Press release content from Accesswire. The AP news staff was not involved in its creation.

LOS ANGELES, CA / ACCESSWIRE / October 9, 2020 / Compare-autoinsurance.org ( https://compare-autoinsurance.org ) has released a new blog post that explains why drivers should get car insurance quotes before renewal and how this can save them money.

For more info and free car insurance quotes online, visit https://compare-autoinsurance.org/why-compare-insurance-costs-before-renewal

Most policyholders prefer to automatically renew coverage. This is a big mistake that could cost them a lot of money. By not researching the market, they deny themselves the chance of finding better prices. Car insurance companies send renewal information with 30-45 days ahead of the renewal date. That gives a lot of time for drivers to check the new prices. If they are not satisfied with the prices or other aspects, they have sufficient time to research for a new policy.

  • Check if the renewal info contains all the major updates. There are many cases when the rates are high because the insurance company is not aware of the client’s major life changes. For example, married persons are charged less. If the renewal info says that the driver is Single, even though he or she married meanwhile, the policyholder should contact the insurance company and ask for an updated price.
  • If the costs are still high, consider making a change. If all info is correct and updated, but the renewal costs have risen without explanation, the policyholder might be a victim of price optimization. This is a marketing strategy used by carriers on clients that are less likely to scan for better offers or switch carriers.
  • Get car insurance quotes. Using online car insurance quotes will help drivers find all available offers in the area. Plus, online tools allow drivers to

Traveling now carries with it more uncertainty than ever before. If you plan on traveling anytime soon, one thing you can do to protect yourself is get a trip insurance policy that includes coronavirus coverage. Previously, many insurers excluded COVID-related claims due to the virus’ status as a foreseen event/pandemic. But now, some insurers are changing their tune. Here’s what you need to know about how to find travel insurance providers that offer coronavirus-related coverage, as well as what is and isn’t covered.

What is covered

Coronavirus coverage falls into several categories:

  • Trip cancellation: You need to cancel a trip prior to departure because you, a covered travel companion or possibly someone you need to care for contracted COVID-19.
  • Trip delay: Your trip is delayed due to changing COVID-related guidelines.
  • Travel medical coverage: You (or a covered travel companion) become ill with COVID-19 while traveling abroad and incur health care expenses or require an evacuation.

Of providers that are offering COVID policies, most are covering these expenses.

What is not covered

  • Countries with Level 4 travel advisories: Some insurers disclose that if a Level 4 Do Not Travel advisory is issued by the U.S. Department of State for a specific country, you will not receive coronavirus-related coverage. With cases surging in various countries unexpectedly, the list of Level 4 countries is constantly changing. Before booking a trip and purchasing a policy, make sure to check that the country does not have a Level 4 advisory.
  • Fear of getting sick while traveling: Canceling a trip because you’re afraid you’ll get sick does not qualify for coverage under your travel insurance policy. Travel insurance providers have a list of standard reasons that qualify for cancellation, including: car accident, jury duty, terrorist act, military duty and other extenuating circumstances. If you want

Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective.

A home is the biggest asset most Americans have, according to Mike Gulla, director of underwriting at Hippo. He told Business Insider that unlike renters insurance, which is basically liability coverage for your personal belongings, homeowners own their home and have an interest in making sure it is well maintained. 

If the mailman slips and falls on your sidewalk, the dog bites a guest, a tree falls on your roof, or the neighbor’s kid injures himself doing a cannonball in your swimming pool, homeowners insurance can protect you. However, if your provider isn’t responsive to your claims request, that can cost you.

The latest study from J.D. Power, a consumer research company that conducts consumer surveys, shows that an insurance company’s customer service and reputation are driving factors for customers when they’re selecting a homeowners insurance carrier. Now that we’re spending more time in our homes due to the coronavirus pandemic, it makes sense that having a reputable company that responds to claims is important. 

Gulla noted that the J.D. Power study showed a consumer trend change — customers want a partnership with providers, not to be simply viewed as a “policyholder.” Homeowners insurance is something you pay for hoping that you never need it, he continued. However, when you do need it, you expect something for all those premiums paid. He said the industry is seeing a paradigm shift towards amazing customer service and value-added service in order to maintain customer loyalty.

Before the pandemic, people would be home 30% to 40% of time. Now, people are at home

BOSTON, Oct. 1, 2020 /PRNewswire/ — Liberty Mutual Insurance today announced it has been selected by Lyft to provide coverage for drivers using its rideshare platforms throughout Arizona, Michigan, New Mexico, Texas and Utah, effective today. Under the program, Liberty Mutual provides specific coverages in five states from the time a driver has their Lyft app on to app off.

Liberty Mutual Insurance (PRNewsfoto/Liberty Mutual Insurance)

“We’re excited to have been selected to take part in Lyft’s auto insurance program,” said Liberty Mutual Insurance Sharing Economy & New Mobility Senior Vice President and Chief Underwriting Officer David Blessing. “Drawing on Liberty Mutual’s deep expertise in both commercial and personal lines, we are able to deliver complex risk management solutions to meet the insurance needs of one of the preeminent companies in the sharing economy.”

“We’re pleased that Lyft recognizes our dedication to innovation as we continue to develop compelling products and services that meet customers’ changing needs,” said Liberty Mutual Vice President, Product Technology Solutions, Nicholas Grant.  “Our Mobility Practice brings together specialized underwriting, actuarial, claims, and service teams for rideshare giants like Lyft, as well as car subscription, vehicle sharing, delivery services, and autonomous vehicle companies.”

About Liberty Mutual Insurance

At Liberty Mutual, we believe progress happens when people feel secure. By providing protection for the unexpected and delivering it with care, we help people embrace today and confidently pursue tomorrow.

In business since 1912, and headquartered in Boston, today we are the sixth largest global property and casualty insurer based on 2019 gross written premium. We also rank 77th on the Fortune 100 list of largest corporations in the U.S. based on 2019 revenue. As of December 31, 2019, we had $43.2 billion in annual consolidated revenue.

We employ over 45,000 people in 29

Report shows insurance coverage of biomarker testing has not kept up with innovation

PR Newswire

WASHINGTON, Sept. 29, 2020

LUNGevity Foundation and American Cancer Society Cancer Action Network report indicates some improvement but substantial gaps still exist for many patients

WASHINGTON, Sept. 29, 2020 /PRNewswire/ — LUNGevity Foundation, the nation’s premier lung cancer-focused nonprofit organization, in partnership with the American Cancer Society Cancer Action Network (ACS CAN), issued a report today analyzing private payer health insurance coverage of biomarker testing for non-small cell lung, colorectal, breast, and prostate cancers. The study serves as an update to a similar review of health care coverage issued by both organizations in 2018.

LUNGevity Foundation logo (PRNewsfoto/LUNGevity Foundation)
LUNGevity Foundation logo (PRNewsfoto/LUNGevity Foundation)

Since 2015, LUNGevity has been working to ensure that all advanced-stage non-small cell lung cancer patients have access to comprehensive biomarker testing at diagnosis, progression, and recurrence, and have the results before making treatment decisions. LUNGevity defines comprehensive biomarker testing as a multiplex panel (also referred to as a multi-gene panel in the report, such as a Next Generation Sequencing panel) to detect multiple mutations including, at a minimum, EGFR, ALK, ROS-1, BRAF, NTRK, RET, MET, HER-2, KRAS, and an immunohistochemistry test to measure levels of the protein PDL1.

Limitations in health care insurance coverage often affect access to these vital advances, which leads to disparities in treatment. The report found that private payer health care coverage is more prominent for single-gene tests. However, health insurance companies are still slow to cover targeted multiplex panels and other forms of testing, such as minimally invasive liquid biopsies, also known as blood-based biomarker testing.

“LUNGevity is proud to partner with ACS CAN on this study as part of our ongoing commitment to improving the lives of cancer patients,” explained LUNGevity Senior Director of Public Policy Initiatives Kristen