Maneuver through credit disputes

One of the benefits of paying for goods and services by credit card is the ability, under certain circumstances, to dispute a charge. By understanding consumers’ rights, as well as obligations, you can avoid or maneuver through certain billing disputes.

AAA Visa has regulations that govern disputes between cardholders and merchants. Often they must be sent in writing to the credit card bank within 60 days of the statement mailing in which the disputed transaction appears. AAA Visa cardholders can contact: FIA Card Services N.A., P.O. Box 15020, Wilmington, DE 19850.

Other tips for credit disputes include:

• know the return policy. When returning a product that’s been ordered by mail or telephone, request a signed return receipt proving the merchant received the merchandise.

• be familiar with a hotel’s cancellation policy when making a reservation. In addition, Visa cardholders who find a hotel room to be in an unsatisfactory state can have the charge credited back if they notify the hotel within 30 minutes of checking in.

For more information on handling disputes, call FIA at (800) 932-2775 and press 0.

Less insurance can be a liability

It’s late at night and you’re tired. You’re driving home and hit another motorist. The other driver is severely injured and becomes permanently disabled. The driver sues you for $800,000, but your automobile insurance liability coverage is only $100,000.

Or perhaps a neighbor’s child climbs a tree on your property. The child falls and is injured. The family sues you and the liability verdict goes well beyond the $100,000 or $300,000 liability limit of your homeowners policy.

In a litigation-filled society, you don’t have to be wealthy or accident-prone to need more protection than your existing auto and homeowners policies provide. That is where Personal Umbrella Insurance comes in. Personal Umbrella coverage begins where your auto, boat or homeowners coverage ends. It can be added to your current personal package policy quickly and easily.

Individuals now have more assets to protect and more physical exposures than at any point in history. Attorneys continue to be aggressive in seeking compensation on behalf of injured clients, and both jury awards and medical costs are rising.

The average umbrella coverage costs approximately a few hundred dollars a year, but can provide upwards of $1 million of liability protection over and above the liability insurance included with your other personal insurance coverage. After a deductible is satisfied, it also gives you valuable protection against some types of claims or legal actions that aren’t included or covered under your primary coverage.

If you want to protect yourself and your family, extra coverage is not just a luxury, it’s a necessity. Without proper liability coverage, your savings, your property, and even your future earnings could be at risk.

Click here for a free quote, or call 1-888-428-8625.

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