Insurance
How does vacation insurance work?
Vacation insurance works to provide coverage for unexpected or unforeseen events during a vacation. Typically, this type of policy will cover costs associated with cancellations due to illness or injury, travel delays or interruptions, medical expenses incurred while travelling and lost baggage. The exact coverage provided by a vacation insurance policy will vary depending on…
Can anyone drive my car under my insurance?
No, in most cases you cannot drive someone else’s car and have it be covered by your own insurance policy. Generally, when you purchase car insurance coverage, it is specifically for the vehicles listed on the policy and the drivers specified. If someone other than the named insured drives your vehicle and is involved in…
Does liability insurance cover windshield replacement?
Yes, liability insurance typically covers windshield replacement. This type of coverage helps protect the policyholder from financial losses resulting from damage to their vehicle and other people’s property caused by a covered event. Depending on the specific policy, it may provide reimbursement for repair or replacement costs associated with damaged windshields. If there is an…
Is it worth getting an umbrella insurance policy?
Yes, it is worth getting an umbrella insurance policy. This type of policy can provide additional financial protection beyond the limits of a regular homeowner’s or auto insurance policy. An umbrella policy may cover damages such as personal injury and property damage liability, libel and slander, false arrest, invasion of privacy, and more. It can…
How can I obtain insurance if I am self-employed?
Self-employed individuals may obtain insurance through a number of methods. The first option is to purchase an individual health insurance policy from a private insurer. These policies can be tailored to fit the specific needs and budget of the self-employed person. Another option is to seek out coverage through government programs such as Medicaid or…
Does insurance cover the shingles shot?
Yes, insurance generally covers the shingles shot. Most major health insurance providers cover it under the routine immunization section of their policy. However, there may be some co-pays or deductibles depending on a person’s specific plan and provider. It is important to check with an individual’s insurance carrier to find out what is covered and…
What type of breast pump does insurance cover?
Insurance coverage for breast pumps varies based on the specific provider and insurance plan. Generally, most health insurance plans will cover manual or electric double breast pump systems, but may have restrictions on when they are eligible to be purchased. Insurance coverage can also include additional accessories such as collection kits and tubing. It is…
Why did my State Farm homeowners insurance go up?
State Farm homeowners insurance premiums may increase due to a variety of factors. These can include an overall rise in the cost of living, inflation, new claims history for your home or area and changes in your policy that increase coverage levels. Annual reassessments of risk and pricing models by State Farm could lead to…
How does replacement cost insurance work?
Replacement Cost Insurance is an insurance policy that provides coverage for the cost to repair or replace property without any deduction for depreciation. This type of insurance pays out the current market value of damaged items rather than their original price. Replacement cost policies typically have higher premiums than standard cash-value policies, but offer greater…
Will insurance replace the windshield?
Yes, insurance may replace a windshield depending on the coverage. Comprehensive auto insurance policies typically cover damage to your car from incidents such as theft, vandalism, or hitting an animal. If the cause of the windshield damage falls under one of these categories, you may be able to get a replacement through your policy. Depending…
How can I pay for health insurance before the age of 65?
One option to pay for health insurance before the age of 65 is to purchase an individual plan on the health insurance marketplace. The Marketplace offers a variety of plans with different levels of coverage and cost, so individuals can find a plan that fits their budget and meets their medical needs. Some employers may…
Who is the insured under a workers’ compensation policy?
The insured under a workers’ compensation policy is the employer. This insurance coverage helps to protect employers by providing financial protection in cases where an employee becomes injured or ill due to work-related activities. It ensures that the employer can cover medical expenses, rehabilitation costs, and any lost wages associated with the illness or injury…