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InsuranceAfter an Accident Insurance ClaimsMake the insurance claims process easier by following these steps.Am I Covered? Car Insurance QuestionsAsk your insurance agent these questions. It helps to understand the types and extent of coverage you have. There are a lot, but you're paying a lot.Appealing an Insurance SettlementIf you have a difference of opinion on your insurance settlement, you can begin an appeal process, starting with your agent, moving to the claims adjuster at your insurance company, or your state's watchdog agency for insurance consumers. What's Your Insurance Score?Like a credit score used by banks, insurance scores rate your risk (how financially stable you are). Research has shown that people who are in better shape credit-wise tend to file less insurance claims. Working With a Claims AdjusterOnce you have notified your insurance company of your loss, you will meet with a claims or field adjuster employed by the company. If You Have No InsuranceIf you have no insurance (or less insurance coverage than you thought), your recovery will be based on your own resources and help from friends, relatives and your community. Estimating Your Home's ValueDo you have enough insurance on your home to rebuild it if it is destroyed? Do you even know how to calculate the amount of insurance you need? Key Insurance Terms Determining ValueKnowing these terms helps to understand the process insurance agencies and relief organizations use to determine the value of your loss. Your tax accountant can also help you when claiming your losses. Top Homeowners Insurance MythsHomeowner's insurance can be a bit complicated. William S. Coffman, Jr., WHN's Guest Columnist, provides some common myths about insurance and insights into the realities of insurance and the claims process.Property Damage Questions for Your AgentThese are some questions to ask your insurance agent. These may confirm what you already know or may help you understand the extent and specifics of your coverage.Insurance Riders Do I Need One?You pay your homeowners premiums on time and feel reasonably comfortable that you are well covered should disaster ever strike, right? Wrong. Even if you think you have adequate coverage, you could be drastically underinsured.Life Insurance and Healthcare CostsIf you or someone you care about has been diagnosed with a serious illness, you may have already discovered that dealing with actual health issues is just part of the individual puzzle you must reassess and reassemble. Am I Covered? Home Insurance QuestionsThe more you know and understand about home insurance, the better you can insure yourself and your family in case of loss. Am I Covered? Life Insurance QuestionsHere is a 'starter' list of things to consider and questions to ask your agent. You'll probably come up with questions or ideas that best fit your needs. Choosing a Life Insurance BeneficiaryIf you own assets, from bank accounts to life insurance, it's important that you choose a beneficiary. Filing an Insurance ClaimA few tips on how to file a claim after a natural disaster, fire or theft. Motorcycle InsuranceThe more you know and understand about motorcycle insurance, accident coverage, and your own policy, the better off you are. Pet InsurancePet insurance is similar to health insurance: you may be reimbursed if the unexpected occurs. Property Damage What to Expect from Your AgentHere is a list of actions an insurance agent may follow after a claim. If you receive money from your agent or arrangements are being made for you, be sure to ask your agent what is covered under your policy and how much you are covered for. Reviewing and Updating Your Homeowner's InsuranceWhen was the last time you reviewed your home insurance policy? According to Loretta Worters, vice president of the Insurance Information Institute, there are six events that should trigger a review.Flood InsuranceOne of the most important things that you can do to protect your home and family before a flood is to purchase a flood insurance policy - even if you don't live in a flood-prone area. Earthquake Insurance ResourcesUseful links to information about disaster-related insurance resources.

Am I Covered? Car Insurance Questions

Ask your insurance agent these questions. It helps to understand the types and extent of coverage you have. There are a lot, but you're paying a lot.

What Is ...

  • What is a deductible?
  • What is Personal Injury Protection and how do I know if I need it?
  • What is included on an umbrella liability policy and when do I need one?
  • What is the difference between liability, comprehensive, collision and full coverage insurance in terms of financial costs and also in terms of extent of coverage?
  • What is the difference between cancellation and non-renewal of a policy?
  • What is the amount provided for medical payments and personal injury payments? Is this a reasonable amount? What is the national average for this? What is the state average for this?

Who or What is Covered?

  • Describe the different levels of coverage that are available for my car's make and model, and for my family situation.
  • Who is covered under this policy? Are other licensed drivers (friends, family members) covered if they drive my car?
  • How do I insure my teenage driver? What factors can reduce or increase the cost of his/her insurance?
  • If I use my car for my business, is it covered under my policy?
  • Can I take cars on and off my policy? For instance, if I have a car I only drive in the summer, can I put it on insurance for only June, July and August? What kind of lead time does the insurance company need?
  • Does the policy include roadside assistance?
  • If not, does the company offer it, how much is it and what geographic areas does it include?
  • Are there certain times that are/aren't included?
  • Are there services that are/aren't included?

Uninsured, Licensed, Non-Licensed Passenger, Driver

  • Are other licensed drivers covered if they drive my car? What about non-licensed drivers?
  • Are passengers covered? For how much? Is that amount enough/does it fit with recommended averages by your firm?

Rental and Leased Vehicle

  • Are leased or rented vehicles covered under this policy?
  • If I choose not to add this coverage, do I need to get insurance that a rental car company offers when I rent a car?
  • Does this insurance policy cover me anywhere in the country? What about outside of the country?

Accident, Damaged, Stolen

  • Are personal items in the car covered in case of an accident or theft? Do I need a rider on certain items if I'd like that option?
  • If I am in an accident, does the policy include legal fees if I have to go to court? If not, how is that paid for? Is that an additional charge?
  • In your experience, if my vehicle is damaged, how quickly can I expect to see an adjuster?
  • If the adjuster determines that the car is repairable, can I choose to take a check (less than my deductible)?
  • If my car is damaged or stolen, will the policy pay for a rental vehicle until I get my car back?
  • Does this policy offer a percentage or full reimbursement?
  • If not, how much more does it cost to get that?
  • Am I covered if the damage to my car was due to an uninsured or under-insured motorist?
  • If my car is damaged as a result of a non-collision event (such as a fire at my home or natural disaster), is it covered?
  • What situations DOESN'T my insurance cover? Is there something I'm missing?

Want more questions about accident coverage and possible rate increases? Read our article Car Accident Coverage: Questions for Your Agent for an additional list of questions to ask.

How Much...

  • How much insurance do I need if I have one car, two cars, etc.?
  • Tell me where I fit in with national averages: am I paying average, more, or less, and what factors into your answers?
  • Are there certain models of car that cost more to insure? Do I have one?
  • What vehicles get the lowest insurance rates?
  • If I owe money on my car, does that affect how much insurance must I carry?
  • If I have a lower deductible, how much are my payments? With a higher deductible, how much are my payments?
  • What are my payment options? Annual payments, bi-annual, monthly, etc.?
  • What coverage is available for a "basic" auto policy? How much is that?
  • Please give me a breakdown of the benefits I have, and how much it will be to insure myself at the level I'm comfortable with.
  • What factors increase a policy cost? What can I do to decrease the cost of my policy? (Safe driving record, increase deductible, multiple policies [car, home, etc.]? Other?)
  • What discounts do you offer? Many insurance companies offer a discount if you insure multiple cars with them, or have multiple policies (home, theft, auto, business, etc.)
  • What does my zip code have to do with my car insurance?
  • What is the length of time that the policy is in effect? What can result in the policy being canceled or premiums raised?
  • What do I do if can't get insurance through traditional private insurance companies?

Visit your insurance company's site for background information, descriptions and definitions of insurance terms. For any question, tell the agent to discuss options available to you, what situations warrant certain kinds of coverage and how much services add to your policy. They are always happy to help.

InsuranceAfter an Accident Insurance ClaimsMake the insurance claims process easier by following these steps.Am I Covered? Car Insurance QuestionsAsk your insurance agent these questions. It helps to understand the types and extent of coverage you have. There are a lot, but you're paying a lot.Appealing an Insurance SettlementIf you have a difference of opinion on your insurance settlement, you can begin an appeal process, starting with your agent, moving to the claims adjuster at your insurance company, or your state's watchdog agency for insurance consumers. What's Your Insurance Score?Like a credit score used by banks, insurance scores rate your risk (how financially stable you are). Research has shown that people who are in better shape credit-wise tend to file less insurance claims. Working With a Claims AdjusterOnce you have notified your insurance company of your loss, you will meet with a claims or field adjuster employed by the company. If You Have No InsuranceIf you have no insurance (or less insurance coverage than you thought), your recovery will be based on your own resources and help from friends, relatives and your community. Estimating Your Home's ValueDo you have enough insurance on your home to rebuild it if it is destroyed? Do you even know how to calculate the amount of insurance you need? Key Insurance Terms Determining ValueKnowing these terms helps to understand the process insurance agencies and relief organizations use to determine the value of your loss. Your tax accountant can also help you when claiming your losses. Top Homeowners Insurance MythsHomeowner's insurance can be a bit complicated. William S. Coffman, Jr., WHN's Guest Columnist, provides some common myths about insurance and insights into the realities of insurance and the claims process.Property Damage Questions for Your AgentThese are some questions to ask your insurance agent. These may confirm what you already know or may help you understand the extent and specifics of your coverage.Insurance Riders Do I Need One?You pay your homeowners premiums on time and feel reasonably comfortable that you are well covered should disaster ever strike, right? Wrong. Even if you think you have adequate coverage, you could be drastically underinsured.Life Insurance and Healthcare CostsIf you or someone you care about has been diagnosed with a serious illness, you may have already discovered that dealing with actual health issues is just part of the individual puzzle you must reassess and reassemble. Am I Covered? Home Insurance QuestionsThe more you know and understand about home insurance, the better you can insure yourself and your family in case of loss. Am I Covered? Life Insurance QuestionsHere is a 'starter' list of things to consider and questions to ask your agent. You'll probably come up with questions or ideas that best fit your needs. Choosing a Life Insurance BeneficiaryIf you own assets, from bank accounts to life insurance, it's important that you choose a beneficiary. Filing an Insurance ClaimA few tips on how to file a claim after a natural disaster, fire or theft. Motorcycle InsuranceThe more you know and understand about motorcycle insurance, accident coverage, and your own policy, the better off you are. Pet InsurancePet insurance is similar to health insurance: you may be reimbursed if the unexpected occurs. Property Damage What to Expect from Your AgentHere is a list of actions an insurance agent may follow after a claim. If you receive money from your agent or arrangements are being made for you, be sure to ask your agent what is covered under your policy and how much you are covered for. Reviewing and Updating Your Homeowner's InsuranceWhen was the last time you reviewed your home insurance policy? According to Loretta Worters, vice president of the Insurance Information Institute, there are six events that should trigger a review.Flood InsuranceOne of the most important things that you can do to protect your home and family before a flood is to purchase a flood insurance policy - even if you don't live in a flood-prone area. Earthquake Insurance ResourcesUseful links to information about disaster-related insurance resources.