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OKLAHOMA BIRTH INJURY ATTORNEYS The pain of a birth injury is real. No words can describe the feeling that comes from having a healthy pregnancy and a healthy baby in the womb, only to have your baby be injured during delivery due to medical negligence or malpractice. Suddenly, your life changes as you realize that the child that you love with all your heart may require lifelong care because of cerebral palsy or another birth injury. Infants are helpless and fragile, and the utmost care must be taken to deliver the baby safely. However, delivery isn’t exactly gentle, and many things can go wrong that will cause the baby to show signs of distress. Medical providers are trained to monitor these signs of distress and adjust the strategy accordingly. For instance, what was planned to be a vaginal birth can quickly prove to be a case where the doctor needs to perform a C-section instead. Unfortunately, medical providers don’t always make the right decision in cases like these. I...

What is auto insurance? An auto insurance policy is a contract between you and an insurance company.  You pay a premium.  In exchange, the insurance company promises to pay for specific car-related financial losses, within the selected coverage limits, that you may have during the term of the agreement. Most states require that you carry automobile liability insurance in certain minimum amounts.  If you are at fault in an accident the law requires that you pay the damages sustained by the person who is not at fault.  These can include property damage, which is the cost to repair or replace any property that you have damaged.  These can also include damages for personal injuries, which include not only the other person’s medical expenses and lost wages but also damages for pain and suffering, permanent injury, and loss of enjoyment of life.  These damages can come to thousands of dollars even for a minor accident.  That’s why adequate insurance is ...

How Does Cash Value Life Insurance Work Cash value life insurance policies provide lifelong coverage alongside an investment account. A portion of your premiums are paid into the investment account, or the cash value, and this money grows with interest over time. If you want to cash in your life insurance early and surrender your coverage to the insurer, you will receive the policy’s cash value minus fees. However, you can also gain access to your cash value as a policy loan, use the cash value to pay premiums or make a partial withdrawal. What is Cash Value Life Insurance? Types of Cash Value Life Insurance Policies How to Use Your Cash Value What is Cash Value Life Insurance? Cash value life insurance refers to any  life insurance policies  that not only have a death benefit but also accumulate value in a separate account within the policy. Each time you make a premium payment, part of the money goes towards the: Cost of insurance  - This is essentially t...

Do You Need Life Insurance? Even though we're inundated with advertisements telling us we need life insurance, you'll be happy to know that not everyone needs it. As a basic rule of thumb, you DO need life insurance if anyone will be financially impacted by your death. If you don't fall into that category though, it probably makes little sense for you to be investing your money into life insurance policies when it could be better served elsewhere. With that in mind, let's take a look at the categories of people who both need and don't need life insurance: People Who May Need Life Insurance Single parents If you're a single parent you have at least one child who is heavily dependent on your time and resources to care for them while they're young. You wear many hats as a single parent: You cook meals and help feed your children You bring in money and pay for all of life's expenses You drive around town taking them to school, practice, meet-up...

Guaranteed Acceptance Life Insurance Guaranteed acceptance life insurance, also called guaranteed issue or GI life insurance, is typically a whole life insurance policy with a limited death benefit. As with other whole life insurance policies, guaranteed issue policies will build a cash value over time and coverage lasts as long as you continue to pay the premiums. However, death benefits are typically restricted to less than $25,000. Unlike most life insurance policies, there are no health questions when applying for guaranteed acceptance insurance and you don’t have to take a medical exam. Quotes are entirely based upon your age, location and gender. Given the simplicity of the application, you can often get instant coverage, and in many cases purchase online. The downside to guaranteed acceptance whole life insurance is that quotes will be significantly more expensive since the insurer has no health details and has to assume you’re high-risk. Should I Buy Guaranteed Is...

Average Cost of Motorcycle Insurance  Motorcycle insurance is required in most states in the U.S. but regardless of local laws, riders should purchase a policy to protect their bike and financial well-being. The average annual cost of motorcycle insurance in the U.S. is $519, which is well below the average cost of auto insurance. But, depending on which state you live in, average motorcycle insurance rates vary by over 200%. Average Cost of Motorcycle Insurance States With The Lowest Average Motorcycle Insurance States With The Highest Average Motorcycle Insurance The Most Frequent Motorcycle Insurance Claims Average Cost of Motorcycle Insurance We performed a study reviewing motorcycle insurance quotes across all 50 states to see what the average cost of motorcycle insurance quotes was in each one. We then took the aggregate of those premiums and found that the average annual motorcycle insurance rate in the U.S. was $519. You can see what the average cost for motor...

Bodily Injury Car Insurance Coverage: How Does It Work? Bodily Injury Liability (BI or BIL) insurance is one of the two forms of liability car insurance coverage that pay for any damages you caused other drivers. Most states require minimum limits of this coverage to demonstrate your financial responsibility on the road, but consumers can pay more and opt for greater coverage.  Table of Contents  How Does Bodily Liability Coverage Work? How to Understand Bodily Injury Limits How Much BI Coverage Should You Have? How Much Does Bodily Injury Liability Cost? How to File a Bodily Injury Liability Claim How Does Bodily Injury Liability Coverage Work? Bodily Injury Liability insurance pays for injuries you cause to another driver if you are  at-fault  in the accident. Bodily injury does not cover the medical costs of injuries you may get in the accident. It is considered a "third-party" insurance, since it only covers other drivers and passengers (you'...

Who Has the Best Cheap Car Insurance? If you own a car, car insurance is a required expense in 48 of the 50 states. A lack of diligence when shopping for your car insurance could lead to a hefty monthly bill, as well as headaches if you actually need to file a claim. We researched and explored quotes from over 128 companies in 2,700 cities to determine which insurers had the lowest costs, nationally and in each state. Our team also evaluated which companies had the best track record for customer service and the claims process. What Is The Best Car Insurance Company? We identified the auto insurance companies with the cheapest rates, but, as with anything, you want to be sure you are getting high quality service from your insurance company. Reliable car insurance companies are critical in ensuring a smooth customer-insurer relationship. There are a few factors we deemed most important to evaluate a company on which affect policy holders' satisfaction, such as, the averag...