Author Archives: Anna Glendenning

Workers’ Compensation Fraud

Insurance fraud is not a victimless crime, we all eventually pay for this crime because insurance companies pass along the cost to policyholders. The National Insurance Crime Bureau estimated that during the year of 2000 workers’ compensation insurance fraud was the fastest-growing insurance crime in the United States costing the insurance industry $5 billion per year. Insurance fraud is often a white-collar crime committed by medical clinics, law offices and even in the case of workers compensation even employers. Insurance fraud is often carried out by organized crime groups. Doctors, lawyers employers and individuals often work together and even recruit … Continue reading →

Workers Compensation The Basics

It is often a confusing situation for the employee suffering from a work related injury or condition. Many workers have company provided health insurance benefits offered at reduced or in some cases no premiums. Often and injured worker believes this health insurance will cover every medical problem they might face only to go to the doctor and be asked the leading question, “Is this related to work or an automobile accident?” The worker who suggests this might have something to do with something that happened on the job may in some states be told the doctor doesn’t accept workers compensation … Continue reading →

Why is My Pain Treated Differently at Work?

I have a close friend who works all day behind a computer and has for over 20 years. During the past five years his hands, elbows, shoulders and neck have started to feel the stress. Over the last year the pain and difficulty has become progressively worse and the company Ergonomics department has actively attempted to make his work area a custom fit in order to reduce the stress. My friend earns a great living at what he does, and over the last five months returns home a little early in order to make out with a heating pad, take … Continue reading →

I Could Never Return The Call to The Underwriter Lost on 9 11

I was late to the office on the morning of September 11, 2001. Living on the west coast we woke to the news of the terrorists attacks on the World Trade Center, by the time I was sipping my coffee the news of the Pentagon and Flight 93 caused an uneasy feeling that more attacks might come to LA or some other place on the west coast. Most of us were late that morning. Knowing people we worked with on a daily basis were in the towers we saw crash to ruins live on the morning news. We had business … Continue reading →

What Every Dog Owner Needs To Know About Their Personal Liability Coverage

Dog Bite Liability has become a major concern for homeowner insurance companies who generally oppose any new legislation requiring changes to the way insurance companies deal with some dog breeds. The insurance companies believe government public health studies and company claims statistics indicate some breeds of dogs are more dangerous than others and are higher loss risk. Dog owners living in 33 states are currently legally liable for deaths or injuries caused by their dogs. There are several states with laws or pending laws that restrict an insurance company from canceling or denying insurance coverage based on the specific dog … Continue reading →

Summer Road Trip Auto Safety Check

This weekend will be the busy three-day last hurrah of summer and many of us plan to hit the road. With each season there are different risks drivers face while traveling. In the summer it’s easy to delay routine maintenance. Preventative maintenance is a summer driving must! Depending on how good you are about the routine maintains before you leave on vacation be sure to have things done. Anything from overheated cooling systems, tire problems and burned transmissions can leave vacationers stranded or create a safety risk. Be sure to have the oil changed and check for other potential problems … Continue reading →

Insurance Blog Week In Review August 22-28, 2007

Insurance Term Of The Week: Dog Bite Liability Wednesday August 22, 2007. For the Small Business the week started with information about liability and Insurance many individuals and businesses need to consider. The Difference Between Claims Made and Occurrence Liability Policies, may not be the most exciting thing to read but, interesting for any small business person. Thursday August 23, 2007. The Small Business Insurance category has been a little slow, so I decided to build on yesterday and add The Basics about General Liability and Professional Liability Insurance I know this isn’t as exciting as Body Part Insurance, but … Continue reading →

Dog Bite Liability

There has been a growing popularity since the mid-1990s, of people choosing to own the more aggressive breeds of dogs. This is a security concern because dog attacks are now the largest single cause of homeowner insurance policy claims. Dogs and their bites have become a major concern for homeowner insurance companies and considering the statistics it’s not hard to see why: The Centers for Disease Control and Prevention, reports that more than 4.7 million people are bitten by dogs every year with an estimated 800,000 injuries requiring medical treatment. More than 50 percent of the bites happen on the … Continue reading →

Plump Pets and Pet Health Insurance Study About Pet Obesity

The nation’s oldest and largest pet insurance provider, Veterinary Pet Insurance (VPI), ran a study reviewing Pet Health Insurance claims and found more than $14 million dollars was paid out for claims linked to pet obesity with plump-pets health care needs representing seven percent of all the pet medical claims submitted to VPI in 2006. Veterinarians know obesity is as harmful for our pets as it is for their owners and humans. Nearly all body systems are required to work harder to support the extra weight Obesity adversely affects the quality and length of life, for our pets and us. … Continue reading →

Five Important Insurance Tips For Your Recreational Vehicle

Owning a Recreational Vehicle (RV) offers families the freedom to explore the beauty of America while enjoying a few comforts of home. Whether you’re a retired couple traveling or taking the great family vacation America’s roadways, even the best plans can go astray. Traveling in a Motor home or RV can leave vacationers subject to problems and when that happens most policyholders are happy when they investigated their insurance options first. Many Personal Auto Insurance policies will allow an insured to add their motor home or RV to the personal auto policy and some estimates indicate that as many as … Continue reading →