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American Insurance Blog

All You Ever Wanted to Know About Insurance

New ID Law Verifications for Business Autos

Your Business Autos and how to comply with Idaho’s new insurance verification law. Perhaps this is the law of “unintended consequences” at work! Idaho’s new insurance verification law began Jan. 1, 2020 and has created...

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Q & A: Will Idaho's new auto liability law affect me?

This Q&A column was published in the Dec. 10, 2019 edition of The Lewiston Tribune. Q: Will Idaho's new auto liability law affect me? - A: Maybe, so here’s what you need to know. - Even if you normally always...

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Washington car seat law has changed for 2020

Changes to Washington’s child passenger restraint law (RCW 46.61.687) began on Jan. 1, 2020. - Car crashes are a leading killer of children ages 1-13. Using the right seat can reduce the risk of fatal injury by 71...

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4th Annual Food Drive results are in!

THE RESULTS ARE IN & WE ARE CELEBRATING! - The total count comes to 5,304 lbs. which is supporting 3 local food banks. Our Hometown Business Food Drive Partners ROCK!!! - President Shawn Sullivan is shown with AJ...

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2020 WA health rates released

Sixty-six health plans and seven dental plans set to participate in market Washington Health Benefit Exchange Board has announced an average decrease in plans for certified 2020 Qualified Health Plans (QHPs) and...

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Premiums reduced in 2020 for some senior plans

There's good news for seniors for their 2020 medical options and costs. Medicare continues to offer seniors and people with disabilities with flexibility and choices while providing high quality healthcare services....

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Changes for 2020 Medicare clients - Part 2

Deductibles for 2020 for Medicare plans are changing for Medicare Plans A and B. - Related: 2020 Medigap policy changesRelated: Medicare: What's the difference? Medicare 2020 Part A Deductible - For the year 2020,...

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Congrats to Jeremy Van Houten, new CIC

Moscow agent, Jeremy Van Houten, has been awarded the Certified Insurance Counselor (CIC) designation by the National Alliance for Insurance Education & Research. To become a CIC, Jeremy completed 100 classroom...

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Welcome back Jenni Waters!

We are pleased to welcome back Jennifer (Jenni) Waters to American Insurance. For those who don’t know, Jenni worked as our Moscow Personal Lines Customer Service Agent (PL-CSA) from 2006 to 2015. Jenni rejoined us in...

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Regence announces good news for MedAdvantage members regarding SJRMC services

Regence BlueShield of Idaho and St. Joseph Regional Medical Center in Lewiston have not agreed to a new contact yet. Regence rejected proposed large rate increases for hospital services previously which led St. Joseph...

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Health Exchanges Now Open until Dec. 15

Idaho Medicaid expansion may change eligibility for ACA Health Exchange in 2020 - The Idaho and Washington Health Exchanges are now open! Individuals, families, small employers, employees, dependents, college students -...

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Navigating Idaho’s new auto insurance law

Uninsured vehicle compliance begins January 1, 2020 Starting January 1, 2020, vehicle owners without auto insurance coverage for two consecutive months will receive a warning and be given 30 days to provide proof of...

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2020 ID Health Rates Released

2020 ID Health Insurance rates released - Average increase of 6% for individual, 4% for small group coverage. - Final 2020 premium rates for individual and small group health insurance plans have been released by the...

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Q & A: When can I change my RX and Medicare plans?

We printed this Q&A column in the Oct. 10, 2019 edition of The Lewiston Tribune. Q & A: When can I change my RX and Medicare plans? - The Medicare Annual Election Period is coming up from October 15th through...

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Pre-Tax Premiums for individual plans under new HRA plan begin in 2020

Small employers and their employees will be able to pay for individual ACA medical plans with pre-tax premiums through an expansion of Health Reimbursement Arrangements (HRAs). The new “Individual Coverage HRA” (ICHRA)...

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2020 Medigap policy changes

One significant change to Medicare Supplement (Medigap) plans beginning on January 1, 2020 is the withdrawal of two popular standardized plan options – Plans C and F. Starting January 1, 2020, Medigap plans sold to...

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Prevention for pneumonia this fall

Did you know about 1 million Americans go to the hospital with pneumonia every year? Pneumonia is a lung infection caused by pneumococcal disease, which can also cause blood infections and meningitis. The bacteria that...

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New Medicare card reminders & facts

By now, our senior clients should have received their new Medicare card - with your new Medicare Number. When you’re enrolled in Medicare, you’ll get your red, white, and blue Medicare card in the mail. If you're...

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Genetic testing fraud alert

You should know about the latest fraud scheme involving genetic testing, according to the U.S. Department of Health and Human Services Office of Inspector General. Scammers are offering “free” genetic tests and claiming...

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Q & A: Should I buy Renters Insurance?

We printed this Q&A column in the Sept. 10, 2019 edition of The Lewiston Tribune. Q: Should I buy Renters Insurance? A: Most definitely, yes! Renters or Tenants Insurance insures more than just your stuff and is a...

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Q & A: What is Classic Car Insurance?

We printed this Q&A column in the Aug. 10, 2019 edition of The Lewiston Tribune.Q: What is Classic Car Insurance? A: Classic cars aren't just antiques, they also include restored cars, street rods, low riders,...

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HHS releases plan for lower drug costs

The U.S. Department of Health and Human Services (HHS) announced today that HHS and the U.S. Food and Drug Administration (FDA) are publishing a Safe Importation Action Plan that outlines two potential pathways that...

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New WA motorcycle law starts July 28

Washington motorcycle drivers have a new state law related to their insurance starting on July 28, 2019. It might surprise you to know that prior to that date Washington state law did not require motorcycles to be...

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Q & A: Why did my auto rates increase?

We printed this Q&A column in the July 10, 2019 edition of The Lewiston Tribune. Q: Why did my auto rates increase? A: Sometimes auto insurance rates change with no apparent explanation. The answer may have more to...

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Several changes for our Moscow office

We have made some recent changes to our Moscow office. New Office Hours: For your convenience, beginning on July 1, our Moscow office will open earlier at 8:00AM. We are now open 8AM to 5PM M-F and closed during lunch...

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Family traditions worth celebrating

Family traditions come in all shapes and sizes. Maybe an annual trip to a cabin or destination, an event you go back to annually, relatives you visit - it seems it is in our nature to commemorate important dates and...

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Q & A: How can I donate to the fireworks show?

We printed this Q&A column in the June 10, 2019 edition of The Lewiston Tribune. Q: How can I donate to the fireworks show? A: This is the 34th year that AMERICAN INSURANCE is the major sponsor of the valley’s...

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Q & A: Do I need to insure my ATV?

We printed this Q&A column in the May 10, 2019 edition of The Lewiston Tribune. Q: Do I need to insure my ATV? - A: Generally, “YES”, for two reasons – it may be required by law and your exposure to liability is...

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Are Shifting Worker Demographics Affecting Claims?

Even though the number of employees age 55 and older has doubled since 2000, workers compensation claims have been declining. Why? That question led to some surprising answers in the National Council on Compensation...

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Idaho Extends Wage Claim Deadline

On March 18, 2019, Idaho Governor Brad Little signed legislation (H.B. 113) extending the time in which a claim for unpaid wages could be made to the Idaho Department of Labor, or in District Court. Idaho workers who...

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Q & A: Is Identity Theft Growing?

We printed this Q&A column in the April 10, 2019 edition of The Lewiston Tribune. Q: Is Identity Theft Growing? - A: Yes, unfortunately Identity Theft is one of the most common outcomes following business data...

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Email scams that target small business

How I Locked Up My Computer Network - As published in our Spring 2019 newsletter I fell victim to a ransomware email scam in 2015 and want to share my story so you won’t make my mistake. Here’s how it happened to me......

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Welcome Natasha Sullivan

As published in our Spring 2019 newsletterWe were looking for someone who would be naturally helpful, friendly and courteous for customer service as well as organized, detailed and prompt with great computer skills. We...

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Idaho Takes Aim at Uninsured Drivers

Idaho law has required mandatory auto liability insurance since 1988 by means of the owner’s signature of compliance when registering a vehicle. Despite that, about one out of every eight drivers do not carry auto...

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Free Indoor Document Shredding Week Set April 15-19

AMERICAN INSURANCE customers are invited to bring their sensitive personal and confidential documents for our free indoor shredding event. Guard against identity theft by keeping your sensitive documents out of the...

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Q & A: Is Uninsured Motorist Auto Coverage Required?

We printed this Q&A column in the March 10, 2019 edition of The Lewiston Tribune. Q: Is Uninsured Motorist Auto Coverage Required? A: Idaho and Washington residents are required to purchase Uninsured Motorist (UM)...

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Review controls, policies to prevent employee dishonesty

Employee Dishonesty – Review your controls & policies According to the U.S. Chamber of Commerce, employees steal an estimated $30 billion to $100 billion per year from their employers. From inventory theft, to check...

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Q & A: When should I re-shop my auto insurance?

We printed this Q&A column in the Feb. 10, 2019 edition of The Lewiston Tribune. Q:&A: When should I re-shop my auto insurance? A: We recommend re-quoting auto insurance about once every three years, even if...

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Shawn Sullivan named President at American Insurance

Fourth generation takes helm of family owned agency - Shawn D. Sullivan, CIC, is now serving as President of American Insurance effective Jan. 1, 2019. The announcement was made at the agency’s Dec. 14 annual staff...

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We won! Business of the Year Award 2018

AMERICAN INSURANCE was chosen as the “Business of the Year for 2018” by the Lewis Clark Chamber of Commerce. This recognition from the business community is an true honor. We strive to be a leader within our industry...

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Q & A: Can I buy medical insurance when Exchanges are closed?

We printed this Q&A column in the Jan. 10, 2019 edition of The Lewiston Tribune. Q: Can I buy medical insurance when Exchanges are closed? A: The answer is “NO” – unless you qualify for a Special Enrollment Period! ...

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103,000 sign up through Idaho Exchange for 2019

More than 103,154 Idahoans enrolled in health insurance coverage for the 2019 plan year during open enrollment held from Nov. 1 through Dec. 15, 2018, through Your Health Idaho, the state’s health insurance marketplace....

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Embarrassing Moments 2018

#1 EMBARRASSING MOMENT: 13 people in a party limo with loud music and champagne - what could go wrong? The Lewiston staff of American Insurance took a stretch-limo to our new Moscow office for our holiday party. (...

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