Health Insurance for a Test Ride?
Health insurance is a big purchase, and as is the case with most big purchases, understanding exactly what it is that you’ve purchased is important. To help customers avoid buyer’s remorse, health insurance policies are required to offer a free-look period. If at any time during this period you find that you’re dissatisfied with your policy, you can cancel it and get your money back.
When Is the Free-Look Period Available?
In most cases, full health insurance coverage is an annual contract, and policyholders renew their contract every year. Free-look is only applicable to the first time you purchase that policy and is not available after you renew an existing policy. It kicks in when you receive your policy documents, ensuring that you have ample time to review everything and ensure that the policy you’ve chosen will meet your needs. Most are 10 days to review your policy for satisfaction.
It’s important to note that the free-look requirement is only applicable on health insurance policies that have terms of at least 3 years. Shorter-duration plans that are given for less than a year are not subject to the free-look rule. All ACA plans do have the free look period, with or without a government subsidy.
Understanding Your Health Insurance with Nevada Insurance Enrollment
Health insurance can be complicated, as there are numerous types of plans available. Free-look is an important feature that gives you the opportunity to review your policy and make sure that you understand what it covers. A Nevada Insurance Enrollment health insurance agent can review your policy with you and help you purchase health insurance with confidence.
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Does Auto Insurance Cover Riots?
No one wants to be victims of property damage resulting from rioting, and fortunately, auto insurance companies already have provisions for this risk in their coverage options. In fact, there is no need to purchase separate riot, vandalism and civil commotion coverage; if you have comprehensive auto insurance, you most likely have this coverage.
Various Tips to Protect and Maintain Your Car
According to Live Science, after being parked in the sun on a 95-degree day for an hour, the inside of a car hits an average of 116 degrees. The dashboard gets even hotter at 157 degrees, the surface of the steering wheel reaches an average of 127 degrees and the seats are a searing 123 degrees on average.
Why You Should Avoid a Lapse in Auto Insurance Coverage
n Nevada, auto insurance companies notify the Department of Motor Vehicles when you drop your auto insurance policy. If you have a lapse in your auto insurance coverage, even 1 day, it will be noted on your driving record. When this happens, you may be faced with a $250 dollar fine that will go up over time, and you can have your license suspended until you have auto insurance coverage again.
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Recent Posts
Auto Insurance Scams – How To Avoid Being Victimized
If you feel like you are victim of an insurance scam accident, first thing to do is call 911. Take pictures of the other passengers and make note of who is in the car at the time of the accident. Take pictures of the damage and who was driving and note exactly what happened, along with getting all license plate numbers involved.
Auto Insurance and Your Custom Car Audio System
Many drivers would not even consider looking into insurance coverage on an after-market audio system. There are a few things to consider, however. Is it covered by your auto insurance?
Your Auto Insurance and the “Hit and Run”
If your car was hit by someone and they do the legal/right thing by admitting it and paying for it, all is well. The “at fault” driver’s insurance will cover it under their property damage portion of their insurance for your car to be fixed. In the case that someone hits your beautiful new car while you are in the store and drives away, what do you do?
At Fault – If You Caused an Auto Accident
The responsibility of who pays what in Nevada is contingent on who’s at-fault in an auto accident. All drivers in Nevada have an obligation to drive their automobiles safely to reduce any risks of potential accidents. In Nevada, if you are the at-fault driver (the person that caused the accident), then you are responsible to “make whole” the individual or property you hit.