Some typical features of a direct reimbursement plan:

* Some typical features of a direct reimbursement plan:
* Neither you nor your employer pay monthly premiums
* Freedom to choose any individual or family dental office
* Typical employer cost: depends on the number of employees and
* Benefit caps
* Benefits usually capped at $500 to $2,000 annually.

Saving money whenever possible is always nice. So in order to help you do that with your motorcycle insurance here are some factors that can help you reduce your insurance cost. (Note: not all insurance companies offer these discount or not all discount are available in all states. Check with your insurance agent to make sure you are receiving all the discount possible)

There are many factors that can play a role in determining what your insurance costs, such as your age, your driving record, where you live and the type of motorcycle you own, or being a graduate of a rider-training course.

* Many insurance companies do offer discounts to graduates of training courses, such as the Motorcycle Safety Foundation (MSF) rider course. This is particularly useful for riders under the age of 25, usually considered a higher risk. It is also a good idea for riders who have already had accidents.

* Just like vehicle insurance by maintaining a good driving record with no violations it will also help reduce your motorcycle insurance premiums.

* In many northern states, riders may save money by buying a “lay-up” policy. With a lay-up policy, all coverage except comprehensive is suspended during the winter months when the bike is not being used.

* Multi-bike discounts can deliver savings to riders insuring more than one bike.

* Members of motorcycle clubs or other associations may be eligible for organization discounts.

* Some insurance companies offer mature rider discounts, which can help experienced riders save money.

* Multi policy discount. Often times insurance companies do not just insurance one line of insurance.  Therefore if you own an car think about having your vehicle insurance though the same company as your motorcycle insurance to receive a multi policy discount.  This can also be done if you own a home, rent (renters insurance), have recreational vehicle such as a boat etc. So make sure to talk to your insurance agent and see if they offer such a discount then go over your other insurance needs.

Other things to keep in mind are the type, style (e.g. sport bike, cruiser, custom) and age of the motorcycle, as well as the number of miles you ride a year, and where you store your bike may also affect your insurance premiums.

Uninsured/underinsured motorist coverage for a motorcycle is the same as for a vehicle. However if you do ride a motorcycle give serious thought to having UM/UIM coverage’s on your policy even if it is not required by your state.

Uninsured/underinsured Motorist (UM/UIM) coverage covers damages to you and/or your property caused by another driver who either doesn’t have insurance (uninsured) or doesn’t have adequate insurance (underinsured).

This coverage typically pays for medical treatment, lost wages and other damages. In some cases your UM/UIM coverage includes property damage—check  with your insurance professional to see if property damage is included or needs to be purchased separately.

New York lawmakers are looking at a bill that would allow police to use a piece of technology to see if a phone was in use during an accident. The device is called a textalyzer, a spin on the breathalyzer used by police in DUI charges, according Engadget. An Iserali company called Cellebrite already has a roadside device that can read cellphones, though different companies would be allowed to bid on having their technology used. Cellebrite is the company rumored to have assisted with federal agents’ attempt to break open the iPhone belonging to the San Bernardino shooter, reports Ars Technica.

The unprecedented piece of legislation would require drivers who have recently been in a crash to submit their cell phones to police for testing. The textalyzer wouldn’t be able to read contacts or content, such as what you write in your texts, but it would tell the cops if the phone was in use before the crash. Lobbying group Distracted Operators Risk Casualties pushed for the new law

Your auto policy will cover you and other family members on your policy, whether driving your insured car or someone else’s car with permission. Your policy also provides coverage if someone not on your policy is driving your car with your consent. All household members of driving age must be added to your auto insurance policy.  Some companies will let you wave your minor from the plans with a signed exclusion.

Your personal auto policy only covers personal driving, whether you are commuting to work, running errands or taking a trip. Your personal auto policy, however, will not provide coverage if you use your car for commercial purposes—for instance, if you deliver pizzas or operate a delivery service. In addition, personal auto insurance will generally not provide coverage if you use your car to provide transportation to others through a ride-sharing service such as Uber or Lyft. Some auto insurers, however, are now offering supplemental insurance products (at additional cost) that extend coverage for vehicle owners providing ride-sharing services. Make sure to ask your auto insurance agent about additional coverage if needed.

A dental insurance care plan now coming into vogue is the direct reimbursement plan. This is a self-funded benefit plan — not insurance — in which an employer pays for dental care with its own funds, rather than paying premiums to an insurance company or third-party administrator.

You, the patient, pay the full amount directly to the individual or family dentist who accepts dental insurance, then get a receipt detailing services rendered and the cost, which you show to your employer. The employer reimburses you for part or all of the dental insurance costs, depending on your specific benefits.

Your company might reimburse 100 percent of your first $100 of dental expenses and then 80 percent of the next $500, and 50 percent of the next $2,000, with a total annual maximum benefit of $1,500. Or it might reimburse only 50 percent of your first $1,000, resulting in a $500 yearly cap.

To cover damage to your own vehicle, you need to purchase the following optional auto insurance coverage’s. Further more while Comp/Coll coverage’s fall under an optional coverage you may still be required to have these coverage’s by your lender if you are leasing or making payment on your car.

* Collision:  Collision coverage reimburses you for damage to your car that occurs as a result of a collision with another vehicle or other object—e.g., a tree or guardrail—when you’re at fault. While collision coverage will not reimburse you for mechanical failure or normal wear-and-tear on your car, it will cover damage from potholes or from rolling your car.

* Comprehensive: Comprehensive coverage provides against theft and damage caused by an incident other than a collision, such as fire, flood, vandalism, hail, falling rocks or trees and other hazards.

* Glass Coverage—Windshield damage is common, and some auto policies include no-deductible glass coverage, which also includes side windows, rear windows and glass sunroofs. Or you can buy supplemental glass coverage.

Many states require that you carry the following coverage’s on your vehicle

* Medical Payments or Personal Injury Protection—Provides reimbursement for medical expenses for injuries to you or your passengers. It will also cover lost wages and other related expenses.

* Uninsured Motorist Coverage—Reimburses you when an accident is caused by an uninsured motorist—or in the case of a hit-and-run. You can also purchase underinsured motorist coverage, which will cover costs when another driver lacks adequate coverage to pay the costs of a serious accident.

Even if these types of coverage are optional in your state, consider adding them to your policy for greater financial protection.

Ignition locks that incorporate an alcohol detector are being developed around the world, to combat drunk driving. Honda and Hitachi have fitted the breathalyzer inside an vehicle smart key to make testing more convenient.

Dale Earnhardt Jr., driver of the No. 88 Chevrolet SS, will miss the remainder of the 2016 NASCAR Sprint Cup season. According to a statement from Hendrick Motorsport, Earnhardt has not yet been medically cleared to drive. Earnhardt has already missed six Sprint Cup races in 2016 due to a concussion he suffered in June.

Finding the right value in dental insurance or dental plans is an important step in purchasing dental coverage for you and your family. Both types of dental plans have advantages and disadvantages and one size does not fit everyone.

Keeping this in mind is an important rule when you shop for the dental plan that best fits your needs. We sell both individual and family dental insurance and dental discount plans throughout all 50 states. Here are some brief examples that may help you decide

General Motors will recall 895,232 examples of the 2014-2015 Chevrolet Silverado and GMC Sierra 1500 pickups in the US. The campaign will also affect the trucks in markets worldwide, and the total number the company will recall is 1,037,982.

The Problem: A steel cable connects the seatbelt to the vehicle, but over time repeated bending can cause the part to fatigue and separate

Dental Plan Decisions

The dental plan decision making process is not an easy task when purchasing coverage for yourself, family, business, or your employees. There are many dental plan decisions to make. Such dental insurance decisions include considering a PPO (Preferred Provider Organizations), HMO (Health Maintenance Organization), dental indemnity insurance plans, and discount dental plans.

Idyllic Halifax was a small fishing city of about a quarter-million in the early 1960s when Volvo arrived and became the first import brand to build cars en masse in North America. American consumers on the East Coast developed a fondness for the Volvo Amazon line in the late 1950s, leading Volvo to seek out a plant in the Americas.

Halifax ponied up incentives, allowing Volvo to take advantage of a pact eliminating tariffs on cars built and exported between the United States and Canada. Volvo built cars there until the end of 1998, when it said its facility was no longer viable compared to larger factories in Europe.

What is PPO Dental Insurance Plans?

PPO (Preferred Provider Organizations) is a network of dentist under contact with a dental insurance company which provides special rates on dental care; but the insured has an option to choose a dental care provider outside the network of dentists.

Generally the PPO dental insurance plans are higher premiums and there are claims forms to be completed by the dental client.