Can an auto insurance carrier designate their med payments coverage secondary to any other health insurance in CA as a result of an auto loss?
This is sticky, not sure what you mean by 'designate' secondary. Assume you are saying your health insurance has to pay first and med pay picks up what's left? Yes, in some states that is the practice/allowed. Some states allow ''double dipping'' meaning you can collect from both. Contact the Dept. of Insurance for your state, (should be an 800 number) they will be able to tell you. Also look in your policy it will also tell you for sure.
The answer to the question, is it depends. State laws on coordination of benefits (CoB) can impact the answer, but there is a general rule of thumb. If the dentist participates in a network that is connected to the patient's coverage--whether that coverage is primary or secondary, the participating network contractual relationship determines the amount that can be collected from the patient. Here's a table that was developed by the National Association of Dental Plans… Read More
Home Insurance is Insurance coverage for your house, condo or apartment for your personal property and liability coverage for you. The insurance coverage for your house is also called homeowners insurance. The Homeowners isurance is an insurance package that has coverage for the dwelling, the others structures on your property, Loss of Use, Medical Payments and Personal Liability. Read More
Car payments and insurance coverage, to name two. Read More
It would depend on the insurance company. Most insurance companies will reinstate your coverage once you are caught up on your premium payments. You would then just have a lapse in coverage for the month you missed. Read More
No. The premium is the price you pay for the coverage. Depending on your insurance company, the premium may be paid all at once or in payments. Read More
Yes, you are responsible If the person you co-signed for is behind in payments and the insurance coverage expires you are responsible to insure the car until it is sold or the person gets the payments caught up and pays the insurance. Read More
No. The medical payments to others coverage specifically excludes medical coverage for the named insureds and any houshold members. Health insurance is the only coverage that will cover this type of loss. Read More
If you car is financed and stolen what is the responsibility of the owner with reference to making payments and how is the process handled by the insurance co What if the car is never found?
The insurance company will pay the lender to the policy limits. This payment will only be made if you have theft coverage and not just minimum coverage. I believe you still have to make the payments, although I am not sure. Read More
Full coverage requirements have nothing to do with the age of the car. If you still make payments on the car then you still have to have full coverage. If you own the car outright, then you do not have to have it. Read More
Yes, you do. GAP coverage covers the difference between the value of the car and the amount owed. That means that you are making payments on the car, which is financed, which requires full coverage, insurance wise. Read More
If your friend takes over your payments while the car remains in your name can he get full coverage insurance and list the lien holder you make payments to?
Your name must be on the Title or Loan in order to get car insurance under your name. Otherwise this is considered Insurance Fraud. It is punishable by the law. Read More
Single premium life insurance is life insurance coverage in which one premium payment is made and the life insurance policy is fully paid up with no additional life insurance premium payments required. Read More
Term life insurance is a unique form of life insurance in which the policy holder makes payments and receives coverage for a fixed amount of time, or the term of coverage. Definitions of the term can be found at sites such as Investopedia and Matrix Direct. Read More
Erie Insurance auto insurance plans include coverage for bodily injury liability, medical payments, property damage liability, collision, comprehensive, and uninsured/underinsured motorists. Read More
Can they legally repossess your car if all your monthly payments are up to date but you have made a few payments a day or a week late?
Read your CONTRACT. You have to be in DEFAULT of the contract for the lender to repo. If you are current on payments, what else can you be in default of?? INSURANCE coverage? Read More
No, Your homeowners insurance is a type of "Hazard Insurance", you must continue to make your mortgage payments as usual. If your policy contains "Loss of use" coverage, then your insurance will cover the cost of temporary housing within policy limits, allowing you to continue making your mortgage payments. Read More
You will typically be held liable - not a good idea. With no insurance, I highly recommend purchasing the Liability insurance supplement at a bare minimum from the company so if something happened you will not incur such a financial hardship. Not worth the risk in today's sue happy society. I also recommend the LDW or CDW coverage to avoid hassles such as upfront payments, inadequate coverage from credit cards (they are almost always secondary… Read More
The insurance should cover an accident while it was in force. If you had insurance 2 months ago and the accident happened 2 months ago, coverages should apply. If the accident happened today and the coverage stopped 2 months ago, there should not be coverage. Read More
Mortgage insurance protects the LENDER ONLY. If your house were to burn down, they want to make sure they get their money. You are afforded NO coverage by mortgage insurance. Read More
Three types of auto insurance come to mind: medical payments (or personal injury protection), liability coverage and under/uninsured motorist coverage. Med Pay is coverage that protects the occupants of a car and pays medical bills up to the amount of the med pay policy limits. Liability coverage is the car insurance that pays on behalf of the at-fault driver. This coverage makes a lump sum payment to the injured person who is not at fault… Read More
No. You auto insurance has to pay first before the health insurance will begin to pay. Usually they want a letter from your auto insurance carrier to prove that all medical payments coverage on your auto insurance has been exhausted. Read More
A certificate teerm life insurance is a form of Life insurance that provides coverage at a fixed rate of payments for a limited period of time. The term could be a term life insurance that you took out for a set period of time. Read More
Some aspects of insurance coverage that can differ by state are: Auto Liability, Medical Payments, Uninsured Motorist, Rental Reimbursement and Emergency Road Services. Read More
The benefits of combined life insurance are lower monthly payments, more life insurance coverage in case of injuries or possible death, and of course not passing the burden to your family in case of tragedy. Read More
They are usually paid directly to the provider. The injured party provides insurance information to the treating physician, who then bills the insurer for treatment rendered. These payments are often made under the insured's "no-fault" coverage. Read More
weekly payment from payroll deduction at $125.00 per week and comprehensive insurance coverage Read More
Yes, liability pays for damage you cause to other people, regardless if those people are pedestrians or passengers in another vehicle. If the skateboarder has car insurance then there is also a good chance that the skater carries a coverage on his own insurance called medical payments. This is coverage on your car insurance that can be used for your own injuries as a pedestrian. Read More
medical payments to others is no fault coverage - it makes no difference if the person is intoxicated or not Read More
If Cigna had paid on charges which rightfully should have been paid by the auto insurance, yes. The subrogation would be performed by Cigna's overpayment recovery vendor, accent. This should not make a difference to the patient, as Cigna will cover once the auto insurance coverage is exhausted. Read More
Under certain circumstances, a separated employee may retain his group health coverage at his own expense. COBRA (Consolidated Omnibus Budget Reconciliation Act) payments are these post-employment health insurance payments. Read More
What is the benefit of having uninsured motorist coverage and medical payments on your auto insurance policy?
The benefit of having uninsured/underinsured motorist coverage is that almost 20% of us drive around with no insurance. There's also a good percentage of high risk drivers with minimum coverage running around. That's quite a pool of drivers we're up against every day. You want to be able to cover your losses if you are involved in an accident with someone like that. As far as having medical payments--this protects you and whoever you have… Read More
Medical payments coverage generally pays a portion of medical expenses incurred as a result of a collision and resulting injuries. Similar to Personal Injury Protection coverage, it pays expenses without regard to fault for the collision. It can fill in some of the gaps of coverage that may occur in Personal Injury Protection coverage, such as a high deductible. It may also be triggered when all of the benefits of Personal Injury Protection coverage are… Read More
If this is a standard homeowner's policy, insurance companies typically cover between 50% and 75% of the Coverage A Dwelling. In other words, if your home is insured for $100,000 (Coverage A) and the insurance company provides an additional 70% for your personal property (Coverage C), then your contents are covered for up to $70,000. Renters and Condo owners must specify exactly how much coverage they want on their policy. *Note: Most policies use the… Read More
There is not enough information to make that determination. You have insurance money coming from what? Are you late on your loan payments? Do you have comprehensive and collision coverage? Please provide as much information as possible. Read More
No. Full coverage insurance must be in existance, or they will put it on, and charge you. Current payments, are the only thing they care about. To them, it is just property. Read More
Liability covers the other person that you damage. Uninsured and under-insured motorist coverage carries those in your vehicle. Medical payments coverage covers everyone involved regardless of fault. Read More
If you are walking down the street and are hit by a car, of course, the majority of the coverage will be from the car that hit you and their liability coverage. You personal auto coverage may also have some coverage to help you as well. If you have medical Payments Coverage it will pay from your personal policy, also if you have work loss that coverage can come from your personal policy to supplement… Read More
No. Auto Insurance provides coverage for accidental losses wheel operating your vehicle. To cover the finance note of a vehicle you would have to have purchased credit or finance note insurance offered to you by the dealership at the time of purchase. Read More
YES. The bank or lender, who owns the vehicle ( You don't own it until ALL the payments have been made ) are within their rights to take it back as you are not insured if you don't PAY for the insurance. You are risking THEIR property, the car, by not having insurance coverage on it continually. Remember, you DON"T own it until ALL the payments have been made in full. Until then the company… Read More
Gap car insurance excludes any equipment that was not factory installed on the car, unpaid or overdue lease or loan payments, and money that was "rolled" into the car such as trade in vehicles. Read More
Yes, if there is a breach of the lending contract, such as non payment of late fees or penalties, lapsed insurance coverage and so forth. Read More
its a provision that allows an insured to restore a certain amount each year for coverage limits lost due to previous claim payments. Read More
No, homeowners covers the dwelling. Some policies offer Liability and Medical payments coverage, but only if a guest is injured on the insured property. Read More
How can you get inexpensive motorcycle insurance that only pays out if you damage someone else and not for your own bike?
You are looking for liability only coverage. You should also consider uninsured & underinsured motorist coverage which will supply medical payments if you are injured by an uninsured or underinsured driver. Read More
Temporary health insurance cost is figured by main different factors. The company you go through, the state or even your city, age, number of dependents,deductible, duration, duration of coverage, and frequency of your payments to them may all be factors in your expense for coverage. Contact your car or home insurance company to see if they do health some time you can save by bundleing. Read More
I had a deferred payment and my car was stolen and never recovered. Will my full coverage or gap insurance cover the deferred payment?
Most gap insurance policies do not cover deferred payments. NOTE - do not accept an offer to settle on the deferred payments. This may reflect on your credit bureau that the debt was settled for less than the ballance in full. Read More
Becasue the swingset is on your property, yes. Your medical payments coverage will pay for the med bills and if it falls short, your liability coverage will pay for the shortfall. Your insurance co will not (generally) penalize you for any claims. Read More
If you have full coverage car insurance and you have an accident and are killed does insurance pay settlement?
An unendorsed ISO Personal Auto policy should pay your "Part B-Medical Payments Coverage" Limit to an insured,which is a no-fault coverage. This is usually a low limit of 1,000 or 5,000 but can be increased. Uninsured/Underinsured coverage could pay bodily injury or funeral expenses you incur if the negligent vehicle doesn't carry insurance or doesn't have an adequate amount. Also, there are endorsements available that could indemnify after a death such as "Auto Death Indemnity"… Read More
Do I owe back payments for full coverage since a tire on the highway caused 6000.00 damage and my insurance company stated I only have liability even though there is a lien on the car?
No you don't owe any back payments to the insurer for coverage you never had. If you only purchased liability then they will not be paying for the damage you described. It is not a good idea to expect your insurer to have psychic powers when it comes to the coverage you need. They were not present when you signed you financing contract. Your Automobile finance contract required you to obtain full coverage. It is… Read More