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PIP insurance in New York covers medical bills, partial reimbursement of lost wages and property damage; however, insurance companies may deny a personal injury claim for various reasons. Denials could result from unclear policy language; in such instances it would be wise to consult an attorney. Policy Exclusions Policy exclusions are designed to limit coverage […]

Comprehensive car insurance claims cover damage caused by events other than collision with another vehicle or object (covered by collision coverage). Examples include theft, vandalism and natural disasters. As with collision coverage, comprehensive car insurance comes with its own set of deductibles – this amount represents what must be paid before any claims payment can […]

Homeowners insurance is an absolute necessity when owning a home. Most mortgage companies require it, while cash buyers should still consider purchasing coverage. Consumers looking for insurance policies should prioritize cost and reputation when making their selection. Policygenius makes this easier by providing homeowners with a list of the top insurers along with average costs […]

Insurance is an immense industry that encompasses numerous occupations. From acting as an actuary to helping clients select an appropriate policy, there’s sure to be something here that matches your professional interests and qualifications. If you’re interviewing for an insurance position, make sure that your customer service experience stands out. After all, much of insurance […]

An accident can leave serious injuries that require costly medical treatment and aren’t covered by health insurance, necessitating you to spend extra money unplanned for. When an accident strikes, an accident policy might be worth exploring as a means of protection. But just what will it cost and how does it work? Continue reading below […]

No matter if you’re an amateur photographer or professional, equipment can be expensive – protecting it with an insurance policy can provide peace of mind. Accidents happen, such as when you trip on your tethering cable while shooting at a wedding and damage all your equipment. A camera equipment protection plan typically offers both general […]

Before the Affordable Care Act (ACA), most young adults were typically dropped from their parents’ health insurance plans shortly after turning 26 – something which presented real issues for those relying on accessing coverage. Federal and some state laws permit dependents of parents who provide health coverage until age 26 (or for disabilities that prevent […]

Elevation Certificates (ECs) can help your client take steps that reduce flood risk while complying with local floodplain management ordinances, while potentially leading to lower insurance rates and premiums. Before hiring an engineer or surveyor to perform a flood elevation certificate, check with your local floodplain manager first. Your community may already have an EC […]

Homeowners in high-risk areas should purchase flood insurance as an essential step towards becoming homeowners, with lenders often mandating that these individuals obtain coverage through the National Flood Insurance Program (NFIP) before being approved for federally regulated loans. NerdWallet walks you through both types of policies offered by NFIP: building and contents coverage. Our guide […]

If you are considering purchasing whole life insurance, it’s essential that you understand how dividends work. Dividends represent a portion of a company’s profits that is paid back out as dividends to policyholders. Life insurance dividends, unlike cash value earnings, typically don’t incur taxes and you may choose between applying it toward premium reduction or […]