Uninsured/Underinsured Motorists Coverage Uninsured Motorist (UM) coverage pays for medical bills if you are hit by a driver who does not have automobile insurance or if you are involved in a hit and run accident. This coverage is required in many states. Underinsured Motorist (UIM) coverage takes effect when you are hit by a driver […]
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Defining Insurance
Personal Injury Protection and No-Fault Coverage Personal Injury Protection (PIP) coverage pays for medical expenses and lost wages for the driver and his/her passengers who are injured in an accident. PIP also covers funeral expenses, and is required in 16 states. No-fault coverage pays for losses, regardless of who was at-fault in the accident.
Defining Insurance
Medical Payments Medical Payments (MedPay) coverage compensates for medical expenses for the driver and his/her passengers as a result of an accident, regardless of who was at fault.
Defining Insurance
Comprehensive Coverage Pays for damages to your car that were not caused by an accident, such as fire, theft, vandalism, natural disasters, hitting an animal, etc. Glass coverage is also covered under this portion of the policy. Coverage applies after deductible is met.
Defining Insurance
Collision Coverage Pays to repair your own vehicle after an accident. Coverage applies after deductible is met.
Defining Insurance
Bodily Injury Liability and Property Damage Liability Liability Insurance covers the costs of damage that you may do to others, including property damage and bodily harm. It also covers legal fees, if you were the driver who caused the accident. Property Damage Liability coverage compensates to replace or repair property that you destroy (other vehicles, […]
Life tips – Cooking with Care
COOKING WITH CARE Foodborne illnesses are extremely dangerous to everyone but especially to the elderly. Since older adults have weakened immune systems, they get sicker from bacterial infections and cannot recover as quickly. Follow these tips to ensure that the food you serve is safe: Periodically check the temperatures of the refrigerator and freezer to […]
Asking for a pay raise
Asking for a Raise Preparation and attitude are essential Asking for a raise can be a intimidating experience, but often you need to ask to receive the compensation you deserve. A little preparation and the right attitude can help you receive the best outcome and ensure the meeting goes smoothly regardless of the decision. Preparation […]
Reduce the Paper Trail (part 2)
Store documents electronically instead of using a filing cabinet, write emails versus sending paper letters and review documents as a PDF versus printing. Make use of a company intranet to cut down on printed materials. Post or distribute an e-newsletter (instead of mailing out a printed company newsletter), host an online bulletin board, and […]
Reduce the Paper Trail
Request that employees stop receiving unnecessary industry newsletters, magazines and junk mailings. Instead, sign up for e-mailings on industry-related topics and information, or check if various publications have an e-newsletter as an alternative to receiving a print version. Post employee manuals and policies online versus printing out paper copies of these documents. This makes […]