Aceinsurance

Many people are looking to get money for nothing any way that they can. Some people try to extort money from other people, or try to trick them out of their money. My grandmother was scammed into a sure thing investment, and then lost hundreds of thousands of dollars, when the investment turned out to be a fraud. However many people these days are not actually actively looking for free money, but when something bad happens to them, they sometimes take advantage of the situation.

Personal injury claims have really exploded into very large sums of money over the past decade. When I was a kid an accident was actually an accident and not just an easy way to make you rich. I am not saying that all lawsuits are completely wrong or unnecessary, but the system is definitely being abused.

If anyone happens to make a mistake, then there is going to be a lawyer somewhere that will make a case that a malicious act has been committed. Many people will have an accident and just want to make sure that they get enough help to pay their bills. Unfortunately there are quite a few lawyers in the United States that will get a hold of their case, and try to squeeze every penny out of the person who caused the accident. Not only is this not good for the person who is getting sued, but it is also not good for the rest of us either.

The court system is flooded with all of these frivolous lawsuits which cause real cases to have to wait more time before they can be heard. These lawsuits also cause insurance rates to sky rocket, because it is usually an insurance company that has to pay the majority of these large settlements. I believe that the easiest way to fix this situation is to put a cap on the amount of punitive damages that can be given on certain lawsuits. This will slow down lawyers, because they will not have near as much money to go after, and they will have to take more cases that are worth while. I believe that nothing good comes from these lawsuits and something needs to be done soon to fix the problem.

Mothers house burned to the ground less than two years after she buried her husband. What started as a small warm spot under the cedar paneling developed to a wisp of smoke and within minutes a wall of flame.

There was no time for her to think about possessions, treasured photographs or valued antiques. She had time to call 911, put on boots, coat and vacate the house she had called home for almost thirty years. Mother walked down the driveway during the bitter cold night to a neighbors home across the street. I can only imagine what thoughts were going through her mind during that short walk. They stood inside and watched as flames shot higher than any roof line in the neighborhood reducing her memories to ash.

I didnt hear of the fire until the next morning when I made my usual morning call. She was still in shock. How do you even begin to pick up the pieces of your life when every thing you have loved and cherished has gone up in smoke or is burned beyond recognition? I am so proud of my Mother. She was brave and positive through that awful experience watching her home raging with fire.

You may think this is just another story to make you feel bad and that is not the case. I am telling you about this terrible house fire in hope you will realize the importance of insurance. What would happen to you and your family if there was an electrical problem and fire in your home tonight? Would you find safety from a fire with an escape plan? Do you have insurance to help you replace your house?

I cant say enough good things about the insurance company which handled Mothers claim. I cannot imagine a more frightening experience for a senior than to watch their home in flames. Thankfully, many of her possessions were replaced with the help of her insurance. Because there was no record of value (or photos) for the antiques it was impossible to establish a replacement value.

Mother is approaching the first anniversary of the house fire. Without house insurance she would not be living in a newly-constructed home and beginning to pick up the pieces. Thankfully the Fire Department found her cedar chest containing many pieces of china and amazingly most of the photograph albums were salvageable.

It can happen to you. Dont just buy a homeowners insurance policy but also document your possessions. Take video or Polaroid, or 35 mm. This is particularly important if there are antiques or collectibles in your home. Rather than risk losing them keep important papers in a vault at the bank. Extra keys, vehicle information, birth/death certificates, etc. should be in the vault.

Be prepared for a home fire before it happens.