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mardi 30 novembre 2010
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The Complete Book of Intelligence Tests
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Is Getting Cheap Auto Insurance Online a Good Idea?
Good Idea
Some people will tell you that you get what you pay for, and that if it seems too good to be true, it probably is, but neither statement really applies when you are buying cheap auto insurance online. The internet has proven to be the best way for millions of consumers to buy car insurance, resulting in a better policy and a cheaper rate.
Car Insurance Quote
Car Insurance Quote
Where should you go to get a car insurance quote? Well, the first thing you have to realize is that you will be faced with a lot of choices before you will be able to make this decision.
I recommend you find the place that will offer you the least biased car insurance quote. That can be difficult. Let me tell you a story about a woman who was looking for one and the troubles she had along the way. With any luck, you can avoid the same mistakes that she made throughout the process.
I recommend you find the place that will offer you the least biased car insurance quote. That can be difficult. Let me tell you a story about a woman who was looking for one and the troubles she had along the way. With any luck, you can avoid the same mistakes that she made throughout the process.
The Insurance Policy Is a Contract - Who Is First Party and Who Is Third Party?
You've probably heard the phrases first party and third party in relation to insurance, right? Do you know what they mean? Perhaps. But, for the sake of those who may not, let's chat about it.
An insurance policy is a contract. A contract is comprised of several elements: a meeting of the minds, an offer, an acceptance and an exchange of something of value. In the case of the insurance policy, the company offers x-y-z coverage for x dollar premium amount. The insured accepts the offer and pays the specified premium in exchange for the promise by the insurance company to pay for whatever damage may occur in accordance with the terms of the contract.
In an insurance contract, the insurance company is the one that draws up the agreement and, thus, is considered the second party to the contract. The insured accepts the drawn up agreement and is considered the first party to the contract. All coverage directly relating to the insured are first party coverages. In simple terms, first party is about you and your stuff. A third party is an entity not a direct party to the subject contract but who may have rights to benefits of the subject contract. In other words, if the contract promises to protect you (first party) against damages you cause to another person or entity (third party), that other person or entity may be eligible to receive monetary benefits from your policy.
When you obtain an insurance policy, you are securing coverage for yourself and your things (first party) and coverage for the other guy (third party). Since first party coverage is about you and your things, examples of first party coverage in an auto policy are Collision, Comprehensive (for non-collision losses like vandalism, theft, fire) and Medical Payments. In regard to Medical Payments, there are a number of States that have No Fault Insurance Laws in force and their Medical Payments coverage falls under what is called Personal Injury Protection (PIP). These No Fault States each have their own versions of Personal Injury Protection coverage which typically provides a broader scope of benefits well beyond simple medical bill payments, and may also include wage loss, substitute services and even death benefits. PIP is also a mandatory coverage in No Fault States.
An insurance policy is a contract. A contract is comprised of several elements: a meeting of the minds, an offer, an acceptance and an exchange of something of value. In the case of the insurance policy, the company offers x-y-z coverage for x dollar premium amount. The insured accepts the offer and pays the specified premium in exchange for the promise by the insurance company to pay for whatever damage may occur in accordance with the terms of the contract.
In an insurance contract, the insurance company is the one that draws up the agreement and, thus, is considered the second party to the contract. The insured accepts the drawn up agreement and is considered the first party to the contract. All coverage directly relating to the insured are first party coverages. In simple terms, first party is about you and your stuff. A third party is an entity not a direct party to the subject contract but who may have rights to benefits of the subject contract. In other words, if the contract promises to protect you (first party) against damages you cause to another person or entity (third party), that other person or entity may be eligible to receive monetary benefits from your policy.
When you obtain an insurance policy, you are securing coverage for yourself and your things (first party) and coverage for the other guy (third party). Since first party coverage is about you and your things, examples of first party coverage in an auto policy are Collision, Comprehensive (for non-collision losses like vandalism, theft, fire) and Medical Payments. In regard to Medical Payments, there are a number of States that have No Fault Insurance Laws in force and their Medical Payments coverage falls under what is called Personal Injury Protection (PIP). These No Fault States each have their own versions of Personal Injury Protection coverage which typically provides a broader scope of benefits well beyond simple medical bill payments, and may also include wage loss, substitute services and even death benefits. PIP is also a mandatory coverage in No Fault States.
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