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How can you tell what coverage you have?

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2015-07-15 21:42:58
2015-07-15 21:42:58
1, Call Your Agent!I would advise calling your agent to get an explanation, coverages and coverage requirement vary from state to state. 2Although answer 1 is not incorrect, you should receive documentation each time you renew an insurance policy. That documention includes a list of perils which are covered, the amount of coverage, and any deductibles which apply. 3Also, you should receive whats called a declarations page upon purchase or renewal of an insurance policy. On it, it will state your policy limits, applicable deductibles, among any other purchased or included coverages.
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There is no way to tell other then verifying his coverage after an accident.

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The Coverage would be paid out of you "collision" coverage (if you have this coverage), your deductible would apply and in most cases, you would not get a surcharge. check with you agent, tell him you are not sure you want to put in a claim, but want to discuss this.

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You're probably NOT required to get her the coverage, but to pay the premiums. You also have a problem with HIPAA Privacy in that she doesn't have to tell you what her medical problems are, nor can you sign the application for her. You may be able to get coverage, without any problems. Then you just have to worry about how long the waiting period is. If she had prior coverage in the last 63 days that coverage applies to the new waiting period.


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