Does business insurance cover fraud perpetrated by an imposter?

Puffy Lux
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I hired someone who represented themselves as being with company A to do a job that did not get done. I paid them for the work up front. When investigating, I found out this person does not work for company A and I was actually defrauded. They have been identified and authorities are pursuing criminal charges. Does company A’s insurance generally cover this type of fraud? If so, how do I start a claim? If it matters, I lost $2400.

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Hit a curb in a dark street, will insurance cover it?

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Puffy Lux

I had just picked up some friends that needed a ride and was going up a hill and it was quite a dark road in which I hit a tall curb. Will insurance cover it despite being in great damage. Tow truck driver had mentioned it was a total loss because of the air bags being deployed.

Puffy Lux

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Does “uninsured” motorist coverage also cover underinsured motorist scenarios?

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Puffy Lux

I was by a car while riding my bike. I am now learning about my insurance coverage.

LA Series

I love in California. I have auto insurance through Allstate. My policy includes "uninsured" motorist coverage. It does not mention anything about "underinsured."

My question: Am I covered for a scenario in which another motorist is underinsured? Are these terms synonymous? Meaning, Uninsured = Uninsured/Underinsured?

Or was I supposed to add underinsured to my policy in addition to uninsured?

Thanks for any help. Just trying to learn as much as I can before trying to handle this.

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What does insurance cover for a newborn baby?

Puffy Lux
Better water better life

I think I’m overthinking this, I’m hoping someone can help explain it to me better or tell me if I’m correct in this.

Roses

So, I’m 24, still a dependent on my father’s health insurance through his company. I’m due with my first baby in early October. I’m lucky enough that maternity services are extended to me as a dependent, and so far everything has been covered no problem. My estimated bill for my hospital delivery is completely reasonable.

My question is, when baby is born, will my dads insurance be covering anything for baby? I know I have 30 days to get him his own policy, so does that mean his treatment in the hospital and visit from the pediatrician during our stay will be backdated and transferred to whatever new policy we select? My fiancé and I are planning on getting a family policy through one of our workplaces, whoever’s is better. Is this the right thing to do??

Another concern I have as I’m now 28 weeks is preterm birth. Is it the same kind of situation if he was born premature? His birth starts a qualifying life event and I can then get a policy through my employer?

And my last question is if I can get accurate policy information from my employer now about what the costs would be for my fiance, baby and I if we were to enroll in the plan, or could things change between now and then?

Thanks in advance!

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How to get insurance to cover pre surgery drug test?

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Puffy Lux

Recently had surgery. Apparently at this hospital, they drug test as part of all that pre surgery jazz. Not surprisingly, insurance rejected it as not medically necessary. Any tips to get it covered? Or, is the hospital doing something weird?

Wiper Blades USA

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Does Auto Insurance Cover Items in the Car?

Puffy Lux
Better water better life

Auto insurance covers a wide range of things aside from only medical bills and the cost to repair your car. It also covers a range of items within your car, both specific and named, and those items that you may have in your car when you are driving around. For those that live in the Dripping Springs, TX area, the agents with Ty Lawrence Insurance Agency can help you find the policy that protects your car and the things you drive around with.

For the most part, your auto policy is going to lean heavy on the side of insuring things like the car itself and covering the medical bills of those involved in an accident. It does, however, cover some other things too that you may not even realize. If you have car seats inside your car, for instance, your auto policy will help with the cost of replacing those car seats so that any children riding with you have new, accident-free seats. Your auto policy may also cover things like purses and expensive items you are carrying in your car at the time of an accident.

Puffy Lux

Say for instance you have just been to an expensive shop and you have the items you purchased in the car with you. The car catches on fire and everything is destroyed, your auto policy will help with the cost of replacing some of those items. It is important to note that auto policies have a certain cap of sorts on the price of contents unless you can prove that there was something in the car that was destroyed. This means you cannot simply claim you had a $200,000 watch in the car that was destroyed without some sort of proof.

For those in the Dripping Springs, TX area, the agents with Ty Lawrence Insurance Agency can help you find the policy that fits all your needs.

Does My Auto Insurance Cover Rental Cars?

Puffy Lux
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When it comes time to rent a car, here are two common questions that customers often ask us:

  • Do I need to buy the insurance offered by rental car companies?
  • If I am in a car accident and need to rent a car, am I covered?

Let’s find out the answers.

Roses

INSURANCE OFFERED BY RENTAL CAR COMPANIES

You’re standing at the rental car counter and the person helping you asks if you want to buy insurance through them. Do you need it? Ultimately, it’s up to you but in most cases, you probably don’t, as your personal auto insurance should have you covered for liability claims, but your ERIE Agent can tell you for sure. Additionally, If you have collision and comprehensive coverage, you may also be covered for damage to the rental car.

Auto insurance from Erie Insurance is designed to suitably protect you and your family for incidental use of a car that’s not your own, such as a short-term rental of less than 45 days. The coverage extends to cars in the U.S. or Canada. That said, it’s a good idea to check with an insurance adviser like an ERIE agent beforehand since auto policies vary from person to person.

Here are a few questions to ask your agent about insurance and rental car coverage:

Q: When I rent a car for a combined business trip and a personal vacation, am I covered?
A: Your personal auto policy may not cover you, but your employer’s insurance might.

Q: If more than one person is driving the rental car, am I covered?
A: Your auto insurance likely only covers individuals that are on your policy, such as spouse or kids. So, in this scenario, coverage from the rental company could be a good idea.

Q: If my luggage, purse or personal possessions are stolen out of my rental car, am I covered?
A: Maybe. This depends on the details of your individual auto policy. In many cases, personal property may be covered by a homeowners or rental insurance policy, but not by your auto insurance. It may be worth asking an associate from the rental company what their policy is regarding personal property stolen from their vehicles.

Another option to consider: Many credit card companies offer rental car insurance if you pay the rental fee using their card. Just know that this coverage typically only covers physical damage to the rental car, so you’ll still need separate liability coverage. Get in touch with your credit card company to ask for details.

With liability coverage, there are a few things you should consider. Most states have a required minimum amount of liability coverage, which rental car companies are required by law to offer, but that still may not give you enough protection. If you have personal auto insurance and have opted for higher liability limits, you’ll be better protected.

INSURANCE FOR RENTING A CAR AFTER AN ACCIDENT

If your car needs to be in the shop for a while after an accident, you may need to rent a car. Most auto insurance policies offer rental reimbursement coverage for a nominal extra charge, but sometimes auto insurance shoppers skip adding it to their policies.

With ERIE, basic rental car coverage is automatically included in most states if you’ve purchased comprehensive coverage. That means if your car is disabled because of a fire, theft, glass damage or another comprehensive type claim that may be covered under your policy, you’re covered for a compact sedan rental car. If you need a bigger rental vehicle, you could buy additional coverage (details below).

Related: When is a car considered “totaled”… and what happens when it is?

To have rental car coverage while your vehicle is being repaired from collision losses, such as hitting another car or a fence, building or pole, you would need to purchase collision coverage and add the rental car coverage to your policy.

At ERIE, this add-on coverage is called Transportation Expenses. It allows you to select a class of vehicle you want. It’s a nice benefit, because if you are a family of six… a compact sedan is probably not going to work. There are six classes* from which to choose:

  • Class 1: Compact sedan
  • Class 2: Traditional sedan
  • Class 3: Small SUV or pickup truck
  • Class 4: Minivan or midsize SUV
  • Class 5: Luxury sedan or large SUV
  • Class 6: Specially equipped vehicle that can be operated and accessed by an individual with a disability.

IS TURO COVERED BY INSURANCE?

Looking for a rental with a personality that matches yours? TURO (formerly RelayRides), is a carsharing platform that allows car owners to ‘host’ their vehicles, cutting out the rental counter and adding a more personal feel to your rental experience. While auto coverage with ERIE will cover you if you are renting a car through TURO, it will not if you are hosting (i.e. renting your vehicle out). A rental through TURO would also be covered under Transportation Expenses as a temporary substitute after an accident.

With that in mind, it’s easy to add rental car expense coverage to your auto insurance policyJust ask your agent to add Transportation Expense Coverage.

And, while you’re at it, consider adding Emergency Roadside Service Coverage. Insurance rules vary by state, so it is best to check with a trusted insurance advisor to review the specifics of your auto policy. Contact your local ERIE agent to help you determine what best meets your needs.

This story was originally published in 2018. It was updated with new information on April 29, 2019.

*With ERIE, you can choose from six classes of rental car options, each with a corresponding premium rate. North Carolina and Virginia offer a monetary reimbursement subject to purchased limits of coverage. Rental car classes do not apply.

What Does Car Insurance Typically Cover? | Allstate Insurance

Puffy Lux
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Shopping for car insurance? Learn about the common types of coverage, including auto liability, comprehensive, collision and more.

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No one wants to think about getting into a car accident, but it’s a risk drivers face every day on the roads. The various types of car insurance coverage are available to help protect you, your passengers and your vehicle in the event of a car accident. Here are some common car insurance coverage options.

Liability Coverage

Auto liability coverage is mandatory in most states. Drivers are legally required to purchase at least the minimum amount of liability coverage set by state law. Liability coverage has two components:

  • Bodily injury liability may help pay for costs related to another person’s injuries if you cause an accident.
  • Property damage liability may help pay for damage you cause to another person’s property while driving.

Uninsured and Underinsured Motorist Coverage

If you’re hit by a driver who doesn’t have insurance, uninsured motorist coverage may help pay for your medical bills or, in some states, repairs to your vehicle. If you’re hit by an underinsured driver, their liability limits aren’t enough to cover your resulting medical bills. That’s where underinsured motorist coverage may help.

Uninsured and underinsured motorist coverage is required in some states and optional in other states.

Comprehensive Coverage

Comprehensive may help cover damage to your car from things like theft, fire, natural disasters or vandalism. If your car is damaged by a covered peril, comprehensive coverage may help pay to repair or replace your vehicle (up to the vehicle’s market value). This coverage has a deductible, which is the amount you’ll pay out of pocket before your insurer reimburses you for a covered claim.

Comprehensive is typically an optional coverage — but your lender may require it if you’re leasing or paying off your vehicle.

Collision Coverage

If you’re involved in an accident with another vehicle, or if you hit an object such as a fence, collision coverage may help. This coverage may help pay to repair or replace your car (up to its market value) after you pay your deductible toward a covered claim.

Collision coverage is typically optional. It may be required, however, by your vehicle’s leaseholder or lender.

Medical Payments Coverage

If you, your passengers or family members who are driving the insured vehicle are injured in an accident, medical payments coverage may help pay for costs associated with the injuries. Coverage may help pay for hospital visits, surgery, X-rays and more.

Medical payments coverage is required in some states and optional in others.

Personal Injury Protection

Personal injury protection, or PIP, is only available in some states. Like medical payments coverage, PIP may help pay for your medical expenses after an accident. In addition, PIP may also help cover other expenses incurred because of your injuries — for example, child care expenses or lost income.

Personal injury protection is required in some states and optional in other states where it’s available.

The typical components of an auto insurance policy are available to help protect you and your vehicle. Need help understanding which coverages are required and optional in your state? Talk to a local agent, who can help you choose the options that are right for you.

https://www.allstate.com/tr/car-insurance/components-auto-insurance.aspx

what is comprehensive insurance when not to file an insurance claim does auto insurance cover theft

what is comprehensive insurance when not to file an insurance claim does auto insurance cover theft
Puffy Lux
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Houston Attorney Eric Dick Law Firm Property Damage Home Insurance Claim Specialist Hailstorm Wind Roof Allstate State Farm USAA Liberty Mutual Lawyer Multistreaming with https://restream.io/

Will Your Car Insurance Cover You Out of State?

Puffy Lux
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