Supplemental health insurance provides peace of mind in an uncertain medical climate. This type of policy pays out lump sum payments that help mitigate potential financial risk in specific scenarios like critical illness and accidents. Supplemental policies are meant to supplement, rather than replace, traditional health care plans. With affordable monthly premiums and fixed indemnity […]
Author Archives: Admin
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May
May
Basic motorcycle policies typically consist of at least liability coverage, while comprehensive or collision policies could help cover damage to your bike if an accident happens and are at fault. Track day insurance costs extra and usually has age and license type restrictions, with any speeding tickets or motoring offenses increasing your premium accordingly. Liability […]
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May
May
Assuming you gave permission for another person to drive your vehicle, their auto insurance should cover them under liability, personal injury protection and collision coverages. Note that extended family and roommates who will use your vehicle regularly should be included as drivers on your policy, or else they risk being excluded from coverage. Permissive Use […]
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May
May
Many individuals are confused as to whether they possess health insurance coverage. Your insurance card should tell you this information – usually including information like the enrollee name, member ID number and policy number. Each individual covered under their plan has their own policy number that can help medical providers quickly access relevant data. 1. […]
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May
Long-term care insurance premiums increase as you age, making it wiser to purchase early. Your marital status also has an effect on premiums. Individuals with sufficient assets and income may be able to purchase policies to cover some of their future care costs; those without this luxury must rely on state assistance programs like Medicaid. […]
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May
May
Though it can be alarming to find out the at-fault party does not carry insurance, don’t allow this fact to deter you from filing a claim. Instead, gather evidence to support your case that they lack coverage and take appropriate steps in your claim filing process. UM/UIM policies can be particularly important if you live […]
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May
May
Two types of insurance for health can be broadly classified as: group health insurance and retail health insurance. Group health insurance is a policyThis is a policy that an employer takes out for a group of employees to pay hospitalization costs. The policy covers one person or a family. The retail health insurance policyThe customer […]
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INSURED A person or corporation that contracts for insurance policies to protect him from loss or damage to his property, or in the case where he has a liability policy, defend him from any claim by a third party. NAMED INSURRED – A person, company, or firm that is specifically named as an insured in a policy. […]
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May
May
Do you wonder if the drying contractor who you worked with on your water damage claim really knows what they are doing? You can make sure that the drying contractors who work on your losses are knowledgeable by asking these questions. 1. Which extraction tool do your use? When? There are many types of extraction tools. The […]
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May
To have your claim evaluated by a Public Adjuster, call us! Public adjusters (PAs) are adjusters who assist insureds after a loss. They prepare and present the insurance claim. A PA provides valuable services to the insured. They consult with them on the options available to them in recovery. Public adjusters only work on property losses, […]