Yes, you can choose to purchase more life insurance than indicated by the life insurance calculator. The insurance company will let you know whether they accept your request or not when you apply for the policy, if they feel you would be over-insured.
There is nothing stopping you from buying a policy for a greater amount than the one specified by the company calculator. However, your final eligibility for the same will only be known when and if the insurance company accepts this request.
Usually if an accident is determined not to be the insured's fault, then their insurance rates will not rise as the insurance company did not lose any money from covering the driver involved in the accident. If the accident is determined as being inconclusive, the rates may rise some, to adjust for the amount of money the insurance company lost in the accident.
As far as I understand it, That isn't a possible solution. A claim isn't settled until after the vehicle, or whatever is fixed. Thus there is no set amount for the claim. example: Person A rear ends someone. A, goes to the insurance company and files a claim, The insurance company sends an adjuster, the car gets fixed, and the amount owed is determined by the bill after the vehicle is fixed.
If the other company only gave you the deductible amount, then probably not. But if both paid you the full amount, then you should turn the other company's check to yours. If the larger check came from the other driver's insurance, I'd return the check from your own insurance company - you're entitled to the deductible amount, if you're not at fault.
The insurance premium is the amount you pay the insurance company every month. The insurance deductible is the set amount which you pay out of pocket for repairs after you make a claim. For example... you may pay $100 to the insurance company every month for the insurance policy and have a $500 deductible. If you file a claim you are expected to pay for $500 of the repairs yourself, while the insurance policy covers anything above that amount up to your max limits.
Double insurance is when you have something insured by two companies like when a husband and wife both have medical insurance on each other. Reinsurance is when an insurance company will insure the customers of another insurance company when the claims exceed a certain dollar amount. It reduces the risk of catastrophic claims to the insurance company that buys the reinsurance policy from another company.
Life Insurance Company will pay such amount to you after you submit the death certificate in insurance company. Fist you have to pay to funeral home and after that you will receive insurance amount from the insurance company. Here is link from where you got the local funeral home information in detail and ask them for the same. http://www.allfuneralhomes.com/
The amount you should expect to pay for house contents insurance will vary depending on the value of the items you desire to be covered by that insurance. Luckily, there are numerous "calculators" available on the web that you can use to make a list of your covered items and get an estimated amount of what you can expect to pay in insurance for those items.
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