Review your Health Insurance ‘Explanation of Benefits’

December 1, 2010 Leave a comment

An article on Examiner.Com got my attention  ( .   A couple stole the identities of 128 patients and the tax ids from a handful of doctors. They then proceeded to file false claims for various procedures and collect the insurance monies. This couple might have been stopped much more quickly if any of the 128 patients had been monitoring the “Explanation of Benefits”  (EOB) received from the health insurance company after any claim is filed.   While such claims are fraudulent and don’t get paid directly out of your pocket, they might still impact you by depleting your benefits or creating false medical histories that later result in you being unable to obtain health insurance or life insurance! Take a peek at your EOB and know what is being charged against your policy!

Categories: Fraud

Don’t Miss Out on the Halloween Treats!

October 19, 2010 Leave a comment

Don’t forget to follow Al Bourdeau Insurance Agency’s Facebook Page! Delicious, fun, and sometimes spooky recipes are being uploaded constantly through the month of October! Impress your friends with one of our Halloween Treats!

Al Bourdeau Insurance Agency Facebook Page:

Here’s one of our Halloween Recipes!
Categories: Events

Insurance fraud costs all of us

October 12, 2010 2 comments

Questionable insurance claims rose over 52 percent in the first half of 2010, according to a group dedicated to raising awareness about the cost of insurance fraud.

To increase awareness about this crime, Gov. Jennifer Granholm has declared this week, Oct. 10-16, as Insurance Fraud Awareness Week in Michigan.

“Many people wrongly believe that insurance fraud is a victimless crime,” said Lori Conarton, Communications Director, Insurance Institute of Michigan. “However, they are wrong. We all pay for this crime through our insurance premiums.”

A study by the National Insurance Crime Bureau found that questionable claims for excessive medical treatment, auto glass claims and staged accidents all rose significantly during the first six months of 2010.

Read more details here! (

Categories: Uncategorized

Refrigerator hoses are common cause of serious water damage

September 28, 2010 Leave a comment

Melanie found a puddle of water on the kitchen floor, but discovered a much larger problem when she investigated. Going downstairs, she found water pouring out of the soffit, running down a wall and spilling everywhere. Half of the ceiling tiles were saturated and had fallen to the floor.  Melanie guesses that the refrigerator water hose had begun leaking 4-5 days before. The damage was extensive. Read move about this disaster and how you can avoid it!

Warren is glad he’s back. REALLY glad he’s back.

August 18, 2010 Leave a comment

This little story is from John Bell, one of our many great agents. There are a lot of ways that we bring value to our customers, but sometimes it just boils down to the fact that we can save you a lot of money. Such is the story of Warren. “Warren was a client of ours and last year and moved his polices to All*.  He called me a few weeks ago wanting a quote for his auto and condo. Said he was unhappy with the service and wanted to come back to Al Bourdeau Insurance.  I put together a package with Citizens.  When he called originally he did not have his current policy but last year his premium was $1,451/yr on the auto and $431 on the Condo.  My quote for the auto was $727/6 mo. or $1,054/yr  and $295 on the Condo.  The savings for both was $533 per year.  We set the appointment up last week and when he came in today, he brought his newly received auto renewal which now was $1,934.18!!  Now his total savings jumped to $1,016!!!!   He was very happy and said, “I should never have left”.  I told him that even though he left All*, he would still be in ‘good hands!’ “

Categories: WOW!

iPhone plunges to death from hot air balloon

August 17, 2010 Leave a comment

Admittedly, “plunges to death” might be a little dramatic, but that is apparently but one example of the many unusual iPhone claims reported to U.K. gadget insurer ProtectYourBubble.   If you ask me, these explanations could just as easily have been offered up by kids as reasons for not turning in their homework assignments. I guess we just never grow up!

The top 10 most bizarre iPhone Claims from ProtectYourBubble:

1. I dropped it from a hot air balloon
2. I lost it while skydiving
3. It broke when my son used it as a table tennis racket
4. I lost it while building a sand castle for the kids
5. I accidentally buried it in the garden
6. It fell into the kettle
7. I dropped it in a food blender
8. My dog chewed it to pieces
9. Juice from a defrosting piece of meat leaked into it
10. It flew out of the car window

We do get frequent calls asking for gadgets like iPhone, and similar devices to be added to the homeowners policy. Sometimes this can be done. The cell phone providers often offer insurance plans at the time of purchase, but other less expensive alternatives exist. One thing to consider is that replacing a phone can be costly. For example, where you might pay $299 for a new iPhone4 with a two-year contract, you might need to pay the full retail price of $599 or $699 to replace a phone in the middle of the contract.

It’s at least worth reading about your options.

Of course, having us look at your home and auto insurance could save you enough to buy that new iPhone. Food for thought!

Categories: Entertaining Claims

Renter’s Insurance – A Very Small Price For A HUGE Safety Net!

August 13, 2010 2 comments

When you are renting an apartment, it is important to understand that your landlord’s insurance does not provide coverage for you. If your personal property is stolen, destroyed in a fire, or damaged by other unexpected situations, it would not be covered or replaced by your landlord’s insurance company. You would need your own renter’s insurance policy to provide you with coverage.

Renter’s insurance provides many coverages designed to protect you. First, renter’s insurance provides you with property coverage. Property coverage protects you from damage or loss to your things. For example, if your property is stolen or destroyed, your insurance company would replace or repair these items for you.

Renter’s insurance provides liability coverage. If someone were to injury themselves while on your propertyor if your dog were to bite somebody, your renter’s insurance would provide legal defense if you were put in a position that required it. It also provides for small medical payments for such injuries to others – a “good-will” gesture to avoid a lawsuit.

If you accidentally caused damage to property of others like negligently leaving a curling iron on and causing a fire that spreads through the complex, or allowing your bathtub to overflow and causing water damage to the apartment below and its contents (this would also potentially be covered by the liability protection on your renter’s insurance).

Renter’s insurance protects you against the liabilities regarding damage to the building and the personal property of others.

If something happened to your apartment, smoke damage for example, and the condition of your apartment was considered uninhabitable and you had to relocate for a period of time, this would be considered ‘loss of use’. These costs are also covered by your renter’s insurance.

The average Renter’s Insurance ranges from about $15 to $30 a month. The cost is based on size and location of the apartment and also the policy holder’s possessions.

With all the protection that renter’s insurance offers, your money would be well spent! Make sure you’re protected!

**At Al Bourdeau Insurance Agency, we suggest that you make a list of possessions including purchase prices, model numbers and serial numbers. If you still possess receipts for the scheduled items, then keep those as well. Also, if possible, take pictures or video footage of the items. You want to be able to prove that you possess the items you’re insuring!