Several factors influence auto insurance premiums, including your driving history, age, location, type of vehicle, and the coverage options you choose. Understanding these factors can help you find the best rates.
First, ensure everyone’s safety and seek medical help if needed. Next, exchange information with other parties, document the accident scene, and contact your insurance provider promptly to report the incident.
Coverage for rental cars depends on your policy. Some auto insurance policies include rental car coverage, but limits and conditions may vary. Check with your insurer to understand your specific coverage details.
Yes, most insurance providers offer customizable auto insurance policies. You can select from various coverage options, deductibles, and additional features to tailor your policy to your specific needs.
Collision coverage typically protects against damage to your vehicle from accidents involving other vehicles or objects. In contrast, comprehensive coverage protects against damage from incidents such as theft, vandalism, or natural disasters.
A deductible is the amount you must pay out-of-pocket for covered medical expenses before your health insurance plan begins to pay for your care. Understanding your deductible is crucial for effective financial planning regarding your healthcare costs.
Whether you can keep your current doctor depends on the provider network of your health insurance plan. Be sure to check with your insurer or review the provider directory to confirm if your doctor is included in the network.
HMO (Health Maintenance Organization) plans typically require you to select a primary care physician and obtain referrals to see specialists. In contrast, PPO (Preferred Provider Organization) plans offer greater flexibility in choosing providers but often come with higher costs.
Yes, many health insurance plans cover preventive care services, such as vaccinations, screenings, and annual check-ups, without requiring you to meet a deductible or pay a copayment. This coverage helps promote overall health and early detection of issues.
Can I change my health insurance plan outside of open enrollment?
Term life insurance provides coverage for a specific period, while whole life insurance provides coverage for your entire life and includes a cash value component.
The amount of coverage you need depends on factors such as your income, debts, lifestyle, and future financial obligations. A financial advisor can help you determine an appropriate coverage amount.
Yes, many life insurance policies allow you to make changes. You may be able to adjust coverage amounts, add riders for additional protection, or convert a term policy to a permanent policy.
If you miss a premium payment, your life insurance policy may enter a grace period during which you can make the payment without coverage lapsing. However, if you continue to miss payments, your policy may eventually lapse.
Generally, life insurance death benefits paid to beneficiaries are not taxable as income. However, there may be exceptions for policies with investment components or estate tax considerations.
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Quickly access the details and status of your claim with our user-friendly information service. Stay informed and confident throughout the claims process with Lewis & Associates Insurance.
Quickly access the details and status of your claim with our easy-to-use information service.
Quickly access the details and status of your claim with our easy-to-use information service.
Quickly access the details and status of your claim with our easy-to-use information service.
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