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American Insurance Blog

All You Ever Wanted to Know About Insurance

3 Behaviors That Kill Us on the Road

There are three things you can do this Holiday Season to be a survivor when driving. Here's why extra caution is necessary this year... The 2015 traffic fatality estimate for the US is up a shocking 8.1 percent higher...

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Health Exchange Shopping? Find FREE help here.

AMERICAN INSURANCE in Lewiston has Exchange certified health agents who provide no cost help to find you the best health care plan during the Medical Open Enrollment period. “We are doing our best to shop all plans in...

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ACA Penalty Tax doubles for 2016

The ACA individual mandate tax penalty for no health coverage is much larger for 2016. If you can afford health insurance but choose not to buy it in 2016, you must pay a fee or have a health coverage exemption. The...

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Biggest threat to teens revealed

Half of all teens will be involved in an automotive crash and motor vehicle crashes are the leading cause of death for 14- to 18-year-olds, according to the National Safety Council. Even though driving is the biggest...

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Medicare Quiz - 10 Things Everyone Should Know

HOW SMART ARE YOU ABOUT MEDICARE? TAKE THIS MEDICARE QUIZ AND FIND OUT! President Lyndon B. Johnson signed the Medicare program into law in 1965. For more than 50 years, Medicare has provided essential medical benefits...

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Auto BI Claim Costs Up 32%

Auto injury claim costs per insured vehicle have continued to increase across the United States according to a new study from the Insurance Research Council (IRC). Long-term reductions in highway injuries and fatalities...

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Smoke alarms focus of awareness event

BOISE – Idaho Gov. C.L. “Butch” Otter has signed a proclamation declaring this as Fire Prevention Week. The Idaho State Fire Marshal’s key message for the event is to encourage smoke alarm installation in every bedroom,...

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New Flu Drug Funded by HHS

A new drug provides a novel approach to treating patients with influenza and will advance in development with funding from the U.S. Department of Health and Human Services' Office of the Assistant Secretary for...

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Your Odds of Hitting a Deer Double

Your odds of hitting a deer, an elk or a moose are twice as high during the 4th quarter months of October, November and December as in the other nine months of the year. U.S. drivers are just as likely to have a claim...

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Which States Have Lowest Auto Insurance Rates?

If you want to pay the lowest auto insurance rates in the USA you'd better move to good ole Idaho! Yes, Idaho has the lowest auto insurance rates in the nation according to the National Association of Insurance...

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Sullivan’s Hell Raising '65 Mustang

Philip Sullivan, Insurance Agent and Personal Lines Manager at AMERICAN INSURANCE, fell in love with his first car, a 1965 Ford Mustang Fastback. Through his access to and abilities with the car, he spent his teenage...

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Safety Council: Traffic deaths up in 2015 in WA, ID

LEWISTON - Aug. 18, 2015 - A spike in traffic deaths brings a caution warning from AMERICAN INSURANCE to all drivers as they prepare for the Labor Day weekend. Traffic deaths in the U.S. have increased every month for...

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Student health insurance options explained

Lewis-Clark State College will no longer offer a Student Health Insurance Program (or SHIP) this fall, due to a change by the Idaho State Board of Education. Other regional schools that also have no SHIP include:...

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7 Tips for Managing Stress

We can all use some help managing stress in our lives. Here are 7 very practical, free and easy tips for managing daily anxieties from Business Psychology Associates (BPA). THE BINGE & PURGE PROBLEM: Do you...

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Join Us! 4th of July Fireworks Show

For our 30th year, AMERICAN INSURANCE invites you to join us in Adams Field at Clarkston High School for the Independence Day Fireworks Celebration. You are invited to Adam's Field at Clarkston High School. There is no...

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ACA Exchange Subsidies Secured - Supreme Court

The latest legal attack on the Patient Protection and Affordable Care Act (PPACA) has been decided by the Supreme Court of the United States. In KING v. BURWELL, plantiff's argued that the plain language in PPACA says...

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Who's Dying On The Job? 150 per day!

A study of 2013 statistics shows 4,585 workers were killed on the job in the United States, and an estimated 50,000 died from occupational diseases, resulting in a loss of 150 workers each day from hazardous working...

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Preventative Care Benefits Expanded

Regence BlueShield of Idaho announced additional new preventative care benefits are now included on all ACA compliant group insurance policies. Regardless of the renewal date of a Regence group insurance policy the...

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Idaho Universities Withdraw Student Health Plan

The Student Health Insurance Program (SHIP) is being withdrawn from four Idaho universities beginning July 31, 2015. Students at Lewis-Clark State College, Boise State University, Idaho State University and Eastern...

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One in Three Truckers Don't Buckle Up

About 65 percent of on-the-job deaths of truck drivers in 2012 were the result of a motor vehicle crash. More than a third of the drivers who died were not wearing a seat belt. This troubling fact has the National...

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How 5 Amateur Arsonists Screwed-up

Bedeviled by sagging bank accounts and burdensome mortgages, some cash-strapped building owners try to burn their way out of debt. Lighting up spilled gasoline or interior gas lines seems like an easy gambit. One flick...

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Law Enforcement Crackdown on Texting & Driving

From April 10 to 15, 2015, law enforcement personnel will be using a combination of traditional and innovative strategies to crack down on motorists who text while driving. This effort is a part of the national U Drive....

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Blue Cross Cyber Attacks Affect 91 Million

Some Blue Cross policyholders in Idaho and Washington states are among the 91 million people who had their personal information compromised in a cyber-attack. Anthem Blue Cross Blue Shield and Premera Blue Cross have...

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New Tech to Stop Drunk Drivers

Can we keep drunk drivers off the road? Must they kill someone with their car after being arrested 10, 20 even 30 plus times for driving drunk before we find the answer. The answer may be a technology that has been...

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Hackers Filed Your Taxes Early

Your income taxes were filed early electronically by hackers looking to steal your tax refund. Can't happen to you? It happened to a close friend of mine, an Idaho resident, who received the IRS 5071C letter informing...

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Insuring Celebs ... Body Parts?

If you were Jennifer Lopez, which body part would you insure? Tough choice! How about Taylor Swift, Bette Davis, Bruce Springsteen, Daniel Craig, or Dolly Parton? Find out which body parts your favorite celebrities...

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ACA - Large Employer Reporting 2015

How to complete IRS forms 1095-C and 1094-C. Two new IRS forms will be required of large employers for the 2015 calendar year due in early 2016 - IRS forms 1095-C and 1094-C. Large employers will want to familiarize...

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11.7M Enrolled In 2015 ACA Health Insurance

Nationwide, nearly 11.7 million consumers selected or were automatically re-enrolled in quality, affordable health insurance coverage through the Health Insurance Marketplace as of Feb. 22, according to a report...

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Three Hackers Charged In Largest Ever Data Breach

The U.S. Department of Justice has charged three men in connection to the largest data breach ever, which exposed 1 billion e-mail records from more than 100 different businesses from 2009 to 2012, according to a March...

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Future ACA Health Premium Subsidies Uncertain

The Supreme Court will decide if millions of Americans will lose their premium subsidies if they signed up under the Federal Exchange HealthCare.gov. Fortunately, Idaho and Washington residents will not be effected by...

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7 Dangerous Weather Myths

What should you do during extreme weather events? Tornadoes and hurricanes, lightening, earthquakes, floodwaters, extreme cold - PropertyCasualty360 says, "Misconceptions about the weather can prove to be dangerous or...

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Homeowners Claims & Premiums Rising

The cost of homeowners insurance claims has been increasing at twice the rate of inflation. This is according to a new report from the Insurance Research Council (IRC). Despite significant declines in recent years, the...

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The 9 Vehicles With Lowest Death Rates

Improved vehicle designs bring down death rates (IIHS). The chances of dying in a crash in a late-model vehicle have fallen by more than a third in three years, the latest Insurance Institute for Highway Safety (IIHS)...

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ACA Saved Seniors $15B on RX

Since 2010, 9.4 million people with Medicare have saved over $15 billion on prescription drugs according to new information released by the Department of Health and Human Services (HHS). The report showed that millions...

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WA Health Exchange Extends 2015 Enrollment

The Washington Health Benefit Exchange, a state-based health marketplace, announced a spring "Special Enrollment Opportunity" for Washington residents who want to avoid tax penalty for 2015. Nearly 160,000 Washington...

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Uninsured Face ACA Penalty Tax for 2014

For the first time, American tax filers are facing the ACA individual mandate penalty for 2014. If you didn't have health coverage for all or part of 2014, you have to either qualify for a health coverage exemption or...

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Medicare Shifting From Volume To Value

Goals and a timeline are being set to move the Medicare program, and the health care system at large, toward paying providers based on the quality, rather than the quantity of care they give patients. This historic...

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