If you are eligible for our car program, our company would certainly allow you to obtain an umbrella policy from another insurance company. However, you should check with the company offering the umbrella policy for their requirements. back to top

Umbrella policies usually require you to carry Bodily Injury Liability of $100,000/$300,000 or $250,000/$500,000 with Property Damage Liability of $50,000 or $100,000. Companies have different requirements. We can take the information necessary to prepare your quote and we can determine which of these coverages you qualify for. back to top

If you are eligible for our auto program, our company would certainly allow you to obtain an umbrella policy from another insurance company. However, you should check with the company offering the umbrella policy for their requirements. ↑

Umbrella policies usually require you to carry Bodily Injury Liability of $100,000/$300,000 or $250,000/$500,000 with Property Damage Liability of $50,000 or $100,000. Companies have different requirements. We can take the information necessary to prepare your quote and we can determine which of these coverages you qualify for. ↑

What kind of auto insurance coverage should an older car carry? You should at least have the minimum auto liability insurance required by your state. Many people with older cars do not purchase collision or comprehensive coverages. With an older car, the cost of repairing the physical damages to the car may be greater than the value of the car. In that case, your car insurance company may declare your car "total" and give you a check for the car's market value.

Your auto insurance company is required to pay the amount necessary to return the vehicle to its same condition prior to the damages. You may request the insurance company for recommended repair facilities nearby. But you are usually not required to use any specific repair shop.

If the car insurance company believes it will be less expensive to replace the car than repair it, your car will be considered a total loss. The company will use the car's actual cash value (ACV) prior to the accident to determine if it is a totaled.

Insurance companies, like dealers, use different methods of discovery when it comes to chipping. Some use dealer computers to inspect the ECU while others physically open the ECU to inspect the soldering on the chip. In either event the software would be completely invisible. Since we are not disassembling, changing components, or modifying any hardware on the vehicle there is no need for TUV approval. All of our code is designed to work well within the load limits of the engine.

NO, the decision is up to YOU where you choose to obtain an estimate. There is an anti-steering law in Maryland that makes it illegal for insurance companies to tell you to take it to a shop of their choice.

The Business Auto policy does not extend coverage to employees and their family members if the company furnished vehicle is operated outside the scope of the employer's permission or if the employee rents or borrows a vehicle on a personal basis which is not owned, rented, or borrowed by the business.

Well this will depend on your driving record. Legally, yes any car insurance company doing business in your state can insure you. However, if you have a bad driving record, then some companies might think twice about offering you auto insurance. Most of the larger companies such as Geico, AIG, Progressive or 21st Century will still offer you insurance, but just at a higher cost if you have a bad record.

The personal auto policy is not a replacement policy. Coverage for your car is based on actual cash value. The actual cash value (ACV) of your car is based on the value of your car at the time of the accident, taking into account its current market value. Therefore, the insurance company's obligation is to repair the car based upon its actual cash value not its replacement cost.

Your insurance company may use a specific repair shop to support its settlement offer. It may not require, you to have your car repaired at a specific auto repair shop. If you choose to have the repairs done at a facility not approved by your insurance company, you are responsible for any repair costs that exceed the final claim settlement. Sign the release when you are satisfied with your total settlement.

Liability was accepted by the other party's company. Your vehicle must also be either in a non-driveable condition or your vehicle is currently being dropped off at our shop for a scheduled repair. Your car was damaged while parked and the person causing the damage left the scene without notifying you. This is also considered an "uninsured motorist" claim. If you have the coverage and have met the conditions mentioned under number "1" above, your insurance should cover your rental car.

We can help with all of this, please let us know if you need a package. If you wish to book the villa, we can work out a package for you. Alternatively we can point you in the direction of an agent who can help you with these things.

Personal Umbrella insurance normally provides additional protection for the third party (damage to others) risks covered by your auto, watercraft, and homeowners policies.

A policy designed to provide protection against catastrophic losses, the umbrella insurance policy is generally written over various primary liability policies, such as a general liability insurance policy, business auto policy and employers' liability coverage. Once the underlying limits of these primary policies are exhausted, the umbrella liability policy would provide further coverage beyond the limits of those policies.

Yes. As a courtesy we will bill your insurance company, or companies. It is your responsibility to provide any requested information to your insurance company (accident information, claim forms). Yes. We will bill worker's compensation insurance if the patient provides the information. We do not bill third party insurance's (i.e. attorneys, auto insurance) except if the patient has Medicare.

No. OMIP contracts with Regence BlueCross BlueShield of Oregon. The State of Oregon designs the benefit package and Regence BlueCross BlueShield of Oregon administers the program.

No, currently most insurance policies do not pay for band adjustments. If your insurance policy does not provide coverage for band adjustments, you will need to pay for this procedure yourself. For our cash-pay patients, the first year of adjustments are free, however, for all other patients, adjustments are $50-$250 each. Individuals who have had their surgery elsewhere will be charged $500.00 for each adjustment.

You will need to check with your insurance company in order to determine whether they will cover UFE. Our staff will assist you in this. At present, the majority of major insurance carriers do cover and pay for UFE.

This MCO is certainly not an insurance company but a ?Managed Care Organization?. it DOES NOT SELL INSURANCE! It actually BUYS insurance FOR its members FROM its insurance supplier, the Corporate Agency that negotiates and manages the best products (and of course, at the best prices) from a panel of insurance companies. These are all done SOLELY for the benefit of members.

If you have a plan that pays for out-of-network services, you will typically be reimbursed 50% - 80% of what your insurance company allows. As a courtesy we will bill your insurance company for you as an out of network provider. If you have out of network benefits (most PPO and fee-for-service plans do) and you have met your deductible for the year, you should get a substantial reimbursement sent directly to you. Due to time constraints, we are unable to follow up on claims.