Most travel insurance plans offer coverage for baggage & personal items loss. This benefit is most commonly associated with luggage, clothing or cameras. However, golf clubs can be covered as well. There is normally a per item dollar limit and a policy dollar limit with baggage & personal items loss, which may be less than the value of a set of golf clubs. Normally, this benefit is secondary coverage, meaning that a claim must first be made through any homeowners insurance or renters insurance that the traveler may have. There are travel insurance plans specifically designed to cover golf package vacations, with increased coverage for golf equipment and greens fees for canceled tee times. Always refer to the certificate of insurance for details.
Archive for December 5th, 2009
Old Cars Kept in the Belief that it Will Cut back Premium Expenses
0More and more car owners today are saving extra dollars by keeping and maintaining their existing cars instead of purchasing newer models. Now, the current financial condition still has them looking over their old vehicles, but in an attempt to save more, drivers today also tune up their aging vehicle’s insurance.
Major insurance providers in US states such as New York say that the changes in consumer attitude are happening extremely well day after day. According to them, New York policyholders look for more ways to save on car insurance, and of them is by maintaining their old cars as well as their old insurance policy papers. Insurance companies from Minnesota and Illinois also noticed that their clients are keeping their cars much longer and refrain from purchase recently released car models. Industry experts say this might be because drivers have realized that a good way to cut back in premium costs it to have higher deductibles.
According to studies, modern vehicles and recently released models have what it takes to last longer with their more powerful engines and improved technology when compared to older cars. H
Motorists Confused: Can existing policies cover for car rentals?
0Reports indicate that the number of car rentals have boomed during the final quarter of 2009, which experts say is a result to the continuous hike in car operating costs and auto insurance premiums. As the costs of owning a car goes up, people who do not need to own a vehicle now lean on renting a car instead of buying one. Likewise, those who previously own an old vehicle prefer to rent newer models than to purchase them. For those who prefer car rental, the next question is – will your auto insurance cover for your rented vehicle?
To assist consumers on making auto insurance purchases, local groups are starting campaigns that promote information regarding extending the coverage of existing policies for car rentals. As more and more drivers rent cars, local groups now focus their attention to the welfare of car rental customers and to make sure that rental companies do not take advantage of the situation. Pa
New Jersey Fee Schedule: Effective or Not?
0State authorities are contemplating whether the implementation of a fee schedule since April 2009 was effective or not in controlling the escalating costs of medical care that comes with auto insurance claims.
According to records, the fee schedule has been in the works for a long time when the Appellate Division of the New Jersey Superior Court ruled that the schedule be implemented. The fee schedule is a list of maximum allowable charges for some general medical treatments and procedures linked with collisions and car accidents. Designed primarily to lay down reasonable limits on what insurers pay for medical expenses, the schedule was tied up in court hearings after the New Jersey Medical Society took legal action to stop the schedule from being implemented. Now that 2009 comes to a close, industry insiders and state officials are wondering if the court’s decision was right and if the fee schedule did serve its purpose.
According to reports, the schedule did a very good job in lessening the burden of time-consuming and expensive disputes regarding charges. E
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