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With the average full coverage-car insurance policy costing a hefty $2,640 annually, according to Bankrate, you might be wondering if you’re getting optimal value for your hard-earned dollars.
If you are at fault for an accident and have insurance, your policy will likely cover accident-related damages up to your coverage limits. However, if you cause an accident while driving without ...
As a passenger, you may be able to file a claim with your driver’s insurance if they have a policy that includes personal injury protection (PIP) or medical payments. While some states require ...
Personal items in a vehicle that are damaged due to an accident typically are not covered under the auto insurance policy. Any type of property that is not attached to the vehicle should be claimed under a home insurance or renters' insurance policy. However, some insurance companies will cover unattached GPS devices intended for automobile use.
Like accident insurance, disability insurance pays the insured directly if they are injured in a way covered by the policy. However, disability insurance only pays if the injury prevents the insured from working. [3] Accident insurance benefits are paid whether or not the insured misses work as a result of the accident.
Typically a PIP claim is made by the insured driver to their own insurance company, however, there are several exceptions that allow persons who have been injured in an accident to make a PIP claim if they do not own a vehicle. The particular state law and policy language of the insurer should be reviewed to see what exceptions exist in that state.
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