Insurance Claim, Insurance Policy

Your liability policy often refers to an “occurrence.” The ISO BOP (1) defines an “occurrence” as “an accident, including continuous or repeated exposure to substantially the same harmful conditions.” An accident is an event that causes injury to the body, property, person or reputation of a third party whom you did not intend to injure. (The designation “third party” means a party other than you or the insurer.

Homeowner Insurance, Insurance Policy

You've been searching for the perfect house for months. Finally, you find the one. After your offer is accepted and a small mountain of paperwork is signed, it's yours. What are you going to do next?If you're smart, before you pack a single box, you will make sure your home insurance has you covered for whatever life might have in store. While your mortgage lender likely requires you to carry some level of home insurance, don't assume that amount will protect you from financial disaster.

Liability Insurance , Glossary of Insurance

All businesses in today’s litigious society are at risk of a general liability claim, but some businesses face greater risks than others. A few examples include insurance companies that operate heavy machinery, serve food or beverages, make products that are consumed, make toys or exercise equipment, rent  insurance property or vehicles, or have drivers or delivery people on the road. But even if you’re a bookkeeper, you could be sued if a client is injured while on your premises.

Insurance Claim, Insurance Policy

On Friday the 19th of june my truck was stolen in Jackson Mississippi at which time i called my State farm  insurance agent when she answered the phone she sounded like she was bored and after i told her what had happened she ask "do you want to file a claim " to which i answered well yes so she said ok and hung up the phone never asking if i was ok or if i needed anything or if she could help so i was left stranded in jackson Mississippi which is about 90 miles to my insurance  home.

Business Liability Insurance, Insurance Covarage

Actions of Civil Authorities – Sometimes physical damage to property other than your own leads the police or other civil authorities to prevent you from having access to your own premises. If the loss at the other property is due to a cause covered by your insurance  policy, then the insurer will pay for your actual loss of business income and any necessary extra expense caused by the action of civil authorities.

Earthquake Isurancec, Insurance Protection

Horrific earthquakes in Japan, New Zealand, Chile and Haiti in recent years have left many Americans wondering if their home insurance policies would cover them in the aftermath of a major temblor.The short answer is that property damage caused by the shaking movement of the earth is not covered by a standard homeowners insurance policy, although some subsequent damage may be eligible for coverage

Car Insurance Claim, Auto Insurance

Liability coverage protects you if you (or another person driving your car with your permission) injure or kill someone or damage property.For example, let's say you run a red light, strike another car and injure the driver. Your liability coverage obliges the company to defend you - in court, if necessary - and pay claims to the other driver for vehicle insurance  damage and bodily injuries, including medical and hospital costs, rehabilitation, nursing care, and possibly lost income and money for pain and suffering.

Business Interruption Insurance Quotes, Insurance Infornation

A number of events that can cause property loss are not covered by the basic BOP. Some, such as employee dishonesty or breakdown of a steam boiler, are excluded from the basic BOP, but you can add coverage to it by payment of an additional premium. Some events, such as wear and tear, aren’t covered because they don’t meet the basic criteria for insurance of being accidental and unpredictable.

Insurance Companies, Insurace Policy

Towing Coverage is simply that. Your insurance company will reimburse you (or accept direct billing) for the cost of towing the insured vehicle from a place of breakdown to the nearest appropriate service facility. Most insurance companies have a maximum limit they will pay out on Towing Claims but some companies have virtually no maximum limit, so check this out when you buy your policy.

Car Insurance Claim, Auto Insurance

Like millions of Americans who rent vehicles for business and pleasure, you probably shop for the best price, upgrade offers or loyalty points. But how much thought do you give to the safety record or conditions of the vehicle you’re renting? If you’re using your personal insurance for rental car collision coverage, even a minor accident has the potential to put points on your record and drive up your premiums. Here are some statistics and rental car safety tips to keep in mind next time you rent a  car.

Life Insurance , Health Insurance

As a family man,I have always wanted to have my family as safe as posible, ok thats what we all want specially when you have little ones, I went to state farm to have as much coverage on my cars so i have "no worrie's" for if something happens, I stared with 2 car polycies, and 2 life insurance...wich after the 3 first months we did'nt wanted so we called our agent and told her exatly that. she told us "dont worry as they dont receive any payments it will cancel by itself". so I did that I left it on the past, but that did not stop the mail, I receive hundreds of payments due, I call my agent again and she asure me it will stop,

Car Insurance Claim, Auto Insurance

Screech.  Crash. Crunch. You’ve just been in a car accident. What happens now? After police reports have been filed, insurance companies notified and, assuming nobody was injured, your next big step is to file a car insurance claim…and wait. While you’re waiting, review your policy to see exactly what it stipulates. Are you entitled to a free rental car? If so, what kind, for how long and who’s responsible for the collision coverage on the rental vehicle? Not sure?

Auto Insurance FAQ, Auto Insurance Coverage

Don't know why you need auto insurance? Unsure how much auto insurance coverage you should have? Find out with these auto insurance FAQ.How much auto insurance coverage do I need?
While the phrase "less is more" may be true when you're decorating or accessorizing...How do I get the most  auto insurance FAQ for my insurance dollar?

DC Auto Insurance, Insruance Policy

1) Think before you buy from the 1st DC agent you speak to !      Looking for Affordable Family Health Insurance?

2) When you find the DC Auto insurance you want to get, call at least 4 agents you may find a greater deal, with different agents . There lots of DC Agents, so even if you call 10 or 50 miles away make sure you get different quotes.

Car Insurance, Insurance Policy

When it comes to car insurance, sometimes you want to talk to an insurance pro and
sometimes you just want to take care of business online. With Esurance, you can do both.
As one of the first to bring car insurance online, Esurance has been innovating auto
insurance for more than a decade.

Car Insurance, Insurance Costs

That's why Mercury is committed to providing you with optimum coverage, so you're protected no matter where the road takes you. With Mercury, it turns out you don't have to sacrifice quality for price or service for price or... let's just say you don't have to sacrifice anything at all. Your local agent works with you from the very beginning, to make sure you get every Insurance discount possible along with the proper amount of coverage, so that nothing is left up to chance.

Health Insurance, Life Insurance

From crossing the street, to purchasing a new home, to traveling on an airplane, we all face risks daily. We've found ways of avoiding or minimizing certain risks, but it isn't possible to avoid them all. Some risks are trivial, like feeding and burping a baby after work while still wearing your suit. Other insurance risks are significant, like the loss of a house, auto or income due to disability or premature death.

Dental Insurance , Type of Insurance

Expensive visit to a dentist keeps most of us from stepping in to his/her clinic. Well, that's the reason of bad dental health as seen in most of the people. Many people even skip the basic checking and the much recommended 'twice a year' visit to dental clinics. This along with bad oral hygiene commonly leads to serious dental issues when you need to spend huge bucks on the treatment.

Business Liability Insurance, Insurance Covarage

You’re excited about being responsible for the expansion, innovation, competitiveness and profitability of your business. But keep in mind you’re also liable for the unintentional accidents, mistakes or injury in which you or your employees may be involved. Anyone who comes in contact with your business insurance can file a claim or lawsuit against you for many reasons, from funds needed for ongoing medical attention to unfulfilled promises stated in a business contract.

Insurance Claim, Insurance Policy

Business Interruption Insurance typically replaces business income lost as a result of a fire or named natural disaster. Be aware, however, that most policies do not pay if your business is forced to relocate or cannot operate because of an earthquake, act of terrorism or flood, unless you have specifically requested supplemental coverage for such events. Also note that there may be a 48-hour waiting period before your policy begins payments on a claim.