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- Newsgroups: misc.consumers
- Path: sparky!uunet!psinntp!bnlux1.bnl.gov!niebuhr
- From: niebuhr@bnlux1.bnl.gov (david niebuhr)
- Subject: Re: Home & Auto Insurance
- Message-ID: <1992Sep11.215007.6096@bnlux1.bnl.gov>
- Organization: Brookhaven National Laboratory, Upton, NY 11973
- References: <1992Sep10.102206.9354@cbnewse.cb.att.com>
- Distribution: usa
- Date: Fri, 11 Sep 1992 21:50:07 GMT
- Lines: 82
-
- In article <1992Sep10.102206.9354@cbnewse.cb.att.com> hemant@cbnewse.cb.att.com (hemant.b.bhatt) writes:
- >What's good coverage for Home & Auto insurance?
- >
- >Home Insurance
- >
- >Dwelling - $
-
- Whatever the average of three or more independent appraisals give.
-
- >Dwelling extension -$
-
- Pretty much determined by the company unless it can be proved otherwise.
-
- >personal property - $
-
- See above.
- >loss of use - $
-
- See above.
-
- >personal liability - $
-
- Think in worst case scenarios. Have you ever been sued?
-
- >damage to property of others - $
-
- See above. I have and luckily I won.
-
- >medical payments to each person - $
-
- See above.
-
- >deductable amount - $
-
- Minimal amount unless you are willing to foot several hundred dollars
- on your own.
-
- >
- >Auto Insurance
- >
- >bodily injury/property damage liabilty - $
-
- The max. Jury awards are off the wall.
-
- >medical payments - $
-
- For yourself and your family, the minimum if you have insurance through
- your employer or spouse's.
-
- >comprehensive - deductable - $
-
- What can you afford for out of pocket expenses.
-
- >collision - deductable - $
-
- Same.
-
- >uninsured motor vehicle - $
- >underinsured motor vehicle - $
-
- These are more or less set by the state in which the registration is
- effective.
-
- >Emergency Road Service - $
- >Car rental & Travel expenses - $
-
- Not really necessary.
-
- This is all predicated on where you live. Some places are higher in
- insurance costs due to the various state laws and general cost of
- living.
-
- Dave
-
- Dave Niebuhr Internet: niebuhr@bnl.gov / Bitnet: niebuhr@bnl
- Brookhaven National Laboratory Upton, NY 11973 (516)-282-3093
-
- --
-
- Dave Niebuhr Internet: niebuhr@bnl.gov / Bitnet: niebuhr@bnl
- Brookhaven National Laboratory Upton, NY 11973 (516)-282-3093
-
-