One major reason these Discount Programs exist is that the preferred level of the insurance provided by GHS is very comprehensive. This implies that some employees are better off taking out individual or group insurance from the Private sector. This is especially the case if the target is to achieve the maximum coverage for their employees. In other cases, some staff may even prefer to invest in a car themselves if they are able to acquire a policy with a very high cover.
This is an excellent opportunity to benefit from all the benefits of GHS car insurance. In addition to the substantial coverage you will be provided with, there are other benefits you will enjoy. A policy for one person could offer you the following benefits.
Starter Package – Provided by all GHS employee car insurance http://www.edlastore.com/ghs-employee-car-insurance.html policies, the Starter Package will include all the benefits listed below: Right to hire another driver, which includes the right to hire and drive additional vehicles while being covered by your policy for the car you are driving
Vehicle maintenance cover for any third party damaged to your car in the course of using it Vehicle insurance protection against a complete loss Vehicle liability protection for damage to third parties to a person’s car Traffic and third party liability insurance cover Roadside Assistance cover
Free car rental cover The benefits of GHS car insurance for drivers who are on a health insurance policy are below. How to get maximum cover under the GHS car insurance policy The below three steps will guide you through how to get the maximum coverage under the car insurance policy. Step 1: Completely understand the risks and benefits of each benefit
When considering the various benefits of the car insurance policy, the biggest consideration you should make is to understand the risk and benefit of each benefit. This is because the benefit you are looking for may have very specific costs attached. The reason this is so important is that not all benefits are the same. It is vital to understand that for instance, you may not be paying a flat annual premium for your car insurance. You may have to pay premiums as per the type of vehicle you own. So, you will be paying a higher premium for your personal car insurance.
The other issue that needs to be considered is that the benefits listed in your car insurance policy are also dependent on the claims that you make. This means that in the event that you fail to make a claim, you could be penalized. With all this in mind, you should understand the level of coverage that is available and consider what options you have. For example, if you are someone who claims a very low number of times, you may want to go for the lowest premium coverage that is available. This would mean that the policy only covers you up to a certain amount.
Even if you have to pay for the full amount of the premiums for the car insurance, this is still a good policy, especially because you will get all the benefits listed below. Right to hire a car on a temporary basis Unlimited insurance coverage Vehicle maintenance cover for third party damage Vehicle insurance protection for damage to third parties to a person’s car Free vehicle rental cover The benefits of GHS car insurance for drivers who are on a disability insurance policy are below. Step 1: Completely understand the risks and benefits of each benefit
The major difference between a disability insurance policy and an employee car insurance policy is that the latter is targeted towards employees and the former is targeted towards individuals. This means that the benefits provided under the disability insurance policy are also very comprehensive. The major benefit provided by a disability insurance policy is the right to hire another driver, which includes the right to hire and drive additional vehicles while being covered by your policy for the car you are driving.
Another benefit provided by a disability insurance policy is the right to hire and drive additional vehicles while being covered by your policy for the car you are driving. This is in addition to the right to hire and drive additional vehicles while being covered by your policy for the car you are driving. The right to hire a second driver is necessary in certain situations where a single driver is unable to operate the car due to a disability.
In addition to this, a disability insurance policy also provides you with the right to get one free car rental, which means that you will be covered for the car rental costs incurred while you hire a car. The one car rental that a policy provides is generally unlimited, but is normally reduced in the event that you bring in multiple vehicles to use for car hire.
Your employer will normally provide you with an annual or bi-annual disability policy, whereas you can purchase a standalone disability insurance policy on your own.Saying the Right Things When Filing Insurance Claims
Many business owners make the mistake of not saying the right things when they call in to make a claim. For instance, you may not say something to the effect of "Hi, this is Frank, calling regarding a car accident I had last Friday." Instead, you may say "Hi, this is Mike Smith, calling about a claim I submitted for an accident I had on Friday."
This mistake is incredibly common. It's not that people don't want to help you out, it's that they are not familiar enough with your business or with your circumstances to understand what you are trying to tell them.
So, instead, try these statements: "Hi, this is Frank. I am calling to make a claim on my car I had a few weeks ago. This is my business phone number. Can you help me?"
Not Saying "What I am Talking About"
I was once a client of an insurance company that charged me an exorbitant amount to add me to their auto and home insurance plans. When I complained about it, they told me that they would charge me less if I used their specific insurance consultants.
At the time, I thought that this was a good deal. After all, why pay over $200 in extra premiums just to make sure that I wasn't leaving a forwarding address in the event of an emergency?
However, after getting no work done for several weeks, I called and asked to be removed from the policy. The representative said, "No, we'll charge you an extra $150 to do that."
That is the perfect example of saying the wrong thing. In this case, the representative didn't know that I was switching insurance companies because of their poor service. But he also knew that he wasn't going to be able to change my mind.
So, he told me that he would charge me an extra $150 because he didn't want to lose the business. It was an absurd decision on his part, and one that had major consequences.
Following the Money
You need to remember that money talks. Therefore, the more you give them the right information, the more they will listen to you. For example, if you are a business owner, you should make sure to say, "I am calling to avoid problems if you need to file a claim or a claim is filed against you. The accident happened on my route."
Again, if you use words like "accident" and "disability" and "fall," they will be more likely to pay you what you are asking for. You'll also be able to clearly show that you are not trying to take advantage of them.
Undermining Their Authority
When they try to redirect you to another agent or tell you that you need to do the paperwork that they are asking for, remind them that they are not an insurance agent. Just as if your account manager had called you, you would be entitled to speak with a supervisor to clear things up.
Also, never ask for any paperwork in an angry tone. For example, you might say, "So, there's no problem, but can you tell me what it is I need to do to make this whole thing happen?" In other words, you are not trying to convince them to do anything.TRANSPORTATION COALITION OF TENNESSEE ON IMPROVE ACT BECOMING LAW
The following statement may be attributed to Susie Alcorn, executive director of the Tennessee Infrastructure Alliance:
We thank Gov. Bill Haslam for signing the IMPROVE Act into law. All Tennesseans will benefit from the largest tax cut in state history and our residents, visitors and businesses will enjoy an enhanced transportation system.
It’s smart to have better roads, safe bridges AND tax cuts.
Specific thanks are due to the members of the Tennessee General Assembly who worked tirelessly for passage of the IMPROVE Act, in particular Senate sponsor Sen. Mark Norris and House sponsor Rep. Barry Doss.
Legislation Gives Tennessee Largest-Ever Tax Cut
NASHVILLE (April 24, 2017) – The Tennessee General Assembly voted today to pass Gov. Bill Haslam’s IMPROVE Act, giving the state its largest tax cut in history, including a 20 percent tax cut on food.
The House voted to adopt the Senate’s version of the bill, which prioritizes 962 projects across all of Tennessee’s 95 counties, addressing a $10.5 billion backlog in repairs and updates. The legislation also includes a local option for municipalities to hold their own referendums for tax increases to fund local transportation needs and provides property tax relief to veterans and the elderly.
“We thank Gov. Haslam for his leadership and the members of the General Assembly for coming together to pass such a historic piece of legislation,” said Susie Alcorn, executive director of the Tennessee Infrastructure Alliance. “This is a great move forward for Tennesseans, and we all will see the benefits of better roads, safe bridges and tax cuts. By using user fees to fund the projects, the IMPROVE Act is the fiscally responsible way to fix our state’s transportation infrastructure needs, and we are glad our lawmakers agree.”
The IMPROVE Act creates a long-term, dedicated funding source to fix Tennessee’s outdated transportation infrastructure by making a modest increase to the user fees on its roads and bridges while providing a tax cut to the food, business and Hall income taxes.
The increase in the user fees also means Tennessee residents won’t shoulder the entire burden alone, as revenue will be captured from visiting tourists and the trucks moving goods through the state. This continues Tennessee’s history as a pay-as-you-go state, meaning the people who use the roads pay for their upkeep.
The bill now moves to the governor’s desk to be signed into law.