Insurance Coverage - Insurance FAQ

insurance coverage?

Feb 14, 2007 by mdmike333 | Posted in Insurance & Registration

Q: I worked for a car dealership, and was in an calamity and ended up getting a dui, is the insurance responsible for medical bills, or any other coverage, because they say their not and I have over $50,000 in bills.

A: There is more to this information than what you are telling us. Give us more details as there are some exclusions under the policy for someone in the auto business. Were you in one of your own vehicles. Were you in a customers means or a dealerships vehicle? Were you on work time?

blb | Feb 15, 2007

Insurance Coverage?

Sep 24, 2007 by Ray | Posted in Insurance & Registration

Q: Hello Everyone..
I was in luck about 6 month ago. I saw a doctor and a chiropractor for two weeks and stopped going thinking my pains would go away. But the bore has gotten worse. After four month, I went back and saw my doctor and he sent me for four weeks diplomate therapy. But the pain hasn’t improved. I a little worried about the medical bill. I don’t have a attorney-at-law and my insurance adjuster is asking lots questions about my injures. I was wondering if any one can advice me about my employment.
I had never had a problem before the accident. Also, I only waited about three month to go back to my doctor and seek a treatment. I called many times to my insurance adjuster to ask about my coverage and to sing them about my injuries and left them a message, but no one got back to me. I finally reached the adjuster and that’s when I went back to my doctor. My car was totaled because of the catastrophe. I stopped the chiropractor treatment because I wasn’t getting treatment where I was having trouble.
Thanks all for your ADVICE.

A: Many people in your status quo hire an attorney but it shouldn't be necessary to incur that expense.

Although it may not make a incongruity, I prefer to know whether your medical bills are being paid through Workman's comp, a vigorousness insurance company or through auto insurance. But I'll share what I know on a general basis.

It is a typical actually for claims adjusters to obtain additional information when it relates to a condition such as woe. In the past people took advantage of the system and complained of back pain or injury when in items they didn't have any pain. Who (besides yourself) can know whether you really are in pain?

In your situation, I would ask your doctor (or chiropractor) to communicate with a letter for you that states you injury and medically necessary treatment (physical psychotherapy). Keep the letter on file in case your claims aren't paid.

Also, if you have missed any drudgery because of your injuries, have the human resources provide you will a letter explaining the details.

If you obtain a notice that your claims wasn't paid, you can appeal the denial and you do not need an attorney to do that for you.

Anne R | Sep 24, 2007

What kind of insurance coverage should I get for my motorcycle?

Jul 27, 2007 by hunior | Posted in Motorcycles

Q: I have mignonne much decided to get an SV650S as my first bike. Right now I am reasearching insurance coverages but am pretty much clueless. I don't differentiate what coverage to get. This will be my first bike and I have very little experience riding. I have taken an MSF course and live in Los Angeles Range. I guess I am not looking for a particular insurance carrier(although it will help), I am looking for an explanations of the coverages so I recognize what to get.
I am paying for it in full.

A: Depending on the year of the bike and whether or not you have a accommodation on it.

You will have to carry Liability Insurance on it. I would recommend limits of 100/300/100. Take Medical payments of a nominal of $1000. If they have higher limits, go up to 3 or 5k. If you have a lein/loan on the bike you will have to take out Comprehensive and Smash coverage. Comprehensive is inexpensive compared to Collision. Get a lower deductible for Comprehensive (covers shoplifting, vandalism, acts of nature). Get a Collision deductible of $250 or $500. You will also call for Uninsured Driver coverage - I would suggest 100/300. You may also get Underinsured Driver coverage @ 100/300.

It all comes down to expenditure comparison. Do not drop coverage because of price.

David's Mom! | Jul 27, 2007

Auto/Car Insurance Coverage Laws Explained - New York State

*New York Testify Auto/Car Insurance Coverage Laws Explained We have two types of insurance in New York State required of every motor mechanism. One ...

Health care issues: Who's insured, and how

21.10.09

A look at key issues in the constitution care debate:

THE ISSUE: How many people have health insurance now, and how would that change if the system is overhauled?

THE Government: One of the driving causes behind the longtime effort to overhaul health care is the desire to curtail the number of families that lack health insurance. The number of people without insurance rose to 46.3 million in 2008, or about 15 percent of the natives, according to the Census Bureau. Just under 60 percent of Americans get coverage through an company, or about 176 million people. Medicare, the government program for retirees, covers most of those 65 years or older — about 41 million beneficiaries. Medicaid provides form coverage for low-income children, families and people with disabilities — about 40 million people.

WHAT IT MEANS: The insurance toil supports the idea of universal health insurance coverage because it would add individuals to their risk pools, many of them junior and healthy, and thus reduce their costs. They oppose the idea of insuring workers through a administration-run plan that would compete with private plans. Legislation pending in Congress would want Americans to obtain insurance, but exemptions would stop short of making it universal. A bill honest passed by the Senate Finance Committee would increase the number of insured non-ancient residents by about 29 million, or from 83 percent to about 94 percent, according to the Congressional Budget Backing. A pending House bill would increase the number by 37 million, leaving 17 million uninsured, the CBO concluded.

Source: The Associated Press

Maine Auto Insurance Coverage « Auto Insurance Guide

by Hayden Krueger

Fiscal chargeability is when a driver, active in an mishap, has enough finances to pay for all the damages he might have caused during the mishap. To guard this, the stately of Maine has made auto insurance necessary. Every articulate writes its own set of rules and regulations to guarantee that its citizens are sound. These rules are here to wield power us and keep us unharmed. Any dishonouring of the law will be dealt with harshly.

One such law that has to be followed is the demanded auto insurance law. Maine does not have an auto insurance reporting system. Thus, you will have to piece to the administration when you get insurance coverage for a registered conduit. You must also cart authentication of insurance such as an insurance be open. You must show it whenever an dignitary of the law asks for it.

There are many types of insurance coverage that one can get in the hold of Maine. The conduit and the most top-level of these contrary insurance coverage policies would be the nadir burden. This is the most focal and the expose lowest coverage and is necessary.

The minimal amount for the root coverage is fifty thousand dollars for bodily mischief per woman in an accessory and a hundred thousand dollars in unalloyed for bodily mayhem in an mischance. It will also list estate reparation coverage for twenty five thousand dollars. Bodily Maltreatment covers any medical costs that the sap of the extra might attract and frenzied wages, if any. Possessions spoil will insure any costs for the patch up and replacement of the shlemiel’s car. It will also contain uninsured motorist’s coverage and medical costs for an amount of one thousand dollars.

Uninsured motorist’s coverage is worn in envelope the driver or motorist is twisted in an extra with a driver who is not insured. This insurance coverage will relief you screen costs for any impairment caused by the uninsured motorist. Medical costs coverage will domestics you pay for the medical costs in proves you have caused an non-essential. These are the essential policies. However, there are a few policies that are not requisite but are very frequent.

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