Deepika Pics Collection In Hd
Visit : www.hungama4ever.blogspot.com
All pics In One File
Thnxx For Visiting...
Wednesday 26 March 2014
2. Auto FAQs
Auto FAQs
Q: What should I consider when purchasing automobile insurance?
A: There are a number of factors you should consider when purchasing any product or service, and insurance is no different. Here is a checklist of things you should consider when purchasing automobile insurance.
1. Don't base your decision on price alone. Base your decision on value - what you get for what you pay. Consider the quality of the company's claims service and consumer education.
2. Purchase the amount of liability coverage which makes sense for you.
3. You should decide which optional coverages you want. For example, do you want optional physical damage coverages or is the market value of your car too low to warrant purchasing them.
4. Once you have decided what you want in your automobile insurance policy, you can now decide from whom you would like to purchase the insurance. For example, you may decide you like the idea of purchasing insurance from a mutual company rather than a stock company.
Q: What are some practical things I can do to lower my automobile insurance rates?
A: There are a number of things you can do to lower the cost of your automobile insurance. The easiest thing to do is to shop around.
It is not surprising to find quotes on automobile insurance that can vary by hundreds of dollars for the same coverage on the same car. When you shop, be careful to make sure each insurer is offering the same coverage. Many insurers use the ISO policy forms, but this is not always the case.
Another way to lower the cost of your automobile insurance is to look for any discounts that you may qualify for. For example, many insurers will offer you a discount if you insure multiple cars under the same policy, or if you have had a driver education class in the last five years. Be sure to ask your agent or your company about their discount plans.
Another easy way to lower the cost of your automobile insurance is to increase the deductible. Simply raising your deductible from $250 to $500 can lower your premium sometimes by as much as five or ten percent. However, you should be careful to make sure that you have the financial resources necessary to handle the larger deductible.
Q: Suppose I lend my car to a friend, is he/she covered under my automobile insurance policy?
A: Whenever you knowingly loan your car to a friend or an associate, he or she will be covered under your automobile insurance policy. In fact, even if you do not give explicit permission each time a person borrows your car, they are still covered under your automobile insurance policy as long they had a reasonable belief that you would have given them permission to drive the car.
Q: What is the difference between collision physical damage coverage and comprehensive physical damage coverage?
A: Collision is defined as losses you incur when your automobile collides with another car or object. For example, if you hit a car in a parking lot, the damages to your car will be paid under your collision coverage.
Comprehensive provides coverage for most other direct physical damage losses you could incur. For example, damage to your car from a hailstorm will be covered under your comprehensive coverage.
It is important to know the differences between the collision and comprehensive coverages for a couple of reasons.
1. In order to make an informed purchasing decision about these optional coverages, you need to know the difference between them.
2. The deductibles under the collision and comprehensive coverages are often different in amount.
Q: What factors can affect the cost of my automobile insurance?
A: A number of factors can affect the cost of your automobile insurance - some of which you can control and some which are beyond your control.
The type of car you drive, the purpose the car serves, your driving record, and where you live can all affect how much your automobile insurance will cost you.
Even your marital status can affect your cost of insurance. Statistics show that married people tend to have fewer and less costly accidents than do single people.
Written By : Asad Sohail
1.General FaQs
General FAQs
Q: What kinds of questions should I be expected to answer when I am applying for an insurance policy? Why do insurers need so much information?
A: When you apply for an insurance policy, you will be asked a number of questions. For example, the agent might ask you your name, age, gender, address, etc. In addition, you will be asked a number of other questions which will be used to determine how likely you are to make a claim.
When an insurance company is deciding whether or not to offer automobile insurance to a potential customer, it will want to know about the person's previous driving record, whether they have any recent accidents or tickets, and what type of car is to be insured.
Insurance companies have different programs for different customers. Adults with good driving records will generally pay less for auto insurance than will a young driver with traffic tickets. In order to determine which program you qualify for, an insurance company needs basic information about you.
In addition to your age, gender and driving experience, information about the vehicle you drive, and how you drive it, is also needed to determine a fair price. For example, a large luxury car costs more to repair or replace than a sub-compact; and, someone who commutes 30 miles each way is more likely to be in an accident than someone who rides the bus to work and drives only on weekends.
When an insurance company is deciding whether or not to offer automobile insurance to a potential customer, it will want to know about the person's previous driving record, whether they have any recent accidents or tickets, and what type of car is to be insured.
Insurance companies have different programs for different customers. Adults with good driving records will generally pay less for auto insurance than will a young driver with traffic tickets. In order to determine which program you qualify for, an insurance company needs basic information about you.
In addition to your age, gender and driving experience, information about the vehicle you drive, and how you drive it, is also needed to determine a fair price. For example, a large luxury car costs more to repair or replace than a sub-compact; and, someone who commutes 30 miles each way is more likely to be in an accident than someone who rides the bus to work and drives only on weekends.
Written By : Asad Sohail
Travel Insurance
Travel Insurance
Visiting the USA can be an exciting and rewarding experience, but it can become very unpleasant and challenging when sickness or injury occurs and medical services or medical evacuation is needed. Medical care is excellent in most parts of the US, but it can be very expensive and even astronomical for cases of critical illness. Many travelers purchase supplementary international medical insurance or travel insurance to avoid the staggering costs that might result from serious sickness or injury on their trip.
When you are planning your trip, it is a good idea to contact your primary healthcare provider or insurer in your home country to determine if you are covered and under what circumstances and to what extent while traveling abroad. You may be surprised to find that your health care provider offers little or no protection while traveling in the USA. If this is the case, it might be wise to purchase international travel insurance.
Types of Insurance:
Many people are familiar with flight accident insurance, which pays you a large sum of money if you are killed or seriously injured in an air accident. This type of insurance policy normally does not cover any medical expenses resulting from illness or other types of accidents while traveling.
Travel agencies frequently offer travel protection plans or trip cancellation insurance. These usually cover the cost of travel expenses should you be forced to cancel your vacation due to accident, illness or certain other causes. They often cover travel assistance services, protection for lost or damaged baggage and limited medical coverage. There may or may not be a deductible or co-pay for covered medical expenses.
International Medical Insurance is short or long term insurance designed to reimburse you for medical expenses incurred while traveling or living in a foreign country. Maximum policy coverage is usually large enough to cover major medical expenses such as emergency surgery and extended hospital stays. "American Style" of international medical insurance coverage is usually subject to a specified deductible and co-insurance or co-pay. Plans may include emergency evacuation, reunion, and repatriation benefits as well as other travel assistance services. The plan coverage may be single trip, multi-trip or renewable.
Definition of terms:
Maximum Policy Coverage: The maximum amount of money that the insurance provider will pay for covered expenses. It may be an overall maximum or an amount for each accident or illness.
Deductible: (also known as excess) This is the amount of medical costs that you must pay before the insurance provider starts paying. It may be an annual amount, an amount for the duration of the policy or an amount for each incident. Example: a $50 deductible would mean that you must pay the first $50 of medical expense before the insurer begins to pay.
Co-Insurance or Co-Pay: This is the percentage or amount of medical expense that you must pay after the deductible is paid. Example: a co-insurance of 20% or an 80/20 co-pay means that the insurance company will pay 80% of the charges and you will pay 20% of the charges after you have paid the deductible.
Exclusions: These are medical expenses that the insurance company will not pay. These usually include expenses arising from the illegal use of drugs, medical conditions that existed prior to the purchase of the insurance, and medical costs arising from participation in dangerous activities or high-risk sports.
Emergency Medical Evacuation: covering the expenses for sending an injured or ill person home or transporting him/her to a place where appropriate medical care can be obtained.
Emergency Reunion: covers the expenses of bringing a family member to the injured or ill person during a medical emergency.
Repatriation Benefits: cover the cost of returning a deceased traveler's body to the homeland.
Single Trip Plans: cover one trip.
Annual/Multi-Trip Plans: cover all trips taken within one year.
Individual Plans: cover one person.
Family Plans: cover all members of a family traveling together.
Travel Insurance Online :
There are many websites that offer travel insurance online. Most sites offer only one type of coverage - either a travel protection plan or international medical insurance - or they offer coverage to citizens of a particular country. Only a few insurers offer a variety of plans for travelers from all countries.
USATourist.com has affiliated with Travel Insurance Center to bring you a wide selection of travel protection plans and International Medical Insurance. Look at their web pages and check their prices. You can purchase your travel insurance on-line from their web pages.
Squaremouth is another website where you can compare hundreds of travel insurance plans from top providers and buy immediately. Compare travel insurance or use their comprehensive research features. They also have insurance for visitors to the USA, immigrants, US visa workers, and foreign students who study inside the US. Click here to purchase travel insurance!
Written By : Asad Sohail
Subscribe to:
Posts (Atom)
