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Archive for the ‘insurance’ Category


Written by crizlai on Sep 7th, 2009 | Filed under: accidents, automobile, awareness, insurance, life, rant, tips

I still could not believe why there are still so many people in this present technologically equipped world are still having the phobia of being approached by an insurance agent. The word “insurance” does not necessary has to be related to the “D” word where a life would be at stake. It could just as well be for other areas pertaining to natural calamities or man-made damages or losses like fire, flood, earthquake, theft etc. It is a good financial plan that seemed to be overlooked by many people until they have faced head on with the tragedy loss of a loved one or even the inadequate insurance coverage they have on their assets.

Most people would just stay in the comfort zone, having the wrong perception that they or their loved ones would not meet with any accidents. Eventually, in most cases, it was too late to turn back the clock. What’s the reason for procrastinating while you know exactly that having the right insurance premium would ease yours or your immediate family’s financial burden in time of unexpected situations? Having not enough time, money or delaying the immediate action to get one covered are some of the lamest excuses and failures in a person’s life decision making. The future is just as important as the present.

Auto insurance would probably get the most attention as it would be a “must-have” insurance coverage while owning a vehicle but getting the right insurance agency does matter too. There are so many auto insurance quotes out there for you to choose from but you have to be wary of the terms and conditions it has to expedite claims. Moreover, please choose carefully a reputable agency to handle all your insurance needs as well as one with higher deductibles on your premiums. Won’t that be great to save a bit more on your yearly expenses?

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Written by crizlai on Aug 4th, 2009 | Filed under: accidents, awareness, insurance, lawyers, life


It would be great to have someone courteous, pleasant and experience to handle my insurance case if anything bad were to happen to me. I don’t think I would have the knowledge and experience to go through the whole ordeal of getting the paper work done for the claims. Who else could be better assigned the task than the expertise of a Seattle personal injury lawyer? Having more than 5 decades of handling the justice deserved by victims of personal injuries, the Rush, Hannula, Harkins & Kyler, L.L.P. should be one such great law firm to look out for.

The firm had many concrete results over the past decades, making them one of the most sought after for claims such as Medical Malpractice, Car Accidents, Truck Accidents, Vehicle Accidents, Worksite / Construction Accidents, Nursing Home Liability, Slip and Fall / Premises Liability, Swimming / Diving Accidents, Maritime Injuries / Boating Accidents, Governmental Liability, Dog Bites / Attacks, Recreation Accidents, Dangerous Products and Insurance Bad Faith / Unfair Conduct.

Don’t worry about the cost on involving their services as their initial consultation is free of charge and they would only get paid for their services if you receive monetary compensation. Let them handle all your legal issues while you concentrate more on your medical care and financial security.

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Written by crizlai on Dec 30th, 2008 | Filed under: accidents, awareness, cars, insurance

How many of you realized that almost any objects that are lying idle in you car could be a deadly weapon? Most of us would go on with our daily lives, thinking that accidents will not happen to us as long as we have our safety belts on. On top of that, tens of millions of autos on the road today have crash tested well and feature air bags and antilock brakes, giving the driver a sense of safety on the road.

You are totally wrong as there are still many more hidden objects that you would not even consider as deadly weapons in case of accidents. Who would realize that with higher speed limits permitted in most countries, unsecured cargoes within the car can cause major impact on the driver as well as the passengers? People are largely unaware of what can happen in collisions. The forces are extreme. After the collision outside, there are always collisions inside. Both can wreak havoc.

In a crash, any object with an edge can become a blade while blunt objects can become sledgehammers. Do you know that a plastic card lying loosely on your dashboard could slash through your neck during high impact? Even a half finished bottle of mineral water could give out such an impact on the head to cause brain damage. What about golf clubs, tennis racquets or even an uncapped ball pen? In a crash, any of these objects could turn into a deadly projectile.

It’s easily said than done as most of us have the habit of throwing practically anything at our back seats. Just look at the number of cars you have been into with no secured cargoes. I’m quite sure the answers to your little survey would be rather scary only a minority of car owners would leave their car spotlessly clean with no loose objects. No matter what, get a car insurance quote from your nearest insurance agency as you may not know what would happen when you least expected.

I'm thirsty for a drink now. Would you be kind enough to treat me?


Written by crizlai on Dec 29th, 2008 | Filed under: family, health, insurance, life, living, rant









Who would be the most important members in your life other than your own family? The answer is none. Most of the loves you had received and given were within your own family members. If there were any unforeseen misfortune, what would become of your family members if you were the sole bread earner? You won’t want to see them suffer for the rest of their lives without any compensation right?

It has become quite a norm for many people to steer away when someone approached them for some insurance coverage. I would understand if the person is fully insured and does not require more policies. What about a big majority of those who had just came into the working world? Did they know that the earlier age they get themselves some insurance policies, the lesser the premium is?

Here is a case scenario of a person who kept postponing his buying of a life insurance even after he got married. After a year or so, he finally had a child. Although his business had blossomed, he still refused to be committed, thinking that whatever he had earned through his working life would be sufficient for the welfare of his unemployed wife and child. Eventually, the economy crisis struck unexpectedly and business was not doing so well. He was struggling to maintain his monthly family expenses. Before the child even reached the age of 4 years old, he was struck with a terminal illness and eventually passed away. There were nothing much left to help his family pull through with life, except a skeleton company and a mortgage house. What a pity case!

What I do not understand here is why most people prefer to look at short term profits rather than looking at long term financial planning which could benefit everybody within the family. There are so many types of term life insurance rates that would be available to suit everybody’s budget. Moreover, you can upgrade your policies anytime to a higher coverage when you have met your financial stability. Would you not think about the benefits your loved ones would gain by you making the wise move to be insured right now?

I'm thirsty for a drink now. Would you be kind enough to treat me?


Written by crizlai on Dec 10th, 2008 | Filed under: automobile, insurance, life, rant

Nowadays the prices of consumable items had hiked up so drastically that it had burnt a deep hole in my pocket. With the normal household expenditure budget previously, I could hardly get many things to stock up in my fridge. I guessed I would have to tie up my waist more and get myself to eat less. But then, how could I do that as a food blogger? It’s not that I eat to live but rather live to eat. Haha!

I must find alternate ways to stretch that budget of mine. Moreover, my cats would also need to eat too, although the price for their cat food had also increased tremendously over the pass few weeks. Hmm… What else could I save then? Should I control my phone calls to save some on the bills? Should I minimize my internet usage or off with some lights to cut down the electricity usage?

Oops! I just remembered that the year end is coming and my auto insurance is about to expire. Here I am trying to find ways to cut down on my expenses and there it is another bill popping up that needed my immediate attention. Moreover I heard that there’s a huge percentage increase in insurance premiums for vehicles over a certain of years. This is giving me such a headache as I would really need cheap auto insurance now.

I'm thirsty for a drink now. Would you be kind enough to treat me?

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