Liability Insurance

An Umbrella olicy is financial protection that exends the covergage limits of underlying insurance policies of the named insured(s).

If the insured suffers a loss that exceeds the limits of an underlying policy, the umbrella kicks in to offer coverage at the higher limit.

Yes, if they accept liability and they will pay up to the limit of property damage coverage.

Homeowners insurance does not have liability coverage for your job occupation. You can obtain contractors insurance for liability coverage.

Let's say a policy has a 10% deductible. That means that losses less than 10% are not paid. Further, if a loss is greater than 10%, it is reduced by the amount of the deductible. (ie the insurer pays 15% if the loss is 25% of the limit)

If a policy has a 10% franchise deductible, that means that losses less than 10% are not paid (same as above). However, if the loss is greater than 10%, it is as if the deductible did not exist. (ie the insurerer pays 25% if the loss is 25% of the limt).

Not unless you carried collision coverage

the autobiography

The answer depends on the type of business.: Human-being Scientific Development & Advanced Association.

Only collision coverage will cover a collision between your car and a stationary object.

A collision between your car and a stationary object is always considered an at-fault accident. Striking an animal is always considered a comprehensive claim, and thus not at-fault.

From any insurance company of your choice.

This is a type of auto liability coverage that can be purchased when the buyer does not own an automobile. While auto liability insurance is typically said to "follow the car", meaning that it correlates with a particular vehicle, non-owner's coverage "follows the driver". In that sense, it covers the driver irrespective of the vehicle he/she is driving.

The one that gives the best quality product at the best price.

Quality is a function of policy service, claims service and, I believe, risk management analysis and education.

Before shopping, understand the difference between claims made and occurrence policies. Claims made will be cheaper in your first year, but you need to understand tail coverage. The costs are about equivalent in the long run when you consider the tail coverage.

There are very few carriers out there. Talk to your state professional association about what carriers operate in your state. They may also have a group discount for members, as may some of the national NP associations.

In some setting, you can be added onto the group's policy as a named insured, but you may choose to carry your own.

For a more personal answer, I've had NSO and now I have CMF.

If you hit a deer, coverage is found in your auto policy in the "Other than collision" or comprehensive coverage section for damage to your covered auto.

Liability is available only for third parties that you injure due to negligence.

Insurance in general is the protection of financial loss. If you are self-insured you might be sued for more than the actual loss. You may be taken to civil court for more than physical damages. If you do go to court the cost of you lawyer is a problem. Insurance companies have figured this into the premiums and they have lawyers that already are familiar with the problems of insurance suits.
I am not a lawyer but just a consumer. So, please continue your search.

Read both your master policy that covers the condominium association's assets and your homeowner's policy to verify coverage.

Also, the tenant's insurance may be a possibility for coverage.


Basically, it will depend on the cause of the leak, and that will determine which policy, if any, covers the damage.

No, Homeowners policies are considered Mono-Line

NO, Nobody is liable for an act of nature. You would not be liable for damage to vehicle resulting from a falling tree limb. Your neighbors comprehensive auto insurance will cover the damages.

You would only be liable if someone had warned you that the branch was dangerous and you took no heed.

No. Physical Damage coverage to your own vehicle would be covered in this instance if you purchased the coverage, but liability only would not repair the damages.

Yes but with subject to Your daughter is not excluded from your policy, you do not have a "limited" policy, your daughter holds a driving licence and has not consumed any alchohol and the insurance policy is not void.

The damages to your car and to the third party property of the person can be covered up to the limit specified in your policy.

the difference between a proposer and the insured is that a proposer is a person or an entity who is seeking insurance and an insuerd is someone or an entity covered by an insurance policy

of not more than $5,000 and twice the full amount of the erroneous payment

Short-term liabilities resulting from the primary business operations of a firm. They are non-interest bearing and comprise of accounts payable, accrued expenses, and income tax payable. Operating liabilities are deducted from total assets to determine the net operating assets.

Since you have DUI I suspect that your licence was also pulled so you now have a suspended licence. To drive another's car with a suspended licence is not only illegal but rather a bum deal for the person who owns the car. If you had an accident they would be libel for the damages and could loose insurance and the car because you were the driver. I wouldn't loan you a car for the above reasons.

Well, if it's in your contract and you failed to get it, then yes, the complex can purchase it for you and bill you for the cost.

You just have to read your lease contract and see what you signed. It's usually gonna be cheaper if you buy it yourself though.