Full Description

Do you have the protection you need?

INSURANCE. You have to have it, but do you really know what you have? It is the one purchase that you hope never to use, but when you do, it is all too common to learn that what you thought was covered is not. Do not let your car, home or health suffer because that long, dry policy document is too difficult to understand. Instead, let The Complete Book of Insurance guide you through all of your major insurance needs.

--If you are concerned with the other drivers and want to know just exactly what uninsured motorist coverage is—use The Complete Book of Insurance to evaluate what limits you really need if you are involved in an accident.

--Whether you just bought your first house or are moving to a region prone to earthquakes, flood or mold—use The Complete Book of Insurance to learn what is really protected under your standard policy.

--If you believe that you are too young to worry about life insurance—use The Complete Book of Insurance to plan for your family’s future security.

We all want the best coverage with the least expensive rates. However, finding the right insurance company and the right agent is actually your second step to making it happen. Your first step is to understand the type of coverage you truly need.

Table of Contents

Foreword
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Introduction -
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Part I: Insurance and You
Chapter 1: The Role of Insurance in the Economy-
Brief History of the Business of Insurance

Chapter 2: The Structure of the Business of Insurance-
Kinds of Insurers

Chapter 3: The Marketing and Selling of Insurance - ---
Independent Agents
Captive Agents
Direct Writers
Retail versus Wholesale Brokers
Guaranty Funds
Choosing What is Best for You

Chapter 4: Insuring Other Interests ---
Mortgages or Trust Deed Holders
Auto Lessors and Lenders
Other Secured Parties
Additional Insured Interests under Liability Coverages

Part II: Your Home
Chapter 5: Homeowners Insurance - ---
Property Coverages under Homeowners Policies
Insured Capacity: Named Insureds

Chapter 6: Loss of Use and Additional Coverages ----
Loss of Use Coverages
Additional Coverages

Chapter 7: Exclusions ----
Section 1 Exclusions
Additional Exclusions
Comparison Shopping
Exclusions Added by Other Insurers

Chapter 8: Conditions ----
Conditions Applicable to Property Coverages
Duties after Loss
Loss Settlement
Policy Limits and Insurance-to-Value
Loss to a Pair or Set
Appraisal
Other Insurance and Service Agreements
Suits Against Us
Our Option
Loss Payment
Abandonment of Property
Mortgage Clause
No Benefit to Bailee
Nuclear Hazard Clause
Recovered Property
Volcanic Eruption
Policy Period
Concealment or Fraud
Loss Payable Clause

Chapter 9: Liability Coverages ----
Insured Capacity Issues
Insured Locations
Insuring Agreement
Personal Injury
Bodily Injury
Property Damage
Duty to Defend and Related Issues
Duty to Indemnify
Medical Payments Coverage
Additional Coverages

Chapter 10: Liability Coverage Exclusions- ---
Motor Vehicle Liability Exclusion
Expected or Intended Injury
Business Exclusion
Professional Services
Insured’s Premises not an Insured Location
War
Communicable Disease
Sexual Molestation, Corporal Punishment, or Abuse
Controlled Substances
Contractual Liability
Owned Property
Rental Property
Workers Compensation
Nuclear
Bodily Injury to Insureds
Medical Payments Coverages Exclusions
Personal Injury Liability Coverage Exclusions
Exclusions Added by Other Insurers

Chapter 11: Liability Coverage Conditions ----
Limit of Liability
Severability of Insurance
Duties after Occurrence
Medical Payments Coverage
Suits Against Us
Bankruptcy of an Insured
Other Insurance
Policy Period
Concealment or Fraud
Personal Injury Coverage Conditions
Conditions that Apply to All Coverages

Chapter 12: Choosing Liability Limits - ----
Structuring Your Liability Insurance Limits

Part III: Your Auto
Chapter 13: Personal Automobile Policies - ---
Structure of Personal Auto Policies
Insurable Interest
Personal Auto Policy Definitions
Liability Coverage Provisions

Chapter 14: Auto Liability Coverage Exclusions - ---
Family Members
Intentional Injury or Damage
Owned or Transported Property
Rented, Used, or Cared-For Property
Bodily Injury to Insured’s Employees
Public or Livery Conveyances
Auto Business Exposures
Maintenance or Use of Vehicles in Business Context
Use of Vehicles without Permission
Nuclear Peril
Motorcycles and Off-Road Vehicles
Other Exclusions
Other Comments

Chapter 15: Auto Liability Coverage Conditions ----
Limit of Liability
Out-of-State Coverage
Financial Responsibility
Other Insurance

Chapter 16: Medical Payments Coverage - ---
Exclusions
Auto Medical Payments Limits of Liability

Chapter 17: Uninsured & Underinsured Motorist Coverage
Coverage
Definitions
Exclusions
Arbitration
Limit of Liability Provisions
Other Underinsured Motorist Coverage Provisions

Chapter 18: Physical Loss or Damage Coverage Provisions-
Additional Coverages
Exclusions
Conditions

Chapter 19: Life, Credit Life, Disability, and Health Coverage
Life Insurance
Credit Life Insurance
Disability Income Insurance
Health Insurance Policies and Managed Care Plans
COBRA Rights

Glossary

State Insurance Commissioners

Index

About the Author------

Excerpt

Editorial Reviews

Customer Reviews

Customer Reviews: