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For example, if your state requires only $10,000 in property damage coverage but an accident you cause results in $30,000 in damages to somebody else's car, you could be on the hook for the ...
Some states, such as Virginia, require that the victim actually obtain a judgment against the uninsured motorist (while serving the uninsured motorist carrier in the lawsuit so that the carrier can defend the suit) and then demand payment from the uninsured motorist carrier prior to suing the carrier for any breach of an uninsured motorist ...
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Different levels of coverage may protect consumers depending on which insurance policy they purchase. Coverage is sometimes seen as 20/40/15 or 100/300/100. The first two numbers seen are for medical coverage. In the 100/300 example, the policy will pay $100,000 per person up to $300,000 total for all people. The last number covers property damage.
Utilization management is "a set of techniques used by or on behalf of purchasers of health care benefits to manage health care costs by influencing patient care decision-making through case-by-case assessments of the appropriateness of care prior to its provision," as defined by the Institute of Medicine [1] Committee on Utilization Management by Third Parties (1989; IOM is now the National ...
Extended coverage is a term used in the property insurance business. All insurance policies have exclusions for specific causes of loss (also called "perils") that are not covered by the insurance company. An extended coverage endorsement (EC) was a common extension of property insurance beyond coverage for fire and lightning.
An increased limit factor (ILF) at limit L relative to basic limit B can be defined as = + + + + + + ()where ALAE is the allocated loss adjustment expense provision, ULAE is the unallocated loss adjustment expense provision, and RL is the risk load provision.
A card with all 3 features is called a removable user identity card, or R-UIM. Thus, the R-UIM card can be inserted into CDMA, GSM, or UMTS handsets, and will work in all three cases. In 3G networks, it is a mistake to speak of a USIM, CSIM, or SIM card, as all three are applications running on a UICC card.