New Regulations for visitors Insurance

New Regulations in the Industry

The good people at visitors insurance provides peace of mind and security when traveling. This type of coverage is aimed at providing comprehensive insurance for those who are visiting the United States and traveling abroad. There are a variety of different plans available for any type of trip. These include single trips for cruises, backpacking and hunting along with many other activities. The amount of coverage you receive will depend on the policy selected.

Good news

It’s becoming safer for agents to sell this kind of insurance. For many years, respectable agents have sold it that protects their clients vacations when something go wrong. This could be a natural disaster or a serious illness amongst other things.

Confusing state regulations

Confusing and conflicting state regulations meant that agents selling policies could unwittingly find themselves in violation of state insurance licensing laws. This was because agents had to comply with 40 or more different regulations which was time consuming, subject to error and might according to ASTA cost an agency tens of thousands of dollars if they failed to comply correctly..

New regulations

Very recently some states have removes those barriers making the sale of insurance less risky for agents. One of them is California. Virginia and Washington are soon to change their regulations, and it is anticipated many more states will follow such as: Florida, Kentucky and Minnesota and eventually many, many more.

Campaign by the U.S. Travel Insurance Association (USTIA)

These changes have come about thanks to the US Travel Insurance Association (USTIA). USTIA have been working hard campaigning tirelessly on 20 states to change their regulations regarding visitor insurance.

The aim is for states to let agents to sell visitors insurance without a license. Many states were forced to have a ‘limited line license. The business is already before many state legislatures right now, and in the next couple of months it is hoped there more victories for travel agents.

The new license rules will let agents use the license of the companies whose policies they’re selling.

This will simplify matters and make the job of offering policies to their clients less risky. The legislation in no way affects the cover offered to clients which remains the same as before.

Major differences of Visitor Insurance offered in the United States

The major difference of visitor insurance offered in the United States is usually based on the limits of the coverage plan. There are mainly two coverage plans.one is comprehensive coverage plan and this covers all situations that may face you while visiting the United States: trip cancellation, trip interruption/delay, lost baggage and medical /emergency assistance. The other coverage plan is fixed benefit plan that usually covers just a few of the situations that you may face while visiting the United States. The difference between these two plans can also be found in the amount of premiums charged. The comprehensive coverage plan usually charges higher visitor insurance premiums. Another difference that exists is based on the coverage of your pre-existing medical conditions. Some insurance companies  cover your pre-existing conditions while others don’t.

The difference between the comprehensive coverage plan and the fixed/limited coverage plan are usually in terms of the benefits you as the visitor will get as follows:

Trip cancellation.

This enables you to be reimbursed a certain portion of your cost for the trip. If you meet certain conditions.

 Things that are covered include:

  • Death of a family member
  • Sometimes job loss,
  • Your own illness
  • Illness of a travel partner.

Things not covered:

  • Careless forgetting of your passport.
  •  Denied to board your plane for any reason.
  • Missing a flight because of your negligence.

Trip delay or Interruption

This enables you to be reimbursed a certain part of your already defined amount if your trip is actually and truly delayed or interrupted and you cannot continue with your trip.

 You will only be reimbursed:

  • if the interruption is caused by flight delay
  • There is documented theft of your travel documents.
  • Your illness, injury or death of your travel partner or family member.
  • Due to weather issues

Lost Baggage

This enables you to be reimbursed if your baggage is all together lost. Payments are usually 100 percent of the price of the lost items if you can produce their purchase receipts and between 50 and 70 percent if you cannot produce the receipt.

Things not covered:

  • Money
  • Tickets
  • Eye glasses
  • Prosthetic limbs

Medical /Emergency Assistance cover

This covers you or your traveling partner in the event of an emergency or illness or death.

Most visitor insurance covers are based on these benefits and thus they are the main causes of differences.

GPS Fleet Tracking helps you cut expenses

The importance of GPS Fleet Tracking

Car maintenance and auto repair cary nc can be a tedious task at times. Failure to stay up to date on your cars’ routine maintenance schedules can result to serious implications in terms of severe damage, high expenses due to cumulative repair needs, accidents among others. In the case of a fleet of cars, the issue might be complex since there are many cars which have to be maintained. Running such jobs manually can be a very tedious task.

Problem alerts- With the use of a GPS system, it is possible to keep a vehicle maintenance schedule. With such a system in place, details about a faulty vehicle will be sent to the central system whenever an issue occurs. Therefore, if a vehicle develops mechanical complications, your mechanics will know the problems your cars develop and fix them accordingly.
Real-time updates- The other good thing about the fleet tracking is that it sends signals in a real-time fashion. Real time means the exact time when an incident occurs. If a car has a puncture or its brakes fail, the details will be sent to the main system at that instance. The people at the main office will be keeping track of the location of the car and then act promptly to resolve the situation.
Track on mileage- The use of this also helps in calculating the distance that a vehicle has covered over a certain period of time. This is because the system keeps details that are shown on the dashboard and other supporting information pieces. Therefore, it is possible to know when a car has reached the maximum mileage and thus schedule maintenance as soon as possible. This is an effective way through which you can make sure that your vehicles are in good condition at all times.

If you offer charter bus raleigh nc want to effectively manage your vehicles, this system needs to be in operation in your business. Vehicles are quite complex and you do not really know when they will develop complications. It is vital to use such modern systems to keep your business running while boosting efficiency in every aspect of your daily operations.

There are several benefits to gain when you prepare your business for winter driving with fleet tracking. The biggest benefit, of course, is safety for your drivers. Reduced costs for your business is also a major benefit.

What is This Technology?

This utilizes the Global Positioning System, or GPS, to monitor and track fleet vehicles. Typically, a GPS unit is installed in all vehicles. This allows for remote tracking and data collection, including location, idling, route, and engine start up.

This data is then used by dispatchers and fleet managers to streamline routes and improve the dispatching process. It can also be used to improve driver behavior, reduce idling times and fuel consumption, as well as help prevent theft.

Preparing for Winter

* Tires: Safe driving in the winter requires not just tires with more traction, but should always be checked for proper air pressure as well. This will help analyze how smoothly the vehicle rides and whether or not the tires need attention.

* Idling: While it may take a few extra seconds to warm up a vehicle in the winter, it shouldn’t take more than one or two minutes. Studies have shown that driving warms up a vehicle faster than idling. With a remote GPS tracking system, you’ll be able to determine how long each vehicle idles.

* Speed: Black ice is one of the biggest dangers of winter driving, and speed can make the difference between stopping safely and being involved in a crash. Tracking can help monitor a vehicle’s speed to determine what is safe and what isn’t.

* Route: A remote tracking system can help reroute drivers if roads are closed or deemed to dangerous to drive on.

Educating your drivers on better driving habits and safe practices can improve not only your business, but give peace of mind to drivers’ families and loved ones. Preparing your fleet for winter driving will ensure that everyone stays safe on the road during the winter, and all year long.