Where Can I Get Cheap Motorcycle Insurance?

Jan14
2010 4 Comments

You might be wondering why your buddy who also owns a motorcycle has cheaper insurance than you have. Well, you might have forgotten that motorcycle insurance rates differ from one motorcycle owner to the next.

Just because you have the same brand of motorcycle, it means that you will be paying the same amount for insurance.

When you purchase insurance, you have to know that there are different factors that determine your motorcycle insurance rates. These factors work on different ways compared to standard car insurance. But these influence how low or how high your premiums are.

Read on for you to know the factors that affect your motorcycle insurance rates and discover tips on how you can get the best quotes for your motorcycle insurance.

First and foremost, your age is a factor. Motorcycle insurance rates affect the age of the driver. The higher insurance rates are for female motorists who are below 21. Male drivers below 25 also have relatively higher motorcycle insurance rates.

These limits differ between the different states so you have to check your insurance agent just to be sure. If your age is within the “high risk” zone, you might consider waiting to buy your motorcycle in a couple of years.

If not, you can expect high rates just because of how old you are. It may not seem fair but that is how the cookie crumbles.

Your insurance company will also check your driving record. This is the standard routine because this is one of the most important factors in determining your motorcycle insurance rates.

If you’ve had a good record in the past and have not been involved in any accident, then your motorcycle insurance rates are lower than those who have been in motorcycle accidents.

It is not a known fact but experience in riding motorcycles is considered by insurance companies when calculating the motorcycle insurance rates. If you have bought your first motorcycle, then the chances are you have higher motorcycle insurance rates.

You can compare from one insurance company to the next and see if there are differences. That is why we advise you to shop around.

Location is also another factor on your motorcycle insurance rates. If you live in an area that has high crime or accident rates, your motorcycle insurance rates will be higher compared to let’s say living in an area that has low accident or crime rates.

The insurance premium depends on the risk your motorcycle has, and we have to admit it, it’s understandable.

Learn about motorcycle insurance, motorcycle insurance quotes, classic car coverage and motorcycle insurance rate comparisons. www.christianet.com
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Question by Radioactive1: Motorcycle Insurance?
Does a person need to have motorcycle insurance (like mandatory car insurance) to operate a motorcycle in the state of Washington?

Thanks

Best answer:

Answer by Jen
in Michigan they do

Know better? Leave your own answer in the comments!

London, UK (PRWeb UK) April 8, 2010

Recent government figures show that the number of motorcycle tests carried out has increased significantly with 105,362 tests taken by UK drivers last year .

Similarly, the number of people owning motorcycles is at an all-time high with 1.3 million motorbikes now on the road . This number could be set to rise higher, after research from Post Office Motorcycle Insurance showed that 13 per cent of drivers say they’d consider swapping their car for a motorcycle or moped to save costs .

Post Office Motorcycle Insurance reminds that motorcyclists can enjoy many benefits by choosing two wheels, such as lower fuel consumption, no congestion charge and lower motorcycle insurance premiums.

With an increasing number of motorcycles on the road requiring motorcycle insurance, Post Office Motorcycle Insurance is advising motorcyclists to make sure they take out appropriate motorcycle insurance cover. As with cars, there are three levels of motorcycle insurance cover offered: third party, third party fire and theft and fully comprehensive.

Post Office Motorcycle Insurance offers a broad selection of motorcycle insurance cover, including the option to insure up to four bikes on the same motorcycle insurance policy and up to £500 worth of accessories cover.

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Posted in Motorcycle Insurance - Tagged Cheap, Find, Insurance, Motorcycle, Online, Rates

Facts About National Flood Insurance Every Homeowner Should Know

Jan13
2010 5 Comments

by josiejose

How Homeowners Can Navigate Choppy Waters With Ease!

The purpose of flood insurance is to protect property owners and renters against losses from floods—losses that a typical homeowner’s policy does not cover. Whether you have a condo or a house, whether you’re a builder or a renter, here’s information to help you know who is eligible for this insurance, where to obtain it, and how the program works.

Flood insurance is available only in communities that participate in the National Flood Insurance Program (NFIP), a program of the Federal Emergency Management Agency (FEMA).

Homeowners, builders, and communities want to preserve and protect their property. What measures exist to help them?

Why Have Flood Insurance?

You may not think you live near enough to water to be at risk, but dams and levees do break, drainage systems can become overloaded and back up, and hurricanes can veer off path.

Protecting your home and belongings with flood insurance is far less costly than cleaning up after the fact. Nor can you depend upon Presidential Disaster Declaration aid. Even if such a declaration is made for your area, it can be a long time before the money arrives.

The National Flood Insurance Program

Over time, the US government realized that the measures in place to discourage unwise land development or to decrease losses from floods simply didn’t work. Therefore, in 1968, Congress established the National Flood Insurance Program to protect property owners against the possibility of loss.

How Does It Work?

A community must agree to adopt and enforce a floodplain management ordinance that is designed to reduce future flood risks in Special Flood Hazard Areas (SFHAs). When a community follows or agrees to follow these laws, the federal government will make flood insurance available to every property owner in that community.

Each property owner must then follow all of FEMA’s and NFIP’s requirements whether or not he or she purchases flood insurance. One of the requirements is properly installed flood vents.

How Do You Define Community?

A community is any State, area, or political subdivision; any Indian tribe, authorized tribal organization, or Alaska native village; or authorized native organization with the authority to adopt and enforce floodplain management ordinance for the area under its jurisdiction.

Community participation in the NFIP is voluntary, although some states require participation as part of their floodplain management program. Each community in an identified flood-prone area must assess its flood hazard and determine whether flood insurance and floodplain management would benefit its residents and economy.

How are Flood Hazard Areas Determined?

The Federal Emergency Management Agency (FEMA) produces maps that identify various flood hazard areas, such as the Special Flood Hazard Area (SFHA), a high-risk area that stands a 1% chance of occurring in any year. The government believes that this high-risk standard is a reasonable compromise between the need for floodplain development and the need for building restrictions aimed at minimizing loss of life and property.

Development can take place in the SFHA as long as it complies with local floodplain management ordinances that meet the minimum federal requirements. Flood insurance is required for insurable structures within high-risk areas.

What Kind of Requirements Are There?

When a community participates in the National Flood Insurance Program, every property owner in that community has to follow all of FEMA’s code requirements as set out in its floodplain management ordinance. That’s true whether or not the property owner buys flood insurance. These code requirements include but aren’t limited to foundation openings (also called “flood vents”) and first flood elevation height requirements.

What Types of Structures Can Be Insured?

If you are in a community that participates in the NFIP, nearly every type of walled and roofed building that is mostly above-ground and not entirely over water can be insured. This includes mobiles homes and traveler trailers without wheels that are anchored to permanent foundations. Separate coverage is available for the contents of these buildings.

What isn’t insurable under the NFIP?

Buildings entirely over water or principally below ground, gas and liquid storage tanks, animals, birds, fish, aircraft, wharves, piers, bulkheads, growing crops, shrubbery, land, livestock, roads, machinery, motor vehicles, equipment in the open. Most contents and finishing materials located in a basement or in enclosures below the lowest elevated floor of an elevated building are not covered.

How To Find Out If You Can Buy Flood Insurance

Property owners and renters can see if their community participates in the NFIP by contacting a community official or insurance agent or by visiting http://www.fema.gov/fema/csb.

How to Obtain A Flood Insurance Policy

If your local insurance agent does not sell flood insurance, call the NFIP at 1-888-379-9531 or visit www.floodsmart.gov.

How Much Flood Insurance Coverage Is Available?

The NFIP Flood Insurance Manual provides coverage limits under the Residential Condominium Building Association Policy. Under its regular program, property owners can buy up to 0,000 per single-family dwelling or other residential building and up to 0,000 for a non-residential building. Coverage is available up to 0,000 for residential building contents and up to 0,000 for non-residential contents.

When To Buy Flood Insurance?

There is typically a 30-day waiting period for flood insurance to go into effect. Remember that hurricane season is flood season, so obtain your insurance well ahead of time.

Tips to Remember

1 – Everyone lives in a flood zone.

2 – Most homeowners’ policies don’t cover flood damage.

3 – No matter what your flood risk is, you can buy flood insurance if your community participates in the NFIP.

4 – Don’t wait for federal disaster assistance to help you.

5 – Keep your home compliant with federal regulations.

6 – There’s usually a 30-day waiting period before your policy takes effect.

7 – Buy a separate policy to protect your contents.

This article is not intended to be a substitute for FEMA’s comprehensive guidelines. For more information, visit FEMA.gov.

Flood Insurance
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Do You Really Need Flood Insurance?

Jan11
2010 9 Comments

Insurance coverage that protects losses caused to property because of floods is called flood insurance. If your area is prone to floods, buying flood insurance would be a wise decision. Floods cause a great deal of damage to millions of homes. Having a flood insurance means you are spared the damages that are caused by flooding.

You might not want to purchase flood insurance because of the expense you would incur, but it is better to pay for the insurance than to spend even for rebuilding your home if it is damaged by floods. Remember, homeowner’s insurance policy will not pay for the damages caused by floods to your home; this is a misconception that some people have.

What is excess flood insurance?

In excess flood insurance, you are covered for more than the National Flood Insurance Program (NFIP) benefits. This kind of insurance will provide coverage for rebuilding your home and also for replacing assets that were damaged due to the flood. Excess flood insurance can be purchased from an excess and surplus carrier or can also be purchased from certain flood insurance companies.

If the value of your real estate exceeds the amount provided by the National Flood Insurance Program, you will be safe if you get an excess flood insurance. If you have property located in a flood prone zone, you are eligible for excess flood insurance.

Other things you need to know

You can go for quality and low cost flood insurance coverage. A licensed insurance agent should be able to offer discounts in comparison to other coverage plans. If the flood insurance coverage is recognized and approved by a Federal Emergency Management Agency (FEMA), it will imply that you are receiving flood coverage similar to everyone else but for a lesser cost.

Flood insurance will cover your home for a wide range of flooding cases. The main reason for having flood insurance is when an area receives very heavy rainfall in a short period of time causing a flood and hampering your property. Other events that can cause flooding and call for flood insurance include damages to the home due to melting snow, a swimming pool leak, clogged storm drains, and other such calamities.

The cost of the flood insurance will depend on the coverage plan that you have selected. You need to do proper research for getting the coverage you require and at a low price. Arming yourself with flood insurance will save you from the aches and pains that could be caused by heavy losses incurred because of ravages of a flood. So be safe and not sorry. Get a flood insurance coverage as soon as possible.

Art Fennell Reports takes a cxloser look at flood insurance and how it can help you in a crisis or possibly give you a false sense of security.

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What Effects The Costs of Individual Health Insurance Coverage?

Jan09
2010 5 Comments

The Patient Protection and Affordable Care Act, otherwise known as the health reform bill will impact almost every American. One of the most important ways it will affect individual health insurance is that insurance companies will not be permitted to deny insurance to those with preexisting illnesses. Another important affect is that all Americans will be required to hold insurance. Insurance companies will be prohibited from placing annual and lifetime limits on coverage. Group health exchanges may also help to reduce the cost of insurance plans, giving individuals the buying power of large companies. You will be able to purchase insurance through a state exchange from 2014. The exchanges have yet to be formed, but the intended goal is to provide more affordable and subsidized individual plans. The Obama effects on individual health insurance addresses the biggest weaknesses in the individual health insurance market. Easy To Insure Me

As the reform bill was passed policy rates were climbing. A report revealed that members of the middle class were losing health insurance faster than any other income group. Those who missed the Government provided safety net because of their income were thrown on the mercies of the individual market. Here, insurers have been denied coverage based on preexisting conditions and are vulnerable to charges of high and ever increasing premiums.

The limits insurers placed on who gets coverage is one of the three major problems that needed to be addressed in the individual market. The other two are the affordability and whether the policy would pay for what is needed when the insured gets sick. A study found that excluded conditions varied by insurer. In a 2001 study by the Georgetown Health Policy Institute, researchers 37 percent of applications were rejected. There were insurers who would turn you down if you had hay fever. The public thus was a victim of a roulette insurance market. How easy is it for individuals to wade their way through the market to insurers who would cover them is a question. Although federal law requires insurers to sell policies to certain people who lose group coverage, including those who lost their jobs due to lay offs; but places no limits on what an insurer can charge. In February 2010, Connecticut announced that health premiums for individual medical plans rose in price by 20 percent over in 2009. In this void have stepped some states in varying degrees. Maine, Massachusetts, New Jersey, New York and Vermont required insurers to sell individual policies to everyone, irrespective of their health. Washington state required insurers to take individuals with some health problems. While, Iowa required insurers to cover preexisting conditions in new applicants, if they had insurance previously for those conditions and did not let the insurance lapse.

Of those who do buy their own insurance the health insurance market works well for some; but, not for others. In the individual market prior to the reform bill, in order to lower their risks insurers preferred the healthiest applicants. In most states, insurers may consider the health history of the applicant in deciding coverage and its cost. Unlike group plans offered by employers which provide coverage to everyone, there is no guarantee in most states individuals can obtain insurance. It has been realized that solving problems in the individual market would improve the health care crisis. In California, Connecticut and several other states regulators have taken actions against insurers who revoked individual coverage after policyholders fell ill. Before the President won the election Senators Ron Wyden, a Democrat from Oregon, and Bob Bennett, a Republican from Utah were supporting a bill that would shift workers getting coverage through employers to purchase their own insurance. The intention of their proposal was to break the link between employment and insurance. The two supporters of the bill believed this would let people keep their coverage even when they lost or switched their job. The proposal would have required everyone to have coverage and insurers to sell insurance to all applicants. The health reform bill has addressed these failings. Both presidential candidates had expressed the desire to improve options for people who buy their own coverage. Candidate Obama wanted to allow individuals and small firms to have the bargaining leverage and purchasing power of latge firms by creating ways for individuals to buy insurance in groups. Advisors to candidate McCain had acknowledged the current system was broken. Douglas Holtz Eakin, who was a senior policy adviser noted that he did not want to give the impression the individual or small group market is a good place to be, as it was not

The public hospitals have been at the vanguard of the victims of inadequate and absent coverage. They have provided for the uninsured and those under insured by Medicaid, that reimburses them at below cost. They are also unable to compete with private and nonprofit hospitals for patents with private health insurance coverage. Yet, the cost of providing care to the uninsured and under insured has climbed and taxpayer support remained static.

Currently employers are looking to shift more burdens to their employees due to rise in the cost of health insurance. A Reuters research team in analyzing claim data has discovered that smaller employers saw costs rise the most. According to a report released in March 2010, the cost for an employer to offer individual plans to workers increased by 43 percent over a eight-year period. The amount employees paid for the single plans increased over 64 percent.

Large corporate employees have enjoyed the most secure and highest quality coverage in the nation during their employment. They have not been victimized during their employment with revocation or denial due to preexisting conditions. Nevertheless, a recently released annual survey by the National Business Group on Health has indicated that the impact of rising costs means this island of safety is about to be buffeted. This surveyed large employers indicated they were considering shifting more of the cost on their employees.

Harvard researchers looking into what portion of bankruptcy filers filed for medical reasons found some enlightening information. They found that illness caused the majority of filings. The study looked at a year that preceded the housing bust; but reveals what is the general scenario absenting this reason. The larger segment of filers were covered by insurance they lost or proved to be inadequate. Majority of these were middle class homeowners who had college degrees. The study revealed the vulnerability of Americans who were literally one major illness from bankruptcy. There are big Obama effects on individual health insurance coverage. Certainly there are due to be major Obama effects on individual health insurance.

Question by Freakgirl: Health insurance?
I need it. going to pay out-of-pocket. 40 year old non smoking female, healthy. Any tips? Anything I should know? I’ve never shopped for health insurance, have no idea what I’m doing.

Best answer:

Answer by Rick
The number one thing to look at:

Make sure you use a local agent who represents several carriers in your area. You want a non bias opinion on the health insurance you are going to be purchasing.

Also, look into Health Savings Account Qualified Plans. They make ton’s of sense for the self employed.

Good luck

Know better? Leave your own answer in the comments!

(PRWEB) July 29, 2005

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Unicare Health Insurance now open for enrollment to Michigan residents. Unicare offers several plans in some cases much less than the top carriers in the state. Unicare is first to offer 100% online application and Rapid processing for internet users.

Unicare offers individual health insurance in several states. Individual Health insurance is offered in Texas, Illinois, Michigan, Virigina and Indiana.

“My customers are excited to have another option for health insurance care in the great state of Michigan” says agent Kimberly A. CLine

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” Unicare Health Insurance is our TOP selling product both for Online Health Insurance customers and Individual health Insurance customers, making it over 95% of our online health insurance sales.” says Jeff CLine – Agent

Unicare Health insurance is utilizing the PPOM network, which is the largest network in the state.

Online health insurance quotes and more information available at the following web links:

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Posted in Health Insurance - Tagged Effects, Health, Individual, Insurance

How To Get Cheaper Motorcycle Insurance Rates

Jan09
2010 12 Comments

by bayat

Motorcycle insurance is necessary for those who own and use a motorcycle. There are three types of motorcycle insurance available to you. Comprehensive motorcycle insurance, third party property damage insurance and veteran, vintage and classic vehicle insurance are the three types of insurance available to you.

Comprehensive motorcycle insurance provides you with complete insurance coverage, which includes providing your bike with complete cover and providing for damages you may cause to someone’s property with your bike. This type of coverage works well for scooters, too.

Third party property damage motorcycle insurance is a type of insurance that will cover someone else’s property and their vehicle, but it will not provide protection for your own bike.

Veteran, vintage and classic vehicle insurance is a type for those bikes over 15 years of age that are not driven as much because they are used for a hobby or recreational use only.

In addition to these types of insurance for your motorcycle, you also need to have third party insurance, which provides protection for those you injury while on your motorcycle. This type of insurance is compulsory in order to register your motorcycle in the ACT.

Coverage Under Motorcycle Insurance:

Most people will need to have comprehensive motorcycle insurance. There are a number of different amounts of coverage you can purchase, based on the budget you have and the amount of protection you want to have for your bike.

In this type of insurance, the insurance company will likely cover costs related to an accident you are in, which may include repairing or replacing the vehicle, or paying you a payout at the agreed or market value of the motorcycle. It will likely cover the costs of fire, repairing or replacing of locks, and it provides a policy that protects others. As part of the comprehensive package, this liability coverage will provide a great deal of coverage for you should you hurt someone while on your motorcycle, including legal fees, payout for damages, damage caused by any of your passengers, or coverage for your employer if your motorcycle is used for business purposes.

The comprehensive plan will provide your motorcycle with coverage from storms, thefts, replacement when the vehicle is a total loss, and towing. You are not covered when you take your motorcycle out of the country, and most comprehensive motorcycle insurance policies will not provide you with cover for mechanical failures.

In addition to this, any individual operating a motorcycle in Australia will require third party insurance, or TPI. This type of insurance provides you with protection from personal injury claims that are made against you by other road users, when you cause an accident.

Questions for Your Provider:

If you have particular needs, talk to your insurance company. Policies should include liability protection, but even a comprehensive package may not be enough. Putting together a thorough package that includes comprehensive insurance as well as third party insurance is a must for most insurance companies. Ask your provider:

How to make claims:

What is covered and what is not covered (be sure to be specific here) What happens to your policy and premium payments when you have an accident and make a claim (does the rate go up) Are there any discounts for coupling your motorcycle insurance with other types?

Ways to Save on Motorcycle Insurance:

Get the right package of insurance for you. If you do not drive your motorcycle often, it may qualify for the lower costing Vintage insurance. If you use your motorcycle for business, be sure to let the provider know about this ahead of time.

The most important way to get a lower price on your insurance for your motorcycle is to take advantage of comparison shopping. Talk to several insurance companies to find out what they can provide to you. In many situations, you will find discounts for additional policies, too. Insuring your vehicle with your motorcycle can lower the rate you pay in total.

Beware Before Signing:

Read through your motorcycle insurance policy thoroughly. The policy will have a specific page that lists all items that are covered and are not covered. Be sure you understand what is not covered and get an explanation of any of these. That will be the final deciding factor as to if you should sign or not. Be sure that you have a full understanding of your policy!

Additional Coverage to Consider:

In addition to comprehensive motorcycle insurance, make sure you also have third party property damage motorcycle insurance. Consider the benefits of adding any add-ons to your policy should they fit (such as roadside assistance.) Also, look to what the lender will provide you including discounts, rewards, hire car, and after accident care, which may be add-ons in some situations. Some will provide you with lifetime guarantees on repairs as well.

Kyle Bradshaw of Cruiser Customizing goes out to six of the leading Motorcycle Insurance Providers in an attempt to clear the water a bit… Are you Covered? Read the specifics about what the Insurance companies had to day in the Motorcycle Insurance Tip of the Week Story. Motorcycle Insurance can be one of the most daunting tasks just before or just after getting your motorcycle. What do you need? What don’t you need? What can you get for free? After talking to 6 of the leading Motorcycle Insurance companies, I was able to glean some universal information. What Tips can YOU Share with Us? Thank you for watching this weeks Cruiser Customizing Tip of the Week. Until Next Week, Take Care & Ride Safe Kyle Bradshaw aka: Manybikes
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Question by Dan: Motorcycle insurance?
I am looking to get a motorcycle in the future and I know it takes time and money, but most people do not ride in the winter (NJ), so my question is, can I cancel my motorcycle insurance during winter months, so I am not paying all year round? Also, are there any reprocussions to doing this?

Thanks.

Best answer:

Answer by xarmywife
Call Geico – that’s who my hubby has his cycle insurance with and he’s totally happy with them. I’m sure they would be happy to answer any questions you may have!

Know better? Leave your own answer in the comments!

Posted in Motorcycle Insurance - Tagged Insurance, Motorcycle

What is Optional Auto Insurance Coverage?

Jan05
2010 1 Comment

There are a many forms of automobile insurance outside of typical, state mandated liability coverage: Medical Payments Insurance, Personal Injury Protection (referred to as “PIP” – covers a broader area, such as lost wages, funeral expenses, and pain and suffering), Collision, Comprehensive, Gap Insurance, Uninsured and Under Insured Motorist.

Medical Payments Insurance – This type of insurance coverage pays for medical bills (for you or anyone else) up to a certain amount arising from the use of your vehicle regardless of fault. Theoretically, because it pays regardless of fault, the insurance would cover your medical expenses if you were to crash your car into a fencepost. This type of insurance is usually sold in increments of ,000 to ,000. The coverage extends to your immediate family members (who reside in your household) while they are passengers in another person’s car, and would cover medical expenses regardless of the other driver’s own insurance policy. Medical Payments Insurance is also referred to as “MedPay”.

Personal Injury Protection – “PIP” insurance covers the “named insured” along with members of his or her household who are related by blood, marriage, adoption, and/or foster and step children. PIP covers medical expenses for injuries sustained in an auto accident up to three years after the date of the incident. In addition to medical expenses, PIP can also cover lost wages, funeral expenses, and loss of services (payment to others for work you can’t do). Similar to MedPay, Personal Injury Protection will cover your medical expenses regardless of driver fault.

Collision – This optional form of insurance pays for damage to your car in an auto accident even if you’re the at fault driver (such as crashing your car into a tree or a telephone pole). Collision insurance would also cover repairs to your car when you are involved in an accident and the other driver does not have liability coverage. Although collision does cover repairs to your car regardless of the situation, there are limits to the amount of repairs: your insurance company is only required to pay the difference between the salvage value of your car and the pre-accident cash value of your car. Let’s say your car is worth ,000 and the salvage value is ,000. In this example, your insurance company is only required to pay up to ,000 in repairs, regardless of what you think the value of your car is. Collision insurance does have an optional “replacement cost coverage” for new or vintage cars. This additional coverage provides for the replacement cost of the new or vintage car. Although not required by any state, lenders and leasing companies will typically require clients to carry Collision Insurance.

Comprehensive – This type of insurance is very similar to Collision Insurance; the major differing factor is that Comprehensive covers damage to your vehicle by an “unknown entity” or “an act of God”. In addition to an auto accident, areas of coverage include the following: vandalism, hurricane, flood, theft, and fire. Your insurance company is only required to pay up to the fair market value of your car minus your policy’s deductible. Although not required by any state, lenders and leasing companies will typically require their clients to carry Collision Insurance.

Gap Insurance – This insurance pays for the difference between what one owes on a vehicle, and what the insurance company claims your car is worth. For example: you owe ,000 on a car and you somehow manage to total the car in an accident. Your insurance company determines your car is only worth ,000, so that is all they will pay. You’re now stuck paying off a ,000 loan for a car that no longer exists. Gap insurance would normally cover that ,000 difference. There are some limitations and restrictions for Gap Insurance. For example: Gap Insurance is typically unavailable on older cars and not all insurance companies will offer it. It’s best to check with your insurance company to get the full details on Gap Insurance coverage.

Uninsured and Under Insured Motorist – Just like the title states, this type of insurance covers you and your vehicle in case the other driver is not properly insured and he or she is determined to be at fault. Not all states require this type of insurance, but a handful do. It’s recommended that you purchase this coverage because if you are involved in a fender-bender with an uninsured motorist, it is highly unlikely you will receive any payment for damages to you or your vehicle if the other driver is at fault and uninsured or under insured. UM/UIM is generally affordable and can be purchased in varying amounts of coverage.

PIP insurance, or personal injury protection, means that all injuries related to an accident will be paid for regardless of who is at fault. Talk to a car insurance agent to get the specifics on PIP insurance withinformation from a licensed insurance agent in this free video on insurance and personal finance. Expert: William Rae Contact: www.hbwfl.com Bio: William Rae has been licensed in the insurance and financial fields for more than 30 years. Filmmaker: Christopher Rokosz
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Question by coguy226: Finding a physician who will accept Farmers PIP Insurance?
I was recently in a car wreck and am trying to find a doctor who will accept Farmers PIP insurance in the DFW area. I understand I can pay myself and get reimbursed, but do not want to go that route. Anyone know where I can look besides the ER?

Best answer:

Answer by oklatom
No automotive medical policy is on a “pay as you go” basis. You find the doctor, get the needed treatment, and when it’s over and done with they are interested only in the total, which they will reimburse you. If you haven’t paid the doctor anything, your losses are zero, and that is what you will get. Doesn’t matter if you owe him…

What do you think? Answer below!

Posted in PIP Insurance - Tagged Auto, Coverage, Insurance, Optional

Where Can I Get Cheap Motorcycle Insurance?

The Real World Guide to Buying Car and Motorcycle Insurance in Wisconsin

Facts About National Flood Insurance Every Homeowner Should Know

Do You Really Need Flood Insurance?

Insurance for Dummies

What Effects The Costs of Individual Health Insurance Coverage?

How To Get Cheaper Motorcycle Insurance Rates

What is Optional Auto Insurance Coverage?

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