All insurance policies these days have a seven day 'cooling off' period which should be ample time for you to read, understand or question, any wording in the policy that you don't understand or think needs further clarification either from a lawyer or from the insurance company issueing the policy.

There is no point in asking advice from a mate or from another insurance broker dealing with another company because you are taking the insurance out with one company so you need to clearly and fully understand their terms and conditions.

When taking out a car insurance policy you need to know if you have any excess to pay and if so, how much and what for. Some policies charge a higher premium and include things like windscreen damage while others charge a lesser amount but you either have to pay a set amount per claim or so much of the replacement windscreen cost. It's all these 'little' things that you need to be very clear about because you could be caught short cash wise or put in a claim for some minor damage but end up losing that years no claim bonus which may have been worth several hundred dollars. And that would make any claim a very expensive claim because you pay this price for a couple of years in lost bonus points.

Losing a no claim bonus is a bigger deal than some think it is because over the years this no claim bonus will save you many hundred's of dollars. If you have been a trouble free driver for the past fifteen years, don't you think you have earned a special deal on your car insurance? Well, the insurance company thinks you do too, so treat it with a lot of respect. After all, you have earned a cheaper quote on your car insurance but be careful not to make it the most expensive insurance you've ever had.

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Currently, Miami, Florida's minimum car insurance requirements are:

Personal Injury Protection (PIP): $10,000

Property Damage Liability (PDL): $10,000

However, Miami, Florida also has what's called bodily injury coverage (BIL). Up to the limits of your policy, BIL is coverage for any serious personal injuries or death you cause other persons due to a car accident that is your fault.

Sometimes, BIL will cover accidents caused by your or other members of your home, despite the car being driven, as well as covering you in the event that someone to whom you have given permission to drive your car has caused an accident.

The average, safe driver usually doesn't need to purchase BIL in Miami, Florida, making your quest for cheap Miami car insurance easier; however, sometimes you are required to purchase BIL if you have been charged with and convicted of certain motor vehicle-related offenses. Many Miami, Florida drivers may also have to purchase BIL coverage because they do not own their car out right. This means they have a lender, financier, or lien holder who has also invested in the car and requires the "owner" to purchase all available car insurance coverage. Always check with everyone involved in the purchase of your car, including the dealership, about your Miami, Florida car insurance requirements.

Regardless of how much insurance you do, or do not, have to purchase, there are always additional ways to get, and keep, cheap Miami car insurance. For example, keeping your driving record clean by avoiding traffic violations and accidents helps, as does adding safety features to your car. Plus, making regular, on-time insurance payments will prevent your car insurance policy from being cancelled, which always looks good should you choose to switch car insurance companies.

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Now word comes that Blue Cross plans in two different states are taking a different approach. The Blues in Texas and Illinois have announced filing for approval of a new child only health insurance policy.

No details on rates or benefits but the announcement to insurance agents in those states includes this comment.

Blue Cross and Blue Shield of Illinois (BCBSIL) is committed to offering the broadest possible range of products for our members, as well as to maintaining its strong financial position. Thus, on Friday, July 16, 2010, it filed a new policy called Blue Pathway to provide coverage for children age 1 through 18 when the child is the primary insured (commonly called “child-only” policy) with the Illinois Department of Insurance (DOI).

This new coverage option responds to an Interim Final Rule that was issued by the Department of Health and Human Services (HHS) to implement several provisions of the Patient Protection and Affordability Act of 2010 (PPACA). In this Rule, HHS has determined that provisions limiting the application of pre-existing condition exclusions for children under 19 means that all children under 19 who apply for insurance for which they are eligible on or after Sept. 23, 2010, cannot be denied coverage—this is commonly known as “guaranteed issue.”

BCBSIL has long supported guaranteed issue as a way to ensure access to affordable, quality health care for all Americans, particularly children and young adults. However, that must be accompanied by an effective mandate for individuals to obtain coverage. PPACA itself recognizes the importance of pairing guaranteed issue with an effective mandate to ensure a sustainable insurance marketplace, with both being required in 2014. However, this Interim Final Rule addresses only guaranteed issue for children under 19, not any current requirements for them to have health insurance.

Without the mandate, it becomes too easy for people to buy insurance only when they feel they need services. This could be compared to allowing drivers to buy auto insurance once they have a fender-bender, and then drop coverage after their car repairs (financed by the insurance company and other insureds) are complete. This leads to what insurers term as “adverse selection,” which ultimately leads to unaffordable coverage for everyone. The Wall Street Journal recently published an article that demonstrates how this happened in Massachusetts, whose mandate has not proven as effective as originally hoped. This is based on a study commissioned by the Massachusetts Division of Insurance by the consulting firm Oliver Wyman.

Translation, the premium rates for this plan will start high and get even higher the longer the plan is on the market.

The lawyers that designed Obamacrap clearly had no idea what they were doing. This is not surprising given that most elected officials have never held a real job in the private sector. 

During the interim period while we are waiting for authorization to sell this new product, BCBSIL will temporarily suspend issuing new policies to children under 19 when the child is the primary insured. BCBSIL will stop quoting its current child-only policies on July 30, and the last assigned effective dates for those policies will be Sept. 15, 2010. Any application that has not been approved by Sept. 1, 2010, will be withdrawn from consideration.

The memo from Texas Blue Cross contains language that is virtually identical to BCBSIL.

So far BCBSGA has not given any indication they will follow suit. We will continue to monitor changes in the market place, particularly as they relate to Obamacrap, and keep our readers advised.

My wife and I bought a house with a rental in back. And it was occupied, the rental was. Grace was a girl in her junior year of college on a year lease. When the lease was up, she said she didn't know how long she'd stay, so could we convert her to month to month. We did and she stayed for five more years, not moving out till she got married. That was our only experience of renting. We had the perfect tenant who wound up being one of our best friends.

So now we have that rental back there, empty, forlorn and alone, plus it's not paying it's fair share of our mortgage. We need a new tenant. But how can we ever replace Grace? How can we ever be so lucky again? We put a sign in the window and you won't believe the kind of people who knocked on our door. We took the sign down. Then I bought this book.

Did you know you have to be very careful when you reject possible tenants, for a variety of reasons? You could get sued! Who knew? Plus there's potential liabilities with a rental, we never worried about that with Grace. Okay, we're not big time landlords, we just have that small rental in back, but even that can get you in a lot of trouble if you don't have the right person in it. What if we had somebody in there who set up a meth lab, or a serial killer, you have to be careful, you have to screen your tenants. We'd been lucky with Grace, she didn't cook up drugs, she didn't kill people, she even took care of all the minor repairs.

So now that we've gone through the book we feel like we're ready to try our hand at a new tenant. We're not going to insist on a lease, though if we did there's a good lease agreement in both English and Spanish on the included CD. There's also a good month to month rental agreement, which we're going to use. Plus, we've decided to only advertise on bulletin boards at the University.

Back to the book, this is a well organized book that is easy to understand. It points out all the the pitfalls a potential landlord can get into and tells you how to avoid them. Plus the included CD has all the forms a landlord might ever need. If you've got rentals, you can't go wrong with this book.

Every Landlord's Legal Guide Feature

• ISBN13: 9781413311976
• Condition: New
• Notes: BUY WITH CONFIDENCE, Over one million books sold! 98% Positive feedback. Compare our books, prices and service to the competition. 100% Satisfaction Guaranteed

Every Landlord's Legal Guide Overview

deal with problem tenants

Every Landlord's Legal Guide provides over 30 forms you'll need, including leases and rental agreements, on the included CD-ROM. The 10th edition is completely revised with the latest in the law, plus explanations of new federal rules affecting foreclosed properties and new information on security deposits in your state.

The 10th edition is completely revised with updated information, and discusses new developments in domestic violence protections for tenants. (20080202)

Every Landlord's Legal Guide Specifications

This is a practical, well-organized manual for how to be a good landlord and avoid some of the pitfalls of owning rental property. Sample leases and rental agreements, information about liability, discrimination, repairs, and maintenance, and how to deal with problem tenants fairly and legally are all contained in here. Maybe if more landlords read this book, more tenants would feel like they and the owner are not intrinsic adversaries. Even though we get along quite well, and have for the last 22 years, I lent my copy to my landlord--for the other tenants' sakes!

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Related Products

• Every Landlord's Tax Deduction Guide
• First-Time Landlord: Your Guide to Renting out a Single-Family Home (USA Today/Nolo Series)
• Leases & Rental Agreements
• Every Landlord's Guide to Finding Great Tenants
• Landlording: A Handymanual for Scrupulous Landlords and Landladies Who Do It Themselves (Landlording, 8th ed)

Customer Reviews

A lifesaver - webebuyers - Indiana
It pays (or saves you money) to know ahead of time how to protect yourself and what is expected of you legally as a landlord. This guide will help you avoid many pitfalls and make you a better landlord to your renters!



Not every landlord is perfect but not every tenant is either... - Maria Poole - Southeast
and one needs to be prepared. I have been privy to quite a few situations not only from my parent's businesses but also from working for a property management company. This book is written for the layman and that is what makes it so useful and cost effective. Unfortunately nightmare tenants do exist...rent the movie "Pacific Heights" for an extreme example. In the reality I have experienced one needs to know the ins and outs of the law. The last thing you want is to be sued by a tenant that you are trying to evict. The information in this book and the forms provided for download may very well prove to be priceless.






excellent nonprofessional overview - Konrad Baumeister -
All of Nolo's legal guides are written with the non-licensed, non-professional practitioner in mind. They are logically laid out, written in the simplest and most direct terms, and eminently useful; and this Landlord's Guide is no exception. Each prospective landlord, from one renting the other half of a duplex up to the owner of hundreds of units, ought to own it, read it at least once, and have it handy to refer to on a regular basis.

The safest practices in landlording start before a property is listed, and continue through tenant selection, documenting each step of the pre-occupancy and occupancy thoroughly and correctly, and being fair but firm in application of all policies. Each area of the ownership and practice of apartment leasing is broken down, with multiple examples given for illustration, and references for further information included.

Property ownership and leasing has become a legal minefield, and it's made worse by the differing laws and practices from state to state. This guide gives links to applicable websites and legal codes for each state, covering such items as security deposits, timelines for notices, evictions, duty to rent, etc etc.

Finally, the accompanying CD gives dozens of eminently useful forms, in Word (rtf) and pdf formats, many of them also in Spanish. The use of these forms, and how to utilize them, is fully explained in the guide, and the forms themselves, if used properly, are well worth the cost of the book.

Landlords often don't think carefully about their procedures until they have a problem on their hands, often a costly one that may or may not end up in court. Early reference to this handy and easily understood guide will help head off many of these issues, and the book is highly recommended.

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