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Probably. Check with your specific insurance company.

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โˆ™ 2008-07-30 20:50:41
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Q: Can you change the deductible and cap amounts on your health insurance policy without changing policy number?
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Who pays the deductible when the other person is at fault?

There is not deductible with liability insurance coverage. Liability pays the party who is not fault for their damages without a deductible. If you were at fault collision would pay for damages to your vehicle but you will have a deductible of whatever you selected when you purchased the insurance policy.


Can your insurance company raise your homeowners deductible without you consent?

it depends on the company


What if your employer recently changed insurance companies midyear without telling you your deductible for the year was fully paid Do you have to pay a new deductible now?

Most insurance companies allow credit for the deductible met for services that actually incurred during the same calendar year. Call your new insurance company and find out if they allow the credit and what proof they require.


Can your insurance carrier raise your deductible without your knowledge?

No, they must inform you of changes to the insurance contract. However, if they sent notice, they will usually have file information on when and where sent.


Can State Farm raise deductible on homeowners insurance without your consent?

It depends on the terms of your insuring contract. Maybe yes maybe no, Just read the terms of your insurance policy or contact your insurance agent.


Do I have to pay the deductible on a hit and run in a parking lot?

Without another party for the insurance co. to assess liability to, yes you will. Should be your collision deductible, but it also should not affect your rates when you next renew.


Can you still collect on your own insurance without paying the deductible after an accident.?

If you have collision coverage on your vehicle you can collect from your insurance company for the damages. You will not have to pay the deductible if you were determined by the insurance company to not be at fault for the accident. They then go after the other insurance company to get the money they paid you back. If you do not carry collision coverage then you need to file with other insurance company, they will then decide who was at fault for the accident if their party was at fault they then pay you for the damages to your vehicle.


Is a health premium the same as a deductible?

No. When referring to health insurance, the "premium" is the amount you pay to the health insurance company each month to maintain your coverage. The "deductible" is a specific dollar amount you may be required to pay out-of-pocket per year before the health insurance company will begin paying for medical services covered under your policy. The amount you pay toward your monthly premium (or for copayments) does not count toward your annual deductible. Not all health insurance plans have a deductible, and even among plans with deductibles, some services may be covered up-front (preventive care, for example) without being applied toward your deductible.


How Your Deductible Can Reduce the Cost of Car Insurance Idaho?

When most drivers in Idaho think about their auto insurance deductible, they think about it as an expense they pay when they file a claim on their policy. This is, after all, the amount of money that all drivers must pay each time they file a claim on their car insurance Idaho. However, it is possible to save money by making a simple change to your deductible.How Your Deductible WorksThe deductible is the portion of money a driver pays out-of-pocket when he or she files a claim. It is common for drivers in the state of Idaho to have a $500 deductible. A $500 deductible is a mid-range deductible that is affordable for many drivers to pay out of pocket if they need to file a claim. Few people enjoy paying the deductible, but this is an affordable amount that generally won't create a lot of hardship. Some people, however, have opted to have an even lower deductible. It is possible to have a $250 deductible. However, the lower a deductible is, the higher the premium is.Putting Deductible Savings to WorkMany drivers do not consider raising the deductible to $750 or $1,000. This is a much larger sum of money for most people, and it would make filing a claim when necessary a more financially challenging prospect for some. However, depending on your specific insurance rates and insurance company, adjusting a deductible from $500 to $1,000 may save you up to 25 percent or more on the cost of your auto insurance premium. Consider putting the money saved by adjusting your deductible into a savings account for a few months until you have the full amount of the deductible saved. After you have the full amount of the deductible saved, you can then simply enjoy the benefits of paying less money on your car insurance rates.Increasing a deductible to a higher amount can be a scary prospect for some, and this especially true for those who live on a tight budget. However, with the savings you enjoy by increasing the deductible, you can soon save up the full amount of the deductible in a savings account. When a claim is filed after this point, you can simply withdraw the cash you need from your savings account. The fact is that many people go for years without filing a claim, and during this time, you could be saving money on your auto insurance rates. Consider getting a rate quote for a higher deductible today.


If you get into a wreck and you were the one in fault and the other person does not have insurance what will happen to them and will your insurance cover it?

Every state is different. Where I live, if you are the responsible party in the wreck then your insurance has to repair the vehicle that you hit. You will be responsible for paying your deductible to have your vehicle fixed. Also the driver without insurance will be ticketed by the authorities if they are present.


Is mid-west life insurance company a good health insurance provider?

I have had mid west insurance for three years and have had no problems. I have 3 children and have been able to go to the er and dr without a deductible issue. I am happy so far! ---------------------


What if someone hits your car and they leave the scene without exchanging information?

In this case you would use your Uninsured Motorist coverage if you have this coverage. Your UM coverage will pay for damage to your vehicle less your deductible. If later the person is found and their insurance or they personally pay for the damages then your insurance company will get reimbursed and you will also get back your deductible that you paid in you UM coverage.


Is there a deductible on additional liability coverage from rental car companies?

It depends on the car rental company and the type of insurance you sign up for. The LDW (Loss Damage Waiver) typically covers the car for most damage situations without a deductible or in some cases a small deductible (up to $100). Check the fine print or ask the rental agent about deductibles in case of damage.


What's the Price of windshield repairs with and without Insurance?

Without insurance, replacing a windshield will likely cost anywhere from a few hundred to around one thousand dollars, depending upon the model. If you have insurance, you will have to pay your deductible, which may be as much as the full cost of the windshield. In certain states, however, insurance companies are required to fully cover this kind of repair, so long as you have a comprehensive policy. It is worth investigating the details with your insurance provider.


Why do you have to pay a deductible?

An insurance deductible is a way for the insurance company to share a risk with the policyholder, and to reduce the premium payment required. By buying a policy with a $500 deductible, the policyholder agrees to be responsible for the first $500 of any covered loss. The insurance company is insuring only those losses exceeding $500, so they charge less for the premium. Most claims will be less than $500, or not much over, so their risk is reduced. You can usually buy a policy with a smaller deductible, or with no deductible at all. You will find those policies are considerably more expensive, as you're asking the insurance company to assume a greater risk. The general rule is that your deductible should be the largest amount you could cover with your own funds, should a loss occur. If you buy a collision policy for your car with a $500 deductible, and the car is destroyed, it will cost you $500 to replace it--the insurance company will pay the rest. So long as you can lay hands on $500, you know you'll have a car to drive. If you get through the policy term without the car being wrecked, you get to keep your $500, and the money you didn't pay for a higher premium with less risk.


How are lakes and oceans are able to stabilize air and land temperatures?

water is able to absorb large amounts of heat without significantly changing its temperature.


Can a lien holder determine your insurance deductible?

I've had a lien holder tell me they require a $500 deductible and I argued with them on it and set my deductible at $1000 like I always do. They never repossessed the car, but that was a chance I was willing to take. I think if that went to court a Judge would see it the same way. The difference for me in payments from a $500 to a $1000 deductible is about 40% per month, so it's significant. On the other hand, you need to review the contract you signed to determine if there is a provision regarding the deductible. If it's in the contract that you signed then you cannot breach that agreement without consequences.


Does your home insurance cover the deductible for the condo insurance?

Your question will be best answered by the insurance agent or broker who sold you the policy.Almost nothing in an insurance policy that covers a home is automatically covered if it is not located in the home. And some items in the home may not be covered either, without a special rider. This is especially true of expensive items, such as jewels, furs and so forth.


Would an individual prefer insurance with a copayment verses insurance without a copayment?

It depends on what other cost-sharing practices the insurance company uses. If the only thing you will ever be responsible for is a co-pay, than it is excellent insurance as most insurances require that you meet a 500-2000 dollar deductible before they will pay anything. So-if you do not have to pay a copay up front but will be responsible for the entire bill to meet your deductible, it would be better to pay a 35$ copay up front everytime you go. Example: you go to the doctors 4 times a year at $200 for every visit Company A- 40 dollar copay for office visit, no deductible, then 100% after ded Company B- No copay, 500 dollar deductible, then 100%. Company A Cost- 40*4=160 Comapny B Cost- 200*4-= 800 you pay 500 insurance pays 300


If a flooded street caused engine damage will your insurance cover the damage?

If you have comprehensive coverage it will be covered. 'Flood' is a named peril listed in all auto policy contracts and most likely will be covered without a deductible.


do they have plans for people without insurance.?

do they have plans for people without insurance.


Are you responsible if someone borrows your car without permission and gets in an accident?

The owner's insurance will pay if he has collision coverage. It Doesn't matter who was driving. the owner will have to pay the collision deductible, unless he wants to press charges against his buddy for "stealing" the car in which case the owner will have to pay the Comprehensive deductible. If the owner has neither collision nor comprehensive, then the owner is out of luck. The buddy's (who borrowed without permission) insurance company is not responsible for anything. They were not insuring that vehicle only his liability (damage he causes to people and vehicles that he hits but is not occupying)


What is the required professional liability amounts for an optometrist is Florida?

Required? It's not required. It's up to the doctor if he or she wants to buy insurance or risk practicing without it.


Does add color to water tell about changing matter without changing its shape?

does add color to water tell about changing matter without changing its shape


Can I drive without vehicle insurance?

Yes, it is illegal to drive without insurance or without having sufficient insurance in Arizona. You will have 30 days to provide proof of insurance following an accident.