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You have to make a lot of decisions in a day, and the prospect of having to make one more can seem like the last straw. Unfortunately, your car insurance isn’t as incidental as, say, what you’re going to have for dinner! You have to have car insurance, and it has to be sufficient to meet both Oregon car insurance requirements and your own personal insurance needs. The question is, how low can you go?

Oregon Car Insurance Requirements

When it comes to car insurance requirements, Oregon is one of the most inflexible states in the continental 50. If you’re busted driving the Oregon highways without insurance, even if you’re driving on a light vehicle trip permit, you’re going to be paying the consequences for years in the form of SR-22 compliance, fines and, in some cases, a complete suspension of your driving privileges. Local law enforcement may even decide to “relocate” your vehicle.

Needless to say, whatever they do it’s not going to be good. When you register a vehicle with the Oregon DMV you’re committing to carrying the minimum car insurance requirements on it at all times while it’s on the road. Breaking that promise comes with stiff consequences. It’s much easier for everyone to just pick up the phone, log on to the web and purchase your Oregon car insurance policy.

When you’re in Oregon you’re required to have a minimum of:

1. $25,000 per person bodily injury and property damage liability,
2. $50,000 per crash for bodily injury to others,
3. $10,000 per crash for anyone else’s personal property that decides to get involved,
4. $15,000 in personal injury protection (to cover “reasonable and necessary medical, dental and other expenses one year after a crash”), and
5. $25,000 per person and $50,000 per crash in uninsured motorist coverage.

Is This All I Need to Have?

With today’s stiff economic hardships and the recession dragging on with no immediate end in sight it’s very, very tempting to say good enough is good enough and stick with the bare minimum Oregon car insurance requirements (i.e. whatever isn’t going to get you slapped with fines you’ll be paying off for years). That doesn’t mean you’re going to be protected against whatever life and route 84 throw your way.

Who’s going to pay for damages to your vehicle if hail the size of your fist starts falling from the sky? Or your car gets stolen while you’re shopping at Lloyd Center? There are an infinite number of possibilities besides crashing that could cause damages to your car, and you don’t want to be left without wheels for weeks while you try to come up with the money. That’s why even though they’re not technically part of Oregon’s car insurance requirements, comprehensive and collision coverage for your vehicle should still be a part of your insurance policy.

But that’s entirely between you and your budget.

When it comes to car insurance Oregon isn’t playing around, so don’t wait. Contact your Oregon car insurance dealer today to make sure you’ve got the insurance coverage you need at a price you can afford.

First, the good news: Surgeons at University Medical Center have successfully reattached the piece of skull that had been removed from bantamweight boxer Z “The Dream” Gorres, who suffered a traumatic brain injury after a November fight at Mandalay Bay’s House of Blues.

Now the bad news: Last week’s intricate procedure at the publicly funded hospital, combined with more than two months of around-the-clock nursing care and painstaking rehabilitation work by a team of physical therapists, has driven the medical expenses of the financially strapped Gorres to nearly $600,000. It’s a bill that Southern Nevada taxpayers must largely pick up, because state law requires promoters to put up only $50,000 worth of medical insurance for each fighter in the ring.
The consequences of the Filipino boxer’s brain injury have prompted elected officials and the Nevada Athletic Commission to work toward crafting a solution that keeps taxpayers off the hook for the medical care of professional boxers.

But Las Vegas is home to lots of different events, and some are very risky. Could Clark County taxpayers end up footing the bill when other athletes or entertainers are hurt when performing here?

“We probably have more big events than any other city in the country,” said Dr. Dale Carrison, head of the emergency department at UMC and its chief of staff. “As everyone knows, Las Vegas is a magnet for that sort of thing. And if someone does get badly hurt, UMC’s trauma center generally takes care of them.”

NASCAR, National Finals Rodeo, Cirque du Soleil, daredevil stunts by the likes of the late Evel Knievel, the Las Vegas Rock ‘n’ Roll Marathon, National Hot Rod Association drag racing, championship boxing and mixed martial arts — these are just some of the major events held in Las Vegas.

A survey of medical insurance coverage held by individuals who engage in events or performances where there is risk of injury — the kind of events that thrill both live and TV audiences — has found that coverage can range from nothing to 100 percent.

Bill Rundle, a longtime promoter of Knievel, said last week that the motorcycle daredevil “who broke every bone in his body” generally couldn’t get medical insurance for his stunts because “they were too dangerous.”

“No one would write him a policy for something where there was a good chance he wouldn’t make it. It’s that way with most people who do those kind of things.”

Rundle also has promoted some stunts performed by Knievel’s son, Robbie, “and getting insurance was always a problem for him, too.”

Robert Zirkelbach, a spokesman for America’s Health Insurance Plans, a trade association for 1,300 companies, said it would not be uncommon for an insurance company to refuse to cover a daredevil, or to offer medical coverage at such a high premium that it would be difficult to afford.

Attempts to reach contemporary daredevil Robbie Maddison, whose successful motorcycle jump at the Arc de Triomphe at Paris Las Vegas wowed crowds on New Year’s Eve 2009, were unsuccessful. Maddison has suffered a number of serious injuries in stunts around the world.

Both Rundle and Zirkelbach said community leaders should be aware of the possible financial consequences should a daredevil be injured during a stunt in their community.

It was a 1967 stunt at Caesars Palace, Rundle said, that helped cement Evel Knievel’s reputation as a performer who would risk his life to entertain an audience. When Knievel attempted to clear the casino’s fountains on his bike, he took a nosedive that landed him in Southern Nevada Memorial Hospital — later named UMC — for several weeks with multiple pelvic fractures.

“That was early in his career, and he didn’t have money to pay his medical bill,” said Rundle, who talked on the phone from the Mayo Clinic in Arizona where he is being treated for cancer. “I think there were a lot of medical bills he walked away from until he was making good money. Then he had enough to pay them out of his pocket.”

In 1974, the city manager in Carson City said police would arrest Knievel if he reappeared in the state because he didn’t pay a hospital bill there that he incurred in 1968. Knievel ended up in a Reno hospital for 22 days after he unsuccessfully attempted to jump 16 automobiles on his motorcycle.

A collection agency representing Southern Nevada Memorial finally caught up with Knievel in the 1970s, the decade when he netted more than $6 million for his failed Snake River Canyon jump.

The Review-Journal reported that Knievel had “rolled up” a bill of $2,249.51 for his 1967 hospital stay in Las Vegas.

“The cost of medicine has gone up over the years,” UMC’s Carrison said.

EVOLUTION OF INSURANCE

Although daredevils have a difficult time getting insurance, NASCAR drivers don’t.

Jim Hunter, spokesman for the stock car motor racing giant that has a race scheduled in Las Vegas next month, said each driver and crew member now has a medical insurance policy of slightly more than $1 million.

“Even that may not be enough if something really terrible happens,” Hunter said in a phone call Thursday from Daytona Beach, Fla.

In 60 years, Hunter said, medical coverage has grown from $2,000 to its present $1,000,050.

“As the sport grew, there was more at stake,” said the 70-year-old Hunter, who is currently undergoing treatment for lung cancer. “At first, guys were racing as a hobby. They weren’t making a living out of it.”

Hunter said the 2001 death of driver Dale Earnhardt at the Daytona Speedway energized safety efforts by NASCAR, including collision absorbing walls and new head and neck restraints for drivers.

“But no matter what we do, accidents can and will happen and our medical insurance reflects that,” he said.

Like NASCAR, medical insurance for participants in the National Finals Rodeo has dramatically increased over the years.

Jerry Ford, who has written coverage for the Professional Rodeo Cowboys Association for decades, notes that the present coverage of $250,000 is a huge jump from “where we started years ago.”

“When we first started in the ’70s, the maximum limit was $3,000,” Ford said. “It wasn’t until the late ’90s that we got limits above $20,000.”

Since that time, he said, there have been only 10 or 12 performers who “maxxed out” their medical coverage.

One rodeo performer who Ford is certain did that in Las Vegas was bull rider Tuff Hedeman in 1995. Participating in the Professional Bull Riders World Championship finals, Hedeman was bucked off by the bull Bodacious and suffered severe facial injuries.

“I was the first doctor there,” Carrison said. “It was awful. He ended up needing 11 plates in his face.”

Hedeman stayed only a few days in the hospital after his plastic surgery.

“There was never any question about his paying the bill,” Carrison said. “I’m sure I would have heard about it.”

Both Carrison and Ford said rodeo participants hold fundraising rodeos to pay off such bills.

Don Andrews, who was part of the Justin Sports Medical team at rodeos for years, said, “PRCA cowboys don’t walk away from bills. They get together and pay them off.”

Ford said he would not be surprised if bull riders suffer catastrophic brain injuries similar to a boxer’s. “Unfortunately, head injuries happen frequently.”

The most tragic bull riding incident in Las Vegas occurred in December 1994 when rider Brent Thurman was bucked off a bull. The huge animal, Red Wolf, stepped on the back of his neck.

Thurman suffered facial and cranial fractures and massive internal bleeding. He was treated at UMC. Like Gorres, the boxer at the hospital now, Thurman’s brain swelled. After spending six days in a coma, the 25-year-old Thurman died.

PAYING THE PRICE

Many boxers have seen their careers end in Las Vegas.

From 1995 to 2005, 10 fighters sustained career-ending brain injuries in Nevada, with two boxers, Leavander Johnson and Martin Sanchez Jr. both dying from subdural hematomas, the same brain injury Gorres sustained.

Because of federal privacy laws, UMC officials are unable to release the medical records of fighters, athletes or entertainers to whom they gave care. Gorres’ wife gave UMC permission to release her husband’s medical information to the Review-Journal. He was released from the hospital last week and is staying with friends in Las Vegas while undergoing rehabilitation.

Despite the lack of such information, UMC officials said Gorres’ case is an indication that UMC has not been reimbursed for care that could reach into the millions of dollars.

While thousand of people each year are mesmerized by the beauty and grace of the Cirque du Soleil shows in Las Vegas, there’s no doubt the acrobatic performers engage in risky maneuvers.

Audience members watched in horror in 2007 when two performers fell from as high as 35 feet during a “Zumanity” show at New York-New York. Both hit the stage; one performer was left in critical condition. Both were treated at UMC.

But the cost for medical care for Cirque performers, according to show spokeswoman Ceres Hill, is fully covered by the organization’s insurance plan.

The thousands of participants in the Las Vegas Rock ‘n’ Roll Marathon basically fend for themselves when it comes to health insurance, spokeswoman Lee Haney said.

Last year, Eric Reitman, a Las Vegas resident who collapsed near the end of the half marathon, died.

Less serious health problems are common, Haney said.

“Whenever you have more than 20,000 people involved in an event, you’re going to have some injury,” she said.

Marathon participants often buy a personal insurance policy through USA Track & Field, Haney said. Though repeated phone calls to the organization were not returned, its Web site said individuals can purchase a policy that has a maximum accidental bodily injury payout of $10,000.

Just how much, if any, medical coverage is carried by drag racers competing in the National Hot Rod Association events seen frequently at the Las Vegas Motor Speedway is unknown.

“That’s not something we want to divulge,” association spokesman Anthony Vestal said.

Community leaders should make sure they know how much medical insurance coverage is carried by performers in risky events, Carrison said.

Not taking action when coverage seems insufficient can be costly, he said.

“We’re seeing that right now with what happened to that poor boxer.”

Although each car is different from the other there is one aspect which is common to all – the need for car insurance. Irrespective of its make, model and price, every car owner needs to get their car insured to protect it from the various perils that it is exposed to in its day-to-day usage. However, it is important to look at the different benefits and risk coverage offered by the insurance company before getting the car insured. Usually, the insurance provider that offers a whole lot of benefits at low premium rates is deemed to be the best.

In Australia, there are some car insurance companies that provide flexible, convenient and affordable car insurance. These car insurers offer multiple insurance benefits and cover the automobile against damage/loss of the car, damage caused to other vehicles or damage caused to other people or their property by the use of the insured car. The best part is that you get all these benefits at a very low cost premium! The premium amount of the car is variable, and depends upon some factors such as:

- The make, model and price of the automobile
- The driving history and age of the people driving the car
- Any optional factory extra accessories that are fitted in the car
- The policy holder’s residential address
- The finance arrangement of the car

Depending upon these factors, the car’s premium value is calculated.

Most of us never realise the importance of a car insurance policy until we have to make an insurance claim. This can also be when we realise that we have been literally taken for a ride! Since most of us overlook all that is written between the fine lines of the car insurance policy papers, we are never able to fully comprehend the risks we are covered against. The best way to avoid this is to go for comprehensive online car insurance. This would ensure that you get a low cost car insurance policy that covers your automobile against most of the risks and hazards.

Some Australian car insurance companies offer low cost car insurance and also facilitate an easy claim process. They provide low cost car insurance with high risk coverage against accidental and malicious damage, fire or theft for the insured car and physical injury of the car owner. Apart from this, the online car insurance offered by them also covers collision, physical and property damage for third parties. This ensures that your car is covered against all the possible problems that you can face.

There are many things that can occur at the home of a person that is fully insured. All of these instances are covered in some way under the homeowner’s policy that a person obtained when they bought the home and they hoped they would never have to use it. This personal insurance policy seemed like a comfortable blanket of protection that allowed homeowners to enjoy living in the home without any worries.

The homeowner never seemed concerned when hurricanes and thunderstorms were brewing in the Atlantic or the Gulf of Mexico. They knew that the personal insurance coverage would repair any damages that occurred to the property and would even replace the roof if it blew off in high winds. There is a certain amount of confidence that surrounds a homeowner who is fully covered by personal insurance that includes the residence that they live in throughout the year.

A homeowner might have to spend some time with an insurance agent to determine which specific areas of the home need to be specifically mentioned in an personal insurance policy for the home. Some people collect many things over the year that can be very valuable and if these items are not specifically mentioned in a personal insurance policy they might not be fully covered.

A homeowner might want to be covered for everything under the sun, so they would normally glance at a list and select an all risk policy that would take care of anything at all that could possibly occur. Some homeowners might still choose to increase the coverage amounts a bit to cover increases in value down the road and this would alleviate them from having to call their insurance agent again for a very long time.

Some homeowners worry about children playing on the property and they might install a fence to keep them out. They know that there is still a possibility that they can be sued so they might consult the insurance agent to find out where they stand in such a situation. When considering personal insurance for homes, a homeowner should feel comfortable about discussing insurance needs at any time.

Some personal insurance policies may simply need rewording to include various things in the home but there are times when a homeowner might want to include another person on the personal insurance policies and this might require a totally new policy. This is often the case when there is a young driver in the house that wants to borrow the car to take someone out on a date some nights.

Pets ride in cars all the time, but what if they’re injured in a car accident? Whose car insurance company pays to treat their injuries? The answer depends on the cause of the accident.

Riding in cars can be dangerous for pets (as well as distracting to the driver), especially because they ride without the benefit of seat belts. If someone crashes into you and causes injuries to your pet, you’re entitled to make a “third-party claim” with their car insurance company for your pet’s medical bills. That’s because their liability car insurance policy must put you “back where you were” before the accident.

If you are at-fault in a car accident in which your pet is injured, you’ll want to check your car insurance policy for exclusions. Say you crash into another car or a fence: Collision insurance pays for the repairs to your own vehicle. But you may have an exclusion on your collision insurance coverage for damage to personal property that you are transporting, whether it’s your antique vase or your pet. If your car insurance policy has such exclusions, you won’t have a valid claim. For example, State Farm says that its policies don’t provide coverage for pet injuries. Car insurance coverage may vary depending on the car insurance company, so be sure to carefully check your policy.
In this scenario, if you don’t carry collision coverage at all, you must pay for all damage from the accident, including your car and pet.

Perhaps someone comes to visit you and your dog goes to lie down under their car. Then, unknowingly, the visitor backs over your pet. Is the visitor liable for your dog’s injuries? Yes, he is, but not under the bodily injury section of his car insurance policy. Bodily injury pays out for injuries sustained by any “one person” in an accident. Your pet doesn’t qualify as a person so he’s not covered by this portion of the car insurance policy policy.

However, for car insurance purposes, your pet qualifies as your “personal property,” and you have the right to be “put back where you were” before the accident in this case, meaning having a healthy dog. You’d have the right to make a claim on your visitor’s car insurance policy for your dog’s medical bills, just as you would have the right to make a claim if the driver backed over your lawnmower.

The death of a pet

Certainly pets are part of the “family,” and the death of a beloved pet can lead to extreme grief. But your pet’s status as your “personal property” may limit your options for compensation if someone causes an accident that kills your pet. State laws do not recognize the loss of personal property as valid claims for “loss of companionship” compensation, unlike the loss of a spouse. In the event your pet is killed in an accident, you can likely make a claim only for the “market value” of your pet.

Some courts have allowed damages for deceased pets to go beyond “market value” by applying “pecuniary value” or “special value,” which applies to personal property that has no ascertainable market value.

Tips for traveling by car with pets

Source: American Veterinary Medical Association

-Cats should be in a cage or in a cat carrier to allow them to feel secure and prevent them from crawling under your feet while you are driving.
-A dog that must ride in a truck bed should be in a protective kennel that is fastened to the truck bed.
-Dogs riding in a car should not ride in the passenger seat if it is equipped with an airbag, and should not be allowed to sit on the driver’s lap.
-Harnesses, tethers and other accessories to secure pets during car travel are available at most pet stores.
-Pets should not be allowed to ride with their heads outside car windows. Particles of dirt or other debris can enter the eyes, ears and nose, causing injury or infection.

Car insurance coverage for pets has been a long standing issue between car insurance companies and pet owners. There are certain scenarios in which car insurance policies do cover pets, as well as those that do not. It is important to be safe when traveling with pets in your car, hopefully you will remember the tips that we provided. Check with your car insurance company to determine if your pet is covered by your car insurance policy.

One of the great selling points for convincing young people to join the military is the health care benefit packages that come with membership in the Army, Navy, Marine Corps, or the United States Coast Guard. The health care coverage options will include the service member and every member of the immediate family. While on active duty, the services will be provided by medical facilities on base, or at military hospitals that are located throughout the world.

The military provides health insurance at no cost to the service member throughout their enlistment in the armed forces. Health care coverage for dependents is very generous and dental coverage plans are available. Physicians who have joined the military provide the treatment needed by officer’s and enlisted personnel. These physicians will become part of the medical staff that are stationed onboard Navy vessels, or at medical facilities that are strategically placed in foreign lands.

As part of the readiness programs designed by the military, service members are expected to return to duty after treatment has been provided. Some treatments will require the military member to be flown to a specialist in a foreign land. The military service member receives this special treatment at no cost and is allowed to recuperate for long periods before being expected to return to duty. The family will continue to be protected by health care insurance coverage while the member is deployed overseas.

All treatment at military facilities is documented in a military health record for every service member. A copy of the official health record is provided to every service member when they retire and can serve as official documentation for receiving health benefits through the Veterans Administration. The level of benefits will be based on the level of the disability rating assigned by the Veterans Administration, and if the service member is rated totally disabled, they are provided health care coverage for the rest of their life at no charge.

Every complaint for medical service should be documented in the military members health record. Even minor complaints of ear aches, sore throat, or injuries incurred while on active duty should be noted each time treatment is received. The frequency of the complaints will be considered when the Veterans Administration assigns medical disability ratings. The frequency of visits may be large due to the no cost health insurance coverage in place for all members of the military and each one can have great bearing on future medical benefits that are offered for military member discharged early for disabilities incurred while on active duty.

The health benefits packages for members of the military extend to over-the-counter medications that civilians must pay for with money out of their own pocket. All military service members can visit a military health clinic, fill out forms for cough medicines in liquid and pill form, and receive them at no cost. The service member is entitled to regular dental exams, which will include the issuance of dental hygiene tools and cleanings at no expense to the member.

All families need a financial plan, personal insurance cover to the case of accidents, death, illness and disability includes being ready. How do you plan coverage, you must consider your economic situation, age and number of family members. There are a bewildering range of insurance plans and which are best for you depends depend on many factors. Life insurance, for example, is of crucial importance if have a spouse or dependentChildren, but is apparently less important for people who are not nationals. Everyone should buy disability insurance, like all of us need to be covered, if we do not go to work. The following are brief descriptions of some of the various types of personal insurance coverage available.

Car Insurance
* If by anyone who drives a car
* Minimum insurance major

Liability insurance is required before a car and canmany Member States, a medical cover of at least 100,000 U.S. dollars, a minimum coverage of $ 300,000 accident and $ 50,000 for property damage. Unfortunately, these minimum values may not be sufficient, and we recommend that you cover up the required minimum. Additional coverage includes recommended collision, theft and fire coverage. The cost of insurance can often be reduced by selecting a higher deductible.- Free insurance

The prices vary a lot between the companies cited, and you should receive a series ofQuotation mark before the selection. It can often discounts available, depend on them on your driving record, age, where you live, etc. can

Homeowner Insurance —
* Required holds for those who own house

Home personal insurance must be sufficient to cover the costs of renovation and replacement of furniture and fixtures in the event of fire or other damage and in case of injuries covered, what your property. To decide the level of insurance –You will need to rebuild, you subtract the cost of the land and foundations of the house and it important that you cover at least 80% of the cost. Liability for the strategies of most homeowners is usually around $ 250, 000- Free insurance

Life Insurance
* Essential for anyone with a dependent spouse, children or other

Life insurance is a kind of personal insurance pays off, that your loved ones die, if you. TheAmount of coverage required will obviously depend on your financial situation and the circumstances and those that survive, you must continue to enjoy the same standard of living. You need to take into account costs for training and outstanding debts to the decision on the amount of insurance you will need. READ MORE http://www.freeinsurance.equitylinesite.com/2009/09/26/considerations-when-buying-personal-insurance-coverage/

Some consumers are completely lost when they are asked to select the amount of insurance coverage they need for a homeowner’s policy. There are a variety of situations that could occur in and around the home and these instances can cause a significant amount of insurance claims to be brought against the owner if they are not insured for an amount that reaches the right price range.

There are many types of personal insurance that a homeowner can choose and various levels of protection are available under each of those policies. With the help of an insurance salesman or broker, a homeowner can get a true picture of what insurance coverage is currently in place and what adjustments will have to be made to cover new additions to the home such as extra rooms or outdoor equipment such as a pool or whirlpool spa.

Accidents can occur anywhere in the home and this includes the entire property that belongs to a landowner. Some people might exclude driveways or access roads on the property from coverage and later regret it when an accident occurs that causes injuries to people and destruction to crops, nurseries or a multitude of machinery and equipment that is in the general area that is used for business.

The personal insurance coverage for a home might be significantly lower than the insurance required for home businesses. Some insurers will require that separate policies be written that include insurance riders that separate business property from that used in everyday living activities. The homeowner will have to consider the current market value for the home and insure for that amount and more.

Some home insurance policies will have to be modified to include structures that are attached to the home such as porches and portable sheds. The values of insurance coverage should be duly noted for any items on the property that are not considered to be the legal residence of the dweller. A homeowner can achieve considerable value for the money when these structures are included and covered in an insurance claim.

When determining how adequate the personal insurance coverage is when it is time to pay medical expenses for visitors on the property, an insurance policy should include amounts for long-term medical care through rehabilitation programs. The policy should also include the amounts that will cover the replacement cost for utility poles and other equipment that is part of the public utility system.

When considering the amount of coverage needed to protect the homeowner in all areas, the applicant should consider all situations that seem improbable because these are the situations that might ruin lives because people did not insure against them happening. People will often sue just to earn extra cash and hope that people are not covered with enough insurance to find out the truth by coverage that pays for investigators and fees for such things as police reports.