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... behalf of institutions, such as hospitals, some of which self-insure, that ar... Rand added that 3.9 million secured health insurance through the exchanges, 3...

Previously I covered strange insurance policies, so in this article I wanted to give you a overview of standard insurance policies.

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Across the nation, utility lines, tunnels, and structures run under our feet, Each year, excavators strike approximately 700,000 of these underground lines, often triggering potentially fatal accident (from steam, gas, propane, or electricity). A single strike might easily cost a contractor hundreds of thousands, or millions, if the accident leads to an interruption of service that shuts down a factory, hospital, telecommunication lines– even a missile silo. In most cases, insurance will not cover these losses. To deal with this threat, the Common Ground Alliance coordinates 811 --Call before You Dig, a nationwide phone and online system that contractors can use to notify local utilities so they can "mark out" their facilities before excavation of anything from to a sewer to a subway. These markouts are required under state law. When you use the call 811.com system, bear in mind that: It doesn't matter where you are - downtown, in the middle of a suburban street, or building a private home. Call even if you're confident that you know where something is buried (for example, if you installed the line); many contractors dig up lines that have just put in. Instead of marking the area with wooden stakes - which are all too easy to drive through gas lines - use white paint or "feathers;" even the most shallow excavation can be hazardous. Remember, failing to contact 811.com before every excavation violates the law - and leaves you wide open to huge liability losses. Don't take a chance your odds of losing in the Underground Damage Casino! To learn more, just get in touch with the Construction Insurance Specialists at our agency.

WATSONVILLE -- A 10-year-old Watsonville boy on a scooter was seriously injured Wednesday after he was struck by a driver of a Chrysler PT Cruiser in a crosswalk on Main Street. About 3:25 p.m., a 19-year-old Prunedale woman was driving a purple PT Cruiser north on Riverside Drive toward Main Street when she accelerated to try to make a yellow light, said Watsonville police Sgt. Brian Ridgway. A 10-year-old boy was riding a scooter behind his family in the crosswalk, and she struck him with the car, police said. The front bumper of the car hit the boy on his right side, and the boy was forced on to the hood and then the ground, Ridgway said. Officers were near the crash and treated the boy. He was taken by helicopter to a San Francisco Bay Area hospital where he was in critical condition Wednesday night, authorities said. The woman, whose name has not been released, has cooperated in the police investigation and has not been arrested. Alcohol use was not a factor in the crash, police said. "This investigation in ongoing," said Ridgway. Watsonville police ask anyone with information to call investigations at 831-768-3350 or leave an anonymous tip on the tipline at 831-728-3544 or by texting WATSPD to 888777. Content provided by http://www.santacruzsentinel.com/copsandcourts/ci_25337290/driver-collides-boy-scooter-watsonville