Category: Insurance

There are few feelings that are stranger than when it begins to dawn on you that your car has been stolen. The response usually involves disbelief, confusion and even anger. Depending on what you are doing when you discover the theft, panic can also be a reaction. Eventually, you will begin to wonder whether your car is covered for theft.

Car theft is not covered by a collision policy.

The thief may wreck your car before it is found, but the theft itself is not included in a collision policy. Collision insurance is just what it sounds like. It is insurance that pays if your car is damaged in an accident. Theft is not considered an accident. In fact, your car may be found undamaged a few hundred miles away. If this happens, you are lucky, because you do not have to worry about insurance. Just go pick up the car and bring it home. The cheap insurance quotes will offer insurance policies for a theft car. The information about the insurance policy should be great to deliver potential advantages. All the damages are covered under the quotes and cover against the accidents. No car theft is covered under the collision insurance policy. 

Liability does not cover a stolen vehicle.

Liability insurance is designed to cover your financial obligation to fix the other person’s car or property and help with medical expenses. Since your car is stolen, if it causes damage to property or people, you are generally not going to be responsible. If the car is not found, the liability portion of the policy will not come into play.

Theft is usually covered under the comprehensive part of your car insurance.

Comprehensive insurance is a broad policy that covers a number of important car insurance needs. With comprehensive insurance, for example, glass breakage caused by rocks along the highway is covered. If storms damage your car, it is your comprehensive insurance that pays the bill. Along with these coverages is car theft. The comprehensive policy will pay for your stolen car if it is not recovered.

Many car insurance companies will not allow you to buy comprehensive insurance without buying collision insurance first.

Comprehensive insurance is considered a part of a “full coverage” package. The car will be insured for collisions, liability and comprehensive. Unless you buy full coverage insurance, comprehensive is usually not offered. Comprehensive can have a deductible that is different from the collision portion of the policy. Some people like to carry a $500 or $1,000 collision deductible. However, comprehensive deductibles are often less than $500, and sometimes there is no deductible at all.

Some theft policies have provisions that must be met before the insurance will cover the theft.

Usually, you have to be able to convince the insurance company that your car was really stolen. For most people, this is not a tough assignment. As long as the insurance company does not see any signs of fraud, they will usually accept your testimony that your car was stolen. If the car is recovered, it should not appear that you actually loaned the car to someone who failed to return it to your driveway. If your keys are in the ignition switch or the car was obviously left in a strange place unlocked, the insurance company may not cover the theft.

The lawsuits filed over the requirement for most citizens to purchase health insurance or pay a fine, found in section 1501 the Patient Protection and Affordable Care Act (PPACA), center on the Federal government’s Article One, Section Eight Commerce Clause authority. This article examines both sides of the debate over that particular mandate. The rebel health tribe is the home page at the search engines that will explore the health benefits to the person. The protection of the public should be the prime objective of the health tribe site.

The Defendant’s Position

The federal government defends the requirement by claiming that the actual decision not to purchase health insurance should be considered economic activity. They argue that most people will eventually need healthcare so the choice not to purchase insurance constitutes activity.

They cite previous Supreme Court cases (Wickard v. Filburn, Gonzales v. Raich) to legitimize congressional authority to legislate individual behavior on behalf of interstate commerce.

They further justify their legislation by citing the Necessary and Proper clause of Article One, Section Eight of the US Constitution as granting congress the authority to enact any laws needed to enforce legislation they have passed.

The Plaintiff’s Position

The parties who have filed suit believe that the refusal to purchase insurance is economic inactivity, therefore not subject to the Commerce Clause. They contend that Congress is only allowed to regulate economic activity, not force citizens to participate in economic activity.

They note that the government’s cited cases both involved physical effort and not merely a decision. They assert that no court decision has ever granted the congress authority to require citizens to participate in commercial activity.

They dispute the government’s use of the Necessary and Proper clause. They claim that since the underlying law is unconstitutional, it is not proper to enact laws that attempt to enforce the act.

The Courts Opinions

So far three courts have ruled on this particular issue and a decision in a fourth court is imminent.

Two cases found in favor of the federal government’s position. The third decided case found in favor of the plaintiff’s position.

One case, (State of Florida et al. v. U.S. Department of Health and Human Services et al.) was heard on December 16 th and a decision is expected soon.

Where We Are Heading Next

The appellate courts will be the next stop along the way, but clearly this case will wind up in front of the Supreme Court before it is settled.

This case will have an impact similar to Wickard v. Filburn once the final verdict is handed down.

I will be watching developments concerning this issue, as well as all events relating to the PPACA and reporting on them as they occur. Stay tuned.

Which is the most important body part of the human body? Many people would answer heart because it sustains our life and existence as long as it is beating and pumping blood to the rest of the body.

But not many people feel the same as they feel that others are of equal importance such as eyes, ears, arms, legs, kidneys, lungs, liver, etc. and the loss of any of them is a fate worse than death, or so they feel.

However, in the midst of arguing for or against the above parts, the one that neither merits a mention nor its existence is the tooth. People tend to forget that teeth are the most in number compared to other parts-32 to be precise.

Tooth decay or cavities are not looked up with the same concern as heart issues, joint pain, etc. Sadly, this has become quite prevalent today and there are no chances of any improvement.

Insured Returns

The least they can do is get a dental insurance so that but here too they commit the blunder of mixing it up with dental plans as they are very different from each other.

There are 3 plans for dental insurance like Dental Health Maintenance, Preferred Provider and Indemnity Insurance while discount plans have much lesser fees and are more into the average budget that any middle class family can afford.

Cosmetic Dental San Mateo is one of the best in this regard and can provide both of them for patients who are not too well off to get them. It is appropriate to consult your dentist before trying for insurance and plans.

Regarding which of them is cheaper, the monthly premium for insurance is quite high and the procedures are expensive so the discount plan is one where you will be paying more.