Sentences with phrase «increased risk to the insurance company»

Most states will require you to carry an SR - 22 state of liability for 1 to 3 years after the accident in addition to your regular insurance, and your insurance rates are almost certain to increase because you have demonstrated that you pose an increased risk to the insurance company by driving while impaired.

The longer the period, the more likely you are to keep a policy, thus increasing the risk to the insurance company.

Not exact matches

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

Insurance companies are well aware of the phenomenon in which people who take out insurance against, say, burglary, are known (on average if not in every case) to modify their behaviour so that the risk of being burgled iInsurance companies are well aware of the phenomenon in which people who take out insurance against, say, burglary, are known (on average if not in every case) to modify their behaviour so that the risk of being burgled iinsurance against, say, burglary, are known (on average if not in every case) to modify their behaviour so that the risk of being burgled increases.

That's pure, actuarial math — the increased risk of dyingthat the smoker presents to the insurance company and that the company thenpasses on to the smoker.

That's pure, actuarial math — the increased risk of dying that the smoker presents to the insurance company and that the company then passes on to the smoker.

However, they should also anticipate that their contract value will not normally increase in value to the same extent as the equity or bond markets during market upswings, simultaneously mitigating insurance company risk under the guarantee.

A longevity risk is any potential risk attached to the increasing life expectancy of pensioners and policy holders, which can eventually result in higher pay - out ratios than expected for many pension funds and insurance companies.

Primary rental card insurance is a tremendous benefit because it makes dealing with accidents while traveling abroad much more streamlined and can help you avoid having to file a claim with your car insurance company and risk increasing your premium.

If reinsurers were playing the game that you claim the insurance companies are playing, namely, inflating the perceived risks in order to increase their profits, then any insurance company that saw through this game would stand to benefit by not paying the inflated prices.

The Court reasoned that it would be unfair to the insurance company to allow an increased risk for an owned vehicle which was not listed in the contract to be covered without allowing the liability company to increase premiums to account for such risk.

The increased risk on the part of the insurance company is why they have to charge more.

Yes, the insurance companies want to see that you are keeping your flying skills sharp but too much activity can also increase your risk.

Both of these are going to increase your risk of being diagnosed with severe health problems, which means you'll be a higher risk to the insurance company.

Certain hazardous hobbies and activities represent a much greater risk of payout to life insurance companies, and when seeking life insurance quotes you may pay for that increased risk through higher life insurance premiums.

Some companies can cover the soft costs of the project, but you will need to ask the insurance company to include it in your coverage but be aware that this might increase the cost of your builder's risk.

For instance, if you had insurance through a company before and were late making many of your payments, the company may charge you a bit more to cover the increased non-payment risk that you present.

When you speak to your broker about your intentions, they can check if your insurance company has formally approved rentals of this nature; if not, your broker can request approval for your own specific plans, allowing the insurance company to amend your policy and charge a premium for the increased risk of tenant occupancy.

Generally speaking, beyond a certain age (most insurance companies set this age at 35), you are deemed to have slower reflexes, thus increasing your risk of accidents.

The sicker you are and the sicker you could potentially become both increase your risk of dying early, so in order to hedge against that risk the life insurance company will charge you more.

Travel insurance companies need to exclude certain activities or situations because they greatly increase the risk to the traveler, and they are usually avoidable.

Put simply, people are more likely to die as they get older and the mortality tables enable the insurance companies to calculate the risk and increase premiums with age accordingly.

Motorists in North Dakota would do well to attempt to lessen the crash rates — if they discover that there is an increased risk involved with driving within the state automobile insurance companies don't have any problem with increasing premiums.

Travelers Can't Cancel Due to Increased Risk of Terrorism Threats of terrorism, even «imminent» ones, are not the same as a terrorist attack in the eyes of travel insurance companies.

Tips on Taking a Life Insurance Exam A life insurance exam is a simple physical screening in order to ensure that you do not have any underlying health problems that will increase the companInsurance Exam A life insurance exam is a simple physical screening in order to ensure that you do not have any underlying health problems that will increase the companinsurance exam is a simple physical screening in order to ensure that you do not have any underlying health problems that will increase the company's risk.

As a result, your insurance company is forced to counter that risk by increasing the cost of your premiums.

British Columbia Supreme Court Justice Jacqueline Dorgan found that before departure, Paul Fletcher had «prudently» consulted his doctors about his health; they determined that his condition was «stable» and believed his trip «would not pose any increased risks to his health,» thus meeting his travel insurance company's policy requirements.

With that said, smoker life insurance rates are higher due to the increased risk that the insurance company takes.

To make up for the increased risk, insurance companies charge higher premiums than they do for other types of insurance.

So as your total cost of insurance increases as you age, the company is only looking at the part of your policy that represents risk to the company.

Also, after the age of sixty five, a motorist is considered to present an increased risk to an Oregon vehicle insurance company.

Insurance companies need to know this, because your risk of getting in an accident increases if you commute to those states.

If you've got a $ 500 deductible and it will only cost you $ 600 to get those cat scratches buffed off your hood and the paint touched up, it might be easier to simply come out of pocket for the additional $ 100 without involving your insurance company and risking a rate increase because you made a claim.

This can increase the risk of accidents on the road according to insurance companies.

This is to compensate the life insurance company for the increased risk associated with providing coverage for a longer time (the longer and older someone is covered the higher statistical chance that the life insurance company will have to pay a claim).

20 year term life insurance is more expensive than 10 year term life due to the increased risk for the insurance company.

For this reason, car insurance companies set higher premiums for younger drivers to offset the increased risk of having to pay out.

This is because, without an accurate way to assess risk factors, life insurance companies must increase premiums to leave a safe margin of error.

The risk of natural disasters such as tornadoes, floods and earthquakes can greatly increase the amount of money that auto insurance companies must pay out to policy holders on an annual basis.

In addition, these companies must charge more for their life insurance policies to pay for the increased risk and the celebrity endorser or organization that is marketing on their behalf.

As cigar smoking increases in popularity, however, you can expect more insurance companies to consider this a high - risk behavior in the future.

Some high risk insurance companies will allow you to purchase additional liability coverage to increase the policy limits and some companies will also allow you to purchase uninsured or underinsured motorist coverage, but many insurance companies will not offer collision or comprehensive insurance to a high risk driver.

Because reflexes slow and vision decreases as you get older, seniors present increased risk to their auto insurance companies.

High - risk activities such as scuba diving can mean increased premiums, and sometimes «flat extras» — especially if you don't know which life insurance company to apply with.

Even when homeowners use safe practices, insurance companies regard the installation of wood burners as events that increase the risk of damage to homes.

However, some insurance companies might still consider the details of your collision and deem your driving habits as making you more likely to get in another incident, thus increasing their risk.

Due to the increase in liability risk for rental properties, some insurance companies may not even offer this coverage, where others specialize in these types of business.

In such cases, the insurance company will often increase the violator's insurance premiums because he or she is deemed to be a higher risk and no longer a «safe driver.»

This provokes the insurance company to increase the insurance rates in an attempt to level up the associated risks.

For vehicles, the high risk of fender benders in the Five Boroughs means insurance companies are very likely to have to shell out money for repairs or medical bills; for homes, the increase you see in crime and vandalism as well as the greater risk of fire spreading from one property to another play a huge role in determining premiums.