0
What is meant by primary and secondary insurance coverage and what portion of a claim is generalyy paid by each plan?
Wiki User
∙ 13y ago
just read the medical manager and u will find the answer!
Wiki User
∙ 13y ago
Add your answer:
Earn +20 pts
Will a secondary insurance pay a portion or all of a prescription that a primary insurance will only pay part of because they will only pay for a lower dosage?
In most cases a secondary insurance would compensate coverage were the primary insurance does not. Exceptions apply to the prescription drug type and coverage limitations.
Does full coverage insurance cover theft?
if your full coverage includes comprehensive coverage then yes, Auto theft is covered under the comprehensive portion of your auto insurance policy.
Can you claim on insurance for undeclared jewelry?
No, your home insurance policy will only provide coverage for property that is scheduled for coverage. The unscheduled contents coverage portion only covers furnishings and fixtures.
What is deductible for?
When you have a deductible in your plan, before your insurance starts paying for the coverage, you have to meet the deductible after which the insurance starts paying its portion.
If you are in an accident in Texas and it is your fault will your insurance cover your car repairs?
Yes, if your policy has adequate coverage. If you have full coverage insurance, your car will be repaired completely and your portion of the repairs will be whatever your deductible is.
Can the driver at fault file a claim to his own insurance for bodily injury under his uninsured motorist portion of his policy if he was driving a friend's vehicle who had no insurance coverage?
No. Insurance follows the vehicle primary, driver secondary. Since the driver is at fault and there is no coverage under the vehicle itself, the drivers policy would pay for any bodily injury or property damage he may have caused. Therefore uninsured motorist coverage would not apply. The only way that driver would have coverage for himself is if he already had Med Pay coverage on his own policy.
You need information on how copays effect primary and secondary insurance If you pay your copay on primary does that off set your copay on secondary and would secondary pay remaining portion of bill?
I don't quite understand your question. Check this link http://www.steveshorr.com/technical_questions.htm#Primary for links to explanations of dual coverage. Have you read the applicable provisions in your policies?
Can an insurance company pay to replace only a portion of a roof after hail damage?
Probably only if you have full coverage. Otherwise the Insurance company will deny you.
Does liability insurance cover your car if you are at fault?
Your liability portion of your auto insurance pays for injury and damages for which you are liable to others. Your Comprehensive and Collision portion of your auto policy will cover your own vehicle. One can not be liable to ones self. If you have "liability only" coverage, then their is no coverage for your own vehicle if you were at fault.
What is uninsured motorist property dam?
This is actually "Uninsured motorist property damage coverage" Or Waiver It is the portion of your insurance that covers you if the other motorist has no coverage. If it is a waiver you have to initial it means you have declined this coverage. This is one of many ways the cheapo insurance companies lower your rates.
Should homeowners insurance cover damage to a neighbor's property?
Your home insurance property coverage portion of your policy would not provide coverage for property of another. However, If you are found liable for damage to your neighbors property your liability coverage would invoke. Most homeowners Insurance policies come as a package with some level of Liability Insurance unless you purchased stand alone property only coverage.
Does homeowners cover a fall of a guest?
No, The medical coverage portion of your policy (usually $500) is for minor injuries that can occur around the home and is specific to the named insureds. Your home insurance policy is not a replacement for major medical insurance. If your guest feels you are responsible for their injuries through your negligence then they could sue you for coverage under the liability portion of your home insurance policy.
