AIG to avoid losing proposition of regulatory battle, CEO says

AIG to avoid losing proposition of regulatory battle, CEO says

June 5, 2015 by Sonali Basak

(Bloomberg) — American International Group Inc. (AIG), which was named a potential risk to the financial system by U.S. regulators, prefers to cooperate with watchdogs rather than to resist oversight, Chief Executive Officer Peter Hancock said.

“For the most part, where we encounter government, whether it’s in Japan, the U.K., at the federal level in the U.S. or at the state level, we see an alignment,” Hancock said Wednesday when asked at a conference if there was too much interference from regulators. “The benefits of having a collaborative relationship with all of the government agencies you operate with, in my view, far outweigh scoring points as to whether more or less government is good.”

Click HERE to read article

Originally Posted at LifeHealthPro on June 3, 2015 by Sonali Basak.

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10 most overpriced housing markets


  • Median home price difference : (2008-2015) +33.92%

Inventory is tight and home prices are soaring in the Mile High City. “To us, it looks like everything is close to peeking,” said James Paine, managing partner at the real estate investment firm.

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Home mortgage rates and real estate news –

National Trails Day: 15 spectacular hikes around the USA

June 6th is National Trails Day, so we thought we’d take a look at 15 trails throughout the USA that provide spectacular views as the reward. Want to find something near you? Click here to find an event, or simply get outside and take a hike!

One hundred and twenty five miles of trails weave through Acadia National Park in Maine, many of which were initially established by Native Americans and early settlers, and then made into trails in the early 1900s. The Bubbles Divide Trail (or Bubble Rock Trail) winds through mixed forest with views of Jordan Pond and Bubble Rock; Bubble Pond is a further from Jordan Pond.

The “Grand Canyon of the East,” Letchworth State Park in Genesee Falls in New York’s Finger Lakes region has 66 miles of marked trails ripe for exploration, the Genesee River roaring through a gorge to create three waterfalls. (The park was also named the USA TODAY Readers’ Choice Award for Best State Park in the United States for 2015).

On a clear day along the Appalachian Trail near Roanoke, Va., you can easily see the Southern Shenandoah Valley from McAfee Knob, one of the most photographed spots on the Appalachian Trail; closer in you’ll find stunning views of the Catawba Valley. The hike is about six miles long roundtrip and affords 270-degree views, as well as a downhill return.

In North Carolina’s Smoky Mountains, the five-mile hike at Purchase Knob can be done in about four hours, but that depends on how much time you take to stop and simply gaze at the beauty that surrounds you. A comprehensive guide map points out those must-stop spots.

Blackwater Falls State Park in West Virginia has more than 20 miles of hiking trails, and along the way you’re sure to spot the falls for which the park is named, not to mention the water that flows through an eight-mile long gorge. The Lindy Run Trail is just over a mile long yet provides spectacular, sweeping mountain views.

Sleeping Bear Dunes National Lakeshore in Michigan has 13 trails with nearly 100 miles ripe for exploration. Follow the 2.8-mile Sleeping Bear Point Trail for dramatic views over Lake Michigan.

Be sure to take water with you when hiking in Saguaro National Park outside of Tucson – it gets hot in the Arizona desert any time of year. Once in the park, Douglas Spring Trail is an easier six-mile, round-trip hike that ends at a – surprise! – waterfall (seasonally).

Elsewhere in Arizona, the easy, one-hour Brins Mesa Trail in Sedona’s Coconino National Forest starts just outside of town and leads hikers to wide open spaces to really soak in the majesty of the red rock formations that crop up throughout the area, including Chimney Rock and Coffee Pot Rock.

Getting to Delicate Arch in Arches National Park, Utah, is not for the faint of heart. Most of the three-mile round-trip hike is on wide paths, but as you get closer, the path gets more narrow and the last 200 yards or so is along a rock ledge. The views at the other end more than make up for that lasts harrowing bit, however.

Hiking in the Virgin River’s 65-or-so-degree water, stepping through and on slippery rocks in a current is more than challenging, but The Narrows in Zion National Park provides stunning surrounds. Rock walls tower overhead a thousand feet, and whether you hike for an hour or the entire 10-mile roundtrip, the views are stunning both going and coming.

Probably one of the most iconic hikes in all of the USA is Half Dome in Yosemite National Park. The work is hard – 14 to 16 miles roundtrip – and you’ll climb up, up, up 4,800 feet, but is it ever worth the effort. Along the way, stop for views of Vernal and Nevada Falls, Liberty Cap and finally, panoramic views of Yosemite Valley and the High Sierra.

The majesty of Olympic National Park in Washington instantly surrounds you upon passing into the park, and beautiful spots are bountiful and accessible. For a different sense of beauty, hike the Hoh River Trail to “One Square Inch,” possibly the quietest spot in all of the USA. Once there, sit, close your eyes and let the silence wash over you.

Denali National Park in Alaska doesn’t have many maintained trails, so it’s pretty much hike where you like. However, if a trail’s what you’re looking for, make sure and hike Horseshoe Lake Trail. The three-mile roundtrip trail is developed most of the way with panoramic views of the Nenana River.

On the Hawaiian Island of Lana’i, the hike to Pu’u Pehe, or Sweetheart Rock, is a popular spot to watch the sun rise over the island. Leaving from the Four Seasons Resort Lanai at Manele Bay, a quick 20-minute hike up the rocky cliffs ends in this sweet spot, also perfect for watching the sun set at the end of the day.

Instead of hopping on a mule for the descent along Moloka’i’s sea cliffs – the world’s tallest at 3,600-3,900 feet – lace up your hiking shoes and hoof it instead. At the bottom, a quiet beach awaits, and a bit farther afield, Kalaupapa National Historic Park.

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USATODAY – Travel Top Stories

Marsh & McLennan buys large Texas agency


Marsh & McLennan Agency (MMA), a subsidiary of Marsh, the White Plains, N.Y.-based insurance broker, has acquired Dallas-based MHBT Inc., one of the nation’s largest independent insurance brokers.

Terms were not disclosed.

With roots dating back nearly 100 years, MHBT is a provider of insurance, risk management, and employee benefits solutions to businesses and individuals throughout the US. The firm has annual revenue of approximately $ 76 million and 350 employees in five offices throughout Texas.

All MHBT employees will join MMA and operate under the name “MHBT, a Marsh & McLennan Agency LLC company.”

MHBT will serve as MMA’s Southwest regional hub under the leadership of MHBT CEO Bill Henry. Anthony C. Gruppo, who has been serving as MMA’s Southwest regional CEO since 2013, will continue to serve as CEO of MMA Houston.

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IFAwebnews | National

Teach or Lose

If you think that annuities do not need an awareness month, try this Google search: “Should I buy an annuity?”

You will face a page of warnings and “helpful” advice. In fact, the first thing on the list is a guide from Forbes that pretends to be an unbiased information source. It even has the imprimatur of an Investopedia logo on it.

But it does not take long for the misinformation to start. This is the fourth paragraph:

When you think about it, investing your whole portfolio into a single investment doesn’t make sense for any financial instrument. These investors put themselves at considerable risk by placing all of their eggs in a single basket. They were also often whacked with innumerable hidden fees on their life savings. Many saw their monthly income drop as the investment markets took a tumble.

That is a perfect description of what an annuity is not. This would be true of stocks, mutual funds and other equities — pretty much anything but annuities. Security is precisely why someone buys an annuity.

Of course, variable annuities suffer in down markets, but those are securities, basically mutual funds in an insurance wrapper.

Fixed index annuities come closer to the Forbes description, but there is a floor against loss. Remember the “zero is the hero” rallying cry from the 2008 crash?

It gets goofier. The next paragraph uses that previous misinformation to launch into the land of fabrication.

Because of this situation, many states now regulate the percentage of annuities you can hold in your portfolio, and for good reason. If you’re thinking about putting annuities into your portfolio, first consider a limit on the total.

So, according to this, some states will tell me that I cannot put all my money into an annuity. I cannot find a reference to any state that would say individual consumers could not put all of their money into an annuity. Under what authority could they even do that? I can lose all my money in the stock market, but does any state tell me that I cannot put it all into equities? Well, maybe they should, according to this Forbes scare piece.

Of course, agents and advisors are under regulations and guidelines that would prevent them from advising clients to put all their money into an annuity. But even then, the advice would have to be either unsuitable for the client or not in their best interest to be considered improper.

This writer took an inaccuracy — that many saw their monthly income drop as the investment markets took a tumble — then went on to say, “Because of this situation …” leading to nonexisting regulation: “Many states now regulate the percentage of annuities you can hold in your portfolio.” Not only is this the first item in the search, but it is one of the most annuity-friendly pieces on the first page.

The next item, from CNN, highlights this piece of advice: “Typically you should consider an annuity only after you have maxed out other tax-advantaged retirement investment vehicles, such as 401(k) plans and IRAs.” Under the headline “How do I know if buying an annuity is right for me?” the article spends the first three paragraphs warning against annuities until the fourth, which recommends mutual funds.

The next article in the search is from Suze Orman. I don’t think it’s too much of a spoiler to reveal that she doesn’t have glowing things to say. Here is how she introduces the subject: “This is the great blanket investment to cover you when you’re about to retire, or retired, right? Not so fast.”

She goes on to talk about the horrible commissions and fees associated with annuities.

As you read all this and the ancillary arguments for the fiduciary standard, you would think every investment firm is run by monks with no financial concerns for themselves. Apparently, they seek only the financial well-being of their clients and accept mere pittance to stave off starvation.

But, in fact, we all know that they do pretty darn well. They make money even when clients lose theirs. The finance industry built its vast fortune on fees. And I think I saw a couple of movies that seemed to indicate they can get awfully rich by doing really slimy things.

This is not to say that the insurance industry is inhabited only by saints. It has its own problems and delinquents. But its main mission is to protect money. When clients buy an annuity, they are purchasing protection. That is the product and the business at their essence.

Some annuities and their sellers do go out of their way to make annuities sound like sexy investments. That has come back to bite many of those folks when regulators start nosing around. But, generally, companies have tightened their oversight. That was especially true with stronger suitability rules that went into effect after the Securities and Exchange Commission tried to regulate fixed index annuities with Rule 151A.

Companies have also reduced complexity. Frankly, even many agents didn’t understand some of the complicated products of 10 to 15 years ago.

In the end, a business is only as good as its ethics. If people are geared to separating clients from their money, they will figure a way around the rules.

At the center of this debate is an American public unprepared for retirement. In fact, people are pretty anxious about their later years, according to the 2015 Retirement Confidence Survey from the Employee Benefit Research Institute and Greenwald & Associates.

According to that survey, 65 percent of Americans said they were not at all confident or not too confident that they will  have enough money to live comfortably through their retirement years. Another 21 percent were somewhat confident. Only 12 percent were very confident.

That means about 88 percent of Americans were less than very confident that they will be able to live comfortably in retirement. That’s an extraordinary level of anxiety out there.

After all these years of a bull market and with all the advisors riding it, ordinary Americans are not much better off. We all know where that money is going — right to the top.

What is left for middle Americans? They are unlikely to have a pension. They might have a 401(k) in which they managed to save something. According to the U.S. Department of Labor, the median amount in a private retirement plan for workers in the public and private sectors is $ 44,000. To put that into perspective, a year in an assisted living facility for one person is $ 43,000, according to Genworth’s annual Cost of Care Survey.

Annuities can help Americans save and build on those savings. The products also offer choices for living benefit withdrawals along with other options.

You don’t need a half million dollars in investable assets to talk to an insurance agent. You just need to pick up the phone and call.

The insurance industry does not have all the answers, although it has some important solutions for consumers. But consumers are not getting straight information on these products when they seek it. Instead, they are being misled by a segment of the financial services sector for its own gain.

Obviously, we need greater annuity awareness. A couple of groups that we feature in this edition are focusing on the cause.

In fact, we at InsuranceNewsNet will be doing our part. We are starting an effort to get better information to consumers, call attention to the segment’s importance in the American economy and help uphold high standards within the industry. We will be rolling out those campaigns in the next few months.

With some of these efforts, maybe this time next year when people search for “Should I buy an annuity?” they will find a straight answer to help them write the next chapter of their lives.

What will you be doing to help the cause?

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16 non-crash car injuries — and whether insurance covers them

When you think of the damage cars can inflict on people, traffic accidents probably leap to mind. Yet crashes are only one cause of car-related injuries.

In 2011 and 2012, an average of 647,000 people suffered non-crash car injuries each year, according to estimates from a recent National Highway Traffic Safety Administration (NHTSA) report.

Hurt by tire changeHere are the three most common injury causes cited in the report:

  • Being struck by a vehicle part, such as a door or trunk lid, or striking a vehicle (32 percent of all injuries reported)
  • Falls while entering or exiting vehicles (23 percent)
  • Overexertion, such as from unloading cargo from a trunk or the back of a pickup (11 percent)

Will your injuries be covered by your car insurance policy? The answer depends on what types of coverage you have and the nature of the incident.

Here are 16 ways your car can hurt you outside of a crash – and whether your injuries will be covered by your car insurance.

1. Slammed hand in car door

The NHTSA study found that an estimated 132,000 people per year are injured while closing a vehicle door. An estimated 2,000 people have a body part injured while closing a window.

If you slam a hand, finger or other body part in a closing car door or window, the injury should be covered if you have personal injury protection (PIP) or medical payments (MedPay) coverage.

In general, PIP will cover bodily injuries that arise out of the ownership, maintenance or use of a motor vehicle.  MedPay will typically cover injuries that occur while one is occupying a vehicle, which includes getting into and out of the vehicle.

Car insurance policies do vary, however, depending on state laws and your own car insurance company’s rules, so look for definitions of bodily injury under your PIP and MedPay coverage to determine what coverage you have.  Keep in mind, though, that if car insurance covers your injury, that coverage is normally primary while your health insurance is secondary.

2. Jumped or fell out of pickup truck bed

Jumping out of a pickup truck bed isn’t usually a great idea, especially if you land wrong and break your ankle or injure another body part.  However bad the idea, insurers still consider you a vehicle occupant, so PIP and medical payments would normally cover the injuries.

If you injure yourself when getting in or out of your truck bed, or just out of your sedan, you’re not alone. The NHTSA study estimates that an average of 147,000 people injure themselves each year entering or exiting a vehicle. 

If you weren’t trying to exit the truck but fell when sitting on the tailgate or took a misstep, your injuries should be covered by PIP or MedPay.  And don’t feel too embarrassed: The NHTSA estimates that falls from vehicles – including tumbles from hoods, trunks, roofs or tailgates – happen to about 38,000 people annually.

An additional 3,000 people are injured each year from falling inside of a vehicle, which also should be covered by PIP or MedPay. 

3. Overexerted while unloading cargo

Overexertion may show up on the NHTSA list as the third most common non-crash car injury, with an estimated 68,000 individuals complaining of it annually, but it is a stretch to get your car insurance to cover it.

Likely your auto insurance provider would say it was a self-inflicted injury that you could have prevented by pacing yourself and that it wasn’t directly related to the operation of your car – for instance, if you overexert yourself loading or unloading cargo from your vehicle.

However, if you overexert yourself pushing a disabled vehicle off the road, this may be covered by PIP since it could be seen as an unfortunate event arising out of the ownership and use of your vehicle.

4. Hit head on vehicle’s hood or trunk lid

If you bang your head so badly on a part of your car you need a doctor to look you over, your PIP coverage should cover your medical expenses.  The same would hold true if you didn’t secure your hood properly and it fell on your head as you were working in the engine compartment, since this pertains to the maintenance of your vehicle. 

MedPay might also cover both incidents, depending on whether your policy terms consider reaching in the trunk or looking under the hood as “occupying” the vehicle.  

The NHTSA estimates that 10,000 people each year are hurt by a trunk lid.  An estimated 5,000 people are injured each year by a vehicle’s hood.

5. Had foot run over

If you are a passenger who just got out of the car or were about to get in it when your foot was run over, then MedPay may cover your injuries.  PIP will cover you as the passenger, owner or relative of the car owner.

If you had no connection to the car that ran over your foot – say, you were just walking past it – then you should collect the owner’s car insurance information because you can make a claim against the owner’s bodily injury liability coverage.

6. Sustained an injury during carjacking

Having your car stolen is covered by comprehensive coverage, but what if you are physically injured as the thief takes your vehicle? 

The injuries you sustained may be covered by PIP or MedPay coverage, but insurance companies look at a multitude of factors, such as whether the injury took place inside or outside of the vehicle, the specific terms of your policy, state laws and the outcome of previous court cases.

Courts in both Florida and Washington have found that PIP should pay for bodily injuries resulting from acts of violence associated with the use of your car.

The Anti-Car Theft Act made carjacking a federal offense. If serious injuries occur during the carjacking, the culprit can get up to 25 years. If the victim dies from those injuries, the individual can be imprisoned for life or sentenced to death.

7. Kicked car, hurt foot

Whether you’re angry because your car needs repairs or because you’re upset that your girlfriend just broke up with you, if you injure yourself by kicking, hitting, punching or otherwise striking your car, you’re out of luck for coverage for your car’s damages or your injuries.

While acts of negligence and stupidity are typically covered by car insurance policies, intentional acts are not. So, instead of PIP or MedPay coming to your rescue, you’ll need to use your health insurance for any injury you sustain in this manner.

This might come as bad news to a lot of people: An estimated 55,000 people injure themselves this way each year.

8. Hit by a car part or foreign object while working on car

If your car insurance company’s definition of PIP covers bodily injury that arises out of the ownership, maintenance or use of a motor vehicle, you should be covered if you’re hit by part of your car or a foreign object when working on your vehicle.  If you hire someone to work on your vehicle, he should be covered by worker’s comp if injured. 

The NHTSA study estimates that 16,000 individuals are harmed each year by foreign objects while working on their cars – think dropping a tool on yourself while working under the car.

9. Burned by battery acid

Tinkering with your car’s battery to make sure the cells are full or trying to jump-start a dead battery could result in battery-acid exposure if things go wrong.  However, your PIP should cover this type of incident. This holds true also for burns caused by removing a hot radiator cap or dealing with antifreeze, since it all has to do with the maintenance of your vehicle. Radiator or antifreeze burns injure 6,000 each year, according to NHTSA estimates.

Depending upon how your insurer views the maintenance of your vehicle, chemical burns from cleaning, painting or washing your vehicle may also be covered by PIP.  An estimated 1,000 people are injured this way each year.

10. Struck by a falling person

Though it’s not common, people sometimes literally fall out of the sky and onto a motor vehicle. In 2014, a San Francisco window washer fell 11 stories and bounced off a moving car.  While the driver wasn’t injured, if he or his passengers had been, PIP and MedPay would have covered the incident.

Without PIP or MedPay car insurance coverage, the car’s occupants could have put claims in with the window washer company’s liability coverage.

11. Tire or other object smashed into vehicle

If a foreign object smashes into or onto your car and causes you bodily injury, you can file a claim through your PIP or medical payments coverage.

The injury can be sustained by a piece of gravel that flies through an open window, an object falling off a truck bed, or even a lost tire careening wildly down the road, such as the one that caused considerable damage to a car in Los Angeles last year. Luckily, the driver sustained only minor injuries. The tire’s owner was never found, but if he had been, injury claims could have been placed through his vehicle’s bodily injury liability coverage.

The NHTSA study reports that an estimated 2,000 people complain of being injured by a foreign object while driving a vehicle each year.

12. Hurt while changing a tire

According to NHTSA’s estimates, about 9,000 motorists lacerate themselves each year while changing a tire. Injuries sustained while using a jack to change a tire, typically from the jack slipping or failing, happen to an estimated 3,000 people each year. Beyond this, an estimated 10,000 hurt themselves each year in other jack- or hoist-related incidents.

Since these tasks typically fall under ownership and maintenance of your vehicle, PIP should cover your resulting injuries in these cases. 

13. Burned by a muffler or exhaust pipe

If you or your passenger brushes up against your car’s hot muffler or exhaust pipe, any injuries should be covered by either PIP or medical payments. 

An estimated 1,000 people are injured by these types of burns each year, though other heat-related burns injure an additional 3,000 people, according to NHTSA estimates. 

14. Burned by a non-crash fire

If you’re inside a car that catches on fire and you get burned, PIP and medical payments will cover your injuries even if the fire didn’t start from a car crash. However, if your burns are quite severe and your PIP or MedPay limits are exceeded, you will have to look to your health insurance.

The NHTSA estimates that 2,000 people are hurt by non-crash vehicle fires each year.

15. Cut by car

Accidently cut your finger on your license plate, mirror, window or other sharp edges of your vehicle while driving or working on it?  Your PIP coverage should apply – unless you did the damage intentionally, like busting a window out of anger or to gain access to your locked vehicle.

The NHTSA estimates that 60,000 people a year cut themselves on a part of their vehicle. 

16. Poisoned by carbon monoxide

This colorless, odorless gas is present in car exhaust fumes, and inhaling too much of it can have consequences ranging from disorientation to death. An estimated 2,000 people suffer carbon monoxide poisoning from cars each year.

Assuming the exposure was encountered in normal use of your vehicle, PIP should cover the costs of treatment.

A good reason to check the fine print

It can be frustrating to suffer one of the mishaps above and find that your insurance won’t cover it. To ensure your insurance company offers the types of coverage you want, it’s important to review policy details carefully when you compare carriers.

You may never suffer any of the injuries above. But if you find that several companies offer very similar car insurance quotes, the fine print in those policies might make your decision a little clearer – particularly if you’ve ever been on the wrong end of a slamming car door.

Personal injury protection is required by law in Delaware, Florida, Hawaii, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon and Utah. Only Maine and New Hampshire require MedPay as part of your car insurance coverage.

PIP usually has a deductible – and the cost of treating a minor cut or burn might not reach that level. Choosing a higher deductible will lower your premiums, of course. MedPay usually does not have a deductible.

Most other states offer PIP and/or medical payment as optional coverages. If you don’t have health insurance, experts strongly recommend you carry PIP or MedPay so that you have access to health care when you need it most.

More from Penny Gusner here

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Car Insurance News

How to add your baby to your health plan

Congratulations on your new baby! While you are figuring out the whole parenting thing, it is also very important to make sure that your little one has proper health coverage. adding baby

Welcoming a child qualifies you for a Special Enrollment Period, a short window of time to sign up for health insurance. However, the clock starts ticking the minute you give birth: You only have 60 days to add a new baby to a plan purchased through a health exchange.

Here are four simple steps for adding a new baby to your health insurance plan:

  1. Review your budget. Make sure you can afford the increase in insurance premiums from the addition of a new baby to the health insurance plan during your Special Enrollment Period. Contact your state’s department of health to learn more about options for low cost coverage.
  1. Notify your health insurance carrier. If you do not notify your insurance provider of the addition of a new baby within the allotted time period, you will be financially responsible for all medical costs.
  1. Submit all required paperwork. Be sure to turn in all paperwork in a prompt and timely manner to add a new baby to your coverage.
  1. Take advantage of the maternity and newborn care covered under the 10 Essential Health Benefits.

We’re here to help you find a plan that meets your growing family’s health and budgeting needs during your Special Enrollment Period.  To speak with a GoHealth licensed insurance agent, call us at 888-322-7557, or start comparing your health plan options here.

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Go Health Insurance Blog

Lea Michele’s Rolling In The New Range Rover

Lea Michele’s gone from one trendy Hollywood car to another. We always used to see Lea driving around in her Toyota Prius (an old favorite around Hollywood) but now she’s been spotted driving a new Range Rover Sport (another popular choice in Hollywood). She probably should have just skipped the Rover and gone for the Tesla in our opinion but oh well…

Photos (Zimbio)
Shout out to Tomas for the tip!

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Celebrity Cars Blog

Why Are Some Cars Written Off By Insurers?

If your car is involved in a car accident you will notify your car insurance company who will assess your claim. One of the things that they will need to consider is whether the vehicle is so badly damaged that it is beyond repair and should be written off. If that is the case, you will no doubt be offered a sum of money in order to go out and buy another car.

If a car is beyond repair it may be written off and scapped which provides some protection for the motorist to make sure badly damaged cars do not end up back on our roads

Car insurance companies write cars off because they are beyond repair.

Another reason why a car is written off by a car insurer is to make sure that it does not end up back on the road when it is in no fit state to be driven again as, if it did, it could present a danger to other vehicles, property and people.

There is a code of practice in place that is voluntary that includes the likes of those involved in the motor insurance industry, the police, salvage firms and the licensing authority. Under this code of practice there are four salvage categories: –

Category A – this is where a car is recommended to be crushed/scrapped as there are not even any car parts that could be used due to the vehicle being so badly damaged.

Category B – the car body would be crushed but some of the car parts could be used on another car.

Category C – although it may be possible to repair the car, the cost of doing so is greater than the value of the car before the accident took place.

Category D – it may be possible to repair the car with the cost of doing so not expected to be more than the value of the vehicle.

So, as you can see, if the car comes under Category A or B you should never see the car back on the road. However, in the case of Category C or D, you may see the car on the road having been suitably repaired. Fortunately, there is a system in place that should ensure vehicles under Category A and B do not end up being driven by anyone again.

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"New Rules" to Guide Health Care Redesign

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