Property, Casualty and Liability Insurance
Lawsuits; What Every Driver Needs to Know Sep 8, 2008
Legal battles often bring new meaning to the word stress. Knowing what to expect is half the battle of getting through the process. Although you may be one of the fortunate few who've never been a party to a lawsuit, that could change. Should you find yourself in this position, here are a few things you'll want to know.
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Liability Coverage under Your Personal Auto Insurance Policy Sep 8, 2008
Potential liability claims are probably a big concern for you as a car owner. Consider the claims that might be brought against you for bodily injury or property damage (or both) resulting from a car accident. Adequate liability insurance coverage can protect you from the financial burdens associated with such claims.
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Medical Payments Coverage Sep 8, 2008
If you're like most vehicle owners, you're concerned about who will pay your medical bills if you're injured in an accident. If you have a personal auto policy, the medical payments portion of your policy pays the medical expenses incurred (up to set limits) when you or other people insured under your policy (e.g., family members) are injured in a car accident. Medical payments coverage also extends to people not insured under your policy if they're injured while they're passengers in your car.
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Mold; Are You Covered? Sep 8, 2008
"Deadly mold invades home!" While this may sound like something out of a horror movie, many homeowners are concerned about health risks associated with infestations of toxic mold. And the insurance industry isn't taking the mold issue lightly either. Some insurers are excluding or limiting coverage, raising premiums, or even refusing to write policies in areas at high risk for mold-related claims.
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No-Fault Insurance Sep 8, 2008
In most states, insurance companies make payments based on each person's degree of fault in a particular motor vehicle accident. However, other states have adopted some form of a no-fault system of insurance. To find out whether your state operates under a no-fault system, read your auto insurance policy (Personal Injury Protection is often the heading for the part of a policy that provides no-fault coverage), or consult your insurance agent.
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Policy Options Sep 8, 2008
Did you know that you can tailor your personal auto policy coverage to your specific needs? Aside from any state-required minimum liability limits and from any requirements of a lender concerning coverage on the car itself, you can select the type and amounts of coverage you'd like and can afford. Here are some tips to help you choose the right policy for your situation.
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