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American Insurance Blog

All You Ever Wanted to Know About Insurance

States Move Forward On Health Exchanges

Three more states are on track to implement the health care law and establish health insurance marketplaces, or Exchanges, in their states. Health and Human Services (HHS) issued the first conditional approval of a...

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Just 15 States Opt For State Health Exchanges

Only 15 U.S. states so far plan to operate health insurance exchanges under President Barack Obama's reform law, leaving Washington with the daunting prospect of creating and operating the new online marketplaces in at...

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Idaho Governor Opts For State Insurance Exchange

Governor C.L. "Butch" Otter announced today that Idaho is opting for a state-based health insurance exchange under the terms of Obamacare, subject to legislative approval. In his news release today Governor Otter said, "...

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Newsletter - Winter 2012

Featured articles include: Health Care Reform - A Closer Look - The things you didn't know about the Affordable Care Act How Smart Phones Make Smarter Claims Savings Tip - How to find the missing 15% Discount on auto &...

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Health Care Reform - A Closer Look

It appears that the Patient Protection and Affordable Care Act (PPACA) is here to stay. It survived the constitutional challenge in the US Supreme Court and the electoral challenge with the re-election of President...

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Pre-Existing Condition Discrimination Banned

The Obama administration moved forward to implement provisions in the health care law that would make it illegal for insurance companies to discriminate against people with pre-existing conditions beginning January 1,...

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Homeowners Claims Rise Rapidly

The cost of homeowners insurance claims has been rising rapidly! The combined effects of rising claim severity and increases in claim frequency were found in the study released by the Insurance Research Council (IRC) on...

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Newsletter - 90th Anniversary - 2012

Since 1922 (when we were insuring Model-T Fords) up to the present day, we have historic pictures, articles, and advertisements to share with you. Learn about the "who", the "why" and the "events" that shaped our...

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AMERICAN INSURANCE Celebrates 90 Years

The Sullivans - John, Shawn, Philip & the entire staff invite you to our 90th Anniversary Open House & Customer Appreciation on Friday, September 21st! For details please read below:

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10 Tax Tips for Home Sellers

If you have sold or are selling your home this year you may be able to exclude all or part of that gain from your income. Check out these ten tax tips from CPAs, Su Brown and Associates, PLLC.

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4 Myths About Renters Claims

Renting a dorm room, an apartment or a rental house may be your first experience with being out on your own. After a fire or a theft, there are some common misconceptions about who is responsible for your premises and...

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A "Classic" Love Affair Confession

By Mike Everett, agent I've had a love affair with vintage cars for most of my adult life. It grew out of necessity (fixing my cars) and turned into a hobby by my thirties. Cars, trucks - anything old - is gratifying to...

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Health Care Reform Timeline

What's changed and what's not under Health Care Reform? In light of the recent ruling by the U.S. Supreme Court and the complex nature of the Patient Protection and Affordable Care Act (PPACA), the Independent Insurance...

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Medicare Part D Rx Premiums Hold Steady

Basic premiums for Medicare prescription drug plans, on average, are projected to remain constant in 2013, Health and Human Services Secretary (HHS) Kathleen Sebelius announced today. The average 2013 monthly premium...

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Idaho Police Target Aggressive Drivers

Now through August 13th Idaho law enforcement is targeting aggressive drivers and motorcycle riders on Idaho's roads. Speeding, failure to yield, following too close and disregarding traffic signals are all aggressive...

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Hail & Windstorms Cause Major Damage

The rumble of thunder, the crack of lightening, the rush of windstorm, the clatter of hail stones - thunderstorms can bring devastation to your property and your autos in a flash. How does your own insurance respond to...

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8 New Preventative Services Free For Women

Women are getting access to eight new prevention-related health care services free beginning Aug. 1, 2012 announced Health and Human Services (HHS) Secretary Kathleen Sebelius. The new rules in the health care law...

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Idaho Health Exchange Work Group Meets

Idaho is playing "catch-up" with Health Care Reform. The first meeting of the Idaho work group studying formation of a state operated Health Insurance Exchange was announced by Idaho Department of Insurance Director...

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Thunderstorms & Wildfires Bring Destruction

At least 28 people were killed following a prolonged stretch of severe weather in central and eastern U.S. states, which included a violent derecho - a fast-moving, long-lived cluster of intense thunderstorms - that...

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Traffic Deaths Spike Upward +13.5%

An alarming spike in traffic fatalities is being studied by the National Highway Traffic Safety Administration. A statistical projection shows a 13.5 percent increase in traffic fatalities for the first quarter of 2012....

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Regence Rebates Money to Small Groups

The first Medical Loss Ratio rebate checks were mailed to small groups insured by Regence BlueShield of Idaho on July 16th. This is a rebate on their 2011 premium under the Affordable Care Act's requirement based on...

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Bad Dogs Bite All Home Owners

Dog bite claims continue to grow in numbers and cost which increases premiums for all Homeowners Insurance. In fact, from 2003 to 2011, the cost of the average dog bite claim increased by 53.4 percent. Dog bites...

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Realtors - Uptick In New E&O Claims

What is causing new E&O claims for realtors? Eric Myers, President of Victor O Schinnerer & Company, one of the largest and most experienced underwriting managers of professional liability and specialty...

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Newsletter - Summer 2012

Feature articles include: "Best of the West" Like us on Facebook Boating is a Blast - with Dave Root 27 Year Sponsor - Independence Day Fireworks A Love of the Classics - with Mike Everett Philip Sullivan - New...

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American Insurance Voted "Best of the West"!

AMERICAN INSURANCE, Lewiston and Moscow, were voted “Best of the West” Insurance Agency for 2012. We are very proud to be chosen by popular vote and always strive to be worthy of our customers' continued trust. Our “...

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7 Reasons to "Like" Us!

Facebook is personal. And what could be more personal than protecting all the things you value most - your home, autos and personal items; your health and your life; lliability protection for your earning power, savings...

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Health Savings Account Use Jumps 18%

More than 13.5 million Americans are now covered by Health Savings Account (HSA)-eligible insurance plans, a more than 18 percent increase since last year, according to a new census released by America's Health...

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Doctor Groups Call For LESS Care!

Three different physician events saw national doctor groups calling for less medical care. In a bold and unprecedented announcement, they say doctors need to use clinical evidence to make care decisions. This can help...

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8 Essential Data Breach Protections For Small Business

The number of data breaches involving smaller businesses continues to grow, but a new survey by The Hartford finds that 85 percent of small business owners believe a data breach is unlikely, and many are not...

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Premium Increases Ahead For Businesses

Business owners need to brace themselves for modest insurance premium increases in 2012. Faced with high catastrophe claims from 2011 and low investment returns Property-Casualty insurance companies have no choice but...

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New pain meds approved to lessen abuse

Skyrocketing costs for opioid pain management and abuse is damaging the health care and workers compensation systems. Dan Reynolds, managing editor of Risk & Insurance writes "An intense national focus on the...

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P&C Insurance Net Income Plunges

Record 2011 losses are driving insurance price increases in 2012. As predicted in Market Forecast 2012, the insurance industry has been raising prices this year on Homeowners and commercial property risks, other...

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Top 10 Contents Items Claimed

Which personal property items were the top insurance claims in 2011? Jewelry losses were the big ticket items in value and volume for property insurance claims made in 2011 according to Enservio's annual Contents Claims...

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ID & MT Among Worst States For Injury Deaths

Idaho and Montana ranked among the worst states with the highest ratios of injury deaths while Washington state was ranked among the best. A new report ranks each state by their injury rates per 100,000 people and...

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What is driving health care spending?

The newly formed Health Care Cost Institute (HCCI) compared data from 2009 to 2010 showing that pure price increases for care rather than increased utilization is driving spending higher. In fact, the number of hospital...

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5 Ways To Reduce Motorcycle Deaths

A summer road trip on your motorcycle may be no safer than last year. No progress was made in reducing motorcyclist deaths in 2011, according to a report released by the Governors Highway Safety Association (GHSA)....

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Leading Cause of Death Ages 8-24

More children and young adults die of this than any other cause. Perhaps it is no surprise that motor vehicle traffic crashes continue to be the leading cause of death in the group of age 8 through age 24, according to...

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WA & OR Take Health Exchange Grants

Washington and Oregon were among the six new states to take Health Exchange grants to implement the new health care law. Idaho, a highly conservative and Republican majority state, snubbed HHS and did not take the...

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Stolen! 1 in 10 of these vehicles

Corvettes...we love to look at them and thieves love to steal them! The Chevrolet Corvette holds the title as America's oldest, continuously produced sports car. According to a National Insurance Crime Bureau (NICB)...

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Obesity's Heavy Health Care Cost

Obesity now accounts for almost 21 percent of U.S. health care costs -- more than twice the previous estimates, reports a revised Cornell University study. The research, originally done in 2010, was the first to show...

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Healthcare Costs Now Exceed $20,000 Per Family - Milliman Study

A typical American family of four receiving healthcare through an employer-sponsored preferred provider organization (PPO) plan now pays $20,728. This according to the latest study by Milliman, Inc., a premier global...

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4th Leading Cause of Death Is?

1 in 3 U.S. adults-an estimated 68 million of us-have this and it is the "silent killer". Untreated high blood pressure, also called hypertension can damage the heart, brain, and kidneys without a single symptom. Each...

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Idaho's Health Insurance Exchange - On Hold

What is the status of the Idaho Health Insurance Exchange? The US Supreme Court will be making its decision in June whether all, part or none of the Affordable Care Act will stand as constitutional. So, the Idaho...

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Taxpayers May Profit Billions From AIG Bailout

When all is said and done, AIG expects taxpayers to profit from $5B to $10B on the company's 2008 rescue. Too big to fail, AIG ultimately received a $140 billion bailout from taxpayers in 2008 to avoid a feared...

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WA Gets $6.6M Health Care Grant

Ten states including Washington State received grants to provide early childhood support and home visits to families who volunteer to receive these services, Health and Human Services (HHS) Secretary Kathleen Sebelius...

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Turns Out - Death & Taxes Are Linked!

Benjamin Franklin's famous quip "in this world nothing can be said to be certain, except death and taxes" has a closer connection than he knew. A 30-year study of traffic accidents in the United States has found that...

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New Health Care Rule Saves $4.6B

A proposed rule that would establish a unique "health plan identifier" under the Health Insurance Portability and Accountability Act of 1996 (HIPAA) was announced today by Department of Health and Human Services (HHS)...

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“Check Engine” #1 Repair Item

The most common "check engine" light repair is "replace Oxygen Sensor." A faulty O2 sensor costs less than $250 to fix, but can lead to as much as a 40% reduction in gas mileage if ignored - immensely important to note...

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New Health Exchange Rules Released

New rules released today will offer states substantial flexibility as they design a health insurance exchange marketplace that works for their residents. The Idaho Legislature said "no thanks" this week and has failed...

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Cell Phone Related Fatalities Down 47% In CA

Traffic deaths due to hand-held cell phone use by drivers have dropped 47% since California enacted a ban in July, 2008. The analysis, conducted by the Safe Transportation Research and Education Center (SafeTREC) at...

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Lifetime Limits For Health Plans End

The maximum benefit limits under medical insurance plans for an individual's lifetime have been eliminated under the Affordable Care Act. "For years, Americans with lifetime caps imposed on their health insurance...

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What FBI Says Is US #1 Threat!

Cyber security is becoming our nation's number-one threat according to FBI Director Robert S Meuller, III in comments made at the Cyber Security Conference in San Francisco. The following are excerpts from his comments...

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Crop Insurance Claims Break $10 Billion

For the first time in history, crop insurance indemnities to farmers and ranchers has exceeded $10.08 billion to cover agricultural losses, reports ProgramBusiness.com. This underscores last year's high crop values and...

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Which Health Services Are Now Free?

Don't forget you have free preventative services to use in 2012! "Americans of all ages can now get the preventive services they need, like mammograms and the new Annual Wellness Visit, free of charge, as a result of...

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What Does A Cruise Ship Cost?

Ever wonder what a cruise ship costs? The grounding of the Carnival Corp. cruise ship Costa Concordia off the coast of Italy with more than 4,000 passengers and 1,100 crew aboard, may cost insurers more than 400 million...

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Allstate Agents Quit & Dissatisfied

Overall, 73% of Allstate agents answering a national survey were "not very" or "not at all" satisfied with their relationship with the company. When asked if they would be willing to refer a friend or relative to become...

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"Plain Language" Health Policies Required

Do you have trouble understanding health insurance? People in the market for health insurance will soon have clear, understandable and straightforward information on what health plans will cover, what limitations or...

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EEOC Complaints Hit All-Time High

Private sector bias charges hit an all-time high. Employment discrimination complaints for businesses large and small increased to record levels during the "great recession". Layoffs provide opportunity for employees to...

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Top Ten Senior Scams

If you are a senior or if have seniors in your life, please pass along this information. Every U.S. citizen older than 65 qualifies for Medicare, making Medicare/health insurance fraud one of the most common scams...

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Market Forecast 2012

The headlines of 2011 mark the worst year ever recorded for insured losses across the globe. Worldwide natural disasters - earthquakes, tsunamis, tornadoes, hurricanes, flooding, winter storms, and unusual freakish...

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