What Are Professional Disputes and How Do They Relate to Commercial Insurance?

A professional dispute typically refers to a conflict between a commercial business owner and their customer. They definitely fall under the worst-case scenario, but they’re worth understanding when it comes to your liability protection under your commercial insurance. Bob Korvas Agency Inc. wants the people of Niles, IL to learn more about them so they can keep their livelihoods going no matter what. 

What Is a Professional Dispute?

A professional dispute refers to a mistake a business owner makes with lasting consequences. While a client can technically sue for anything, most judges will only consider ones with real merits. So if you make wedding cakes for a living and accidentally give the wrong cake to someone, this may not be anything but an inconvenience for the couple. However, if you accidentally give a strawberry cake to a couple where one is allergic to strawberries, then you may have a major lawsuit on your hands. 

How You Can Protect Yourself 

Between court fees, settlement costs, and lawyer fees, it’s worth taking another look at your liability coverage. The more you understand how far your limits go, the more likely you are to prepare for them. If you have any questions about your current commercial coverage and the recommended amount of coverage, give Bob Korvas Agency Inc. a call. We’re here for the business owners in Niles, IL who want to keep doing what they do. 

Everyone makes mistakes when it comes to their work and their life, but a mistake doesn’t have to cripple you when you have the right coverage. Let our insurance agency give you a quote, so you can take better steps if something does go wrong when you’re on the job. 

 

Review Your RV Insurance before Hitting the Road

With springtime fast approaching, RV owners in and around Niles, IL have started to plan their summer adventures. Whether you plan to take your RV to a favorite camping site along the Great Lakes or hope to see some of the magnificent parks in the West, this is the time to prepare your RV for your travels.

In addition to contacting the Bob Korvas Agency Inc. to make sure your RV insurance is up-to-date, here are some things you should do before taking your RV on a trip:

RV Interior

  • On a clear and sunny day when pollen levels are relatively low, open the windows and doors to circulate fresh air
  • Perform a thorough cleaning throughout the cabin and living spaces, checking for any burned-out bulbs or other items that require attention
  • Check to make sure you have proper safety equipment (first aid kit, fire extinguisher, road hazard kit)

RV Exterior

  • Wash the outside of the RV, noting any areas with mildew, mold, dirt or grime on the frame or accessories
  • Inspect tires, vents, windows, doors, and the roof to assure that there are no cracks in seals or other areas where leaking may occur
  • Lubricate any squeaky doors and make sure that all locks work properly
  • Carefully inspect the propane system

Electrical and Mechanical

  • Carefully check your batteries, terminals, wiring, and cables, making sure that you notice any corrosion or damage
  • Carefully look under and around the engine for any nests or other accumulations of leaves and twigs left by rodents or other small animals
  • Check the water heater, making sure that the element is off prior to turning on the power
  • Flush out the water storage system and pipes

The Bob Korvas Agency Inc. in Niles, IL ensures RVs. Come visit us today to learn how we can protect your home on wheels.

Can I get dental insurance even if I have my health insurance somewhere else?

Because of the Affordable Care Act (ACA), there are relatively new rules and policies about different kinds of health care insurance. These can be confusing, especially because the market has become more open to individuals searching for their own health care policies.

If you are in Niles, IL, you may have purchased a private health insurance policy through Bob Korvas Agency Inc.  or you may have gotten insurance through your employer. You may still not have dental insurance, though. While the law doesn’t require you to carry dental insurance the way it requires health insurance, dental insurance is important because it helps cover cleaning and maintenance, and helps individuals maintain healthy oral habits. 

There are two ways an individual can obtain dental insurance: You can either add a dental insurance policy to your health care policy when you sign up, or you can sign up for dental insurance by itself as a separate policy.

If you choose to purchase dental insurance with a health insurance policy, you will need to sign up for them at the same time. If you already have health insurance, you will need to wait until you have open enrollment to change your choices. There are some exceptions for when people are allowed to change their health care choices other than the open enrollment period, such as if you have changed jobs or lost your other health insurance.

On the other hand, if you purchase dental insurance as a separate policy, you can sign up at any time of year. Your policy will not depend on your health insurance policy, and the beginning and ending coverage dates will not need to match. If you are in Niles, IL and would like to discuss dental insurance, please call Bob Korvas Agency Inc. today.

 

Dental Emergencies Cost Much More than Prevention

Many people do not think much about their dental health until it becomes a problem. However once a problem arises, it is often a life halting issue of serious pain and infection. This pain and infection will cause a dental issue to become an emergency, and cost you significantly more than if preventative medicine was practiced. Dental insurance insures more than your teeth and gums it is a way to save thousands by preventing a costly emergency. Bob Korvas agency Inc. serves Niles, IL and surrounding areas with insurance to keep those emergencies at bay. 

The most common way to fix a serious tooth ache is a root canal. The average cost of a root canal in Illinois ranges from $700 to $1400 depending on the location of the tooth effected. In comparison, a simple filling before the tooth turns into an infection is on average between $140 to $170 per tooth. This is significant savings but can be taken even further if the teeth are properly cleaned and and kept up as needed the average cost for twice yearly whole mouth cleanings range between $75 and $200. These cleanings can prevent the need for the more costly fillings and will prevent the need for problems to advance to the stage of root canal emergencies. 

It is clear that preventative dental appointments can save you significantly from pain and excess dental bills. Basic dental insurance will make keeping your dental health a priority easy and keep the stress of the cost and pain of a dental emergency out of your life 

Contact us at Bob Korvas Agency Inc. to start your year off with assurance of a healthy and pain free future in Niles, IL and the surrounding areas. You have more to save with dental insurance than money, you can prevent pain, infections, and appointments as emergencies 

 

 

 

Are You Covered in 2018?

Did you have an extenuating circumstance or just forget purchase health insurance before the deadline passed this year? You never know what the future holds, and even skipping well visits can be detrimental in some cases but don’t fret it may not be too late. Although open enrollment is officially closed for 2018 health insurance, there is still hope for health insurance coverage in many scenarios.  You can discuss your health insurance options at Bob Korvas Agency Inc., serving Niles, IL and the surrounding areas. 

If you qualify, you may still be able to enroll for government health insurance. Qualifications include certain life experiences that range from moving from or to another state, getting married or divorced, adopting, being released from jail, losing coverage for a variety of reasons, and becoming an American citizen. If you have an extenuating experience you may be able to enroll out side of the deadline. 

If you do not qualify to enroll outside the deadline, you may purchase insurance directly from an insurance company at any point during the year. Coverage typically starts within a month of your first payment and many companies offer great policies at fair prices to keep both your wallet and your health in the positive. 

Also keep in mind that enrollment in Medicaid insurance is possible year round if you qualify for it. 

For more information about your coverage contact us at Bob Korvas Agency Inc. It is not to late for full coverage in 2018, and you can be informed about what to do to make sure you don’t miss next year’s deadline as well. We cover people in and around Niles, IL with great reliable rates and trustworthy policies. 

What are the Different Types of Health Insurance?

Health insurance is something that we should all be thinking about and that we should all have to protect ourselves in the event that we are ill or injured. That being said, there are tons of different types of health insurance to consider and each has benefits and drawbacks that are unique to the type you choose. For those in the Niles, IL area, the agents with Bob Korvas Agency Inc. can help you find the perfect policy and policy type for your particular needs.

The first type of health insurance you should consider is an individual policy. These can be offered through your work or through a private agency and cover the medical needs of one person, the individual that took out the policy. This type of insurance is generally a few hundred a month and often covers things like preventative care and a portion of treatment care costs.

You may also want to look at individual plus plans, these can be individual plus a spouse or individual plus an entire family. This type of policy is going to cost more than an individual policy and is going to come with a higher deductible. You may have an individual deductible for each person or you may have a family deductible dependent on the type of policy you are taking out. These area gain policies that can be taken out privately or that can be offered through your work.

The last type you may want to consider is a group policy. This is going to be offered through your employer and you get a lower rate based on how many people are insured in the group. You can choose individual or family in this type of policy and can get great coverage. For those in the Niles, IL area, the agents with Bob Korvas Agency Inc. can help.

When Can You Claim Your Jetski Insurance?

Gliding across the water on your Jetski is fun. You get soaked by the water spray and feel the cool breeze under the blazing summer sun. But, have you ever thought about what might happen when the waters get choppy, and the most unthinkable thing occur? Bob Korvas Agency Inc. Jetski insurance covers you, and you Jetski in Niles, IL. We protect your investment in case your watercraft is damaged or destroyed in an accident or theft. Our Jetski insurance also protects you against liability claims if you cause harm to another person or their property. So when should you file a claim for your Jetski insurance coverage?

When You are Involved in An Accident

If an accident occurs and you have the appropriate Jetski coverage, you can contact Bob Korvas Agency Inc. For example, let us assume that you have a two-person Jetski and both you and your friend are injured in an accident caused by another Jetski driver and your watercraft undergoes severe damage. In this case, you can file a Jetski insurance claim for the replacement of your watercraft and your medical costs.

In another case, let us assume that an accident occurs and you are the one at fault.  Depending on how severe the accident is, the other party can file a liability claim with your insurance provider in Niles, IL. The insurance company will assess the situation and pay the claimant’s bodily injury costs, and property damage costs and the insurance will still cover your legal expenses if the matter is settled through a court case. You can also file a claim when your Jetski is stolen or damaged through an accident that you are involved alone.

Contact us today for a comprehensive Jetski insurance coverage that will ensure you have endless fun.

How Umbrella Insurance Works

It’s truly a wonderful thing to see all your hard work start to pay off. With more money comes more comfort and less stress, and it can be the key to spending more time with the people you love. But with increased assets come increased risks that you may eventually lose them due to a catastrophe. You may already have excellent insurance for your home, car, or investment properties. But umbrella insurance can take this protection one step forward in the case of a liability mishap. Bob Korvas Agency Inc. wants to help the people of Niles, IL learn more about this special policy. 

Mistakes and Allegations 

Whether it’s a CEO accused of embezzlement or a homeowner who forgot to salt their driveway, it’s not unusual to face liability lawsuits or accusations during your lifetime. This is especially true if someone has a high-profile career, which is exactly why umbrella insurance exists. Your current insurance has certain limits that you may meet faster than you think. A $500,000 limit may seem enormous — that is until the mailman claims he has a chronic back injury because your walkway wasn’t safe for him to walk upon.

If you’re held liable for this claim, you may be ordered to pay for all impending medical bills. Umbrella insurance is the catch-all for all those extra charges, so you don’t have to pay for them out-of-pocket. 

Finding Help 

Bob Korvas Agency Inc. has been helping people find the right level of insurance for them, and we can do it for you too. If you live in Niles, IL, we want to hear from you! We make it easy to choose a policy that will protect you through thick and thin, and the best part is that it can be more affordable than you think! Call us today for a quote! 

Things To Consider When Buying Dental Insurance

If you’re looking for dental insurance, the Bob Korvas Agency Inc. in Niles, IL can help you choose the plan that’s right for you.  Here are a few things to consider before making a decision.

Don’t put off getting coverage.  Because insurers know that many consumers opt to forgo buying dental coverage until they need it, they usually require waiting periods for certain procedures.  It’s wise to purchase dental insurance well in advance of any major services you may need.  

Don’t just look at premiums.  It can be tempting to choose a policy with the lowest premium, but it’s important to know the specifics of what a particular policy covers (and what it doesn’t cover) so there are no surprises when you’re presented with a bill for services.  Read the fine print carefully so you can choose a policy that best meets your needs.  Consider the features of each plan, such as annual maximums and what coverage (if any) is available for out-of-network services.  Make note of how long waiting periods are and which services are covered in the first year.

Learn about the costs you will be responsible for.  Just as it is critical to know what a particular plan covers, it’s equally important to know about co-pays and deductibles.

Look at the network.  If you want to stick with your current dentist, make sure he or she is included in your plan.  If you’re looking for a new dentist, find out which insurance plans that professional accepts.

Receiving regular dental care has a positive impact on overall health.  Having adequate coverage can help you keep up with preventive services.  To learn more about policy options, contact our office in Niles, IL to speak with a Bob Korvas Agency Inc. agent.

Health Insurance Tips for the Self-Employed

When you’re self-employed, securing health insurance may sound like a major headache. Finding coverage at affordable prices can be challenging, but not impossible. Consider the following tips to help you compare insurance plans and uncover a policy that makes the most financial sense.

Determine Retiree Eligibility

If you’re recently self-employed after retiring from your job, you may be able to opt into your former employer’s policy. Some companies give retirees the option of buying into their health insurance plan and may even subsidize a portion of the premiums. Non-retirees who leave their jobs may also be offered COBRA coverage for up to 18 months by their previous employers.

Compare, Compare, Compare

Don’t shop by price alone when you’re looking for a new health insurance plan. Although your premiums may be low, you could end up paying insurmountable medical bills in the future if your benefits don’t provide adequate protection.

Short-Term Health Insurance Considerations

Short-term health plans sound like a good bet for getting less expensive coverage for a limited time period. However, these plans have a lot of exclusions such as not covering pre-existing conditions and prescription drugs. There may also be an annual cap placed on benefits under these types of plans.

Tax Deductions

One benefit for the self-employed is the potential to deduct health insurance premiums on taxes. Any premiums that are made to provide coverage to you and your benefits can often be included as a non-itemized expense on federal tax returns.

Bob Korvas Agency Inc. is here to assist those who are self-employed shop for health insurance. Serving Niles, IL and surrounding areas, our agents will present you with policies that meet your medical and budgetary needs. Reach out to Bob Korvas Agency Inc. today to discuss the many ways we can help.