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 If i were to die in a wreck without a seatbelt, could my insurance company deny paying my family life insuranc
a friend of mine got killed in a car wreck and his spouse is worried that she won't get payment from his life insurance because he was'nt wearing his seatbelt. They have small children and ...


 Is a jewellry insurance valuation higher than a sale valuation?
I have diamond rings that I wish to sell. They have insurance valuation documents dated within the last 12 months. How do I price them accurately? Some are 25 years old!!...


 Car insurance?
got 12 months car ins due renewel in one month letter came thought door and it said ins cancelled 5 months ago but i did not cancel so really i been driving with no ins can i get full refund when i ...


 Does Anyone Need Life Insurance?
...


 Which insurance company is the best and most importantly cheapest for general liability?
I am starting a small residential and comercial cleaning business and will need dishonesty insurance.
Additional Details
I use progressive but they don't have business ...


 With life insurance what consists of accidental death?
I guess I don't know much. But what would life insurance determine as accidental death? Thanks. N...


 Are covered calls a great risk?
...


 My friend says the Geico lizard is animated, I say its real....who's right?
...


 What should I do about my suspended license?
Back in 2003 I bought a use car of the street on my way home someone exiting their drive way hit my back bumper. I agreed to pay $400. because I had no INS. having just bought the car. The other ...


 Life Insurance Co. Recommendations?
Can anyone recommend a good life insurance company that they have worked with? I think I am looking for a term life insurance policy. Thank you to anyone who responds!...


 What car insurance company has the cheapest rates in NY state?
...


 Would I be able to sue someone in this situation?
My wife was driving her truck and this guy went past a stop sign and blind sided her on the right side of her truck. Turns out the driver had taken the car from his workplace (he works at a bodyshop) ...


 How stressful is the insurance business?
Is the pay generally good? Is it worth going into?...


 Why should we pay CAR insurance?
I know it is made to protect us from being sue, I understand this. BUT if we are MADE to pay insurance to drive a car then the Car insurance companies should be MADE to include Car replacement as a ST...


 Life insurance??
Can my 84 year old grandfather get life insurance, he has no medical condition. He doesn't own a home and obviously doesn't work. Is there any policy out there for him? How about my 74 year ...


 How does this affect my insurance?
Can someone tell me how my car insurance will be affected in this instance:

I was a named driver on my dad's car (my dad was the policy holder). I accidentally went into the rear of ...


 I need to know what term life insurance is?
...


 What are some affordable health insurance plans?
Besides medicare, what are some cheap, affordable insurance plans in the hudson valley, ny?...


 Are there any Auto Insurance companies that you don't have to pay upfront?
Hi,
I was wondering if there are any auto insurance companies that you don't have to pay upfront. I am seeking car insurance because I had an accident this January and I was at fault. I am ...


 How much would this kind of life insurance policy cost?
I am a female. I am in the age range of 20-25. I want $100,000 worth of coverage. I smoke, but I have no other health issues. How much would it cost me? Also, how much would it cost me for a $500,000 ...



JVT
I have 2 health insurance policies. How is it decided which one is responsible for covering a claim?
                     
 




Lori S
Rating
Depends on who the subscriber is on each and if they will coordinate benefits with another policy and how they will coordinate benefits or just pay independently of any other policy.

If a spouse is the main subscriber and you also have your own coverage, yours will be primary and your spouse will be secondary. However, you will have to look at the coordination of benefits clause in the secondary policy to see how it will pay any balance after the primary pays. Most times a secondary policy will only pay up to what they would have paid if primary-so if the primary pays 80 percent and the secondary would have paid 80 percent as primary, the secondary will not pay any additional benefit. that is why it usually doesn't pay to have 2 insurance policies unless one offers coverage for a benefit that the other does not.




SDD
Rating
They will coordinate benefits, so the one with the "better" coverage will end up paying more. why would you want to pay for redundant coverage, anyway -- either directly or indirectly through employers?


madjackolantern
the one that was issued first is the primary carrier.


bud68
One will be deemed primary payer and the other secondary payer. It depends on how you qualify for each coverage.


Daniel R
Rating
The better one will end up with more coverage and the other one will with less. And it need more details to come up with an exact to your question like the premiums amount you are paying for each health insurance policy.

http://www.rghins.com/


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