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You are likely hearing the adds on t.v. by a few insurance companies talking about putting all of your insurance with them: homeowner, auto, etc. If you are not familiar with this method, you might want to check into it. The word “combining” may be a little misleading. You still have an auto-specific policy and a homeowner-specific . . . → Read More: Combining Insurance Polices – What to Expect Are you reading about “crash fees”? Do you know what they are? Basically, various municipalities in various states are having difficulty in these hard economic times to run their services and are implementing “crash fees” to be charged to drivers involved in auto accidents requiring police and other services at the scene. These fees for auto . . . → Read More: Crash Fees – What Are They? Have you ever had an auto accident? If so, you know how very un-fun it is – even if it is a minor fender-bender – it puts you all out of sorts…and it tends to be even more irritating if someone else is to blame. Wherever you were going at the time is interfered with…the next . . . → Read More: Things To Do After An Auto Accident In Part I of “How to File An Insurance Claim”, we addressed the process and your obligations in general terms. The most common insurance claims you will experience – other than health – are for auto and homeowners so we discuss these two in a bit more detail. Let’s start with auto. Remember to be the intelligent . . . → Read More: How To File An Insurance Claim – Part II Filing an insurance claim can be trying. It is a long process and requires your full cooperation. You don’t just call the company up and tell them you have a claim then sit back while they take care of it. You may recall in our post about how to read your policy there was mention of . . . → Read More: How To File an Insurance Claim – Part I There is no one who doesn’t gripe about insurance rates – whether it be for life, health, auto, homeowner…you name it. We all want the best for not very much. We also should shop around, if we have that option, to get the best price for the coverage we need, shopping only stable insurance companies, preferably. . . . → Read More: Insurance Premium Rates – Our Behavior or Tables Stats? Medical Payments Coverage (Med Pay) and Personal Injury Protection Coverage (PIP) are first party coverages, applying to the insured, the insured passengers and sometimes others. Med Pay is found in states that do not have No Fault laws in effect and PIP is found in states that do have No Fault laws in effect. Med Pay will . . . → Read More: Auto Insurance Medical Payments and Personal Injury Protection Uninsured Motorist coverage may or may not be an optional coverage in your state. If it is optional, your state insurance regulations may require that you sign an affidavit for your company rejecting the coverage that is kept in your policy file. What is Uninsured Motorist coverage? Well, it tends to be self-explanatory to some degree. Very . . . → Read More: Auto Insurance – Uninsured and Underinsured Motorist Coverage  2 comments  Auto Insurance, First Party Coverage, Insurance Coverages, Liability Coverage, The Insurance Policy  Auto Insurance, Insurance Policies, UIM, UM, UMBI, UMPD, Underinsured Motorist Coverage, Uninsured Motorist Bodily Injury Coverage, Uninsured Motorist Coverage, Uninsured Motorist Property Damage Coverage Comprehensive coverage, more commonly known these days as “Other Than Collision”, is a first party coverage (for your vehicle) that many people don’t think about very much until they have a need for it. Insurance companies tend to call this coverage “Other Than Collision” anymore because it better describes what it does. Your more common types of . . . → Read More: Auto Insurance – Comprehensive, aka Other Than Collision We’ve talked about insurance coverage on your policy for the other guy. What about for you? There are a number of coverages available to you but let’s start with the two most people know about: Collision and Comprehensive (the latter also called “Other Than Collision”). If your vehicle is financed, these coverages are mandatory. Further, your . . . → Read More: Automobile Insurance – Collision Coverage |
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