California’s inability to meet air pollution standards has generated a lot of expensive hospital care, according to a study by the nonprofit research RAND Corporation. More people in California live where air quality fails to meet the federal clean air standards than in any other state.

From 2005 to 2007, California’s poor air quality resulted in more than $193 million worth of hospital care. Rand researchers think that excessive levels of ozone and particulate pollution caused nearly 30,000 emergency room visits and hospital admissions during those years.

Who Is Hardest Hit by Air Pollution

The Rand researchers looked at air pollution agencies and hospitals throughout California. Their goal was to estimate how excessive levels of particulate matter and ozone affected emergency room visits for asthma, and hospital admissions for respiratory and cardiovascular problems.

They found that the most common hospital care triggered by air pollution involved emergency room visits for asthma affecting children. That accounted for more than 12,000 trips to emergency rooms during the three-year period. Nearly three-quarters of these trips were triggered by high levels of tiny pieces of soot that can penetrate deeply into the lungs.

How Much Does Air Pollution Cost Californians?

The cost of treating health problems caused by air pollution equals the expense of providing flu vaccines to 85 percent of the children in California under the age of 15. The most expensive situations were the hospital admissions for acute bronchitis, chronic obstructive pulmonary disease, and pneumonia triggered by air pollution. Such conditions accounted for nearly one-third of the $193 million worth of medical costs documented during the three-year study.

This is a conservative estimate of medical costs because it does not include outpatient care from clinics or medical offices. That data cannot be examined because such care is not routinely reported to state agencies.

What Diseases Are Aggravated by Air Pollution?

Asthma attacks can be triggered by air pollution, and asthma, itself, can be caused by pollution. A pollutant causes small airways to constrict, and that makes breathing harder even when you’re healthy. When someone is already prone to asthma, it can be life threatening. These attacks are one of the major causes of air pollution related deaths in Europe and North America. Unlike other chronic obstructive lung diseases though, asthma is reversible.

Chronic Obstructive Pulmonary Disease (COPD) is actually a group of diseases that includes asthma, chronic bronchitis, and emphysema. COPD is also spreading as air pollution worsens.

Cystic fibrosis is also aggravated by air pollution. This disease affects mucous glands throughout the body, including in the lungs. Thick mucous develops in the lungs, and allows harmful bacteria to thrive. People with cystic fibrosis have more lung infections and breathing problems, and studies show that the respiratory complications are worse for patients near high air pollution.

Studies have also indicated that living with high air pollution increases your risk of complications and death from diabetes and heart disease. Researchers in California, Spain, and Switzerland have all found that auto exhaust contributes to the thickening of artery walls, which can increase risk of heart attack and stroke.

A study in the journal PLoS ONE measured the carotid artery wall thickness of 1,483 people who lived near freeways in the Los Angeles area for approximately three years. The artery wall thickness among people living within 100 meters (that’s 328 feet) of a highway increased by 5.5 micrometers per year. That was more than twice the average progression seen in other study participants.

Likewise, researchers at the University of Birmingham found a strong correlation between pneumonia and motor vehicle exhaust.

Health Insurance in California Protects against Medical Disparities

A study published in the American Journal of Public Health found differences in the quality of care provided by Federally Qualified Health Centers, known as safety net providers, intended to improve care in underserved urban and rural communities. Studies indicate that quality of care depends on insurance status even in these centers. People with private insurance receive the best care, and people without insurance get the worst.

In the article Insurance Status and Quality of Diabetes Care in Community Health Centers, researchers found that uninsured patients were the least likely to receive diabetes quality of care measures. Quality of care for Medicaid patients was similar. Other studies have uncovered similar disparities in care quality when children were hospitalized for a variety of conditions, and when adults were hospitalized for trauma injuries.

Researchers have also uncovered a similar pattern in Differences in Breast Cancer Diagnosis and Treatment: Experiences of Insured and Uninsured Women in a Safety-Net Setting. Insured women with breast cancer were diagnosed with smaller tumors and at earlier disease stages, and received surgery and chemotherapy considerably faster than women lacking insurance.

Preventive services, diagnostic evaluations, and therapeutic treatments all depend on whether you have health insurance. In California, air pollution makes that even more critical.

You have a better chance of controlling asthma if treatment is begun early, and treatment can reduce the number and severity of asthma attacks.

For COPD, lifestyle changes and medical treatment can help you feel better, stay active, and slow disease progression. Likewise, treatment for cystic fibrosis can also ease symptoms and reduce risk of complications.

Since California has the worst air pollution in the nation, health insurance in California is a much higher priority. Being such a large market, California also has a variety of insurers, and literally hundreds of plans at different prices to help.

With that in mind, US residents are frantically searching for a creative method – any method – to cut the premium of their yearly vehicle insurance. You might even have made the effort of calling local insurance agents to request premium quotes from the companies they carry. Sadly calling all those agents wastes a lot of time, because all insurance agents need to have all of your personal info prior to telling you a rate. This means a lot of time wasted on the horn, and little in the way of reduced rates to feel good about.

It\’s obvious then, if placing a call to them isn\’t the answer, then using your car to drive around to their locations isn\’t going to work any better. After all, going that route would use up even more time, and net roughly the same results. You could literally waste an entire afternoon, not to mention quite a bit of gas, and wind up saving just a tiny bit on your monthly coverage costs.

Another simpler method of reducing your auto policy is visiting the website of (or phoning) one of the big insurance firms that advertises low prices, like Geico or Progressive. People have have enjoyed saving a lot of dough going that direction.

The big issue with going that route, however, is that due to the fact that you are still dealing with only one insurer you honestly can\’t know for sure that you\’ve saved the most amount of money, can you? Realistically, if one company quotes you a money saving premium, what if another company was even less, and a third firm even less than that? Could you ever be certain, unless you contacted each of them, which leaves you back at square one, right?

Can any answers be found? On the bright side, a solution exists, and you will find it both easy and helpful. In addition, you can be certain, in a very short time, that you are finding the lowest quotes you can find. This is what the web has given us. Wouldn\’t you like to learn more?

Under normal circumstances, the whole thing uses under eight minutes. Savings may range between a few hundred to several hundred dollars, but certainly how much you save will be based on your driving record plus other intangibles. Without fail, savings can be big.

Now that you know how, what\’s holding you back from filling out the form and saving some dough?

The problem is that car windshield replacement is a costly affair. A viable alternative is windshield repair, which most insurance companies now accept in place of replacement. In fact, they even waive the client’s deductible should he or she choose to repair instead of replace the car windshield. This makes financial sense to insurance companies too, because they save millions each year this way. By repairing instead of replacing an auto windshield, the original windshield retains the integrity of its factory seal. In short, everyone wins. Windshield repair is a high margin specialty service, making it a major industry.

Auto windshields suffer damage in varying degrees. Often, car owners ignore a small crack caused by a flying stone or minor collision. This can be a mistake, since small cracks tend to spread on a car windshield, especially in very cold weather. This is because manufacturers make toughened auto windshield glass under intense pressure. The glass has very high density and this causes cracks to widen progressively. In other words, even small cracks in a car windshield can be a serious matter.

Fortunately, it is now possible to repair cracked and seriously scratched auto windshields. New auto windshield repair solutions include the revolutionary PRISM (pre-resin injection suspension method) technology and various techniques that involve injecting resins into the cracks with or without vacuum. This process can take a few minutes or last as long an hour, depending upon the crack present.

An auto windshield may not always be a good option as repair is not feasible for bigger sized cracks. In such cases, the car owner has no alternative but to replace the windshield. Auto safety norms demand that a motor vehicle has a proper windshield that does not affect the driver’s ability to navigate effectively.

It is possible to undertake car windshield replacement and repair without involving professionals in the process. There are many kinds of car windshield replacement and repair kits available on the market today. Windshield repair kits usually feature the resin compound that acts as filler, injectors that fill this resin into the crack, holding structures to stabilize the affected area and curing lamps to speed up the setting process. Such car windshield replacement and repair do-it-yourself solutions include instructional videos that guide the car owner in the proper use of the kit.

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About half of Bender’s patients have either Anthem Blue Cross Blue Shield or United Healthcare — the two companies that hold 53 percent of the market in Colorado — so losing either contract could push him toward bankruptcy.

It’s forbidden under antitrust law for doctors to collude about rates and demand that insurance companies reimburse them more for their work. But in what some argue is lopsided policy, insurance is one of the few industries exempt from federal antitrust laws that prohibit price fixing and “bid-rigging,” the practice of unscrupulous brokers ensuring that favored insurers get contracts.

A major goal of national health care reform is to spur competition in the insurance industry. Reform advocates argue competition would drive down costs. Among the latest proposals up for debate in Washington: yank the antitrust exemption in place since 1945.

The health-insurance industry argues that it is not engaging in anticompetitive conduct and that the exemption doesn’t shield such conduct anyway.

Health insurance is regulated by state insurance commissioners, so repealing the federal antitrust exemption would do little more than undermine the current regulatory structure, said the industry’s national trade organization, America’s Health Insurance Plans.

Democratic lawmakers pounced on the antitrust exemption soon after insurance companies pulled support for leading reform proposals. Insurers, who had cautiously supported reform throughout the past year, released reports this fall predicting that health care premiums would rise even faster than they do now under current reform plans.

“It’s just political battling back and forth,” said John Soma, who teaches antitrust law at the University of Denver’s Sturm College of Law. “The power of this insurance lobby is just awesome.”

Layers of complex law

Antitrust law includes layers of complex regulation, but at its most basic level, insurance companies would have a harder time setting their rates if they lost the exemption, Soma said. Insurance companies are concerned that repealing the federal antitrust exemption, part of the 1945 McCarran-Ferguson Act, would end their ability to share data.

It’s simple to understand why life insurers, which aren’t targeted in the legislation, might want to communicate: perhaps to catch a terminally ill customer who buys multiple million-dollar policies. Medical malpractice insurers, which would lose their exemption under the bill, sometimes share financial information much like auto and home insurers, reporting “historical loss data” specific to particular cities to a centralized service bureau. Other companies then use the data to set rates.

But the main targets of the legislation — health insurers — say they typically don’t share data. They don’t tell one another, for example, what they reimburse a hospital for a knee surgery or how much they give a radiologist for an MRI.

Insurers argue that the practice of sharing data actually increases competition, because it helps new companies enter a market by giving them clues about where to set rates.

“Our opponents say that is price-fixing,” said Lawrence Smarr with Physician Insurers Association of America. The company represents medical-malpractice liability insurance companies owned by doctors.

Smarr is among those who say supporters of pulling the exemption are merely looking for a “good sound bite.”

“It is a political move,” he said. “Most people in the United States don’t understand what McCarran-Ferguson is and don’t understand what the states’ role is in regulating insurance.”

But David Balto, a former policy director of the Federal Trade Commission who now works for the Center for American Progress, a left-leaning think tank, said eliminating the antitrust exemption is a first step toward increasing competition in the insurance industry.

Regulation of anticompetitive behavior among insurers is weak in most states, Balto said. A recent Center for American Progress survey found no antitrust actions brought by state insurance commissioners and that about one-third of the states “brought no significant consumer protection actions.”

Health insurers don’t need the antitrust exemption now because the market isn’t competitive, Balto said. But after health care reform, new companies or cooperatives will emerge and the country will need to prevent the four or five dominating insurers in a given area from colluding to kill off new competition, he said.

Lack of competition has led to bigger profits for insurance companies, reduced coverage for customers and “an epidemic of deceptive and fraudulent conduct,” according to a Center for American Progress report.

“A tsunami of health-insurance mergers has led to such high levels of concentration in insurance markets that there are now only one or two dominant insurers in many states. And these local monopolies go unchallenged because there are substantial barriers to entry and expansion for other insurers.”

A question of leverage

In Colorado, five companies dominate the health-insurance market. Larger companies have swallowed up smaller ones, and particularly in the past year, several small insurers have left Colorado.

Officials at Anthem — Colorado’s largest health insurer with 867,000 “covered lives” — insist the competition is robust in the state. And, they say, physicians often possess powerful leverage during negotiations.

In many Colorado towns, doctors of a certain speciality, such as pediatrics or urology, have formed business groups, in part so they can better negotiate with insurance companies.

Insurers have a tougher time walking away from a practice if it contains almost every urologist in town, said Janet Pogar, Anthem’s vice president of provider engagement.

And in rural areas where doctors are scarce, Anthem sometimes has to pay higher rates than in cities to make sure the insurer’s rural customers have an in-network physician. In the Gunnison area, for example, there is just one general surgeon, Pogar said.

Even family doctors practicing on their own have some negotiating power, she said.

“It’s not just, ‘You ask for a rate increase, I’m going to slam the door,’ ” she said. “That just doesn’t happen.”

But Dr. Brent Keeler, an obstetrician at Aurora Women’s Clinic, disagrees. In 27 years, he said, he has “negotiated” only one contract with an insurance carrier; the rest were “take it or leave it” offers, “usually lowball.”

Insurers will tell a physician, ” ‘We have other doctors who will take these rates,’ ” Keeler said. “The doctor is then faced with a difficult choice.”

It’s illegal under federal antitrust law for doctors who aren’t business partners to find out what other doctors are paid and ask for the same. The law categorizes that as price-fixing.

Guarding information

Health-insurance companies in Colorado must file the premium rates that they charge customers with the insurance commissioner. But they closely guard proprietary information about how much they reimburse hospitals or doctor’s offices for procedures. They’re not required to tell the state those numbers.

Anthem insurance executives declined to disclose their average reimbursement rate to Colorado physicians, some of whom said it was near 115 percent of what the government reimburses for Medicare patients.

Anthem executives would say only that the average reimbursement in Colorado is “much higher.”

Colorado Insurance Commissioner Marcy Morrison said she is “comfortable” that the industry is regulated appropriately and that it’s unlikely price-fixing or bid-rigging has taken place.

“The only thing that I find perhaps troubling is in the area of competition,” Morrison said. “I do see more and more companies that are merging and companies buying up smaller companies, and I do worry about the size of the companies.”

What would be the next step once you select a policy that suits your requirement? Well, you would then be expected to contact a brokeror organization who is extending the greatest commercial vehicle insurance quote.  Most of these agents extend effective online support in the form of inbuilt quoting characteristics that can help you ascertain the price coverage of these insurance policies along with offering leverage benefits. So how can you acquire the best insurance policy deal? Here are a few points that can guide you in this regard. Analyze the risks of your insurance policy, as most establishments either over-insure or under-insure your automobile. Also stay abreast the changing trends in the auto industry that can help you purchase a commercial vehicle insurance that can insure many items right away. Your talks with the broker should not leave behind any confusions on commissions and prices. Ensure that you gain good understanding on all the articles of the insurance policy. The total sum cited must match with the insurance policy that you are presented with.

Where can you start your hunt for the best commercial vehicle insurance quote? Internet would be the greatest place to begin with. You can find several such websites and a few assure to provide a precise quote just under 6 minutes! They also permit you to equate your quote against the quotations proposed by other leading insurance policy providers like GMAC, progressive, align general, 21st century insurance, MetLife auto, liberty mutual, travelers and infinity. Researching for the greatest quote is also made simple with the help of these websites.

Online commercial vehicle insurance policy expects that you submit your personal data along with the SSN particulars that assists as your personal identity proof. Info on your motor vehicle such as VIN (Vehicle identification Number) model, and millage are essential along with related information on prior accidents or moving violations. You would also be required to supply the particulars of all the drivers being covered under the insurance policy. The last apparent requirement would be a credit or debit card for you to make an online payment.

Cost coverage on accidents or other issues are now met by the Commercial vehicle insurance policy that assists guarantee your vehicle’s security and thus save you from unnecessary qualms. So get your automobile insured right away!

how much is homeowners insurance?
depends how much your house costs mine is only worth 85,000 – so my home insurance covers up to 105,000 for more or less $55 a month come on! that’s like asking “how much is vehicle insurance?” it depends on the value of your home, coverage, your rate, etc. Depends on the…

How much money , collectively would home insurance progress up for owning a trampoline?
thanks Most insurers will not even insure you with a trampoline. If you purchase the insurance since you purchase the trampoline, then your insurance will not go up, but be prepared if they come out for inspection or you own a claim early in…

How much of a deductible do most populace enjoy on their home insurance?
I am an insurance agent – I would say most of the smaller homes (under $200,000) enjoy probably $250 or $500. Average sized homes ($200,000 to $300,000 or so) have $500 or $1,000. The larger homes own $2,500 & the enormous (well over $1,000,000)…

How much would home insurance be for a home on Floridas Gulf coast?
house would be probably 3/2. Do most policies include hurricane cover? thank you The best way to find out is to speak near a homeowner’s insurance broker located in your nouns. A broker represents several companies and can shop around for the ones still…

Is Mercury Insurance a fitting home insurance company?
They’re ok. It’s more about the POLICY, and which endorsement you have on it, than in the region of the company. Mercury is an A+ rated shipper, so they’re financially strong.

How would I claim on my home insurance?
I’ve got a bit of a problem next to my shower at the moment – there is wooden panelling around the plinth of the shower which is getting damp probably due to a slick from the base. I’ve call a plumber out to take an initial look, apparently there’s…

I am growing my insurance agency. Any sugguestions on how to avoid the time consuming “busywork”?
I am good at getting people to buy from me, but hate all “busywork”. I am licensed and live in California, and sell personal health, life, car, and home insurance. I recognize that by not doing all the work, from running the…

I am paying twice the premium on my nursing home insurance than my friend. Am I getting screwed?
I enjoy RiverSourse Life and he have John Alden. Looks close to benefits are equal. Help. I agree near the above post. The other key unfixed is when respectively policy be purchased. If your friend purchased his/her policy a long…

I be wondering what a home insurance policy looks resembling. Can anyone serve me out?
If you own your home, the policy whould look something like this: Mr. & Mrs. Zorn 1234 Zorn St. Zornia, MI 48382 Primary HO3 (homeowner’s policy) Coverage A Dwelling replacement $ Coverage B Other Structures $ Coverage C Personal Property $ Coverage…

I broken my nose at my friend house on his table and he as $300,00 in home insurance how much should i get ?
Well, the only thing you’ll “get” without suing him, is his medical payments limit – which is usually around $500. And you have to submit medical bills, they’ll pay up to your medical…

I can’t apprehend Home Insurance stuff?
I called for a quote on my home insurance and they start throwing all these numbers at me resembling they told me what my house is worth and then they tell me they cover approaching 90% and my wind and hail protection have a deductible. Does this sound right? I mean what…

I enjoy a upcoming tot. what type insurance would be relevant?
Are you discussion in the order of motherliness insurance to support wage for the check-ups and distribution? If so, it is too unpaid if you are already pregnant. That’ resembling getting home insurance after your house burns down. The lone resort would be to receive a…

i enjoy file ruin will getting saloon or home insurance firm to do?
Read the question ancestors! She is asking about insurance not a loan. It should not impact your insurance whatsoever unless you apply for it next to Allstate. Allstate recently made the report by announcing that they would be using credit scores to rate auto…

I inevitability facilitate finding home insurance to replace my lender placed home insurance! My husband misunderstood, he th
You need to contact a local, independent agent, and explain to them you’re currently uninsured (true, from the insurance company point of view, single your LENDER is currrently covered), and need homeowners insurance. You’ll LIKELY be put near a…

I live surrounded by a coop apartment and necessitate chief home insurance, Which insurance delivery service have the best rates?
The building is already insured but the basic fixtures surrounded by my apartment is not, like cabinet, etc. What will be the best insurance for me? this sounds more like a condo, if you are responsible for…

I stipulation suggestion on becoming a insurance agent?
My dad is an insurance agent and I would like to become one to. How do I grasp a licence? Is there an age issue? Could I do it part time to start beside? Do I need to study a book? To supply auto and home insurance, you’ll need…

I want to find out nearly what insurance company someone enjoy?
Im looking on information on someone. Because he isnt responding to my lawyers constraint letters. My lawyer have sent two out to him already. Its be going on since May 1st. He havent notify his home insurance company. Because they would of been contact my attorney….

If my child get hurt on my backyard trampoline – will my/his robustness insurance cover his injuries?
Or would that be a home insurance claim?

If their,s a fire surrounded by your home and u don’t enjoy home insurance can u be made to wages the desecrate?
or can u just income the dedecable on ur landlord insurance You didn’t right to be heard what caused the fire. Say you be burning candles or left a pot on the stove that cause…

If you retribution for your home insurance yourself when in attendance is fire wrong will the check be yours or the mortgage?
If there is damage to the structure, over $5,000, the mortgagee MUST be tabled as a payee on the check. The check goes to you, but will list you and the mortgage company directly, regardless…

Insruance for engagement rings where on earth do i progress?
i want to insure my engagement ring whilst in London who best do i progress through – companies Travel Insurance or home insurance if you live in UK but you stipulation to ensure that you have the right cover usually for personal belongings – an extra premium….

Insurance claim?
i have tesco’s home insurance and enjoy had to take home a claim on my sofa, but i have lost the receiving and the company i got it from have gone into administration and is no longer operating as a business, plus the wall account i have at the time has be closed so i…

Insurance fraud interrogate?
Hope u guys can settle an argument. My mate has chance damage insurance via his home insurance. His stereo is pretty outmoded and he told me he could buy a really good, but shabby one dead cheap, articulate he owned and damaged it, and claim for a topical one on the insurance. Ignore the fact…

What is the best means of access to report a home insurance claim,my friend have river coming up from her floor,we mull over it’s
foundation problems,the concrete slab may have cracked. She have already called her insurance company and they are sending a insurance adjuster out, Tuesday. But should she confirm what is cause the water first,until that…

Insurance Underwriting: Anybody know of any companies that would underwrite and brand a home insurance policy?
I am with a home upturn magazine which specializes in advertisement and we are interested in finding an underwriter that would be of a mind to brand a product ?a home insurance policy. The underwriter will handle adjectives daily operation regarding…

Is it allowed for a home insurance company to require renters insurance for a domestic partner?
From a Multi-Line General Agent “No”, It is not officially recognized for your Home Insurer to require your domestic partner to make a purchase of renters insurance unless they are in actuality a “Renter”. It may also not be Illegal surrounded…

Is it better to report home insurance claims seperate or a short time ago one claim?
My home sustained some damaged due to a snow nose-dive back within december. I didn’t file a claim rear then and immediately that I got some shingles dog-eared due to strong wind i would resembling to file a claim. I be…

Is it too in arrears to acquire mobile home insurance?
I live in Southj Texas.

Is it true that a home ins. co. can choose to drop you after you file a legitimate claim?
We live in the Front Range of Colorado (1 hour west of Denver) and I have been told that home insurance companies don’t want to cover us as the risk of fire is too great and therefore will use…

More home insurance questions please visit : InsuranceFreeFAQ.com

If, like many Americans, your family car is also used for purposes that could be considered commercial use, you may want to steer yourself into a chair and look over your
insurance policy.

  You’ll need to consider buying a commercial policy or making sure that your existing personal auto policy covers the vehicle for business use. Whether or not you need a commercial policy depends on how you use your vehicle and what company you have it insured with. Every company has different guidelines and may surcharge for business-use coverage on a personal auto policy.

  If you’re not sure whether business use is covered on your personal policy, it’s important to call your insurance company or agent. The Progressive Group of Insurance Companies has put together these four questions you may want to ask:

- How do companies determine commercial use? One definition could include “engaging in transporting goods for compensation or a fee,” which includes pizza or newspaper delivery, catering, door-to-door consulting services, landscaping or snowplowing services, logging business, day care/church van services or farm-to-market delivery. People who do these kinds of work should consider purchasing a commercial vehicle policy.

- Do you need more liability coverage than a personal auto policy provides? Generally, a commercial auto policy offers higher limits of liability, but less or no coverage in areas that are typically not associated with commercial auto risks.

- Do you need special coverage for situations encountered while conducting business?

Commercial auto policies usually offer these coverages, and they’re normally not available with personal auto policies. These include hired and nonowned auto coverage and coverage
for towing a trailer for business use.

- Do you need to list any employees as drivers? Commercial auto policies allow you to list anyone that you employ. You don’t have that option with a personal auto policy. In general, you’ll need commercial auto coverage if the vehicle you use is owned by a corporate partnership or driven by employees, or if it’s used to haul tools or equipment weighing more than 500 pounds, make deliveries or heavy enough to require state or federal filings.

 Did You Know?

 If, like many Americans, your family car is also used for purposes that could be considered commercial use, you may want to steer yourself into a chair and look over your insurance policy.

 About our Agency

 Nicholas Schidowka began his work in the insurance and financial services industry in 1997. In 2001 he obtained Ohio licenses in Property and Casualty insurance and Life and Health insurance.

 Since then, he has worked hard to provide various insurance services to his customers including auto, business, health, home, and life. His professional and courteous approach to the insurance field has cultivated a diverse and loyal clientele in the Cleveland (Parma), Ohio area.

 In 2007, Insurance Cleveland Agency LLC was formed. As an independent agency, Insurance Cleveland Agency has access to several different insurance carriers including Aetna, Encompass (a division of Allstate Insurance Company), Golden Rule (a UnitedHealthcare company), The Hartford, Medical Mutual, Ohio Casualty (Member of Liberty Mutual Group), Progressive, Safeco (Member of Liberty Mutual Group), The Providence Association, Travelers, Victoria
(parent company is Nationwide Mutual Insurance Company), Dairyland/Viking (Member of the Sentry Insurance Group) etc.

 In May of 2008 Insurance Cleveland Agency was pleased to announce the addition of Ivan Voytovych to the team! Mr. Voytovych is a highly qualified and valuable addition to the ICA team and helps the agency cater to the company’s English, Ukrainian and Russian speaking customers.

 March of 2009 saw the addition of Ms. Iablonskaya as an insurance producer who speaks Polish, Russian, and English while in April of 2009 Mr. Ciszkewycz who speaks English and Ukrainian also joined our team as an insurance producer.

 Insurance Cleveland Agency is conveniently located off of Pearl Road and Highway 71 in the Islander Office complex. Office hours are Monday – Friday 9:00 am to 12:30 pm and 1:30 pm to 5:00 pm. Please call ahead for an appointment.

 Please give us a call at 440.866.0155 or visit us on the web at insurancecleveland.com, your free quote is waiting for you without any obligations. Many insurance policies are needlessly expensive and often out of date. We will work hard to give you the best service and there is a
very good chance you can save money and improve your insurance at the same time.

Just like almost everything else in life automobile maintenance and preparation are key to an uneventful winter’s motoring.

What can you do to get your car ready for winter? Plenty.

First of all book an appointment to give your car a complete inspection and tune up before the real cold of winter sets in. It is no secret in life that most people live everything for the last minute. In the case of winter time repairs, by leaving things for the last moment will mean delays and lack of vital transpiration to you. You may be spending unnecessarily time waiting for the bus in the dead of winter; up before the crack of dawn just to make it to work on time, so the boss does not give you a telling for arriving late to work.

You can be sure that if you wait for that real cold snap to book the inspection and tune up for your car – then every else in the world – or at least in your town – will be there at the garage or local Canadian tire outlet begging for quickest service in the world.

First you will have to get your frozen, non starting vehicle to the garage. That will involve long waits both on the phone line and then an even longer wait for the tow truck to arrive. Then it’s off to the garage repair shop to wait in a long line and beg for service trying to jump the queue. Problem is everyone else is in the same boat. You all will have to wait the same.

Imagine if you would have only booked the appointment some time earlier – or at least before the worst cold snap of the season, so far arrives. Your car will start. You can drive it to the repair shop. Timing can be done at your leisure. Perhaps the dealer or repair garage facility can even give you a lift to work in their auto transport shuttle. All in all it’s a much more civilized way and manner to have your routine winter tune up and inspection done early and earlier before the rush sets in. A lot easier, perhaps less expensive and certainly less stressful for you and your vehicle as well.

With the routine tune up there are a couple of extra touches which provide for extra attention to your vehicle for the winter ahead – be it car, truck, van or S.U.V.

First make sure that the engine oil and radiator coolant are changed. Have the transmission, power steering, brakes, radiator and battery fluids checked as well. It’s a good practice to change the radiator anti-freeze every year or second year at most. Anti-freeze not only protects your engine , radiator and coolant hoses from freezing – it also feeds the heater and window defroster to keep you warm , snug and safe when driving your car in the wintertime.

All in all the importance of a winter check up and tune up for cold wintertime driving can not be overemphasized. Plan ahead to make your motoring trouble free. Cars need care. Good care will ensure that your vehicle will run efficiently and will last a longer time. Especially if you drive in cold winter areas and in wet or cold climates you not only need to fight rust on your car body but also freezing frigid weather and automotive mechanical breakdowns.