Written by Ben Carter
Growing up in different regions of the country can expose you to things that you come think of as "normal". Born and raised in Pasadena, California, there are a number of things I struggled with when I first came to live on the East Coast. For starters, there is no In & Out Burger, Jack in the Box or Roscoe's Chicken and Waffles restaurants. I don't think Jack In the Box makes it any further west than Texas.
Then there is the fact that I can never remember the name of the grocery store with the red logo, mainly because I always want to call it "Vons" or "Vons Pavillion". It usually takes me three minutes to figure out the grocery store I'm referring to is called "Safeway". I should also mention my confusion when I realized there was a restaurant called "Hardee's" which had the same smiling star logo and menu as "Carl's Jr.".
There is one particular item I grew up with that is incredibly representative of the time I grew up in. It's a commercial (shown above) by a Southern California insurance company called Survival. This series of ads ran on TV all through the early to mid 90s and were based on one gentleman declining rides from incredibly ridiculous places because the person offering him a ride did not have the car insurance he preferred. As ridiculous as the thought is of declining a ride out of the desert, in a Ferrari, with a nice looking woman (who is licking her lips) is, it's an incredible reminder of the general importance of insurance.
Whether you choose Survival Insurance specifically is not the point. That you have important items of high value insured, is. Cars, homes, healthcare, your or your parents' life, boats, belongings in your apartment, cell phones and electronic appliances can all be insured. Though I don't own any pets, I understand there is such a thing as doggy health insurance.
When you spend a ton of money on something, there is a great chance you can and may want to consider the importance of being able to recoup the value you invested in the item in case something happens to it or it's damaged. Below I've listed several types of common insurances so you can figure out whether or not you have a car in the garage or a dog in the house that might need to be insured by Southern California's Survival or some other insurance company of your choosing.The information shown below comes from insuranceinfo.com.
Motor (Car) Insurance - You need motor insurance when you buy a motor vehicle. Motor insurance covers your vehicle, be it a motorcycle, a car or a lorry, in case of accidents or theft. There are three common types of motor insurance available: third party; third party, fire and theft; and comprehensive cover. The level of your coverage dictates what you can claim if your vehicle sustains loss or damages.
Home Insurance, or homeowner / Householder Insurance - There are three main types of policies which you can buy to protect your home including basic fire policies, homeowners policies and house holders' policies. You can learn about these here.
Medical and Health Insurance - Medical and Health Insurance (MHI), is an insurance policy which is designed to cover the cost of private medical treatment, which can be very expensive, especially with hospitalization and surgery.
Life Insurance - Life insurance is an insurance coverage that pays out a certain amount of money to the insured or their specified beneficiaries upon a certain event such as death of the individual who is insured.
To learn more about the different types of insurances, visit insuranceinfo.com.