Entries by Dale Williams

Do I Need Roadside Assistance Coverage?

Roadside assistance is one the most convenient insurance coverage you can purchase. More and more drivers are benefitting from adding roadside assistance coverage to their auto insurance policy. If your daily commute is long or your vehicle is no longer under warranty, you should consider to buy it. Generally, roadside assistance will get you Towing […]

They’re Just Tires, What’s the Big Deal?

Welcome to Ben’s Chronicles Hello! I’m Ben from EINSURANCE. Trust me, I know there are plenty of things we’d both probably rather be doing than discussing insurance. But although insurance gets a bad rap, it does have its benefits; especially when you find the right coverage and carrier. Unfortunately, throughout my life I have had […]

Uber vs. Ambulance: What Should I do?

The Rise of Ride-sharing Ride-sharing has taken the world by storm, and fundamentally changed the way people travel. Back in the day, people that didn’t own a vehicle would debate whether to hail an expensive taxi or take the more cost-effective option, public transportation. The introduction of companies such as Uber and Lyft have changed […]

How to Reduce Workers Compensation Costs

How to Reduce Workers Comp Costs? Workers compensation insurance is required in all states. It pays medical expenses and lost wages that result from job-related injury or illness, which is typically the largest component of employees’ risk management programs. Workers Compensation Insurance is not health insurance and is designed specifically for injuries sustained on the […]

What Is Special Enrollment Period (SEP)?

Special Enrollment Period (SEP) Special Enrollment Period allows you to enroll in health coverage outside of the annual open enrollment period if you experience certain life events, including losing health insurance coverage, moving, getting married, having a baby, etc. You usually have up to 60 days following the event to enroll in a plan if […]

Emergency Room – Proceed With Caution

Welcome to Ben’s Chronicles Hello! I’m Ben from EINSURANCE. Trust me, I know there are plenty of things we’d both probably rather be doing than discussing insurance. But although insurance gets a bad rap, it does have its benefits; especially when you find the right coverage and carrier. Unfortunately, throughout my life I have had […]

How Does Pet Insurance Work

What Is Pet Insurance? Pet health insurance generally covers accidents and illnesses to your dog or cat. In most cases hereditary issues and pre-existing conditions are not covered, however certain policies can be purchased that cover specific hereditary problems. Each company and policy offers different options, so make sure to check your policy to get […]

How To Switch Car Insurance

How to switch car insurance? There are 3 steps you should take when switching your car insurance. First, it is always smart to shop around and compare quotes before settling on a new insurance carrier. Second, call your current insurance company to see if they are willing to price match the other quotes you received. […]

SR22 Insurance: What Does It Cover?

SR22: What Is It? SR22 (also known as SR-22, SR 22, SR22 Form), is a vehicle liability insurance document required by most state department of motor vehicles (DMV) offices for “high-risk” insurance policies. SR-22 coverage means that you meet state’s auto insurance minimum requirements for driving and is NOT auto insurance itself. Do I Need […]

Homeowners Association (HOA) Fees

Homeowners Association and HOA Fees HOA, also known as Homeowners Association, is an organization typically founded and put in place by a real estate developer in order to manage a community of houses, condominiums or townhouses. HOA fees are expenses paid monthly by owners to cover the costs of maintaining the building’s common areas. What […]

Top 10 Defensive Driving Techniques

Defensive driving is a term that has become synonymous with ‘safe’ driving. While it is true, utilizing defensive driving techniques will undoubtedly result in safer driving, safe driving and defensive driving are different. Safe driving encompasses things such as: Checking your oil, gas and other gauges prior to driving Not driving while impaired (sleepy, drinking, […]

Ultimate Guide to Credit Card Travel Insurance

Can you count on your credit card travel insurance? The answer is, it depends. Credit cards usually provide trip cancellation insurance, interruption coverage, lost and delayed luggage coverage and travel accident insurance. But sometimes credit card insurance can fall short. For example, trip cancellation coverage may have limited reimbursement regarding hotels you reserved or flights […]

Should You File Auto Insurance Claims?

Welcome to Ben’s Chronicles Hello! I’m Ben from EINSURANCE. Trust me, I know there are plenty of things we’d both probably rather be doing than discussing insurance. But although insurance gets a bad rap, it does have its benefits; especially when you find the right coverage and carrier. Unfortunately, throughout my life I have had […]

When is The Best Time to Buy a House?

Best Time to Buy a House There are multiple factors that can influence you when looking into buying a house, such as pricing, interest rate levels, personal financial situation, etc. In general, prices are depressed around January due to people selling their house at a lower price point and being willing to negotiate. Buyers can […]

Drone Insurance Guide

Drone Insurance Introduction The drone industry has heated up in recent years, the same with accident rates, so drone insurance coverage is a must. Drone insurance acts like any other traditional insurance policy. If you lose your drone or are involved in any accidents, the policy will cover your damage and liability costs to some […]

Dental Coverage – Protect Your Pearly Whites

Welcome to Ben’s Chronicles Hello! I’m Ben from EINSURANCE. Trust me, I know there are plenty of things we’d both probably rather be doing than discussing insurance. But although insurance gets a bad rap, it does have its benefits; especially when you find the right coverage and carrier. Unfortunately, throughout my life I have had […]

Group Health Insurance Plans – All You Should Know

Group Health Insurance Plan Definition Group health insurance plan is employer-provided health insurance coverage for eligible participants or employees. The benefit of group health insurance plans is that it spreads risk across insured employees, which can help keep insurance premiums low. Is Group Health Coverage Required? There is no law requiring small business owners to […]

5 Ways to Save Money on Life Insurance

Life insurance is an important form of coverage. While life insurance policies vary depending on the type of life policy and its coverage benefits, most life insurance policies are set up so that in the event of a person’s death, a sum of money is paid to the chosen beneficiary. There are 3 main types of life insurance […]