Tag Archives: help

Understanding Car Safety Ratings

Understanding-Car-Safety-Ratings

Although newer vehicles are generally more expensive to insure than older ones, consumers can often get discounts if their new vehicles have the latest safety features. Advances in crash and accident avoidance technology mean that consumers who buy a new vehicle equipped with the latest safety features are often less likely to be seriously injured in a car crash.

Safety ratings are a function of two major factors: prevention—how well the vehicle is designed to prevent an accident—and, crashworthiness—how well the vehicle performs in a crash.

The Insurance Institute for Highway Safety ranks its Top Safety Picks based on good, acceptable, marginal or poor performance in high-speed front and side crash tests, a rollover test, and evaluations of seat / head restraints for protection against neck injuries during rear impacts. Crash tests are conducted on a half-dozen types of vehicles, including large cars, mid-sized cars, small cars, minivans, mid-size SUVs, and small SUVs. You can also visit the National Highway Traffic Safety Administration website for a full report on recalls and defects.

Currently, some of the top-rated safety features are:

  • Adaptive front airbags
  • Side airbags
  • Side curtain airbags
  • Knee airbags
  • Electronic stability control
  • Anti-lock braking systems
  • Brake assist
  • Tire pressure monitors
  • Back-up sensors
  • Park assist
  • Blind-spot warning
  • Lane departure warning
  • Forward-collision warning
  • Smart headlights
  • Crash-alert systems (such as OnStar)
  • Built-in car seats

Technology is ever-improving, and, as time goes by, manufacturers and the government are standardizing these features. Doing your homework ahead of time and knowing what your options are can make the decision-making process smoother and get you into that new car faster!

If Life Lowers Your Income, Covered California Can Help With Keeping Up Your Health Insurance

In a perfect world your income would increase throughout life, but who lives in a perfect world? Employment loss or divorce can result in a decrease in income. Even happy events like marriage or the birth of a child adds another mouth to feed, effectively lowering income. If you find yourself in an income-changing situation, Covered California may be able to help you obtain federal premium assistance so you can maintain your health insurance coverage while reducing  costs.

Open enrollment for obtaining federal premium assistance is October 1 through March 31 but in the event of life-changing events, “special enrollment” is available throughout the year, but you must apply within 60 days of the event. Whether you are eligible for a subsidy or not, plans available through Covered California meet the levels of coverage mandated by the Affordable Care Act, and match those of the outside market.

Should you find yourself in need of information, contact Integrity First Insurance in Thousand Oaks, where Jason Mayling, certified by the State of California, can guide you, as he has many others in this time of health care reform.

Certified California Agent Jason Mayling will Help you Understand New U.S. Health Care Laws

Jason Mayling can help you understand current United States health care reform laws. He will let you know whether or not you can keep your current policy. If not, he will guide you in choosing coverage that complies with the Affordable Care Act.

Mayling, a certified representative of Integrity First Insurance, will also explain details regarding your contract. As a result, you don’t have to be one of the persons feeling overwhelmed by current Obamacare legislation. You’ll know exactly what to expect, even if you have an existing condition that could affect your current expenses.

Changes in health care regulations are meant to help people easier understand their policies. However, you might still have questions. A certified specialist can make obtaining the right coverage much easier.

If you’re currently seeking health care in Thousand Oaks, California, please contact Integrity First Insurance today.

Under The Affordable Care Act Can Californians Keep Their Existing Doctors?

Many folks who are getting ready to buy insurance from Covered California are concerned about keeping the doctors and other health care providers who have taken care of them until now.

This is an excellent question, and cannot be answered with certainty. Although there are a great many plans available in California, they are sold by the zip code you reside in. Many of the plans have provider networks – but even if your doctor was participating in Anthem Blue Cross (for example) in 2013 does not mean s/he will continue. Or, if s/he remains with Blue Cross it may be in a plan you prefer not to buy into.

There are so many plans from so many insurance companies with so many providers that finding one with your doctor could be challenging. For instance, one plan may be for sale in your zip code that has a smaller panel and excludes your doctors.   Choosing a plan is confusing, but Jason Mayling, President of Integrity First Insurance is a certified insurance agent who will be glad to personally assist you in making your health insurance selection. Call him at (800) 696-9193 for help.

January 1, 2014 Millons to Join Rank of Health Insured

With the implementation of the Affordable Care Act (Obamacare) a sure thing, many people in California will be buying health insurance for the first time.

One question many have is when coverage begins. If you buy insurance before December, 23 2013 your coverage will begin on January 1, 2014. On January 1, 2014 millions will have health insurance for the first time either through the exchange or Medicaid.

The California State Exchange is highly successful and offers numerous plans for folks in most zip codes. With varying premiums, subsidies and deductibles, novice health insurance buyers who are confused and need help can contact Jason Mayling of Integrity First Insurance. Jason, a certified insurance broker and president of Integrity can help you choose the best plan for you. Call him at (800) 696-9193.