Bodily Injury Liability Insurance: What it Covers – How Much to Buy #manulife #claims


bodily injury liability

Bodily Injury Liability Insurance: What it Covers How Much to Buy

Bodily injury liability coverage will help pay for another person’s injuries in a car accident for which you are found to be at fault. It is one of two types of liability auto insurance. The other, property damage liability coverage, pays for damage you may cause to the other driver’s car. Some minimum amount of both types of liability car insurance is typically required by states.

Let’s take a closer look at exactly how bodily injury liability insurance works, what it covers, and how much you need.

What It Covers

Bodily injury insurance will cover a portion of the short- and long-term costs related to injuries. These include not just passengers, but also pedestrians and bystanders who may have been involved. Here are some examples of what bodily injury insurance typically covers:

Medical expenses. Bodily injury insurance covers hospital fees and emergency care associated with the accident. For some claims, it may also cover follow-up visits and equipment costs (such as crutches).

Legal fees. In case of an accident, the other party may file a lawsuit against you. Bodily injury insurance often covers legal defense fees and can help defray significant court costs.

Loss of income. Let’s say the other person suffers an injury that interferes with their ability to work – maybe they work in a physically demanding environment, or need several months of rehab. In this case, bodily injury insurance may compensate for this time period.

Pain and suffering. This can be a tricky cost to quantify, but the other party may claim repayment for lingering pain or emotional distress as a result of the injuries.

Funeral costs. In the event of fatalities, bodily injury coverage will also help pay for the funeral costs.

How It Works

Liability insurance packages come in two varieties: combined single limit policies and split limit policies. In a combined single limit policy, your policy will offer a certain amount of coverage, and you can decide how to divide that coverage between bodily injury and property damage.

If you purchase a split limit policy, you will notice that there are two numbers involved. The first number is the limit per person – the maximum amount that your insurance provider will pay for injury expenses for any single person involved in the accident. The second number is limit per accident. or the maximum amount the provider will cover for all people involved in the accident.

25,000/50,000 or 25/50

Using the above bodily injury liability policy limits (25,000/50,000), let’s look at a few scenarios.

Scenario 1: One person injured in an accident you cause. Total cost: $30,000. Although your policy covers up to $50,000 per accident, it only covers up to $25,000 per person. You are responsible for the remaining $5,000.

Scenario 2: Two people injured in an accident you cause. Total costs: $65,000 for person 1 and $20,000 for person 2. In this case, since your per limit is $25,000, you are responsible for the remaining $40,000 cost of Person 1’s medical bills. However, since your per accident limit is $50,000, your policy would cover the entirety of Person 2’s bills.

Scenario 3: Four people. Total costs: $20,000, $20,000, $15,000, $10,000. In this case, everyone is within the per person limit. However, the $65,000 total is above your per accident limit. In this case, the insurance company would cover payments based on the order the claims are processed in. After your $50,000 is used up, you’ll be responsible for the rest.

When looking at a split limit policy, you may also see a third number. This last number is the limit for property damage liability coverage. In that case, the limits may be expressed as 25,000/50,000/20,000.

How Much Is Required?

States typically require motorists to carry a minimum amount of bodily injury and property damage liability insurance. The map below shows the minimum amount of bodily injury coverage your state requires per person injured in the event of an accident.

Minimum coverage requirements last updated November 2014

There is an exception to the rule of state-mandated insurance. Several states allow drivers to “self-insure” by demonstrating they could pay for any expenses that would result from an accident. This may involve posting a bond or depositing large amounts of savings with the state. New Hampshire is an example of a state that technically does not require drivers to carry insurance so long as they have significant funds at their disposal in the event of an accident. If a New Hampshire driver opts for insurance however—as nearly all do–they must meet the state’s minimum requirements.

How Much Does It Cost?

When deciding how much bodily injury liability insurance to buy, you may want to know how much additional coverage above the minimum required will cost. You can use the WalletHub Car Insurance Calculator
to compare personalized quotes for different levels of bodily injury coverage.

The table below provides an example of the average additional cost drivers in Northern Virginia may incur annually if they purchase more than the $25,000/$50,000 coverage required in that state. Because insurance costs vary by driver, we provide the added cost for a driver with a clean driving record and others with a recent accident or traffic violation.

Added annual cost for additional coverage

From $25K/$50K to $50K/$100K

Note: Average calculated from quotes by multiple insurance providers for a 37-year old female with excellent credit in zip code 22209 driving a 2008 Honda Accord.
*Monthly cost also includes $50,000 in property damage liability insurance and collision and comprehensive insurance with $500 deductibles.

How Much Coverage Should I Buy?

While the average bodily injury claim in 2012 was about $14,600, according to the Insurance Research Council, your costs could spiral if you are found responsible for a car wreck that causes injuries (or even death) for multiple people. If these expenses exceed the limits on your insurance policy, the other parties may come after you for the balance, putting your assets at risk.

Our advice is to strongly consider buying the most coverage you can afford. This will not only allow you to protect your assets, it will also give you peace of mind that your insurance will cover expenses related to any injuries you cause. In any event, make sure you are covered at least by the minimum limit your state requires.

Image: Tom Wang/Shutterstock

Editorial Disclaimer: Editorial content is not provided or commissioned by financial institutions. Opinions expressed here are the author s alone and have not been approved or otherwise endorsed by any financial institution, including those that are WalletHub advertising partners. Our content is intended for informational purposes only.

Ad Disclosure. Offers originating from paying advertisers are noted as Sponsored on the offer s details page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to list as many offers as possible but we don t make any representation of listing all available offers.

Community Discussion


#tagsBodily,Injury,Liability,Insurance:,What,it,Covers,-,How,Much,to,Buy#tags

The symptoms of whiplash and how to claim compensation for an injury – Mirror Online


whiplash claims

The symptoms of whiplash and how to claim compensation for an injury

If you ve been a victim, you re entitled to claim

Many of us don’t actually realise the severity of whiplash and the impact leave on a person’s life.

There really are quite a few different ways to suffer from this elusive injury. Some can leave you feeling the pain for days, others months, and some never really ever go away.

If you’ve suffered a whiplash injury resulting from a car collision that wasn’t your fault, you could be entitled to make a claim for personal injury compensation – despite what ‘some people’ might say about the validity of your claim.

The cause of whiplash

Although the most common cause of a whiplash injury is a car accident, any situation that causes the muscles and ligaments in your neck to extend beyond their normal range of motion will easily do the damage.

Symptoms of whiplash usually start occurring anything from a few hours to several days after the accident has happened and, contrary to popular belief, they can incorporate the entire back, not just the neck.

Stiffness in the neck

Pain and weariness

Lower back pain

How to prove you have whiplash

As with any personal injury resulting from an accident; the devil is in the details.

The details of whiplash are a little peculiar in the fact that it can be a little difficult to prove through medial examinations.

There aren’t any fractures to be found, no tears or rips to be fixed and almost no swelling, so the only real symptoms to go on are stiffness in the neck and a whole world of pain.

There are a lot of ways to suffer a whiplash injury; anything that results in your neck being pushed back or forwards at a high speed.

This could be from being hit in a fight or being on an amusement park ride but by far the most common occurrence is from being in a car accident.

In the last decade or so, whiplash claims from car accident has more than doubled, accounting for around 74% of personal injury claims .

You can claim, no win no fee

If this is sounding all too familiar to you because you’ve been involved in an accident that wasn’t your fault, Accident Advice Helpline can assess your case and see if you can make a personal injury claim by calling:

Freephone: 0800 740 8782

Or take the 30-second test below and find out how much you could be entitled to.

How to boost your health


#tagsThe,symptoms,of,whiplash,and,how,to,claim,compensation,for,an,injury,-,Mirror,Online#tags

How to Write a Claim Letter #work #accident #claim


claim letter

Claim Letter

Claim letters are formal letters which are written in order to claim for something. The language used is very direct and contains no flowery words. If you are writing a claim letter be sure that you are very well convinced of the claim. If you have a speck of doubt, get it cleared. While writing a claim letter we suggest attaching some proofs. If you are replying to a claim letter, be very clear in your decision. If you are refusing the claim, use the word ‘refuse’ or ‘denied’ or ‘rejected’ etc. In the same way if the claim is accepted use the word which clarifies the status. In any case the language must be formal and polite. Do not be rude. Asking for claim in not wrong and denying it also has valid reasons.

Claim letters are written for making a claim for something. Asking for something that is your right is nothing embarrassing.

Make your claim letter effective by following these points.

  • In the beginning of your letter indicate the purpose of the letter. For example if you are writing a letter for insurance claim, mention this in the letter.
  • State the policy number in your letter.
  • Give all the concerning facts regarding the claim. If it is regarding some defective product, mention the date of purchase, receipt number, product number etc.
  • Indicate the amount you are claiming for and by which date are you expecting the amount.
  • Refer to the documents that you are including with your letter. This includes claim forms, repair estimates, warranty records or receipts.
  • Include your contact information with proper details to avoid any unwanted circumstances.
  • Remain courteous and respectful. Even if you know that the fault lies on their part, be professional in tone. Do not play the blame game. Be assertive throughout the letter.
  • Send the claim letter within the prescribed period so that there are no confusions.
  • Make the claim letter very specific. Do not let the addressee guess anything. Mention the amount you want and the purpose of the claim.

If as a company/organization/institute, you receive a claim letter which is supposed to be denied, remember the following points.

  • Show your regret regarding the denial of the claim in the opening line s of your letter.
  • Include the details. In case there is more than one issue to be settled, there should be no confusion.
  • Give logical reasons, if possible with proofs attached, as to why the claim is denied.
  • Do not forget to include important dates if any.
  • Include the proper information about what is needed from the claimant to do if he needs the claim to get approved.
  • Show the regret of the denial once again while ending the letter. Indicate your willingness in order to discuss the matter with the claimant.
  • Do not forget to write that the customer is important for you and that you value his/her clientage.

As claim letter is a purely formal letter the basic rules of writing a formal letter remains intact. Do not use stylish fonts. Avoid using color paper; the envelope should be a right match of the paper, there should not be any graphics as far as possible.

If as an organization you are replying to a claim letter, make sure that it is written on a letter head of the organization.

A person who writes a claim letter and a company who denies it, both have correct reason for their actions. There is no need to use harsh language or threaten. Keep the language uncomplicated.


#tagsHow,to,Write,a,Claim,Letter#tags

Whiplash assessment report fees cut to tackle fake claims – BBC News #accident #insurance #claim


whiplash claims

Whiplash assessment report fees cut to tackle fake claims

Medical assessment fees for people who claim they have suffered whiplash are to be cut in England and Wales.

The move is the latest government bid to crack down on fraudulent claims and the so-called “compensation culture”.

Charges of up to £700 for an initial medical report will be reduced to £180, Justice Secretary Chris Grayling said.

The government hopes a fixed rate will stop experts who produce the reports from having an incentive to encourage claimants to get unnecessary treatment.

About 500,000 whiplash insurance claims are made each year, many of which are thought to be bogus.

Insurers say they push up drivers’ premiums by as much as £90 a year.

The new measures are the latest announced by the government to tackle bogus claims, with the new focus on compensation companies and a minority of medical staff who ministers claim are overcharging people.

‘Drive out fraud’

“We’re saying that doctors should be paid a fixed price for that work,” Mr Grayling said.

“And we’re saying that across the claims process we should have a structure that makes sure that people are paid for what they really do, that claims that go through are genuine and that we drive out some of the practices that are inflating insurance premiums unnecessarily.”

He said the new rules – to be introduced in October – would reflect the amount of time it took to carry out the assessments and write them up.

Image copyright Thinkstock Image caption Some 500,000 whiplash claims are made each year

“Honest drivers have been bearing the cost of a system that has been open to abuse and it is time for a change,” he said.

“We are determined to have an improved, robust system for medical evidence – so genuine claims can still be settled but fraud is driven out of the market.”

Whiplash is caused by sudden movement of the head which damages the ligaments and tendons in the neck, with symptoms including neck pain and stiffness.

Recent reforms in England and Wales have recently targeted “no win, no fee” deals, with lawyers now unable to double their fees if they are successful.

A number of changes are progressing through Parliament in the Criminal Justice and Courts Bill, including plans to stop law firms offering incentives to potential clients.

‘Stubbornly high’

Other new rules include allowing courts to throw out any compensation case where part of the claim has proved to be fundamentally dishonest.

Mr Grayling said insurance companies would be urged not to accept claims without a doctor’s report – evidence of an injury.

“Every time they accept a claim without a report, some of those that shouldn’t be made are slipping through and that’s just boosting insurance premium costs,” he warned.

The AA said while premiums had dipped recently, the number of claims remained “stubbornly high” and that meant they could go back up.


#tagsWhiplash,assessment,report,fees,cut,to,tackle,fake,claims,-,BBC,News#tags

Lloyds Bank – Payment Protection Insurance Complaints – PPI Complaints #how #to #become #a #claims


ppi claims

PPI complaints

This website provides information to assist you if you are considering making a complaint about how your PPI policy was sold to you. If after reading the information you still believe that you have a complaint about the way in which your PPI policy was sold, rest assured that we re committed to making this as straightforward as possible for you.

If you have already made a complaint to us, you don t need to do anything. We will be in touch as soon as we have an update on your case.

If you have a concern about how your PPI Policy was sold, it’s easy for you to contact us directly. You don t need to use a Claims Management Company (CMC) who will typically charge an upfront fee or take a proportion of any compensation you may be due.

We assess complaints sent directly to us in exactly the same way that we treat complaints from a CMC, so you won t be disadvantaged by coming direct to us.

Here’s what you need to do:

1. Call, write to us or complete our online form

We d like to discuss the details of your case with you directly so your concerns can be resolved as quickly as possible. You can write to us at Lloyds Bank, PPI Customer Services, BX1 1LT or call us on 0800 151 0292 Call telephone number 0800 151 0292 (lines open 8am to 6pm, Monday to Friday and 9am to 2pm Saturday). our dedicated number for PPI complaints.

To register your complaint by using our online form, please click here and complete the required information.

If you have a Blackhorse agreement, please visit the Blackhorse PPI complaints website .

2. Download and complete our PPI Questionnaire

If you decide you want to go ahead with your complaint, download our PPI Questionnaire (PDF, 353 kB) Opens in a new browser window and fill in the details of your case. This will help us process your complaint as efficiently as possible.

3. Send it to us

Send the PPI Questionnaire to Lloyds Bank, PPI Customer Services, BX1 1LT. When we ve made a decision we ll write to you clearly explaining it. If we are offering you a refund, we are committed to making sure you receive payment within 28 days of our decision letter.

In all cases, any interest due will be adjusted right up until the date of payment.

PPI is insurance that pays out a sum of money to help cover your monthly repayments on your loan, credit card and/or mortgage in certain events, which could include unemployment, accident or sickness, hospitalisation or death. This type of cover may also be called loan protection, credit insurance, loan repayment insurance, ASU (accident, sickness and unemployment) insurance, account cover or payment cover.

An easy way to check if you have taken out PPI, is to check your product statements for evidence of premiums paid. Also, you may have policy booklets and loan or credit agreements that show information on PPI. Some of our product names for this type of insurance include Mortgage sure, Payment Protection plus, card or loan protection.

Firstly, please check any available documentation as outlined in question 1 to obtain details of your PPI policy. This will help in progressing your complaint.

The easiest way to raise a query about a PPI policy is to complete our PPI Questionnaire (PDF, 353 kB) Opens in a new browser window. By filling out our PPI Questionnaire we will have all of the information we need to assess your complaint.

Once you have completed the form please send it directly to us at:

PPI Customer Services

If you have a Blackhorse agreement, please visit the Blackhorse PPI complaints website .

We encourage our customers to talk to us about PPI:

  • We are best placed to deal with any queries our customers have about their PPI policy.
  • Rather than talk to a Claims Management Company (CMC), you can find all the information you need about raising a complaint about how your PPI policy was sold on this page. Your complaint will be assessed in exactly the same way if you come to us directly, but you will avoid having to share any potential compensation payments with a Claims Management Company (CMC). Further information on CMCs can be found in a joint note from the CMC Regulators (Ministry of Justice), the FSA (now known as the Financial Conduct Authority (FCA)), the FOS and the FSCS (PDF, 75 kB) Opens in a new browser window .

If you have any further query about the way your PPI was sold you can ring a dedicated telephone line for PPI customers 0800 151 0292 Call telephone number 0800 151 0292 (lines open 8am to 6pm, Monday to Friday and 9am to 2pm Saturday).

We take all complaints very seriously and are committed to handling them on a fair and consistent basis. In line with our complaint-handling policy we will assess your PPI complaint and will provide compensation, including the backdating of interest and payments, where appropriate.

Yes. You can still make a complaint about how your PPI Policy was sold even if you have since cancelled the policy. Details of how to complain are provided above. It s easy for you to complain to us directly so you don t need to use a Claims Management Company. Your complaint will be assessed in exactly the same way if you come to us directly but you will avoid having to share any compensation payment with a Claims Management Company.

In October 2010 the British Bankers’ Association (BBA) asked the Courts to review the recently published rules made by the Financial Services Authority (FSA, (now known as the Financial Conduct Authority (FCA)), in relation to PPI sales-related complaints. The BBA also asked for a review of the guidance published by the Financial Ombudsman Service (FOS) on the handling of PPI complaints. In May 2011 we announced that we would no longer be participating in the BBA s Judicial Review. The BBA subsequently decided that it would not be appealing the Court s decision that the FSA’s rules should be implemented in full.

Important legal information

Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. Authorisation can be checked on the Financial Services Register at www.fca.org.uk Visit the Financial Conduct Authority website. Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). We subscribe to the Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.uk Visit the Lending Standards Board website .

Lloyds Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065.

Calls may be monitored and recorded in case we need to check we have carried out your instructions correctly and to help us improve our quality of service.

PhoneBank is a registered trademark of Lloyds Bank plc.


#tagsLloyds,Bank,-,Payment,Protection,Insurance,Complaints,-,PPI,Complaints#tags

Ppi claims #quit #claim #deed #florida


ppi claims

Have you been mis-sold PPI?

If you took out a loan. credit card or mortgage in the last 15 years there is a chance you have a claim for mis-sold PPI. Think about all the loans, credit cards and mortgages you have had, as they could well have had PPI added to them without you even knowing.

PPI Enquiry Form

If you don’t know whether you had PPI in most cases we can find out for you. Usually we don’t even need your credit card number or your loan agreement number, just the name of your bank or credit card company.

So don’t put off making your claim today, find out if you could be owed up to 7,000*.

  • 20 million PPI policies were sold on loans, credit cards and mortgages
  • The banks have put aside an estimated 23 billion
  • Many of our customers didn’t even know they had PPI on their loan, credit card or mortgage

Why use PPI Claimback?

  • Over 171,000 successful claims
  • 90% success rate
  • PPI Claimback have won back over 315 million for our customers
  • Our Largest PPI claim is 89,446
  • No win, No fee. And absolutely no upfront charges
  • PPI Claimback is a trading style of Investor Compensation (UK) Limited. R egistered in England: Unit 1C Riparian Way, The Crossings Business Park, Cross Hills, Keighley, West Yorkshire, BD20 7AA Company Registration Number: 07769324. VAT No. 135536417. Registered with the Information Commissioners Office; registration number: Z3141844. Investor Compensation (UK) Limited is regulated by the Claims Management Regulator in respect of regulated claims management activities; its registration is recorded on the Claims Regulation website www.gov.uk/moj/cmr (Authorisation No. CRM28889). Calls may be recorded for training and quality purposes. Fee payable for any cancelled Claim(s) after the 14 day cooling off period or after an offer of redress has been made by the lender. All fees are outlined in our T C’s. Images of customers are for illustrative purposes only.


    #tagsPpi,claims#tags

    Claims adjuster salary #claim #guys


    claims adjuster salary

    California DWC Announces New Search Tool for Independent Bill Review (IBR) Decisions
    By California Department of Industrial Relations – September 29, 2016

    The California Department of Industrial Relations Division of Workers’ Compensation (DWC) has added an easy-to-use search tool to help the public find Independent Bill Review (IBR) determinations quickly and efficiently. The DWC IBR search tool is available on the DWC website.

    Over 5,100 IBR cases have been decided since the IBR program was implemented on January 1, 2013. Information for each case is posted to the DWC website after the case is decided. Similar in structure to the Independent Medical Review (IMR) search tool. the public can search for the decisions on dates of application receipt and decision issuance, case decision and applicable fee schedule.

    Liberty Mutual Insurance made three senior appointments in its commercial insurance operating unit.

    Mike Fallon was named president, national insurance, Steve McAnena was named president, business insurance, and Tracy Ryan was named chief claims officer.

    Ronnie Case To Be Released From Jail. Judge Accepts Bond Premium Payment From Mike Smith After He Produces Bank Statements.
    By Lonce LaMon – September 29, 2016

    Ronnie Wayne Case, who was once a race car driver . went to work for Dr. Munir Uwaydah and worked close.

    Ronnie Wayne Case Still In Jail As His Defense Struggles To Prove Bond Money Is Not Feloniously Obtained In Criminal Organization Munir Uwaydah Case In Downtown L.A.
    By Lonce LaMon – September 23, 2016

    During court proceedings on Friday, September 16 th 2016, and continuing again late in the a.

    Peter Nelson, Dr. Uwaydah’s Physician Assistant, Remains Incarcerated. His Wife, Marisa, Comes To Court For First Time Since Being Released.
    By Lonce LaMon – September 19, 2016

    Marisa Schermbeck Nelson came to court out-of-custody for the first time since being released from jai.

    Today’s Treatment Issues In Workers’ Compensation
    By Anthony Santos – August 23, 2016


    #tagsClaims,adjuster,salary#tags

    Foreign No Claims Bonus Insurance #check #unemployment #claim #status


    no claims bonus

    Foreign NCB Insurance

    Insurance for Drivers with Foreign No Claims Bonus Entitlement

    If you have recently moved to the UK, or returned from working abroad, you’ll probably discover quite quickly that arranging car insurance at a reasonable price can be something of an ordeal. The problem is that many insurers do not recognise foreign no claims bonus, earned overseas, and if you had previous UK no claims entitlement, this usually expires after just two years. What’s more, some insurance companies struggle with foreign or international driving licenses, and if they can offer a rate, it will probably be a lot higher than that offered to a UK license holder.

    Adrian Flux have over 40 years experience of arranging specialist insurance policies to suit any situation, and we are not restricted by computer rates or systems. We can offer discounts for foreign no claims bonus entitlement, accept valid overseas and international licenses and, if you have imported a left hand drive car, that is no problem either. All this, coupled with great service, and surprisingly low rates means that we can help with your foreign no claims insurance dilemma.

    • Limited mileage policies.
    • Agreed value available on classic, cherished and modified cars.
    • Foreign No Claims Discounts offered for all countries, including:
      • American No Claims
      • French No Claim Bonus (Malus / Bonus)
      • German No Claims Discount (Schadenfreiheitsrabatt)
      • Spanish NCB (prima de no reclamaci n)
      • Japanese NCD
    • Insurance for cars re-registered in the UK
    • Left Hand Drive vehicles covered.
    • Members of owners clubs and forums benefit from discounts of up to 15%.

    Insurance for Foreign Drivers

    If you have accumulated foreign no claims bonus, or if your UK Bonus has lapsed, make sure you give us a call. In this situation, going to a specialist can save lots of cash, and equally important, lots of stress, time and aggravation. So whether you have been working in Dubai, returned from retirement to Spain, or are working in or immigrating to the UK, we can offer you an appropriate policy taking into account your overseas no claims insurance discount without any drama.

    Our staff are all seasoned insurance experts and will calculate your premium individually, using their expert knowledge of the many insurance schemes on offer. When you call us you will be speaking to a knowledgeable enthusiast, based in the UK, rather than a computer rate from a call centre, which doesn’t know a Morris Marina from a Vauxhall Viva

    Quicker Cheaper rates by phone, please complete the call me form during office hours 9am to 7pm Monday to Friday 9am to 4pm Saturday for an immediate insurance quote.

    We’ll call you at a time convenient to you


    #tagsForeign,No,Claims,Bonus,Insurance#tags

    No Claims Bonus – how it works to give you discount #how #to #write #a


    no claims bonus

    No Claims Bonus – how it works to give you discount

    Get advice on buying your car insurance policy and how your No Claims Bonus works

    Every year you drive without making a claim or having a claim upheld against you, we give you a discount off your renewal premium.

    If there are still no claims on your policy, you keep getting a discount. You can build up this bonus for a maximum of 15 years.

    Don’t forget, with our Bonus Accelerator. you could get a whole year’s No Claims Bonus in just 10 months.

    Can I bring my Bonus with me from another insurer?

    Yes, you’ll just need to send us the renewal notice your previous insurer sent you and your proof of No Claims Bonus which they will also provide.

    What happens if I make a claim?

    It depends what the claim is for; payments for windscreen damage or emergency treatment fees won’t affect it. Likewise, if the accident was the other person’s fault and we recover all the money from their insurers, you won’t lose your No Claims Bonus.

    Even if you do have to claim for an accident that was your fault, you could still keep some of your NCB. If you make one claim during your insurance period, you’ll lose two years of the Bonus.

    So, if you had five or more years No Claims Bonus, it would change to three years at renewal.

    You’d still get a discount off your premium, and it wouldn’t take so long to build it back up.

    If you make two claims during the period you’re insured for, you’d lose four years No Claims Bonus, and if you made three or more claims during the period you’re insured for, you’d lose them all.

    Safeguarding your No Claims Bonus

    Apart from driving safely, the other way to look after your No Claims Bonus is to pay an extra fee to guarantee or protect it.

    Guaranteeing your Bonus means making a claim won’t reduce it but you won’t add any extra discount for that insurance period.

    While protecting it allows you to make two claims in a three year period before the bonus gets reduced and, as with guaranteeing it, you won’t add any discount for that period.

    The difference between the Guaranteed and Protected schemes is with Protected, if you keep on making claims in consecutive insurance periods, you can lose the protection and ultimately, some of your No Claims Bonus too.

    Where your Bonus remains unaffected, in most instances a claim will lead to some increase in premium at renewal. However, our motor premium calculation will include the discount to which you are entitled. You can read the details in our policy booklet .

    Can a named driver on my policy earn their own No Claims Bonus?

    Yes, they can build up their own No Claims Bonus to use on another Admiral policy, ready for when they take out their own insurance. It’s ideal if you’ve put your son or daughter on your policy, as it should help make their insurance easier to afford when they have their own car.

    What about MultiCar?

    Each driver on the MultiCar policy builds up their own No Claims Bonus (it works the same way as named drivers, above). If one driver on the policy makes a claim and loses some or all of their No Claims Bonus, it doesn’t affect the other drivers – their No Claims Bonus stays the same.

    How do I submit proof of my No Claims Bonus?

    If you are a new customer and you need to submit proof of your No Claims Bonus from your previous insurers you can do so through our online form

    Share with your friends


    #tagsNo,Claims,Bonus,-,how,it,works,to,give,you,discount#tags

    Claims Adjuster I Salaries by education, experience, location and more #petsecure #claim #form


    claims adjuster salary

    Claims Adjuster I Salaries

    Alternate Job Titles: Claims Adjuster I, Entry Level Claims Adjuster

    • What is the average annual salary for Claims Adjuster I?

        How much does a Claims Adjuster I make? The median annual Claims Adjuster I salary is $42,449. as of August 29, 2016, with a range usually between $38,276 – $47,197. however this can vary widely depending on a variety of factors. Our team of Certified Compensation Professionals has analyzed survey data collected from thousands of HR departments at companies of all sizes and industries to present this range of annual salaries for people with the job title Claims Adjuster I in the United States.

        This chart describes the expected percentage of people who perform the job of Claims Adjuster I in the United States that make less than that annual salary. For example the median expected annual pay for a typical Claims Adjuster I in the United States is $42,449, so 50% of the people who perform the job of Claims Adjuster I in the United States are expected to make less than $42,449.

        Source: HR Reported data as of October 2016

        • About this chart

            This chart describes the expected percentage of people who perform the job of Claims Adjuster I that make less than that salary. For example 50% of the people who perform the job of Claims Adjuster I are expected to make less than the median.
            Source: HR Reported data as of October 2016

            Denies, settles, or authorizes payments to routine property/casualty claims based on coverage, appraisal, and verifiable damage. Responsibilities also include corresponding with policyholders, claimants, witnesses, attorneys, etc. to gather important information to support contested claims in court. Prepares report of findings of an investigation. May require an associate s degree in a related area and 0-2 years of experience in the field or in a related area. Has knowledge of commonly-used concepts, practices, and procedures within a particular field. Relies on instructions and pre-established guidelines to perform the functions of the job. Works under immediate supervision. Primary job functions do not typically require exercising independent judgment. Typically reports to a supervisor or manager. View full job description


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