Total Insurance Blog

After the recent devastation in Haiti, many are wondering if Americans have the insurance protection they need in case of an earthquake.

Although some believe that an earthquake is the last natural disaster to cause catastrophe in their area, earthquakes can occur anywhere there are folding faults. According to the College of Charleston, South Carolina was hit by an earthquake that ranged from 6.9 to 7.3 on the Richter scale in 1986, which is as large as the earthquake that just hit Haiti last week. Proving that earthquakes can happen all over the United States and not just in California.

California is one state where earthquakes are viewed as a regular occurrence and causes little apprehension to most residents.

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Marine crew insurance can help protect a mariner under dire conditions, and helps restore good health during rocky times. Mariners manage several perils during their voyages, and a voyage on a ship is no walk in the park.

These days, with pirates wreaking havoc off the coast of Somalia, it is but natural that cargo companies and crew are extra wary about their safety and that of the cargo. Marine crew insurance becomes even more valuable at such a time. Shippers now have to also deal with increased insurance premiums if the ship must travel through the Gulf of Aden.

In this scenario, every crew member must check their insurance policy for the fine print to verify that they have adequate insurance coverage. Read full article…

Auto insurance is very essential as owning and driving a car is associated with many risks and liabilities.

What is an auto insurance?

Auto insurance is an agreement between an insured person or group and an insurance company. Also known as vehicle insurance, motor insurance and car insurance, it is a type of insurance purchased for vehicles like cars and trucks. Its primary purpose is to provide you and your car protection against losses and liabilities incurred as a result of accident.

How does an auto insurance work?

An auto insurance is a contract between an insured person or group and the insurance company.

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We would be in a huge amount of financial worries if insurance was not on our side. If you think about it; if you get in an accident, what happens? The first things people do that have insurance is call their insurance company; those who do not have a hard time coming to them. Face it; having insurance is an everyday occurrence. Car insurance keeps us level headed when we are in the car.

You do not fully appreciate what vehicle insurance offers you until it is too late and you are in a vehicular accident. In our lives, we will at least use insurance once. Many of us will use our car insurance for claims many times in our lives. It really is the luck of the draw; what are your odds?

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When Jules Verne wrote his classic “Around the World in Eighty Days,” international travel wasn’t all that popular, nor was international travel insurance. Clearly, Phileas Fogg and his valet Passepartout did not have to deal with the multitude of plans and benefits available. But then, medical care was not as expensive as it is today.

While Verne’s book was supposed to be a science fiction novel, it is now possible to travel around the world in less than tenth that time! While Mankind has undoubtedly advanced in many areas, more and more dangers lurk around every corner of the world. Attacks on aid workers have increased dramatically over the last decade, and acts of terrorism routinely find a place on news bulletins.
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