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Most drivers who have an auto insurance policy with collision and comprehensive coverage, decent health insurance, and homeowners or renters’ insurance can save their money by foregoing additional rental coverage.
This also applies to damage that occurs after the accident. While you may consider the damage from the accident and the damage from the tow truck to be all one incident, your insurer will view it differently.
If your friend was hit by an insured driver, the process will be simple enough. The at-fault driver will file a claim with their insurance company, who will pay to get your vehicle back to pre-accident condition. If the collision was bad enough to cause an injury, the at-fault driver’s auto insurance could also cover medical bills, lost wages and any other expenses associated with the accident.
Generally speaking, anyone who lives with you that has a drivers license – whether they’re a member of your family or not – is considered by your insurer to be a member of your household. College students away from home without a vehicle aren’t required to be on a policy, and could be a “permissive” driver.
If your auto insurance policy has comprehensive coverage, then you will be financially compensated for your stolen vehicle.
One thing that many people are surprised to see impact their insurance premium, is their marital status. Generally speaking, married people spend less than singletons on their auto insurance, even when all other factors are the same. Simply put, married couples pay less.
Liability coverage helps cover the costs of any bodily injuries or property damage that results from a collision that you caused (when you are at fault). This type of insurance exclusively covers the damages done to the driver that you hit; it does not cover any repairs to your own vehicle, nor can it be used for your own medical bills or lost wages.
Other structures coverage pays for damages to structures other than your house. This is part of a standard homeowners insurance policy, providing valuable coverage in the event of a covered loss.
If you enjoy off-roading, it is important to ensure that your auto insurance provides the right type of coverage. Understanding your policy can help you make informed decisions and save money in the event of an off-road accident.
Boat insurance provides coverage for various types of damage that you may otherwise be financially responsible for. Property coverage pays for damage to the boat due to incidents such as accidents, sinking, theft, vandalism or weather damage.
A standard homeowners insurance policy covers sudden and accidental water damage that comes from inside your home, such as a burst pipe or broken appliance. It also covers water damage that results from rainwater coming in through an opening caused by a named peril.
While vehicles are safer than ever and roadways are engineered to prevent accidents, the fact is that traffic fatalities claim thousands of lives per year. Despite arguments that the majority of posted speed limits are outdated, and unrealistic, numerous crash tests show that higher speeds greatly increase a driver’s risk of serious injury or even death.
Life happens, and while you should make every effort to pay your health insurance premium on time, health insurance plans generally will have grace periods. You may have a grace period of 30 days, or if your insurance plan is through Nevada Health Link (on-exchange), it may be up to 90 days.
There are distinct differences between hospital emergency rooms and traditional urgent care centers, including the level of care that can be provided at each location.
Insurance agents are licensed professionals who specialize in connecting people with the insurance policies that are right for them. They help the customers understand their coverage by studying all the insurance company’s policies and procedures.
A major medical health insurance plan is a comprehensive medical plan that can help you pay for doctor’s visits, hospitalization, and prescription drugs if you should become sick or injured.
Life happens, and while you should make every effort to pay your health insurance premium on time, health insurance plans generally will have grace periods. You may have a grace period of 30 days, or if your insurance plan is through Nevada Health Link (on-exchange), it may be up to 90 days.
There are distinct differences between hospital emergency rooms and traditional urgent care centers, including the level of care that can be provided at each location.
Insurance agents are licensed professionals who specialize in connecting people with the insurance policies that are right for them. They help the customers understand their coverage by studying all the insurance company’s policies and procedures.
A major medical health insurance plan is a comprehensive medical plan that can help you pay for doctor’s visits, hospitalization, and prescription drugs if you should become sick or injured.