Displaying items by tag: insurance coverage
Insurance Division Urges Residents to Review Insurance Coverage
Released on Mon, Dec 19, 2011 - 10:03 am under
- What happens if a relative drives your car and gets into an accident? Auto insurance coverage follows the vehicle. So your car will generally be covered while your relative is driving, the same as if you were driving.
- What happens if a guest at your party slips and falls on your icy driveway? Standard homeowners insurance policies provide limited medical payments coverage, if your guest seeks medical attention.
- What happens if your presents or valuables are stolen from your home? Standard homeowners insurance policies provide coverage subject to the deductible and special sub-limits for certain goods, such as electronics and jewelry.
- What if a candle causes a house fire? Your home and belongings should be covered if they are destroyed by a fire, subject to your deductible and policy limits.
- What if you lose your credit card and someone uses it to buy expensive items? Credit card theft might be covered as part of your credit card contract. Standard homeowners insurance policies typically provide up to $500 of coverage toward your legal obligation to pay your creditor. Federal law also limits a cardholder’s responsibility, as long as the issuer of the card is promptly notified in accordance with contact terms.
- What if you travel out of state and need medical care? Most health insurance policies provide coverage for urgent care and emergency room visits while traveling, if they provide for such coverage at home. If you plan to travel, be sure to take your health insurance information for all family members. Before you leave town, check with your insurance company about in-network healthcare providers at your destination.
- If you drive to Canada or Mexico, will your vehicle still be covered? You should check with your insurance agent to ensure that your auto insurance coverage will apply outside the United States. For more information, visit www.tn.gov/commerce/insurance.
Governor Bill Haslam signed legislation this week requiring private insurance plans to include coverage of hearing aids for children.
Senate Bill 607, sponsored by Senator Doug Overbey (R-Maryville), Senator Bill Ketron (R-Murfreesboro) and Representative Richard Montgomery (R-Sevierville), requires that health insurance policies provide coverage of up to $1,000 per individual hearing aid per ear, every three years, for every child covered as a dependent by the policy holder.
“Insurance coverage for hearing devices is very important to help make them affordable so these children grow and learn,” said Senator Overbey. “There are many benefits to passing this legislation. If you provide hearing aids in early childhood you save money for therapeutic services and hospitalization down the road. The true savings of allowing children to have hearing aids, however, is that they become active members of their school day one.”
“I am very pleased this bill has become law,” added Senator Ketron. “No child should have to go through life without hearing, especially when there is a medical device available to help them.”
“This bill has been of great importance to many of us,” added Representative Montgomery. “Hearing is critical to the development of a child. This new law will help many children have an opportunity to receive a hearing device for both their own personal success and to become productive citizens of Tennessee.”
