Return Of Premium
Many companies offer a return of premium option at an additional cost...
Insurance
Restoration Of Benefits
Many policies have specific dollar maximums after which benefits are no longer payable...
Renewability
The provision of the policy, usually stated on the first page, that sets forth its term of coverage...
Incontestability
A provision in which your insurance company cannot contest your contract after it has been in force for a specified period of time...
Bed Reservation Benefit
Should you become hospitalized during a stay in a nursing home or assisted care facility, some policies will continue to pay benefits (for a period such as 21 days) to cover charges to reserve your ac...
What Is The Difference Between Benefits Paid On The Reimbursement Method And The Indemnity Method?
Under the indemnity method, once you are eligible to receive benefits, the company will pay you the amount specified in the policy, regardless of the cost of service...
Who is eligible for a business owner’s policy (BOP)?
Small businesses with up to 100 employees and revenues of up to a about $1 million are candidates for a BOP...
How the Type of Business Effects the Insurance Policy
See how your need for business insurance will vary depending on the type of company you operate. ...
How Much Business Insurance Do I Need?
Calculate how much business insurance your company needs, and get the right plan for your operation....
How is the Cost of Business Insurance Determined?
See how the cost of business insurance is calculated, and find ways you can save money on a policy....
Do I need liability insurance?
Basic liability coverages such as provided in business owners' policies may be adequate in many cases, But if you are in a business or profession where there is an especially high risk of lawsuits (...
Do I Need Computer and Data Insurance for My Business?
See how computer and data insurance can help protect the information critical to your business....
Business Insurance and Risk Management: What to Know Before You Buy a Policy
Learn about business insurance plans, and find out how you can effectively shop for a policy that manages your company's risks....
What Is The Difference Between “Split-Limit” Liability Car Coverage And “Single-Limit” Liability Car Coverage?
Split-limit coverage uses three numbers to specify the limits for: bodily injury liability, and property damage liability. The single-limit coverage gives one number that is the maximum coverage for ...
Does The Company Have To Provide Me With An Explanation For Denying A Claim?
Yes You are entitled to know why your claim is denied so that you can make an intelligent decision about accepting or challenging the denial...
My State Has A Comparative Negligence Law. How Does That Work? Who Decides How Much I Was At Fault?
The fault for an accident is not always placed squarely on one participant; one party is not necessarily held totally at fault and the other totally blameless. ...
Our Twins Started Driving. We Bought A Car For Them To Share, But The Insurance Company Says We Can’t List Both Of Them On the One Car. Why?
If there is more than 1 young driver in the household, each must be assigned to a car. If there are more drivers than cars, you can say that one of the young drivers is an occasional operator of a ca...
I Am A Single Parent With A Full-Time Job Outside The Home. I Have Hired A Live In Au Pair/Nanny To Drive The Children To Their Various Activities And Run Errands. Does She Have To Be Added To My Auto Policy? Can She Drive Using Her Own Country’s License?
If your au pair drives your car on a regular basis, you do need to add her to your auto insurance policy. It is recommended that she obtain a US license, but if she is only here for the summer or sea...
I Am Deaf. Can I Still Get Car Insurance?
A person with a hearing loss or impairment can buy auto insurance just as hearing people. ...
What Is The Liquidation Phase Of An Annuity?
The liquidation phase is when the insurance company makes payments to the annuitant...
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