Tuesday, January 31, 2012

Know how you can avail cheap insurance plans for all your valuable assets

Most of us put in a lot of effort in order to protect and prolong the lives of our assets like home, car and other vehicles, and most of all, health and life. While insurance is a very prominent part of this process, people often back out from this crucial step, often due to the need on their part to shell out a huge amount of money. Majority of insurance plans are very expensive, whether it is motor insurance, life insurance, health insurance, or any other form of asset insurance. One major factor involved with insurance plans is the huge expenditure involved, and the additional hassle of the extensive paperwork is where most people think they have had enough of it all, thus deciding to stay away from insurance plans. Well, cheap insurance plans have changed this scenario!

Cheap insurance has brought in a whole new revolution, no one can be truly relaxed and tension free without insuring their assets. For example, if you own a car that is still uninsured, then you will always be worried about its safety, and would not be liable to any compensation or claim if it gets stolen or damage. Why take a risk of this sort when you have cheap insurance plans to fall back on? Cheap insurance plans can keep your assets covered against theft or damage, while saving you a lot of valuable dollars at the same time.

Similarly, you can avail several benefits by ensuring your health and well being with the help of cheap insurance plans. Have you not heard of the famous adage, Health is Wealth'? Taking a suitable health insurance cover for your entire family would be one of the most advisable and sensible thing to do. After all, many reputed insurance providers offer totally legal and cheap insurance schemes nowadays, so it should not be a problem for you to find the most suitable one for you and your family members. Inform and advise your loved ones about these cheap insurance plans as well. A sound and well planned health insurance plan would always have its benefits when the need comes for a medical emergency. Most hospitals and surgeons give immediate attention to a patient who has a proper health insurance cover, and cheap insurance plans assure offer all these benefits to you in an economic and pocket friendly way.

Cheap insurance plans provided by trustworthy companies never have any hidden clauses or additional fees, and are very easy to apply for. Just browse online to find a good insurance company offering a cheap insurance plan of your choice. You can choose to meet the insurance company directly, or even download the form online, which will even save more time and is more convenient. The process of applying for these cheap insurance plans does not take any paperwork or long checks on your background, which make them even more appealing.


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Monday, January 30, 2012

Ways of finding cheap insurance

Top Ways to Change Your Current Car Insurance into Cheap Insurance:

Get Theft Devices: Most new cars have theft devices. Some are automatic and some have to be started at the touch of a button, but all usually get discounts on car insurance. Also, some states provide extra discounts for such things as window sketching. Ask for a Multiple Car Discount: Did you know sometimes insuring two cars can be the same price as insuring one? If not the same price, insuring another car usually does not cost as much as you may think. If you have two cars, it is very wise to check with your insurance agent, or while obtaining your online insurance quote, to make sure you can get this discount on your car insurance. Also, if you are planning to sell a second car, the cheap car insurance trick would be to keep that car on just liability to get your multiple car discount.

Sometimes people are surprised when they call their car insurance company to take a car off of their insurance, only to find that their price did not go down but possibly increased! Stick With Yearly Policies: Choosing a yearly policy can extend your savings on your car insurance. Purchasing a yearly policy instead of a six month policy gives you a rate that cannot be changed for one year vs. changing every six months.

Look Into Comprehensive Storage Coverage: If you are planning to store your car for any period of time, you can save on your car insurance by only keeping comprehensive coverage during the storage time. Since the car would be stored, it is very unlikely it will get in a collision or need the liability coverage. Re-Check Your Mileage: This is a great way to get cheap car insurance: If you are really close to the "miles to work" break-off, you may want to check your mileage closely. When your car insurance company or insurance agent asks you "How many miles do you drive to work one way?" this is a crucial question that will designate you into a particular class.

Each class can have significant differences in prices. Look for a Group Discount: Many companies offer a discount on car insurance for being affiliated with certain organizations. These can range from credit unions, college sororities, or just having a certain credit card. Call your service center and ask them for a list of organization affiliations. Lower Liability, Comprehensive, Collision, or Medical Payments Coverages: Of course, you can lower your basic coverages but it may just give you the cheap insurance you need right no!. Comprehensive and collision are probably the first to look at lowering by increasing your deductibles on your car insurance. Most vehicles that are on bank loans can have up to a $1000 deductible.

Next, lowering your liability and medical payments could help, but only if you are having a hard time paying for your premium and is not recommended for general savings. Make EFT Payments: Many car insurance companies are now charging up to $5.00 or more for mail payments, but sometimes nothing if you choose to have payments automatically deducted. And, sometimes the deductions can come from your credit card, so you don't have to worry if the money will be in your bank account when payment time comes.

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Sunday, January 29, 2012

Online Insurance FAQ

A flawless Continuing Education for Insurance license, website for online courses?HELP!?
If you have taken courses online, I don't have time to do an at home study. Please permit me know of websites you have used that have worked out, and how long it took them to go and get the info to the state. Thanks! I enjoy 4...

Any counsel surrounded by attracting clients for insurance plans online . Providing best framework marketing lead.?
Online clients have zero loyalty. I hold no advice, because that's not the type of client I am interested in handling. Source(s): agent, 21+ years HIre a telemarketer and buy a inventory. I pay my telemarketer $50 per sale for heat up...

Any mode to find insurance provider, coverage or agent for LLC business online?
Need to find out insurance company to contact for replacement cost of music equipment stolen from inside. It is small tavern, shows filing as LL C with current Mich. liquor licence on a website but nil regarding insurance. est. 25+ years, but cannot get info from...

Any one can report me Best online insurance india Website?
Well there are copious websites that you can refer to. However If you want an advise about short possession plans with long term gain and also insurance cover please e-mail me at moin.08(a)gmail.com www.easyinsuranceindia.com available. It is best online insurance india website. we can compare and get best quote from...

Any really apposite online primary source repositories concerning US compulsory strength insurance struggle?
In particular, those that might address the role of the AMA during the years of the 1930s to the 1950s? Also, those that might address the words vs. deeds of folks like Senator Robert Wagner? Your question really need a very exhausting comprehensive research, sorry but I do...

Anyone know a worthy site i can buy birth control pills online i dont hold insurance so it would be nice :)?
In the states, planned parenthood usually provides medical care and contraceptives for free for infantile ladies. You can call your local health dept and ask nearly what is available. If you are not in the US, I am not...

Anyone know nearly online hiring of insurance compnies?
i applied online for some jobs and posted my resume online. sadly,so far, the one and only responses i got are thank you messages for checking such job out. but presently i'm getting some letters from insurance companies (actually only two from american income and incorporated american insurance)saying they saw my resume and...

Are near any reliable websites to fill up on or purchase investigational prescriptions online, short insurance?
My health insurance has lapsed and until I renew, a look in to the doctor's office and an y prescribed medication has become terribly pricy...(I just spent 130$ for a months worth of Lexapro, to give you an idea). I be just wondering if there...

Are nearby well brought-up online forums that discuss how to step going on for choosing individual vigour insurance?
Looks like this InsuranceQuotesFAQ.com is still in Beta mode. I am not familiar with any online forums, but a suitable agent will do this for you. And, they know which companies are easy to work with, and which ones try to...

Are online coup insurance companies trustworthy/reliable?
i am looking at purchasing car insurance over the internet (belair direct or a company like such) are the reliable, or is it a scam? if i bring into an accident does it cover me the same as a actual insurance company? and do you have any suggestions, as too which one might...
Are within any online resources that tender underlying product and sale training for life/health insurance?
I don't know about other states, but if you are chitchat about pre-license training, the state of GA requires 40 hours of classroom training before you and sit for the exam. It isn't exactly training, but there are deeply of informative insurance product and marketing...

Becoming an online insurance broker?
I posted a tentative question the other daylight about starting a business as an online insurance broker, but got shot down contained by flames based on the fact I know little in the order of the industry. Those who did so may well be right, but before I remove the idea completely, could someone please point...

Buying saloon insurance online
When you buy a car insurance policy online, will you be required to send copies of drivers license or car registration? I've done it twice and once they did require and once they didnt. Thanks for the help. It depends on the possessor. You already answered it yourself. Sometimes they do, sometimes...

California coup insurance - any tips on what online mover give the best rates?
Ive been looking for ages for someone in my state to afford me a good rate on a policy. Im not a high risk challenger and im in my forties. look for a no first name place really any name you have see or heard of...

Can a doctor prescribe drug online? I do not hold insurance and want to know if I can carry serve online.?
You can decree certain medications online, but you must clear sure that the site is a legitimate pharmaceutical firm and is dispensing the CORRECT medications to you. It can be exceptionally dangerous to take a medication ordered online minus...

Can any body convey me what is the lowest online vehicle insurance company?
i have an old coup and sometimes i use it but i think i pay too much to insure it $55 a month and it is only just liablity insurance and i am looking for an online insurance company that can give me a very low rate www.esurance.com.

Can anyone give an account me where on earth i can find some insurance auctions online>?
im trying to find my mother a truck online, and looking for something reasonable. Was trying to look on copart, but im not a dealer. Anybody get any other sites for insurance or salvage auctions for truck please let me know. I already know about...

Can anyone recommend (based on positive experience!) an online travel insurance company?
In practical terms you call for an insurance company transacting business in the country you live in. Take that from a former underwriter. This is an international forum -- describe us what country you live in and we might be able to hand over you a. ..

Can I achieve insurance on my engagement ring online if I'm Canadian?
I'm looking for a website to insure my engagement ring but most seem to be only for Americans. Does anyone know of any that I can use, that's legit? *The origin I can't go to an insurance company is because I'm currently teaching ESL within South Korea....

Can I achieve online european insurance while I live within us, texas because I cant find US moped insurance. Thanks?
about to turn 15 and about to buy myself my deeply own moped off of cragslist which is very cheap. Sure you can! There's even a slight possibility that it might not be a complete scam/fake policy! But it's...

Can I and how do I report an insurance claim due to online fraud?
I have home owners insurance that also covers my business for an additional excise I pay. I received a $3000 charge back for a purchase a customer made. It very soo n looks the customer may have used a stolen credit card. The really bad entry is...

Can I apply for a UK National Insurance number online?
Don't know. When and where should I apply for a National Insurance number? You should apply for a NI number if: you will be making a claim for benefit, or your partner is claiming benefit for you. This should be done through your local Jobcentre Plus office. You...

Can i apply for medicade online and other condition insurance at home?
Yup!! On the left hand side at the bottom, click on Medicaid enrollment. http://www.medicare.gov/ Not for State Medi-Cal or other state health insurance. You might be capable of with Healthy families if you own kids. And, you can if you apply for Medicare,...

Can I buy a home insurance online and what are the most important elements to consider?
The main entry to consider, is which enhancement endorsements you entail. You'll have to ASK for them, so you'll need to KNOW what's available contained by your state. Because of that, I strongly recommend against "do it yourself" insurance, as you'll probably get...

Can i buy contacts online using my insurance simply?
I HAVE EYE MEDS INSURANCE? Usually the online places do not take insurances. But, you could call your Eye Med insurance and see if within is a place that is on their panel. Usually not with Eye Med as they are owned by like people who own a lot of big chain...

Can i buy contacts online using with the sole purpose my insurance?
i have vsp insurance.. is this possible? That's a real obedient question! I have VSP also and enjoy wondered the same thing. If you find anything out, tolerate me know and I will do the same for you. The just way you'd be able to do it...

Can I cause a wage online for my vehicle insurance?
Making a payment on my car insurance past it is cancelled. when does it cancel? who is ur insurance company? do they enjoy online payment capabilities on their website? obligation more info A few insurance companies will allow you to do this. Most won't. It depends...

Can i duty my scooter tomorrow if i buy my insurance online very soon?
am buying a scooter in the morning and it needs taxing but i am buying insurance online very soon (11:05pm)will the insurer send me a cover note via e-mail as soon as i income for insurance so i can tax scooter in the morning "> ...

Can I end my insurance policy (I hold an agent) consequently apply for another policy online since that is to say cheaper?
I currently have allstate insurance in Georgia. I currently hold an agent, but quotes are cheaper online. I have never be given a ticket or been within an accident thus the online quote shouldn't be higher. I would...

Can I find a righteous Texas Health Insurance Agent Online?
I am looking for a good agent that will look out for me an my situation. Not just go me the plan that will make him the most commission. I recently bought condition insurance from Reserve National of Oklahoma and I foud out because I paid my premiums by...

More Online Insurance quesions please visit : InsuranceQuotesFAQ.com


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Saturday, January 28, 2012

Online Insurance Q&A

Can I find out online whether or not a soul hold duration insurance?
Why, are you planning to kill someone? no that information is not available. however, if you are in a position to monitor their e-mail or bank account you can see if they are mail a premium notice or if they are paying the premium through their bank....

Can I find out online which insurance a creature have if I know their designation and address?
If so, how? And if not, which additional information would I requirement? No you can't. If you are talking about auto insurance and lived contained by a state that has mandatory insurance and had DMV paperwork online you may be able to get...

Can I gain a brand new phone online next to AT&T insurance online or by phone?
Can I file a claim with the actual insurance company online or by phone? My phone be stolen but they left my sim card. What should I do? I have insuranc e. Hey, it's moral to...

Can i nick online college full time and still stay beneath my parents insurances and still recieve child support?
I would think so. Being a full time student does not depend on going to a physical campus. This is state dictated and will vary depending on your location. Each state will have it's own rules however; enjoy not seen...

Can I print out the insurance information needed to register a sports car online?
I'm registering my car tomorrow as well as signing up for insurance from Geiko. most potential. it all depends on the co. you might have to ring up geico and have geico fax it to the dmv while you are there. Yes but you must hold paid...

Can I procure an insurance licsence online?
you on this site Source(s): www.click4freeinfo.page.tl Yes! there are but you need to be (a) appointed trialling center. They will provide you with the PC. The resu lt is instant. Source(s): http://www.einsuran.com Malaysia Insurance Portal : Certification is provided by Malaysia Insurance Institute (Malaysia Only) i don't know...

Can i receive away beside lying nearly my AGE and POINTS on my insurance contract online to carry it cheaper?..support?
im looking for a cheap insurance on the internet, i got 6 points on my licence and im 21 years of age...obviously my insurance is going to be relatively expensive...What if i lie by not telling them my 6 points...

Can I repeal my insurance policy (I own an agent) later apply for another policy online since specifically cheaper?
I currently have allstate insurance in Georgia. I currently hold an agent, but quotes are cheaper online. I have never be given a ticket or been contained by an accident thus the online quote shouldn't be higher. I would approaching to...

Can i seize coup insurance online?< br />hi just wondered if i can get insured online and be capable of drive as soon as ive paid online well what the problem is i dont get hold of paid until midnight tonight and my ive just bought my sports car today and got it M.O.T . but i want to go out...

Can I stay on my parents insurance if i'm taking my classes online?
I am going for my B.S. & I am 21 if that helps. My daughter is carrying 12 units. Half of those unit are on-line with the same university. Are you doing this through an accredited school? As long as she is going to arts school...

Can my insurance cover some cost of my contacts from 1-800 contacts online?
thank you in advance Yes-this is from the FAQ's cooperation on their page: Does 1-800 CONTACTS accept vision insurance? 1-800 CONTACTS is agreed by most major insurance companies, such as Cole Managed Vision, Davis Vision, EyeMed, Spectera, VSP, and many others as an out-of-network p rovider. So, if...
Can online students still be covered for form insurance beneath parents plan?
I'm under my parents health plan and i turn 19 within January and thats when my coverage will be terminated unless I show proof im still a "full time student".. Im currently enrolled in college but online.. Does this still qualify underneath full time student? I was...

Can somebody comfort me find upright dental insurance online?
I was looking for dental insurance, not dental plans. And I was wondering who have the best coverage. Please help, I need a open cleaning so bad! Depends on which state u are in. www.Dentalhealthservices.com for WA, CA and OR Try this one - http://healthplans.bebto.com - I personally own...

Can u apply for your Social Insurance Number online?
First time applicants must go to a Social Security office and apply surrounded by person. Here is a link that will answer most of your qu estion: http://www.ssa.gov/online/ss-5.html

Can u still receive insurance on a phone you bought online?
I wanna buy a phone on ebay but was wondering if my phone company will still let me purchase insurance on the phone? definitely not.. companies only insure phones that be bought through them. why would they want to give someone who breaks a phone they did even buy...

Can you buy goggles online next to VSP Insurance?
My optometrist has like 12 styles to chose from, I necessitate more options! I asked my optometrist to fax me my presecription, so I have that ... but I of late dont know if VSP vision insurance allows for online purchases. Thanks! Try Lenscrafters online. They accept almost adjectives vision...

Can you communicate me where on earth do i shift to buy cheap form insurance? How in the order of online strength insurance?
I'm 23 and my parents can't cover me under family insurance anymore. Buying from my work place is really expensive and have to work at least 32 hours. Buying from University is in the order of $1,400 a...

Can you do a online amount to become an insurance adjuster?
Sure you can, but it won't do you any good. In writ to be an adjuster, you have to pass a state exam, which you CANNOT take online. So that degree channel NOTHING. Most insurance companies hire inside people, straight out of a bachelor's degree....

Can you enlighten me where on earth do i budge to buy cheap condition insurance? How in the order of online robustness insurance?
I'm 23 and my parents can't cover me under family insurance anymore. Buying from my work place is exceptionally expensive and have to work at least 32 hours. Buying from University is around $1,400 a year. I need...

Can you fax or steep out a CA severance claim form online? (not the form to receiv e the insurance)?
Is there a website where I can saturate out my claim form or can I fax it to the CA EDD? does this help speed up the process so I can get my check faster?.and Yes, I hold spent the last hour...

Can you find out anywhere online if a entity have a alive natural life insurance policy?
My friend's mother died today and 2 months ago their house caught on fire and most of their belongs have be destroyed. Her mother has been genuine sick and when she went to the hospital she was essentially unresponsive, so she was not able to...

Can you help yourself to the duration insurance license exam online? What is FLASH?
I want to take the life insurance license try-out for California online, can I do that? Is FLASH the name for the online test? Thank you!! : ) No, all license tests have to be taken within person, at an authorized testing center - and, they...

Can you inco rporate insurance at the post organization, to a USPS sign printed online. ?
If I print a label online for a USPS package, can I join insurance coverage at the post office? I know you can buy and pay for it adjectives at once, but would like to use up some stamps. Please help!! Yes, you can do...

Can you obtain hydrocodone online in need a prescription? hold a fruitless lower put money on but no insurance .... help out please?
injured my back in a sports car wreck .... im 52 years old.. NOT interested in becoming a drug user ,,, but it really helps the pain . Not with out a...

Can you print out insurance details from online to use as documents for UK sports car duty??
instead of waiting for the insurance documents to come through the post to tax your car update on this cross-examine my son took out car insurance with an online insurance company ,that company single deals with online which techn ique he had to print...

Can you still be on your parents insurance if you are contained by academy online full time?
Will it count the same as you being contained by school full time on campus? Yes as long as your parents take-home pay the premium and you are still a minor or a full time student under 21 or 25. It really...

Can you still be on your parents insurance if you are surrounded by institution online full time?
Will it count the same as you being surrounded by school full time on campus? Have your parents check their insurance conditions. It's up to the individual insurance company. You'll have to call them and ask. Source(s): agent, 21+ years yes it...

Can you tag on a child to your insurance online?
My kid just got her license and I be wondering if there was any opening to get her on to my insurance through the internet. some companies allow you to do this. i woul d suggest calling the company or your agent direct though to make sure they rate her correctly...

Car insurance - some info online say if I hold an disaster my collission insurance should repay not solely for?
repairs but also for the dimunition in value of the sports car (e.g., it's no longer a car that's never been contained by an accident, for which a buyer might pay a bit more). My Calif ins agent say, on...

Do I wan to pinch out business insurance for an online network business?
It is just me running the business as a sole trader. There are no employees, virtually no income (except my laptop) and no physical goods. Turnover is less than $40k. Do I necessitate to take out business insurance or can I go in need it? The only reason...

More Online Insurance quesions please visit : InsuranceQuotesFAQ.com


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Friday, January 27, 2012

Online Insurance Faq

More Online Insurance quesions please visit : InsuranceQuotesFAQ.com

Do insurance companies still ask for written no claim proof when you insure your sports car online?
Yes. if you are a tentative customer to them they will ask you for written proof of no claims bonus. if you have already got a policy next to them or an associate of theirs they may not require one. either way it doesn't...

Do the online mortgage calculators lug into consideration taxes and mortgage insurance?
Not if at hand isn't a place for you to enter it in. Yes some do and some don't but you need to know what the Historical data for the property you are looking at because not adjectives properties have the same taxes. Even a property selling for matching...

Do you believe the robustness insurance industry is involved next to protests at town lecture theatre meeting and online?
Here is a portion of a quoted interview of Wendell Potter, former head of communications for CIGNA: "the i ndustry funnels millions of its policyholders' premiums to big public relations firms that provide talking points to conservative gossip show hosts, business groups and...

Do you still recieve insurance after age 18 if you are doing online scope programs?
I am hoping to be doing an online degree program, and i was wondering if anyone know if this was concidered schooling and still counted for free insurance that i will loose at the age of 18. "> ...

Does a parents insurance cover here child if they are 21 and taking online college classes full time?
Does a parents insurance cover there child if they are 21 and taking online college classes full time? No, you must be attending a conservatory according to most insurance policies. Online doesn't count. Easy answer question,no.Not solvable question,no.Browse this information,your answer...

Does anybody know where on earth i can study online s ubstance nearly getting insurance license within NC?
http://www.insurance-schools.com/free_in or your state insurance department website. Source(s): agent, 21+ years I used Kaplan Financial to transport my insurance exam in California. Kaplan is highly respected and really arms you to surpass the exam. I put their main website...

Does anyone buy things online? Why do they constraint Insurance?
I just bought 2 pairs of trainers off this foreign website, it say the price under it and also free shipping. Though when you go to the checkout, insurance pops up and automatically add that to the total amount. One pair was $37 and they give $13 insurance. It was...

Does anyone enjoy a guidance for a reliable online travel insurance company?
I highly recommend American Express/Access America. Source(s): http://www.accessamerica.com/americanexp I am a Certified Tracel Consultant Specialist Try the compar ison engine at squaremouth. US Residents http://www.squaremouth.com UK Residents http://www.squaremouth.co.uk

Does anyone enjoy Teamsters insurance and know if you can bring a clean card online? Because I lost my insurance?
card check out the site they have a benefits area.. you should be capable of plug in your # and get a foreign one either sent or print one out http://www.teamsters.org/

Does anyone know a appropriate dental insurance company to procure online?
There is no such entity as good dental insurance. If you check the policies, it is a joke. actually the company Aflac has a suitable dental plan but you need to sign up in soul. but that might be because im an agent for them. you...
Does anyone know a worthy robustness insurance to buy from online?
Many of the Blue Cross Blue Shield Association plans are available online. A quick Yahoo search near the name of your state and Blue Cross included should be of help. Source(s): www.higginscompanies.com Theres a new company offering low cost individual vigour plans in Texas for young, plausible healthy...

Does anyone know if within are any affordable dental insurance online that cover dental surgery?
on impacted teeth and removal of wisdom teeth.I'm desperate here.I dont have alot of money and Im surrounded by alot of pain and am on a non-solid food diet.PLEASE HELP.Im in agony! I simply have medicare and I know they dont cover it. Some dental...

Does anyone know of any affordable dental insurance? i could apply for online? ?
i have a chipped tooth with no insurance. looking for something affordable that i can manu facture weekly or monthly payments on. yes, i apply contained by here too. check this http://www.dentalplanshealthinsurance.co You have five options near dental. 1. Go without insurance. If...

Does anyone know where on earth I can buy affordable motorcycle insurance online?
I prefer one that will provide same day proof of coverage. My hubby was stopped on Friday after work and we obligation this as soon as possible. Thanks!! Progressive I pay envelope 75 dollars a YEAR, for just me on my 150cc scooter, for...

Does anyone out nearby sell/promote online one of those "dental plans"?[not insurance]?
I'm just curious because I would REALLY like to sell/promote one of these companies for extra monthly dosh. But would feel like also that it is a great assist for a lot of ppl out there who do not enjoy dental insurance like me. I got one similiar [different...

Does your insurance bring back reduc ed like peas in a pod amount when you steal online compared to in-class defending driving?
And if you take online defensive driving does it issue whether it's $100 compared to $50? inclass is better All the insurance company care about is the certificate you seize at the end of the course. They...

Fraud online insurance?
How can a company get my cell phone number from my computer? I was on ehealthinsurance dot com and it lone asked for my date of birth, if I was a student, and my zip code. All information that I assumed be not a big deal to give. Well, at 10:10 tonight I received a phone telephone from...

Giving out National Insurance number online?
Hi, When I sometimes apply for jobs online I am asked for my National Insurance number in the application form. I be wondering if this is normal practice as I thought you need it after you are hired. I enjoy been to a few websites such as the 'three ' mobile phone...

Going to Mexico & will be getting a vehicle rental, I've be reading online that insurance is notably recommended,?
but from what I've learned by calling the car rental companies, supporting liability is already included in the base price of the rental. The supplementary insurance they offer is to cover damage or loss on the vehicle itself, other liability, or...

Hard to find an online insurance company for a sports car over 25 years antiquated?
the options for years go as far as 1981 even 1992 anybody own a site that would insure a 78 marquis No its not tricky to find a car insurance on the net, freshly to visit this site http://www.nightbirdssolutions.com im sure it will...

Has anyone ever gone to university online for citations within vigour coding for insurance companies as a purpose?
If the goal is to work at a health insurance company, you can work you r opening up to doing claims processing without going to school for coding. If the aspiration is to create claims for a practice or facility, then going to school...

Has anyone get insurance online afterwards straight after get export tax online?
Im wondering if this will be a problem? will the insurance be on the dvla database if you have only purely purchased it online? i need to get charge and insurance for tomorrow and i wanted todo both online is this going to cause a problem have anyone ever...

Has anyone out near taken an online course for a 215 insurance license that have be approved by FLDFS?
If so, can you please tell me what course you used & if you liked it. Thanks surrounded by advance And if you don't know what I'm talking just about please don't bother answering because you will lose points. Thanks...

Has anyone purchased sports car insurance online?
I want to purchase geico online but would like some input on any experiences with online auto insurance policies? Go near an agent. It will cost the same or cheaper and you will get direction. This is too important to make fruitless decisions on. i use progressive that i bought online, they have...

Have you ever purchased Life Insurance Leads online? If so, from what website?
I was thinking about purchasing some lead to propel my business but I am having trouble deciding the best website to use. I enjoy researched Netquote and MostChoice among others and was wondering if anyone has have any success with any of these or any other site....

Hello,I am thinking to taking on private healthcare insurance,search online and found several of them?
But my question still remained unanswered,I unspoken they cover for surgeries and hospital admissions,but what about daylight to day health treatments,such are colds and sickenesses ? If your in the UK consequently most health insurances will only cover charge your GP cannot provide e.g....

Help beside online insurance companies?
Im looking to purchase a car in the essential future, in certainty Im going to look at some this weekend. Background info, I live in Massachusetts, this is my first car Im buying, but Ive have a license for eight years, and a clean record. In my state (as I believe contained by all others, though...

Help!! What are the benefits and drawbacks of online insurance?
10 points...if u can state 5 benefits and 5 drawbacks... or if ur answers are gud enough :P thnx for answering!! Drawbacks: 1. Your acting as your own agent, so you don't have anyone to ask in the region of coverages. 2. the website might be spoofed,...

Hey my vehicle insurance get expired..is at hand anyway I can renew it online?
My car registed in Chennai but I live c ontained by Bangalore. more information about it click on http://allurinsurances.blogspot.com Source(s): http://allurinsurances.blogspot.com In India you will be able to renew it online with a condition that you return with it reinspected from the insurance company or its agent...

Hi I want to transport Health Insurance for my parents surrounded by India. Is in attendance any apposite online portal surrounded by India?
Does anyone actually believe this is a real put somebody through the mill? It seems pretty obvious to me duplicate person posted the questions and answer a short time ago to get his link posted. LAME! Why...


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Thursday, January 26, 2012

Online Insurance Questions And Answers

More Online Insurance quesions please visit : InsuranceQuotesFAQ.com

How Doctors Offices "Front Office" Verify Insurance Benefit Online?
Depends on the insurance. With most, they call via phone. But within the end, it's up to the patient to label sure the insurance is in effect and to know what it covers. They have a website they subscribe to - they go to that website, and type surrounded by...

How long does it thieve to recieve a form by e-mail after you appy for job loss insurances online?
i appied online on 12/13/08... About one week. Be sure to have printed adjectives the documents for your records. I would say a week to 2 weeks because of holidays. Any of the state or federal office take atleast 4...

How much will insurance cost lower by taking online driver's ed within Florida?
I'm 18 years old and I live in Tallahassee, Florida. I used to own a 1996 Mazda Protege DX and it cost me $127.00 a month with Acceptance Insurance. I never have have a ti cket or have been within a wreck. I see some people who have...

How much would it cost for insurance for a 2001 Lamborghini Diablo? Haven't found anything online.?
Me and my friend were just online looking up Lamborghini prices and be wondering what the insurace would be. Couldn't find anything online that would give a quote. Anyone know where to move about or know this? it depends how old ...

How to find info on the network services robustness insurance companies provide to check insurance elegibility online?
I'm looking to develop a medical billing software for a client, and I want it to include a feature to check insurance elegibility of patients online like Kareo (www.kareo.com). I be wondering where I can find information on the web services (REST/SOAP) or...

How to get hold of different york workers compensation insurance online please suggest?
if you want to acquire i nfo about nys workers compenastion online then you must hold to visit ezcontractor. Source(s): http://www.ezcontractorsinsurance.com/ You can't buy workers comp online. And in NY, you're also required to buy short permanent status disability for your employees. Go talk to the agent...

How to provide energy insurance online and how to find prospects online?
i m an icici prudential adviser from karwar,karnataka The difficulty in selling online is that you requirement to be licensed in every state or region that requires licensing to cover adjectives the hits you get to your site. It's a pretty satuated market surrounded by terms of online...
How to recompense insurance online?
i am having pulsardtsi 150 (purch- 50-06)how to pay subsequent yrs insaurance If you enjoy an account with hdfc mound you can pay insurance premium online using net bank facility, the current insurance companies are hdfc standard life insurance, icici, birla sun life and lic. Also you can dance to their respective websites and...

How would you cheaply look for/identify relatives who have need of insurance online?
knowing how to look for insurance leads. I would say that if you look on vein...every business ...every person.. every entity you see on line...requirements some form of insurance. Like the phone book (yellow pages) These are suspects and these are prospects. CALL THEM!...

I am a unusual insurance agent. What tools are available to relieve me open market myself online?
Join insurance agents chat rooms such as www.insurance-forum.net Eve rything is near. Before you go insurance online or in person, you must know your product. Before you supply online, be sure to check all the states insurance laws, about licensing. Do you...

I am achief mediator of a Bank and I choice to appear liceciate exam contained by natural life insurance. online exam avilable?
Hello Sir, I respect your idea of joining into Life Insurance Business, Sir as you have stated that you want to budge for online exam for life insurance, it is possible, You need to consult RNIS training institute...

I am doing my bank and Insurance i am within 2nd year.Is here any bank exam online from india?
This is the section for the SPECIAL EDUCATION of students with DISABILITIES. It have nothing to do with bank, insurance, higher education, or India. You can post your sound out to any of those relevant sections. Try the website of...

I am immediately on my husbands insu rance. Is here anyway that I can walk online...?
and check things out. Its under a group policy (work) and Its blue cross. I havnt received anything in the post yet. Neither one of us has. His company switched from United to Blue, shouldn't be recieving are cards and...

I am looking for a online opportunity next to insurance at this time .?
I am thinking about getting a online job for myself someway . It would hold to have insurance with it though . I enjoy ben looking for those types of jobs lately and I did see that I could get insurance beside Avon . ...

I am looking for a place online to research and buy go and form direct insurance for me and the familial?
Anyone aware of a site for this? Is it a good idea. I know life span and health are complicated but I think agents engineer it confusing sometimes... Hi, you can try for an answer contained by...

I am looking for buyi ng a life span insurance online?can anyone assist me?
DON'T BUY ONLINE!! You can give the name around some live insurance agents and get their advice for free. Insurance is right. Call a professional licensed go insurance agent for some quotes. There are many questions that stipulation to...

I am seeking work and lost my insurance. I want to direct my prescriptions. Who can I trust online?
If you reside in the USA, I can send you a FREE Discount Drug Card that will hide away you an average of 15% or more on Brand Name Drugs and an average of 55% or more on Generics!...

I am setting up a home base online retail store and would close to direction on insurance.?
My home insurers say our home insurance will not cover any online retail business. Has anyone any experience/advice? If your store is online then what do you want to insure? If you have no inventory you should be okay. If you want...

I am wanting to start an online store that sell food products. do i requirement insurance? where on earth would i bring that?
from me. ha ha but serious you can get it from any place that sells insurance most will enjoy some sort or can recomend where to find it. and yes you need insurance...

I asked if i could buy some anti depresant meds online? didnt close-fisted anything unpromising, but i dont enjoy insurance ang
First, if you are prescribed an antidepressant (or any medication) that you can't afford, be sure to visit the website of the manufacturer because they commonly offer assistance to low-income / uninsured people. If you entail help getting a...

I asked if i could buy some anti depressant drugs online, explanation i dont own insurance and I am ver depressed?
Do not achieve drugs online because they are sometimes fake or expired. You probably could, but I would not guarantee the quality. Have you ever be to a therapist or a psychiatrist to find which kind of...

I be looking to buy oxycodone online. I hold a prescription but it is highly expensive as I hold no insurance.?
I try to find the best place for you to buy oxycodone online. The prices are good and FREE Shipping. From http://www.amazon.com/gp/redirect.html?i Hope you find your favorite. Good Luck! Oxycodone is a narcotic,...


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Wednesday, January 25, 2012

MobilePhone Insurance For The iPhone Generation

Mobile phone insurance is something most iPhone owners consider at one point or another. As friend's tales of water damaged and stolen phones become more common however, iPhone insurance becomes a larger consideration.

Naturally, particularly for the iPhone generation, the easiest place to begin look for iPhone insurance is online. A quick search will reveal most of the iPhone insurance companies, and failing that it's always possible to ask in a forum either specifically dedicated to iPhones or a financial and insurance forum.

But before you begin looking online specifically for insurance for your iPhone, why not talk to your home insurance company first? Many home insurers include cover for mobile phones as standard under their normal home insurance policy, but many gadget lovers do not realise this. Of course, the cover is typically not as robust as that which you might get from a mobile phone or gadget insurance specialist, but it's still wort h looking into. Check with your home insurer to see under what terms it is insured and decide whether or not this is suitable for you.
Theft is one of the main reasons for getting an iPhone insured. A high number of iPhone insurance claims are theft related, particularly theft whilst the owner is texting using the phone. In fact, it's a reasonable assumption that all of the things that attracted you to buy your iPhone are the same things that thieves like about it.

Damage is also another problem that iPhone owners face. Cracked screens are one of the most - if not the most - common reason for claiming on iPhone insurance, and this is caused by all manner of accidents. Usually this is caused by simply dropping the phone, although there are a growing number of claims for iPhones which were left on the roof of the car while the owner mindlessly drove away.

Water is of course another enemy of the iPhone, particularly toilets, baths and beer. Men are one of the biggest 'toilet offenders', dropping the iPhone out of a shirt pocket. And reading your iPhone in the bath is not recomme nded by any means, as most iPhone insurance companies will admit this is one of the most common claims put through.

Beer has never been a friend and in its simplest sense this means damaging your iPhone through water spillage. Of course it's during the beer - induced times that so many of the other iPhone-related problems happen, such as theft and simply losing the phone.

For iPhone owners there are a number of perils that face them. Comparing iPhone insurance is certainly a worthwhile exercise if not simply to highlight some of the likeliest dangers your phone faces with you.


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Tuesday, January 24, 2012

Residential and Commercial Property Damage Claims – How to Make them Successful

Your home has just been struck by a crashing tree, tornado, vandals, wildfire, or some other calamity. What do you do? Where do you begin? Assuming you've already safely evacuated the home and secured it from additional damage, your next step involves a call to your insurance company. Whilst insurance can't replace the irreplaceable, it is one way of ensuring you're covered for the expense and some of the loss. However, some people are still unsure of how exactly they can about making a claim with their insurance company and what rights they have.

Every year, hundreds of thousands of people have to file a property damage claim with their insurance company and every year, more and more homeowners and business owners are turning to Property Insurance Claim Adjusters to handle this for them. The reason behind this is that policyholders are now learning that insurance companies have a tendency to underpay them on a property loss claim.

If you are planning on filing a home insurance claim, it is important to know and understand what type of claim you will be filing. The approach homeowners should take when filing a home insurance claim will depend on what type of loss you have experienced; theft, damage to the property, or a combination of losses. The type of claim will also differ if the loss was caused by a natural disaster. Some home insurance plans also cover injuries that have taken place on the premises. For filing home insurance claims involving injuries, you must ensure that prompt and proper treatme nt be administered. Injuries that are covered by home insurance usually include sudden falls or injuries caused by tools. Always be sure to keep a copy of any medical receipts and prescriptions for the insurance company.

Keeping the best interests of the clients in mind, these companies work out claims and rectify claim discrepancies with perfect ease. They enjoy long-standing relationships with all leading insurance companies in the United States, which puts them at an advantage to expedite the insurance claim process and obtain the best compensation that covers all property, commercial, fire, flood and water damages for their clients. Their insurance claim management service helps speed up the process of site inspection and claim settlement, allowing clients to resume normal business soon after damage restoration. Some companies go to great lengths to reduce financial stress on the clients by billing the insurance company for the entire charge incurred on water damage restoration, insurance management and other services extended.

Overall, making sure that you have plenty of documentation and backup is essential to filing a home insurance claim successfully. It is a great idea to keep a camera handy and take pictures of any damage, injuries, or items within the home, as this will help your claim go a little more smoothly. Also, it is important to keep a calm head and be patient when working with the police and insurance adjusters.


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Monday, January 23, 2012

How to Renovate Your House After Fire Damage

Coping with the loss of your home and your belongings in a fire can be a tedious task and the process of restoring your home can be difficult, stressful and costly. The fire and water damage and the ensuing procedures can be very traumatic. If you have been through such an incident unfortunately the first thing you should do is contact your insurance company.

Ensure an adjuster of the insurance company inspects the site and damage before moving all the elements. You may also want to get help from an insurance loss assessor. Now here is the difference between these two professionals, while the expert working for the insurance company and it is his duty to seek ways to save you a loan appraiser does exactly the opposite because it works for you.

For example, if you had a fire in your house and the entire living space was charred, the trimmer put in the paperwork which includes applications for structural damage, water damage, loss of furniture and app liances. On the other hand, the appraiser will come and show you the damage to kitchen appliances from the sprinklers. He will also travel through your policy with a fine tooth comb, looking for hidden coverage.
Once finance has been settled, you should consider the perspectives of various renovations. One way is to take care of cleaning it yourself with help from friends, relatives and some local labor before calling a builder to renovate or rebuild the house according to your specifications. Another option is to hire professional fire and the establishment of flood damage restoration. Needless to say the second option may be a little more expensive because you're seeking the assistance of specialists, but it may be more efficient and will save you the stress of having to do the recovery yourself.

However, if you choose to do the work yourself, the first step would be to obtain a permit from the fire department in ensuring the safety of the structure. Wear goggles, gloves and heavy boots to protect against hazardous gases and materials.

Turn off electricity if it has not already been done to prevent electrical surges and assess the damage without touchi ng the son of electrical appliances or posts. Take photographs of damaged items so they can be supplied to the insurance company.

Next, remove the soot as soon as possible, which is a left rear of the dust as a day of fire that is either dry, oily or sticky, but somehow it is always acid and leave stains. To clean the soot hold the vacuum near the surface of the element covered with soot. Remember to use only the nozzle, as attachments will force the soot away. You may also consider seeking help from professionals who have equipment that is best suited for the elimination of soot.

You may not be able to fight against the smell of burning without seeking the help of a professional agency. They may use an ozone treatment to break the molecules to eliminate the smell of smoke. But this part of the procedure can be performed after the cleaning has been completed. Ensure that all appliances and furnishings are covered during the ozone treatment.


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Sunday, January 22, 2012

Auto Insurance Of Las Vegas - Saving Through Auto Insurance

With the growing number of road accidents taking place every day, it is very important to secure your automobile against any damage costs through an effective auto insurance, otherwise one may face grave financial repercussions, such as auto repair, auto body repair, paint job, etc. Auto Insurance of Las Vegas provides affordable car insurance coverage in Las Vegas. Las Vegas auto insurance quotes can prove to be very costly if the right auto insurance company is not selected.

There are many factors which influence the Las Vegas car insurance rates like age, the kind of vehicle, driving record, the location of residence, the credit score, the number of miles driven, the credit score and the coverage. A good credit score can help you achieve lower premium on your Las Vegas car insurance.

Las Vegas Auto insurance quotes and rates vary from company to company, so some comparative research can be done and at least three quotes should be considered from different insurers or agents to get a comparative idea and select the most cost-effective Las Vegas auto insurance. The same information about the Las Vegas Car insurance, deductibles and coverage should be given to each company in order to get an accurate comparison. The current auto policy should also be kept in mind. Different phone directories should be checked to acquire information about agents or companies that do business in Las Vegas auto insurance and quotes should be requested online from individual company sites.

There are comparative websites which can also be conveniently used. These sites are not biased towards any one company so various information and particulars are added to get back several different Las Vegas auto insurance quotes. This allows the customer to follow up on the required quote.

Other means to save are by increasing deductibles, taking advantage of any existing discounts and driving fewer miles. Certain companies claim to reduce the premium from five to 20 percent with discounts.

Auto Insurance of Las Vegas has friendly and knowledgeable Las Vegas auto insurance agents that can personally structure an individualized quote that is right for anyone, providing not only the lowest possible auto insurance rate, but also the perfect coverage for the customer's needs. They offer coverage in various Las Vegas Auto Insurances such as Las Vegas car insurance, Motorcycle Insurance, Truck Insurance and Recreational Vehicle Insurance.


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Saturday, January 21, 2012

Auto Insurance Of Las Vegas - Affordable Automobile Insurance Coverage

Auto Insurance of Las Vegas is a local auto insurance provider in Las Vegas that offers reasonably priced Las Vegas Car insurance coverage to the residents of Las Vegas and surrounding areas. Its agents are fully qualified and assist clients in determining the optimum auto insurance and the most reasonable Las Vegas Auto Insurance quote and premium for the Las Vegas Auto insurance. Theirlocal professionals deeply understand the needs of the locals and make available accurate auto insurance for them. This Las Vegas Car Insurance company offers a variety of insurance possibilities to its clients.

Being locals gives Auto Insurance of Las Vegas the benefit of knowing and understanding the market and the issues in a better manner. Therefore, they can advise clients on the optimum Las Vegas Auto Insurance, ensuring there is just enough auto insurance coverage. Their friendly and knowledgeable auto insurance agents offer reasonable and affordable Las Vegas Auto Insurance Quotes for insurances such as automobile insurance, motorcycle insurance, truck insurance, recreational vehicle insurance and other Las Vegas Car Insurances.

Quotesby the agentsof Auto Insurance of Las Vegas are only determined after a thorough analysis of the type of Las Vegas Auto Insurance required and the precise level of coverage needed. They make sure that the minimum state standards are adhered to for every Auto Insurance Quote Las Vegas. In case there is a Las Vegas Car insurance coverage that goes beyond the state standards, their thoroughly trained and qualified professionals duly examine the policies concerned and only approve the auto insurance if there is an urgent need or utmost necessity to increase the coverage.

They provide the most competitive and affordable Las Vegas Car Insurance coverage to their customers. The background resources are properly examined and only the best Las Vegas Auto Insurance Quote is offered to the clients. Since they consider clients as their foremost priority and are absolutely customer focused.

They recommend several strategies to the clients for selecting the optimum Las Vegas Car insurance and coverage. Such strategies have helped a lot of their clients achieve best quotes that have been increasingly beneficial for the clients. They have years of hands on experience in the field of Las Vegas Auto Insurance coverage and policies. Their clients depend on them for reliable and profitable Las Vegas Auto Insurance Quotes.

Auto Insurance of Las Vegas believes in providing result oriented solutions for its clients in order to establish long term business relationships that spell enhanced business for them and better Las Vegas Auto Insurance coverage, Las Vegas Car Insurance coverage and more affordable Las Vegas Auto Insurance Quotes for the clients.


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Friday, January 20, 2012

Coping With DUI's While Shopping For Free Online Auto Insurance Quotes

Do you have a dui on your record and are now in the market shopping for free online auto insurance quotes? I am pretty sure that your current auto insurance company decided to have you pay an arm and a leg just to keep your car insurance with them.

And especially when you have a DUI it can easily double your monthly premiums to a point when it's almost impossible to keep up with the payments. This is really unfair especially because of the amount of fees that you have to pay every month to pay your fines for your GUIs.

It is ready enough headache to pay all those fines now because of the DUI and setting up court dates. Now you have to pay a lot more for your car insurance. It just seems that life is unfair sometimes. You do not have to settle with paying a ridiculous amount every month for your car insurance payments. You have options to choose from and you should take advantage of them.

Wouldn't it be nice to have some stress taken off of your shoulde rs because of all the court dates and fees that you have to pay right now because of your DUI? It sure would be nice to pay a little bit less every month on your auto insurance premium. I'm sure that while you were searching for free online auto insurance quotes you have been getting unsatisfactory results.

Well what you need to do is to shop everywhere possible for the best rates. Take advantage of the best deals out there by doing a little bit of homework and putting in about five minutes of effort on your part so you can save a ton of money.


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Thursday, January 19, 2012

The Shocking Truth About Shopping For Free Car Insurance Quotes When You Are a New Driver

Did you just get your license and your unsatisfied with the results you're getting from shopping for auto insurance quotes? This can be a very frustrating situation to deal with. Especially if you have gone through a lot get your license, pass your permit test and especially after you have just passed your infamous driving test. After dealing with all that stuff, now you have to put up with insurance companies rates.

And because you are a new driver they decided to charge you a ridiculous amount every month. This makes shopping for free auto insurance quotes a headache. The top car insurance companies just don't trust young drivers and I am sure that you know that this is unfair. Wouldn't it be nice to be awarded a low amount to pay every month for your car insurance because you have just passed all the tests with flying colors? And you can put the extra money you have saved from paying less on new car insurance to spend a new car.

Well you don't have to put up with paying a high amount every month for your car just because you're are a new driver. The problem is that you are looking at the wrong places for free car insurance quotes. While shopping for free car insurance quotes you need to shop everywhere imaginable. It's not good enough to just look at one or two popular companies that you normally see on television online for quotes.

You will never know how much you can save every month until you put in that little bit of effort to get the right amount of insurance premium to pay every month that you are satisfied with.


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Wednesday, January 18, 2012

How to Boost Your Insurance Payout on Property Damage Claims


Filing property damage claims is a complex process that often results in the property owner being shortchanged. First and foremost, insurance companies are for-profit businesses. They arent in the business for fun; theyre in the business to make money. Insurance companies have two ways to make money: collecting premiums and minimizing payouts.

It doesnt matter if you have a homeowners insurance claim or a commercial property insurance claim, the process is the same. You pay premiums to the insurance company for coverage. If you suffer a covered loss, you file a claim and the insurance company pays you a settlement, less any applicable deductible. However, this settlement may not be enough to fully reimburse you for your losses.

In order to boost your insurance payout, you must not sit back and let the insurance adjuster tell you what they will pay. Instead, you need to take an active role or hire someone to act on your behalf. Remember that the insurance adjuster, no matter how nice he is, serves the insurance company whose goal is to make a profit by minimizing losses including YOUR losses.

On the other hand, a public insurance adjuster is one that you can hire to represent you. These adjusters document everything and negotiate higher payouts directly with your insurance company. They are licensed and are often former insurance industry employees who know how the insurance claim game is played. They can counter any tactics the insurance company throws your way and aggressively pursue maximum settlement offers. These professionals earn a percentage of the payout, so its in their best interest to maximize it.

If you want to boost your property damage payout on your own, find a reputable contractor who will be doing the repairs and ask the contractor to be present during the insurance adjusters visit. The contractor will have the expertise to point out all structural and cosmetic damage damage that the insurance adjuster may have overlooked on his own. In addition, the contractor will ensure that estimates reflect actual rebuilding and material costs. The insurance adjuster relies on books and software for making estimates while a real contractor has working knowledge of real world costs.

One of the most important tasks when boosting an insurance payout takes a bit of work on your part. You must thoroughly document EVERYTHING. Invest in a digital camera with a huge storage card and take hundreds of pictures. For example, if you have water damage, take pictures showing the standing water and water level as well as pictures of every single damaged item, especially those that you must throw out due to safety concerns.

Next, use a notebook or your computer to write down a complete inventory of damaged items along with their original cost and estimated replacement cost. Include everything, even small items. Youd be surprised at how your small losses soon add up to significant amounts. For example, if the contents of your refrigerator must be replaced due to the power being out for several days during a flood, make a thorough inventory of all items, even condiments. At $2 to $4 a bottle for salad dressing, mayonnaise, ketchup, and olives, it doesnt take long before you have a huge grocery bill just to restock the basics.

Dont forget to keep receipts for any emergency repairs, temporary lodging, and other related expenses and include them on your claim. When filing the claim, be as thorough as possible and make sure that the claim form is complete and legible. Insurance companies love to delay payouts due to missing or incomplete information.

By taking a proactive approach to filing a property damage claim, you will definitely boost your payout.






Dryout Inc.
1415 Colonial Blvd.
Fort Myers, Fl. 33907
Mr. Mark Decherd
http://www.dryout.net
239-437-7100

Water Damage


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Tuesday, January 17, 2012

After fire or water destroys your home or business, Should you Fight or Dance with the Insurance Company Adjuster?

Your home or business has suffered a disaster such as fire or water. Is it time to fight, or is it time to dance with the insurance company adjuster? Feel the mood, listen to what they have to say, determine if it sounds true and then get ready to dance. Or in some cases get ready to fight, hire the experts, lock and load and fight for what you deserve. Your insurance settlement! It is unfortunate but in most circumstance one must be ready to fight and demand to get what you deserve, a fair settlement.

First - Fight or not to Fight? Do you really get more Bee's with honey? The decision to make a stance early on is not an easy one. It really depends on who the adjuster from the insurance company is, his qualifications, his mood, years at the company ect. In other words, it is not really the company, but the adjuster that is assigned to your claim that will dictate how you decide to respond. One can usually see within a week or two the intentions of the company adjuster. So let's assume it will be simply a dance which needs to occur. Then again maybe and most often not.

Second - Who will be leading the dance? The insurance adjuster deals with insurance claims on a daily basis and naturally wants to lead. He will want to establish his suprieriorty over you and tell you how it will work and how you get paid. After all, what do you, the insured, know about insurance adjusting. He'll steer you this way, and then that way, gracefully and smoothly, slowly spinning you around the dance floor. He will try and get you from one side of the dance floor to the other. But at what cost? Sure, it's easier to follow, but doing so requires giving up control. It's your home, so, clumsy as you may be about filing paperwork, insist on being heard. Make sure everyone understands it is you who has suffered the loss. You have the right to decide on matters, not the insurance company adjuster. You decide who does the restoration and who does the repairs.

Third - Does it really take Two to Tango. While your insurance adjuster wants to remain in control and keep the money in the insurance company bank account, it takes two to tango. You have the right to disagree. You can negotiate. You can point out errors and omissions. If you want a fair insurance settlement, you need to get involved and you must be willing to be assertive. Otherwise, your insurance adjuster will sweep you off your feet and glide you across the dance floor, all according to his terms. Maybe you need a new partner. Someone who cares about you and not about the insurance company. Someone to support your position,-- A public Adjuster perhaps?

Four - Do the Hustle. Be prepared to do most of the work. Fire and Water damage claims often involve extensive damage and major losses. But guess who's responsible for documenting those losses? You are. Sure, your insurance adjuster will come in, snap a few photos, take a few notes and maybe bring with him his own partner, the "insurance company contractor". Company contractors love to do the hustle. That is all they know. They own that dance floor in their eyes. Why shouldn't they think so? They were brought to the dance by the company adjuster who is rolling out the red carpet for them? Why? Because they save the insurance company. In exchange they keep getting invited to the dance. But remember, be assertive, be positive, take charge. With the help of a public adjuster or if need be an attorney, you can be in control, you canprovide the company adjuster with proof of your losses, supported by dozens of photos and create a detailed list documenting every single item that was damaged or lost. Public adjusters assess the damages, create estimates and "work only for you, the owner of the business or property". Public Adjusters do not dance with the insurance company adjusters. They fight them. They fight them all day and night. They enjoy the fight because they love to the dance with the home owners. Public adjusters earn their living by serving the property owners not the insurance companies.

Five Mind if I cut in? Let the public adjuster cut in and take control, relieve you of the stress and take charge. Remember public adjusters report back to the property owners, not the insurance company. So it is the owner of the property that is then really controlling the dance. Statistics demonstrate it is financially wise to allow a public adjuster to handle the matters of insurance adjusting. Public insurance adjusters, such as the ones at Harris Insurance Claims Services are insurance expert who represents your interests and negotiate directly with your insurance companyfor your benefit.

If your property is damaged by fire or water strong consideration should be given to hire a or at a minimum discuss the matter with a qualified public adjuster. Harris Insurance Claims Services provides free consultations and have been dancing and fighting for the rights of property owners for decades. Knowledge is power. Take the time and understand the dance.


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Monday, January 16, 2012

Lyme Disease - How One Tick Bite Can Affect Your Health

Do you feel like something is going disastrously wrong with your body and nobody knows what the hell you are going through? You may be suffering from Lyme disease which is caused by Borrelia Burgdorferi and transmitted by ticks. One tick bite can be the reason of the disaster. But you may hardly notice it or even be unaware of tick bite because of its small size.

How long do you think it takes to recognize an new disease? 2 years? 10 years?

It took them 3 years to discover HIV disease; first observed in 1980 and recognized in 1983. So on average no less then 5 years sounds reasonable. Take a wild guess, how may years did it take for modern medical science to discover Lyme?

It was first medically determined as an illness by Reverend Dr. John Walker in 1764. It was 1982, when they found the bug itself - Borrelia Burgdorferi. And only then they confirmed, that it comes from the tick saliva. It took them 218 years to figure out what was going on. And they had modern equipment and resources.

How did it happen, that the HIV virus 120 nanometers in size was discovered 72 times faster, that the Lyme disease spirochete, which is 12,000 times bigger then the HIV virus - 10 micrometers in size?

If you look at it under the microscope, you will see snakes. The causative agent of Lyme disease Borrelia Burgdorferi looks like a snake, as well as syphilis. Somehow it was very difficult to identify those microorganisms that look like snakes.

Even though a lot of famous people, like Guy de Maupassant, Ivan the Terrible, Edouard Monet, Al Capone, Hitler, Mussolini, Cortez, Scott Joplin, Lord Randolf Churchill etc. were suffering from syphilis, it took them 419 years to find out what was going on. First time syphilis was described was in 1494: it was an outbreak among French troops, besieging Naples. It was 1913, when the cause of syphilis Treponema Pallidum was discovered. I was wondering why so many famous people were infected with syphilis. Were they promiscuous or were they getting inspiration from passion?

So what is common between Lyme disease and Syphilis, except that both of them are cause by snake like bugs? Why is it so difficult to deal with them? Because both of them are great imitators.

Do you think, if it is so difficult for scientists to identify Lyme, it is easy in the regular doctor's office? No, if you are not looking for it. However, if you are suspecting it then yes, it is easy.

Snakes are dangerous, sure. But if you know about the danger then you can protect yourself. If you see a snake approaching, you can run away or kill it. If you are bitten by it, you can always get and antiserum and eventually get well. But this is not the case when you deal with Lyme. It is poppy seed sized innocent looking tick, that bites you. Often you don't even know about it - not like snakes! The danger is not only because the tick is so small. It makes your skin numb so that you do not feel the bite. That is how smart it is. In fact, it is also a victim of the main problem - Borrelia Burgdorpheri. It is actually an pandemia among tics themselves: about 50% of them are infected. So if you are bitten by a tick, you have 50% chances, that is was infected. The scary thing is: besides Lyme you can get other serious illnesses from it like Babesiosis and Human Granulocytic Anaplasmosis.

Have you ever seen a bull's eye? That is how Lyme starts. First thing you might see what is called and described as a "bull's eye" lesion: the red ring with dark red sometimes indurated center inside at the tick bite site. Unfortunately it often goes unnoticed. Or you may never have rash.

Soon after initial invasion, Lyme disease starts to spread. It goes into the skin, causing rashes, muscles, tendons, joints, that causes pains. Also it goes into the heart and nervous system including brain. The result is devastating: you may experience myriad of disabling symptoms from dizziness, fatigue, depression, fibromyalgia, insomnia and palpitations to frank psychosis, heart block and paralysis.

Is there any remedy for this horrible disease? With the help of modern western medicine and with all its antibiotics there should be a remedy. And medical researchers came up with antibiotic regimens, that should kill the bug right away. It was the perfect time for them to declare victory. What they did not know was: Lyme disease would arise so many controversies and debates that even politicians would get involved. This almost never happened in medicine before.

So what seemed to be the problem?

If you buy a shirt or pants and you realize that it does not fit what do you do? You get another one or a full refund. Same thing happened with Lyme patients. Up to one third of Lyme patients were not getting better despite treatment. So they went to their doctors, saying, that additional treatment may be necessary. But antibiotics are expensive. So medical researches did 4 controlled double blind studies. Two of them showed benefits of long treatment, another two did not. So what did the official medicine do?

October 2007. The most respected US medical journal "New England Journal of Medicine" (NEJM) publishes the review, dedicated to "Chronic Lyme disease". Conclusion: not scientifically justified, no need for a long antibiotic treatment. But in 1999 the doctors leaded by Jarrno Oksi, from Turku University, Department of Medical Microbiology, Kiinamyllynkatu 13, FIN-20520, Turku, Finland, decided to really check what is going on and that is what they found: "We conclude that the treatment of Lyme Borreliosis with appropriate antibiotics for even more than 3 months may not always eradicate the spirochete (Borrelia Burgdorferi - SK) ". May be the reviewers from NEJM did not read this article? Or may be they did not think it was significant enough to change their minds?

Unfortunately that was not all.

Do you remember all your mosquito bites and pimples last summer? Of course not. 50% of patients could not remember a tick bite. Remember: it is like a poppy seed. About 50% of patients do not have typical bullseye rash or do not remember it. Therefore they were presenting with nonspecific symptoms, not suggestive of Lyme.

Sounds very simple: if you do not know what it is - get the blood test done! CDC recommends to do antibody detecting test called ELISA first, and then if it is positive, proceed with another antibody detecting immunologic test, called Western blot. What if the patient cannot make antibody? Or the genetic material is different from the local type, used to make the test? May be just the sensitivity of the tests is low?

What this means is: they may be testing you for Lyme, specific for your region, but you might get it somewhere else, which is different from they are testing for.

Think about it: if you have enough antibody to defend yourself, that can be detected, would you be sick? Much less likely, because your body is fighting. But what if your body could not defend itself? Cannot make antibodies to attack the bug? Or you produce too little? Then you get really sick, because you do not have a weapon to protect yourself. And the Lyme tests will be negative, so they cannot even officially diagnose you with Lyme. It is called seronegative Lyme disease. That is when you are really in trouble, because you are sick, but you tests are negative or equivocal. It is like being at gunpoint in front of the attacker. I wonder, how George W. Bush - the president of the United States - was treated, when he was diagnosed with what appeared to be Lyme in 2006? Was he getting 21 days of antibiotics, or for months? This is probably classified and will remain the mystery.

But why so many fights? Why they even had to make special laws in Connecticut and Rhode Island to protect doctors, who were doing what they believed was right for their patients - treating them according to their clinical judgment? Why nobody is so excited about how many days you may be treated for urinary tract infection, but everybody goes crazy about treatment of Lyme?

September 2006. North Carolina Court House. Unusual civil lawsuit was filed here. It was not a class action lawsuit against a large corporation we used to read about in the newspapers every day. It was just the opposite. A large health care insurance company Blue Cross and Blue Shield or North Carolina was suing a prominent doctor Joseph Jamsek, specializing in Lyme and HIV treatments, for a huge sum of 100 million dollars for insurance fraud. Apparently this doctor did not have a lot of money, because he had to go bankrupt. Not only because he could not pay 100 million dollars. Because he could not even afford to fight with the health insurance company. But what did he do? Did he steal money from insurance? No. Did he steal money from patients? No. Did he receive kickbacks? Not that they know of.

What he did was: he was treating his Lyme patients according to what he thought was right for them. He was treating his Lyme patients according to International Lyme And Associated Diseases Society (ILADS) recommendations. What the insurance company wanted him to do was to treat Lyme patients as per Infections Disease Society of America (IDSA) recommendations.

But what is the difference between two of them? Both are non for profit, both of them are made by doctors, both of them are not government branches. The difference is: IDSA recommended treatment is much much cheaper, then ILADS recommended. So which one the health insurance company prefer? And who do you think won?

But health insurance companies are not always that lucky.

2006. Connecticut. Attorney General's office. Mr. Richard Blumenthal is facing reelection in November 2006. This is the same Attorney General Richard Blumenthal, who was presenting himself as a Vietnam veteran, that did not match his military records as per New York Times. He is very well aware of the patient's rage because of insurances denial to pay for long Lyme treatment. He meets with the Lyme activists. This is not the first time he meets with them. In 1999 he initiated the hearings about insurance coverage for long term treatment for Lyme. At that time patients won. What about now?

Health Insurance companies denied payments for treatments because Infections Disease Society of America (IDSA) does not recommend prolonged treatment for Lyme. These recommendations are written by the IDSA panel of experts. And Attorney General Mr. Blumenthal looks for a motive. And here it is: 5 of the 14 panel members had undisclosed conflict of interests. Moreover IDSA had bias appointing the chairman, refused to accept the information about chronic Lyme disease, "blocked appointment of scientists and physicians with divergent views on chronic Lyme", etc.

You do not need more proof.

Despite evidence collected by Mr. Blumenthal, the investigation was closed in 2008 without any charges against IDSA. However, the IDSA promised to revise their recommendations for Lyme disease. And they issued their new recommendations in 2010. Do you think there were any changes? Not at all.

As per IDSA they spent close to 1 million dollars for revising guidelines and legal fees. I wonder where they got such a huge sum from? Who paid for this? Doctors? Somebody else?

But still live became easier for doctors and patients: in 2009 Connecticut and then Rhode Island passed the laws, protecting doctors from sanctions for long Lyme disease treatment.

What is the reason of such serious disagreement between to groups of Lyme experts: IDSA and ILADS? To me it is unlikely, that all the experts had bias. Because they became doctors to help people. This is the doctor's nature. Or may be the difference in opinions was used by health insurance companies to make more profit?

There is nothing wrong with the difference in opinions. This is human nature. It is like the difference between religion and science. Religion and Science have two very different views on things but the differences between the two of them does not mean, that either one of them is wrong.

Therefore IDSA has reasonable guide lines, based on the very strict Lyme diagnostic criteria. But ILADS makes a very strong point, that Lyme cannot be diagnosed by official criteria.

What if there is something else going on? May be it is not only Lyme? Or maybe we have a real problem with finding Lyme spirochete itself?

Look what the government is saying: according to CDC "During the 15-year study period, the number of cases reported increased 101%, from 9,908 cases in 1992 to 19,931 cases in 2006". And they are not trying to find out why?

Now forget about doctors and science, insurance companies and politicians. Use your common sense. How is it that in 15 years it increased 2 times? Did they start a food stamp program for ticks so that they could bite so many more people? Or may be they opened subsidized housing in the woods so that hungry ticks are now able to bite every person available? Not that I know of. It should be the opposite trend, because of awareness about Lyme. More people are using repellents, more people are avoiding woods, the government is deploying various measures. So is this silent epidemic a mystery?

Obviously there are no more ticks. Obviously there are probably less tick bites. The only plausible explanation of this rapid growth of Lyme is improving diagnosis. But if the growth is so fast, it means that our ability to diagnose it by lab tests are very poor. This is with all modern technology, Internet and supercomputers? Could there be one thing, that can explain Lyme elusive nature?

1684. Delft, Netherlands. All neighbors, customers and friends of the smart child of basket maker Antonie van Leeuwenhoek are amazed, how hardworking he is. Antonie is working days and nights to produce his invention - lenses. But what his friends, neighbors and customers did not know was: he was just pretending to be working. Because the secret technology of making lenses was very easy: he just put glass rods into the flame, pulled it apart, then put the small whiskers into the flame again. That is how he createed the small glass ball, which was in fact a high quality lens. He was afraid, that if everybody realized how easy it was, he would lose his business. But why did he make lenses?

To see what has never seen before - the bacteria kingdom. What he saw was so fascinating that he wrote to the Royal Society in London: "The number of these animicules in the scurf of a man's teeth are so many that I believe they exceed the number of men in a kingdom." What he was looking at was dental plague. What he did not realize was: he was the first man on earth who was looking at the biofilm. Do you brush your teeth? In fact what you are doing is - you remove biofilm from your teeth. What is this innocently looking monster?

Biofilm is where dangerous bacteria are hiding. They create a labyrinth of polymeric fibers on an appropriate surface with small holes and pockets, that are bacteria citadels. That is where they hide and cannot be detected by lab tests. That is where they cannot be hit by antibiotics. That is where they are waiting for better times to go out and hit again. That is why biofilms are so dangerous. Maybe they are rare and not significant in the everyday practice? In fact opposite is true.

Biofilms take place in 80% of all diseases. And Lyme is one of them. Lyme is not measles, not common cold, that is designed to hit fast and to spread to another person. Lyme is designed to live long time in the host - ticks, deers and may be humans. That is why it is so elusive. This is because Lyme is making biofilm and hiding in it! That is why sometimes it is not being identified in the blood tests! That is why it often does not respond to antibiotics! Want proof?

Dr. Eva Sapi, a professor of cellular and molecular biology at the University of New Haven, is doing cancer research. But suddenly she starts suffering from brain swelling. Clinically she had Lyme but her tests were negative. So she had to start her own research. What she along with Dr. McDonald found was: ticks bear other pathogens like mycoplasma along with Lyme spirochete. And they can be hiding in the Biofilms! I wonder why the revised 2010 year recommendations for Lyme disease management by Infections Disease Society of America (IDSA) do not say a word about such an important discovery. It was their expert's job to take this into consideration. Or may be they did not wanted to? What was the reason behind this? Looks like the experts of IDSA did not appreciate Dr. Sapi and Dr. McDonald's work. But the ordinary people did: they gave Oscar nomination for the movie "Under your skin" dedicated to Dr. Sapi and Dr. McDonald's work. They do deserve to be praised, because the fact, that Lyme is hiding in the biofilm can explain the treatment failures. So may be we should break the biofilm before treating Lyme?

Bottom line is simple:

1. If you were bitten by a tick and experienced rash - come for evaluation, because the sooner you get treatment - the higher your chances for recovery.

Even if you were not bitten by a tick, but had symptoms, suggestive of Lyme disease like rash, you may benefit from evaluation for Lyme anyway, because often tick bites are unrecognized.

Get better with Lyme treatment by taking antibiotics that hit the Lyme bugs in their hidden places, where they are hiding!

Disclaimer:

Opinions here do not reflect the opinion of American Boards of Medical Professions, FDA or other government agencies. This article is not intended to medically advise individuals and should only be used for informational purposes. In addition, this article is not intended to make any health statements. Please consult your primary physician before making any medical decisions.


0

Lyme Disease - How One Tick Bite Can Affect Your Health

Do you feel like something is going disastrously wrong with your body and nobody knows what the hell you are going through? You may be suffering from Lyme disease which is caused by Borrelia Burgdorferi and transmitted by ticks. One tick bite can be the reason of the disaster. But you may hardly notice it or even be unaware of tick bite because of its small size.

How long do you think it takes to recognize an new disease? 2 years? 10 years?

It took them 3 years to discover HIV disease; first observed in 1980 and recognized in 1983. So on average no less then 5 years sounds reasonable. Take a wild guess, how may years did it take for modern medical science to discover Lyme?

It was first medically determined as an illness by Reverend Dr. John Walker in 1764. It was 1982, when they found the bug itself - Borrelia Burgdorferi. And only then they confirmed, that it comes from the tick saliva. It took them 218 years to figure out what was going on. And they had modern equipment and resources.

How did it happen, that the HIV virus 120 nanometers in size was discovered 72 times faster, that the Lyme disease spirochete, which is 12,000 times bigger then the HIV virus - 10 micrometers in size?

If you look at it under the microscope, you will see snakes. The causative agent of Lyme disease Borrelia Burgdorferi looks like a snake, as well as syphilis. Somehow it was very difficult to identify those microorganisms that look like snakes.

Even though a lot of famous people, like Guy de Maupassant, Ivan the Terrible, Edouard Monet, Al Capone, Hitler, Mussolini, Cortez, Scott Joplin, Lord Randolf Churchill etc. were suffering from syphilis, it took them 419 years to find out what was going on. First time syphilis was described was in 1494: it was an outbreak among French troops, besieging Naples. It was 1913, when the cause of syphilis Treponema Pallidum was discovered. I was wondering why so many famous people were infected with syphilis. Were they promiscuous or were they getting inspiration from passion?

So what is common between Lyme disease and Syphilis, except that both of them are cause by snake like bugs? Why is it so difficult to deal with them? Because both of them are great imitators.

Do you think, if it is so difficult for scientists to identify Lyme, it is easy in the regular doctor's office? No, if you are not looking for it. However, if you are suspecting it then yes, it is easy.

Snakes are dangerous, sure. But if you know about the danger then you can protect yourself. If you see a snake approaching, you can run away or kill it. If you are bitten by it, you can always get and antiserum and eventually get well. But this is not the case when you deal with Lyme. It is poppy seed sized innocent looking tick, that bites you. Often you don't even know about it - not like snakes! The danger is not only because the tick is so small. It makes your skin numb so that you do not feel the bite. That is how smart it is. In fact, it is also a victim of the main problem - Borrelia Burgdorpheri. It is actually an pandemia among tics themselves: about 50% of them are infected. So if you are bitten by a tick, you have 50% chances, that is was infected. The scary thing is: besides Lyme you can get other serious illnesses from it like Babesiosis and Human Granulocytic Anaplasmosis.

Have you ever seen a bull's eye? That is how Lyme starts. First thing you might see what is called and described as a "bull's eye" lesion: the red ring with dark red sometimes indurated center inside at the tick bite site. Unfortunately it often goes unnoticed. Or you may never have rash.

Soon after initial invasion, Lyme disease starts to spread. It goes into the skin, causing rashes, muscles, tendons, joints, that causes pains. Also it goes into the heart and nervous system including brain. The result is devastating: you may experience myriad of disabling symptoms from dizziness, fatigue, depression, fibromyalgia, insomnia and palpitations to frank psychosis, heart block and paralysis.

Is there any remedy for this horrible disease? With the help of modern western medicine and with all its antibiotics there should be a remedy. And medical researchers came up with antibiotic regimens, that should kill the bug right away. It was the perfect time for them to declare victory. What they did not know was: Lyme disease would arise so many controversies and debates that even politicians would get involved. This almost never happened in medicine before.

So what seemed to be the problem?

If you buy a shirt or pants and you realize that it does not fit what do you do? You get another one or a full refund. Same thing happened with Lyme patients. Up to one third of Lyme patients were not getting better despite treatment. So they went to their doctors, saying, that additional treatment may be necessary. But antibiotics are expensive. So medical researches did 4 controlled double blind studies. Two of them showed benefits of long treatment, another two did not. So what did the official medicine do?

October 2007. The most respected US medical journal "New England Journal of Medicine" (NEJM) publishes the review, dedicated to "Chronic Lyme disease". Conclusion: not scientifically justified, no need for a long antibiotic treatment. But in 1999 the doctors leaded by Jarrno Oksi, from Turku University, Department of Medical Microbiology, Kiinamyllynkatu 13, FIN-20520, Turku, Finland, decided to really check what is going on and that is what they found: "We conclude that the treatment of Lyme Borreliosis with appropriate antibiotics for even more than 3 months may not always eradicate the spirochete (Borrelia Burgdorferi - SK) ". May be the reviewers from NEJM did not read this article? Or may be they did not think it was significant enough to change their minds?

Unfortunately that was not all.

Do you remember all your mosquito bites and pimples last summer? Of course not. 50% of patients could not remember a tick bite. Remember: it is like a poppy seed. About 50% of patients do not have typical bullseye rash or do not remember it. Therefore they were presenting with nonspecific symptoms, not suggestive of Lyme.

Sounds very simple: if you do not know what it is - get the blood test done! CDC recommends to do antibody detecting test called ELISA first, and then if it is positive, proceed with another antibody detecting immunologic test, called Western blot. What if the patient cannot make antibody? Or the genetic material is different from the local type, used to make the test? May be just the sensitivity of the tests is low?

What this means is: they may be testing you for Lyme, specific for your region, but you might get it somewhere else, which is different from they are testing for.

Think about it: if you have enough antibody to defend yourself, that can be detected, would you be sick? Much less likely, because your body is fighting. But what if your body could not defend itself? Cannot make antibodies to attack the bug? Or you produce too little? Then you get really sick, because you do not have a weapon to protect yourself. And the Lyme tests will be negative, so they cannot even officially diagnose you with Lyme. It is called seronegative Lyme disease. That is when you are really in trouble, because you are sick, but you tests are negative or equivocal. It is like being at gunpoint in front of the attacker. I wonder, how George W. Bush - the president of the United States - was treated, when he was diagnosed with what appeared to be Lyme in 2006? Was he getting 21 days of antibiotics, or for months? This is probably classified and will remain the mystery.

But why so many fights? Why they even had to make special laws in Connecticut and Rhode Island to protect doctors, who were doing what they believed was right for their patients - treating them according to their clinical judgment? Why nobody is so excited about how many days you may be treated for urinary tract infection, but everybody goes crazy about treatment of Lyme?

September 2006. North Carolina Court House. Unusual civil lawsuit was filed here. It was not a class action lawsuit against a large corporation we used to read about in the newspapers every day. It was just the opposite. A large health care insurance company Blue Cross and Blue Shield or North Carolina was suing a prominent doctor Joseph Jamsek, specializing in Lyme and HIV treatments, for a huge sum of 100 million dollars for insurance fraud. Apparently this doctor did not have a lot of money, because he had to go bankrupt. Not only because he could not pay 100 million dollars. Because he could not even afford to fight with the health insurance company. But what did he do? Did he steal money from insurance? No. Did he steal money from patients? No. Did he receive kickbacks? Not that they know of.

What he did was: he was treating his Lyme patients according to what he thought was right for them. He was treating his Lyme patients according to International Lyme And Associated Diseases Society (ILADS) recommendations. What the insurance company wanted him to do was to treat Lyme patients as per Infections Disease Society of America (IDSA) recommendations.

But what is the difference between two of them? Both are non for profit, both of them are made by doctors, both of them are not government branches. The difference is: IDSA recommended treatment is much much cheaper, then ILADS recommended. So which one the health insurance company prefer? And who do you think won?

But health insurance companies are not always that lucky.

2006. Connecticut. Attorney General's office. Mr. Richard Blumenthal is facing reelection in November 2006. This is the same Attorney General Richard Blumenthal, who was presenting himself as a Vietnam veteran, that did not match his military records as per New York Times. He is very well aware of the patient's rage because of insurances denial to pay for long Lyme treatment. He meets with the Lyme activists. This is not the first time he meets with them. In 1999 he initiated the hearings about insurance coverage for long term treatment for Lyme. At that time patients won. What about now?

Health Insurance companies denied payments for treatments because Infections Disease Society of America (IDSA) does not recommend prolonged treatment for Lyme. These recommendations are written by the IDSA panel of experts. And Attorney General Mr. Blumenthal looks for a motive. And here it is: 5 of the 14 panel members had undisclosed conflict of interests. Moreover IDSA had bias appointing the chairman, refused to accept the information about chronic Lyme disease, "blocked appointment of scientists and physicians with divergent views on chronic Lyme", etc.

You do not need more proof.

Despite evidence collected by Mr. Blumenthal, the investigation was closed in 2008 without any charges against IDSA. However, the IDSA promised to revise their recommendations for Lyme disease. And they issued their new recommendations in 2010. Do you think there were any changes? Not at all.

As per IDSA they spent close to 1 million dollars for revising guidelines and legal fees. I wonder where they got such a huge sum from? Who paid for this? Doctors? Somebody else?

But still live became easier for doctors and patients: in 2009 Connecticut and then Rhode Island passed the laws, protecting doctors from sanctions for long Lyme disease treatment.

What is the reason of such serious disagreement between to groups of Lyme experts: IDSA and ILADS? To me it is unlikely, that all the experts had bias. Because they became doctors to help people. This is the doctor's nature. Or may be the difference in opinions was used by health insurance companies to make more profit?

There is nothing wrong with the difference in opinions. This is human nature. It is like the difference between religion and science. Religion and Science have two very different views on things but the differences between the two of them does not mean, that either one of them is wrong.

Therefore IDSA has reasonable guide lines, based on the very strict Lyme diagnostic criteria. But ILADS makes a very strong point, that Lyme cannot be diagnosed by official criteria.

What if there is something else going on? May be it is not only Lyme? Or maybe we have a real problem with finding Lyme spirochete itself?

Look what the government is saying: according to CDC "During the 15-year study period, the number of cases reported increased 101%, from 9,908 cases in 1992 to 19,931 cases in 2006". And they are not trying to find out why?

Now forget about doctors and science, insurance companies and politicians. Use your common sense. How is it that in 15 years it increased 2 times? Did they start a food stamp program for ticks so that they could bite so many more people? Or may be they opened subsidized housing in the woods so that hungry ticks are now able to bite every person available? Not that I know of. It should be the opposite trend, because of awareness about Lyme. More people are using repellents, more people are avoiding woods, the government is deploying various measures. So is this silent epidemic a mystery?

Obviously there are no more ticks. Obviously there are probably less tick bites. The only plausible explanation of this rapid growth of Lyme is improving diagnosis. But if the growth is so fast, it means that our ability to diagnose it by lab tests are very poor. This is with all modern technology, Internet and supercomputers? Could there be one thing, that can explain Lyme elusive nature?

1684. Delft, Netherlands. All neighbors, customers and friends of the smart child of basket maker Antonie van Leeuwenhoek are amazed, how hardworking he is. Antonie is working days and nights to produce his invention - lenses. But what his friends, neighbors and customers did not know was: he was just pretending to be working. Because the secret technology of making lenses was very easy: he just put glass rods into the flame, pulled it apart, then put the small whiskers into the flame again. That is how he createed the small glass ball, which was in fact a high quality lens. He was afraid, that if everybody realized how easy it was, he would lose his business. But why did he make lenses?

To see what has never seen before - the bacteria kingdom. What he saw was so fascinating that he wrote to the Royal Society in London: "The number of these animicules in the scurf of a man's teeth are so many that I believe they exceed the number of men in a kingdom." What he was looking at was dental plague. What he did not realize was: he was the first man on earth who was looking at the biofilm. Do you brush your teeth? In fact what you are doing is - you remove biofilm from your teeth. What is this innocently looking monster?

Biofilm is where dangerous bacteria are hiding. They create a labyrinth of polymeric fibers on an appropriate surface with small holes and pockets, that are bacteria citadels. That is where they hide and cannot be detected by lab tests. That is where they cannot be hit by antibiotics. That is where they are waiting for better times to go out and hit again. That is why biofilms are so dangerous. Maybe they are rare and not significant in the everyday practice? In fact opposite is true.

Biofilms take place in 80% of all diseases. And Lyme is one of them. Lyme is not measles, not common cold, that is designed to hit fast and to spread to another person. Lyme is designed to live long time in the host - ticks, deers and may be humans. That is why it is so elusive. This is because Lyme is making biofilm and hiding in it! That is why sometimes it is not being identified in the blood tests! That is why it often does not respond to antibiotics! Want proof?

Dr. Eva Sapi, a professor of cellular and molecular biology at the University of New Haven, is doing cancer research. But suddenly she starts suffering from brain swelling. Clinically she had Lyme but her tests were negative. So she had to start her own research. What she along with Dr. McDonald found was: ticks bear other pathogens like mycoplasma along with Lyme spirochete. And they can be hiding in the Biofilms! I wonder why the revised 2010 year recommendations for Lyme disease management by Infections Disease Society of America (IDSA) do not say a word about such an important discovery. It was their expert's job to take this into consideration. Or may be they did not wanted to? What was the reason behind this? Looks like the experts of IDSA did not appreciate Dr. Sapi and Dr. McDonald's work. But the ordinary people did: they gave Oscar nomination for the movie "Under your skin" dedicated to Dr. Sapi and Dr. McDonald's work. They do deserve to be praised, because the fact, that Lyme is hiding in the biofilm can explain the treatment failures. So may be we should break the biofilm before treating Lyme?

Bottom line is simple:

1. If you were bitten by a tick and experienced rash - come for evaluation, because the sooner you get treatment - the higher your chances for recovery.

Even if you were not bitten by a tick, but had symptoms, suggestive of Lyme disease like rash, you may benefit from evaluation for Lyme anyway, because often tick bites are unrecognized.

Get better with Lyme treatment by taking antibiotics that hit the Lyme bugs in their hidden places, where they are hiding!

Disclaimer:

Opinions here do not reflect the opinion of American Boards of Medical Professions, FDA or other government agencies. This article is not intended to medically advise individuals and should only be used for informational purposes. In addition, this article is not intended to make any health statements. Please consult your primary physician before making any medical decisions.


0