Federal Laws on Automobile Insurance

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Automobile insurance is nothing more than a wager that sooner or later you will be in an accident. The particular laws for auto insurance vary from one state to another, but there are also laws that the federal government has set regarding insurance for your vehicles.Minimal CoverageThe...

Colorado Medical Insurance Claims Laws

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Colorado state law guarantees a cluster of rights for the medical insurance consumer. These rights depend on what kind of insurance you have or are eligible for. Managed care (HMOs and PPOs), which is what most people have, has its own set of state regulations, but general rules govern all classes o

California Auto Insurance Laws

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California is not a no-fault auto insurance state. This means a driver is named at fault when there is an accident and his insurance must pay for the damage or injuries that he caused. The state sets minimum insurance requirements on this liability insurance that must be verified each year when vehi

Alabama Liability Insurance Laws

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Alabama law states that drivers must carry liability insurance.Crash on the street. German auto model 2007. image by Dariusz Kopestynski from Fotolia.comAlabama state law requires every motor vehicle operated on a pubic highway to be covered by a liability insurance policy or a cash bond...

What Is HMO Capitation?

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A health maintenance organization (HMO) may contract with a physician, or group of physicians, and provide a payment, known as capitation, for medical care of the HMO's members. A capitation payment is fixed regardless of the type or amount of services received by the patient.

How to Apply for Unemployment in Ontario

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The Employment Insurance (EI) Benefits program in Ontario has been managed by Service Canada since 2005. Individuals contribute regularly to the EI fund while they are employed so that in the event of a loss of employment, either permanent or temporary, the individual can access income support and d

How to Get a Home Health Care Business Certified in Illinois

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Starting a home health care business in Illinois will require obtaining a license for the type of service that will be provided. In Illinois, you have the option of obtaining a license for a home service agency, a home service placement agency, a home nursing agency and a home nursing placement agen

Social Work & Law Certificates in California

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Even after you have earned a professional degree, the learning opportunities do not have to stop. Myriad opportunities to increase your knowledge, skill, and reputation exist by obtaining additional certifications; two areas in which you may do so are social work and legal fields.

How to Become a Licensed Massage Therapist in Indiana

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In Indiana, a massage therapist must receive a license to practice from the Indiana Board of Massage Therapy. The board has set forth specific requirements regarding education and examination among other things necessary to obtain licensure. Candidates who enrolled in an approved program before July

Does Life Insurance Count in Net Worth Values?

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When you put together a financial plan, one of the first steps is to calculate your total net worth. This lets you know your current financial position. In determining your net worth, you need to properly account for the value of your life insurance. The face amount of current life insurance policie

How Much Can You Earn & Still Collect Unemployment?

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Unemployment insurance is a social safety net that's supposed to help you pay for life's basic necessities if you lose your job. Unemployment insurance is a joint federal and state program financed by taxes paid by employers. You can earn money at a temporary or part-time job while receiving unemplo

How to Read a State Farm Insurance Auto Policy

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If you drive a car, you need to have a quality car insurance policy in place; simply buying the first policy you find is not enough. Carefully review your existing policy. If you find any gaps in your coverage, adjust the amount of coverage as soon as possible.

Requirements for SCHIP Reporting

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The State Children's Health Insurance Program, or SCHIP, is a federal government program created in 1997 to provide health insurance to children in families at below 200 percent of the poverty line in the United States. In 2007, Congress passed the Medicare, Medicaid and SCHIP Extension...

Health Insurance Fraud Act

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Connecticut's Title 53 lists state laws for actions considered a crime in Connecticut, organized by type of crime as well as the intended victim of the crime. Chapter 949e of Title 53 is the Health Insurance Fraud Act. Most states have a similar law, but with a different name.

Auto Accident Claim Process

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Make a Police ReportIf you are involved in an auto accident with an insured vehicle and want to begin the claims process you need to get a police report. Even if no other autos are involved in the accident, you need to call the police. Remain at the scene of the accident with your car...

How to Handle Health Insurance Fraud

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If you suspect insurance fraud, report this immediately. Several private and government agencies handle insurance fraud claims. The Coalition Against Insurance Fraud estimates that health care fraud alone cost taxpayers $54 billion a year. Another study done by the Rand Institute for Civil Justice e

How to Fight Insurance Companies

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Insurance companies are not unchallengeable monoliths. If you have been wronged by an insurance company, you can fight the company through the court system and by filing a complaint to your state department of insurance. The most common reason for taking an insurance company to court is a failure to

Federal Cobra Requirements

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Know your COBRA rights if you lose your employer-based insurance.Women with sunglasses image by Dumitrescu Ciprian from Fotolia.comLosing a job is bad enough, but losing employer-sponsored health benefits along with it can be devastating. Although expensive, the Consolidated Omnibus...

Viatical Regulations in Maryland

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Maryland law specifies the requirements for viaticals.signing a contract image by William Berry from Fotolia.comWhile there are no specific regulations pertaining to viaticals, Maryland law requires specific disclosures regarding viatical agreements, or the sale of a life insurance policy...

How to Get Life Insurance on an Ex Spouse

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Getting divorced changes the financial circumstances of each party involved, especially if there are children of the marriage. If your ex-spouse will be required to pay child support or alimony payments after the divorce, it may be a wise idea to make sure your ex-spouse has a life insurance policy