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Newsletter - Winter 2010

Inside this issue: Referral Rewards - We have a Winner New Website a Hit - See comments (pg 4) Customer Service Focus - Compliments for Tina Heitmann News You Can Use Wind Damage - Am I Covered? Introducing Tracey Santo...

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WIND DAMAGE - Am I Covered?

Answers to questions about wind damage to your home, fences, tree removal and liability to others. The recent windstorm of November 16th brought us a storm of more than 50 phone calls regarding wind damage claims. The...

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Mandated Health Insurance Ruled Unconstitutional

Mandated health insurance was ruled unconstitutional by a Federal judge in Virginia today. US District Judge, Henry Hudson, dealt the first significant blow to a key provision of the Affordable Care Act (ACA) by ruling...

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Tis the Season for Candle and Tree Fires

A residential candle fire is reported every 30 minutes and each year fire departments across the country respond to approximately 260 structure fires caused by Christmas trees according to the National Fire Protection...

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6 New Health Care Reforms Begin Jan 1, 2011

January 1, 2011 is a key date for six new health care reforms created by the Affordable Care Act. Seniors primarily benefit from this current round of reforms but premium vs profit restrictions on insurance companies...

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5 Facts About the Uninsured for Health Insurance

The number of uninsured rose sharply in 2009, reaching 50 million people. Decreasing the number of uninsured is a key goal of the 2010 Patient Protection and Affordable Care Act, which will provide Medicaid or...

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Denied Health Claims Subject to Review

If you have a health claim denied in Idaho you have the right to the have the decision independently reviewed. This independent review process was instituted as part of Idaho's Health Carrier External Review Act (Title...

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Class Action Lawsuits up 60%

Corporate Directors and Officers are the targets of an increasing number of class action lawsuits. The average number of US class actions filed between 2007 and 2009 was nearly 60 percent higher than in 2006, according...

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Free Medical Clinic Open for Uninsured

The area's only free medical clinic is serving the uninsured and medically needy of the Lewiston-Clarkston valley. The Snake River Community Clinic (SRCC) has limited hours on Tuesday and Thursday evenings on a first...

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Auto Claims Fraud by Medical Providers Rampant

Higher auto insurance rates for New Yorkers is blamed on rampant fraud by unscrupulous medical providers. Health care costs for automobile accident victims in New York increased 42 percent faster than overall medical...

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Senior Health Plans Changing / Some Discontinued

Millions of seniors must choose new Medicare supplement plans before 1/1/2011. Some plans are being discontinued to comply with the Affordable Care Act. Call us for an appointment with a certified insurance agent to...

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Traffic Fatalities Lowest in 60 Years

2009 saw the lowest traffic fatalities ever recorded according to the US Transportation Department. Highway deaths fell to 33,808 for the year, the lowest number since 1950. In fact, fatalities declined in all...

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Crash Test - 1959 vs 2009 Chevy

Which vehicle is safer in a crash test - a 1959 Chevy Bel Air or a 2009 Chevy Malibu? The Insurance Institute for Highway Safety celebrated their 50th anniversary with a crash test to demonstrate that car...

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Dog Bite Claims Top $400M in 2009

Dog bites accounted for more than one-third of all homeowners insurance liability claims paid out in 2009, costing $412 million and up 6.4 percent from 2008, according to the Insurance Information Institute (I.I.I.)....

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Newsletter - Fall 2010

Feature articles include: New website launch - get $5 gift card WA Voter Alert I-1082 Senior Health Plans Changing Lender Spotlight - Bobbi Hoene Referral Rewards - 3rd Quarter Winners Don't forget to fill out the...

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Professional Liability Costs Rising for Hospitals and Physicians

Hospitals and physicians should prepare for increasing liability costs, according to the 2010 Hospital Professional Liability and Physician Liability Benchmark Analysis created by Aon Risk Solution. In its 11th year,...

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WA Voters Alert - Initiative 1082

WA ballot initiative to privatize workers compensation Watch for November ballot Initiative-1082 The 30 year battle to end the state monopoly of Workers Compensation insurance goes to Washington voters in Nov under I-...

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Healthcare Law Upheld by US Judge

A US judge upheld a key part of President Barack Obama’s signature healthcare law, The Patient Protection and Affordable Care Act, that requires Americans to obtain coverage, rejecting a challenge by a conservative...

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Homeowners’ customer satisfaction studied by JD Power

Source: JD Powers and Associates Reports AMERICAN INSURANCE increases customer satisfaction with homeowners insurance while the national trend shows a decline according to the JD Power and Associates 2010 US National...

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Insurers Spend Millions on Reform Changes

Tens of millions of dollars are being spent by insurance companies to comply with Health Care Reform. September 23rd was a major deadline, ushering in new health benefits for consumers mandated by the Affordable Care...

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50.7 M without Health Coverage reports Census Bureau

Source: US Census Bureau 17 Sept 2010 The US Census Bureau announced today that the number of people without health insurance coverage rose from 46.3 million in 2008 to 50.7 million in 2009, an increase of 9.5%. The...

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WA Seat Belt Use Jumps in 2010

Source: Washington Traffic Safety Commission Almost 98% of Washington motorists are using their seat belts! Washington state saw an improvement of 1.2% from last year's seat belt use rate to a record 97.6% in 2010. This...

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Claims & Fraud Up - Says New Survey

During an economic downturn people are more likely to commit insurance fraud than they are in normal times. That was the opinion of more than three quarters (76%) of consumers in a survey released by Accenture, a global...

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Preventive Services Required In New Health Plans

Beginning September 23, 2010 all new health insurance plans are required by the Affordable Care Act to include a long list of preventive services without you having to pay a copayment or coinsurance or meet your...

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Crack down of medical premium hikes funded by HSS

Idaho, Washington and Oregon receive $1M each to police unjustified health insurance premium increases. The Department of Health and Human Services announced the award of $46 million in the first round of grants to...

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Insurance Industry Outlook: Is the Worst Behind Us?

In 2009 the recession caused a dramatic drop in premium revenue paid to insurance companies for business insurance policies that are primarily based on the now reduced gross sales and/or payroll. How are the property-...

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New AMA Study: 95 medical liability claims per 100 physicians

On average there is nearly one medical liability claim for every physician. This is one cost driver of higher medical fees passed on to consumers. The AMA reports the high number of claims is not an indication of...

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New Idaho ATV Registration & Licensing Requirements

As of January 1, 2010, Idaho owners of ATVs, UTVs, motorbikes and specialty off-highway vehicles are required to purchase Off Highway Vehicle (OHV) registration stickers. And, if you choose to travel on local...

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Liability lawsuits cost small businesses 33% out of pocket

A U.S. Chamber of Commerce study shows that small businesses paid $105.4 billion in 2008 driving up liability insurance costs and forcing labor and benefit reductions. Read more – Tort Liability Costs for Small Business...

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Free “lunch” and $700 savings over Mutual of Enumclaw

I met your agent, Dave Root, through golf and asked him about your “lunch on me” promotion to get quotes for all my personal insurance – home, cabin, autos, etc. I wanted to have a review of my coverage and to have an...

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Patient Protection and Affordable Care Act Signed into Law

President Obama signed into law on March 23, 2010 H.R. 3590, the Patient Protection and Affordable Care Act. This sweeping and controversial reform law includes many provisions that will impact employers, employees and...

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Dependent Coverage for Children Extended to Age 26

One of the new provisions in the Patient Protection and Affordable Care Act mandates that health plans make dependent coverage available for your children until their 26th birthday. The under 26 child does not have to...

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Lender Spotlight: James Waham

We appreciate very much the many insurance referrals we receive from all our local lenders and mortgage brokers. Thank you James Waham of Wells Fargo Home Mortgage for the most lender referrals to American Insurance. “...

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Independence Day Fireworks & American Insurance

Do you know what happened 26 years ago on the 4th of July? Nothing… that was the year there wasn’t an aerial fireworks display in the valley. I was surprised and disappointed, and I wasn’t the only one. I talked about...

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Newsletter - Summer 2010

Feature articles include: 25 Year Sponsor - Independence Day Fireworks We Insure...Fun! (Boats, Motorcycles, RV's & ATV's) ATV Licensing $700 Savings - Ken Blakemen Health Care Reform Lender Spotlight - James Waham...

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Are you a distracted driver?

New survey says 38% of drivers say they have been hit or nearly hit by people “driving while distracted” (DWD). Read more – survey, facts & figures, safety tips. http://www.nationwide.com/newsroom/safety.jsp

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