yes they are. basically, if you are waiting for a lump sum settlement, then you have already been delared permanent and stationary(injury will get no better, or no worse). once the insurance adjuster receives all of your paperwork from the doctor who released you, your weekly payments will most likely be alot smaller than before. this is in preparation for your lump settlement. depending on the carrier, you may be able to receive small advances on the end amount if needed though.
No. If you have a deductible with your primary carrier, you will have to pay the deductible first before Medicare will pay anything.
Yes, and you want them to because if they are paid out of order then it will be a mess to correct.
No, if they have information of a third or first party carrier who is liable for accident related costs, they can make a claim directly to that carrier.
In most cases an insurance policy for a car goes into effect the moment the first payment is made. In the case of medical insurance there might be a waiting period based on the insurance company. Life insurance usually goes into effect after the first payment is made, but there might also be a waiting period before benefits will be issued.
In my state the answer is no, as the trailer is covered by your auto insurance. Contact your insurance carrier to find out about your state.
Your insurance through your employer is your primary insurance, and your spouse's primary insurance is through his/her employer. If both husband and wife are insured on both insurance policies, then you have primary and secondary coverage. But you will still have to pay any deductibles and co-pays before either policy will pay. The deductible is the amount you first have to pay (usually at the first of the year) before the insurance will pay anything. The co-pay is your percentage of what the insurance doesn't pay, which for many health insurance companies is 80% for them and 20% for you. There is sometimes a co-insurance that you have to pay also. Ex: Insurance companies have a set amount that they pay for any office visit, procedure, etc. If the bill is over what the insurance pays, then you are responsible for the balance.
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.
Often, a person will have "primary" insurance and "secondary" insurance. For example, if you have insurance through your job, and your husband has insurance through his job, then your primary insurance will be the one through your job, and your secondary insurance will be the one through your husband's job. Also, your husband's insurance through his job will be his primary, and yours through your job will be his secondary. There can be some exceptions to this though. For example, if you were married, had a child, then divorced and remarried (retaining custody of the child), and both your ex and current husbands have insurance through work, then the one who's birthday is first is considered the "primary" insurance, and the other is the "secondary" insurance. But there will still be a deductible with each one that has to be met before either one will pay.
Shop for a new insurance carrier. If still no luck, then it becomes what is referred to as "Assigned Risk". Generally, it takes 3 or more refusals to issue before that is considered. Assigned risk means that the state in which the property is located, assigned your policy to a insurance carrier. Very expensive, as you can imagine.
If the carrier runs his motor vehicle report before the renewal (some do not) then his rates should increase. If shopping for new insurance they will rate him for that infraction and will usually return a higher quote.
Many insurance agencies will allow you to add on an endorsement to your current insurance. One should check with their current insurance carrier first before switching. One wants to make sure that the endorsement covers at least as much as the added customizations cost.
This is called "excess" or sometimes, "umbrella" coverage. It can be written by the same insurer that writes the primary limits if it offers such coverage. If it does not, you may have go to another insurer for it. The excess insurer may require a minimum primary coverage limit before it will issue such a policy. Typically, it is less costly than primary insurance because it does not have an obligation to pay until primary limits are exhausted. It can usually be had in both personal and commercial lines of insurance and in varying amounts.
There is no consumer before primary consumer. There are producers before primary consumers
If medicare is one of the insurances then medicare is primary and the commercial insurance is secondary. If you have two commercial insurances then that would depend. It would be a good idea to contact both and get that straight before you incur a lot of bills.
Most insurance companies offer full benefits on the first day your coverage takes effect with no waiting period. As with most companies, you will need to fill out their forms to be processed. The faster you turn in the forms, the faster you will be covered. Colonial Penn is an example of many companies that will offer full coverage with no waiting period before you can collect full benefits.
The ICD codes are a standardized medical "language" for naming every known illness and injury. The claim uses the ICD code (saying what was wrong) and codes for procedures and treatments applied. The insurance carrier checks if the treatment seems reasonable and appropriate before determining the amount of payment.
Buying health insurance online can often make policies much less expensive, which makes the Internet a great tool for health insurance buyers who are looking for more coverage. However, be careful when buying additional health insurance coverage. Check for a waiting period on your policy. This is a period that you'll have to wait before your new coverage becomes active, so it's a very important part of any new policy. Knowing your waiting period can make it easier to assess the overall value of your new health insurance coverage and make buying medical insurance a simpler process down the line.
Yes. A secondary beneficiary only becomes beneficiary if the primary beneficiary dies before the insured. Say the insured and primary beneficiary are involved in a fatal auto accident but the insured dies an hour before the primary beneficiary. The insurance proceeds would not go to the secondary beneficiary but to the estate of the primary beneficiary. If the primary beneficiary dies an hour before the insured then the secondary beneficiary receives the proceeds. If an insured wants both to receive monies they can name more than one person as primary beneficiary and in what percentage for each person. They could also leave it to their estate and handle distribution by a will.
Some states require a waiting period before an abortion can be performed
How long does it take to get health insurance? It depends. Are you talking about health insurance that is offered through an employer? If so, some employers require their employees to satisfy a waiting period before they are allowed to enroll for benefits. Most employers don't have a waiting period though. Ask your employer's human resources department for information. And, as with any product, read your insurance brochures and don't be afraid to call their customer service department for help or if you have questions.
You wait until both claims are received then write off the lesser of the two amounts
Your insurance company doesn't make that determined. Go apply at some carrier... THEIR insurance has the final say.
The insurance company is not required to report a hit and run to the police but in most all personal auto policies, the insured is required to report a hit and run to the police before the insurance company will treat the claim as an uninsured motorist claim. This is usually a policy requirement.
No. There is not a waiting period.