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Yes, your policy is a contract. when you get your policy you get the contract. That contract lays out the parameters of whats covered, it usually doesn't cover what's not covered. If for some reason you can not find your contract you can contact your agent and ask them to send you a copy by mail, fax, or email. If there are things you don't understand ask your agent, thats what he's there for, part of the price of your contract goes to the agents salary, so ask away !
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What are the amounts of coverages on the policy for the truck?
This depends entirely on the policy and will have to be answered by the Insurance company.
Can independent contractors be covered under a company general liability policy while performing their services?
It depends on the wording/coverages of the contractors policy.
Can someone be removed from a homeowners insurance policy without their consent?
The policy owner, usually the Primary named insured, can add or remove people and coverages from the policy they purchased as their coverage requirements change.
Who decides what Medicare or Medicaid covers?
The coverages of medicare or medicaid are determined by a panel of experts consisting of medical personnel, actuaries, valuers of the respective Insurance Company. This panel of experts determines how many coverages can be admitted in a particular medical policy from the point of view of economy and sustainability. However, the Insurance Companies have social responsibility to provide medical coverage to common people at affordable cost.
What are 5 coverages does a homeowners policy provide?
Dwelling, Other Structures, Contents, Personal Liability and Medical Payments to Others
Is a home covered by insurance if you dont live there?
If you have a policy, then it should. Some coverages will be limited since you do not live there such as personal property.
What is the duty of disclosure required by insurance company and insurer?
It depends on the state but the disclosures will usually be spelled out in your policy. Most state insurance departments require that they provide full disclosure of policy coverages and exclusions in your policy.
Can your stepdaughter drive your car without adding her to your policy?
Check your policy for specific coverages. In general, she can drive the vehicle, but is not the primary insured person. This means that she MAY not get 100% of the coverage. Your policy will have the answer. If you can't find it or don't understand the policy call your agent.
When insurance company make mistake on the name of policy holder?
Typos are not uncommon on an insurance policy. Such a typo has no effect on the coverages provided. Of primary concern is the Intent of the policy. If you have such an error you should contact your insurer to have the error corrceted.
Will your car insurance cover you if youv'e been only paying little over a month?
Your coverages will apply while the policy is in force.
Does home insurance cover tornadoes?
Check your policy for the extended coverages of wind and hail storms. If you have it then yes you will be covered for tornado damage.
Does your insurance cover you if you crash a car while test driving?
You should have coverages available but your policy is considered secondary to the insurance that is on the vehicle.
