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If the accident was the other driver's fault, and this is accepted by the third party's insurer, you'll be able to reclaim your excess payment from the other person's insurance company.
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Payments for the damages to the other driver's car, as well as payments for injury claims for the driver and passenger, would be paid out under this same coverage.
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In the example given above, payments for the other driver's vehicle would be paid out under property damage coverage, and payments for the injuries would be paid out under bodily injury coverage.
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Its primary use is to provide protection against losses incurred as a result of traffic accidents and against liability that could be incurred in an accident.
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The type and amount of health care costs that will be covered by the health plan are specified in advance, in the member contract or Evidence of Coverage booklet.
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It may take several doctor's visits or prescription refills before the policy-holder reaches the deductible and the health plan starts to pay for care.
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Health insurance works by estimating the overall risk of healthcare expenses and developing a routine finance structure that will ensure that money is available to pay for the healthcare benefits specified in the insurance agreement.
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The benefit is administered by a central organization, most often either a government agency or a private or not-for-profit entity operating a health plan.
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The state of New Hampshire, for example, does not require motorists to carry liability insurance, while in Virginia residents must pay the state a $500 annual fee per vehicle if they choose not to buy liability insurance.
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Penalties for not purchasing car insurance vary by state, but often involve a substantial fine, license and/or registration suspension or revocation, as well as possible jail time in some states.
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Usually, the minimum required by law is third party insurance to protect third parties against the financial consequences of loss, damage or injury caused by a vehicle.
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Some states require that motorists carry minimum levels of car insurance coverage in order to ensure that its drivers can cover the cost of damages to people or property in the event of an car accident.
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In the United States, liability insurance covers claims against the policy holder and generally, any other operator of the insured vehicles provided, do not live at the same address as the policy holder, and are not specifically excluded on the policy.
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This coverage is available only to those who do not own their own vehicle and is sometimes required by the government for drivers who have previously been found at fault in an accident.
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This coverage, however, cannot apply to rental cars because the insurance company does not want to assume responsibility for a claim greater than the value of the insured’s vehicle, assuming that a rental car may be worth more than the insured’s vehicle.
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These policies may be unnecessary for many customers as credit card companies, such as Visa and MasterCard, now provide supplemental collision damage coverage to rental cars if the transaction is processed using one of their cards.
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Liability coverage provides a fixed dollar amount of coverage for damages that an insured driver becomes legally liable to pay due to an accident or other negligence.
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In this example, the drivers insured may also become liable for other expenses related to damaging the telephone pole, such as loss of service claims (by the telephone company).
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An excess payment, also known as a deductible, is the fixed contribution you must pay each time your car is repaired through your car insurance policy.
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Normally the payment is made directly to the accident repair "garage" (The term "garage" refers where vehicles are serviced and repaired) when you collect the car.
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