About Car Insurance Todays
We are a team of experts who has been working in the car insurance industry for over 10 years. Our combined experience allows us to provide expert advise on auto insurance and answer the most frequently asked questions along with helpful articles to get you started on getting the right car insurance coverage for less.
Besides providing car insurance quotes, we aim to help educate customers on various aspects of car insurance and provide a choice of leading insurers in 50 states so customer can compare deals from multiple insurance companies using one single page.
Should you have any questions or suggestions, feel free to contact us at :
support@carinsurancetodays.com
Rabu, 04 September 2013
Terms of Service
Web Site Terms and Conditions of Use
1. Terms
By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trade mark law.
2. Use License
Permission is granted to temporarily download one copy of the materials (information or software) on Car Insurance Todays's web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
modify or copy the materials;
use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
attempt to decompile or reverse engineer any software contained on Car Insurance Todays's web site;
remove any copyright or other proprietary notations from the materials; or
transfer the materials to another person or "mirror" the materials on any other server.
This license shall automatically terminate if you violate any of these restrictions and may be terminated by Car Insurance Todays at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.
3. Disclaimer
The materials on Car Insurance Todays's web site are provided "as is". Car Insurance Todays makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Car Insurance Todays does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.
4. Limitations
In no event shall Car Insurance Todays or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on Car Insurance Todays's Internet site, even if Car Insurance Todays or a Car Insurance Todays authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
5. Revisions and Errata
The materials appearing on Car Insurance Todays's web site could include technical, typographical, or photographic errors. Car Insurance Todays does not warrant that any of the materials on its web site are accurate, complete, or current. Car Insurance Todays may make changes to the materials contained on its web site at any time without notice. Car Insurance Todays does not, however, make any commitment to update the materials.
6. Links
Car Insurance Todays has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Car Insurance Todays of the site. Use of any such linked web site is at the user's own risk.
7. Site Terms of Use Modifications
Car Insurance Todays may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.
8. Governing Law
Any claim relating to Car Insurance Todays's web site shall be governed by the laws of the State of Cairo without regard to its conflict of law provisions.
General Terms and Conditions applicable to Use of a Web Site.
1. Terms
By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trade mark law.
2. Use License
Permission is granted to temporarily download one copy of the materials (information or software) on Car Insurance Todays's web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
modify or copy the materials;
use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
attempt to decompile or reverse engineer any software contained on Car Insurance Todays's web site;
remove any copyright or other proprietary notations from the materials; or
transfer the materials to another person or "mirror" the materials on any other server.
This license shall automatically terminate if you violate any of these restrictions and may be terminated by Car Insurance Todays at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.
3. Disclaimer
The materials on Car Insurance Todays's web site are provided "as is". Car Insurance Todays makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Car Insurance Todays does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.
4. Limitations
In no event shall Car Insurance Todays or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on Car Insurance Todays's Internet site, even if Car Insurance Todays or a Car Insurance Todays authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
5. Revisions and Errata
The materials appearing on Car Insurance Todays's web site could include technical, typographical, or photographic errors. Car Insurance Todays does not warrant that any of the materials on its web site are accurate, complete, or current. Car Insurance Todays may make changes to the materials contained on its web site at any time without notice. Car Insurance Todays does not, however, make any commitment to update the materials.
6. Links
Car Insurance Todays has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Car Insurance Todays of the site. Use of any such linked web site is at the user's own risk.
7. Site Terms of Use Modifications
Car Insurance Todays may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.
8. Governing Law
Any claim relating to Car Insurance Todays's web site shall be governed by the laws of the State of Cairo without regard to its conflict of law provisions.
General Terms and Conditions applicable to Use of a Web Site.
Rabu, 29 Mei 2013
Report: #1045981 Complaint Review: CJA Marketing
CJA Marketing CJA and Associates Sold defective retirement plans costing us hundreds of thousands of dollars
Beware Of This Company
They are in big trouble with IRS and class action law suit pending.
Selasa, 21 Mei 2013
Is Data Breach Covered Under My Tech E&O Policy?
Is Data Breach Covered Under My Tech Errors and Omissions Policy?
So you are the proud owner of a brand new technology errors and omissions policy. You are so excited that most of your professional services are covered and that you can go into every new contract confidently knowing that if something goes wrong and your software or app glitches that you'll be covered. Then you stop to ask yourself:
What if my customer's data gets hacked or stolen?
There are two answers for this question. You need to know the difference, so you don't end up owing thousands of dollars for something you could have prevented.
Answer 1:
Yes, you are covered!
On most technology E and O forms, the data you work with in order to perform your professional service would be covered in case it was hacked, stolen, or destroyed.
For example, a software company that creates a database system for medical records may need access to the files in order to create the enterprise software. While creating the software, the main software programmer's laptop is stolen along with access to 1000s of his client's medical records. Because the programmer was performing a professional service, it would covered.
Answer 2:
No, you are NOT covered!
If you keep digital or paper records of customer's credit cards and company information and your company's computers get hacked and that information is stolen, there is no coverage under the technology E and O form.
I could write an entire post on data breach, but here are a few of your responsibilities:
The difference is that the information is not being stored as part of your professional service.
So, where can you get coverage for customers' sensitive information?
You need to buy a separate data breach policy or add data breach coverage to your general liability. If you buy a combo general liability/tech E and O package policy, you most likely have the option to add this coverage. One insurance company that does a great job of this is The Hartford (http://www.thehartford.com/business-insurance/technology-liability-insurance).
Usually, this coverage only costs an additional $400-$1,000 per year, but can save you a lot in the back end if there is ever a breach.
According to the cited Experian article above, 76% of companies who had experienced a breach of customer data believed the incident had a moderate or significant impact on the organization’s reputation.
Make sure you can bounce back quickly and effectively if you ever have a breach.
Besides insurance, what are ways you safe guard your customers' sensitive data?
So you are the proud owner of a brand new technology errors and omissions policy. You are so excited that most of your professional services are covered and that you can go into every new contract confidently knowing that if something goes wrong and your software or app glitches that you'll be covered. Then you stop to ask yourself:
 |
| Data Breach can happen to any company. Are you covered? |
What if my customer's data gets hacked or stolen?
There are two answers for this question. You need to know the difference, so you don't end up owing thousands of dollars for something you could have prevented.
Answer 1:
Yes, you are covered!
On most technology E and O forms, the data you work with in order to perform your professional service would be covered in case it was hacked, stolen, or destroyed.
For example, a software company that creates a database system for medical records may need access to the files in order to create the enterprise software. While creating the software, the main software programmer's laptop is stolen along with access to 1000s of his client's medical records. Because the programmer was performing a professional service, it would covered.
Answer 2:
No, you are NOT covered!
If you keep digital or paper records of customer's credit cards and company information and your company's computers get hacked and that information is stolen, there is no coverage under the technology E and O form.
I could write an entire post on data breach, but here are a few of your responsibilities:
- You would be responsible in notifying every customer that could have lost data (PR Nightmare)
- Offer to monitor credit for at least a year
- Validating addresses
- Hiring a data breach response company
- If not done in 30-45 days there can be hefty fines and penalties
- Here's a guide for data breaches from Experian: http://www.experian.com/assets/data-breach/brochures/response-guide.pdf
The difference is that the information is not being stored as part of your professional service.
So, where can you get coverage for customers' sensitive information?
You need to buy a separate data breach policy or add data breach coverage to your general liability. If you buy a combo general liability/tech E and O package policy, you most likely have the option to add this coverage. One insurance company that does a great job of this is The Hartford (http://www.thehartford.com/business-insurance/technology-liability-insurance).
Usually, this coverage only costs an additional $400-$1,000 per year, but can save you a lot in the back end if there is ever a breach.
According to the cited Experian article above, 76% of companies who had experienced a breach of customer data believed the incident had a moderate or significant impact on the organization’s reputation.
Make sure you can bounce back quickly and effectively if you ever have a breach.
Besides insurance, what are ways you safe guard your customers' sensitive data?
Kamis, 17 Januari 2013
What Insurance Should a Technology Start-Up Consider?
 |
| Is your tech company protected properly? |
At different stages of the Start-Up process, you may want to consider different policies.
In the beginning stages you may want to pick one or two of the following policies because of limited resources.
Once you procure funding and are trying to attract the best of the best, you may want to purchase all of the policies below.
Here are the policies you may want to consider in no particular order:
•Technology Errors & Omissions (Tech E&O) – Insurance for failures in your technology service that could cause customers damages. Tech E&O is most likely your most important policy because most everything you do would be considered a professional service and is excluded from the General Liability policy.
•Data Breach/Privacy Coverage – In case you lose sensitive employee or customer data, this policy pays to notify, monitor credit, and anything else you need to do in case of a breach.
•Media Coverage – If you are doing any kind of media/social networking. Some of these coverages are added automatically to the Personal & Advertising injury section of the General Liability policy, but are explicitly excluded for companies with a media focus. Examples of these exposures include: unintentional copyright violations, libel, slander, etc.
•International Coverage – If you have operations outside the coverage area (US, US Territories, and Canada)
•General Liability Coverage – This is your most basic insurance that most contracts will require: covers basic trip and fall. You can also add supplementary auto coverage for rented and non-owned (including employee) vehicles. If you have company vehicles, you should consider purchasing a Business Auto Policy.
•Property – Cover your computers, servers, tenant improvements. In addition, business income is added to this policy; look for coverage including business income for Denial Of Service attacks, etc.
•Directors & Officers – Insurance if you have investors or stakeholders. Directors and Officers can be held personally liable for decisions of the company, so this coverage can be crucial in securing high profile board members.
•Disability – Insurance for the owners if they are in an accident and no longer able to work.
•Key Man Life – Insurance policy in case something happens to your partner. Both partners buy life insurance policies on each other, so they can buy out the partner’s share. This way you avoid becoming partners with that person’s significant other.
•Health Insurance – Great way to keep your employees on board and attract great talent.
•Workers’ Compensation – Mandated by CA state law even if you just have one part time employee. Good news is that rates for most technology workers are very inexpensive.
•Employee Practices Liability – Protect yourself from employment related lawsuits: wage & hour, wrongful termination, discrimination, etc.
Some of these policies are offered in packages, while others are sold separately. Most large companies that contract smaller technology services companies will require you to have General Liability, Technology E&O, Workers’ Compensation, and Business Auto.
Talk to an independent agent to see which of these coverages would be a best fit for your business.
This article was originally published on the Co-Merge website on Jan 11, 2013.
Jumat, 11 Januari 2013
Raymond Ankner -Expected to be the biggest life insurance failure in Illinois : IRS Attacks CJA & CJA and Associates’ plans
Raymond Ankner -Expected to be the biggest life insurance failure in Illinois : IRS Attacks CJA & CJA and Associates’ plans: To Read More: http://taxshelteraudits.org/2011/10/14/irs-attacks-cja--cja-and-associates-plans.aspx
Liquidation Comes For Lavish Insurer
January |By Laurie Cohen
In 1990 Chicago insurance executive Raymond Ankner flew about 100 of his top agents to Germany to celebrate Oktoberfest in Cologne. The cost of the trip was $800,000, billed to Ankner`s businesses.
But insurance regulators were already beginning to question expenses at his main insurance unit, InterAmerican Insurance Co. of Illinois. When the Illinois Insurance Department obtained a court order last month to liquidate the company, court papers showed a balance sheet crowded with overvalued real estate and questionable intercompany transactions and reinsurance arrangements.
The collapse of InterAmerican is expected to be the biggest life insurance failure in Illinois history, with a gap of more than $30 million between assets and liabilities. It has placed in the hands of state regulators the largest real estate and mortgage
ever managed by the department. InterAmerican`s $33 million portfolio of mortgages and real estate covers several investments on Chicago`s Near West Side, including a loan on its headquarters at 901 W. Jackson Blvd. There also are more far-flung holdings, such as loans to donut shops in Michigan and a bed-and-breakfast in Vermont. Nearly half the $20.5 million in mortgage loans are behind on payments, according to department officials.
Regulators are still investigating the possibility that company funds were improperly used. No charges have been filed, and Ankner denies any suggestion of wrongdoing.
A report by an independent accountant hired by the Insurance Department highlights several questionable charges, such as a $53,681 check to Neiman-Marcus Co. for catering a 1989 Christmas party at Ankner`s apartment here, the company`s payment of most of his $5,200 monthly rent and even a portion of the salaries of Ankner`s gardener and housekeeper in Vermont.
The collapse of InterAmerican is expected to be the biggest life insurance failure in Illinois history, with a gap of more than $30 million between assets and liabilities. It has placed in the hands of state regulators the largest real estate and mortgage
Portfolio.
Regulators are still investigating the possibility that company funds were improperly used. No charges have been filed, and Ankner denies any suggestion of wrongdoing.
A report by an independent accountant hired by the Insurance Department highlights several questionable charges, such as a $53,681 check to Neiman-Marcus Co. for catering a 1989 Christmas party at Ankner`s apartment here, the company`s payment of most of his $5,200 monthly rent and even a portion of the salaries of Ankner`s gardener and housekeeper in Vermont.
The information provided herein is not intended as legal, accounting, financial or any other type of advice for any specific individual or other entity. You should contact an appropriate professional for any such advice.
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