Subrogation occurs when an insurance company goes after the party responsible for an accident or damages. You would use your insurance company for subrogation. This is something that the company will handle on their own. In most cases you do not have to do anything.
In Minnesota it is required by law to have renter's insurance. This is due to the fact that if your home is ever damaged then you must have the insurance in order to cover the damage to the owner.
Yes, in Minnesota, as in many other states, household members who have a driver's license should typically be added to your insurance policy, regardless of where they live, if they will be driving your car frequently. Adding them to your policy will help ensure that they are covered in case of an accident. It's always a good idea to check with your insurance provider for specific requirements and recommendations.
NO, But if you live in a designated "Flood Zone" and have financed your home through a mortgage company, then it is probably part of your mortgage contract that you signed with your lender that you would maintain a flood insurance policy until you pay off the mortgage note. If you fail to purchase the required coverage you are in breach of contract with your mortgage lender. By law and by the terms of your mortgage agreement they can purchase it for you and add the cost to your monthly house payment. Failure or refusal to maintain the required coverage and pay for the cost of the flood insurance could be the first sign of an eventual foreclosure in the near future.
No, you cannot patent an idea without a prototype. A prototype is typically required to demonstrate the functionality and feasibility of the idea in order to obtain a patent.
Yes, InventHelp can assist you in the process of obtaining a patent for your idea.
it probably would be a good idea to get supplemental insurance if your present insurance doesnt cover 100%. it does not seem to be a good thing without insurance already.
It is always a good idea to compare insurance offerings. Often there is another insurance program that offers the same or better protection for less money.
Usually not, unless you need your carrier's assistance. For instance, the other driver might not make a claim with his carrier, or you were injured and have first-party medical coverage that you'd need to use. You don't say what the facts-of-loss are, but if there's any question about liability, it would be a good idea to report the accident to your carrier. It's also a good idea if the other driver was injured.
"Insurance is not only a good idea to have, it is also required in most places. Driving without insurance is a crime that is punishable by severe fines and potential jail time."
No it is not, but it is always a good idea
Whether or not you need supplemental insurance depends upon your individual situation. Does the coverage your job provides give enough of a benefit should you need it? If not, than supplemental insurance would be a good idea.
A very good idea! I can help you! 4LifeGuild
It is a great idea to get travel insurance weather you are a senior or not. It provides you with the reassurance that even if you get injured, you won't have to pay.
Truck insurance can help you pay for the damage cost if you get in accidents. If you own a truck, it is a good idea to get insurance for it in case you do get in an accident.
http://www.chipcoverspakids.com/ is a great insurance idea for you. It is for children, and it will help any sick children who should have insurance.
No, But if you live near the coast it might be a good idea
Might be a good idea if you live a flood zone.