4 Reasons on Why You Should Get a Life Insurance

We often hear people ask: “Do I need Insurance?” Almost everyone doubts to get one. Why? Because of the fast-spreading scams and frauds that pretend to be a legal insurance company but does nothing but steal your money and swindle your bank accounts. But let’s go back to the topic. Do we really need insurance? The answer is, of course, yes! We need this in almost every aspect of our lives. Whenever we drive a car, we need car insurance. We need insurance to protect both our lives and our family’s. Also, some of our possessions need also to be insured. One of the most important types of insurance is the Life Insurance. There are many reasons why we should get one. I have listed some of the main reasons below.

1st – Life in the world is getting tougher and tougher each day. You begin to worry about almost everything including the food that you’ll eat. Even if death comes upon you, worries will never stop bother your family because even a common burial costs a lot of money. And even if you don’t have a family, you don’t want people to just dump your body in the ocean.

2nd – You’re family will never be burdened with financial problems. Expenses such as mortgage payments and vehicle payments, among others, will continue long after you’ve drawn your last breath. Your family will still feel your support even though you’re long gone.

3rd – Because of your parents’ old age, they cannot work anymore to earn money and their pensions are not enough to support their lives. That’s why you struggle and earn a living for them. You provide them with not only the basic needs but also some of the things that we consider luxury. But what if you die today? You do not want seeing your parents struggle in the remaining days of their lives right? Having your parents named as beneficiaries under a life insurance policy could provide them the things that they would need in the future.

4th – You are the one taking care of the education of your children. Because of your desire to let your children achieve their dreams you send them to a good school though it has a very high tuition fee. But what if you can no longer pay the bills of your children’s education because of your death? Being insured in a life insurance not only takes care of your burial and household, it also provides future educational expenses for your children. Therefore, though you do no longer exist, your children are assured upon having the best education that they will need.

Of course these are not only the reasons why you should be insured. There are many more reasons depending upon your status in life and capabilities. His reason may differ from your reason but whatever that is, it is still for your benefit and of course your loved ones too.

Cheap Auto Insurance Programs in California

It’s no secret, California is a big state with millions of drivers puttering around on a daily basis. With such volume comes a certain number of accidents. That is why the State of California has made it mandatory for everyone operating a vehicle to have car insurance.

However, auto insurance can be tricky business. If a potential buyer isn’t careful, they could end up paying extremely high premiums for very basic coverage. Nearly 25% of drivers have either inadequate or no car insurance whatsoever.

Enter the CLCAIP

Commonly known as the CLCAIP, the California Low Cost Automobile Insurance Program was setup to give people who are financially struggling the opportunity to get a decent coverage plan at a very affordable rate. Currently, people can start be covered for as little as $22.00 per month through the CLCAIP.

The numbers are astounding. In 2009, the program received around 7,000 applications, which was 1,000 more than the year before. In 2011, the program received over 25,000 applications which indicates exponential growth.

Why California needed the CLCAIP

When the financial crisis hit in 2008, a lot of people lost the ability to afford their current premiums. Steve Poizner, the Insurance Commissioner, saw this as an opportunity to start a service that could help people get proper coverage at a rate most families could afford. Its goal is to offer allow people to be legally insured for less than a 15% down payment alongside minimal monthly payments.

However, to be accepted into the program, an applicant must meet certain requirements. They are easy to meet and consist of:

  • Must have a clean driving record. The applicant cannot have more than a single at at-fault accident
  • Must not have any driving related felonies or misdemeanors arrests in the past 3 years.
  • The eligibility limit for a single person is $27,075. For two people its $36,425 and for a family of four its $55,125.
  • The car being insured cannot be valued at over $20,000

Despite the growing number of applications, the CLCAIP is in danger of being closed down. Accord to governor Schwarzenegger’s office, the program isn’t popular enough to keep funding and vetoed a bipartisan legislation increasing the program’s yearly budget due to a low rate of participation.

The fate of the program remains unknown, however, the need for such a program remains. It’s illegal to drive without insurance and offering people the chance to get full coverage at an affordable rate is something that Californians should keep benefiting from.

An Employer’s Legal Obligations To Ensure Health, Safety And Welfare And Prevent Injury At Work

There are a raft of UK health and safety laws and regulations in respect of workplaces in order to cover many different types of working environments such as offices, shops, factories, workshops, warehouses, department stores, hotels, restaurants, hospitals, schools and so on which to name some.

As a result health and safety laws that regulate and control safety in the workplace can be very complex and specialised as very specific legislation exists to regulate particular enterprises such as road building work, dock work, construction work and work involving exposure to hazardous substances such as explosives, radiation, toxic fumes, etc.

However, there are general health and safety obligations that pervades and apply across all industries which sets the basic threshold of expected health and safety irrespective of the type of enterprise, which I have summarized below.

Every employer has a common law, statutory and implied contractual duty to take reasonable care for the health, safety and welfare at work of each and every employee.

The common law duty extends not just to employees but also to visitors, customers, contractors and members of the public who have lawful reason to be on the premises. If a person is injured whilst on the premises as a result of negligence by the employer, that person may have a right to sue for damages.
This common law duty is reinforced by further duties imposed on employers by the Health and Safety at Work Act 1974 along with other legislation that is specifically relevant to the employer’s enterprise. These laws apply both civil and criminal liability for breaches of health and safety.

Under the Occupier’s Liability Act 1957 and 1984, persons occupying premises have a legal duty to do all they reasonably can to ensure that all lawful visitors to those premises will be reasonably safe in using the premises for which they were invited or permitted to be on the premises.

A poster entitled “Health and Safety Law: What You Should Know” must be clearly displayed in every workplace, with the address of the nearest health and safety enforcing authority and of the nearest office of the Employment Medical Advisory Service (EMAS).

An employer has a duty to appoint one or more “competent persons” to advise on the requirements of health and safety legislation and steps to be taken. Section 7 of the Management of Health and Safety at Work Regulations 1999 acknowledges that in small businesses that person can be the employer himself.

Every employer is also under a duty to consultant with their staff directly on matters likely to affect their health and safety at work. This person must have a sound knowledge of all relevant health and safety legislation with the required training and experience to properly carry out this function. This person is the ear of the employer to advise him of the employer’s health and safety responsibilities.

Regardless of the size of the employer’s business undertaking, there is a duty to carry out “suitable and sufficient assessment” of the risk to which employees are exposed as they carry out their employment responsibilities. The risk assessments must also identify risks confronted by people lawfully on or in the immediate vicinity of the employer’s premises. The primary purpose of the risk assessments is to enable the employer to identify risks and the measures needed to comply with the various pertinent health and safety laws and regulations. If there are 5 or more employees, the employer has a duty to maintain a written record of the findings of the assessment.

Injuries, accidents or “near misses” must be thoroughly investigated and major injuries and dangerous occurrences must be reported to the relevant authority without delay in according with The Reporting of Injuries, Diseases and Dangerous Occurrences Regulations 1995 (RIDDOR).

For effective health and safety in the workplace it is imperative that all employees receive the necessary information, training, instruction and supervision for the work that the employee is engaged in.

If there employer fails to comply with any of the general health and safety obligations and as a direct result injury occurs in the workplace, the employer may be held responsible to the injured person and liable to pay compensation for injury, loss and damage.

If you’ve had an accident and injured at work and have legal insurance cover, whether its part of your car insurance or some other policy of insurance, be aware that you are not legally obliged to go with your insurer’s choice of solicitor who they select from their panel of approved solicitors.

In any type of accident claim it’s important that you get the help and advice that you need from a specialist in the area of law that is particular to your injury complaint.

Affordable Auto Insurance – How to Get a Cheap Car Insurance Policy

Do you wish to embark on a trip outside your region? Your decision might be to travel by road and to get this done you need a car. Talking about a car, I mean a car that’s fully insured. Knowing some bad events that may occur on the highway, you would not want to go in an uninsured car. Do not take such chances.

Some countries have legalized insurance of cars as very necessary for all car owners; this became important due to rages on the road. Some times it is very difficult to get a cheap auto insurance policy and people due to lack of information do not know how or where to go about this. Using the e-mechanism method is one good way to go about this. This can quickly be done and concluded in the comfort of your home or your office. You do not need to relocate or leave your home.

So many service providers are out there waiting to give you the offers you will need. The market is competitive now that there so many insurance service providers. You get bigger offers, discount, extra packages are giving to interested car owners. Search for a trusted website that provides this service. Submit the free quote and all the details and contacts of different insurance companies will be available for you to choose from.

You do not get your car insured only because of road rages but for thieves and burglars too. A well-maintained car gets a cheap insurance compared to other cars. Where can you start?