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Medical payments is "good-faith" coverage		Depending on your insurance plan, it will often cover
that guarantees immediate medical payments for you,		80% of your medical fees. However, your carrier's
your passengers and other parties, regardless of who is		estimated cost of a procedure may differ from that of
at fault. It also covers you and members of your		your doctor. As a result, that 80% may
household in any accident involving an automobile,		shrink! Many doctors will agree to charge your
whether you are on foot, on a bicycle, in a friend's car,		carrier's estimation and it doesn't hurt to ask!
etc.
		Research the various insurance plans, coverages and
Collision insurance covers damage to your own vehicle in		options. Find out which best suits you and your
an accident. Collision is generally optional unless		family. Don't buy more insurance than you need
your car is financed or leased in which case your bank		(i.e. young married couple probably doesn't need serious
or credit union, bank or lender will require collision		medical coverage other than pregnancy). Consult
coverage as a condition of the loan in order to protect		an agent to answer any specific question pertaining to
their interests.		you.


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The right hobby with the wrong company could cost		Before you sign on the bottom line of your insurance
you. People who participate in high-risk sports or		policy, it's a good idea to have an understanding of the
activities (such as hang-gliding, skydiving, mountain		basics. Sure, it may look like a simple sheet of paper with
climbing, scuba diving, and racing), or even those who		writing on it, but it's a legally-binding document that
like to have an occasional cigar could very well pay more		outlines your rights and obligations should you be
money if they dont pick the right company. Every		involved in an accident. As a rule, you should always
company looks at risk factors differently and some are		read your policy carefully, cover to cover, including the
more liberal in certain areas than others. Make sure you		dreaded "fine-print." This will prevent any
work with an insurance company that has properly		surprises in case you need to make a claim.
matched your personal profile with their underwriting
criteria.

Charlotte Insurance
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