer.

Floridians can contact the insurance consumer helpline toll-free by calling 1-877-MY-FL-CFO (1-877-693-5236).

Source: Florida Department of Financial Services
Senin, 27 November 2017

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Insurance Customers Slow to Adopt Mobile Claims Apps: J.D. Power


Insurance Customers Slow to Adopt Mobile Claims Apps J.D. Power


Despite a nationwide advertising blitz for mobile auto insurance apps and widespread use of digital channels to purchase insurance, U.S. auto insurance customers have been slow to adopt digital claims reporting, according to the research firm J.D. Power.

Authors of the J.D Power 2017 U.S. Auto Claims Satisfaction Study believe the finding is significant in light of dramatically rising claims frequency and high losses, which are forcing insurers to control costs through increased reliance on technology.

“U.S. auto insurers have invested heavily in technology that will help them gain efficiencies in claims handling, but there are still certain areas of the claims process where the human touch is proving difficult to replace,” said David Pieffer, Property & Casualty Insurance Practice Lead at J.D. Power. “As insurers continue down this path, it will be critical that communication with their customers is not negatively affected.”

Following are some findings of the study:


Few customers adopting digital first notice of loss (FNOL) offerings: Nearly one-fourth (22%) of auto insurance customers begin their interaction with an insurer online, but just 9% of customers opt to report a claim digitally via the web or a mobile app. Even among Gen Y or Millennials (born between 1982 and 2004) customers, who are most likely to report a claim digitally, only 12% are taking advantage of first notice of loss (FNOL) technology, a number that’s increased just 2 percentage points since 2016. Worse, overall satisfaction is 16 points lower (on a 1,000-point scale) among all customers who are using digital FNOL offerings than among those who report via phone.

Digital appraisal and status updates showing promise: While adoption rates and satisfaction with digital FNOL offerings have been stubbornly low, digital status updates and digital appraisal offerings, which allow customers to upload damage photos via a mobile app, are being used by roughly 16% of auto insurance claimants. Overall satisfaction is 33 points higher among customers who receive digital status updates than among those who do not. Customer satisfaction with digital appraisal apps is mixed based on the age of the customer, with satisfaction improving by 26 points among Gen Y and declining by 16 points among Pre-Boomers when using appraisal apps.

Claim servicing is top driver of satisfaction, but results vary widely by insurer: Claim servicing is the top driver of overall customer satisfaction, but it also has the largest range of performance when comparing the highest and lowest insurer scores. The top performer in the claims servicing factor has an overall customer satisfaction score that is 104 points higher than the lowest performer.

The 2017 U.S. Auto Claims Satisfaction Study is based on responses from 11,857 auto insurance customers who settled a claim within the past six months prior to taking the survey. The study excludes claimants whose vehicle incurred only glass/windshield damage or was stolen, or who only filed a roadside assistance claim. Survey data was collected from November 2016 through August 2017.

Source : insurancejournal.com

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Subaru Outback 2.0D SE Premium Lineartronic



SUBARU


DO people who drive a car with automatic gears have fewer crashes than those who like to master a gear-lever and clutch?

If they're behind the wheel of a Subaru Outback - the thinking vets' transport of choice - the answer appears to be 'yes'.

For choosing an otherwise identical Outback will cost you more to insure if it has a manual gearbox - and less (down from group 23 to group 19) if it comes with Subaru's CVT automatic transmission.

Both versions have near identical performance figures - the automatic a tiny bit slower to accelerate but beating the manual model on top speed - so the extra clobbering on insurance looks as though one of them is driven with more verve, by drivers who interfere with the scenery more often.

Choose either Outback and it comes with a package other manufacturers simply don't offer - collecting a loyal following of Subaru fans but making it a bit of a left field choice otherwise.

Principal stand outs are the Outback's flat four engine and permanent all-wheel drive, both Subaru selling points for decades.

The former puts the weight closer to the road, which ought to help cornering and the latter makes the car a sensible choice for owners who need to go places when the weather turns nasty. Vets, for instance.

Can't say it feels more glued to the road on corners than rivals, but a glance at the speedo showed the car was moving faster than it felt - always a good sign that the engineers have got the basics right.

More than 500 miles of varied use saw a 41.7mpg on the trip computer, a decent return for a diesel automatic with all-wheel drive. A thirstier and slightly faster petrol model is available but you can't see many buyers taking this route.

The all-wheel drive sends more power to the front wheels unless they start to slip, when it diverts energy rearwards. The push of a button engages X-Mode, which lets the car cleverly do its best on slippery surfaces without the driver needing any extra skills.

On road, unless there's ice about, you many never need X-Mode but slippery climbs on farm tracks and the like will be shrugged off if you're in an Outback (or in the outback, if you're in Australia).

There's still more safety to talk about in the newest Outback, with its EyeSight system using cameras either side of the rear view mirror to watch for hazards ahead, including pedestrians and cyclists and will brake for you if there's a likely collision in the offing.

It also makes traffic queues a bit less frustrating, stopping your car in stationary traffic and moving off smoothly with the touch of a button on the steering wheel.

Out on an empty road, the Outback feels better the faster you go, with bumps ironed out more convincingly than when you're creeping round town on a pockmarked surface.

Whatever the going under the tyres, the Outback is a good place to cover distance. Rear seat passengers said, without prompting, how comfy they found the seats - and there's ample legroom for two lanky chaps to sit in tandem.

The boot swallowed a surprising amount of garden rubbish before heading to the tip (which was closed, but that's another story). The boot lid powers itself up and down; part of a very thorough specification for the Outback.

Fast Facts

Subaru Outback 2.0D SE Premium Lineartronic

Price: £34,995

Mechanical: 148bhp, 1,998cc, 4cyl diesel engine driving four wheels via automatic gearbox

Max Speed: 124mph

0-62mph: 9.9 seconds

Combined MPG: 46.3

Insurance Group: 19

C02 emissions: 159g/km

Bik rating: 33%

Warranty: 3yrs/60,000 miles

Did you enjoy this article? Subscribe to get the latest car news from Eurekar

Source : eurekar.co.uk
Sabtu, 11 November 2017

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Forex Tutorial: What is Forex Trading?


forex

What Is Forex?

The foreign exchange market is the "place" where currencies are traded. Currencies are important to most people around the world, whether they realize it or not, because currencies need to be exchanged in order to conduct foreign trade and business. If you are living in the U.S. and want to buy cheese from France, either you or the company that you buy the cheese from has to pay the French for the cheese in euros (EUR). This means that the U.S. importer would have to exchange the equivalent value of U.S. dollars (USD) into euros. The same goes for traveling. A French tourist in Egypt can't pay in euros to see the pyramids because it's not the locally accepted currency. As such, the tourist has to exchange the euros for the local currency, in this case the Egyptian pound, at the current exchange rate. 

The need to exchange currencies is the primary reason why the forex market is the largest, most liquid financial market in the world. It dwarfs other markets in size, even the stock market, with an average traded value of around U.S. $2,000 billion per day. (The total volume changes all the time, but as of August 2012, the Bank for International Settlements (BIS) reported that the forex market traded in excess of U.S. $4.9 trillion per day.) 

One unique aspect of this international market is that there is no central marketplace for foreign exchange. Rather, currency trading is conducted electronically over-the-counter (OTC), which means that all transactions occur via computer networks between traders around the world, rather than on one centralized exchange. The market is open 24 hours a day, five and a half days a week, and currencies are traded worldwide in the major financial centers of London, New York, Tokyo, Zurich, Frankfurt, Hong Kong, Singapore, Paris and Sydney - across almost every time zone. This means that when the trading day in the U.S. ends, the forex market begins anew in Tokyo and Hong Kong. As such, the forex market can be extremely active any time of the day, with price quotes changing constantly. 

Spot Market and the Forwards and Futures Markets 

There are actually three ways that institutions, corporations and individuals trade forex: the spot market, the forwards market and the futures market. The forex trading in the spot market always has been the largest market because it is the "underlying" real asset that the forwards and futures markets are based on. In the past, the futures market was the most popular venue for traders because it was available to individual investors for a longer period of time. However, with the advent of electronic trading, the spot market has witnessed a huge surge in activity and now surpasses the futures market as the preferred trading market for individual investors and speculators. When people refer to the forex market, they usually are referring to the spot market. The forwards and futures markets tend to be more popular with companies that need to hedge their foreign exchange risks out to a specific date in the future. 

What is the spot market?

More specifically, the spot market is where currencies are bought and sold according to the current price. That price, determined by supply and demand, is a reflection of many things, including current interest rates, economic performance, sentiment towards ongoing political situations (both locally and internationally), as well as the perception of the future performance of one currency against another. When a deal is finalized, this is known as a "spot deal". It is a bilateral transaction by which one party delivers an agreed-upon currency amount to the counter party and receives a specified amount of another currency at the agreed-upon exchange rate value. After a position is closed, the settlement is in cash. Although the spot market is commonly known as one that deals with transactions in the present (rather than the future), these trades actually take two days for settlement. 

What are the forwards and futures markets?

Unlike the spot market, the forwards and futures markets do not trade actual currencies. Instead they deal in contracts that represent claims to a certain currency type, a specific price per unit and a future date for settlement. 

In the forwards market, contracts are bought and sold OTC between two parties, who determine the terms of the agreement between themselves. 

In the futures market, futures contracts are bought and sold based upon a standard size and settlement date on public commodities markets, such as the Chicago Mercantile Exchange. In the U.S., the National Futures Association regulates the futures market. Futures contracts have specific details, including the number of units being traded, delivery and settlement dates, and minimum price increments that cannot be customized. The exchange acts as a counterpart to the trader, providing clearance and settlement. 

Both types of contracts are binding and are typically settled for cash for the exchange in question upon expiry, although contracts can also be bought and sold before they expire. The forwards and futures markets can offer protection against risk when trading currencies. Usually, big international corporations use these markets in order to hedge against future exchange rate fluctuations, but speculators take part in these markets as well. (For a more in-depth introduction to futures, see Futures Fundamentals.) 

Note that you'll see the terms: FX, forex, foreign-exchange market and currency market. These terms are synonymous and all refer to the forex market.

Source : investopedia
Jumat, 10 November 2017

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The ACA and Where We Are Now




Over the last several years there have been unprecedented rate increases on nearly all Affordable Health Care Act policies (ACA). Losses have been accumulating over the last few years, and currently there is no way to stop the bleeding. However, this is the first year that real change has come to the health care market. The good news is viable options do exist and most people are not aware that they are encouraged to look outside the box. Adaptation is key in our nation's changing healthcare system.

In 2010 the Federal Government passed our first mandated health insurance plan for most citizens under the age of 65. These changes came about from both unregulated healthcare practices and a promise to help those who could not afford insurance, or did not qualify for a plan because of health issues. Funding for this venture was redirected from the social security administration and other facets of government with restrictions how health care providers (insurance companies) could redirect the profits. The goal of this plan was to eliminate bad practices and corruption in order to help the greater good. The mandate also eliminated the practice of underwriting (verifying the prospects health to render an approval), deeming it discriminatory. The belief was that if enough people signed up for the new mandated insurance it would offset the risk of no underwriting. The powers that be were wrong.

Many healthy citizens didn't welcome the higher premiums for a couple of reasons. Some saw this mandate as forced insurance that was against their constitutional rights. Others saw their premiums go up because of the mandate and were not willing to pay the extra cost for the greater good. Because most of these Americans decided to "self-insure" instead, or go without insurance, the system was financially doomed out the gate.

In order to cope with the losses, the participating insurers (virtually every health insurance giant in the US) starting restricting networks to the point of creating nationwide HMOs that provide little, if any, coverage outside of small networks. They also drastically raised deductibles in an attempt to help control the costs. When both of these strategies failed, as a last resort, they started increasing annual premiums to unfathomable levels, with some individuals seeing rate hikes of over 60%. Today, many ACA insurers are projected to increase their premiums by an average of over 25% for 2018, with no end in sight. In Texas, on the exchange (Healthcare.gov), the only original health insurance company left standing is Blue Cross Blue Shield. All of the others (Humana, Scott and White, Aetna, and United) have all left the state, as well as in many other states, to protect themselves from continuous losses.

Changes have already gone into effect that will permanently alter the healthcare platform. In January of 2017, the newly elected president issued an executive order to all facets of the Federal Government to not enforce any ACA mandates for any individual, business, or entity. With a republican house and senate, President Trump knew it was just a matter of time before the mandate was eliminated and wanted to give Americans open-ended options without the threat of a penalty. Whether or not the ACA continues remains to be seen. In my opinion is highly unlikely that Obama-care will be the front-runner moving forward.

Up until January of this year, secondary (term issued by the Government for those health insurance companies that would not comply with the mandate) health insurance options that refused to offer the mandated insurance had to tiptoe around the new law of the land. The Federal Government did not welcome competition and restricted certain coverages these companies offered. In order to move forward, many of these companies had to offer hybrid packages that did not resemble the mandated norm. Only a few of these companies stood on the sidelines at the start of the ACA, watching the majority of their existing book of business exit and go across the street. In fact, many of these secondary solutions ended up failing. The few that perservered haven't encountered the losses that the ACA giants saw first hand. They stood by the belief that it wasn't possible to eliminate underwriting and control costs simultaneously, and they were right. Today, these secondary health insurance companies are welcomed with open arms by many who do not receive a subsidy (premium credit issued by the Federal Government for those with lower income) and have absorbed the huge rate increases over the past few years. Outside of the ACA, they are the only plans with both affordable premiums and unrestricted networks. Furthermore, they haven't been exposed to any non traditional annual rate hikes, unlike ACA plans.

There is no way to tell what the future holds with the health care industry, just a promise of change. Our current healthcare arena has arguably spurred the most controversial subject in US history. The country is divided on the differing philosophies of either compassion for the poor and sick or the necessity to stop billion dollar losses that continue to mount. Regardless of the outcome, it is evident that every citizen holds an obligation to explore options freely for their individual or family needs. Thanks to the executive order, there are now options available without the threat of a financial penalty.

I help provide viable health insurance options that have not been exposed to the huge price increases that ACA policies have experienced. All of our plans allow you to use any doctor, surgeon, emergency room, or hospital you choose. We can control our costs through underwriting for those with moderate or good health. We also present sound solutions for those with health concerns as well. Please feel free to email me at CalB@SafeMoneyAustin.com for more information.

SOURCE : ENZINE ARTICEL

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Repricing on Health Insurance Claims




We have all heard the stories of the emergency room claim that cost $10,000 for a broken thumb, or the person who had to file bankruptcy from the huge bill while using a network outside of their HMO. These stories have been the fuel for arguments on what should be done with our Nation's healthcare system. The truth is these stories occur more than most people realize, and many have misconceptions on how this happens. This is why it is crucial to have the right billing network to take advantage of most favorable, predetermined pricing available.

Lets take a look at a couple of scenarios where one person is stuck with a high medical bill and the other is protected. Suppose that two people walk into an emergency room for the same injury, one having adequate health insurance and the other having none. The emergency room is going to immediately know that each patient will be billed differently. The person with the right network billing plan will be able to take advantage of a nationwide network, allowing predetermined pricing for most any medical condition you can name. The other will be at the mercy of what the emergency room decides to charge. Depending on the medical condition, the difference of what is paid out could be upwards of tens of thousands of dollars. The catch is, in order to receive this predetermined billing you must have access to the participating billing network.

When you take a closer look at how these billing networks work it becomes clear where you may be exposed, especially on smaller networks. No one knows this better than the self employed and those who do not get insurance offered through work. When an individual purchases health insurance on the exchange (Healthcare.gov), the only network options available in Texas are HMO, or restricted networks. These networks are formed for the insurance company and the medical institution to share losses, while hoping to bring in excess volume of patients to offset the claims. Even these smaller type of HMO networks can have big holes in their billing networks. For example, if an individual has a surgery within their HMO network they may still have an unpleasant surprise when the final bill comes. Although their surgeon is likely covered, both the anesthesiologist and the surgical tools rented for the surgery might fall out of the billing HMO network, causing thousands of dollars to be paid by the patient. You guessed it, not a word of warning, just a bill that the health insurance will not cover well after the surgery.

The only way to avoid a small HMO network pricing trap is to take advantage of much larger billing networks, allowing you to avoid the uncovered pitfalls. These larger networks, or providers, can have hundreds of thousands of doctors and medical institutions participating coast to coast. Many of these nationwide networks make it mandatory for their preferred discount to be the primary, or front runner, method of billing, protecting the patient's financial interests from any threat of overpricing. In fact, these predetermined pricing modules are so accurate some insurance companies form their coverage to mirror the preferred billing, therefore limiting the out of pocket expense by thousands of dollars. Those who utilize this service can rest easy knowing that their interests will be protected moving forward from the right billing network with unrestricted networks nationwide.

Although these billing network giants are elusive in today's ACA health insurance environment, they do exist across the nation, Texas included. In fact, I have helped dozens and dozens of clients take advantage of these unrestricted networks over the last few months alone, at much more reasonable premiums than ACA policies. It is important to consider the network billing plans when choosing the right heath insurance plan for your family, especially for those who do not qualify for a subsidy (Federal income credit given to those with limited financial means). It is extremely important to speak to a health insurance professional who has access to these unrestricted billing networks, in order to protect your financial interests.

I help provide viable health insurance options that have not been exposed to the huge price increases that ACA policies have experienced. All of our plans allow you to use any doctor, surgeon, emergency room, or hospital you choose. We can control our costs through underwriting for those with moderate or good health. We also present sound solutions for those with health concerns as well. Please feel free to email me at CalB@SafeMoneyAustin.com for more information.

SOURCE : EZINE ARTICEL

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Trump Changes Healthcare With An Executive Order


Last week President Trump signed an executive order on health care, to cause momentum to change with the Affordable Care Act. Taking this action increases healthcare choices for millions of Americans. Having alternatives to Obamacare plans will help make things more affordable. How does that impact you? Let's review the changes.

The order directs the Secretary of labor to consider to expand access to Association Health Plans (AHPs), which could allow employers to join forces across state lines.

Expanding coverage through low-cost, short-term health insurance plan beyond the 91-day restriction they have now.

Allow Health Reimbursement Arrangements (HRAs) to be used as a tax-free vehicle for healthcare expenses including deductibles and copayments. This will also include reimbursement for health insurance premiums for non-group coverage.

The Trump administration will cut-off $7 billion in cost-sharing reduction payments to the insurance companies this year.

Note: The cost-sharing reduction is for out of pocket expenses, not the monthly premiums. Those who qualify for the monthly premium subsidy that will remain intact.

It is entirely possible that this could alter the direction of the Affordable Care Act. Many are seeing massive increases and more out-of-pocket. They are looking for alternatives, but they are drying up.

Many younger folks need lower cost health insurance for longer than 90 days, the current limit for the short-term medical plans. They cannot afford the premiums on the Exchange (or directly through a participating carrier). Many of them do not qualify for a tax credit due to the income being just high enough, even at $25,000 a year, to be eligible for any assistance from the government.

Others work for an employer willing to help but are not in a position to offer group health insurance for some reason. With some of the help from the employer, it will make it more affordable for their employees and create company loyalty. This is good as employers are competing for good talent.

The cost-sharing reduction subsidy is a political debate whether or not it was constitutional or not for President Obama to sign it in as an executive order after the Affordable Care Act was passed. Either way, you believe it, this subsidy was using taxpayer dollars that couldn't be tracked by the IRS. Even with an IRS audit. It was in place for three years, and no one has made any attempts to reconcile it if someone was off on their income for the cost-sharing credit.

In the end, we are all working to making access to health care coverage easier and making it more affordable. The Affordable Care Act started to address it but didn't finish. One can hope that what follows after this executive order will help move closer to that goal.

Arthur "Butch" Zemar is a 2014 Broker of the Year Finalist, an insurance specialist, author and Benefits Advisor at Corkill Insurance Agency. Butch Zemar is actively developing informative resources, such as articles and videos that deliver vital information on healthcare reform and employer options. Corkill Insurance Agency has consultative packages for employers, as well as insurance solutions, to keep employers compliant with healthcare reform and keep skyrocketing premiums under control. For more information

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