http://www.concessionaireinsurance.com/blog/View Heritage Insurance Agency - concessionaireinsurance.com's Website Blogen-uspostmaster@www.concessionaireinsurance.comInsurance Website Builder - www.insurancewebsitebuilder.comurn:uuid:f6939b63-0f57-4b0a-8761-5dabc87ad0c8urn:uuid:43964fa1-e205-4a50-a294-17743cff4ab7Important Info For my food concessionaire clients!!!!! Don't Assume your Hired Help Automatically Has Workers Compensation Coverage on your policy especially when you cross state lines or hire temp help!!!! READ THIS!!! Call us to discuss your work ...Thu, 26 Jan 2012 19:11:50 -0600<p>Important Info For my food concessionaire clients!!!!!</p> <p>Don't Assume your Hired Help Automatically Has Workers Compensation Coverage on your policy especially when you cross state lines or hire temp help!!!! READ THIS!!! <br /> Call us to discuss your work comp insurance!!!! </p> <p><a href="http://www.mynewmarkets.com/articles/92788/workers-compensation-and-other-states-3-c-extraterritorial-jurisdictions">http://www.mynewmarkets.com/articles/92788/workers-compensation-and-other-states-3-c-extraterritorial-jurisdictions</a></p>urn:uuid:e6ac95b8-9e46-4416-b2a4-f0b2b57f76a8Allied Insurance is a Nationwide Insurance Company- Merger Creates Fourth-largest Auto and Home Insurer Nationwide and ALLIED Finalize Merger ...Tue, 17 Aug 2010 08:56:24 -0500Allied Insurance is a Nationwide Insurance Company- Merger Creates Fourth-largest Auto and Home Insurer<br /> <br /> <br /> <div class="headline"> <table border="0" cellspacing="0" cellpadding="0" width="649"> <tbody> <tr> <td><b> <div id="headline">Nationwide and ALLIED Finalize Merger</div> </b><br /> </td> </tr> </tbody> </table> </div> <tr /> <td style="height: 5px;" /> <div style="text-align: left;"> <table border="0" cellspacing="0" cellpadding="0" width="649"> <tbody> </tbody> </table> </div> <tr /> <td /> <table width="649"> <> <pre class="release"> Creates Fourth-largest Auto and Home Insurer DES MOINES, Iowa, Oct. 5 /PRNewswire/ -- Nationwide Insurance and ALLIED Insurance today announced the completion of their merger, creating the nation's fourth-largest auto and homeowners insurer. "We are pleased that Nationwide and ALLIED are now one -- unleashing a strong, competitive force in America's insurance marketplace," said Richard D. Crabtree, President and Chief Operating Officer of the Nationwide Mutual Insurance Company, unveiling a new sign at ALLIED's headquarters, reading: "ALLIED GROUP A Nationwide Insurance Company." "With this merger, we begin an exciting new era for all of us at ALLIED Group, an opportunity to play an important part in bringing about unprecedented expansion and growth," said Doug Andersen, ALLIED'S President and CEO. Nationwide Mutual Insurance on October 1 completed its tender offer for ALLIED Group and ALLIED Life and its merger with ALLIED Mutual. (Second-step mergers of ALLIED Group and Life into subsidiaries of Nationwide are expected to be completed in November and will not require meetings of the entities' shareholders.) Crabtree said the merger provides Nationwide, whose personal lines has been mainly sold by an exclusive agency force in the Eastern United States, the opportunity to grow in and Western and Mid-western states through sales by independent insurance agents. "ALLIED has developed a successful formula for the sales and service of personal and commercial insurance products through independent agents, which will be the heart of our future independent agency growth," Crabtree said. Crabtree said Andersen will take responsibility for all of Nationwide's independent agent operations, heading Nationwide Insurance Company of America, which has about 300 employees located at its headquarters in Battle Creek, Michigan and its claims facility in Camarillo, California. The $93 billion Nationwide Insurance Enterprise, based in Columbus, Ohio, is one of the country's largest diversified insurance and financial services organizations and a Fortune 500 company. </pre> </> <tbody> </tbody> </table> Creates Fourth-largest Auto and Home Insurer<br /> <br /> &nbsp;&nbsp;&nbsp; DES MOINES, Iowa, Oct. 5 /PRNewswire/ -- Nationwide Insurance and ALLIED<br /> Insurance today announced the completion of their merger, creating the<br /> nation's fourth-largest auto and homeowners insurer.<br /> &nbsp;&nbsp;&nbsp; "We are pleased that Nationwide and ALLIED are now one -- unleashing a<br /> strong, competitive force in America's insurance marketplace," said Richard D.<br /> Crabtree, President and Chief Operating Officer of the Nationwide Mutual<br /> Insurance Company, unveiling a new sign at ALLIED's headquarters, reading:<br /> "ALLIED GROUP A Nationwide Insurance Company."<br /> &nbsp;&nbsp;&nbsp; "With this merger, we begin an exciting new era for all of us at ALLIED<br /> Group, an opportunity to play an important part in bringing about<br /> unprecedented expansion and growth," said Doug Andersen, ALLIED'S President<br /> and CEO.<br /> &nbsp;&nbsp;&nbsp; Nationwide Mutual Insurance on October 1 completed its tender offer for<br /> ALLIED Group and ALLIED Life and its merger with ALLIED Mutual.&nbsp; (Second-step<br /> mergers of ALLIED Group and Life into subsidiaries of Nationwide are expected<br /> to be completed in November and will not require meetings of the entities'<br /> shareholders.)<br /> &nbsp;&nbsp;&nbsp; Crabtree said the merger provides Nationwide, whose personal lines has<br /> been mainly sold by an exclusive agency force in the Eastern United States,<br /> the opportunity to grow in and Western and Mid-western states through sales by<br /> independent insurance agents.<br /> &nbsp;&nbsp;&nbsp; "ALLIED has developed a successful formula for the sales and service of<br /> personal and commercial insurance products through independent agents, which<br /> will be the heart of our future independent agency growth," Crabtree said.<br /> &nbsp;&nbsp;&nbsp; Crabtree said Andersen will take responsibility for all of Nationwide's<br /> independent agent operations, heading Nationwide Insurance Company of America,<br /> which has about 300 employees located at its headquarters in Battle Creek,<br /> Michigan and its claims facility in Camarillo, California.<br /> &nbsp;&nbsp;&nbsp; The $93 billion Nationwide Insurance Enterprise, based in Columbus, Ohio,<br /> is one of the country's largest diversified insurance and financial services<br /> organizations and a Fortune 500 company.<br /> <br /> Info provided by: <a href="http://www2.prnewswire.com/cgi-bin/stories.pl?ACCT=104&amp;STORY=/www/story/08-31-1999/0001013010&amp;EDATE">http://www2.prnewswire.com/cgi-bin/stories.pl?ACCT=104&amp;STORY=/www/story/08-31-1999/0001013010&amp;EDATE</a>=urn:uuid:e0ab2535-f167-4de0-a1fd-747dbb44bec2What are my options if the auto insurance claims rep offers me a settlement amount for my totaled car that is lower than its replacement value? I actually want to have my car repaired but the insurance company's replacement value is so low the car is...Mon, 02 Aug 2010 19:53:02 -0500<div class="question">What are my options if the auto insurance claims rep offers me a settlement amount for my totaled car that is lower than its replacement value? I actually want to have my car repaired but the insurance company's replacement value is so low the car is considered totaled. I think it's repairable. The difference between their assessment value and the estimated repair costs are less than $1000. I fear I will end up with a much worse car than before if I accept their settlement offer. - Steve P.</div> <div class="answer"> <p>If you check your policy, you will see that when your vehicle is damaged, you are entitled to the cost of repairs.&nbsp; If, however, it would either cost more to repair the car than its market value, or it is a fairly close call, then the company owes you the &ldquo;actual cash value&rdquo; (ACV) of the car, not the replacement cost.&nbsp; (See below)&nbsp; And if you choose to keep the car and repair it, the insurance company will deduct the salvage value of the vehicle from the ACV when they pay you, because they could have sold the salvage to a salvage yard for parts had they taken it from you. Keep in mind that the ACV less the salvage value (and possibly less your deductible, as well), is often not enough to fix the car.&nbsp; Sometimes it is best to take the money and run; i.e., turn over the car to the insurer for the ACV less the deductible.<br /> <br /> The ACV is arrived at by different methods, but many insurance companies use the Kelley Blue Book to find a value for the same year, make and model of car, and add on for additional features or deduct for the lack thereof. If, for example, your car had a stereo with 12 speakers, and the car listed in the Kelley Blue Book has only the factory-installed radio with 4 speakers, they would add on a few hundred for the upgrade.&nbsp; If you disagree with the value the insurer has come up with, you can dispute it by providing them with documentation to support what you believe the car is worth.&nbsp; Find cars of the same year, make and model with similar features for sale on the Internet or in the newspaper, being sold by dealers or individuals for more money.&nbsp; If the insurance company still won&rsquo;t budge, utilize the Appraisal Clause in your policy, which usually provides that you and the insurer each hire your own appraiser to determine the value of the vehicle.&nbsp; If the two appraisers agree, it&rsquo;s settled. If not, a third (referee) appraiser is hired to help reach the decision.<br /> <br /> Website: <a href="http://www.autoinsurancetips.com/actual-cash-value-how-auto-insuranance-companies-determine-value-your-damaged-car">http://www.autoinsurancetips.com/actual-cash-value-how-auto-insuranance-companies-determine-value-your-damaged-car</a></p> </div> <div style="padding-bottom: 10px; margin: 25px 0px 0px 70px; min-height: 75px; padding-left: 100px; padding-right: 0px; display: block; background: url(/image/view/54/thumbnail) no-repeat 4px 50%; height: auto !important; border-top: #ccc 1px solid; padding-top: 10px;"> <div style="margin-top: 5px; font-size: 13px; font-weight: bold;"><a href="http://www.autoinsurancetips.com/lori-mandell" jQuery1280796489037="20">Lori Mandell</a></div> <div style="color: #666; font-size: 11px;">Lori Mandell is an attorney, writer and editor. Her specialty areas include insurance, personal injury and estate matters. </div> </div>