​It's a nightmare scenario for any new car buyer. You drive it off the lot and a few days later another driver runs a red light, smashing into your car and severely damaging most of the front end and irreparably damaging the frame - essentially totaling the vehicle.
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If you are one of the Americans who have purchased a motorcycle in the last 10 years, you're clearly far from alone: Ownership has risen steadily in the past decade, and over 13 million people across the U.S. are now riding motorbikes. And of that total, nearly 20% of all riders are women.
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No one likes to contemplate it, but accidents result in over 161,000 deaths per year in the United States. According to the Centers for Disease Control, unintentional injury is the fifth leading cause of death in the country.
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Long-term care covers a variety of custodial (unskilled or semi-skilled) types of care.  Although nursing homes are still part of the long-term care equation, there are many other options to consider:
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• Home health care
• Community-based care
• Assisted living facilities
• Adult day care
• Respite care
• Hospice care

The availability of home DNA-testing kits has resulted in many unanswered questions about life insurance.
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One of the biggest mistakes people make in planning their health and life coverage is assuming they'll never need long-term care services, or that if they do need these services, they will pay for them with their savings.

Many people shy away from long-term care insurance because they worry about premium hikes or the fact that if they don't use the coverage, they never benefit from their premium payments. But now there is a policy that melds long-term care insurance with life insurance.

Introduction

On December 19, 2018, the Department of Health and Human Services (HHS) issued proposed regulations to rescind the requirement that employers and plan sponsors obtain and use a unique health plan identifier (HPID).
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While life insurance may seem confusing and is not a topic people want to address, it is important to have life insurance and to pick the right type of policy. There are different options, and the right option for one person may not necessarily be the right option for another person. Each one has advantages and disadvantages. 
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As natural disasters continue to increase in number and severity, and insurers pay out record amounts of claims for damaged homes in many parts of the country, homeowner's insurance rates are on the rise.

In recent years, that's prompted some homeowners to hunt for the lowest possible premium they can find, but that can end up costing them more than they expected.
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Shopping for insurance based on price alone can have a number of consequences:

• Poor coverage and exclusions that may absolve the insurer from paying all or a portion of the claim.
• Insufficient coverage - or insurance with low payout limits that may not cover all the damage.
• Insurance with a poorly rated carrier that may not be as diligent about paying claims as other insurers.

According to the American Veterinary Medical Foundation, nearly two-thirds of pet owners consider their animals to be members of the family. In any given year, one in three of these beloved family members will need costly veterinary care, even if it’s for routine exams and vaccinations. Should a pet become severely ill and need emergency care, the costs can sometimes be more than pet owners can bear. Pet insurance can help.
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What is pet insurance?
Pet insurance provides coverage for pet illnesses and accidents. These plans are similar to your own health insurance plan, but with more focus on unforeseen medical incidents rather than routine preventive visits. Most pet plans cover dogs and cats, though some may cover other animals.