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Request Higher Deductibles
The deductible is the amount of money a driver will need to pay on a claim before the insurance company begins paying the rest. If you are in a good situation financially, asking your insurance company to raise your deductible can lower your monthly payments and lead to cheap auto insurance rates. Depending on how high you are willing to raise your deductible, your insurance premiums could be lowered by 15-40 percent. It is recommended that a driver set aside money to pay a higher deductible in case they need to file a claim.
Atlas America is a comprehensive visitors health insurance for all non-US citizens traveling outside their home country and if their travel includes USA. If your relatives are visiting USA, Atlas America is an excellent visitors health insurance.
Atlas America visitors health insurance is a part of Atlas Series travel medical insurance and is offered by HCC Medical Insurance Services (HCCMIS). Atlas America visitors health insurance is underwritten by Lloyds and it is rated A "Excellent" by A.M. Best.
Atlas America is available for any duration from 5 days to 364 days. You can purchase Atlas America insurance online on this website or by completing a paper application and sending it by mail or fax. If you purchase online, you will receive a renewal notice in the email, 2 weeks before its expiration. You can renew online at that time or you can call us.
Atlas America visitors health insurance participates in First Health/PHCS PPO network which is a very wide network of physicians, hospitals and other providers all across USA. When you visit the provider in the network, they would generally bill the insurance company directly and charge you only the network negotiated fees which are typically lower than their regular fees.
Atlas America visitors health insurance brochure provides the details of coverage and exclusions. Atlas America visitors health insurance provides instant quotes and you can make instant purchase with a credit card payment. There is no medical exam needed. You require date of birth, passport number, name and travel dates of the traveler.
Request Higher Deductibles
The deductible is the amount of money a driver will need to pay on a claim before the insurance company begins paying the rest. If you are in a good situation financially, asking your insurance company to raise your deductible can lower your monthly payments and lead to cheap auto insurance rates. Depending on how high you are willing to raise your deductible, your insurance premiums could be lowered by 15-40 percent. It is recommended that a driver set aside money to pay a higher deductible in case they need to file a claim.
Atlas America is a comprehensive visitors health insurance for all non-US citizens traveling outside their home country and if their travel includes USA. If your relatives are visiting USA, Atlas America is an excellent visitors health insurance.
Atlas America visitors health insurance is a part of Atlas Series travel medical insurance and is offered by HCC Medical Insurance Services (HCCMIS). Atlas America visitors health insurance is underwritten by Lloyds and it is rated A "Excellent" by A.M. Best.
Atlas America is available for any duration from 5 days to 364 days. You can purchase Atlas America insurance online on this website or by completing a paper application and sending it by mail or fax. If you purchase online, you will receive a renewal notice in the email, 2 weeks before its expiration. You can renew online at that time or you can call us.
Atlas America visitors health insurance participates in First Health/PHCS PPO network which is a very wide network of physicians, hospitals and other providers all across USA. When you visit the provider in the network, they would generally bill the insurance company directly and charge you only the network negotiated fees which are typically lower than their regular fees.
Atlas America visitors health insurance brochure provides the details of coverage and exclusions. Atlas America visitors health insurance provides instant quotes and you can make instant purchase with a credit card payment. There is no medical exam needed. You require date of birth, passport number, name and travel dates of the traveler.
Request Higher Deductibles
The deductible is the amount of money a driver will need to pay on a claim before the insurance company begins paying the rest. If you are in a good situation financially, asking your insurance company to raise your deductible can lower your monthly payments and lead to cheap auto insurance rates. Depending on how high you are willing to raise your deductible, your insurance premiums could be lowered by 15-40 percent. It is recommended that a driver set aside money to pay a higher deductible in case they need to file a claim.
General Texas Insurance Guidelines
The State of Texas currently requires that all drivers be covered under liability insurance. Proof of insurance must always be accessible in the vehicle. Texas drivers are required to show their insurance info when requested by an officer, involved in an accident, registering a vehicle or renewing a registration, obtaining or renewing a drivers license, or getting a car inspected.
Minimum Liability Coverage in Texas
The State of Texas minimum liability amounts are as follows:
$30,000 bodily injury per person.
$60,000 total bodily injury per accident.
$25,000 total property damage per accident.
These are only the minimum requirements set by the state. Experts advise protecting your assets by getting more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their policies to cover possible damage to their own cars as well.
Penalties for Driving without Insurance
The penalties for driving without insurance in Texas are:
First conviction: fine of $175 - $350
More convictions: fines of $350 - $1,000, license suspension, and vehicle impoundment
Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a driver if they get in an accident where the other party does not have auto insurance. Texas does not require UM/UIM coverage.
No-Fault Insurance
Some states have “No-Fault” laws where a policy holder will be reimbursed by their insurance company without proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by other parties. Texas is not a “No-Fault” state.
Personal Injury Protection (PIP)
Some states have Personal Injury Protection or “PIP” regulations requiring drivers to carry PIP insurance. This is an extension of auto insurance that covers medical expenses, lost wages and/or other damages. Texas does not require drivers to purchase PIP insurance.
SR-22 Requirements for Texas
An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without insurance. Texas requires an SR-22 filing for driver’s license reinstatement.
Texas DUI Laws
It is illegal to operate a motor vehicle in the United States with a BAC (Blood Alcohol Content) level of 0.08% or higher. All states have driver licensing laws that state that a licensed driver has given implied consent to a field sobriety test and/or method of determining BAC. This means that a driver is required to take such tests if a law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to comply. If BAC is determined to be above the legal level a driver will be penalized in various ways. The first DUI offense penalties for Texas are:
72 hours to 180 days imprisonment
180 days to 2 years imprisonemt if minor under 15 in vehicle
90 days to 1 year license suspension
Up to $2,000 fine
Up to $10,000 fine if minor under 15 in vehicle
$1,000 DUI surcharge per year for 3 years
$2,000 DUI surcharge per year for 3 years if BAC is 0.16% +
Additional Information on Insurance for Texas
For more information, please contact Texas Department of Insurance: 1-800-252-3439 or visit their website at www.tdi.state.tx.us.
Request Higher Deductibles
The deductible is the amount of money a driver will need to pay on a claim before the insurance company begins paying the rest. If you are in a good situation financially, asking your insurance company to raise your deductible can lower your monthly payments and lead to cheap auto insurance rates. Depending on how high you are willing to raise your deductible, your insurance premiums could be lowered by 15-40 percent. It is recommended that a driver set aside money to pay a higher deductible in case they need to file a claim.
General Texas Insurance Guidelines
The State of Texas currently requires that all drivers be covered under liability insurance. Proof of insurance must always be accessible in the vehicle. Texas drivers are required to show their insurance info when requested by an officer, involved in an accident, registering a vehicle or renewing a registration, obtaining or renewing a drivers license, or getting a car inspected.
Minimum Liability Coverage in Texas
The State of Texas minimum liability amounts are as follows:
$30,000 bodily injury per person.
$60,000 total bodily injury per accident.
$25,000 total property damage per accident.
These are only the minimum requirements set by the state. Experts advise protecting your assets by getting more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their policies to cover possible damage to their own cars as well.
Penalties for Driving without Insurance
The penalties for driving without insurance in Texas are:
First conviction: fine of $175 - $350
More convictions: fines of $350 - $1,000, license suspension, and vehicle impoundment
Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a driver if they get in an accident where the other party does not have auto insurance. Texas does not require UM/UIM coverage.
No-Fault Insurance
Some states have “No-Fault” laws where a policy holder will be reimbursed by their insurance company without proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by other parties. Texas is not a “No-Fault” state.
Personal Injury Protection (PIP)
Some states have Personal Injury Protection or “PIP” regulations requiring drivers to carry PIP insurance. This is an extension of auto insurance that covers medical expenses, lost wages and/or other damages. Texas does not require drivers to purchase PIP insurance.
SR-22 Requirements for Texas
An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without insurance. Texas requires an SR-22 filing for driver’s license reinstatement.
Texas DUI Laws
It is illegal to operate a motor vehicle in the United States with a BAC (Blood Alcohol Content) level of 0.08% or higher. All states have driver licensing laws that state that a licensed driver has given implied consent to a field sobriety test and/or method of determining BAC. This means that a driver is required to take such tests if a law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to comply. If BAC is determined to be above the legal level a driver will be penalized in various ways. The first DUI offense penalties for Texas are:
72 hours to 180 days imprisonment
180 days to 2 years imprisonemt if minor under 15 in vehicle
90 days to 1 year license suspension
Up to $2,000 fine
Up to $10,000 fine if minor under 15 in vehicle
$1,000 DUI surcharge per year for 3 years
$2,000 DUI surcharge per year for 3 years if BAC is 0.16% +
Additional Information on Insurance for Texas
For more information, please contact Texas Department of Insurance: 1-800-252-3439 or visit their website at www.tdi.state.tx.us.
Request Higher Deductibles
The deductible is the amount of money a driver will need to pay on a claim before the insurance company begins paying the rest. If you are in a good situation financially, asking your insurance company to raise your deductible can lower your monthly payments and lead to cheap auto insurance rates. Depending on how high you are willing to raise your deductible, your insurance premiums could be lowered by 15-40 percent. It is recommended that a driver set aside money to pay a higher deductible in case they need to file a claim.
Drop Unnecessary Coverage
Do some analysis of your vehicle, mileage, and financial situation. If you have an older vehicle, comprehensive or collision coverage might not make sense financially, especially if it costs more than the value of the car. Do some research on the sale value of your car, and make sure you are not paying more for insurance than you'd receive for a claim if the car were totaled. This can lower your car insurance bill significantly.
Some Cars Cost More to Insure
When purchasing a car, take into account that some cars are more expensive to insure than others. One attribute that can affect a vehicles insurance cost is how often cars of that type are stolen or targeted with a radar gun. Models that are frequently stolen or pulled over are called "high-profile" cars, and are usually expensive or flashy. Other attributes that can affect cheap car insurance rates are safety features. Cars with airbags, automatic seat belts, antilock brakes and other safety features are cheaper to insure, and safer to drive! Insurers also take into account the repair costs of certain car models, so it is important to consider buying a car with cheap and easily available parts. Before purchasing any car, talk with your insurance agent so you won't be unpleasantly surprised by expensive insurance.
Buy Multiple Policies from the Same Insurer
Many insurance companies offer multiple types of cheap insurance policies. They often offer discounts to policyholders who buy multiple policies from them for different things. If you have a homeowner's policy in place, consider asking the insurer if they offer auto insurance and provide discounts for buying both policies from them. This is a common discount and could save you significant money on both policies.
Low-Mileage Discounts
Consider your mileage over the past few years. If you just drive around town, and put few miles on your vehicle, you may qualify for a low-mileage discount. Many insurance companies will charge significantly less if a policyholder drives less than a set number of miles per year. Make sure to tell your insurance agent if you think you qualify for a low-mileage discount.
Safe Driver Discounts
Many insurance companies offer discounts for safe drivers, and there are multiple ways to qualify for this discount. Insurance companies often take your driving record into account, and if you have a clean record (no violations, DUIs, accidents) you will be eligible for a discount. Drive carefully; if you acquire tickets or get in an accident, your rates will increase. If you complete a defensive driving course and provide proof of this to your insurer, you may be able to get a 5% to 10% discount. More and more insurance companies are now using "telematics" or "black boxes" which you can opt to have installed in your vehicle to monitor your driving habits. If you drive safely with one of these units installed, the insurance company will reduce the cost of your car insurance. It is not recommended to have these installed unless you are confident in your safe driving skills.
Low-Risk Occupations
Insurance companies have statistical data that shows them what types of people get into accidents. One of the attributes they look at is occupation, and they know that people with certain jobs get into more accidents than others. Certain jobs, engineers, teachers and doctors, have a lower accident rate, and insurers may offer discounts to people with those professions. Make sure you keep your insurer up-to-date with regards to your occupation, and ask them if you are eligible for a discount.
Group Membership Discounts
If you are a member of a group, such as a credit union, AAA, alumni association or employee of certain companies, you may qualify for a discount from certain auto insurance companies. Some financial institutions make deals with insurance companies, offering them more customers in exchange for discounts. Check with your bank or credit union to see if they have any of these offers. AAA also has partnerships with many insurers; customers can save 15% by being a AAA member. Schools and companies may also have these types of offers, so check with any group you belong to and see if you can save money through them!
Maintain Good Credit
Statistics show that drivers with good credit records tend to make fewer insurance claims, so insurers often adjust prices based on credit scores. When insurance companies take credit reports into account, they usually place more importance on how consistently a driver pays their bills; as opposed to the overall debt that driver carries. States usage of credit-data varies, but sometimes a bad credit score can increase a driver's payment by as much as 40%. Obtain your credit report and learn how to improve your credit score, it can save you a lot of money.
Shop Around
Every insurance company is different, and just because your neighbor got a good deal from his doesn't mean it's the best company for you. When looking for a new policy, get at least three quotes. Insurance companies often specialize in policies for certain types of drivers, so make sure you find a company that caters to your needs. Direct agents often have the best deals for good drivers, but if you've had a recent accident a major provider might be a better option. Be wary of substandard companies; check their ratings with groups like A.M. Best or Standard & Poor's. There are also some useful online services that can help you find the best deals on car insurance. Shopping around can lead to great savings, and is worth the time.
We have all unfortunately heard tragic stories or seen people collecting for widows and orphans. Whilst no policy can ease the sorrow of losing a loved one, a simple life insurance policy can at least ease the financial burden that comes with such a loss. Setting up a plan is usually very straight forward. There is no “grey area". Someone is either "alive" or not. The most important part of the
process is choosing which type of life insurance and sums insured best suit your family’s needs. It is the procrastination or the "it won't happen to me" attitude that can cause the biggest stumbling block.
Here are a few important things to consider:
People who come on Aliya or choose to study long term in Israel, and who come with existing insurance plans from their country of origin often think, “I have life insurance. I know I am covered!” Unfortunately this may not always be the case. You should check the following:
a. Will the policy pay out now that you are no longer a resident in your original country of origin? It is futile paying premiums if the policy will not pay out in Israel.
b. Will the policy cover you if you live "over the green line" in places such as Efrat, Betar Illit etc.?
c. Do the policies cover passive / active war or terror?
d. Where will the payout be? Will this pose a problem to the beneficiaries?
The only thing that will ensure a payout at the time of a claim is concrete evidence. Do not rely on verbal confirmation or "my friend is with the same insurance company, and they had no trouble getting a payout from overseas". As an example, one client of ours turned to us for life insurance cover following Aliya. The couple discovered that the wife was still covered through her policy overseas, but although both plans were taken out through the same insurance provider, the husband was not. It is imperative that written confirmation from the insurance company be obtained confirming they will payout if needed.
If the cover will remain in place, and ticks all the relevant points above, then it may be more affordable to maintain the cover from the overseas plan, as opposed to cancelling and taking out a new Israeli plan.
Currently, in Israel, one can only purchase term insurance plans for a pre-determined length of time. Whole of life plans have not existed here for many years. Whilst term insurance plans are the only available option, different insurance companies may offer different types of plans with regards to sums insured, maximum age, length of policy, monthly premiums and the option of the premiums rising every year, 5 years, 10 years etc.
There are currently three main options available in Israel:
1. Lump sum life insurance
Lump sum life insurance is a concept that most of us are familiar with. Upon one’s passing, their beneficiaries receive a one-time lump sum payment of the sum insured. The rule of thumb with this type of insurance is that as one gets older, the premiums rise. This happens because the sum insured remains the same throughout the life of the policy, however the older one gets, the greater the risk to the insurance company of having to pay out. Whilst this is more affordable earlier in life, it will become a considerable expense the older one gets.
2. Monthly Stipends
This is a relatively new concept in Israel. Upon one's passing, their beneficiaries receive the monthly stipend insured for the pre-determined term. For example, if a 25 year old took out a 5,000 NIS a month policy for 30 years and passes away during that time, then the insurance company will pay out the monthly amount till the person insured would have reached age 55.
The advantage of this type of plan is that the premiums remain affordable throughout the life span of the policy, as the risk to the insurance company reduces with age. This type of plan can be useful as a supplement to the lump sum insurance, to provide additional monthly cover for the period when there is a greater financial risk to the family, eg. when one's children are living at home and fully financially dependent on their parents. An additional advantage to this track is that the monthly payments are free of income tax.
3. Lump sum policies for "uninsurable" people
There is currently one provider in Israel that offers a limited term life insurance plan for people with pre-existing medical conditions, who would otherwise be unable to obtain any level of life insurance at all. Premiums for this plan are significantly higher than regular term insurance for healthy people, however with no health declaration required, an otherwise “uninsurable” person now has the ability to provide some financial security for their family that they would have been unable to do so previously.
By law, all life insurances must be linked to the madad (the cost of living index), as a result, the sums insured as well as the premiums have some kind of correlation to interest rates.
It is strongly recommended to sit with a professional in Israel, to ensure that you have the correct level and type of insurance in place, to protect the potential financial risk you pose to your family.
