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Insurance News / 17.02.2016

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] It’s a beautiful weekend and you decide to go shopping in Kittery. You’re not thinking about being under-insured while crossing Route One in a crosswalk to get – THWACK! ZOWIE! KABOOM! A distracted driver hits you. Though your journey to recovery could be long and painful, you have the comfort of knowing that the driver’s insurance will pay for your hospital and medical expenses. Well, surprise, a high percentage of drivers in Maine, New Hampshire and Massachusetts are...

Insurance News / 16.02.2016

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] My doc told me I had slightly elevated cholesterol. He didn’t bother lecturing me. Instead, he told me to read a book: The China Study, a highly detailed and convincing explanation of the relationship between food and health (there’s a movie version called Forks Over Knives). Before finishing the first chapter, I was sold on changing my diet. In less than two months, I had moved my numbers dramatically – and sustainably. In doing so, I likely have...

Insurance News / 15.02.2016

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] If you’re renting an apartment and the guy upstairs lets the bathtub overflow – for a couple of hours while you’re at work – who’s going to pay for the damage to the “stuff” in your apartment? Not necessarily your landlord. In fact, it’s really your problem. Worse yet, what if a fire or smoke damage forces you out of your rental? You need to think about how much “stuff” you have and what’s it worth. Could you replace...

Insurance News / 14.02.2016

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] At one of the Clark Insurance Breakfast Briefings in 2013, we invited a noted Maine physician to offer his analysis of the stubborn facts of U.S.health care system. While shocking, the facts suggest immense opportunity to take control of our health and the cost of health care. Dr. Daniel Landry, president of Spectrum Medical Group, provided a sobering context for understanding the Patient Protection and Affordable Care Act (PPACA). First and foremost is the magnitude of the nation’s financial...

Insurance News / 13.02.2016

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] Which of these statements is true? A. Politicians are all thieves. B. Insurance companies don’t pay claims. C. Lawyers are ambulance chasers. D. Chuck Norris made a mistake once but it corrected itself. Obviously, the answer is “D”. Too often, though, we accept something to be true and repeat it even though the facts are completely different. As our business at Clark is insurance, it’s time push back on those who imply insurers are reneging on their agreements to provide property, liability or...

Insurance News / 12.02.2016

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] The doctor says your high blood pressure and cholesterol are likely to result in heart disease, diabetes or cancer and you could die sooner than later unless you adopt a healthy diet. Who’s going to care if you die? More people than you might imagine; your loved ones, countless friends, your employer, customers, vendors and creditors. If you are a business owner, your employees and business partners will feel the loss of a friend as well as a source...

Insurance News / 12.02.2016

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] Such are the protests of some people who don’t recognize that their behavior or actions may be considered harassment for which you or they may be held liable – sexual innuendo, gay-bashing, comments about someone’s age, weight or ethnicity. It takes a vigilant supervisor or owner to understand what’s right and wrong these days as the law continues to evolve when it comes to workplace behavior. Why? “I was just kidding”can become very, very costly. Employment practices liability (EPL)...

Insurance News / 11.02.2016

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] When it comes to driving convictions in Maine, the data underscores why the insurance industry charges men more for auto coverage than it does for women. Looking at the most recently available statistics in Maine (2011) on the Bureau of Motor Vehicles web site, young women are half as likely as young men to be convicted of vehicle-related infractions. What kind of violations are we talking about? Here are the top five categories for driving convictions in Maine. 2011...

Insurance News / 10.02.2016

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] We all have a different view of insurance in Maine and New Hampshire and when to use it. Something happens, you file an insurance claim. “Hey, I paid my insurance premiums and I want some of that money back for the damage to my house.” It’s a normal reaction. The choice to file a claim, though, can have unintended consequences and long term costs. If you have too many claims, your insurance company could raise your rates or refuse...

Insurance News / 09.02.2016

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] No matter how much people joke about government, the fact is we generally trust our bureaucracy for objective information, particularly about insurance. A few months back, for example, we wrote a column about annuities, an insurance product that can guarantee buyers a steady stream of income. Of all the links we provided, the link to Maine’s Bureau of Insurance (a consumer guide) was the most often clicked by a margin of 3 to 1. So, what else does the...

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