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Avoid plans that exclude pre-existing health		Uninsured or underinsured motorist insurance covers you
conditions. You may end up paying for a policy		if you are injured in an accident with others who
that doesn't cover you, which defeats the purpose of		themselves carry insufficient or no liability
having insurance! If you must, try and get one with		insurance. With the surprising number of such
a maximum six month waiting period.		drivers out there, it's a good idea to have some.
		Some states require UIM/UM, so contact your Agent.
Depending on your insurance plan, it will often cover
80% of your medical fees. However, your carrier's		Medical payments is "good-faith" coverage
estimated cost of a procedure may differ from that of		that guarantees immediate medical payments for you,
your doctor. As a result, that 80% may		your passengers and other parties, regardless of who is
shrink! Many doctors will agree to charge your		at fault. It also covers you and members of your
carrier's estimation and it doesn't hurt to ask!		household in any accident involving an automobile,
		whether you are on foot, on a bicycle, in a friend's car,
Research the various insurance plans, coverages and		etc.
options. Find out which best suits you and your
family. Don't buy more insurance than you need
(i.e. young married couple probably doesn't need serious
medical coverage other than pregnancy). Consult
an agent to answer any specific question pertaining to
you.


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Review your policy often. Do a review of your		Check for price breaks. Companies often offer
life insurance policy a minimum of every three years, if		"price breaks" at certain coverage amounts
not more often. Rates may be lower, and your		(i.e. $250,000 vs. $225,000). The truth is that many
circumstances may have changed, necessitating more or		people can actually pay less money for more coverage.
less protection. If you are replacing a policy, make sure		Check how much or little your prices increase when you
you allow enough time to get your new policy in place so		increase coverage to $250,000, $500,000, or $1,000,000.
coverages wont overlap or lapse.
		Buy the right amount of coverage. Many agents
Dont overspend on protection. Term life		may try to sell you more coverage than you need. The
insurance is the most affordable and cost-effective pure		purpose of life insurance is to indemnify (replace
protection available, and it is typically much less		financial loss), and what most people should be looking
expensive than a comparable whole life policy. The old		for is income replacement for their beneficiaries.
axiom still rings true: Buy Term and invest the		Independent financial planners recommend the following
difference.		rule of thumb: purchase an amount of coverage equal to
		6-10 times your annual gross income.

Bronx Insurance
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