Importance of the insurance in life

Sometime insurance paly the role of parents. U never know how and where we have to face the risk whcih we would have never expecte to face it . In that situation we will be helpless and unable to think , and lose the control over the situation. We wants to take help from others and if we donot get any help and we are compelled to sit and cry.
But think if we do the insurance at the right time then we donot need to cry and sit helpless. This is the gurante to all the people of the world.
Well , the devekoped countries people do the insurnace compalsorily.
They know the importance of the insurance. If u know the improtance of the happiness and want to be secured form the risky life then u should do the insruacne immedieatly.
No one can sure the continuity of the life .so we want to be happy and wish to live happily .
Its very hard to feel the importance of life .Ever one has different saying and feeling in the world in the same manner in the context of insurance many peole has different views. But here insurance agents says :

By Ken Stammen TRIBUNE STAFF WRITER
Insurance agents say patience best policy

TUNKHANNOCK Be patient and do your best to protect your property against further damage.

Thats the advice of local insurance agents in the wake of the devastating tornadoes and severe thunderstorms that swept through the area on Sunday and Tuesday nights.

Last night was a knockout punch, but people were still reeling from the damage from Sunday night, agent Joe Manley of Metropolitan Life in Chinchilla said Wednesday.

Chris Sheffler, owner of the Swetland Insurance Agency, said while insurance companies and insurance policies differ, any property owner with damage can avoid heartaches by doing certain things.

For instance, if a tree has fallen on your house and a couple of your neighbors are available to help you remove it and place a tarp over any holes in the roof, its a good idea to do it, Ms. Sheffler said.

If you have suffered interior damage, Ms. Sheffler recommended taking an inventory of the damaged items and what they are worth.

Another thing is to be very, very patient, she said. There are so many people with so many claims. The level of service that you will receive today is not the same level of service you would receive on a normal day.

The Swetland agency was receiving fewer calls Wednesday morning than it did Monday morning after Sunday nights storms, but the damage claims Wednesday were much worse.

Were talking total loss of mobile homes and total losses of vehicles, Ms. Sheffler said.

Calls Monday were for damage of less than $1,000 in most cases.

Some insurance agencies in Wyoming County were flooded with calls Wednesday. A person answering the phone at Welch Associates Inc. said they were too busy to comment.

Mr. Manley said some people are trying to decide what to do with trees that are leaning toward homes or other structures.

Mr. Manley said, its all right to have the trees taken down, but property owners should take photos of the trees first and keep receipts for the removal costs.

insurance against risks that arises

D.H. Margee defines insurance as “a plan by which large number of people associate themselves and transfer to the shoulders of all, oisks that attack to individuals.” The collective bearing of risk in insurance.
Bank fell define insurance on “source of distribution of last of few people into many people.”
Mac gill define insurance on “a process in which uncertainties are made certain.”
Marine insurance -:
It is the insurance against risks that arises out of the damage while traveling or transporting cargo over the sea. It cover a number of important subject matter. This is insurance, which provides protection against marine risks. Marine risks are collision of ship against rocks, other ship attack by enemies, fire hijack & capture by pirates. It covers cargo, hall & freight insurance.
Types of insurance
Life insurance Driahon insurance Motor insurance Employers liability insurance Fidelityguarantee Five insurance Marin insurance

MARINE SURVEYS

MARINE SURVEYS You've heard the old adage, "an ounce of prevention is worth a pound of cure?" In many cases, the initial expense of a marine survey could prevent a substantial loss. Marine insurance is one good form of protection for boat owners against accidental loss. Unfortunately, statistics show that most yacht losses are due to defects, and problems which can be discovered and prevented by a quality Marine Survey. Safe, and sound boats are good insurance risks that help both boat owners and insurers--ultimately reducing premiums for boat owners, and assuring profitability for insurers. A renewal of the Marine Survey should be required periodically; most insurers request surveys every five years. This will help ensure that the vessel continues to be kept in fair condition. The value will be re-assessed so that the amounts of coverage and premium can be adjusted. A Marine Survey is a general view, inspection or investigation of the condition and value of a vessel and all of its parts. This should not be confused with a Marine Appraisal, which is performed after a vessel has sustained some damage. A Marine Surveyor is a person professionally engaged in performing Marine Surveys, qualified to give expert opinion, suggestions and recommendations concerning vessels and all their parts. Our Surveyors determine an accurate value of the vessel in its present condition, which allows the owner to carry a suitable amount of insurance. The survey also provides thorough identification of the boat, improving the chances of recovery if the vessel is stolen. Most importantly, the survey ensures that the vessel meets the current Coast Guard safety equipment standards and reveals mechanical and structural defects which could pose safety threats. Boat owners may wish to have a survey conducted as an aid to selling their boat; prospective buyers may request a survey as proof of value and safety. The Ontario Marine Surveyors Association (OMSA) provides standards of professionalism and ethics in this field. OMSA surveyors have proven experience and expertise; OMSA accredited marine surveyors (A.M.S.) are established throughout Ontario.