MiniCo brief video series: Customers Goods Legal Liability Coverage
Saturday, December 31st, 2011 at 5:25 am
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Automobile Insurance Liability Coverage
Saturday, December 24th, 2011 at 2:46 pm
www.01insurance.com Liability covers bodily injury and property damage (BI/PD). This covers your legal liability, up to the dollar limits you select, for damages caused to others in a covered vehicle accident. In most states today, liability insurance is mandatory. Under BI/PD, your insurance company pays for damages to an injured person and for property damage that you are legally obligated to pay as a result of an accident. If your policy covers you in the event you’re sued after an accident, your insurance company will pay for a lawyer to defend you. Liability limits generally appear as three numbers, for example, 25/50/25 or 100/300/100. The first number refers to the maximum amount, in thousands, that your insurance company is obligated to pay for bodily injury per person. The second number is the maxi-mum that would be paid out for bodily injury per claim and the third number represents the maxi-mum amount your insurance company is obligated to pay for property damage you cause. Save up to 35%, quick and easy on Auto Insurance — Click Link Below www.01insurance.com
Video Rating: 1 / 5
Commerical Umbrella Coverage
Thursday, December 22nd, 2011 at 9:51 am
Geoff Gordon, Representative of Andrew G. Gordon, Inc. Insurance & Risk Management For more relevant insurance information, or to get a quote, visit www.agordon.com
Video Rating: 0 / 5
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Video Rating: 4 / 5
Cutting Your Monthly Insurance Bill
Wednesday, January 19th, 2011 at 5:56 pm
With the way things are today, it has never been a better time to start saving some money on the things that you pay money for every month. One of these things is auto insurance. Here are a few tips to help you to save some money monthly.
The first thing to realize is that whenever you switch insurances, you can usually get a new customer discount. This means that switching insurance companies every year or two is going to help you to keep your rates low. This also is the case when you start to bundle things. For example, if you bundle your home with your auto insurance, you will have a much cheaper insurance premium.
The next biggest thing that truly determines how much you will pay is your driving record. If you have a clean driving record and have not gotten into many auto wrecks, you will have a much easier time finding auto insurance for a low, affordable rate. If you have a driving record that is bad, the insurance premiums will be quite a bit more and it will be harder to find a better rate.
Another thing that effects what you will pay on a premium, is the age that you are. For example, a teenager is harder to insure because they are new drivers and have a risk to get into a wreck. The magical age to start saving money is 25 years old. Once you are over 25 years old, it is much cheaper to drive.
If you have a home, or an apartment, simply adding a policy to your auto policy to protect these assets is a great way to save money as well. These bundling of services really give you a discount, so look into auto, life, and home packages.
Start saving money today on your auto insurance premium by following these easy to follow tips. Remember to drive safe, and to save some money!
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Auto Insurance Information – Car Coverage
Monday, November 1st, 2010 at 3:05 pm
(Best Syndication) Auto insurance is one of those requirements for driving a car, along with a valid driver’s license. Although indemnity obligations may vary, every state except New Hampshire requires some sort of policy before you can drive on public roads. In California, drivers may have their vehicle impounded if caught driving without the basic coverage.
Typically, drivers are required to cover the loss and damage to the other car. The obligatory policy protects the “third party” and the financial consequences of their loss, damage or injury caused by your vehicle. Most of the time it is optional to cover your own vehicle against damage. Of course the law may vary according to state, so check with your insurance broker to determine your minimum requirements.
There are a number of factors that determine the insurance rate. Age, driving record and type of car help underwriters calculate the risk to the insurance company and the premium amount. In some instances, the rates may be set by law.
When the premium is not set by the government, insurance companies usually determine the rate from the calculations of an actuary based on statistical data. Since women get in fewer accidents, their cost of coverage may be lower. But if the woman drives long distances to work, this may adjust the rate upward.
Liability insurance covers claims against the specified car owner and those who may drive the car. The coverage may exclude others at the policy holder’s address unless they are added to the policy. The coverage may be car-specific and may not cover the holder if he or she drives another car. Check with your insurance agent before you choose your plan.
The policy will spell out the maximum liability to be paid in the event of an accident. The owner may be liable for ancillary damages caused by the accident. For instance, if the driver hits a power pole, the insurance will pay for the pole but not the loss-of-service claims.
Some policies will cover the owner in a rental car while others may not. When in doubt, you may want to pay the rental company for the coverage when you rent a car. It may be worth the peace of mind.
Collision insurance will cover damages to your car in the event of an accident and it is your fault. When a vehicle is not worth the deductible, it is usually not practical to get this coverage. For instance; if your car is only worth $700 and you have a $1,000 deductible, the company won’t pay you anything if you are involved in an accident.
Comprehensive will cover your damages even if you are not involved in an accident. For instance, if your stereo is stolen, this policy may pay for a replacement. If your car catches on fire or is damaged in a hail storm, you may be covered.
But what if you are hit by someone who does not have insurance? You can get Uninsured/Underinsured coverage (also known as UM/UIM) that will pay you if the other party is at fault and does not have insurance. If the other party does not have enough coverage, this coverage may kick in and pay the difference.
You may be able to get rental coverage with your policy. This will cover rental expenses in the event that your car needs to go into the shop for a covered loss.
Policies can also be purchased to pay off the lease or the loan on the car in the event that your car is totaled. Sometimes referred to as GAP insurance, the policy is practical if you buy a new car.
When a new car is driven off the lot it loses value. Your loan may be worth $40,000 while your car immediately becomes valued at $35,000. If you are involved in an accident soon after your purchase, you could be liable for that extra $5,000. GAP insurance will pay that difference.
There are various types of towing insurance policies. Some policies require you to pay for the towing cost up front and then submit an application for reimbursement. Triple A (AAA) offers great Roadside Assistance coverage because there is no out of pocket expenses.
There is no single policy that fits everyone. Compare the policies and the various options to determine which one is right for you.
Duration : 0:4:37
Auto/Car Insurance Coverage Laws Explained – New York State
Friday, July 2nd, 2010 at 6:56 am
*New York State Auto/Car Insurance Coverage Laws Explained
We have two types of insurance in New York State required of every motor vehicle. One deals with no fault insurance, which pays for medical benefits, lost wages, and some out of pocket expenses, regardless of fault. The other is liability insurance and they are not the same.
What I want to urge each of you, is that you cover yourself as well as someone who is involved in a car accident with you. And by that I mean, if you carry $100,000 worth of liability insurance, your protecting me, if you hit me with your car.
If you get into a collision with another car, and you only have $25,0000 worth of underinsurance coverage, then you’re protecting yourself only to the extent of $25,000. It pays for you to make certain that your underinsurance rates are as high as your regular insurance coverage. The cost is minimal and the protection is priceless.
Now with no-fault insurance your medical expenses are paid. Within 30 days of the auto accident, you are required to notify your insurance company that you have been involved in a automobile accident. They will assign a claim number to your case. You will give that claim number to any treating doctor/physician or any other medical provider and they will bill your insurance company directly regardless who is at fault in this car accident. Your insurance company will submit you to a physical examination by a doctor of their own choosing in about 30 days after you start receiving benefits.
That doctor is not there to help you, that doctor is not there to cure your illness, that doctor is there to report to your insurance company on the progress of your healing. He works for the insurance company, not you.
*What To Do After a Car Accident
If you have been injured in an accident visit our site to determine the steps to follow after a car accident http://www.stephanpeskin.com/CM/Custom/CarAccident.asp and/or download our “Accident Report Card” PDF http://www.stephanpeskin.com/CM/Custom/accidentreportcard.pdf
Call us toll-free at 877.298.3201 to schedule your free consultation with an experienced New York City personal injury/car accident lawyer.
For your convenience, we offer home and hospital visits. Our attorney and staff can provide you with the immediate attention you need to secure your rights and claims. Call today.
The New York City (NYC) personal injury law firm of Tolmage, Peskin, Harris & Falick represents clients in all five boroughs of New York (NY): Manhattan/New York County, Staten Island, Queens, Brooklyn/Kings County and the Bronx, as well as Suffolk County, Nassau County/Long Island, Westchester County, Rockland County, Harlem and throughout the State of New York.
Duration : 0:2:20