Will car insurance pony up for extra expenses?

Dear Driving for Dollars,
My parked car was hit by a drunken driver and deemed a total loss. The guy had car insurance and it took the adjuster 15 days to assess the damages. I missed work several days and my brother drove me to work the rest of the time.

Save on your auto insurance -- compare quotes from reputable insurers

I lost money not working and my brother had to pay extra for gas. Can I get them to reimburse me what they would have paid for a rental car? Also, my car had brand new tires, brakes and a battery. Can I recover those costs, too?
-- Chris

The Best Ways to Avoid Falling Into Payday Lending Purgatory

NEW YORK ( MainStreet) — When your rent is due and your bank account is empty, it can get scary. Butturning to a payday lender to satisfy your landlord or other creditor is scarier. Internet and storefront payday lenders collect more than $7 billion in interest and fees on $40 billion in loans each year, according to theConsumer Federation of America . But rather than solving financial woes, these high-cost quickie loans actually create them, according to research showing consumers who take out payday loans have more trouble paying mortgage, rent and utilities than those who don’t.

Experts, naturally, advise payday borrowers to think ahead, cut costs, boost income and build up a rainy day savings account . But if rain rolls in and you still can’t pay essential bills, then what?

Payday loans on decline in North West

Richard Wolff of R3

The popularity of payday loans is on the wane in the North West according to new research by R3, the trade body for insolvency practitioners.

It shows the number of people using payday loans has been falling steadily since its peak 18 months ago.

Money Matters: Payday Loans

Depending on who you talk to, payday loans are either a blessing or a curse.  Suzie King's was a nightmare that lasted about four years.

"I thought I would never get rid of them," she says.  "I felt like I was chained to them."

King took out her first loan online for a reason many parents can understand-- she needed to buy school supplies for her three kids.

"I thought oh wonderful," King says.  "I don't have to worry! I can get my kids all the stuff they need. But I wasn't thinking 'what about next month?"

Springfield Pastor Working To Protect Families From Predatory Payday Loans

A pastor from Springfield is part of a delegation working to help families struggling with payday loans.

James River Church's Chuck Greenaway was part of a group that met with officials of government agencies and members of Congress to find solutions for predatory loan practices.

Greenaway says loan businesses in Missouri can charge more than 450 percent in interest and hopes Congress will make changes.

As the Church and Community Pastor at James River Church, Greenaway tries to help families who are victims of predatory payday loans and come to the church to get help. 

Greenaway says he hopes that local, state and national leaders will take notice and work toward protecting people who are trapped in debt. 

Car insurance quotes provider announces new blog post explaining how to get special discounts on your next car insurance quote.

Car insurance quotes from Liberty Mutual Car Insurance, Allstate, Geico and more. Learn more about how to get special discounts and understand what affects your rates at our website.

Car insurance quotes provider announces new blog post explaining how to get the top discounts on your next car insurance quote. Get the lowest car insurance quote. Liberty Mutual Car Insurance and all other car insurance quotes companies. Compare now, visit our site today.

Learn more about how to get special discounts and understand what affects your rates at our website. Get top coverage for Motorcycle, ATV, RV, Boat / PWC, Collector, Auto, Property Insurance, Homeowners Insurance, Renters, Used Cars, Business & Also Pet insurance. Find an all in one solution for your personal and business insurance coverage needs. Get a quote today!

Lower your car insurance rate with special discounts from. Liberty Mutual Car Insurance and all other car insurance quotes providers, Liberty Mutual Car Insurance, Geico Car Insurance, Allstate and more.

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Payday, auto loans now regulated, but travel loans still snare servicemembers

DETROIT (Tribune News Service) — He was just 19 years old, new to the military, and at Goodfellow Air Force Base in San Angelo, Texas, for training.

That's when he fell into a financial trap.

A little short on cash but wanting to fly home to Michigan for Christmas, the airman called Easy Military Travel. The online agency looked official, with the slogan "the largest travel assistance provider for the U.S. Military." It helped servicemembers finance their travel needs and get them airline tickets, it said.

Kwiksure launches new website to promote faster insurance quotes and provide information on Hong Kong car insurance.

Leading motor insurance broker Kwiksure have announced the launch of their new website, which features a new quotation tool, new payment options and a system that makes finding the correct car insurance fast, easy and free.HONG KONG, April 29, 2015 (GLOBE NEWSWIRE) -- via PRWEB - Hong Kong based insurance broker Kwiksure have launched a new website that offers online insurance quotes for customers, and a wealth of information that can help with the decision of which plans to buy.

The new site promotes a platform where users are able to fill in their details, such as car type, number of years as a driver, number of claims in the past etc., that all go to generate various quotes from a range of insurance providers. These quotes can be saved on the website with an email address, which allows users to re-visit their options without having to complete the entire quote process again.

Finding Online Auto Insurance Discounts - Easier With Quotes!

Lowcarinsurancequotes.info (http://www.lowcarinsurancequotes.info/) announces a new blog post presenting several types of auto insurance discounts available.

• 

'Finding low cost auto insurance is now simple and efficient with the help of online services,' said Russell Rabichev, Marketing Director of Internet Marketing Company.

(PRWEB) April 30, 2015

Lowcarinsurancequotes.info has released a new blog post explaining how to find advantageous auto insurance discounts by comparing car insurance quotes.

Finding low cost coverage is no longer difficult. Drivers can now qualify for multiple auto insurance discounts, simply by following some a few steps. Getting the best auto insurance offers is no longer difficult, as comparison services are now widely available and are free.

It is now simple and efficient to compare quotes. Drivers can do this by visiting a single

The Best Ways to Avoid Falling Into Payday Lending Purgatory

NEW YORK ( MainStreet) — When your rent is due and your bank account is empty, it can get scary. Butturning to a payday lender to satisfy your landlord or other creditor is scarier. Internet and storefront payday lenders collect more than $7 billion in interest and fees on $40 billion in loans each year, according to theConsumer Federation of America . But rather than solving financial woes, these high-cost quickie loans actually create them, according to research showing consumers who take out payday loans have more trouble paying mortgage, rent and utilities than those who don’t.

Experts, naturally, advise payday borrowers to think ahead, cut costs, boost income and build up a rainy day savings account . But if rain rolls in and you still can’t pay essential bills, then what?

TIPS ON HOW DRIVERS CAN SAVE ON AUTO INSURANCE

 A report released on the website Insurance Quotes found that four in five Americans have not asked for some common discounts on their car insurance.

LOS ANGELES (KABC) --

A report released the website Insurance Quotes found that four in five Americans have not asked for some common discounts on their car insurance.

Bhavesh Patel is a pharmacist, and he had no idea his profession means he can get a sizeable discount on car insurance. For the last two years he had been paying too much for his cars.

Car insurance soars beyond inflation, as drivers fall into online traps

Drivers should be wary of big discount deals on online purchases, with many having "potential traps", ratings firm says.

Take care with online insurance.

Drivers are being warned not to be seduced by big discounts on comprehensive car insurance sold online, as premiums soared nearly five times the inflation rate in the past year.

Of the 53 car insurers analysed by ratings firm Canstar, 17 offered a discount of between 10 and 25 per cent for buying online, and eight offered cash savings of up to $100.

State Auto Insurance Agency Pricing Now Provided by Agencies at Insurance Website Online

State auto insurance agency pricing for 2015 is now provided to consumers to review using the Insurance Pros company website athttp://insuranceprosusa.com/auto-insurance.html.

Jbcurio / Foter

There are listings of agencies that are now provided that are different based on the location where motorists will operate cars, trucks, SUVs or vans in the U.S

Narrowing down costs for car insurance through state research will now be simpler for visitors of the Insurance Pros website. A better way to explore state auto insurance agency pricing is now offered through the search tool provided athttp://insuranceprosusa.com/auto-insurance.html.

The agencies that are now included for public research inside of the Insurance Pros search portal are all arranged according to state. Drivers will now be able to use a local zip code in order to review what policies and quotations are offered by each of the state providers inside of the system through the rest of the year.

"There are listings of agencies that are now provided that are different based on the location where motorists will operate cars, trucks, SUVs or vans in the U.S.," said an Insurance Pros company source.

Find Online Auto Insurance Plans That Cover Theft!

Cheapquotesautoinsurance.com (http://cheapquotesautoinsurance.com/) has released a new blog post, “What Should You Do If Your Car Was Stolen?”

“Car insurance can provide financial coverage for theft and vandalism.” said Russell Rabichev, Marketing Director of Internet Marketing Company.

Cheapquotesautoinsurance.com has released a new blog post explaining how to find financial coverage for theft by purchasing auto insurance.

Vehicle theft can be a main problem in some areas. Drivers who are concerned about the safety of their car, should purchase auto insurance. There are many car insurance plans that offer good financial coverage for theft and vandalism. Clients can now compare online car insurance quotes to save money.

Buying low cost car insurance is now possible simply by comparing quotes. Free auto insurance quotes are available on an insurance brokerage website like:http://cheapquotesautoinsurance.com . Here, they can compare multiple offers from top agencies in their area.

Cheapquotesautoinsurance.com is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from

Growing number of seniors account for Ontario insolvency filings: study

Seniors have the highest level of outstanding debt among people filing for insolvency in Ontario – including the largest balance of unpaid payday loans.

A study of 6,000 personal insolvencies in Ontario in 2013 and 2014 – including people who filed for bankruptcy or filed consumer proposals – shows a growing number of people over age 60 are among those hitting the debt wall.

Seniors accounted for 10 per cent of all insolvencies – up from 8 per cent four years ago – and had the highest level of unsecured debt at the time of their insolvency, averaging $69,031 each. That is 22 per cent higher than the average unsecured debt of $56,545 for all people filing for insolvency, according to the review by bankruptcy trustee firm Hoyes Michalos & Associates Inc.

Alliant Continues Expansion Efforts with Addition of Insurance Veteran Tim Ward

Company seeking top-tier brokerage talent from around the nation

NEWPORT BEACH, Calif.--(BUSINESS WIRE)--

Alliant Insurance Services, the nation’s largest specialty insurance brokerage firm, has announced that Tim Ward has joined the company as Assistant Vice President, Business Development. A 40-year insurance veteran, Ward will continue the company’s initiative to attract top brokerage talent from around the U.S. as part of its national expansion campaign.

“Alliant is expanding its reach across all facets of the business, and Tim will lead the charge to bring top producers to our talented brokerage team,” said Peter Carpenter, Chief Operating Officer of Alliant Insurance Services. “This will continue Alliant’s commitment to deploying the best talent in the business to service our clients.”

2 Vermont women sue over tribe's online lending practices

HELENA, Mont. (AP) — Two Vermont women are trying to open a class-action lawsuit that, if successful, could upend the practice of online lending companies using Native American tribes' sovereignty to skirt state laws against high-interest payday loans.

Jessica Gingras and Angela Given say in their lawsuit filed Wednesday in U.S. District Court in Vermont that Plain Green LLC is exploiting and extorting its borrowers through predatory lending in violation of federal trade and consumer laws.

Plain Green charges annual interest rates of up to 379 percent for its loans, which are typically used by low-income borrowers in need of emergency cash. The company is owned by Montana's Chippewa Cree Tribe, which uses the tribal-sovereignty doctrine to ignore states' laws that cap interest rates on payday loans.

Car Insurance Quotes Comparison Tool Can Easily Receive Quotes From Top Auto Insurance Quote Providers

Light Image Quotes announces car insurance quotes comparison tool. Get auto quotes from Geico, Liberty Mutual, Allstate and more.

Light Image Quotes announces new car insurance quotes comparison tool, so you can get car insurance quotes from Geico Car Insurance, Liberty Mutual, Allstate and more.

How are auto insurance quotes determined? Rates are based on a number of calculating factors, which are primarily focused on evaluating risk. Such factors include: age, gender, vehicle type, vehicle year, location, accident history, vehicle history, credit history, driving record, and vehicle mileage.

Visit our site to learn more and compare auto insurance quotes with the insurance quotes comparison tool. Find out if you quality for lower car insurance. Get the cheapest quotes with the Light Image Quotes car insurance quotes comparison tool. Receive fast auto quotes from Geico Insurance, Liberty Mutual, Allstate and more.

Get your vehicle, home, apartment, RV, ATV, boat, trailer, or even pet covered today!

Is Travel Insurance Worth Buying for Your Dream Vacation?

The come-ons for insurance are constant and often compelling when you travel. They start the moment you click on a booking site and sometimes don’t end until you disembark.

Want to insure your airline ticket? Your cruise? How about your luggage, pets or rental skis? Take a look around: There’s almost nothing that can’t be insured.

No surprise that travel insurance is a billion-dollar-a-year business. The industry has recorded steady year-over-year sales increases since 9/11, according to the U.S. Travel Insurance Association, a trade group.

But is insurance worth it? That depends.

If you’re Adam Creighton, yes. He purchased travel insurance before leaving for Colombia, where he was building homes for a nonprofit organization.

Payday loans: Predatory loan sharks or crucial fix in a pinch?

This is part of a Globe series that explores our growing dependence on credit – from the average household to massive institutions – and the looming risks for a nation addicted to cheap money. Join the conversation on Twitter with the hashtag #DebtBinge

It all began with a pair of jeans.

Robbie McCall wanted to give his daughter a new pair for Christmas. But he was short of cash. Mr. McCall, 47, lives on a fixed disability payment of $1,350 a month and he just didn’t have the money to buy them.

Payday loans: What are the alternatives?

Critics of high-cost payday loans say many people have no borrowing options from mainstream financial institutions to get quick loans in small amounts, so they turn to payday lenders as their only practical alternative. But a range of diverse organizations are now proposing new models, saying there are better ways to provide loans to low-income people.Church of England

In the U.K., the Church of England has launched a direct attack at the payday loan industry, announcing plans to set up its own credit union through the nation’s churches. Justin Welby, Archbishop of Canterbury, has led the charge, declaring that he wants to put leading British payday lender Wonga out of business. After an embarrassing initial misstep when the church discovered it had invested £100,000 ($189,000) in Wonga’s parent

3 Insurance Stocks Set To Boost Your Returns: Aviva plc, Prudential plc And Direct Line Insurance Group PLC

RELATED QUOTES

Symbol	Price	Change
AV.L	521.90	-13.60
DLG.L	322.60	-3.60
PRU.L	1,637.00	-31.50
AV	16.34	+0.19

Keen investors may have noticed that Warren Buffett is a big fan of the insurance sector. That's at least partly because the business entails insurance companies receiving income from customers, investing it, then paying out roughly the same in claims as they received, while keeping the returns from the investments. If payouts for claims increase, premiums go up and this means that, in the long run, insurance can prove to be a very profitable space.

Valuations

Which State's Drivers Pay the Highest Car Insurance?

Insurance companies take a lot into account when they decide how much to charge you for car insurance.

But no matter how great your driving record, expect to pay a lot more in Michigan.

Drivers there pay 136 percent - more than double - the national average, according to data from insuranceQuotes.com. North Carolina drivers get the best deal, paying 41 percent less than the national average.

A chip card doesn’t guarantee greater security

So you think your electronic payments are now more secure because your bank sent you a credit card or debit card that has a computer chip in it? Think again.

Getting a chip card solves only half of the puzzle when it comes to heightened security. That’s because the chip isn’t any good unless a merchant has upgraded check-out terminals to accept the new technology. Currently, both banks and retailers are scrambling to make the transition.

First Acceptance to Acquire Titan Non-Standard Automobile Insurance Agencies

First Acceptance to Acquire Titan Non-Standard Automobile Insurance Agencies

NASHVILLE, TN, April 27, 2015 -- First Acceptance Corporation (FAC), d/b/a Acceptance Insurance, a leader in the non-standard automobile insurance industry, announced today that it has entered into an agreement to acquire certain assets of Titan Insurance Services, Inc. and Titan Auto Insurance of New Mexico, Inc. (the "Titan Agencies"). These agencies sell private passenger non-standard automobile insurance principally in California, but also in Texas, Arizona, Florida, Nevada and New Mexico. The Titan Agencies are owned and operated by Nationwide. Through these Titan-branded stores, the Titan Agencies sell policies through both Nationwide and other unrelated insurance companies.

How my husband and I paid off $62,000 in 3 years

Two weeks before my senior year of college, I realized that my student debt was out of control.

As I packed my bags in preparation for another semester, I overturned a thick stack of paper statements from Sallie Mae, and they spilled across my bedroom floor. Until that point, I had taken out student loans with all the forethought of Scarlett O'Hara — I'll think about that tomorrow. Now, thumbing through the stack, my curiosity got the better of me and I grabbed my calculator. I added up the statements, and my stomach sank.

John Hancock Insurance Announces Strategic Relationship With Synodex

NEW YORK, NY - April 27, 2015 - INNODATA INC. (INOD) reported that John Hancock Life Insurance Company announced today a strategic relationship with Innodata`s Synodex subsidiary.  John Hancock has been a leader in the insurance industry since 1862, and is one of the largest life insurers in the United States.  

Pursuant to the strategic relationship, John Hancock will be licensing Synodex technology and further utilizing Synodex services to streamline its internal process for insurance risk assessments. Synodex`s proprietary technology will be customized to meet John Hancock`s operational needs.  Synodex anticipates that the services will commence in the fourth quarter of this year after Synodex completes the customizations. 

Govt & One of Nation's Largest Mortgage Lenders Sue Each Other

The U.S. government filed a lawsuit against Quicken Loans, one of the nation's largest mortgage lenders, for allegedly improperly originating and underwritingFederal Housing Administration (FHA) home loans, the Department of Justice announced April 23.

The Detroit-based lender closed $140 billion in mortgages from 2013 through 2014 and is the nation's largest FHA mortgage lender, according to the company's website. It is also the nation's largest non-bank lender, in terms of mortgage origination.