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  2. These states are increasing minimum coverage ... - AOL

    www.aol.com/finance/states-increasing-minimum...

    It won’t stop there: California minimum car insurance coverage limits will rise again in January 2035 from 30/60/15 to 50/100/25. ... Bodily injury liability* Helps pay for others’ injuries ...

  3. How much homeowners insurance do I need? - AOL

    www.aol.com/finance/much-homeowners-insurance...

    Umbrella insurance: Umbrella policies may help pay liability claims after your personal liability insurance reaches its limit. For example, if a court awards an injured person $500,000 after ...

  4. Replacement value - Wikipedia

    en.wikipedia.org/wiki/Replacement_value

    Replacement cost coverage is designed so the policy holder will not have to spend more money to get a similar new item and that the insurance company does not pay for intangibles. [4] For example: when a television is covered by a replacement cost value policy, the cost of a similar television which can be purchased today determines the ...

  5. Umbrella insurance - Wikipedia

    en.wikipedia.org/wiki/Umbrella_insurance

    Excess insurance is similar to umbrella insurance in that it pays after an underlying primary policy is exhausted. The critical difference is that excess policies are normally "follow form" policies that conform exactly to the coverage of the underlying policy, except that they add on their own excess limit which is then stacked on top of the primary policy's limit.

  6. Prize indemnity insurance - Wikipedia

    en.wikipedia.org/wiki/Prize_indemnity_insurance

    Most television game shows pay for prize indemnity insurance for million-dollar prizes. One example came from April 2008, when such an insurance provider demanded RTL Group and CBS toughen million dollar win provisions after The Price Is Right $1,000,000 Spectacular produced three millionaires in the six episodes produced that season under the ...

  7. Guide to homeowners insurance - AOL

    www.aol.com/finance/guide-homeowners-insurance...

    The table below showcases average annual premiums for a home insurance policy with a $250,000 dwelling coverage limit from the top providers in the U.S., listed in order of market share. Methodology

  8. How does auto liability work?

    www.aol.com/finance/does-auto-liability...

    The uninsured motorist coverage and underinsured motorist coverage options are structured similarly to liability, but pay for your damages if someone hits you and doesn’t have any insurance or ...

  9. Increased limit factor - Wikipedia

    en.wikipedia.org/wiki/Increased_limit_factor

    Often, limited data is available to determine appropriate charges for high limits of insurance. In order to price policies with high limits of insurance adequately, actuaries may first determine a "basic limit" premium and then apply increased limits factors. The basic limit is a lower limit of liability under which there is a more credible ...