Med Pay is a great benefit to be added to your auto insurance policy. Med Pay is usually available in lower sums, like $1000, $5000, etc., regardless of who’s at fault in an accident. Med Pay can be used to pay for some of you and your passengers’ health insurance related costs.
Determining if you can use a personal auto insurance policy or that you should get a commercial auto insurance policy can be tricky. Sometimes you can buy a personal auto policy for business use and can be enough for some businesses. But if you are required to cover high liability coverage, have an unusual vehicle to insure, haul equipment, are a taxi or rideshare driver, you are probably going to need commercial auto insurance or special endorsements and coverages.
Many drivers would not even consider looking into insurance coverage on an after-market audio system. There are a few things to consider, however. Is it covered by your auto insurance?
Uninsured and underinsured motorist coverage is used when you are hit by a driver that has insufficient coverage or no coverage at all. This optional coverage helps to compensate you for damages, up to your policy limit.
If your car was hit by someone and they do the legal/right thing by admitting it and paying for it, all is well. The “at fault” driver’s insurance will cover it under their property damage portion of their insurance for your car to be fixed. In the case that someone hits your beautiful new car while you are in the store and drives away, what do you do?
Windshield / glass coverage pays the amount of a covered glass loss, and as an added perk, it has a low deductible. Your insurer will cover the full costs of the repairs up to your policy limit, and as long as the costs of the damages don’t exceed your coverage limit, you’ll pay only your small deductible.
Rental reimbursement would reimburse you for either your daily rental charges or your policy limit, whichever is less. It can be used after any covered collision or comprehensive loss (assuming you carry collision and comprehensive coverage). K4 and K5 coverage can also help with post-accident “loss-of-use” costs.
Dental and Vision Insurance in Nevada. Delta Dental, Metlife, and VSP Vision. Our health insurance agents are dental and vision insurance experts. We are a local Las Vegas health insurance broker with local, licensed and friendly health insurance agents. Call today and speak with one of our agents today.
Travel Insurance provides health insurance coverage for medical emergencies and evacuations outside of the United States. Emergency dental treatment is usually included and emergency transportation (ambulance, air lift) services are also covered. Typically, most insurance plans don’t cover outside the U.S., and any accident or illness would not be covered.