Negligent entrustment is a legal theory that holds the owner of a vehicle liable for damages caused by someone they negligently allowed to drive it. In most cases, insurance covers negligent entrustment. This is because the owner’s insurance policy typically covers any person who drives the vehicle with the owner’s permission. However, there are some … Read more
Deciding between a copay and coinsurance depends on individual preference and financial situation. With a copay, you pay a fixed amount for certain medical services, regardless of the total cost. This can be a convenient option if you anticipate frequent doctor visits or prescriptions, as you know exactly how much you’ll be paying each time. … Read more
In general, it is not illegal to have multiple car insurance policies on the same vehicle. However, maintaining multiple policies for the same coverage period is considered insurance fraud. It is vital to inform all insurance companies you have policies with about your other coverage to avoid any complications or legal issues. Additionally, it is … Read more
Unique Taxpayer Reference (UTR) and National Insurance number (NI number) are two distinct identifiers used in the United Kingdom for tax and National Insurance purposes. The UTR is a 10-digit reference number issued by HM Revenue and Customs (HMRC) to individuals and businesses for tax purposes. It is used to identify taxpayers and to track … Read more
The cost of a root canal with insurance coverage can vary depending on several factors. These include the location and complexity of the procedure, the type of insurance plan, and the coverage limits. In general, a root canal with insurance coverage can range from around $300 to $1,000. However, it’s important to note that some … Read more
Coinsurance is a term used in the insurance industry to describe a situation where the insured person shares a portion of the loss with the insurance company. It is a percentage of the total loss that the insured is responsible for paying. For example, if a policy has an 80% coinsurance clause, the insured is … Read more
If you’re a learner driver, you might be wondering if you need to get insurance for your vehicle. The answer is yes. Even though you have a provisional license, you will still need insurance to drive a car legally. This is because you are still responsible for any damage or injury that you may cause … Read more
If your home suffers severe damage that makes it uninhabitable, your insurance company may declare it a “condemned property.” This means the insurer has determined the house is too dangerous to live in and must be torn down. In such cases, the insurance policy typically covers the cost of demolishing the house and removing the … Read more
Icare Workers Insurance is a provider of workers’ compensation insurance in New South Wales, Australia. The company was formed in 2002 and is a wholly-owned subsidiary of Icare Limited. Icare Workers Insurance provides coverage for employers and employees in a variety of industries, including healthcare, manufacturing, and construction. The company has a strong focus on … Read more
J.K. Simmons, an acclaimed actor known for diverse roles in films like “Whiplash” and “Spider-Man,” portrays the iconic character of the Farmers Insurance agent in the popular advertising campaign. With his signature booming voice and commanding presence, Simmons brings a sense of trustworthiness and dependability to the role. The character represents the company’s commitment to … Read more