Child benefit explained – Tax – Which? Money #claim #today

child benefit claim

Child benefit explained

  • Learn who is eligible for child benefit payments
  • Find out how much child benefit you are entitled to
  • Work out how much tax you have to pay on child benefit payments
  • See how you can increase your child benefit

Child benefit is a payment made to you by the government if you are responsible for a child.

Here, we explain who is eligible for child benefit, how it is calculated and how you can claim it.

Claiming child benefit payments

You can get child benefit if you’re responsible for a child – and you don’t necessarily need to be the child’s parent.

Your child needs to be either under 16, or under 20 and in an approved form of education or training (higher education degrees, for example, are not approved).

It’s only possible for one person to claim child benefit for a child. The payments are tax-free if both you and your partner’s income amount to less than £50,000 a year.

In order to claim child benefit, you will need to fill in a claim form. These are available to download from the HM Revenue Customs website. You need to send the claim form to the Child Benefit Office along with your child’s birth or adoption certificate.

Find out more: child tax credits – learn if you’re entitled to these as well

Child benefit rates

There are two rates of child benefit. You will receive £20.70 a week for your eldest, or only, child and £13.70 a week for each additional child.

Child benefit rates 2016-17

Can I claim child benefit if I earn over £50,000 a year?

You’ll pay tax on child benefit payments if you earn more than £50,000 a year

If you or your partner has an income over the £50,000 threshold and you accept child benefit, you will be required to pay a tax charge, known as the ‘high income child benefit charge’.

This is based on the income of the highest earner. The tax charge is paid by the higher earner via a self-assessment tax return.

The tax charge amounts to 1% of the child benefit paid for every £100 of income between £50,000 and £60,000 earned.

If either you or your partner earn over £60,000, this tax will amount to your entire child benefit entitlement. In this case, you are better off declining child benefit in the first place.

How high income child benefit charge is calculated

If, for example, your income is £56,000 and you have one child, you will be entitled to £20.70 per week, or £1,076.40 per year.

  • Your income over £50,000 is £6,000.
  • You will be required to pay tax of 1% for every £100 over £50,000.
  • £6,000/100 is 60 so you will need to pay 60% of your child benefit back as a tax charge.
  • £1,076.40 x 60% = £645.84
  • Your tax charge will therefore be £645.84, leaving you with child benefit of £430.56.

Find out more: tax returns – how and when to fill one out

How to increase child benefit payments

There is a way for high earners to keep more of their child benefit. This is because a your ‘net-adjusted income’ taken into account when calculating how much child benefit must be repaid via the tax charge

The net adjusted income is what you have left after other deductions from your salary, such as pension contributions.

Example of net-adjusted salary

Say you have one child and earn £55,000 a year, but you make pension contributions of 3%. Your net-adjusted salary is £53,350 (£55,000 – £1,650)

On a salary of £55,000, you’d pay a tax charge of £533, leaving you with £533 in child benefit.

But with your adjusted salary of £53,350, you’d pay a tax charge of £357.11, leaving you with £708.89.

If you earn more than £50,000, you could therefore consider increasing your pension contributions in order to lower your adjusted net income and increase the amount of child benefit you’re entitled to.

It is also possible to reduce your adjusted net income by making charitable donations through Gift Aid, or by offsetting losses you’ve made in the stock market.

More on this.

  • We’ve listed 30 ways to reduce your tax bill
  • Get a Best Buy child car seat by reading our reviews
  • Get a personalised answer to your tax query from the Which? Money Helpline

Last updated:

April 2016


Va disability claim status #wi #unemployment #claim

va disability claim status

Veterans On-Line Application (VONAPP)


As of September 20, 2015, you can now apply for Vocational Rehabilitation and Employment (VR E) benefits online through eBenefits. If you were routed here to the Veterans Online Application (VONAPP) page by mistake, please go back to the eBenefits homepage and login.

Once logged in, on the left hand side of the page:

– From Dashboard column, go to �Additional Benefits� under Benefits and Payments

– From the Additional Benefits page expand the VR E link

– Select apply for either Vocational Rehabilitation and Employment Program or Education/Career Counseling

To use the eBenefits VR E options, you will need a premium account. If you do not have a premium eBenefits account, please register for one. The register option is located in the top right hand corner on the eBenefits homepage.

Effective April 6, 2014 � Use VONAPP for Pension claims. If you are a Veteran with an existing VONAPP account, please select I Have Used VONAPP Before. If you do not have an account, please select I Am a New VONAPP User.

You cannot use VONAPP to submit a Compensation claim. If you want to submit a Compensation claim online, please use the �Apply for Benefits� section on the eBenefits homepage.

Claims for Veterans Pension Benefits, Education benefits, and Burial benefits can still be submitted online through VONAPP.

Can I access my incomplete form in VONAPP?

Partially completed forms and forms saved but not submitted can be accessed in VONAPP for 30 days following the date you started your application. After 30 days, claims not submitted are removed from the system.

Can I view my completed forms in VONAPP?

Submitted applications cannot be viewed or printed ; however, you will be able to view and print your submission confirmation page for one year (365 days) from the date of submission.

Can I start a new VONAPP form?

VONAPP can be used to prepare and submit new forms for Veterans Pension Benefits, Education Benefits, and Burial Benefits.

Claims for Compensation Benefits and Dependency Benefits can be filed through VDC. VDC is available for use in eBenefits under the �Apply for Benefits� section. A Premium eBenefits account is necessary for access to VDC. Your VONAPP username and password will not allow access to VDC. To register for an eBenefits Premium account, please visit their DS Logon Account Registration page.

Once registered, select “Apply” on the eBenefits homepage. You will then be able to select the benefit for which you are wanting to apply.


7 Requirements for the Child Tax Credit – TurboTax Tax Tips & Videos #claims #management #system

how to claim child tax credit

7 Requirements for the Child Tax Credit

The Child Tax Credit can reduce your tax bill by as much as $1,000 per child, if you meet all seven requirements.

To claim the Child Tax Credit. you must determine if your child is eligible. There are seven qualifying tests to consider: age, relationship, support, dependent status, citizenship, length of residency and family income. You and/or your child must pass all seven to claim this tax credit.

How to determine who qualifies

Here s how to determine which of your kids will qualify you for the credit:

To qualify, a child must have been under age 17 (i.e. 16 years old or younger) at the end of the tax year for which you claim the credit.

The child must be your own child, a stepchild, or a foster child placed with you by a court or authorized agency. An adopted child is always treated as your own child. ( An adopted child includes a child lawfully placed with you for legal adoption, even if that adoption is not final by the end of the tax year.)

You can also claim your brother or sister, stepbrother, stepsister. And you can claim descendents of any of these qualifying people such as your nieces, nephews and grandchildren if they meet all the other tests.

To qualify, the child cannot have provided more than half of his or her own financial support during the tax year.

Bear in mind that in order for you to claim a child as a dependent, he or she must: 1) be your child (or adoptive or foster child), sibling, niece, nephew or grandchild; 2) be under age 19, or under age 24 and a fulltime student for at least five months of the year; or be permanently disabled, regardless of age; 3) have lived with you for more than half the year; and 4) have provided no more than half his or her own support for the year.

The child must be a U.S. citizen, a U.S. national or a U.S. resident alien. (For tax purposes, the term U.S. national refers to individuals who were born in American Samoa or in the Commonwealth of the Northern Mariana Islands.)

The child must have lived with you for more than half of the tax year for which you claim the credit. There are important exceptions, however: A child who was born (or died) during the tax year is considered to have lived with you for the entire year.

Temporary absences by you or the child for special circumstances, such as school, vacation, business, medical care, military services or detention in a juvenile facility, are counted as time the child lived with you. (There are also some exceptions to the residency test for children of divorced or separated parents. For details, see the instructions for Form 1040. lines 51 and 6c, or Form 1040A. lines 33 and 6c.)

The child tax credit is reduced if your modified adjusted gross income (MAGI) is above certain amounts, which are determined by your tax-filing status. The phase out threshold is $55,000 for married couples filing separately; $75,000 for single, head of household, and qualifying widow or widower filers; and $110,000 for married couples filing jointly. For each $1,000 of income above the threshold, your available child tax credit is reduced by $50.

What if the credit exceeds my tax liability?

The Child Tax Credit is nonrefundable; if your credit exceeds your tax liability, your tax bill is reduced to zero and any remaining unused credit is lost. However, you may be able to claim a refundable Additional Child Tax Credit for the unused balance. You can find out if you’re eligible for this refundable credit by completing the worksheet in IRS Form 8812.

Remember, when you file your taxes with TurboTax, we ll ask simple questions about you and your kids and figure out exactly how much of the Child Tax credit you re eligible to receive.

Get every deduction
you deserve

TurboTax Deluxe searches more than 350 tax deductions and credits so you get your maximum refund, guaranteed.

The above article is intended to provide generalized financial information designed to educate a broad segment of the public; it does not give personalized tax, investment, legal, or other business and professional advice. Before taking any action, you should always seek the assistance of a professional who knows your particular situation for advice on taxes, your investments, the law, or any other business and professional matters that affect you and/or your business.

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Personal Injury Court #az #unemployment #weekly #claim

personal injury compensation

Do I have to go to court for my personal injury claim?

By Eoin P. Campbell, LL.B. Solicitor

Personal Injury Court

This is an exceptionally common question that is asked of personal injury litigation solicitors by their clients. As one would expect, a professional and competent legal team, i.e. a solicitor together with perhaps both senior and junior counsel, will prepare every case to the highest standard and on the assumption that it will go to court. They will be ready for a full trial on the facts if necessary.

The reality, however, is that very few personal injury cases ever go to trial. The vast majority, perhaps more than 97% of such cases, are settled between the parties beforehand. In practice, personal injury cases will come before the court normally only when the parties have failed to agree on a suitable amount of compensation (where the victim/plaintiff and his or her lawyers feel that the amount of money that has been offered is not enough to fairly compensate for the personal injuries loss and damage that he or she has sustained). Moreover, it should be noted that very often judges will frown on personal injury litigation cases that come before the courts when only the quantum of damages is in dispute. It is very often the judge’s view that in such circumstances it should be possible for the parties to reach a settlement that reflects established principles without referring the matter to the courts that are already overworked.

Other circumstances where a personal injury claim may go to court include cases where no compensation has been offered to the plaintiff/victim at all, i.e. the defendants assert that they are not liable for the plaintiff’s injuries. This situation may arise, for example, where there has been a disagreement over the facts or events of the incident itself.

Even when a court date has been set, a settlement can still be reached between the parties and it is in fact not unusual that a case could be settled on the very morning that the matter has been scheduled to go to trial.

What should also be noted is that, as the plaintiff, it is you who retains the authority to agree to a settlement of your claim. Your solicitor will only ever advise you on a settlement figure and has no authority to settle the case without your express permission to do so. Your solicitor will advise as to what, in their professional opinion, your case is worth and as to whether or not you should accept any offer of settlement that has been made. This is, of course, a very important decision as the compensation is paid by the defendants (with very few exceptions) in full and final settlement of all actions and claims arising from your accident. Even in the event, therefore, that your injuries deteriorate or later prove to be more serious than was believed at the time of settlement, you will retain no further claim or recourse against the defendant or his or her insurers.


  • A personal injury court is used to settle disputes over liability and awards of compensation.
  • Cases which are declined by the Injuries Board Ireland are heard in a personal injury court.
  • In a personal injury court, you have to have legal representation through a solicitor.
  • Although each case prepared by a solicitor is ready for the personal injury court, very few cases actually go to trial.
  • Claims for personal injury compensation can often be settled by negotiation before being heard in a personal injury court.
  • Therefore, it is in your best interests to speak with a solicitor to find out more about personal injury courts before making any claim for compensation.

It is important to note that each case is unique. If you feel that you have a potential personal injury claim you are advised to discuss all of the points raised in the preceding article with a solicitor at the earliest opportunity.

About the Author
Eoin P. Campbell is an honours law graduate (LL.B) and qualified solicitor whose primary professional experience is in the area of litigation and in particular personal injury claims. Eoin P. Campbell is currently lecturing in law at two universities in Lyon, France.


Difference Between a Personal Injury and Workers – Compensation Claim #claims #solutions

personal injury compensation

Difference Between a Personal Injury and Workers Compensation Claim

What is the difference between a workers’ compensation case and a personal injury claim or lawsuit?

The biggest and most important difference is that a personal injury claim is based on fault and a workers’ compensation case is not. In order to recover damages against someone for a car accident, a slip and fall, or indeed any type of negligence claim, the other person must be negligent. meaning that he/she must have done something wrong.

Fault Needed in a Personal Injury Case

A slip and fall case is a good example of fault in a personal injury case. Simply because you slipped and fell on someone else’s property does not mean that the person who owns the property (or anyone else for that matter) was negligent. Accidents, where no one is at fault, do happen. In order to recover damages for slipping on someone else’s property, you and your lawyer must prove that that other person negligently maintained his/her property — i.e. that he/she did something wrong. Similarly, if you are in a car accident, you can only recover damages from the other driver if the other driver was at fault.

No Fault Needed in a Workers’ Compensation Case

In a workers’ compensation case, any employee injured on the job is entitled to workers’ compensation benefits, with some very limited exceptions. Workers’ compensation has nothing to do with fault. You do not need to prove that your employer or your co-workers did anything wrong in order for you to receive workers’ compensation benefits. Even if you were negligent, and your negligence caused your injury, you are still entitled to receive workers’ compensation benefits.

Different Damages

The biggest difference in damages between a personal injury claim or lawsuit and a workers’ compensation case is that you are not entitled to benefits for pain and suffering in a workers’ compensation case. In a personal injury claim or lawsuit, you are entitled to recover all of the damages that you have suffered. This includes lost earnings, lost earning capacity, medical bills, future medical expenses, permanent impairment, pain and suffering, and loss of enjoyment of life (i.e. hedonic damages), among other things.

But in a workers’ compensation case, you can only receive weekly compensation, permanent impairment benefits, medical bills, and vocational rehabilitation. For more detail, see How Much in Workers’ Compensation Benefits Will You Get?

You cannot receive benefits for pain and suffering in a workers’ compensation case. This is because the concept of workers’ compensation is basically a tradeoff between labor and business owners. Before states enacted workers’ compensation laws around the turn of the twentieth century, the only remedy that injured workers had against their employers was to sue them for negligence. If the employer was not negligent, or if the employee did not sue or bring a claim against the employer, the employee got nothing.

You Cannot Sue Your Employer or Your Co-Workers

The workers’ compensation laws ensured that all workers who were injured on the job would get some weekly benefits and would get their medical bills paid. In return, injured workers lost the right to sue their employers and co-workers for negligence and lost the right to collect damages for pain and suffering.

Are There Any Workers Who Are Still Legally Permitted To Sue Their Employers?

Yes, two small classes of employees do not fall under any workers’ compensation laws: crewmembers of vessels and interstate railroad workers.

If you are a crewmember of any type of boat, from a cruise ship down to the smallest two person commercial fishing boat, you are not entitled to workers’ compensation benefits. Instead, a federal law known as the Jones Act authorizes you to sue your employer for damages, including pain and suffering, if you get hurt on the job. If you are a member of a crew of a vessel and get hurt in the course of your employment, you should contact a lawyer who specializes in Jones Act cases.

Interstate railroad workers, are authorized by a different federal law called the Federal Employers Liability Act (FELA) to sue their employer for damages if they get injured while on the job. Interstate railroad workers are usually workers who work for a railroad that operates in more than one state. Commuter rail workers do not always fall under the FELA. If you work on a railroad and get injured on the job, you should contact a FELA lawyer for more information about this law.


Medicare Plans #southern #owners #insurance #company #claims

medicare claim

Disclaimer and Medicare Complaint Form

Medicare Advantage Plans

Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract. Enrollment in the plan depends on the plan’s contract renewal with Medicare. UnitedHealthcare Insurance Company pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers. You do not need to be an AARP member to enroll.

AARP encourages you to consider your needs when selecting products and does not make specific product recommendations for individuals.

The benefit information provided is a brief summary, not a complete description of benefits. For more information, contact the plan. Limitations, co-payments, and restrictions may apply. Benefits, formulary, pharmacy network, provider network, premium and/or co-payments/co-insurance may change on January 1 of each year.

The Formulary, pharmacy network, and/or provider network may change at any time. You will receive notice when necessary.

You must continue to pay your Medicare Part B premium if not otherwise paid for under Medicaid or by another third party.

This information is available for free in other languages. Please contact Customer Service for additional information.

Esta información está disponible sin costo en otros idiomas. Para obtener más información comuníquese comuníquese con nuestro Servicio al Cliente.

Medicare beneficiaries may enroll in AARP MedicareComplete Plans, insured through UnitedHealthcare, through the CMS Medicare Online Enrollment Center located at

Medicare evaluates plans based on a 5-Star rating system. Star Ratings are calculated each year and may change from one year to the next.

Medicare prescription drug plans

Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract. Enrollment in the plan depends on the plan’s contract renewal with Medicare. AARP MedicareRx Plans carry the AARP name, and UnitedHealthcare Insurance Company pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. You do not need to be an AARP member to enroll. AARP and its affiliates are not insurers. AARP encourages you to consider your needs when selecting products and does not make specific product recommendations for individuals.

This information is not a complete description of benefits. Contact the plan for more information. Limitations, co-payments, and restrictions may apply. Premium and/or co-payments/co-insurance may change on January 1 of each year.

You must continue to pay your Medicare Part B premium if not otherwise paid for under Medicaid or by another third party.

This information is available for free in other languages. Please contact Customer Service for additional information.

Esta información está disponible sin costo en otros idiomas. Para obtener más información comuníquese comuníquese con nuestro Servicio al Cliente.

Medicare beneficiaries may enroll in AARP MedicareComplete Plans, insured through UnitedHealthcare, through the CMS Medicare Online Enrollment Center located at

Medicare evaluates plans based on a 5-Star rating system. Star Ratings are assessed each year and may change from one year to the next.

If you would like to provide feedback regarding your Medicare plan, you can contact Customer Service toll-free at 1-877-699-5710(TTY: 711),8 a.m. – 8 p.m. local time, 7 days a week or you can provide feedback directly to Medicare through their Complaint Form about your Medicare health plan or prescription drug plan.


Named Driver Car Insurance #tucan #claims

named driver no claims

Named Driver Car Insurance

Why should I consider named driver insurance?

Car insurance can cost a fortune for some people such as young drivers who have only recently passed their test and those with a motoring conviction. Premiums are higher because insurers perceive these individuals as being higher risk.

But all is not lost if you fall into one of the above groups, as there is a simple way to keep costs down, and that involves adding an older or more experienced motorist to your policy. Alternatively, you could also look into becoming a named driver on another motorist’s policy.

That said, while both these options may seem very appealing if you’re facing sky-high motor insurance premiums, you do need to beware of a few things before going ahead with this arrangement. Here we take a look at the things you need to consider.

How does adding a driver impact on motor insurance premiums?

As a motorist, it is a legal requirement to have car cover in place. When applying for a policy you will need to provide the insurer with not only your own name, but also details of any other individuals you want added alongside the main driver. Once you’ve given the details of the named driver, he or she will have the same level of cover as you.

By adding a named driver you can help to bring down the cost of your car insurance premium, because you won’t be the only person driving the car and therefore the associated cost is lessened.

Your insurer will base the named driver insurance premium on the fact you will be spending less time in the car – thereby reducing the chances of you having an accident and making a claim.

It’s also possible to get your name added to someone else’s policy; for example, as a young driver, you could add your name to your parent’s car insurance policy. Having done this, you are perfectly within the law to use that car.

Crucially however, you need to be aware that if you are a named driver, you usually won’t be able to build up your own no-claims record – so won’t be able to benefit from a no-claims discount (NCD) on your car insurance in the future.

Admittedly, some insurers will permit named drivers to earn their own NCD which can be used to get lower car insurance premiums further down the line, but this is usually only the case if you stay with the same insurer.

If you’re considering this, you need to do a bit of research, as there are rarely rewards for loyalty when it comes to insurance – so you need to weigh up the benefits of being able to use your NCD with your existing insurer against switching to a new insurer offering a lower motor insurance premium.

It’s worth trying to pay your full premium upfront, rather than in monthly instalments by direct debit, as paying monthly will cost you more

Don’t fall into the fronting trap

While the idea of a named driver car insurance policy may sound very appealing – and significantly lighter on your wallet – you need to tread very carefully, or you could fall foul of the law.

If you are the main driver of a vehicle the insurance for that car must be in your name. If it isn’t you are breaking the law and committing a crime called fronting. Your motor insurance is effectively invalid and if the insurer finds out, you are likely to have any claim turned down.

In some cases, you could even find your cover is cancelled altogether. This could leave you stuck struggling to get car insurance in the future, as you would then have to declare the fact you had fronted to other car insurance companies – who may then refuse to cover you.

As a younger motorist, the repercussions can be even more severe, because if you make a claim and the insurer then discovers you are the main driver – and not the named driver – you could find not only that your insurance has been invalidated, but that you have also got six points on your licence for driving uninsured.

For young drivers, six points means an instant ban; this, in turn, could make it a great deal harder to get affordable cover further down the line.

What other steps can you take to drive down the cost of car cover?

If you are struggling to get to grips with costly car insurance, there are plenty of other steps you can take to keep costs down, aside from opting for a named driver car insurance policy.

One of the best ways to reduce your car insurance premiums is by driving carefully and sensibly and building up a no-claims discount. Many insurers give discounts of up to 70% to drivers who haven’t claimed for more than five years. Sticking to the speed limit will also save you money, as points on your licence will bump up the cost of your cover.

Where possible, it’s worth trying to pay your full premium upfront, rather than in monthly instalments by direct debit, as paying monthly will cost you more.

A black box insurance policy could be a good option. This is where you have a ‘black box’ fitted into your car so the insurer can monitor how you drive. If you show you drive safely and responsibly you can then benefit from discounts on your premium. Telematics insurance is becoming an increasingly popular option for young drivers as they face the steepest premiums. You can find out more about what it is and how it works by reading our guide to telematics insurance.

You could also consider paying a higher excess as this can mean a lower premium; the excess is the chunk of the cost you pay yourself in the event of a claim. You therefore need to make sure you can afford to pay out for the higher excess if you do have to make a claim.

Young drivers could look into taking the Pass Plus course. This advanced driving course can result in a discount when you come to take out cover.
While you may have considered trying to save money by limiting your cover to third party, fire and theft (TPFT), you need to check the cost, as in recent years, TPFT has got more expensive – and could now cost more than the average comprehensive premium.

A better way to cut costs is by improving the security features of your car, such as adding an alarm or an immobiliser; you should also try and park your car in a garage or driveway if you can, as most insurers will give you a discount for keeping your car somewhere safe.

When buying a car, also consider how much it will cost to insure, as you will, for example, pay extra to cover a smart little sporty model.

Finally, never automatically renew your cover with your existing insurer at renewal time, as you should be able to find a far more competitive deal by shopping around.

One of the simplest ways to do this is by logging onto MoneySuperMarket’s car insurance comparison page; here you can compare named driver car insurance quotes available through leading providers.

Aside from these tips, there are a host of other things you can do to keep a lid on costs; for more ideas visit our money-saving tips page .

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File and Manage a Claim #cholamandalam #motor #claim #form

claiming unemployment

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This Google translation feature, provided on the Employment Development Department (EDD) website, is for informational purposes only.

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Forms and publications provided on the EDD website cannot be translated using Google Translate. Some forms and publications are translated by the department in other languages. For those forms, visit the Online Forms and Publications section.

File and Manage a Claim

Information for Those Impacted by Wildfires

The Governor has issued a state of emergency proclamation for three California Counties due to the effects of wildfires. For more information about EDD assistance for those impacted by these disasters including Unemployment Insurance benefits, Disability Insurance benefits, Paid Family Leave benefits, and a payroll tax extension for employers, visit EDD s Disaster Related Services.

The EDD manages the Unemployment Insurance (UI) and State Disability Insurance (SDI) programs for the State of California. SDI includes both Disability Insurance (DI) and Paid Family Leave (PFL). You can file a claim for all of these programs online, by phone, or by mail.

In addition to the information below, it is important for claimants and employers to understand their roles and responsibilities in ensuring that information is reported accurately and the correct benefits are paid. Committing fraud has serious outcomes. Learn more on Fraud and Penalties: What You Need to Know or review our Recent Fraud Convictions .

Unemployment Insurance

Disability Insurance


Compensation – Personal Injury #online #claims

personal injury compensation

Personal Injury

What is a Personal Injury Compensation?

Personal Injury Compensation is the financial or punitive restitution that is rendered as a result of the sentencing expressed by the judicial officer responsible for presiding over a personal injury case. Due to the inherent variance within the individual natures of personal injury claims, the determination of Personal Injury Compensation will rarely be uniform.

While legal counsel may be enacted with regard to the victim sustaining the alleged personal injury in addition to the request for Personal Injury Compensation, the accused party may undertake legal counsel in order to avoid furnishing monies with regard to the Personal Injury Compensation requested by the victim.

Regardless of the nature latent within the legal counsel petitioned for personal injury claims, the determination of Personal Injury Compensation remains uniform with regard to both the establishment and determination of the individual roles undertaken by the clients respectively:

Physical, Personal Injury Compensation

In certain cases, a personal injury attorney will be undertaken with regard to the provision of legal counsel for physical, personal injury sustained by their respective client; in the event of identifiable damage, injury, or harm sustained at the hands of the accused party, both depictions of that physical manifestation(s) of the injury in tandem with the amount of applicable medical or rehabilitative expenses will serve to provide the expressed request set forth for Personal Injury Compensation.

Emotional, Personal Injury Compensation

In contrast to physical Personal Injury Compensation, which tend to be identifiable and measurable, emotional or psychological personal injury claims set forth typically retain a nature of ambiguity with regard to the degree of personal injury sustained due to the lack of tangible or visual damage. In many cases, medical bills and expenses reflecting mental health, therapy, or treatment in tandem with the testimony offered by mental health professionals will serve to substantiate the amount of the emotional, Personal Injury Compensation furnished.

Determining Personal Injury Compensation

In order to determine the amount of Personal Injury Compensation within an event in which a contractual agreement was absent, the analysis and establishment of intent, liability, culpability, accountability, and individual responsibility is required. This process of determination allows for the identification of both the party cited as the liable party , as well as the party cited as the victim

Personal Injury Compensation Assistance and Legal Counsel

Both the nature, as well as the specifications of personal injury is subject to variation; each and every personal injury claim submitted will be analyzed and investigated with regard to the applicable settings, circumstances, and situations. In the event that you, a family member, or a loved one have sustained a personal injury, you are encouraged to contact legal counsel in the form of a personal injury attorney or personal injury solicitor – for further assistance with regard to submitting a personal injury claim.

Personal injury lawyers can provide much needed assistance with regard to the imperative within the formulation of a legal and valid personal injury claim; this may include the compilation of an incident report, testimony, as well as the submission of a claim to the proper overseeing or regulatory body.


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Personal Injury Compensation – A Guide To Claiming #diminished #value #claims

personal injury compensation

Personal Injury Compensation A Guide To Claiming Compensation

At Bott Co we settle thousands of personal injury claims every year and recover millions of pounds for injured people to help them get back to where they were before the accident.

One of the most common questions people ask when considering making a claim is how much compensation they might receive. We’ve broken down all of the various factors that go into calculating the value of a potential claim in an easy to read guide below.

Jump to a section

What Can I Claim For?

Each case is unique so putting a value on claims without knowing the full circumstances is almost impossible. However, our solicitors are experienced in dealing with personal injury claims and they know how best to put a figure to the pain you’ve suffered and the costs you’ve incurred.

Personal Injury Claim amounts can vary from £850 right up to £190,000, depending on your injury and how it may affect your life.

You can claim for compensation for an injury but also for any costs incurred as a result of an injury such as:

  • Medication
  • Hospital Visits
  • Travel Expenses
  • Loss of Earnings
  • Care or assistance for domestic chores

Top class service from start to finish. I would recommend Bott & co to anybody. Great contact via email and post. Regular updates on my case. Extremely professional service. I could not be happier with the result on my case.

2016 Bott Co. All rights reserved.

Bott and Co Solicitors Ltd is a Private Limited Company registered in England and Wales with registration number 8615712. Registered office and principal place of business St Anns House, Parsonage Green. Wilmslow, Cheshire, SK9 1HG. Bott and Co Solicitors Ltd is authorised and regulated by the Solicitors Regulation Authority, SRA Number 605593. The professional rules of the SRA can be accessed at here. Bott and Co Solicitors Ltd is an alternative business structure regulated by the SRA. The shareholders of Bott and Co Solicitors Ltd have an interest in S & G Response Ltd and Physio2MeLtd (P2M). The shareholders of Bott and Co Solicitors Ltd and some of the employees of Bott and Co Solicitors Ltd have an interest in Pinpoint (Call Solutions)Limited. The interests in S & G Response Ltd, Physio2Me Ltd and Pinpoint (Call Solutions)Limited have no influence upon Bott and Co Solicitors Ltd’s independence and integrity. If you have any queries please contact us for more information.

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Insurance – Car, Home, Pet and Travel Cover – Direct Line #road #accident #claims

car insurance claim

1999-2016 U K Insurance Limited

Direct Line general insurance policies are underwritten by U K Insurance Limited. Registered office: The Wharf, Neville Street, Leeds LS1 4AZ Registered in England and Wales No.1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration number 202810. The Financial Services Register can be accessed through .

Things you need to know about Over 50s life insurance:
Premiums stop after your 90th birthday but you still enjoy cover for the rest of your life. In the first year, if you die from natural causes we will refund any premiums, or if you die as a result of an accident, we will pay your cash sum. After the first year regardless of the cause of death we will pay your cash sum. Depending on how long you live, the total sum paid in premiums may be more than the cash sum payable on death. If you stop paying your premiums before the end of your policy your cover will stop 30 days after your missed premium and you won t get anything back. This isn t a savings or investment product and has no cash value unless a valid claim is made. Inflation will reduce the buying power of your cash sum in the future.


RAC Motoring Forum #insurance #claims #jobs

named driver no claims

When a named driver on your policy has a fault claim

When a named driver on your policy has a fault claim

Maybe this question has been asked before, for which I apologise if that’s the case. Maybe also it’s a really dumb question but I haven’t been able to find a concrete answer anywhere.

If you have your own policy, and then you add a named driver, and then the named driver ends up doing something silly and getting a fault claim, does it affect your OWN insurance premium and claim history, or only that of the named driver?

My guess would be that it would depend on the insurance company. I know of an instance where the policyholder lost his entire no claims, but have heard of instances where they have lost two years NCB. Can’t say I really understand the market for driving on another’s policy, the added driver doesn’t earn his own (transferable) NCB, the policyholder’s NCB is put at risk, and it doesn’t seem to be any cheaper, but gives insurance company all sorts of ‘wriggle-out’ clauses.

My guess would be that it would depend on the insurance company. I know of an instance where the policyholder lost his entire no claims, but have heard of instances where they have lost two years NCB. Can’t say I really understand the market for driving on another’s policy, the added driver doesn’t earn his own (transferable) NCB, the policyholder’s NCB is put at risk, and it doesn’t seem to be any cheaper, but gives insurance company all sorts of ‘wriggle-out’ clauses.

Thanks for your suggestion.

The reason I drive on another driver’s policy is because I haven’t got a car, simply. It costs me about £2 a day to be added to her fully comprehensive policy. The T Cs are that I can drive her car for a maximum of 90 days out of any 365 consecutive days (i.e. not a calendar year, just from any one date to the same date next year). The drawback is that there is a standard £20 fee every time I am added to the policy. So if I wanted to go on for 5 days, instead of £10, it would be £30! But it is worthwhile if I’m kept on for the entire summer or something like that without any pauses.

Yes, the big drawback is that I cannot earn a NCB

By the way I didn’t ask this as a subtle way to hide a fact that I crashed my mum’s car – I didn’t! I’m posting it because I will soon be getting a car and I am planning on adding someone else to my policy when I get one, and was wondering if I’d be punished myself if the other person had to make a claim. It would seem very unfair if that were the case, but not at all surprising.

Thanks for your suggestion.

The reason I drive on another driver’s policy is because I haven’t got a car, simply. It costs me about £2 a day to be added to her fully comprehensive policy. The T Cs are that I can drive her car for a maximum of 90 days out of any 365 consecutive days (i.e. not a calendar year, just from any one date to the same date next year). The drawback is that there is a standard £20 fee every time I am added to the policy. So if I wanted to go on for 5 days, instead of £10, it would be £30! But it is worthwhile if I’m kept on for the entire summer or something like that without any pauses.

Yes, the big drawback is that I cannot earn a NCB

By the way I didn’t ask this as a subtle way to hide a fact that I crashed my mum’s car – I didn’t! I’m posting it because I will soon be getting a car and I am planning on adding someone else to my policy when I get one, and was wondering if I’d be punished myself if the other person had to make a claim. It would seem very unfair if that were the case, but not at all surprising.

With some companies (eg Direct Line) a named driver DOES earn their own NCB – that’s why my wife is with them, with my dughter as named driver!


Compensation legal definition of compensation #personal #injury #claim #calculator




A pecuniary remedy that is awarded to an individual who has sustained an injury in order to replace the loss caused by said injury, such as Workers’ Compensation. Wages paid to an employee or, generally, fees, salaries, or allowances. The payment a landowner is given to make up for the injury suffered as a result of the seizure when his or her land is taken by the government through Eminent Domain .


n. 1) payment for work performed, by salary, wages, commission or otherwise. It can include giving goods rather than money. 2) the amount received to “make one whole” (or at least better) after for an injury or loss, particularly that paid by an insurance company either of the party causing the damage or by one’s own insurer.



1 a monetary payment for loss or damage.

2 in Scotland, the right to set off one debt against another with the effect of reducing the one by the amount of the other. The right is not available after decree. It applies only to liquid debts or, at the discretion of the court, debts easily made liquid. There must be concursus debiti et crediti, meaning that each party must be the other s debtor and creditor. An executor sued for a private debt has been held unable to plead compensation in respect of a debt owed to him as executor. The rules operate differently in insolvency. See CRIMINAL INJURIES COMPENSATION.

COMPENSATION, chancery practice. The performance of that which a court of chancery orders to be done on relieving a party who has broken a condition, which is to place the opposite party in no worse situation than if the condition had not been broken.
2. Courts of equity will not relieve from the consequences of a broken condition, unless compensation can be made to the opposite party. Fonb. c. 6; s. 51 n. (k) Newl. Contr: 251, et. seq.
3. When a simple mistake, not a fraud, affects a contract, but does not change its essence, a court of equity will enforce it, upon making compensation for the error, The principle upon which courts of equity act,” says Lord Chancellor Eldon, “is by all the authorities brought to the true standard, that though the party had not a title at law, because he had not strictly complied with the terms so as to entitle him to an action, (as to time for instance,) yet if the time, though introduced, as some time must be fixed, where something is to be done on one side, as a consideration for something to be done on the other, is not the essence of the contract; a material object, to which they looked in the first conception of it, even though the lapse of time has not arisen from accident, a court of equity will compel the execution of the contract upon this ground, that one party is ready to perform, and that the other ma, have performance in substance if he will permit it.” 13 Ves. 287. See 10 Ves. 505; 13 Ves. 73, 81, 426; 6 Ves. 675; 1 Cox, 59.

COMPENSATION, contracts. A reward for services rendered.

COMPENSATION, contracts, civil law. When two persons are equally indebted to each other, there takes place a compensation between them, which extinguishes both debts. Compensation is, therefore, a reciprocal liberation between two persons who are creditors and debtors to each other, which liberation takes place instead of payment, and prevents a circuity. Or it may be more briefly defined as follows; compensatio est debiti et crediti intter se contributio.
2. Compensation takes places, of course, by the mere operation of law, even unknown to the debtors the two debts are reciprocally extinguished, as soon as they exist simultaneously, to the, amount of their respective sums. Compensation takes place only between two debts, having equally for their object a sum of money, or a certain quantity of consumable things of one and the same kind, and which are equally liquidated and demandable. Compensation takes place, whatever be the cause of either of the debts, except in case, 1st. of a demand of restitution of a thing of which the owner has been unjustly deprived; 2d. of a demand of restitution of a deposit and a loan for use; 3d. of a debt which has for its cause, aliments declared not liable to seizure. Civil Code of. Louis. 2203 to 2208. Compensation is of three kinds: 1. legal or by operation of law; 2. compensation by way of exception; and, 3. by reconvention. 8 L. R. 158; Dig. lib. 16, t. 2; Code, lib. 4, t. 31; Inst. lib. 4, t’ 6, s. 30; Poth. Obl. partie. 3eme, ch. 4eme, n. 623; Burge on Sur. Book 2, c. 6, p. 181.
3. Compensation very nearly resembles the set-off (q.v.) of the common law. The principal difference is this, that a set-off, to have any effect, must be pleaded; whereas compensation is effectual without any such plea, only the balance is a debt. 2 Bouv. Inst. n. 1407.

COMPENSATION, crim. law; Compensatio criminura, or recrimination (q.v.)
2. In cases of suits for divorce on the ground of adultery, a compensation of the crime hinders its being granted; that is, if the defendant proves that the party has also committed adultery, the defendant is absolved as to the matters charged in the libel of the plaintiff. Ought. tit. 214, Pl. 1; Clarke’s Prax. tit. 115; Shelf. on Mar. & Div. 439; 1 Hagg. Cons. R. 148. See Condonation; Divorce.

COMPENSATION, remedies. The damages recovered for an injury, or the violation of a contract. See Damages.

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But he had sense to postpone complaining: there might be compensation within.

I receive the money, not only as my right, but also as a proper compensation for the injustice which I suffered from my father, and a proper penalty paid by my younger brother for the vile intrigue by which he succeeded in disinheriting me.

I only mean that I suppose some compensation is fair and reasonable in that sort of marriage.

But if you think as Money can make compensation to me for the loss of the little child – what come to the forge – and ever the best of friends

This important person advanced into the chamber with a grave pace, followed by four attendants, bearing in a table covered with dishes, the sight and smell of which seemed to be an instant compensation to Athelstane for all the inconvenience he had undergone.

Thinking himself without the pale of humanity, he was restrained by no scruples and he employed his extraordinary gifts of dexterity and imagination, which he had received by way of compensation for his extraordinary uglinesss, to prey upon his fellow-men.

I understand thee, Sancho,” replied Don Quixote; “I perceive clearly that those visits to the wine-skin demand compensation in sleep rather than in music.

We shall not, however, see much reason to reget the want of this hope, when we consider how little prospect there is, that the most delinquent States will ever be able to make compensation for their pecuniary failures.

We could not complain, and, indeed, the singularity of our fate reserved such wonderful compensation for us that we had no right to accuse it as yet.

It is a law of nature we overlook, that intellectual versatility is the compensation for change, danger, and trouble.

It would have been so unquestionably, had not God given me so large a compensation .

Yet the misery, for which years of happiness were to offer no compensation. received soon afterwards material relief, from observing how much the beauty of her sister re-kindled the admiration of her former lover.


MORE THAN #accidents #claims

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Pet Insurance with £25 cashback – only when you buy direct

Excludes Accident Only cover. For new pet customers. You must hold the policy for 70 days and premiums paid. Cashback will be paid within 90 days of the policy start date. We will send a cheque to the first named policyholder. Only one £25 cashback per policy. We may withdraw this offer at any time. The offer is promoted by MORE TH N.

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MORE TH>N brings you all the news and information about what we cover, what we do and what that means for you, including flood advice.

Customer loyalty discount

You already trust us with your insurance, so we want to thank you by offering you a great deal on other selected insurance products.

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Medicaid Home #define #the #demand

medicare claim

New Notable

Popular Pages


Celebrating Two Years of Supporting States’ Medicaid Delivery System Reform Activities: The Medicaid Innovation Accelerator Program

This July the Medicaid Innovation Accelerator Program (IAP) celebrates its second year of supporting Medicaid programs’ delivery system reform efforts in key program areas (e.g. SUD, LTSS, beneficiaries with complex needs, physical/mental health integration) and functional areas (e.g. measurement, data analytics, payment modeling, performance improvement). CMCS Deputy Director, Tim Hill and IAP Director, Karen LLanos wrote the IAP commentary about the program’s work to-date and to share some exciting news about several upcoming technical support opportunities for Medicaid programs.

A federal government managed website by the Centers for Medicare Medicaid Services. 7500 Security Boulevard Baltimore, MD 21244


Additional driver insurance (named drivers) #unemployment #pa #biweekly #claim

named driver no claims

Additional driver insurance (‘named’ drivers)

Adding an additional named second driver, or multiple drivers, to your car insurance policy is a common requirement and one that it’s essential to handle correctly.

Key points

  • Ensure you avoid the offence of fronting by declaring who the main driver is
  • If you add an extra driver you need their permission and, if they have their own policy, they should inform their insurer
  • Don’t assume you’re covered to drive another car just because you have a comprehensive policy
  • Depending on the circumstances, short-term car insurance policies are worth considering

As a motorist you may need to add extra drivers to your car insurance policy for all kinds of reasons and many people share their vehicles.

You might assume it’ll be more expensive to have multi-driver car insurance than it is to insure just yourself, but that’s not necessarily the case.

Insuring multiple drivers can even work out cheaper in certain cases, although you need to make sure you’re not committing the offence known as fronting .

Adding a named driver to your insurance

It’s simple to take out additional driver insurance. Just get in touch with your insurers or, if, you’re taking out a new policy, input the correct details on the form.

When you use’s quotes comparison service, after you’ve entered the details of the main driver you’ll be asked whether you want to add additional drivers – you can add up to four extra named drivers before comparing quotes.

If you’ve chosen to add extra drivers you’ll need to input details for them including any accidents and/or motoring convictions that they may have had.

Remember that you need the permission of an additional driver before naming them onto your policy.

If the named driver has their own car insurance they’ll also need to declare to their own cover provider that they have access to another vehicle.

Some insurers may even offer the additional driver a discount on their own policy based on this additional driving experience, but note that they’ll have to be able to prove they have use of another car.

Beware of the dangers of fronting

Always declare accurately who the main driver of the vehicle is or you risk committing the offence known as fronting.

This has been particularly prevalent with young and new drivers fraudulently naming older, more experienced motorists as the main driver on their policy.

See also:

Young drivers’ car insurance can be difficult to arrange within any sort of reasonable budget, but it’s perfectly legal to be a second driver on the policy of a parent or another relative.

It’s vital, though, that if you’re the person who drives the vehicle most frequently you don’t pretend that the parent or relative is the main driver and that you’re simply an additional driver.

As well as being illegal, this will invalidate your cover, meaning that you won’t have valid insurance if you have to make a claim.

Temporary additional driver insurance

Sometimes you need to add an additional driver to your policy for just a few days, such as if you’re lending your car to a friend.

It’s often assumed that if the additional driver has his or her own fully comprehensive car insurance. they’ll be covered to drive your vehicle on a third party only basis, but this isn’t necessarily the case.

In the event of an accident or claim you may find that they’re not covered.

If this is the case, or you want to ensure that your vehicle has fully comprehensive cover, there are two main options to consider.

These are adding a named driver to your existing policy, or asking the additional driver to take out a short-term motor insurance policy .

A short-term policy tends to last between one and 28 days and is usually only available to drivers over the age of 21, or perhaps even 25.

See also:

Any claims made on the short term policy should not affect your own no claims bonus. but there might be more exclusions than on a standard policy so read the wording carefully.

If you take the other option of adding a named driver to your existing policy, the price you have to pay will depend on the terms and conditions of your cover and on the motorist you want to add.

It may be a significant sum, or it may be cheaper than you think. This will vary from insurer to insurer, so if it’s something you think you may want to do it’s worth looking into potential admin and other costs when you take out your insurance.

By Rebecca Lees

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Quitclaim Deed – Free Legal Form #online #claim

quit claim deed sample

THIS QUITCLAIM DEED, Executed this ____ day of __________________, 20____, by first party________________________________ whose post office address is________________________________ to second party,________________________________ whose post office address is________________________________.

WITNESSETH, That the said first party, for good consideration and for the sum of $_______________ paid by the said second party, the receipt whereof is hereby acknowledged, does hereby remise, release and quitclaim unto the said second party forever, all the right, title, interest and claim which the said first party has in and to the following described parcel of land, and improvements and appurtenances thereto in the County of_____________________, State of_______________, to wit:

IN WITNESS WHEREOF, The said first party has signed and sealed these presents the day and year first above written.

Signed, sealed and delivered in presence of:

____________________________ ______________________________
Witness First Party

____________________________ ______________________________
Witness Second Party


On________________________________ me,__________________________, personally appeared________________________________, personally known to me (or proved to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument.

WITNESS my hand and official seal.

Affiant: _____Known _____Unknown

ID Produced: __________________________


Free Quit Claim Deed Form – Sample Quitclaim Deed Form #small #claims #court #los #angeles

quit claim deed sample

Free Quit Claim Deed Form

Have a property that is changing hands and looking for a sample quit claim deed form? Then look no further – Our quit claim deed sample will help you transfer property ownership quick and easy.

What You Should Know Before Using Our Free Quitclaim Deed Form

By signing a quitclaim deed, a person (grantor) transfers any ownership rights that he or she may have on a real estate to another person (grantee). It’s like saying, “I’m giving up any stake that I have for this property and handing it over to you.”

If you are the grantee, it’s not time to pop the champagne yet. Even if someone signs over his or her ownership rights to you, it doesn’t necessarily make you the new overlord – For all you know, there are other co-owners or the grantor doesn’t even have ownership in the first place (gasp!). For a guaranteed total transfer of real estate, Click here for our General Warranty Deed instead.

However a sample quitclaim deed form comes in especially handy for divorcing couples where one spouse agrees to sign away all his or her ownership claims on a property and give it all to other party. In this case, one half of the couple does become the sole owner of the property.

Quit claim deed forms also work well if you have a cloud on title. In other words, “We are not sure if this person has any ownership in this real estate. Let’s play it safe and ask the person to sign this deed so that he or she won’t be able to stake a claim for the property.”

*Make sure this free quit claim deed form complies with your local real estate laws before using it. If you have any doubts, you can ask a real estate lawyer online .

Quit Claim Deed Form

This Deed is made on this day of _______________, 20__, between the Grantor _________________________ of address
___________________________________________________________________________ and the Grantee _________________________ of address

WITNESSETH, That the Grantor, for consideration of the sum of $ _______________, the receipt of which is hereby acknowledged, does remise, release and forever quitclaim unto the said Grantee, all the rights, title, interest, claim or demand that the Grantor may have in the following described real property:

IN WITNESS WHEREOF, the Grantor has signed and sealed these presents the day and year first written above.

Signed, sealed and delivered in the presence of:

Grantor Name: _________________________

Grantor Signature: _________________________

Witness Name: _________________________

Witness Signature: _________________________

Witness Name: _________________________

Witness Signature: _________________________

STATE OF _________________________

COUNTY OF _________________________

On this day, personally appeared before me, _________________________, to me known to be the person(s) described in and who executed the within instrument, and acknowledged that he/she signed the same as his/her voluntary act and deed, for the uses and purposes therein mentioned.

Witness my hand and official seal hereto affixed on this day of _______________, 20__.

Notary’s Public Signature: _________________________

My commission expires _______________.


Car insurance #bodily #injury #liability

named driver no claims

Car insurance

Motor legal assistance

Avoid being left out-of-pocket following following a claim where the other party is clearly to blame. Get legal assistance to seek recovery of uninsured losses from the party at fault, such as:

  • Car insurance policy excess
  • Alternative transport costs
  • Loss of earnings
  • Compensation for a personal injury

We will provide cover where it is more likely than not your claim will be successful.

  • 24/7 legal helpline for advice on legal matters
  • Following a car accident, 2 hours tuition with an AA driving instructor to help regain your confidence
  • A range of motoring related online legal documents, like making a formal complaint to a garage about poor quality workmanship
Excess protection

Claim back your policy excess on a claim where you’re at fault or the other party involved cannot be identified.

You can get your excess back on a claim for:

  • Accidental damage
  • Malicious damage
  • Theft or attempted theft
  • Fire
Motor accident plan

Motor Accident Plan pays up to 60,000 if you are injured or die as a result of a car crash.

Motor Accident Plan significantly improves on the personal injury cover included in our comprehensive policy. Compare cover

  • Up to an additional 60,000 on top of any payment provided by your AA car insurance policy, or any other personal accident and life insurance cover (up to 40,000 for named drivers)
  • Cover for a wider range of injuries including fractures, burns and facial scarring
  • 60 cash payment for every 24 hours spent in hospital following a car accident ( 40 for named drivers)

More information and policy documents

Documents for driving abroad

Are you planning to drive in Europe? Make sure you take the right documents with you in case you have an accident.

You should take your Certificate of Motor Insurance if you travel in the EU. This provides details of your insurance cover that you’ll need to provide if you have an accident.

You can get an explanation of how your Certificate of Motor Insurance applies in the countries we mentioned above in our multi-lingual leaflet. You’ll find this helpful while driving abroad.

You can use your Certificate of Motor Insurance and our leaflet instead of a Green Card when you’re driving abroad in the countries listed above. The Green Card (or International Motor Insurance Card) is an internationally recognised document that shows that you have the minimum insurance cover needed by law in the country you are visiting. You do not need a green card for driving in the countries listed above.

Travelling further afield

You’ll need to tell us if you’re taking your car to a country that isn’t listed above. You may need to prove that you have car insurance, not just at the border, but for example after an accident. You can get a Green Card if your insurer will cover you for that country, but you may have to pay a fee for this. Please call us on 0344 412 4684.

Longer trips and business travel abroad

Are you planning to take your car to Europe for more than 90 days? You should let us know in advance, so that we can tell you how much it will cost to get extra insurance cover. You should also let us know if you’re planning to use your car for business travel abroad. Please call us on 0344 412 4684.

Breakdown cover

Arrange breakdown cover before you go if you want real peace of mind while driving abroad. AA European Breakdown Cover has a 24-hour English-speaking telephone helpline for when you’re driving in Europe.


Named drivers #direct #claims

named driver no claims

Named Drivers

If you don’t own a car but regularly drive someone else’s – perhaps your partner’s, or maybe you borrow your mum’s every week – then you can have your name put on their car insurance . usually quite easily and cheaply. This means that you will become a named driver on that person’s car insurance policy and you will be legally covered to drive their car. Another driver can also be added to a policy on a temporary basis.

But what if you already have your own car that’s insured in your name? Is it okay for you to get behind the wheel of someone else’s? Chances are that you’ve driven a friend or relative’s car in the past, without actually checking whether you were insured to do so. Maybe you’ve split a long journey with another driver or you’ve had to use someone else’s car in an emergency, to drive them to hospital, for example.

Check whether you are insured

Many of us assume that because we have a comprehensive car insurance policy this means that we’re covered to drive another vehicle. It is wrong to assume this and it could be a costly mistake. You can be fined up to £5,000 and be given six to eight points on your driving licence if you drive without adequate car insurance. In some cases, you could be banned from driving altogether. In these instances, insurance companies can refuse to pay for damage to the car being driven.

If you have car insurance, you may be covered to drive a car that does not belong to you, with the owner’s permission, on a third-party basis. Third-party basis means that the insurance company will cover you legally if you kill or injure someone, damage their property or damage their car. This is referred to in car insurance policies as a ‘Drive Other Cars’ option. However, as not all car insurance companies offer this option, you must check your insurance certificate or check with the company before you drive someone else’s car. It is also worth noting that most companies insist that you are over the age of 25 to have the ‘Drive Other Cars’ option.

What if you want to test-drive a car you might buy? If you are test-driving a car from a dealer, then they will have insurance cover for this purpose.

Learner drivers

If you are a learner driver, then you must also check that you have the correct insurance cover before you get behind the wheel of another person’s car. And you must display L-plates anytime you are driving their car. You need to make sure that the car owner’s insurance covers you, which means that person adding you to their insurance policy as a named driver on a temporary basis (until you pass their test) or for a set period of time.

Finally, it’s always a good idea to familiarise yourself with a different car before you drive off. For example, if you’ve been used to driving an automatic car for a few years, you might find a manual gear system quite daunting. Give yourself the opportunity to get used to a strange car and its clutch and gears before taking it on the road. It’s always better to be safe than sorry.


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Car insurance

Can I compare quotes for my double cab pick-up?

Although double cabs, such as the Nissan Navara or Toyota HiLux, are often used as family vehicles, they are classed on our system as light commercial vehicles due to their dual purpose (business and social use). You can compare quotes for this type of vehicle by visiting our van insurance comparison, rather than our car insurance comparison

  • Should I accept my renewal price?

    Simply allowing your policy to roll on for another year may look like an attractive and easy option, but it could cost you dear. Comparison websites like mean that it has never been easier or quicker to check prices from a large range of insurers and against a background of rising premiums the savings can be substantial Scott Kelly, car insurance expert

  • What are the benefits of a comprehensive policy?

    Fully comprehensive insurance covers everything that third party fire and theft does, but the car will also be covered for any type of flood damage. In addition, drivers will normally be covered for windscreen cover, personal effects, accidental damage and medical expenses, too Scott Kelly, car insurance expert

  • Does my car insurance offer cover for flood damage?

    Drivers with third party only or third party fire and theft policies will not be covered for flood damage, but those with fully comprehensive policies may be. A third-party policy is sometimes cheaper than comprehensive cover, but it’s essential that drivers know exactly what is and isn’t included, especially if they’re at risk of flood damage Scott Kelly, car insurance expert

  • Have you got adequate cover for the contents of your car?

    The purpose of motor insurance is to give financial protection for your vehicle, not the stuff you keep inside it. Cover for personal belongings is typically limited to fully comprehensive policies and restricted to around £100. If you need to leave valuable items in your car, make sure they are out of sight and locked in the boot Scott Kelly, car insurance expert

  • Drivers warned of dangers of ‘fronting’

    Fronting is when a lower risk driver insures a vehicle in their name when the main driver is from a higher risk category. This could invalidate insurance and lead to a criminal record. There are legal ways to reduce premiums for young drivers. instead of fronting parents should consider adding themselves as a named driver on their offspring’s policy Scott Kelly, car insurance expert

  • What does the ECJ gender ruling mean for women drivers?

    The European Court of Justice’s gender ruling – in force from 21 December, 2012 – has meant that insurers can no longer make a gender distinction when calculating premiums. Amongst many changes, this has led to an increase in prices for young female drivers, who traditionally paid less than young men Sean Davies,

  • How can we help you with car insurance today?

    Our service lets you compare multiple insurance brands in one quick and easy search, and we provide much more than the price of the policy – we show you the levels of cover so that you can make a more informed decision.

    Need more information?

    To obtain a quote, fill out our simple-to-use forms with your basic personal details, plus information on the vehicle to be insured and the drivers you want on the policy.

    Be ready to input the number plate (if known), estimated car value and annual mileage, your length of no claims bonus, the type of use the vehicle will be put to, details of accidents and/or convictions in the last five years and of your occupation.

    To help narrow down your search you can choose your preferred level of voluntary excess, whether you want to protect your no claims bonus and if you’d prefer to pay annually or monthly, with the policy options available for comparison and customisation on our quotes screen.

    Whether you’re looking for comprehensive insurance, third party fire and theft, or third party only, and whether it’s for one car or multiple vehicles, our service makes it easy to find the product that you want, with the latest information from independent financial research and software company Defaqto available to ensure you know exactly what you’re getting from your purchase.

    Did you know.

    • In 2014, 65% of motorists didn’t switch their car insurance, potentially missing out on cheaper premiums [1]
    • The average UK motorist will own 26 cars and cover nearly 300,000 miles in their driving life [2]

    You can learn more about the difference between such policies in our car insurance guides, where you’ll also find the answers to frequently asked questions.

    Our guides offer more information on key areas such as telematics (black box) policies, and cover for women drivers, older motorists, modified and performance cars, young drivers, classic cars, and learner and new drivers.

    There’s also plenty to read on wider motoring and insurance issues, including vehicle security, flood cover, optional extras on your insurance, fronting, crash-for-cash, how quotes are calculated, claim rejections, how driving convictions impact on premiums and money-saving tips, and we can help you find the insurance group of your vehicle or of a potential purchase.

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    [1] Correct as of 11 August, 2016

    [2] Research commissioned by carried out with 2,011 UK adults in December 2014 by Vision Critical

    [3] Research commissioned by, carried out with 2,000 UK adults in May 2011 by OnePoll

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    Average rating 4.6 out of 5 for car insurance, from 2177 reviews left by customers (July 2016)

    † Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites Limited is authorised and regulated by the Financial Conduct Authority (FCA) for insurance mediation activity under firm reference number 465053. You may check this on the Financial Services Register by visiting the FCA website. Limited is registered in England and Wales (Company No. 5799376). Registered office: Imperial House, Imperial Way, Newport, Gwent, NP10 8UH, United Kingdom. Copyright 2006-2016 Ltd. All Rights Reserved.

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