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Frequently Asked Questions

What is covered under property damage liability coverage?

Wisconsin Small Employer - Frequently Asked Questions on Aut...
Property damage liability insurance pays for any damage to the property of others up to the stated amount provided by the policy. For example, a crushed fender, broken glass, or a damaged wall or fence. Your insurance will pay for this damage if you were driving your auto or if it was being driven by another person with your consent. Property damage liability also pays if you damage government property like a light pole or signpost, up to the limit you choose.

WHAT IS BODILY INJURY LIABILITY AND PROPERTY DAMAGE LIABILITY COVERAGE?

Insurance covering the policyholder's legal liability resulting from injuries to other persons or damage to their property caused by a vehicle. Any form of coverage where the insured is protected against the claims of other people arising from an auto accident. See similar questions...

What is property damage coverage?

Find: Best, Affordable Auto/ Car Insurance Rates From Coast ...
Property damage coverage replaces automobiles and other property you damage—such as a guard rail, for instance—in an accident. Most states require $5000 to $10,000 worth of coverage. See similar questions...

WHAT IS UNINSURED MOTORIST PROPERTY DAMAGE COVERAGE?

A coverage in an Automobile Insurance policy under which the company will pay the amonut the insured was entitled to recover for damage to their vehicle (up to $3500) caused by an uninsured motorist. Most insurance companies require that the owner or operator on the uninsured vehicle be identified, or the uninsured vehicle is identified by its license number for the coverage to be allowed. By law, in California insurance companies must offer this coverage. See similar questions...

What is covered under bodily injury liability coverage?

WI Commissioner of Insurance Frequently Asked Questions on A...
This coverage does not protect you or your car directly. If you cause an accident injuring other people, it protects you against their claims up to the stated amounts for medical expenses, lost wages, pain and suffering and other losses. It will also usually pay if the accident was caused by a member of your family living with you or a person using your own auto with your consent. It does not pay for bodily injury you may sustain. See similar questions...

What is the difference between property damage liability insurance and collision insurance?

Personal Plans | Sonoma State University Alumni Association
Property Damage Liability insurance covers the cost of damage you may cause to the property of others. Collision insurance covers damage to your own car caused by a crash or upset, minus any deductible. See similar questions...

I have full coverage, why am I not covered?

FLORIDA PRIVATE INVESTIGATOR
Almost on a daily basis, we hear that, “I have full coverage.” I can count on one hand how many times clients actually do have “full coverage”. Full coverage in Florida, usually indicates you have PIP, BI, UM / UIM, Med-Pay, Umbrella, and stacking when available. Even with all of the above listed coverages, this does not automatically imply that your bodily injury claim will be covered. See similar questions...

What is Vacation Liability Coverage ?

RV - RV Financing - RV Insurance - RV Extended Warranty - RV...
This pays for bodily injury or property damage to others occuring at your vacation campsite. This coverage may vary between insurance companies. It would be best to check with your specific carrier. See similar questions...

What if I only have liability coverage?

Safelite Auto Glass - Insurance Claim FAQ
Because liability insurance only provides coverage for damages to another vehicle, auto glass services are not covered under your liability policy. Safelite offers multiple payment options including cash, checks, Visa, MasterCard, Discover and American Express. In addition, flexible payment plans may be available. See similar questions...

Is my delivery covered by insurance against loss or damage in transport?

FAQs
standard we do not include insurance with the delivery as we are already including the cost of delivery free (or subsidising delivery costs) we simply can not also provide insurance for free - sometimes insurance costs more than the freight. Typically our cargo partners are extremely efficient and reliable, our products are packaged appropriately for international transport and we have very few problems with delivery. See similar questions...

What can we do if the damage is not covered by the warranty?

FAQs about shipping
If a piece is damaged while moving it, by your cleaning crew or by misuse, vandalism, etc, and SMARTdesks is not responsible, you will find that because of our modular construction, you need only specify the damaged or missing part and we can send it to you at a very modest charge. We keep the programs for everything we make, so even if your job was customized, replacement parts should not be an issue. The only problem may be if the finish has been discontinued. See similar questions...

Will you damage my property?

Frequently Asked Questions About Asbestos Surveyors and Asbe...
No. The taking of samples will be as discreet as possible. Only during a type 3 survey are areas that are being refurbished or demolished intrusively investigated. See similar questions...

Is there any coverage for injuries to the pet sitter or damage to the pet sitter's property?

Pet Sitters Associates, LLC. - Frequently Asked Questions
No, there is no coverage for the pet sitters or their property. PSA does not cover injuries to the pet sitters, or their employees and/or independent contractors, as this is something that would be covered by workers compensation insurance not general liability insurance. Please note that there is NO coverage under this policy for injuries to the family members or pets of the pet sitters. See similar questions...

Are voluntary workers covered under Public Liability or Employers’ Liability?

Morton Michel - Group Insurance - Frequently Asked Questions
Regular voluntary workers are regarded as employees for the purposes of the Public Liability and Employers’ Liability insurances. Your legal liability for bodily injury to regular voluntary helpers is covered under the Employers’ Liability Section. Therefore, if you have regular voluntary helpers, you should take out Employers’ Liability insurance. See similar questions...

What is the liability coverage for myAyala.com products?

Myregalo is MyAyala - Send Flowers, Gifts, Electronics, Cell...
In no event shall myAyala.com be liable for any direct, indirect, special, punitive, incidental, exemplary or consequential damages, or any damages whatsoever, even if myAyala.com has been previously advised of the possibility of such damages, whether in an action under contract, negligence, or any other theory, arising out of, or in connection with the use, inability to use or performance of the information, services, products, and materials available from the site. See similar questions...

How much liability coverage is reasonable?

WI Commissioner of Insurance Frequently Asked Questions on H...
You may want to consider purchasing enough to cover the value of all your financial assets--home, savings, etc., which are vulnerable to a lawsuit. Remember that your insurance company is liable only up to the limits of your policy. You would be personally liable for anything above that. Most policies are sold with a fixed amount of liability coverage. However, you can purchase more than the standard amount if you choose. See similar questions...

What limits of liability coverage should I buy?

Frequently Asked Questions
Generally speaking, you should always purchase the highest limits you can reasonably afford. Even a small company can have an accident resulting in a large claim. Other issues to take into consideration are minimum limits required by the city or county in which you work and the required limits of general contractor's for whom you may work. Many commercial accounts will require contractors to have minimum auto and general liability limits of $500,000 to $1,000,000 or more. See similar questions...

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