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Showing posts from August, 2022

Do I need car insurance?

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By having adequate auto insurance coverage in place, you can be confident in knowing you’re protected against road risks. That’s why selective’s highly personalized auto insurance experience offers a variety of optional personal auto coverage enhancements to further increase your protection. Accident forgiveness – waive any increase in your premium as a result of one at-fault accident diminishing deductible – automatically receive a $100 credit on your deductible and receive additional credit for every claim free year for up to a maximum of $500 in savings newer car replacement – in the event of a total vehicle loss, you will receive the actual cash value for a car one model year newer and with 15,000 fewer miles. Buying a car is a major investment – one you want to protect! most lenders requires borrowers to have car insurance, and most states have laws requiring drivers to have insurance. A car is always at risk. Accidents happen. When they do, insurance helps you protect

What Doesn't Workers' Compensation Insurance Cover?

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When a claim is denied, it means your employer's worker's compensation insurance adjuster believes your injury is not compensable, meaning that your injury was not caused by the work that you perform and it is not covered by workers' compensation. If the adjuster denies your claim, you have a right to challenge the decision. If a dispute regarding compensability occurs, you may seek help resolving the dispute from the bureau. Call an ombudsman at (800) 332-2667. Workers compensation and employers liability is a form of no-fault insurance provided by the employer for the employee. The employee gives up certain rights to sue in exchange for protection from injuries incurred on the job. Insurance rates are developed by taking all losses from similar employers and aggregating them. There are approximately 600 classifications of employers in north carolina and the classification your company falls under will effect the rates your business is eligible for. Rates ca

1. Renters insurance doesn’t cost a lot.

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Most landlords and property managers know just how vital a renters insurance can be for your tenants. The small cost to protect valuables and cover cases of damage to property in instances of tenant negligence. Even so, a surprising number of renters fail to hold a renters insurance policy to protect themselves and their personal property. Despite the relatively low cost, more than 50 percent of renters do not have renters insurance , according to a 2015 survey. A renters insurance policy offers coverage for the theft, loss or destruction of personal belongings in the event of a fire, storm or other covered peril. Check out the four standard coverage s on nearly all new hampshire renters insurance policies: personal property protects your personal belongings, including furniture, clothing, and electronics. Loss of use helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's b