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  2. Umbrella insurance - Wikipedia

    en.wikipedia.org/wiki/Umbrella_insurance

    Umbrella insurance is a form of liability insurance that provides coverage when liability exceeds the limits of other insurance policies, such as auto insurance or homeowners insurance. It can also act as primary insurance for losses not covered by those underlying policies, distinguishing it from excess insurance , which typically only extends ...

  3. These states are increasing minimum coverage ... - AOL

    www.aol.com/finance/states-increasing-minimum...

    It won’t stop there: California minimum car insurance coverage limits will rise again in January 2035 from 30/60/15 to 50/100/25. ... New minimum car insurance liability limits: 50/100/25.

  4. Small businesses abruptly learn the limits of their insurance ...

    www.aol.com/small-businesses-abruptly-learn...

    His coverage includes property insurance as well as general liability insurance, which typically covers financial losses from a range of causes. Many small-business owners could face a harsher ...

  5. Vehicle insurance in the United States - Wikipedia

    en.wikipedia.org/wiki/Vehicle_insurance_in_the...

    A split limit liability coverage policy splits the coverages into property damage coverage and bodily injury coverage. 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.

  6. Increased limit factor - Wikipedia

    en.wikipedia.org/wiki/Increased_limit_factor

    Often, limited data is available to determine appropriate charges for high limits of insurance. In order to price policies with high limits of insurance adequately, actuaries may first determine a "basic limit" premium and then apply increased limits factors. The basic limit is a lower limit of liability under which there is a more credible ...

  7. Do you need full-coverage car insurance? What it is, when it ...

    www.aol.com/finance/full-coverage-car-insurance...

    What full-coverage car insurance includes. A full-coverage auto insurance policy combines three key protections — liability, comprehensive and collision coverage — into one complete package.