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msmarco_v2.1_doc_01_1666122996#0_2441836637
|
http://insurance.illinois.gov/Producer/PrintLic.html
|
Illinois Insurance Resident Producer
|
Illinois Producer Information
Illinois Producer Information
Resident Producer
How to Print Your License
You are entitled to one free license print from this website.
|
Illinois Insurance Resident Producer
Illinois Producer Information
Resident Producer
How to Print Your License
You are entitled to one free license print from this website. Go to www.statebasedsystems.com
At Step 1: Select Illinois. At Step 2: Click on Print License
This should take you to the License Manager page
Change Jurisdiction to: Illinois
Enter Individual or Business Entity at Entity Type: Enter Last Name
Enter NPN#
Enter Last 4 digits of SSN
Click on “Search”
Once you have searched for your transcript with License Manager, click the list icon on the black tool bar on the summary page. ( top of page) For best results, print your education transcript in landscape orientation. Here's how: 1) click the list icon on the black tool bar;
| 0 | 753 |
msmarco_v2.1_doc_01_1666122996#1_2441837823
|
http://insurance.illinois.gov/Producer/PrintLic.html
|
Illinois Insurance Resident Producer
|
Illinois Producer Information
Illinois Producer Information
Resident Producer
How to Print Your License
You are entitled to one free license print from this website.
|
Illinois
Enter Individual or Business Entity at Entity Type: Enter Last Name
Enter NPN#
Enter Last 4 digits of SSN
Click on “Search”
Once you have searched for your transcript with License Manager, click the list icon on the black tool bar on the summary page. ( top of page) For best results, print your education transcript in landscape orientation. Here's how: 1) click the list icon on the black tool bar; 2) click the Properties button or link in the Print dialog box; 3) select the Layout/Finishing tab; 4) select the Landscape radio button; 5) click the OK button; 6) at the main Print screen, click the OK button.
| 345 | 965 |
msmarco_v2.1_doc_01_1666122996#2_2441838866
|
http://insurance.illinois.gov/Producer/PrintLic.html
|
Illinois Insurance Resident Producer
|
Illinois Producer Information
Illinois Producer Information
Resident Producer
How to Print Your License
You are entitled to one free license print from this website.
|
2) click the Properties button or link in the Print dialog box; 3) select the Layout/Finishing tab; 4) select the Landscape radio button; 5) click the OK button; 6) at the main Print screen, click the OK button. The select print directions may differ, depending on your printer.
| 754 | 1,032 |
msmarco_v2.1_doc_01_1666124413#0_2441839552
|
http://insurance.illinois.gov/Producer/ResidentProducer.html
|
Illinois Insurance Resident Producer
|
Illinois Producer Information
Illinois Producer Information
Resident Producer
Important Producer Notices
To become an insurance producer you must complete the following requirements.
Additional Information
Bond Requirement
|
Illinois Insurance Resident Producer
Home
Consumers ▼
Insurance Coverage COVID-19
File a Complaint
File an External Review
Consumer Insurance
• Auto
• Commercial Property Insurance
• Health
• Homeowners & Renters
• Life & Annuities
Consumer Hearings
Company Lookup
Public Pension
IDOI Secure Login - Applications
IDOI Reports
Producers ▼
Insurance Producers Portal
Illinois Public Adjuster
Licenses, Certifications, & FAQs
Producer Hearings
Regulatory Filings & Data Reporting
Director’s Orders
IDOI Secure Login - Applications
IDOI Reports
Companies ▼
Insurance Company Portal
Company Bulletins
Company Lookup
Certified Reinsurers
Company Taxes & Forms
Respondent Message Center Login
Affordable Care Act (ACA) for Issuers
Annual Statement forms for Insurance Companies
Approved PPA, URO, & EIRO’s
Illinois Medical Professional Liability Claims Reporting
Director’s Orders
Healthcare Rate Review Portal
Medical Malpractice Reporting
Checklists Life - Accident - Health
Policy Lookup - Life Accident Health
Policy Lookup - Property Casualty
Long Term Care Rescission Reporting Forms
Managed Care License / Registration Information
Property & Casualty Checklist
IDOI Secure Login - Applications
IDOI Reports
WC Fraud ▼
Workers’ Compensation Fraud Unit
Fraud Posters
Fraud Reports
Settlement of Surcharge Litigation
IDOI Secure Login - Applications
About Us ▼
Contact Us
About IDOI
Careers At IDOI
Employment Opportunities
Illinois Producer Information
Resident Producer
Important Producer Notices
To become an insurance producer you must complete the following requirements. Complete the pre-licensing requirement of 20 hours per line of authority; 7.5 of the 20 hours must be completed in a classroom setting i.e. life, Accident/Health, Fire (Property) Casualty, Personal Lines – Fire (Property) and Casualty. The only exception is Motor Vehicle of which 12.5 hours of pre-licensing and 5 hours must be in the classroom setting. Here is a link to our Education provider look-up up where you can find a certified provider. www.statebasedsystems.com
Once you have completed your pre-licensing requirement you may then take the insurance examination. Please take a copy of your proof of completion for your pre-licensing course to the test center, you will not be allowed to sit for the exam without it. Please review the Insurance Licensing Examination Pearson VUE Candidate Handbook & Outline. The handbook describes how, when and where to apply for the producer examination. When you pass the licensing examination you will be given your pass sheet along with an instruction sheet by the test administrator, Pearson VUE.
| 0 | 2,625 |
msmarco_v2.1_doc_01_1666124413#1_2441842793
|
http://insurance.illinois.gov/Producer/ResidentProducer.html
|
Illinois Insurance Resident Producer
|
Illinois Producer Information
Illinois Producer Information
Resident Producer
Important Producer Notices
To become an insurance producer you must complete the following requirements.
Additional Information
Bond Requirement
|
www.statebasedsystems.com
Once you have completed your pre-licensing requirement you may then take the insurance examination. Please take a copy of your proof of completion for your pre-licensing course to the test center, you will not be allowed to sit for the exam without it. Please review the Insurance Licensing Examination Pearson VUE Candidate Handbook & Outline. The handbook describes how, when and where to apply for the producer examination. When you pass the licensing examination you will be given your pass sheet along with an instruction sheet by the test administrator, Pearson VUE. Carefully read the instruction sheet and retain for your records. If you fail the exam, Pearson VUE will provide the results and the procedures to arrange for another exam. VERY IMPORTANT - Please wait five (5) days after passing your exam, at that time you will be able to apply online at www.nipr.com. Here are step by step directions to help you with the application process. Additional Information
You MUST wait 5 days after passing your exam, to apply for your license.
| 2,027 | 3,100 |
msmarco_v2.1_doc_01_1666124413#2_2441844344
|
http://insurance.illinois.gov/Producer/ResidentProducer.html
|
Illinois Insurance Resident Producer
|
Illinois Producer Information
Illinois Producer Information
Resident Producer
Important Producer Notices
To become an insurance producer you must complete the following requirements.
Additional Information
Bond Requirement
|
Carefully read the instruction sheet and retain for your records. If you fail the exam, Pearson VUE will provide the results and the procedures to arrange for another exam. VERY IMPORTANT - Please wait five (5) days after passing your exam, at that time you will be able to apply online at www.nipr.com. Here are step by step directions to help you with the application process. Additional Information
You MUST wait 5 days after passing your exam, to apply for your license. Illinois is using the last day of your birth month as your expiration date and the fee paid for licensure through NIPR will be prorated for the birth month expiration date. Once you have completed the application process through NIPR and you have received an e-mail from them that is was a successful transaction your application will be submitted to Illinois. Effective 8-1-2012, Illinois now requires that you apply for your license electronically. Please see the company bulletin at http://insurance.illinois.gov/cb/2012/CB2012-02.pdf
Uniform application for Individual Producer License/Registration
Bond Requirement
An insurance producer who places insurance either directly or indirectly with an insurer with which the insurance producer does not have an agent contract must maintain in force while licensed a bond in favor of the people of the State of Illinois executed by an authorized surety company and payable to any party injured under the terms of the bond. The bond shall be continuous in form and in the amount of $2500 or 5% of the premiums brokered in the previous calendar year whichever is greater, but not to exceed $50,000 total aggregate liability.
| 2,626 | 4,271 |
msmarco_v2.1_doc_01_1666124413#3_2441846469
|
http://insurance.illinois.gov/Producer/ResidentProducer.html
|
Illinois Insurance Resident Producer
|
Illinois Producer Information
Illinois Producer Information
Resident Producer
Important Producer Notices
To become an insurance producer you must complete the following requirements.
Additional Information
Bond Requirement
|
Illinois is using the last day of your birth month as your expiration date and the fee paid for licensure through NIPR will be prorated for the birth month expiration date. Once you have completed the application process through NIPR and you have received an e-mail from them that is was a successful transaction your application will be submitted to Illinois. Effective 8-1-2012, Illinois now requires that you apply for your license electronically. Please see the company bulletin at http://insurance.illinois.gov/cb/2012/CB2012-02.pdf
Uniform application for Individual Producer License/Registration
Bond Requirement
An insurance producer who places insurance either directly or indirectly with an insurer with which the insurance producer does not have an agent contract must maintain in force while licensed a bond in favor of the people of the State of Illinois executed by an authorized surety company and payable to any party injured under the terms of the bond. The bond shall be continuous in form and in the amount of $2500 or 5% of the premiums brokered in the previous calendar year whichever is greater, but not to exceed $50,000 total aggregate liability. Such bond should remain at the place of business however the producer must provide the information within 3 working days after receiving a request, should the information be requested. Bond Form
Education Provider Look-up
How to Renew Your Resident Producer License
Pearson VUE Candidate Handbook & Outline
Company Bulletin Regarding Mandatory online application
| 3,100 | 4,634 |
msmarco_v2.1_doc_01_1666129630#0_2441848485
|
http://insurance.illinois.gov/main/aboutUs.html
|
About The Illinois Department of Insurance
|
About the Illinois Department of Insurance
About the Illinois Department of Insurance
IDOI educates and protects consumers while regulating the state’s insurance market
Dana Popish Severinghaus, Acting Director
Our mission is to:
Our vision is to:
|
About The Illinois Department of Insurance
Home
Consumers ▼
Insurance Coverage COVID-19
File a Complaint
File an External Review
Consumer Insurance
• Auto
• Commercial Property Insurance
• Health
• Homeowners & Renters
• Life & Annuities
Consumer Hearings
Company Lookup
Public Pension
IDOI Secure Login - Applications
IDOI Reports
Producers ▼
Insurance Producers Portal
Illinois Public Adjuster
Licenses, Certifications, & FAQs
Producer Hearings
Regulatory Filings & Data Reporting
Director’s Orders
IDOI Secure Login - Applications
IDOI Reports
Companies ▼
Insurance Company Portal
Company Bulletins
Company Lookup
Certified Reinsurers
Company Taxes & Forms
Respondent Message Center Login
Affordable Care Act (ACA) for Issuers
Annual Statement forms for Insurance Companies
Approved PPA, URO, & EIRO’s
Illinois Medical Professional Liability Claims Reporting
Director’s Orders
Healthcare Rate Review Portal
Medical Malpractice Reporting
Checklists Life - Accident - Health
Policy Lookup - Life Accident Health
Policy Lookup - Property Casualty
Long Term Care Rescission Reporting Forms
Managed Care License / Registration Information
Property & Casualty Checklist
IDOI Secure Login - Applications
IDOI Reports
WC Fraud ▼
Workers’ Compensation Fraud Unit
Fraud Posters
Fraud Reports
Settlement of Surcharge Litigation
IDOI Secure Login - Applications
About Us ▼
Contact Us
About IDOI
Careers At IDOI
Employment Opportunities
About the Illinois Department of Insurance
IDOI educates and protects consumers while regulating the state’s insurance market
Dana Popish Severinghaus, Acting Director
Dana Popish Severinghaus, Acting Director of the Illinois Department of Insurance, brings extensive legal, policy, government relations and insurance industry-related experience to her new role heading a state regulatory agency. Popish Severinghaus was formerly Legislative and Regulatory Counsel at Allstate Insurance Company where she advised Allstate and its subsidiaries on legal, regulatory and legislative matters across the Midwest. Before that, she served as Senior Policy Advisor at the State of Illinois in Central Management Services where she oversaw the Bureau of Benefits. Prior to that, Popish Severinghaus served as the Director of Government Relations for Blue Cross Blue Shield of Illinois. Popish Severinghaus is a Member of the Association of Corporate Counsel, Board Member of the Illinois Insurance Guaranty Fund, Secretary of the Illinois Insurance Association, Advisory Board Member and Co-Chair of Government Relations Advisory Council for the Chicago Children’s Advocacy Center, Women in Law Mentor at Chicago Kent College of Law and Auxiliary Board Member of ChildServ. She earned her Bachelor of Arts in Communication Studies and Journalism & Mass Communications from the University of Iowa and Juris Doctor from Chicago Kent College of Law. Our mission is to: "To protect consumers by providing assistance and information, by efficiently regulating the insurance industry's market behavior and financial solvency, and by fostering a competitive insurance marketplace." Our vision is to: "Embrace efficiency and innovation to educate and protect Illinois insurance consumers and to encourage a vital and robust Illinois insurance market"
The Department carries out this mission through effective administration and enforcement of the Illinois Insurance Code (215 ILCS 5/1 et seq.),
| 0 | 3,409 |
msmarco_v2.1_doc_01_1666129630#1_2441852541
|
http://insurance.illinois.gov/main/aboutUs.html
|
About The Illinois Department of Insurance
|
About the Illinois Department of Insurance
About the Illinois Department of Insurance
IDOI educates and protects consumers while regulating the state’s insurance market
Dana Popish Severinghaus, Acting Director
Our mission is to:
Our vision is to:
|
She earned her Bachelor of Arts in Communication Studies and Journalism & Mass Communications from the University of Iowa and Juris Doctor from Chicago Kent College of Law. Our mission is to: "To protect consumers by providing assistance and information, by efficiently regulating the insurance industry's market behavior and financial solvency, and by fostering a competitive insurance marketplace." Our vision is to: "Embrace efficiency and innovation to educate and protect Illinois insurance consumers and to encourage a vital and robust Illinois insurance market"
The Department carries out this mission through effective administration and enforcement of the Illinois Insurance Code (215 ILCS 5/1 et seq.), the Illinois Pension Code (40 ILCS 5/1-101 et seq.), and related laws and regulations, including Title 50 of the Illinois Administrative Code. The Director is also responsible for the operations of the Office of the Special Deputy Receiver (OSD), which handles the affairs of insurance companies placed in rehabilitation, conservation or liquidation. If you have a question, please e-mail [email protected] or contact one of our toll-free hotlines. Former Directors of Insurance
| 2,696 | 3,896 |
msmarco_v2.1_doc_01_1666134130#0_2441854243
|
http://insurance.illinois.gov/producer/ResidentProducer.asp
|
404 Not Found Error
|
Page Not Found
Page Not Found
404 Error Code
The Page or Resource you are looking for was not found.
|
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Page Not Found
404 Error Code
The Page or Resource you are looking for was not found.
| 0 | 105 |
msmarco_v2.1_doc_01_1666134517#0_2441854680
|
http://insurance.ky.gov/
|
DEPARTMENT OF INSURANCE
|
COVID-19 Alert - For the latest information on the novel coronavirus in Kentucky, please visit kycovid19.ky.gov
DEPARTMENT OF INSURANCE
HOW DO I?
LATEST NEWS
Finding A Lost Life Insurance Policy | NAIC Life Insurance Policy Locator 60-Second Video
VISIT OTHER PPC AGENCIES
|
DEPARTMENT OF INSURANCE
COVID-19 Alert - For the latest information on the novel coronavirus in Kentucky, please visit kycovid19.ky.gov
PUBLIC PROTECTION CABINET
f t
DEPARTMENT OF INSURANCE
If you are trying to reach Kentucky Unemployment Insurance, please go to Kentucky Unemployment Insurance. If you have received fraudulent claims information, please go to Kentucky Unemployment Insurance Report UI Fraud. The Kentucky Department of Insurance regulates the Commonwealth's insurance market, licenses agents and other insurance professionals, monitors the financial condition of companies, educates consumers to make wise choices, and ensures Kentuckians are treated fairly in the marketplace. Contact us at 502-564-3630 or click here for more contact information. f t
Consumers
Licensees
Insurers
eServices
Resources
Contact the Department of Insurance
HOW DO I? Appeal a Denial from Your Health Benefit Plan
File a Consumer Complaint
Life Insurance Policy Locator []
Search for a KY Licensee
Search for a Company
Report Insurance Fraud
Read More..
LATEST NEWS
COVID-19 Department of Insurance Guidance
LGPT Bulletin 2021-001 - 2021-2022 Kentucky Local Government Premium Tax Updates
Department of Insurance’s consumer alert on how to avoid COVID-19 vaccine scams []
Advisory Opinion 2020-07 Application of 806 KAR 17:570, Section 20s - Comparison Statement Requirement to Medicare Advantage Plans - 11/23/2020
Insurance Examination Announcement
Advisory Opinion 2020-006 Internal and External Review Process for Self-funded Non-ERISA Plans - 10/13/2020
Read More..
QUICK LINKS
Division Directory
Publications
Bulletins and Advisories
Proposed Administrative Regulations
Materials Incorporated by Reference
Statutes and Regulations
Read More..
YouTube
NAIC News
801 subscribers
Subscribe
Finding A Lost Life Insurance Policy | NAIC Life Insurance Policy Locator 60-Second Video
Info
Shopping
Tap to unmute
If playback doesn't begin shortly, try restarting your device. You're signed out
Videos you watch may be added to the TV's watch history and influence TV recommendations. To avoid this, cancel and sign in to YouTube on your computer. Cancel
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| 0 | 2,298 |
msmarco_v2.1_doc_01_1666134517#1_2441857509
|
http://insurance.ky.gov/
|
DEPARTMENT OF INSURANCE
|
COVID-19 Alert - For the latest information on the novel coronavirus in Kentucky, please visit kycovid19.ky.gov
DEPARTMENT OF INSURANCE
HOW DO I?
LATEST NEWS
Finding A Lost Life Insurance Policy | NAIC Life Insurance Policy Locator 60-Second Video
VISIT OTHER PPC AGENCIES
|
Appeal a Denial from Your Health Benefit Plan
File a Consumer Complaint
Life Insurance Policy Locator []
Search for a KY Licensee
Search for a Company
Report Insurance Fraud
Read More..
LATEST NEWS
COVID-19 Department of Insurance Guidance
LGPT Bulletin 2021-001 - 2021-2022 Kentucky Local Government Premium Tax Updates
Department of Insurance’s consumer alert on how to avoid COVID-19 vaccine scams []
Advisory Opinion 2020-07 Application of 806 KAR 17:570, Section 20s - Comparison Statement Requirement to Medicare Advantage Plans - 11/23/2020
Insurance Examination Announcement
Advisory Opinion 2020-006 Internal and External Review Process for Self-funded Non-ERISA Plans - 10/13/2020
Read More..
QUICK LINKS
Division Directory
Publications
Bulletins and Advisories
Proposed Administrative Regulations
Materials Incorporated by Reference
Statutes and Regulations
Read More..
YouTube
NAIC News
801 subscribers
Subscribe
Finding A Lost Life Insurance Policy | NAIC Life Insurance Policy Locator 60-Second Video
Info
Shopping
Tap to unmute
If playback doesn't begin shortly, try restarting your device. You're signed out
Videos you watch may be added to the TV's watch history and influence TV recommendations. To avoid this, cancel and sign in to YouTube on your computer. Cancel
Confirm
More videos
More videos
Switch camera
Share
Include playlist
An error occurred while retrieving sharing information. Please try again later. Watch later
Share
Copy link
Watch on
0:00
0:00
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Live
•
VISIT OTHER PPC AGENCIES
| 865 | 2,379 |
msmarco_v2.1_doc_01_1666137397#0_2441859557
|
http://insurance.ky.gov/Home.aspx?Div_ID=2
|
DEPARTMENT OF INSURANCE
|
DEPARTMENT OF INSURANCE
HOW DO I?
LATEST NEWS
VISIT OTHER PPC AGENCIES
|
DEPARTMENT OF INSURANCE
COVID-19 Alert - For the latest information on the novel coronavirus in Kentucky, please visit kycovid19.ky.gov
PUBLIC PROTECTION CABINET
f t
DEPARTMENT OF INSURANCE
If you are trying to reach Kentucky Unemployment Insurance, please go to Kentucky Unemployment Insurance. If you have received fraudulent claims information, please go to Kentucky Unemployment Insurance Report UI Fraud. The Kentucky Department of Insurance regulates the Commonwealth's insurance market, licenses agents and other insurance professionals, monitors the financial condition of companies, educates consumers to make wise choices, and ensures Kentuckians are treated fairly in the marketplace. Contact us at 502-564-3630 or click here for more contact information. f t
Consumers
Licensees
Insurers
eServices
Resources
Contact the Department of Insurance
HOW DO I? Appeal a Denial from Your Health Benefit Plan
File a Consumer Complaint
Life Insurance Policy Locator []
Search for a KY Licensee
Search for a Company
Report Insurance Fraud
Read More..
LATEST NEWS
COVID-19 Department of Insurance Guidance
Several Central Kentucky Farmers Plead Guilty to Charges Related to Crop Insurance Fraud
LGPT Bulletin 2021-001 - 2021-2022 Kentucky Local Government Premium Tax Updates
Department of Insurance’s consumer alert on how to avoid COVID-19 vaccine scams []
Advisory Opinion 2020-07 Application of 806 KAR 17:570, Section 20s - Comparison Statement Requirement to Medicare Advantage Plans - 11/23/2020
Insurance Examination Announcement
Read More..
QUICK LINKS
Division Directory
Publications
Bulletins and Advisories
Proposed Administrative Regulations
Materials Incorporated by Reference
Statutes and Regulations
Read More..
YouTube
usoceangov
11.8K subscribers
Subscribe
Get Weather Ready - Before a Tornado
Info
Shopping
Tap to unmute
If playback doesn't begin shortly, try restarting your device. You're signed out
Videos you watch may be added to the TV's watch history and influence TV recommendations. To avoid this, cancel and sign in to YouTube on your computer. Cancel
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Switch camera
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Include playlist
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| 0 | 2,229 |
msmarco_v2.1_doc_01_1666137397#1_2441862131
|
http://insurance.ky.gov/Home.aspx?Div_ID=2
|
DEPARTMENT OF INSURANCE
|
DEPARTMENT OF INSURANCE
HOW DO I?
LATEST NEWS
VISIT OTHER PPC AGENCIES
|
Appeal a Denial from Your Health Benefit Plan
File a Consumer Complaint
Life Insurance Policy Locator []
Search for a KY Licensee
Search for a Company
Report Insurance Fraud
Read More..
LATEST NEWS
COVID-19 Department of Insurance Guidance
Several Central Kentucky Farmers Plead Guilty to Charges Related to Crop Insurance Fraud
LGPT Bulletin 2021-001 - 2021-2022 Kentucky Local Government Premium Tax Updates
Department of Insurance’s consumer alert on how to avoid COVID-19 vaccine scams []
Advisory Opinion 2020-07 Application of 806 KAR 17:570, Section 20s - Comparison Statement Requirement to Medicare Advantage Plans - 11/23/2020
Insurance Examination Announcement
Read More..
QUICK LINKS
Division Directory
Publications
Bulletins and Advisories
Proposed Administrative Regulations
Materials Incorporated by Reference
Statutes and Regulations
Read More..
YouTube
usoceangov
11.8K subscribers
Subscribe
Get Weather Ready - Before a Tornado
Info
Shopping
Tap to unmute
If playback doesn't begin shortly, try restarting your device. You're signed out
Videos you watch may be added to the TV's watch history and influence TV recommendations. To avoid this, cancel and sign in to YouTube on your computer. Cancel
Confirm
More videos
More videos
Switch camera
Share
Include playlist
An error occurred while retrieving sharing information. Please try again later. Watch later
Share
Copy link
Watch on
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0:00
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Live
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VISIT OTHER PPC AGENCIES
| 865 | 2,310 |
msmarco_v2.1_doc_01_1666140022#0_2441863924
|
http://insurance.ky.gov/PPC/Documents/2020-2021TaxSchedule_2.pdf
|
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0239
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Auburn
0125
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Barbourville
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Barlow
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0128
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0033
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Village
0129
Bellewood
0248
Brooksville
0134
Brownsboro
Farm
0260
Brownsboro
Village
1015
Burkesville
0137
Caneyville
0268
Carlisle
County
1035
Carrollton
0039
Carter
County
0870
Crab
Orchard
0280
Creekside
0458
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Crestwood
0284
14
Crittenden
0285
Crittenden
County
1007
Crossgate
0286
Cumberland
0043
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0044
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0045
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Dayton
0046
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Hills
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Druid
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0290
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Ridge
0156
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0048
Elizabethtown
0050
Elkhorn
City
0051
Elliott
County
0999
Eminence
0054
Ferguson
1034
K
Flemingsburg
0056
Floyd
County
1029
Georgetown
0062
Goose
Creek
0310
Graymoor-Devondale
0312
Green
County
1025
Green
Spring
0313
Greensburg
0164
Greenville
0064
Hardinsburg
0168
Harrodsburg
0066
Hawesville
0974
Hebron
Estates
0981
Heritage
Creek
0996
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Hill
0444
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Heights
0171
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Dales
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County
1000
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County
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Rockcastle
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Hills
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Windy
Hills
0234
15
Woodburn
0433
Woodbury
0459
Woodland
Hills
0434
|
Alexandria
0123
Allen
0237
Anchorage
0124
B
Anderson
County
0852
41
Arlington
0239
Ashland
0003
16
Auburn
0125
Audubon
Park
0126
Augusta
0030
Bancroft
0240
Barbourmeade
0242
Barbourville
0031
Bardwell
0127
19
Barlow
0243
10%
6%
5%
4%
8%
10%
6%
9%
8%
5%
5%
9%
9%
3%
or
7%
10%
6%
5%
4%
8%
10%
6%
9%
8%
5%
5%
9%
9%
3%
or
7%
10%
6%
5%
4%
8%
10%
6%
9%
8%
5%
5%
9%
9%
3%
or
7%
10%
6%
5%
4%
8%
10%
6%
9%
8%
5%
5%
9%
9%
3%
or
7%
None
6%
5%
4%
8%
10%
None
9%
None
5%
None
9%
9%
3%
or
7%
None
6%
5%
4%
8%
10%
None
9%
8%
5%
5%
9%
9%
3%
or
7%
10%
6%
5%
4%
8%
10%
6%
9%
8%
5%
5%
9%
9%
$5.00
$25.00
3%
or
7%
17
Beattyville
0128
Beaver
Dam
0033
Bedford
0244
Beechwood
Village
0129
8%
8%
6.9%
6.9%
11%
11%
5%
5%
8%
8%
6.9%
6.9%
11%
11%
5%
5%
4%
None
11%
None
8%
None
11%
5%
5%
11%
6.9%
8%
$5.00
asterisk
*
indicates
any
Taxing
Jurisdictions
that
have
amended
or
adopted
LGPT,
and/or
Tax
Codes,
since
the
last
published
edition
of
the
Tax
Schedule. Report
is
sorted
alphabetically
by
Taxing
Jurisdiction. Bellevue
0034
Bellewood
0248
Benton
0035
Berea
0036
Berry
0249
Blue
Ridge
Manor
0251
Bonnieville
1026
07
Bowling
Green
0004
Bradfordsville
0254
Brandenburg
0132
30
Breckinridge
County
0863
Briarwood
0256
Brodhead
0259
Broeck
Pointe
0455
Bromley
0133
Brooksville
0134
Brownsboro
Farm
0260
Brownsboro
Village
1015
10%
10%
5%
5%
7.5%
7.5%
6%
6%
7.5%
7.5%
5%
5%
8%
8%
7%
2%
3%
3%
8%
8%
5%
5%
5%
5%
6%
6%
5%
5%
10%
10%
7%
7%
5%
5%
5%
5%
10%
10%
5%
5%
7.5%
7.5%
6%
6%
7.5%
7.5%
5%
5%
8%
8%
2%
7%
3%
3%
8%
8%
5%
5%
5%
5%
6%
6%
5%
5%
10%
10%
7%
7%
5%
5%
5%
5%
10%
5%
7.5%
None
7.5%
5%
8%
2%
3%
8%
None
5%
6%
5%
None
7%
None
5%
10%
5%
$18.75
Flat
6%
7.5%
5%
8%
2%
3%
8%
5%
5%
6%
5%
None
7%
5%
5%
10%
5%
7.5%
6%
7.5%
5%
8%
7%
$5.00
3%
8%
5%
5%
6%
5%
10%
7%
5%
5%
asterisk
*
indicates
any
Taxing
Jurisdictions
that
have
amended
or
adopted
LGPT,
and/or
Tax
Codes,
since
the
last
published
edition
of
the
Tax
Schedule. Report
is
sorted
alphabetically
by
Taxing
Jurisdiction. Burgin
0136
Burkesville
0137
Burnside
0138
Butler
0139
Cadiz
0140
Calhoun
0141
California
0264
Calvert
City
0037
Cambridge
0266
Campbell
County
0868
Campbellsburg
0142
Campbellsville
0011
Campton
0267
Caneyville
0268
Carlisle
0038
Carlisle
County
1035
Carrollton
0039
Carter
County
0870
10%
10%
10%
10%
9%
9%
10%
10%
6%
6%
12%
12%
10%
10%
7%
7%
5%
5%
10%
10%
12%
12%
10%
10%
8%
8%
5.2%
5.2%
7.5%
7.5%
4%
4%
8%
8%
9%
9%
10%
10%
10%
10%
9%
9%
10%
10%
6%
6%
12%
12%
10%
10%
7%
7%
5%
5%
10%
10%
12%
12%
10%
10%
8%
8%
5.2%
5.2%
7.5%
7.5%
4%
4%
8%
8%
9%
9%
10%
10%
9%
10%
6%
12%
None
7%
5%
None
12%
10%
None
None
7.5%
4%
8%
None
10%
10%
9%
10%
6%
12%
10%
7%
5%
None
12%
2%
None
None
7.5%
4%
8%
None
10%
10%
9%
10%
6%
12%
10%
7%
5%
10%
12%
10%
8%
None
7.5%
4%
8%
9%
$5.00
$5.00
$5.00
$5.00
asterisk
*
indicates
any
Taxing
Jurisdictions
that
have
amended
or
adopted
LGPT,
and/or
Tax
Codes,
since
the
last
published
edition
of
the
Tax
Schedule. Report
is
sorted
alphabetically
by
Taxing
Jurisdiction. Crab
Orchard
0280
Creekside
0458
8%
8%
6%
6%
8%
8%
4%
4%
5%
5%
8%
8%
5%
5%
9%
9%
4%
4%
10%
10%
5%
5%
10%
10%
9%
9%
10%
10%
12%
12%
12%
12%
9%
9%
5.8%
5.8%
8%
8%
6%
6%
8%
8%
4%
4%
5%
5%
8%
8%
5%
5%
9%
9%
4%
4%
10%
10%
5%
5%
10%
10%
9%
9%
10%
10%
12%
12%
12%
12%
9%
9%
5.8%
5.8%
8%
None
8%
None
5%
None
None
9%
None
None
5%
10%
9%
10%
12%
12%
9%
5.8%
8%
None
8%
None
5%
None
None
None
4%
None
5%
10%
9%
10%
12%
12%
9%
5.8%
None
6%
8%
4%
5%
8%
None
9%
4%
10%
5%
10%
9%
10%
12%
12%
9%
5.8%
$5.00
$5.00
asterisk
*
indicates
any
Taxing
Jurisdictions
that
have
amended
or
adopted
LGPT,
and/or
Tax
Codes,
since
the
last
published
edition
of
the
Tax
Schedule. Report
is
sorted
alphabetically
by
Taxing
Jurisdiction. J
Crestwood
0284
14
Crittenden
0285
Crittenden
County
1007
Crofton
0153
Crossgate
0286
Cumberland
0043
Cynthiana
0044
Danville
0013
E-12
Daviess
County
0879
Dawson
Springs
0045
01
Dayton
0046
Dixon
0288
Douglass
Hills
0047
Dover
0289
Druid
Hills
0290
Dry
Ridge
0156
Earlington
0048
Eddyville
0157
10%
10%
9%
9%
2%
2%
10%
10%
5%
5%
8%
8%
6%
6%
10%
10%
8.9%
8.9%
10%
10%
11%
11%
5%
5%
5%
5%
7%
7%
5%
5%
8.5%
8.5%
10%
10%
10%
10%
10%
10%
9%
9%
2%
2%
10%
10%
5%
5%
8%
8%
6%
6%
10%
10%
8.9%
8.9%
10%
10%
11%
11%
5%
5%
5%
5%
7%
7%
5%
5%
8.5%
8.5%
10%
10%
5%
10%
10%
9%
None
10%
5%
8%
6%
None
4.9%
5%
None
5%
None
7%
5%
8.5%
10%
None
10%
9%
None
10%
5%
8%
6%
10%
None
5%
None
5%
5%
7%
5%
8.5%
10%
None
10%
9%
2%
10%
5%
8%
6%
10%
None
10%
11%
5%
5%
7%
5%
8.5%
10%
10%
$5.00
asterisk
*
indicates
any
Taxing
Jurisdictions
that
have
amended
or
adopted
LGPT,
and/or
Tax
Codes,
since
the
last
published
edition
of
the
Tax
Schedule. Report
is
sorted
alphabetically
by
Taxing
Jurisdiction.
| 0 | 6,178 |
|
msmarco_v2.1_doc_01_1666140022#1_2441876075
|
http://insurance.ky.gov/PPC/Documents/2020-2021TaxSchedule_2.pdf
|
Alexandria
0123
41
Arlington
0239
16
Auburn
0125
Audubon
Park
0126
Barbourmeade
0242
Barbourville
0031
19
Barlow
0243
17
Beattyville
0128
Beaver
Dam
0033
Beechwood
Village
0129
Bellewood
0248
Brooksville
0134
Brownsboro
Farm
0260
Brownsboro
Village
1015
Burkesville
0137
Caneyville
0268
Carlisle
County
1035
Carrollton
0039
Carter
County
0870
Crab
Orchard
0280
Creekside
0458
J
Crestwood
0284
14
Crittenden
0285
Crittenden
County
1007
Crossgate
0286
Cumberland
0043
Cynthiana
0044
Dawson
Springs
0045
01
Dayton
0046
Douglass
Hills
0047
Druid
Hills
0290
Dry
Ridge
0156
Earlington
0048
Elizabethtown
0050
Elkhorn
City
0051
Elliott
County
0999
Eminence
0054
Ferguson
1034
K
Flemingsburg
0056
Floyd
County
1029
Georgetown
0062
Goose
Creek
0310
Graymoor-Devondale
0312
Green
County
1025
Green
Spring
0313
Greensburg
0164
Greenville
0064
Hardinsburg
0168
Harrodsburg
0066
Hawesville
0974
Hebron
Estates
0981
Heritage
Creek
0996
Hickory
Hill
0444
Highland
Heights
0171
Hills
And
Dales
0448
L-35
Kenton
County
1000
15
Kuttawa
0180
La
Center
0181
Lakeside
Park
0182
Lawrenceburg
0075
D
Lexington-Fayette
0002
Lincolnshire
0336
Livermore
0188
Livingston
0337
R
Louisville-Jefferson
0001
Maryhill
Estates
0342
McCracken
Co.
1040
Middlesboro
0023
Middletown
0085
32
Millersburg
0196
*
Mount
Washington
1008
Muldraugh
0202
Murray
Hill
0446
02
New
Haven
0354
Oak
Grove
0208
Owingsville
0092
Owsley
County
0944
25
Paintsville
0093
G
Park
Hills
0094
Parkway
Village
0361
Pembroke
0362
06
Pewee
Valley
0211
03
Powderly
0370
Powell
County
1013
Princeton
0098
Providence
0099
Pulaski
County
0949
Richmond
0010
River
Bluff
0457
Riverwood
0374
Robertson
County
1024
Rockcastle
County
0951
Rolling
Fields
0378
Rolling
Hills
0216
Russell
Springs
0217
Sacramento
0382
Sadieville
0440
10
Salyersville
0105
Science
Hill
0387
Scottsville
0106
*
Shepherdsville
0986
Southgate
0109
Strathmoor
Manor
0405
Strathmoor
Village
0406
20
Vine
Grove
0117
Washington
County
0964
Watterson
Park
0450
Wayne
County
0965
Wellington
0973
West
Buechel
0227
12
Whitesville
0426
Wildwood
0427
Williamsburg
0119
Williamstown
0233
Winchester
0029
Windy
Hills
0234
15
Woodburn
0433
Woodbury
0459
Woodland
Hills
0434
|
Report
is
sorted
alphabetically
by
Taxing
Jurisdiction. Crab
Orchard
0280
Creekside
0458
8%
8%
6%
6%
8%
8%
4%
4%
5%
5%
8%
8%
5%
5%
9%
9%
4%
4%
10%
10%
5%
5%
10%
10%
9%
9%
10%
10%
12%
12%
12%
12%
9%
9%
5.8%
5.8%
8%
8%
6%
6%
8%
8%
4%
4%
5%
5%
8%
8%
5%
5%
9%
9%
4%
4%
10%
10%
5%
5%
10%
10%
9%
9%
10%
10%
12%
12%
12%
12%
9%
9%
5.8%
5.8%
8%
None
8%
None
5%
None
None
9%
None
None
5%
10%
9%
10%
12%
12%
9%
5.8%
8%
None
8%
None
5%
None
None
None
4%
None
5%
10%
9%
10%
12%
12%
9%
5.8%
None
6%
8%
4%
5%
8%
None
9%
4%
10%
5%
10%
9%
10%
12%
12%
9%
5.8%
$5.00
$5.00
asterisk
*
indicates
any
Taxing
Jurisdictions
that
have
amended
or
adopted
LGPT,
and/or
Tax
Codes,
since
the
last
published
edition
of
the
Tax
Schedule. Report
is
sorted
alphabetically
by
Taxing
Jurisdiction. J
Crestwood
0284
14
Crittenden
0285
Crittenden
County
1007
Crofton
0153
Crossgate
0286
Cumberland
0043
Cynthiana
0044
Danville
0013
E-12
Daviess
County
0879
Dawson
Springs
0045
01
Dayton
0046
Dixon
0288
Douglass
Hills
0047
Dover
0289
Druid
Hills
0290
Dry
Ridge
0156
Earlington
0048
Eddyville
0157
10%
10%
9%
9%
2%
2%
10%
10%
5%
5%
8%
8%
6%
6%
10%
10%
8.9%
8.9%
10%
10%
11%
11%
5%
5%
5%
5%
7%
7%
5%
5%
8.5%
8.5%
10%
10%
10%
10%
10%
10%
9%
9%
2%
2%
10%
10%
5%
5%
8%
8%
6%
6%
10%
10%
8.9%
8.9%
10%
10%
11%
11%
5%
5%
5%
5%
7%
7%
5%
5%
8.5%
8.5%
10%
10%
5%
10%
10%
9%
None
10%
5%
8%
6%
None
4.9%
5%
None
5%
None
7%
5%
8.5%
10%
None
10%
9%
None
10%
5%
8%
6%
10%
None
5%
None
5%
5%
7%
5%
8.5%
10%
None
10%
9%
2%
10%
5%
8%
6%
10%
None
10%
11%
5%
5%
7%
5%
8.5%
10%
10%
$5.00
asterisk
*
indicates
any
Taxing
Jurisdictions
that
have
amended
or
adopted
LGPT,
and/or
Tax
Codes,
since
the
last
published
edition
of
the
Tax
Schedule. Report
is
sorted
alphabetically
by
Taxing
Jurisdiction. Elizabethtown
0050
Elkhorn
City
0051
Elkton
0052
Elliott
County
0999
Elsmere
0053
Eminence
0054
Erlanger
0014
Evarts
0159
Ewing
1002
Falmouth
0055
Ferguson
1034
Fincastle
0297
Flatwoods
0015
36
Fleming
County
1005
Fleming-Neon
0161
K
Flemingsburg
0056
Florence
0016
Floyd
County
1029
8%
3%
8%
6%
10%
10%
9.75%
10%
6%
10%
6.32%
5%
8%
6%
5%
6%
5%
4%
8%
3%
8%
6%
10%
10%
9.75%
10%
6%
10%
6.32%
5%
8%
6%
5%
6%
5%
4%
8%
3%
8%
6%
10%
10%
9.75%
10%
6%
10%
6.32%
5%
8%
6%
5%
6%
5%
4%
8%
3%
8%
6%
10%
10%
9.75%
10%
6%
10%
6.32%
5%
8%
6%
5%
6%
5%
4%
None
None
None
None
10%
10%
9.75%
10%
None
10%
6.32%
5%
None
None
5%
6%
5%
4%
None
3%
None
None
10%
10%
9.75%
10%
6%
10%
8%
5%
$25.00
Flat
6%
5%
6%
5%
4%
8%
3%
8%
6%
10%
10%
9.75%
10%
6%
10%
6.32%
5%
8%
6%
5%
6%
5%
4%
$10.00
$5.00
$10.00
$10.00
asterisk
*
indicates
any
Taxing
Jurisdictions
that
have
amended
or
adopted
LGPT,
and/or
Tax
Codes,
since
the
last
published
edition
of
the
Tax
Schedule. Report
is
sorted
alphabetically
by
Taxing
Jurisdiction. H
Fort
Mitchell
0057
Fort
Thomas
0058
P
Fort
Wright
0059
Fountain
Run
0301
*
Fox
Chase
0967
Frankfort
0006
Franklin
0060
Franklin
County
0886
Fredonia
0162
Frenchburg
0302
Fulton
1037
04
Fulton
County
0887
Gamaliel
0303
Georgetown
0062
Ghent
1003
Glasgow
0017
Glencoe
0309
Glenview
0464
7%
7%
10%
10%
8%
8%
5%
5%
5%
5%
6%
6%
9%
9%
6%
6%
6%
6%
5%
5%
3%
3%
3%
3%
7%
7%
5%
5%
5%
5%
5%
5%
6%
6%
5%
5%
7%
7%
10%
10%
8%
8%
5%
5%
5%
5%
6%
6%
9%
9%
6%
6%
6%
6%
5%
5%
3%
3%
3%
3%
7%
7%
5%
5%
5%
5%
5%
5%
6%
6%
5%
5%
7%
10%
None
5%
None
6%
9%
None
None
5%
3%
None
7%
5%
5%
2%
6%
5%
7%
10%
8%
5%
None
6%
9%
6%
None
5%
3%
3%
7%
5%
5%
2%
6%
5%
7%
10%
8%
5%
5%
6%
9%
6%
6%
5%
3%
3%
$10.00
7%
5%
5%
5%
6%
5%
asterisk
*
indicates
any
Taxing
Jurisdictions
that
have
amended
or
adopted
LGPT,
and/or
Tax
Codes,
since
the
last
published
edition
of
the
Tax
Schedule. Report
is
sorted
alphabetically
by
Taxing
Jurisdiction. 48-43
Goose
Creek
0310
Goshen
0451
Graymoor-Devondale
0312
Grayson
0063
Green
County
1025
Green
Spring
0313
Greensburg
0164
Greenup
0165
Greenville
0064
Guthrie
0166
Hanson
0314
Hardinsburg
0168
Harlan
0065
Harrodsburg
0066
Hartford
0169
Hawesville
0974
Hazard
0018
Hebron
Estates
0981
10%
10%
5%
10.5%
3%
5.75%
10%
8%
11%
8%
10%
6%
8%
10%
10%
8%
5%
5%
10%
10%
5%
10.5%
3%
5.75%
10%
8%
11%
8%
10%
6%
8%
10%
10%
8%
5%
5%
10%
10%
5%
10.5%
3%
5.75%
10%
8%
11%
8%
10%
6%
8%
10%
10%
8%
5%
5%
10%
10%
5%
10.5%
3%
5.75%
10%
8%
11%
8%
10%
6%
8%
10%
10%
8%
5%
5%
None
None
None
None
None
None
None
None
11%
None
None
6%
None
10%
10%
8%
5%
None
10%
10%
5%
None
None
5.75%
10%
None
11%
5%
10%
None
8%
10%
10%
None
5%
None
10%
10%
5%
10.5%
3%
5.75%
10%
None
$5.00
11%
8%
10%
6%
8%
10%
10%
8%
5%
5%
asterisk
*
indicates
any
Taxing
Jurisdictions
that
have
amended
or
adopted
LGPT,
and/or
Tax
Codes,
since
the
last
published
edition
of
the
Tax
Schedule.
| 3,910 | 9,923 |
|
msmarco_v2.1_doc_01_1666140022#2_2441887994
|
http://insurance.ky.gov/PPC/Documents/2020-2021TaxSchedule_2.pdf
|
Alexandria
0123
41
Arlington
0239
16
Auburn
0125
Audubon
Park
0126
Barbourmeade
0242
Barbourville
0031
19
Barlow
0243
17
Beattyville
0128
Beaver
Dam
0033
Beechwood
Village
0129
Bellewood
0248
Brooksville
0134
Brownsboro
Farm
0260
Brownsboro
Village
1015
Burkesville
0137
Caneyville
0268
Carlisle
County
1035
Carrollton
0039
Carter
County
0870
Crab
Orchard
0280
Creekside
0458
J
Crestwood
0284
14
Crittenden
0285
Crittenden
County
1007
Crossgate
0286
Cumberland
0043
Cynthiana
0044
Dawson
Springs
0045
01
Dayton
0046
Douglass
Hills
0047
Druid
Hills
0290
Dry
Ridge
0156
Earlington
0048
Elizabethtown
0050
Elkhorn
City
0051
Elliott
County
0999
Eminence
0054
Ferguson
1034
K
Flemingsburg
0056
Floyd
County
1029
Georgetown
0062
Goose
Creek
0310
Graymoor-Devondale
0312
Green
County
1025
Green
Spring
0313
Greensburg
0164
Greenville
0064
Hardinsburg
0168
Harrodsburg
0066
Hawesville
0974
Hebron
Estates
0981
Heritage
Creek
0996
Hickory
Hill
0444
Highland
Heights
0171
Hills
And
Dales
0448
L-35
Kenton
County
1000
15
Kuttawa
0180
La
Center
0181
Lakeside
Park
0182
Lawrenceburg
0075
D
Lexington-Fayette
0002
Lincolnshire
0336
Livermore
0188
Livingston
0337
R
Louisville-Jefferson
0001
Maryhill
Estates
0342
McCracken
Co.
1040
Middlesboro
0023
Middletown
0085
32
Millersburg
0196
*
Mount
Washington
1008
Muldraugh
0202
Murray
Hill
0446
02
New
Haven
0354
Oak
Grove
0208
Owingsville
0092
Owsley
County
0944
25
Paintsville
0093
G
Park
Hills
0094
Parkway
Village
0361
Pembroke
0362
06
Pewee
Valley
0211
03
Powderly
0370
Powell
County
1013
Princeton
0098
Providence
0099
Pulaski
County
0949
Richmond
0010
River
Bluff
0457
Riverwood
0374
Robertson
County
1024
Rockcastle
County
0951
Rolling
Fields
0378
Rolling
Hills
0216
Russell
Springs
0217
Sacramento
0382
Sadieville
0440
10
Salyersville
0105
Science
Hill
0387
Scottsville
0106
*
Shepherdsville
0986
Southgate
0109
Strathmoor
Manor
0405
Strathmoor
Village
0406
20
Vine
Grove
0117
Washington
County
0964
Watterson
Park
0450
Wayne
County
0965
Wellington
0973
West
Buechel
0227
12
Whitesville
0426
Wildwood
0427
Williamsburg
0119
Williamstown
0233
Winchester
0029
Windy
Hills
0234
15
Woodburn
0433
Woodbury
0459
Woodland
Hills
0434
|
Elizabethtown
0050
Elkhorn
City
0051
Elkton
0052
Elliott
County
0999
Elsmere
0053
Eminence
0054
Erlanger
0014
Evarts
0159
Ewing
1002
Falmouth
0055
Ferguson
1034
Fincastle
0297
Flatwoods
0015
36
Fleming
County
1005
Fleming-Neon
0161
K
Flemingsburg
0056
Florence
0016
Floyd
County
1029
8%
3%
8%
6%
10%
10%
9.75%
10%
6%
10%
6.32%
5%
8%
6%
5%
6%
5%
4%
8%
3%
8%
6%
10%
10%
9.75%
10%
6%
10%
6.32%
5%
8%
6%
5%
6%
5%
4%
8%
3%
8%
6%
10%
10%
9.75%
10%
6%
10%
6.32%
5%
8%
6%
5%
6%
5%
4%
8%
3%
8%
6%
10%
10%
9.75%
10%
6%
10%
6.32%
5%
8%
6%
5%
6%
5%
4%
None
None
None
None
10%
10%
9.75%
10%
None
10%
6.32%
5%
None
None
5%
6%
5%
4%
None
3%
None
None
10%
10%
9.75%
10%
6%
10%
8%
5%
$25.00
Flat
6%
5%
6%
5%
4%
8%
3%
8%
6%
10%
10%
9.75%
10%
6%
10%
6.32%
5%
8%
6%
5%
6%
5%
4%
$10.00
$5.00
$10.00
$10.00
asterisk
*
indicates
any
Taxing
Jurisdictions
that
have
amended
or
adopted
LGPT,
and/or
Tax
Codes,
since
the
last
published
edition
of
the
Tax
Schedule. Report
is
sorted
alphabetically
by
Taxing
Jurisdiction. H
Fort
Mitchell
0057
Fort
Thomas
0058
P
Fort
Wright
0059
Fountain
Run
0301
*
Fox
Chase
0967
Frankfort
0006
Franklin
0060
Franklin
County
0886
Fredonia
0162
Frenchburg
0302
Fulton
1037
04
Fulton
County
0887
Gamaliel
0303
Georgetown
0062
Ghent
1003
Glasgow
0017
Glencoe
0309
Glenview
0464
7%
7%
10%
10%
8%
8%
5%
5%
5%
5%
6%
6%
9%
9%
6%
6%
6%
6%
5%
5%
3%
3%
3%
3%
7%
7%
5%
5%
5%
5%
5%
5%
6%
6%
5%
5%
7%
7%
10%
10%
8%
8%
5%
5%
5%
5%
6%
6%
9%
9%
6%
6%
6%
6%
5%
5%
3%
3%
3%
3%
7%
7%
5%
5%
5%
5%
5%
5%
6%
6%
5%
5%
7%
10%
None
5%
None
6%
9%
None
None
5%
3%
None
7%
5%
5%
2%
6%
5%
7%
10%
8%
5%
None
6%
9%
6%
None
5%
3%
3%
7%
5%
5%
2%
6%
5%
7%
10%
8%
5%
5%
6%
9%
6%
6%
5%
3%
3%
$10.00
7%
5%
5%
5%
6%
5%
asterisk
*
indicates
any
Taxing
Jurisdictions
that
have
amended
or
adopted
LGPT,
and/or
Tax
Codes,
since
the
last
published
edition
of
the
Tax
Schedule. Report
is
sorted
alphabetically
by
Taxing
Jurisdiction. 48-43
Goose
Creek
0310
Goshen
0451
Graymoor-Devondale
0312
Grayson
0063
Green
County
1025
Green
Spring
0313
Greensburg
0164
Greenup
0165
Greenville
0064
Guthrie
0166
Hanson
0314
Hardinsburg
0168
Harlan
0065
Harrodsburg
0066
Hartford
0169
Hawesville
0974
Hazard
0018
Hebron
Estates
0981
10%
10%
5%
10.5%
3%
5.75%
10%
8%
11%
8%
10%
6%
8%
10%
10%
8%
5%
5%
10%
10%
5%
10.5%
3%
5.75%
10%
8%
11%
8%
10%
6%
8%
10%
10%
8%
5%
5%
10%
10%
5%
10.5%
3%
5.75%
10%
8%
11%
8%
10%
6%
8%
10%
10%
8%
5%
5%
10%
10%
5%
10.5%
3%
5.75%
10%
8%
11%
8%
10%
6%
8%
10%
10%
8%
5%
5%
None
None
None
None
None
None
None
None
11%
None
None
6%
None
10%
10%
8%
5%
None
10%
10%
5%
None
None
5.75%
10%
None
11%
5%
10%
None
8%
10%
10%
None
5%
None
10%
10%
5%
10.5%
3%
5.75%
10%
None
$5.00
11%
8%
10%
6%
8%
10%
10%
8%
5%
5%
asterisk
*
indicates
any
Taxing
Jurisdictions
that
have
amended
or
adopted
LGPT,
and/or
Tax
Codes,
since
the
last
published
edition
of
the
Tax
Schedule. Report
is
sorted
alphabetically
by
Taxing
Jurisdiction. Herita
| 6,178 | 10,000 |
|
msmarco_v2.1_doc_01_1666177107#0_2441897196
|
http://insurance.ky.gov/PPC/Documents/nf1020718.pdf
|
COMMONWEALTH OF KENTUCKY Department Of Insurance P.O. Box 517 Frankfort, Kentucky 40602-0517 Kentucky No-Fault Rejection Form
COMMONWEALTH
OF
KENTUCKY
Department
Of
Insurance
Kentucky
No-Fault
Rejection
Form
ADVISORY
COMMONWEALTH
OF
KENTUCKY
Rejection
Form
Department
Of
Insurance
P.O.
Box
517
Frankfort,
Kentucky
40602-0517
HOUSEHOLD
ADDRESS
MEMBERS
OF
THE
HOUSEHOLD
COMMONWEALTH
OF
KENTUCKY
Rejection
Form
Department
Of
Insurance
CONTINUATION
OF
MEMBERS
OF
THE
HOUSEHOLD
NF
1c
P&C
(12/17)
|
COMMONWEALTH OF KENTUCKY Department Of Insurance P.O. Box 517 Frankfort, Kentucky 40602-0517 Kentucky No-Fault Rejection Form
COMMONWEALTH
OF
KENTUCKY
Department
Of
Insurance
P.O.
Box
517
Frankfort,
Kentucky
40602-0517
Kentucky
No-Fault
Rejection
Form
KRS
304.39-060
requires
the
Department
of
Insurance
to
establish
record
keeping
procedures
to
track
those
who
elect
not
to
consent
to
the
limitations
of
their
tort
rights
and
liabilities. Because
such
rejection
is
effective
until
revoked,
it
is
therefore
necessary
to
have
an
identifier
which
is
unique
and
permanent
to
each
individual
electing
to
reject. A
social
security
number
is
such
an
identifier. In
today's
society,
names
are
the
same
or
similar,
and
names
change. Birthdate
and
place
of
birth
data
is
being
collected
as
an
alternative
identifier,
however,
it
will
not
have
the
same
reliability. The
Department
will
not
release
social
security
numbers
in
response
to
verification
requests. ADVISORY
CAUTION! BEFORE
SIGNING
THE
ATTACHED
KENTUCKY
NO-FAULT
REJECTION
FORM,
READ
THE
FOLLOWING
AS
WELL
AS
THE
REJECTION
FORM
CAREFULLY: Kentucky
law
requires
anyone
who
uses,
owns,
or
maintains
a
motor
vehicle
in
this
state
to
have
insurance. The
minimum
required
insurance
is:
| 0 | 1,573 |
|
msmarco_v2.1_doc_01_1666177107#1_2441899977
|
http://insurance.ky.gov/PPC/Documents/nf1020718.pdf
|
COMMONWEALTH OF KENTUCKY Department Of Insurance P.O. Box 517 Frankfort, Kentucky 40602-0517 Kentucky No-Fault Rejection Form
COMMONWEALTH
OF
KENTUCKY
Department
Of
Insurance
Kentucky
No-Fault
Rejection
Form
ADVISORY
COMMONWEALTH
OF
KENTUCKY
Rejection
Form
Department
Of
Insurance
P.O.
Box
517
Frankfort,
Kentucky
40602-0517
HOUSEHOLD
ADDRESS
MEMBERS
OF
THE
HOUSEHOLD
COMMONWEALTH
OF
KENTUCKY
Rejection
Form
Department
Of
Insurance
CONTINUATION
OF
MEMBERS
OF
THE
HOUSEHOLD
NF
1c
P&C
(12/17)
|
The
Department
will
not
release
social
security
numbers
in
response
to
verification
requests. ADVISORY
CAUTION! BEFORE
SIGNING
THE
ATTACHED
KENTUCKY
NO-FAULT
REJECTION
FORM,
READ
THE
FOLLOWING
AS
WELL
AS
THE
REJECTION
FORM
CAREFULLY: Kentucky
law
requires
anyone
who
uses,
owns,
or
maintains
a
motor
vehicle
in
this
state
to
have
insurance. The
minimum
required
insurance
is: Liability
Coverage
of
Bodily
Injury
$25,000
per
person/$50,000
per
accident,
and
Property
Damage
$25,000
per
accident,
or
$60,000
combined
Liability
Coverage. Uninsured
Motorist
Coverage
equal
to
the
minimum
Bodily
Injury
limits,
unless
you
reject
this
in
a
separate
writing; and
Basic
No-Fault
Coverage
(often
called
Personal
Injury
Protection
(PIP)
or
Basic
Reparations
Benefits
(BRB))
of
$10,000
per
person. Basic
No-Fault
Coverage
provides
prompt
payment
of
medical
expenses,
lost
wages
up
to
$200
per
week,
replacement
services
and
survivor's
benefits
due
to
bodily
injury
arising
out
of
a
motor
vehicle
accident. These
payments
are
made
to
covered
injured
persons
who
usually
include
occupants
of
the
covered
vehicle
and
pedestrians
struck
by
the
covered
vehicle.
| 1,082 | 2,598 |
|
msmarco_v2.1_doc_01_1666177107#2_2441902693
|
http://insurance.ky.gov/PPC/Documents/nf1020718.pdf
|
COMMONWEALTH OF KENTUCKY Department Of Insurance P.O. Box 517 Frankfort, Kentucky 40602-0517 Kentucky No-Fault Rejection Form
COMMONWEALTH
OF
KENTUCKY
Department
Of
Insurance
Kentucky
No-Fault
Rejection
Form
ADVISORY
COMMONWEALTH
OF
KENTUCKY
Rejection
Form
Department
Of
Insurance
P.O.
Box
517
Frankfort,
Kentucky
40602-0517
HOUSEHOLD
ADDRESS
MEMBERS
OF
THE
HOUSEHOLD
COMMONWEALTH
OF
KENTUCKY
Rejection
Form
Department
Of
Insurance
CONTINUATION
OF
MEMBERS
OF
THE
HOUSEHOLD
NF
1c
P&C
(12/17)
|
Liability
Coverage
of
Bodily
Injury
$25,000
per
person/$50,000
per
accident,
and
Property
Damage
$25,000
per
accident,
or
$60,000
combined
Liability
Coverage. Uninsured
Motorist
Coverage
equal
to
the
minimum
Bodily
Injury
limits,
unless
you
reject
this
in
a
separate
writing; and
Basic
No-Fault
Coverage
(often
called
Personal
Injury
Protection
(PIP)
or
Basic
Reparations
Benefits
(BRB))
of
$10,000
per
person. Basic
No-Fault
Coverage
provides
prompt
payment
of
medical
expenses,
lost
wages
up
to
$200
per
week,
replacement
services
and
survivor's
benefits
due
to
bodily
injury
arising
out
of
a
motor
vehicle
accident. These
payments
are
made
to
covered
injured
persons
who
usually
include
occupants
of
the
covered
vehicle
and
pedestrians
struck
by
the
covered
vehicle. Additional
amounts
of
No-Fault
coverage
may
be
purchased
as
optional
coverage. If
you
have
No-Fault
Coverage,
your
right
to
sue
the
at-fault
party
is
limited
unless
your
injury
involves
a
broken
bone,
permanent
disfigurement,
medical
expenses
over
$1,000,
permanent
injury,
or
death. With
these
injuries
that
exceed
the
No-Fault
thresholds,
you
retain
your
right
to
sue
for
pain
and
suffering
and
expenses
not
included
by
No-Fault
Coverage. You
may
reject
No-Fault
Coverage
and
the
limitations
on
your
right
to
sue. If
you
reject:
| 1,573 | 3,303 |
|
msmarco_v2.1_doc_01_1666177107#3_2441905672
|
http://insurance.ky.gov/PPC/Documents/nf1020718.pdf
|
COMMONWEALTH OF KENTUCKY Department Of Insurance P.O. Box 517 Frankfort, Kentucky 40602-0517 Kentucky No-Fault Rejection Form
COMMONWEALTH
OF
KENTUCKY
Department
Of
Insurance
Kentucky
No-Fault
Rejection
Form
ADVISORY
COMMONWEALTH
OF
KENTUCKY
Rejection
Form
Department
Of
Insurance
P.O.
Box
517
Frankfort,
Kentucky
40602-0517
HOUSEHOLD
ADDRESS
MEMBERS
OF
THE
HOUSEHOLD
COMMONWEALTH
OF
KENTUCKY
Rejection
Form
Department
Of
Insurance
CONTINUATION
OF
MEMBERS
OF
THE
HOUSEHOLD
NF
1c
P&C
(12/17)
|
Additional
amounts
of
No-Fault
coverage
may
be
purchased
as
optional
coverage. If
you
have
No-Fault
Coverage,
your
right
to
sue
the
at-fault
party
is
limited
unless
your
injury
involves
a
broken
bone,
permanent
disfigurement,
medical
expenses
over
$1,000,
permanent
injury,
or
death. With
these
injuries
that
exceed
the
No-Fault
thresholds,
you
retain
your
right
to
sue
for
pain
and
suffering
and
expenses
not
included
by
No-Fault
Coverage. You
may
reject
No-Fault
Coverage
and
the
limitations
on
your
right
to
sue. If
you
reject: Your
rejection
will
apply
to
you
in
any
motor
vehicle,
whether
owned
by
you
or
others. There
is
no
exception
for
a
rejection
signed
as
a
condition
of
employment. The
only
exception
is
that
an
owner
or
operator
of
a
motorcycle
may
file
a
rejection
that
applies
only
to
the
motorcycle. Your
rejection
will
be
effective
upon
receipt
by
the
Department
of
Insurance
and
it
will
remain
effective
until
revoked
in
writing,
except
for
rejections
on
behalf
of
minors. Upon
reaching
the
age
of
majority,
the
rejection
on
behalf
of
the
minor
is
no
longer
effective.
| 2,598 | 4,057 |
|
msmarco_v2.1_doc_01_1666177107#4_2441908347
|
http://insurance.ky.gov/PPC/Documents/nf1020718.pdf
|
COMMONWEALTH OF KENTUCKY Department Of Insurance P.O. Box 517 Frankfort, Kentucky 40602-0517 Kentucky No-Fault Rejection Form
COMMONWEALTH
OF
KENTUCKY
Department
Of
Insurance
Kentucky
No-Fault
Rejection
Form
ADVISORY
COMMONWEALTH
OF
KENTUCKY
Rejection
Form
Department
Of
Insurance
P.O.
Box
517
Frankfort,
Kentucky
40602-0517
HOUSEHOLD
ADDRESS
MEMBERS
OF
THE
HOUSEHOLD
COMMONWEALTH
OF
KENTUCKY
Rejection
Form
Department
Of
Insurance
CONTINUATION
OF
MEMBERS
OF
THE
HOUSEHOLD
NF
1c
P&C
(12/17)
|
Your
rejection
will
apply
to
you
in
any
motor
vehicle,
whether
owned
by
you
or
others. There
is
no
exception
for
a
rejection
signed
as
a
condition
of
employment. The
only
exception
is
that
an
owner
or
operator
of
a
motorcycle
may
file
a
rejection
that
applies
only
to
the
motorcycle. Your
rejection
will
be
effective
upon
receipt
by
the
Department
of
Insurance
and
it
will
remain
effective
until
revoked
in
writing,
except
for
rejections
on
behalf
of
minors. Upon
reaching
the
age
of
majority,
the
rejection
on
behalf
of
the
minor
is
no
longer
effective. You
will
not
be
entitled
to
receive
No-Fault
Benefits. Your
premium
may
be
higher
due
to
your
rejection
of
No-Fault,
as
others
will
have
the
same
right
to
sue
you
for
injuries,
which
do
not
reach
the
No-Fault
thresholds,
even
if
they
did
not
reject. You
will
have
to
prove
the
other
party
was
at
fault
before
you
can
recover. Your
recovery
will
be
reduced
by
any
degree
of
fault
on
your
part. NF
1a
P&C
(12/17)
COMMONWEALTH
OF
KENTUCKY
Rejection
Form
Department
Of
Insurance
P.O.
Box
517
Frankfort,
Kentucky
40602-0517
Acceptance
of
No-Fault
Insurance
denies
each
individual
the
right
to
sue
a
negligent
motorist
unless
certain
requirements
are
met.
| 3,303 | 4,952 |
|
msmarco_v2.1_doc_01_1666177107#5_2441911263
|
http://insurance.ky.gov/PPC/Documents/nf1020718.pdf
|
COMMONWEALTH OF KENTUCKY Department Of Insurance P.O. Box 517 Frankfort, Kentucky 40602-0517 Kentucky No-Fault Rejection Form
COMMONWEALTH
OF
KENTUCKY
Department
Of
Insurance
Kentucky
No-Fault
Rejection
Form
ADVISORY
COMMONWEALTH
OF
KENTUCKY
Rejection
Form
Department
Of
Insurance
P.O.
Box
517
Frankfort,
Kentucky
40602-0517
HOUSEHOLD
ADDRESS
MEMBERS
OF
THE
HOUSEHOLD
COMMONWEALTH
OF
KENTUCKY
Rejection
Form
Department
Of
Insurance
CONTINUATION
OF
MEMBERS
OF
THE
HOUSEHOLD
NF
1c
P&C
(12/17)
|
You
will
not
be
entitled
to
receive
No-Fault
Benefits. Your
premium
may
be
higher
due
to
your
rejection
of
No-Fault,
as
others
will
have
the
same
right
to
sue
you
for
injuries,
which
do
not
reach
the
No-Fault
thresholds,
even
if
they
did
not
reject. You
will
have
to
prove
the
other
party
was
at
fault
before
you
can
recover. Your
recovery
will
be
reduced
by
any
degree
of
fault
on
your
part. NF
1a
P&C
(12/17)
COMMONWEALTH
OF
KENTUCKY
Rejection
Form
Department
Of
Insurance
P.O.
Box
517
Frankfort,
Kentucky
40602-0517
Acceptance
of
No-Fault
Insurance
denies
each
individual
the
right
to
sue
a
negligent
motorist
unless
certain
requirements
are
met. You
and
any
member
of
your
household
can
retain
the
right
to
sue
by
completing
this
form
and
mailing
it
to
the
Kentucky
Department
of
Insurance. DO
NOT
COMPLETE
THIS
FORM
if
all
members
of
the
household
want
to
accept
benefit
of
the
No-Fault
Law
in
return
for
relinquishing
some
rights. Any
member
of
the
household
who
does
not
accept
the
No-Fault
restrictions
on
their
right
to
sue
a
negligent
motorist,
must
complete
this
form
and
will
be
deemed
to
have
read
and
understood
the
Advisory,
page
NF
1a. Each
member
of
the
household
has
a
choice. The
choice
is
designated
by
the
following
numbers,
which
must
be
placed
in
the
blank
next
to
each
name.
| 4,057 | 5,853 |
|
msmarco_v2.1_doc_01_1666177107#6_2441914372
|
http://insurance.ky.gov/PPC/Documents/nf1020718.pdf
|
COMMONWEALTH OF KENTUCKY Department Of Insurance P.O. Box 517 Frankfort, Kentucky 40602-0517 Kentucky No-Fault Rejection Form
COMMONWEALTH
OF
KENTUCKY
Department
Of
Insurance
Kentucky
No-Fault
Rejection
Form
ADVISORY
COMMONWEALTH
OF
KENTUCKY
Rejection
Form
Department
Of
Insurance
P.O.
Box
517
Frankfort,
Kentucky
40602-0517
HOUSEHOLD
ADDRESS
MEMBERS
OF
THE
HOUSEHOLD
COMMONWEALTH
OF
KENTUCKY
Rejection
Form
Department
Of
Insurance
CONTINUATION
OF
MEMBERS
OF
THE
HOUSEHOLD
NF
1c
P&C
(12/17)
|
You
and
any
member
of
your
household
can
retain
the
right
to
sue
by
completing
this
form
and
mailing
it
to
the
Kentucky
Department
of
Insurance. DO
NOT
COMPLETE
THIS
FORM
if
all
members
of
the
household
want
to
accept
benefit
of
the
No-Fault
Law
in
return
for
relinquishing
some
rights. Any
member
of
the
household
who
does
not
accept
the
No-Fault
restrictions
on
their
right
to
sue
a
negligent
motorist,
must
complete
this
form
and
will
be
deemed
to
have
read
and
understood
the
Advisory,
page
NF
1a. Each
member
of
the
household
has
a
choice. The
choice
is
designated
by
the
following
numbers,
which
must
be
placed
in
the
blank
next
to
each
name. OPTIONS—
Indicate
option
selection
number
in
the
blank
next
to
your
name. I
want
to
keep
my
right
to
sue
or
be
sued
so
I
do
not
consent
to
the
limitations
of
my
tort
rights
and
liabilities. I
consent
to
the
limitations
of
my
tort
rights
and
liabilities
but
other
members
of
the
household
do
not
want
to
consent
to
the
limitations
of
their
tort
rights
and
liabilities. As
to
my
ownership
and
operation
of
motorcycles,
I
want
to
keep
my
right
to
sue
or
be
sued
so
I
do
not
consent
to
the
limitations
of
my
tort
rights
and
liabilities. I
previously
refused
the
limitations
of
my
tort
rights
and
liabilities
and
I
want
to
cancel
that
rejection
and
accept
the
limitations
of
my
tort
rights
and
liabilities.
| 4,952 | 6,837 |
|
msmarco_v2.1_doc_01_1666177107#7_2441917600
|
http://insurance.ky.gov/PPC/Documents/nf1020718.pdf
|
COMMONWEALTH OF KENTUCKY Department Of Insurance P.O. Box 517 Frankfort, Kentucky 40602-0517 Kentucky No-Fault Rejection Form
COMMONWEALTH
OF
KENTUCKY
Department
Of
Insurance
Kentucky
No-Fault
Rejection
Form
ADVISORY
COMMONWEALTH
OF
KENTUCKY
Rejection
Form
Department
Of
Insurance
P.O.
Box
517
Frankfort,
Kentucky
40602-0517
HOUSEHOLD
ADDRESS
MEMBERS
OF
THE
HOUSEHOLD
COMMONWEALTH
OF
KENTUCKY
Rejection
Form
Department
Of
Insurance
CONTINUATION
OF
MEMBERS
OF
THE
HOUSEHOLD
NF
1c
P&C
(12/17)
|
OPTIONS—
Indicate
option
selection
number
in
the
blank
next
to
your
name. I
want
to
keep
my
right
to
sue
or
be
sued
so
I
do
not
consent
to
the
limitations
of
my
tort
rights
and
liabilities. I
consent
to
the
limitations
of
my
tort
rights
and
liabilities
but
other
members
of
the
household
do
not
want
to
consent
to
the
limitations
of
their
tort
rights
and
liabilities. As
to
my
ownership
and
operation
of
motorcycles,
I
want
to
keep
my
right
to
sue
or
be
sued
so
I
do
not
consent
to
the
limitations
of
my
tort
rights
and
liabilities. I
previously
refused
the
limitations
of
my
tort
rights
and
liabilities
and
I
want
to
cancel
that
rejection
and
accept
the
limitations
of
my
tort
rights
and
liabilities. HOUSEHOLD
ADDRESS
_____________________________________________________
_____________________________________________________
City___________________________State________Zip_______
MEMBERS
OF
THE
HOUSEHOLD
(use
page
NF
1c
P&C
(9-00)
if
necessary
for
additional
family
members)
Name
(Type/Print): __________________________________________________________________
Option
#_________
Last
First
Middle
Maiden
Birthdate:_____________________ City,
County
and
State
of
Birth:____________________________________________ Soc. Sec.
| 5,853 | 7,447 |
|
msmarco_v2.1_doc_01_1666177107#8_2441920384
|
http://insurance.ky.gov/PPC/Documents/nf1020718.pdf
|
COMMONWEALTH OF KENTUCKY Department Of Insurance P.O. Box 517 Frankfort, Kentucky 40602-0517 Kentucky No-Fault Rejection Form
COMMONWEALTH
OF
KENTUCKY
Department
Of
Insurance
Kentucky
No-Fault
Rejection
Form
ADVISORY
COMMONWEALTH
OF
KENTUCKY
Rejection
Form
Department
Of
Insurance
P.O.
Box
517
Frankfort,
Kentucky
40602-0517
HOUSEHOLD
ADDRESS
MEMBERS
OF
THE
HOUSEHOLD
COMMONWEALTH
OF
KENTUCKY
Rejection
Form
Department
Of
Insurance
CONTINUATION
OF
MEMBERS
OF
THE
HOUSEHOLD
NF
1c
P&C
(12/17)
|
HOUSEHOLD
ADDRESS
_____________________________________________________
_____________________________________________________
City___________________________State________Zip_______
MEMBERS
OF
THE
HOUSEHOLD
(use
page
NF
1c
P&C
(9-00)
if
necessary
for
additional
family
members)
Name
(Type/Print): __________________________________________________________________
Option
#_________
Last
First
Middle
Maiden
Birthdate:_____________________ City,
County
and
State
of
Birth:____________________________________________ Soc. Sec. No. ____________________
Signature:__________________________________________ Date:_________ If
the
person
named
in
this
section
is
minor
or
under
a
legal
disability,
the
full
name
and
signature
of
the
parent
or
guardian
is
required: ________________________________________
Name
(Type/Print):
| 6,837 | 7,810 |
|
msmarco_v2.1_doc_01_1666177107#9_2441922375
|
http://insurance.ky.gov/PPC/Documents/nf1020718.pdf
|
COMMONWEALTH OF KENTUCKY Department Of Insurance P.O. Box 517 Frankfort, Kentucky 40602-0517 Kentucky No-Fault Rejection Form
COMMONWEALTH
OF
KENTUCKY
Department
Of
Insurance
Kentucky
No-Fault
Rejection
Form
ADVISORY
COMMONWEALTH
OF
KENTUCKY
Rejection
Form
Department
Of
Insurance
P.O.
Box
517
Frankfort,
Kentucky
40602-0517
HOUSEHOLD
ADDRESS
MEMBERS
OF
THE
HOUSEHOLD
COMMONWEALTH
OF
KENTUCKY
Rejection
Form
Department
Of
Insurance
CONTINUATION
OF
MEMBERS
OF
THE
HOUSEHOLD
NF
1c
P&C
(12/17)
|
No. ____________________
Signature:__________________________________________ Date:_________ If
the
person
named
in
this
section
is
minor
or
under
a
legal
disability,
the
full
name
and
signature
of
the
parent
or
guardian
is
required: ________________________________________
Name
(Type/Print): __________________________________________________________________
Option
#_________
Last
First
Middle
Maiden
Birthdate:_____________________ City,
County
and
State
of
Birth:____________________________________________ Soc. Sec. No.
| 7,447 | 8,085 |
|
msmarco_v2.1_doc_01_1666177107#10_2441923992
|
http://insurance.ky.gov/PPC/Documents/nf1020718.pdf
|
COMMONWEALTH OF KENTUCKY Department Of Insurance P.O. Box 517 Frankfort, Kentucky 40602-0517 Kentucky No-Fault Rejection Form
COMMONWEALTH
OF
KENTUCKY
Department
Of
Insurance
Kentucky
No-Fault
Rejection
Form
ADVISORY
COMMONWEALTH
OF
KENTUCKY
Rejection
Form
Department
Of
Insurance
P.O.
Box
517
Frankfort,
Kentucky
40602-0517
HOUSEHOLD
ADDRESS
MEMBERS
OF
THE
HOUSEHOLD
COMMONWEALTH
OF
KENTUCKY
Rejection
Form
Department
Of
Insurance
CONTINUATION
OF
MEMBERS
OF
THE
HOUSEHOLD
NF
1c
P&C
(12/17)
|
__________________________________________________________________
Option
#_________
Last
First
Middle
Maiden
Birthdate:_____________________ City,
County
and
State
of
Birth:____________________________________________ Soc. Sec. No. ____________________
Signature:__________________________________________ Date:_________ If
the
person
named
in
this
section
is
minor
or
under
a
legal
disability,
the
full
name
and
signature
of
the
parent
or
guardian
is
required: ________________________________________
Name
(Type/Print): __________________________________________________________________
Option
#_________
Last
First
Middle
Maiden
Birthdate:_____________________
| 7,810 | 8,611 |
|
msmarco_v2.1_doc_01_1666177107#11_2441925789
|
http://insurance.ky.gov/PPC/Documents/nf1020718.pdf
|
COMMONWEALTH OF KENTUCKY Department Of Insurance P.O. Box 517 Frankfort, Kentucky 40602-0517 Kentucky No-Fault Rejection Form
COMMONWEALTH
OF
KENTUCKY
Department
Of
Insurance
Kentucky
No-Fault
Rejection
Form
ADVISORY
COMMONWEALTH
OF
KENTUCKY
Rejection
Form
Department
Of
Insurance
P.O.
Box
517
Frankfort,
Kentucky
40602-0517
HOUSEHOLD
ADDRESS
MEMBERS
OF
THE
HOUSEHOLD
COMMONWEALTH
OF
KENTUCKY
Rejection
Form
Department
Of
Insurance
CONTINUATION
OF
MEMBERS
OF
THE
HOUSEHOLD
NF
1c
P&C
(12/17)
|
____________________
Signature:__________________________________________ Date:_________ If
the
person
named
in
this
section
is
minor
or
under
a
legal
disability,
the
full
name
and
signature
of
the
parent
or
guardian
is
required: ________________________________________
Name
(Type/Print): __________________________________________________________________
Option
#_________
Last
First
Middle
Maiden
Birthdate:_____________________ City,
County
and
State
of
Birth:____________________________________________ Soc. Sec. No. ____________________
Signature:__________________________________________
| 8,085 | 8,797 |
|
msmarco_v2.1_doc_01_1666177107#12_2441927481
|
http://insurance.ky.gov/PPC/Documents/nf1020718.pdf
|
COMMONWEALTH OF KENTUCKY Department Of Insurance P.O. Box 517 Frankfort, Kentucky 40602-0517 Kentucky No-Fault Rejection Form
COMMONWEALTH
OF
KENTUCKY
Department
Of
Insurance
Kentucky
No-Fault
Rejection
Form
ADVISORY
COMMONWEALTH
OF
KENTUCKY
Rejection
Form
Department
Of
Insurance
P.O.
Box
517
Frankfort,
Kentucky
40602-0517
HOUSEHOLD
ADDRESS
MEMBERS
OF
THE
HOUSEHOLD
COMMONWEALTH
OF
KENTUCKY
Rejection
Form
Department
Of
Insurance
CONTINUATION
OF
MEMBERS
OF
THE
HOUSEHOLD
NF
1c
P&C
(12/17)
|
City,
County
and
State
of
Birth:____________________________________________ Soc. Sec. No. ____________________
Signature:__________________________________________ Date:_________ If
the
person
named
in
this
section
is
minor
or
under
a
legal
disability,
the
full
name
and
signature
of
the
parent
or
guardian
is
required: ________________________________________
Name
(Type/Print): __________________________________________________________________
Option
#_________
Last
First
Middle
Maiden
Birthdate:_____________________ City,
County
and
State
of
Birth:____________________________________________
| 8,611 | 9,332 |
|
msmarco_v2.1_doc_01_1666177107#13_2441929189
|
http://insurance.ky.gov/PPC/Documents/nf1020718.pdf
|
COMMONWEALTH OF KENTUCKY Department Of Insurance P.O. Box 517 Frankfort, Kentucky 40602-0517 Kentucky No-Fault Rejection Form
COMMONWEALTH
OF
KENTUCKY
Department
Of
Insurance
Kentucky
No-Fault
Rejection
Form
ADVISORY
COMMONWEALTH
OF
KENTUCKY
Rejection
Form
Department
Of
Insurance
P.O.
Box
517
Frankfort,
Kentucky
40602-0517
HOUSEHOLD
ADDRESS
MEMBERS
OF
THE
HOUSEHOLD
COMMONWEALTH
OF
KENTUCKY
Rejection
Form
Department
Of
Insurance
CONTINUATION
OF
MEMBERS
OF
THE
HOUSEHOLD
NF
1c
P&C
(12/17)
|
Date:_________ If
the
person
named
in
this
section
is
minor
or
under
a
legal
disability,
the
full
name
and
signature
of
the
parent
or
guardian
is
required: ________________________________________
Name
(Type/Print): __________________________________________________________________
Option
#_________
Last
First
Middle
Maiden
Birthdate:_____________________ City,
County
and
State
of
Birth:____________________________________________ Soc. Sec. No. ____________________
Signature:__________________________________________ Date:_________
| 8,797 | 9,446 |
|
msmarco_v2.1_doc_01_1666177107#14_2441930815
|
http://insurance.ky.gov/PPC/Documents/nf1020718.pdf
|
COMMONWEALTH OF KENTUCKY Department Of Insurance P.O. Box 517 Frankfort, Kentucky 40602-0517 Kentucky No-Fault Rejection Form
COMMONWEALTH
OF
KENTUCKY
Department
Of
Insurance
Kentucky
No-Fault
Rejection
Form
ADVISORY
COMMONWEALTH
OF
KENTUCKY
Rejection
Form
Department
Of
Insurance
P.O.
Box
517
Frankfort,
Kentucky
40602-0517
HOUSEHOLD
ADDRESS
MEMBERS
OF
THE
HOUSEHOLD
COMMONWEALTH
OF
KENTUCKY
Rejection
Form
Department
Of
Insurance
CONTINUATION
OF
MEMBERS
OF
THE
HOUSEHOLD
NF
1c
P&C
(12/17)
|
Soc. Sec. No. ____________________
Signature:__________________________________________ Date:_________ If
the
person
named
in
this
section
is
minor
or
under
a
legal
disability,
the
full
name
and
signature
of
the
parent
or
guardian
is
required: ________________________________________
Check
here
if
continued
on
additional
page______
Indicate
total
number
of
pages
_____
Note: MAILING
INSTRUCTIONS
Original
and
one
file
stamped
copy
to
be
mailed
to
Kentucky
Department
of
Insurance. 2. One
file
stamped
copy
for
y
| 9,332 | 10,000 |
|
msmarco_v2.1_doc_01_1666196728#0_2441932499
|
http://insurance.ky.gov/PPC/Documents/taxschedule040918.pdf
|
Alexandria
0123
41
Arlington
0239
16
Auburn
0125
Audubon
Park
0126
Barbourmeade
0242
Barbourville
0031
17
Beattyville
0128
Beaver
Dam
0033
E
Bell
County
0856
Bellemeade
0247
Bellewood
0248
09
Central
City
0041
Clark
County
0994
24
Cloverport
0147
Coal
Run
Village
1011
Cold
Spring
0148
Douglass
Hills
0047
Druid
Hills
0290
Dry
Ridge
0156
Earlington
0048
Edmonton
0158
A
Ekron
0292
Elizabethtown
0050
Elkhorn
City
0051
Elliott
County
0999
Eminence
0054
K
Flemingsburg
0056
P
Fort
Wright
0059
Fountain
Run
0301
Franklin
County
0886
37
Georgetown
0062
Glenview
Hills
0307
Glenview
Manor
0308
Goose
Creek
0310
Graymoor-Devondale
0312
Green
Spring
0313
Greensburg
0164
Greenville
0064
Hardinsburg
0168
Harrodsburg
0066
Hawesville
0974
Highland
Heights
0171
Hills
And
Dales
0448
Indian
Hills
0176
L-35
Kenton
County
1000
49
Knott
County
1028
15
Kuttawa
0180
La
Center
0181
Lakeside
Park
0182
Lawrenceburg
0075
D
Lexington-Fayette
0002
Lincolnshire
0336
Livermore
0188
Livingston
0337
R
Louisville-Jefferson
0001
Maryhill
Estates
0342
Meade
County
0931
Meadow
Vale
0194
Menifee
County
0932
Middlesboro
0023
Middletown
0085
32
Millersburg
0196
Mockingbird
Valley
1016
Monticello
0086
15
Morgantown
0198
Mortons
Gap
0199
Murray
Hill
0446
02
New
Haven
0354
Oak
Grove
0208
Owensboro
0008
Owingsville
0092
Owsley
County
0944
25
Paintsville
0093
G
Park
Hills
0094
Parkway
Village
0361
Pembroke
0362
06
Pewee
Valley
0211
Plantation
0212
Pleasureville
0367
Plum
Springs
0368
Providence
0099
Pulaski
County
0949
Richmond
0010
42
Robertson
County
1024
Rockcastle
County
0951
10
Salyersville
0105
Sandy
Hook
0218
A
Science
Hill
0387
Scottsville
0106
Shelbyville
0107
Shepherdsville
0986
South
Shore
0400
Southgate
0109
Spencer
County
1006
Spring
Valley
0445
B
Springfield
0110
St.
Regis
Park
0104
Stamping
Ground
0403
Strathmoor
Manor
0405
Strathmoor
Village
0406
28
Trenton
0409
Trigg
County
0960
Vanceburg
1004
Versailles
0115
20
Vine
Grove
0117
Washington
County
0964
Watterson
Park
0450
12
Whitesville
0426
Wildwood
0427
Williamsburg
0119
Williamstown
0233
Winchester
0029
Windy
Hills
0234
15
Woodburn
0433
Woodbury
0459
Woodland
Hills
0434
Woodlawn
0435
|
Alexandria
0123
Allen
0237
Anchorage
0124
B
Anderson
County
0852
41
Arlington
0239
Ashland
0003
16
Auburn
0125
Audubon
Park
0126
Augusta
0030
Bancroft
0240
Barbourmeade
0242
Barbourville
0031
Bardwell
0127
19
Barlow
0243
17
Beattyville
0128
Beaver
Dam
0033
10%
6%
5%
4%
8%
10%
6%
9%
5%
5%
5%
9%
9%
3%
or
7%
8%
6.9%
10%
6%
5%
4%
8%
10%
6%
9%
5%
5%
5%
9%
9%
3%
or
7%
8%
6.9%
10%
6%
5%
4%
8%
10%
6%
9%
5%
5%
5%
9%
9%
3%
or
7%
8%
6.9%
10%
6%
5%
4%
8%
10%
6%
9%
5%
5%
5%
9%
9%
3%
or
7%
8%
6.9%
None
6%
5%
4%
8%
10%
None
9%
None
5%
None
9%
9%
3%
or
7%
4%
None
None
6%
5%
4%
8%
10%
None
9%
5%
5%
5%
9%
9%
3%
or
7%
8%
None
asterisk
*
indicates
any
municipalities
that
have
adopted
a
premium
tax
or
amended
their
taxes,
payees
or
addresses
since
the
last
updated
edition. 10%
6%
5%
4%
8%
10%
6%
9%
5%
5%
5%
9%
9%
3%
or
7%
8%
6.9%
$5.00
$25.00
E
Bell
County
0856
Bellemeade
0247
Bellevue
0034
Bellewood
0248
Benton
0035
Berea
0036
Berry
0249
Blue
Ridge
Manor
0251
Bonnieville
1026
07
Bowling
Green
0004
Bradfordsville
0254
Brandenburg
0132
30
Breckinridge
County
0863
Briarwood
0256
Brodhead
0259
Broeck
Pointe
0455
7%
5%
10%
5%
7.5%
6%
7.25%
5%
8%
7%
3%
5%
5%
5%
6%
5%
7%
5%
10%
5%
7.5%
6%
7.25%
5%
8%
2%
3%
5%
5%
5%
6%
5%
7%
5%
10%
5%
7.5%
6%
7.25%
5%
8%
2%
3%
5%
5%
5%
6%
5%
7%
5%
10%
5%
7.5%
6%
7.25%
5%
8%
7%
3%
5%
5%
5%
6%
5%
None
None
10%
5%
7.5%
None
7.25%
5%
8%
2%
3%
5%
None
5%
6%
5%
7%
5%
10%
5%
$18.75
Flat
6%
7.25%
5%
8%
2%
3%
5%
5%
5%
6%
5%
asterisk
*
indicates
any
municipalities
that
have
adopted
a
premium
tax
or
amended
their
taxes,
payees
or
addresses
since
the
last
updated
edition. None
5%
10%
5%
7.5%
6%
7.25%
5%
8%
7%
3%
5%
5%
5%
6%
5%
$5.00
Bromley
0133
10%
10%
10%
10%
None
None
10%
Brooksville
0134
7%
7%
7%
7%
7%
7%
7%
Brownsboro
Farm
0260
5%
5%
5%
5%
None
5%
5%
Brownsboro
Village
1015
5%
5%
5%
5%
5%
5%
5%
Brownsville
0135
7%
7%
7%
7%
7%
7%
7%
Bullitt
County
0864
5%
5%
5%
5%
None
None
5%
Burgin
0136
10%
10%
10%
10%
10%
10%
10%
Burkesville
0137
10%
10%
10%
10%
10%
10%
10%
Burnside
0138
9%
9%
9%
9%
9%
9%
9%
Butler
0139
10%
10%
10%
10%
10%
10%
10%
Cadiz
0140
6%
6%
6%
6%
6%
6%
6%
Calhoun
0141
12%
12%
12%
12%
12%
12%
12%
California
0264
10%
10%
10%
10%
None
10%
10%
Calvert
City
0037
7%
7%
7%
7%
7%
7%
7%
Cambridge
0266
5%
5%
5%
5%
5%
5%
5%
Campbell
County
0868
10%
10%
10%
10%
None
None
10%
Campbellsburg
0142
12%
12%
12%
12%
12%
12%
12%
Campbellsville
0011
10%
10%
10%
10%
10%
2%
10%
$5.00
$5.00
asterisk
*
indicates
any
municipalities
that
have
adopted
a
premium
tax
or
amended
their
taxes,
payees
or
addresses
since
the
last
updated
edition. Carlisle
0038
Carlisle
County
1035
Carrollton
0039
Carter
County
0870
Casey
County
0872
Catlettsburg
0040
Cave
City
0143
Centertown
0272
09
Central
City
0041
Clark
County
0994
Clarkson
0276
Clay
0144
Clay
City
0145
24
Cloverport
0147
Coal
Run
Village
1011
Cold
Spring
0148
7.5%
7.5%
4%
4%
8%
8%
9%
9%
6%
6%
14%
14%
8%
8%
6%
6%
8%
8%
4%
4%
5%
5%
8%
8%
5%
5%
9%
9%
4%
4%
10%
10%
7.5%
7.5%
4%
4%
8%
8%
9%
9%
6%
6%
14%
14%
8%
8%
6%
6%
8%
8%
4%
4%
5%
5%
8%
8%
5%
5%
9%
9%
4%
4%
10%
10%
7.5%
4%
8%
None
None
14%
8%
None
8%
None
5%
None
None
9%
None
None
7.5%
4%
8%
None
None
14%
8%
None
8%
None
5%
None
None
None
4%
None
asterisk
*
indicates
any
municipalities
that
have
adopted
a
premium
tax
or
amended
their
taxes,
payees
or
addresses
since
the
last
updated
edition. 7.5%
4%
8%
9%
6%
14%
None
6%
8%
4%
5%
8%
None
9%
4%
10%
$5.00
$5.00
$5.00
$5.00
9%
9%
10%
10%
12%
12%
12%
12%
9%
9%
5.8%
5.8%
5%
5%
10%
10%
10%
10%
9%
9%
2%
2%
10%
10%
5%
5%
8%
8%
6%
6%
8%
8%
9%
9%
10%
10%
12%
12%
12%
12%
9%
9%
5.8%
5.8%
5%
5%
10%
10%
10%
10%
9%
9%
2%
2%
10%
10%
5%
5%
8%
8%
6%
6%
8%
8%
9%
10%
12%
12%
9%
5.8%
5%
None
10%
9%
None
10%
5%
8%
6%
None
9%
9%
10%
10%
12%
12%
12%
12%
9%
9%
5.8%
5.8%
10%
5%
None
10%
10%
10%
9%
9%
None
2%
10%
10%
5%
5%
8%
8%
6%
6%
8%
8%
asterisk
*
indicates
any
municipalities
that
have
adopted
a
premium
tax
or
amended
their
taxes,
payees
or
addresses
since
the
last
updated
edition. Dixon
0288
Douglass
Hills
0047
Dover
0289
Druid
Hills
0290
Dry
Ridge
0156
Earlington
0048
Eddyville
0157
Edmonton
0158
A
Ekron
0292
Elizabethtown
0050
Elkhorn
City
0051
Elkton
0052
Elliott
County
0999
Elsmere
0053
Eminence
0054
11%
11%
5%
5%
5%
5%
7%
7%
5%
5%
8.5%
8.5%
10%
10%
10%
10%
7%
7%
3%
3%
8%
8%
3%
3%
8%
8%
6%
6%
10%
10%
10%
10%
11%
11%
5%
5%
5%
5%
7%
7%
5%
5%
8.5%
8.5%
10%
10%
5%
10%
7%
7%
3%
3%
8%
8%
3%
3%
8%
8%
6%
6%
10%
10%
10%
10%
None
5%
None
7%
5%
8.5%
10%
None
7%
3%
None
None
None
None
10%
10%
None
5%
5%
7%
5%
8.5%
10%
None
7%
10%
None
3%
None
None
10%
10%
asterisk
*
indicates
any
municipalities
that
have
adopted
a
premium
tax
or
amended
their
taxes,
payees
or
addresses
since
the
last
updated
edition. 11%
5%
5%
7%
5%
8.5%
10%
10%
7%
3%
8%
3%
8%
6%
10%
10%
$5.00
$10.00
Ewing
1002
Falmouth
0055
Ferguson
1034
Fincastle
0297
Flatwoods
0015
36
Fleming
County
1005
Fleming-Neon
0161
K
Flemingsburg
0056
Florence
0016
Floyd
County
1029
Fordsville
0298
Forest
Hills
0299
H
Fort
Mitchell
0057
Fort
Thomas
0058
P
Fort
Wright
0059
Fountain
Run
0301
6%
10%
6.32%
5%
8%
6%
5%
6%
5%
6%
8%
5%
7%
10%
8%
5%
6%
10%
6.32%
5%
8%
6%
5%
6%
5%
6%
8%
5%
7%
10%
8%
5%
6%
10%
6.32%
5%
8%
6%
5%
6%
5%
6%
8%
5%
7%
10%
8%
5%
6%
10%
6.32%
5%
8%
6%
5%
6%
5%
6%
8%
5%
7%
10%
8%
5%
None
10%
6.32%
5%
None
None
5%
6%
5%
6%
8%
5%
7%
10%
None
5%
6%
10%
8%
5%
$25.00
Flat
6%
5%
6%
5%
6%
8%
5%
7%
10%
8%
5%
asterisk
*
indicates
any
municipalities
that
have
adopted
a
premium
tax
or
amended
their
taxes,
payees
or
addresses
since
the
last
updated
edition. 6%
10%
6.32%
5%
8%
6%
5%
6%
5%
6%
8%
5%
7%
10%
8%
5%
$5.00
$10.00
$10.00
Franklin
0060
Franklin
County
0886
Fredonia
0162
Frenchburg
0302
04
Fulton
County
0887
Gamaliel
0303
37
Georgetown
0062
Ghent
1003
Glasgow
0017
Glencoe
0309
Glenview
0464
Glenview
Hills
0307
Glenview
Manor
0308
Goose
Creek
0310
Goshen
0451
Graymoor-Devondale
0312
9%
9%
6%
6%
6%
6%
5%
5%
3%
3%
7%
7%
5%
5%
5%
5%
5%
5%
6%
6%
5%
5%
5%
5%
5%
5%
10%
10%
10%
10%
5%
5%
9%
9%
6%
6%
6%
6%
5%
5%
3%
3%
7%
7%
5%
5%
5%
5%
5%
5%
6%
6%
5%
5%
5%
5%
5%
5%
10%
10%
10%
10%
5%
5%
9%
None
None
5%
None
7%
5%
5%
2%
6%
5%
None
None
None
None
None
9%
6%
None
5%
3%
7%
5%
5%
2%
6%
5%
5%
None
10%
10%
5%
asterisk
*
indicates
any
municipalities
that
have
adopted
a
premium
tax
or
amended
their
taxes,
payees
or
addresses
since
the
last
updated
edition. 9%
6%
6%
5%
3%
$10.00
7%
5%
5%
5%
6%
5%
5%
None
10%
10%
5%
Green
Spring
0313
Greensburg
0164
Greenup
0165
Greenville
0064
Guthrie
0166
Hanson
0314
Hardinsburg
0168
Harlan
0065
Harrodsburg
0066
Hartford
0169
Hawesville
0974
Hazard
0018
Hebron
Estates
0981
Henderson
0019
Henderson
County
0900
Heritage
Creek
0996
5.75%
10%
8%
11%
8%
10%
6%
8%
10%
10%
8%
5%
5%
10%
9.75%
5%
5.75%
10%
8%
11%
8%
10%
6%
8%
10%
10%
8%
5%
5%
10%
9.75%
5%
5.75%
10%
8%
11%
8%
10%
6%
8%
10%
10%
8%
5%
5%
10%
9.75%
5%
5.75%
10%
8%
11%
8%
10%
6%
8%
10%
10%
8%
5%
5%
10%
9.75%
5%
None
None
None
11%
None
None
6%
None
10%
10%
8%
5%
None
10%
9.75%
None
5.75%
10%
None
11%
5%
10%
None
8%
10%
10%
None
5%
None
10%
9.75%
5%
asterisk
*
indicates
any
municipalities
that
have
adopted
a
premium
tax
or
amended
their
taxes,
payees
or
addresses
since
the
last
updated
edition. 5.75%
10%
None
11%
8%
10%
6%
8%
10%
10%
8%
5%
5%
10%
9.75%
5%
$5.00
$5.00
Highland
Heights
0171
Hills
And
Dales
0448
Hillview
1020
Hindman
0172
47
Hodgenville
0069
Hollow
Creek
0318
Hopkins
County
0903
Hopkinsville
0020
Horse
Cave
0173
Houston
Acres
0321
Hunters
Hollow
0969
Hurstbo
| 0 | 10,000 |
|
msmarco_v2.1_doc_01_1666231991#0_2441949366
|
http://insurance.ky.gov/ppc/newstatic_info.aspx?static_id=24&divid=15
|
DEPARTMENT OF INSURANCE
|
No Fault Rejection/Verification (PIP)
No Fault Rejection/Verification (PIP)
|
DEPARTMENT OF INSURANCE
No Fault Rejection/Verification (PIP)
Enacted in 1975, Kentucky's Motor Vehicle Reparations Act, KRS 304.39 (sometimes referred to as the No-Fault Law) has two components: personal injury protection (PIP) coverage and limitations on an individual’s right to sue and be sued (tort rights). Personal Injury Protection (PIP) Coverage
Kentucky requires basic PIP coverage on all motor vehicles except motorcycles. Basic PIP is to be paid by the insurer of the vehicle in which the injured person is riding at the time of an accident, or the vehicle which strikes a pedestrian, regardless of who was at fault in the accident. Basic PIP provides up to $10,000 per person per accident for medical expenses, lost wages and similar “out of pocket” costs due to an injury. Higher benefits and deductibles are optional. Limitations on an individual’s rights to sue and be sued (tort rights). All people who register, operate, maintain or use a motor vehicle in Kentucky are deemed to have accepted limitations on their rights to sue and be sued (tort rights). This means injured people cannot recover medical expenses, wage loss, other expenses, or pain and suffering from the at-fault party unless their injuries exceed certain thresholds. The thresholds are $1,000 in medical expenses, a broken bone, permanent disfigurement, permanent injury, or death KRS 304.39-060 .
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DEPARTMENT OF INSURANCE
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No Fault Rejection/Verification (PIP)
No Fault Rejection/Verification (PIP)
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Higher benefits and deductibles are optional. Limitations on an individual’s rights to sue and be sued (tort rights). All people who register, operate, maintain or use a motor vehicle in Kentucky are deemed to have accepted limitations on their rights to sue and be sued (tort rights). This means injured people cannot recover medical expenses, wage loss, other expenses, or pain and suffering from the at-fault party unless their injuries exceed certain thresholds. The thresholds are $1,000 in medical expenses, a broken bone, permanent disfigurement, permanent injury, or death KRS 304.39-060 . Rejection of the limitation on one’s tort rights. Each individual may reject the limitations on his/her tort rights. The rejection must be in writing on a special form and must be filed with the Department of Insurance before it is effective. The rejection will remain in effect until the department is notified in writing of any change KRS 304.39-060. If all members of a household reject the limitations on their rights to sue and be sued, guest PIP coverage must be included on their insurance policy to provide basic PIP benefits to guest passengers and pedestrians.
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http://insurance.ky.gov/ppc/newstatic_info.aspx?static_id=24&divid=15
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DEPARTMENT OF INSURANCE
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No Fault Rejection/Verification (PIP)
No Fault Rejection/Verification (PIP)
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Rejection of the limitation on one’s tort rights. Each individual may reject the limitations on his/her tort rights. The rejection must be in writing on a special form and must be filed with the Department of Insurance before it is effective. The rejection will remain in effect until the department is notified in writing of any change KRS 304.39-060. If all members of a household reject the limitations on their rights to sue and be sued, guest PIP coverage must be included on their insurance policy to provide basic PIP benefits to guest passengers and pedestrians. Liability premiums may be higher due to no-fault rejection, since others will have the same right to sue the rejector for injuries which do not reach the thresholds KRS 304.39-060 (8). If a no-fault rejection form is on file, that individual is not entitled to receive basic PIP benefits. Individuals who have rejected can “buy-back” the basic PIP coverage KRS 304.39-140 (5). </span>
Motorcycle ALERT! Basic PIP coverage is optional for motorcycles.
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http://insurance.ky.gov/ppc/newstatic_info.aspx?static_id=24&divid=15
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DEPARTMENT OF INSURANCE
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No Fault Rejection/Verification (PIP)
No Fault Rejection/Verification (PIP)
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Liability premiums may be higher due to no-fault rejection, since others will have the same right to sue the rejector for injuries which do not reach the thresholds KRS 304.39-060 (8). If a no-fault rejection form is on file, that individual is not entitled to receive basic PIP benefits. Individuals who have rejected can “buy-back” the basic PIP coverage KRS 304.39-140 (5). </span>
Motorcycle ALERT! Basic PIP coverage is optional for motorcycles. Unless basic PIP coverage is purchased for the motorcycle, neither the operator nor the passenger of the motorcycle is entitled to collect basic PIP benefits from any source KRS 304.39-040. If a motorcycle owner elects not to purchase basic PIP coverage, he/she is still considered to have accepted the limitations on his rights to sue and be sued for damages unless a no-fault rejection form is filed. If a no-fault rejection form is not filed, he/she will be unable to recover the first $10,000 of a motorcycle injury claim from the at-fault party. Verification of No-Fault Rejection
The Department of Insurance can respond to written requests for verification of an individual's no-fault rejection status. Such requests should be submitted on the No Fault Rejection Verification (NFV-1) P&C 9/04 form and accompanied by a $5 fee.
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http://insurance.ky.gov/ppc/newstatic_info.aspx?static_id=24&divid=15
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DEPARTMENT OF INSURANCE
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No Fault Rejection/Verification (PIP)
No Fault Rejection/Verification (PIP)
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Unless basic PIP coverage is purchased for the motorcycle, neither the operator nor the passenger of the motorcycle is entitled to collect basic PIP benefits from any source KRS 304.39-040. If a motorcycle owner elects not to purchase basic PIP coverage, he/she is still considered to have accepted the limitations on his rights to sue and be sued for damages unless a no-fault rejection form is filed. If a no-fault rejection form is not filed, he/she will be unable to recover the first $10,000 of a motorcycle injury claim from the at-fault party. Verification of No-Fault Rejection
The Department of Insurance can respond to written requests for verification of an individual's no-fault rejection status. Such requests should be submitted on the No Fault Rejection Verification (NFV-1) P&C 9/04 form and accompanied by a $5 fee. Kentucky Assigned Claims Plan
An injured person would file a claim for basic PIP benefits with the insurer for the vehicle they were occupying at the time of the accident, or the vehicle they were struck by if a pedestrian. If there is no insurance on that vehicle, the injured person can recover basic PIP from his/her policy or a policy issued to a member of his/her household. If there is no other policy available, a claim for basic PIP should be made to the Kentucky Assigned Claims Plan. A vehicle owner who does not have insurance is not entitled to collect basic PIP benefits from any source KRS 304.39-160 and 304.39-170. Kentucky Insurance Arbitration Association
All insurers, self-insureds or obligated governments providing basic or added reparation benefits are members of and can utilize the Kentucky Insurance Arbitration Association to resolve subrogation disputes KRS 304.39-290.
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Do i have to release personal phone records to insurance provider? | Lawyers.com
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Do i have to release personal phone records to insurance provider?
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Do i have to release personal phone records to insurance provider? Asked on Mar 15th, 2013 on Insurance - California
My vehicle was stolen. I filed claim and completed paper work. Now the carrier wants my phone records. Do I have to release that information? Report Abuse
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Answered on Mar 18th, 2013 at 3:28 PM
I am sorry to hear about your vehicle being stolen. It is often common for insurance companies to request phone records.
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Do i have to release personal phone records to insurance provider?
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Answered on Mar 18th, 2013 at 3:28 PM
I am sorry to hear about your vehicle being stolen. It is often common for insurance companies to request phone records. They are likely trying to determine if any fraud was involved. Of course you don't have to give them the records, however, they may not proceed any further with the claim without the records. However, you should also note that some states and/or phone carrier will not release this information without a court order or subpoena. So you should call your carrier and see how you can obtain the records and how much it would cost. If it will cost a significant amount of money, you can request that the insurance company pay for them or reimburse you.
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Do i have to release personal phone records to insurance provider?
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They are likely trying to determine if any fraud was involved. Of course you don't have to give them the records, however, they may not proceed any further with the claim without the records. However, you should also note that some states and/or phone carrier will not release this information without a court order or subpoena. So you should call your carrier and see how you can obtain the records and how much it would cost. If it will cost a significant amount of money, you can request that the insurance company pay for them or reimburse you. Also if they are requesting the records for a long period of time, you can maybe ask the insurance company to cut back on the period of time they are requesting the records for. Hopefully this will cut down on some of the time, effort and cost related to this. Like I said, they are not necessarily required but it seems like they are still trying to decide whether or not your claim is payable and they may be considering the issue of fraud. Thus, if there is nothing to hide and it isn't too expensive, I'd go ahead and get them the records they are requesting so you can go ahead and have the claim moved along. Best of luck!
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Also if they are requesting the records for a long period of time, you can maybe ask the insurance company to cut back on the period of time they are requesting the records for. Hopefully this will cut down on some of the time, effort and cost related to this. Like I said, they are not necessarily required but it seems like they are still trying to decide whether or not your claim is payable and they may be considering the issue of fraud. Thus, if there is nothing to hide and it isn't too expensive, I'd go ahead and get them the records they are requesting so you can go ahead and have the claim moved along. Best of luck! NOTE: This response is general in nature and should not be considered legal advice. No attorney-client relationship exists or is formed by this response. Report Abuse
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http://insurance.lawyers.com/auto-insurance/auto-accident-determining-value-and-diminished-value.html
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Total Loss vs. Diminished Value in Car Accident Claims | Lawyers.com
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Car Accidents: Total Loss and Diminished Value Claims
Car Accidents: Total Loss and Diminished Value Claims
Types of claims you can make after being involved in an auto accident.
Total Loss Claims
Financed Vehicles
Diminished Value Claims
Questions an Attorney
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Total Loss vs. Diminished Value in Car Accident Claims | Lawyers.com
Personal Injury
Car Insurance And Car Accident Claims
Car Accidents: Total Loss and Diminished Value Claims
Types of claims you can make after being involved in an auto accident. By Peter Dahl, Attorney
Updated: Nov 1st, 2018
Following an accident, your insurance company generally will assess whether your vehicle can be repaired or is a “total loss.” A total loss occurs when the repairs would: cost more than the car’s value, or
not restore the car to a condition where it could be driven safely. On a total loss, your insurance company typically pays the amount the car was worth (called the “actual cash value”) before the accident, minus the deductible. If, on the other hand, the damage isn’t bad enough to total the car, your insurer usually pays only for the repairs. When a car is repaired, the owner sometimes can make a claim against the at-fault driver (or the at-fault driver’s insurance company) for the diminished value of the repaired vehicle. This article gives an overview of total loss and diminished value claims.
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Total Loss vs. Diminished Value in Car Accident Claims | Lawyers.com
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Car Accidents: Total Loss and Diminished Value Claims
Car Accidents: Total Loss and Diminished Value Claims
Types of claims you can make after being involved in an auto accident.
Total Loss Claims
Financed Vehicles
Diminished Value Claims
Questions an Attorney
|
cost more than the car’s value, or
not restore the car to a condition where it could be driven safely. On a total loss, your insurance company typically pays the amount the car was worth (called the “actual cash value”) before the accident, minus the deductible. If, on the other hand, the damage isn’t bad enough to total the car, your insurer usually pays only for the repairs. When a car is repaired, the owner sometimes can make a claim against the at-fault driver (or the at-fault driver’s insurance company) for the diminished value of the repaired vehicle. This article gives an overview of total loss and diminished value claims. Total Loss Claims
Total loss claims require your insurance company to determine the pre-accident actual cash value of your car. Most insurance companies calculate this value by taking the cost of replacing your vehicle minus any pre-accident depreciation. Replacement cost is normally based on the sale prices of vehicles similar to yours that are being sold in your area. Insurance companies estimate depreciation using factors like mileage and damage from prior accidents. After determining actual cash value, the insurance company subtracts your deductible and pays you the remainder.
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Total Loss vs. Diminished Value in Car Accident Claims | Lawyers.com
|
Car Accidents: Total Loss and Diminished Value Claims
Car Accidents: Total Loss and Diminished Value Claims
Types of claims you can make after being involved in an auto accident.
Total Loss Claims
Financed Vehicles
Diminished Value Claims
Questions an Attorney
|
Total Loss Claims
Total loss claims require your insurance company to determine the pre-accident actual cash value of your car. Most insurance companies calculate this value by taking the cost of replacing your vehicle minus any pre-accident depreciation. Replacement cost is normally based on the sale prices of vehicles similar to yours that are being sold in your area. Insurance companies estimate depreciation using factors like mileage and damage from prior accidents. After determining actual cash value, the insurance company subtracts your deductible and pays you the remainder. Your insurance company then takes ownership of the car and obtains a salvage title. Financed Vehicles
When a driver totals a financed vehicle and still owes on the loan, the insurer will first pay the finance company for the loan balance. The insurance company then pays any remainder—the amount by which the actual cash value exceeds the loan balance—to the driver. But if the actual cash value is less than what the driver owes on the vehicle, the driver typically will have to pay the difference. In other words, even if the vehicle is a total loss, the driver is still responsible for the remainder of the loan if the amount paid by the insurer isn’t enough to satisfy the debt.
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http://insurance.lawyers.com/auto-insurance/auto-accident-determining-value-and-diminished-value.html
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Total Loss vs. Diminished Value in Car Accident Claims | Lawyers.com
|
Car Accidents: Total Loss and Diminished Value Claims
Car Accidents: Total Loss and Diminished Value Claims
Types of claims you can make after being involved in an auto accident.
Total Loss Claims
Financed Vehicles
Diminished Value Claims
Questions an Attorney
|
Your insurance company then takes ownership of the car and obtains a salvage title. Financed Vehicles
When a driver totals a financed vehicle and still owes on the loan, the insurer will first pay the finance company for the loan balance. The insurance company then pays any remainder—the amount by which the actual cash value exceeds the loan balance—to the driver. But if the actual cash value is less than what the driver owes on the vehicle, the driver typically will have to pay the difference. In other words, even if the vehicle is a total loss, the driver is still responsible for the remainder of the loan if the amount paid by the insurer isn’t enough to satisfy the debt. However, most insurance companies offer a “gap” coverage option. For drivers with this kind of coverage, the insurer usually pays the difference between the cash value of the car and the amount the driver still owes to the financer. Diminished Value Claims
Diminished value claims come into play when: the driver of another car was at fault for the accident, and
your insurance company decides to repair rather than total your damaged vehicle. A repaired vehicle—though it may look and drive fine—is worth less than it otherwise would be simply because of its accident history.
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Total Loss vs. Diminished Value in Car Accident Claims | Lawyers.com
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Car Accidents: Total Loss and Diminished Value Claims
Car Accidents: Total Loss and Diminished Value Claims
Types of claims you can make after being involved in an auto accident.
Total Loss Claims
Financed Vehicles
Diminished Value Claims
Questions an Attorney
|
However, most insurance companies offer a “gap” coverage option. For drivers with this kind of coverage, the insurer usually pays the difference between the cash value of the car and the amount the driver still owes to the financer. Diminished Value Claims
Diminished value claims come into play when: the driver of another car was at fault for the accident, and
your insurance company decides to repair rather than total your damaged vehicle. A repaired vehicle—though it may look and drive fine—is worth less than it otherwise would be simply because of its accident history. The purpose of a diminished value claim is to recover this lost value. A repaired vehicle—though it may look and drive fine—is worth less than it otherwise would be simply because of its accident history. The purpose of a diminished value claim is to recover this lost value. Typically, drivers don’t bring diminished value claims against their own insurer—mostly because insurance policies generally don’t cover these types of claims. A driver would, instead, bring a lost value claim against the at-fault driver or the at-fault driver’s insurance company.
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Total Loss vs. Diminished Value in Car Accident Claims | Lawyers.com
|
Car Accidents: Total Loss and Diminished Value Claims
Car Accidents: Total Loss and Diminished Value Claims
Types of claims you can make after being involved in an auto accident.
Total Loss Claims
Financed Vehicles
Diminished Value Claims
Questions an Attorney
|
The purpose of a diminished value claim is to recover this lost value. A repaired vehicle—though it may look and drive fine—is worth less than it otherwise would be simply because of its accident history. The purpose of a diminished value claim is to recover this lost value. Typically, drivers don’t bring diminished value claims against their own insurer—mostly because insurance policies generally don’t cover these types of claims. A driver would, instead, bring a lost value claim against the at-fault driver or the at-fault driver’s insurance company. Proving a diminished value claim can be difficult. Would-be buyers are certainly more wary of cars that have been in accidents. But quantifying how much less a buyer would be willing to pay for such a vehicle is tricky. And many states also have special rules for diminished value claims. For instance, some states require drivers to sell the vehicle (sometimes called “realizing” the loss) before they’re allowed to make a claim for diminished value.
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Total Loss vs. Diminished Value in Car Accident Claims | Lawyers.com
|
Car Accidents: Total Loss and Diminished Value Claims
Car Accidents: Total Loss and Diminished Value Claims
Types of claims you can make after being involved in an auto accident.
Total Loss Claims
Financed Vehicles
Diminished Value Claims
Questions an Attorney
|
Proving a diminished value claim can be difficult. Would-be buyers are certainly more wary of cars that have been in accidents. But quantifying how much less a buyer would be willing to pay for such a vehicle is tricky. And many states also have special rules for diminished value claims. For instance, some states require drivers to sell the vehicle (sometimes called “realizing” the loss) before they’re allowed to make a claim for diminished value. In other states, the driver must hire an expert appraiser who can testify about the amount of lost value. Because of the intricacies and complications of this area of law, if you’re thinking of making a diminished value claim, it’s a good idea to consult with a knowledgeable attorney first. Questions an Attorney
What should I do if I disagree with my insurance company’s determination of the actual cash value of my car? Is it worth bringing a diminished value claim against the at-fault driver? If my insurance company decides my car isn’t damaged badly enough to be totaled, can I get a second opinion?
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Vehicle Damage Claims After an Accident | Lawyers.com
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Auto Repairs and Insurance Claims After an Accident
Auto Repairs and Insurance Claims After an Accident
The Police Report and Witness Statements
Call Your Insurance Company From the Scene
Whose Insurance Will Cover Your Vehicle Damage?
Determining the Value of Your Vehicle Damage Claim
Disputing the Insurance Estimate
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Vehicle Damage Claims After an Accident | Lawyers.com
Personal Injury
Car Insurance And Car Accident Claims
Auto Repairs and Insurance Claims After an Accident
If your vehicle is damaged in an accident, chances are that either your insurance company or another driver's insurer will be responsible for paying at least some of the repair cost. By David Goguen, J.D., University of San Francisco School of Law
Updated: Nov 1st, 2018
When everyone involved in a car accident walks away without a scratch, it's natural to feel relief, but there's usually still work to do. Even when losses are limited to vehicle damage, after a car accident it's best to proceed cautiously to make sure you're not unfairly blamed for causing the crash, and that you make the best choices when it comes to getting your car fixed and back on the road. The Police Report and Witness Statements
In some cities and counties, law enforcement might not come to the scene of a car accident unless there are injuries. But if local police or other law enforcement agents do come to the site, they will talk to everyone involved, make observations about the location of the crash (including the position of the vehicles and any debris), and complete a police report. The insurance company will likely rely heavily on this report when making key decisions regarding your vehicle damage claim. Learn more about how police reports are used by insurance companies. After the accident, you should gather information yourself, especially if no law enforcement officer comes to the scene and generates a report. Besides exchanging contact details and insurance information with other drivers and passengers, take as many photos at the scene as you can, making sure to preserve visual evidence of anything that might be relevant.
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Vehicle Damage Claims After an Accident | Lawyers.com
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Auto Repairs and Insurance Claims After an Accident
Auto Repairs and Insurance Claims After an Accident
The Police Report and Witness Statements
Call Your Insurance Company From the Scene
Whose Insurance Will Cover Your Vehicle Damage?
Determining the Value of Your Vehicle Damage Claim
Disputing the Insurance Estimate
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But if local police or other law enforcement agents do come to the site, they will talk to everyone involved, make observations about the location of the crash (including the position of the vehicles and any debris), and complete a police report. The insurance company will likely rely heavily on this report when making key decisions regarding your vehicle damage claim. Learn more about how police reports are used by insurance companies. After the accident, you should gather information yourself, especially if no law enforcement officer comes to the scene and generates a report. Besides exchanging contact details and insurance information with other drivers and passengers, take as many photos at the scene as you can, making sure to preserve visual evidence of anything that might be relevant. It's also crucial to get the names and contact information of anyone who might have observed the accident. That means other drivers who weren't involved in the accident but saw what happened, or pedestrians who were walking in the area, or even local business owners or anyone else who might have helpful information. Call Your Insurance Company From the Scene
Especially if your vehicle is not drivable, it's probably a good idea to call your car insurance carrier, report the accident, and talk with an agent about how to proceed in terms of getting the vehicle towed from the scene and taken to a repair shop. If you have a certain shop in mind, tell the insurance agent, otherwise there's a good chance the insurance company will recommend a local garage and arrange to have your car towed there. In negotiating with the other driver's insurer, your own carrier might be able to get your collision coverage deductible back as part of your settlement if the other driver is deemed to be at fault.
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http://insurance.lawyers.com/auto-insurance/auto-repairs-and-insurance-claims-after-an-accident.html
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Vehicle Damage Claims After an Accident | Lawyers.com
|
Auto Repairs and Insurance Claims After an Accident
Auto Repairs and Insurance Claims After an Accident
The Police Report and Witness Statements
Call Your Insurance Company From the Scene
Whose Insurance Will Cover Your Vehicle Damage?
Determining the Value of Your Vehicle Damage Claim
Disputing the Insurance Estimate
|
It's also crucial to get the names and contact information of anyone who might have observed the accident. That means other drivers who weren't involved in the accident but saw what happened, or pedestrians who were walking in the area, or even local business owners or anyone else who might have helpful information. Call Your Insurance Company From the Scene
Especially if your vehicle is not drivable, it's probably a good idea to call your car insurance carrier, report the accident, and talk with an agent about how to proceed in terms of getting the vehicle towed from the scene and taken to a repair shop. If you have a certain shop in mind, tell the insurance agent, otherwise there's a good chance the insurance company will recommend a local garage and arrange to have your car towed there. In negotiating with the other driver's insurer, your own carrier might be able to get your collision coverage deductible back as part of your settlement if the other driver is deemed to be at fault. Whose Insurance Will Cover Your Vehicle Damage? The answer to this key question depends in large part on who was at fault for the accident -- you or another driver -- but there's also an element of choice involved, if you have the right car insurance coverage in place. The short answer is that the cost to repair or replace your vehicle will be covered by either: your own collision coverage, or
the other driver's property damage liability coverage. ...up to the policy limits, of course.
| 1,790 | 3,281 |
msmarco_v2.1_doc_01_1666247330#3_2441987331
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http://insurance.lawyers.com/auto-insurance/auto-repairs-and-insurance-claims-after-an-accident.html
|
Vehicle Damage Claims After an Accident | Lawyers.com
|
Auto Repairs and Insurance Claims After an Accident
Auto Repairs and Insurance Claims After an Accident
The Police Report and Witness Statements
Call Your Insurance Company From the Scene
Whose Insurance Will Cover Your Vehicle Damage?
Determining the Value of Your Vehicle Damage Claim
Disputing the Insurance Estimate
|
Whose Insurance Will Cover Your Vehicle Damage? The answer to this key question depends in large part on who was at fault for the accident -- you or another driver -- but there's also an element of choice involved, if you have the right car insurance coverage in place. The short answer is that the cost to repair or replace your vehicle will be covered by either: your own collision coverage, or
the other driver's property damage liability coverage. ...up to the policy limits, of course. But after any car accident in which your vehicle is damaged, one option might be making a claim with your own collision coverage -- assuming you have it, of course -- and then letting the insurance companies sort out issues of fault and financial responsibility. One caveat with this option is that you'll need to pay any deductible tied to your collision coverage before your own insurer will pay to have your car repaired. But in negotiating with the other driver's insurer, your own carrier might be able to get your collision coverage deductible back as part of your settlement if the other driver is deemed to be at fault. A note on no-fault car insurance: If you live in a no-fault state, keep in mind that your no-fault (sometimes called " personal injury protection ") coverage won't typically apply to a vehicle damage claim (Michigan is one notable exception).
| 2,790 | 4,152 |
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http://insurance.lawyers.com/auto-insurance/auto-repairs-and-insurance-claims-after-an-accident.html
|
Vehicle Damage Claims After an Accident | Lawyers.com
|
Auto Repairs and Insurance Claims After an Accident
Auto Repairs and Insurance Claims After an Accident
The Police Report and Witness Statements
Call Your Insurance Company From the Scene
Whose Insurance Will Cover Your Vehicle Damage?
Determining the Value of Your Vehicle Damage Claim
Disputing the Insurance Estimate
|
But after any car accident in which your vehicle is damaged, one option might be making a claim with your own collision coverage -- assuming you have it, of course -- and then letting the insurance companies sort out issues of fault and financial responsibility. One caveat with this option is that you'll need to pay any deductible tied to your collision coverage before your own insurer will pay to have your car repaired. But in negotiating with the other driver's insurer, your own carrier might be able to get your collision coverage deductible back as part of your settlement if the other driver is deemed to be at fault. A note on no-fault car insurance: If you live in a no-fault state, keep in mind that your no-fault (sometimes called " personal injury protection ") coverage won't typically apply to a vehicle damage claim (Michigan is one notable exception). Under the no-fault schemes in most states, a liability claim against the at-fault driver is usually an option. Determining the Value of Your Vehicle Damage Claim
After you fill out the claim paperwork, the insurance company will either accept or reject your vehicle damage claim. If the accident was your fault, the insurance company will accept your claim only if you carry collision coverage. At this point, the insurer will send a claims adjuster to inspect your vehicle, whether you were able to drive it home or whether it was towed to a repair shop. Normally, you will be entitled to enough money to restore your vehicle to the condition it was in before the accident, based on one or more repair estimates.
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http://insurance.lawyers.com/auto-insurance/auto-repairs-and-insurance-claims-after-an-accident.html
|
Vehicle Damage Claims After an Accident | Lawyers.com
|
Auto Repairs and Insurance Claims After an Accident
Auto Repairs and Insurance Claims After an Accident
The Police Report and Witness Statements
Call Your Insurance Company From the Scene
Whose Insurance Will Cover Your Vehicle Damage?
Determining the Value of Your Vehicle Damage Claim
Disputing the Insurance Estimate
|
Under the no-fault schemes in most states, a liability claim against the at-fault driver is usually an option. Determining the Value of Your Vehicle Damage Claim
After you fill out the claim paperwork, the insurance company will either accept or reject your vehicle damage claim. If the accident was your fault, the insurance company will accept your claim only if you carry collision coverage. At this point, the insurer will send a claims adjuster to inspect your vehicle, whether you were able to drive it home or whether it was towed to a repair shop. Normally, you will be entitled to enough money to restore your vehicle to the condition it was in before the accident, based on one or more repair estimates. If the damage is serious enough that the cost of fixing your car exceeds its “ actual cash value ,” the insurer will deem the vehicle a “total loss,” and instead of paying for repairs, will pay to replace the car. Disputing the Insurance Estimate
If you filed a vehicle damage claim with your own insurance company and you dispute the repair estimate or the assessment of the vehicle's "actual cash value", you can present the carrier with any documentation or evidence that bolsters your argument, including proof of any add-ons to the vehicle that would increase its value. If you can't resolve the dispute informally, your policy probably dictates procedures for dispute resolution, including the requirement that you submit any legal dispute to arbitration. If you filed a third party claim with the other driver's insurance company, you can try the same approach (compiling and presenting evidence demonstrating that the repair estimate or the valuation is too low). And if these kinds of settlement talks stall, you can file a lawsuit to resolve the matter.
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http://insurance.lawyers.com/auto-insurance/insurance-auto-insurance-faqs.html
|
Car Auto Insurance FAQs | Lawyers.com
|
Types of Auto Insurance Coverage
Types of Auto Insurance Coverage
Here's an overview of common questions on the role of auto insurance in car accidents.
Need Immigration Help? We've helped 85 clients find attorneys today.
Q: Can I require my insurance to authorize the use of original equipment parts when repairing my vehicle? My policy says they will return my damaged vehicle to "pre-accident condition."
Q: Do I have to hire a lawyer to defend me if I'm sued over an auto accident?
Q: I'm in a "no-fault" state. What does this mean if I have an accident?
Q: May I keep my vehicle if I have a claim and the insurance company declares it a total loss?
Q: My car was declared a total loss. Is my insurance company required to pay me the replacement cost?
Q: My insurance company is denying my claim because the location where I currently keep my vehicle is different from what is listed on the application. Can they do this?
Q: My state has "Full Tort" and "Limited Tort" options. What does this mean?
Q: My accident was deemed the other driver’s fault. The insurance company is offering far less for my vehicle than what I owe. Don't they have to at least pay off my loan?
Q: What if I fail to keep insurance on my vehicle?
Q: What is "Bodily Injury Liability" ("BIL") insurance?
Q: What is collision coverage?
Q: What is "comprehensive coverage"?
Q: What is "Personal Injury Protection" insurance ("PIP")?
Q: What is "Property Damage Liability" ("PDL") insurance?
Q: What is Uninsured or Underinsured motorist coverage?
|
Car Auto Insurance FAQs | Lawyers.com
Personal Injury
Car Insurance And Car Accident Claims
Types of Auto Insurance Coverage
Here's an overview of common questions on the role of auto insurance in car accidents. Reviewed by David Goguen, J.D., University of San Francisco School of Law
Updated: Dec 1st, 2020
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http://insurance.lawyers.com/auto-insurance/insurance-auto-insurance-faqs.html
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Car Auto Insurance FAQs | Lawyers.com
|
Types of Auto Insurance Coverage
Types of Auto Insurance Coverage
Here's an overview of common questions on the role of auto insurance in car accidents.
Need Immigration Help? We've helped 85 clients find attorneys today.
Q: Can I require my insurance to authorize the use of original equipment parts when repairing my vehicle? My policy says they will return my damaged vehicle to "pre-accident condition."
Q: Do I have to hire a lawyer to defend me if I'm sued over an auto accident?
Q: I'm in a "no-fault" state. What does this mean if I have an accident?
Q: May I keep my vehicle if I have a claim and the insurance company declares it a total loss?
Q: My car was declared a total loss. Is my insurance company required to pay me the replacement cost?
Q: My insurance company is denying my claim because the location where I currently keep my vehicle is different from what is listed on the application. Can they do this?
Q: My state has "Full Tort" and "Limited Tort" options. What does this mean?
Q: My accident was deemed the other driver’s fault. The insurance company is offering far less for my vehicle than what I owe. Don't they have to at least pay off my loan?
Q: What if I fail to keep insurance on my vehicle?
Q: What is "Bodily Injury Liability" ("BIL") insurance?
Q: What is collision coverage?
Q: What is "comprehensive coverage"?
Q: What is "Personal Injury Protection" insurance ("PIP")?
Q: What is "Property Damage Liability" ("PDL") insurance?
Q: What is Uninsured or Underinsured motorist coverage?
|
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Select an answer Afghanistan Albania Algeria Andorra Angola Antigua and Barbuda Argentina Armenia Australia Austria Azerbaijan Bahamas, The Bahrain Bangladesh Barbados Belarus Belgium Belize Benin Bhutan Bolivia Bosnia and Herzegovina Botswana Brazil Brunei Bulgaria Burkina Faso Burundi Cambodia Cameroon Canada Cape Verde Central African Republic Chad Chile China, People's Republic of Colombia Comoros Congo (Congo Kinshasa) Congo (Congo Brazzaville) Costa Rica Cote d'Ivoire (Ivory Coast) Croatia Cuba Cyprus Czech Republic Denmark Djibouti Dominica Dominican Republic Ecuador Egypt El Salvador Equatorial Guinea Eritrea Estonia Ethiopia Fiji Finland France Gabon Gambia, The Georgia Germany Ghana Greece Grenada Guatemala Guinea Guinea-Bissau Guyana Haiti Honduras Hungary Iceland India Indonesia Iran Iraq Ireland Israel Italy Jamaica Japan Jordan Kazakhstan Kenya Kiribati Korea (North Korea) Korea (South Korea) Kuwait Kyrgyzstan Laos Latvia Lebanon Lesotho Liberia Libya Liechtenstein Lithuania Luxembourg Macedonia Madagascar Malawi Malaysia Maldives Mali Malta Marshall Islands Mauritania Mauritius Mexico Micronesia Moldova Monaco Mongolia Montenegro Morocco Mozambique Myanmar (Burma) Namibia Nauru Nepal Netherlands New Zealand Nicaragua Niger Nigeria Norway Oman Pakistan Palau Panama Papua New Guinea Paraguay Peru Philippines Poland Portugal Qatar Romania Russia Rwanda Saint Kitts and Nevis Saint Lucia Saint Vincent and the Grenadines Samoa San Marino Sao Tome and Principe Saudi Arabia Senegal Serbia Seychelles Sierra Leone Singapore Slovakia Slovenia Solomon Islands Somalia South Africa Spain Sri Lanka Sudan Suriname Swaziland Sweden Switzerland Syria Tajikistan Tanzania Thailand Timor-Leste (East Timor) Togo Tonga Trinidad and Tobago Tunisia Turkey Turkmenistan Tuvalu Uganda Ukraine United Arab Emirates United Kingdom United States Uruguay Uzbekistan Vanuatu Vatican City Venezuela Vietnam Yemen Zambia Zimbabwe
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| 457 | 5,761 |
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http://insurance.lawyers.com/auto-insurance/insurance-auto-insurance-faqs.html
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Car Auto Insurance FAQs | Lawyers.com
|
Types of Auto Insurance Coverage
Types of Auto Insurance Coverage
Here's an overview of common questions on the role of auto insurance in car accidents.
Need Immigration Help? We've helped 85 clients find attorneys today.
Q: Can I require my insurance to authorize the use of original equipment parts when repairing my vehicle? My policy says they will return my damaged vehicle to "pre-accident condition."
Q: Do I have to hire a lawyer to defend me if I'm sued over an auto accident?
Q: I'm in a "no-fault" state. What does this mean if I have an accident?
Q: May I keep my vehicle if I have a claim and the insurance company declares it a total loss?
Q: My car was declared a total loss. Is my insurance company required to pay me the replacement cost?
Q: My insurance company is denying my claim because the location where I currently keep my vehicle is different from what is listed on the application. Can they do this?
Q: My state has "Full Tort" and "Limited Tort" options. What does this mean?
Q: My accident was deemed the other driver’s fault. The insurance company is offering far less for my vehicle than what I owe. Don't they have to at least pay off my loan?
Q: What if I fail to keep insurance on my vehicle?
Q: What is "Bodily Injury Liability" ("BIL") insurance?
Q: What is collision coverage?
Q: What is "comprehensive coverage"?
Q: What is "Personal Injury Protection" insurance ("PIP")?
Q: What is "Property Damage Liability" ("PDL") insurance?
Q: What is Uninsured or Underinsured motorist coverage?
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msmarco_v2.1_doc_01_1666253888#3_2442011288
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http://insurance.lawyers.com/auto-insurance/insurance-auto-insurance-faqs.html
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Car Auto Insurance FAQs | Lawyers.com
|
Types of Auto Insurance Coverage
Types of Auto Insurance Coverage
Here's an overview of common questions on the role of auto insurance in car accidents.
Need Immigration Help? We've helped 85 clients find attorneys today.
Q: Can I require my insurance to authorize the use of original equipment parts when repairing my vehicle? My policy says they will return my damaged vehicle to "pre-accident condition."
Q: Do I have to hire a lawyer to defend me if I'm sued over an auto accident?
Q: I'm in a "no-fault" state. What does this mean if I have an accident?
Q: May I keep my vehicle if I have a claim and the insurance company declares it a total loss?
Q: My car was declared a total loss. Is my insurance company required to pay me the replacement cost?
Q: My insurance company is denying my claim because the location where I currently keep my vehicle is different from what is listed on the application. Can they do this?
Q: My state has "Full Tort" and "Limited Tort" options. What does this mean?
Q: My accident was deemed the other driver’s fault. The insurance company is offering far less for my vehicle than what I owe. Don't they have to at least pay off my loan?
Q: What if I fail to keep insurance on my vehicle?
Q: What is "Bodily Injury Liability" ("BIL") insurance?
Q: What is collision coverage?
Q: What is "comprehensive coverage"?
Q: What is "Personal Injury Protection" insurance ("PIP")?
Q: What is "Property Damage Liability" ("PDL") insurance?
Q: What is Uninsured or Underinsured motorist coverage?
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Can I require my insurance to authorize the use of original equipment parts when repairing my vehicle?
| 5,762 | 6,652 |
msmarco_v2.1_doc_01_1666253888#4_2442014015
|
http://insurance.lawyers.com/auto-insurance/insurance-auto-insurance-faqs.html
|
Car Auto Insurance FAQs | Lawyers.com
|
Types of Auto Insurance Coverage
Types of Auto Insurance Coverage
Here's an overview of common questions on the role of auto insurance in car accidents.
Need Immigration Help? We've helped 85 clients find attorneys today.
Q: Can I require my insurance to authorize the use of original equipment parts when repairing my vehicle? My policy says they will return my damaged vehicle to "pre-accident condition."
Q: Do I have to hire a lawyer to defend me if I'm sued over an auto accident?
Q: I'm in a "no-fault" state. What does this mean if I have an accident?
Q: May I keep my vehicle if I have a claim and the insurance company declares it a total loss?
Q: My car was declared a total loss. Is my insurance company required to pay me the replacement cost?
Q: My insurance company is denying my claim because the location where I currently keep my vehicle is different from what is listed on the application. Can they do this?
Q: My state has "Full Tort" and "Limited Tort" options. What does this mean?
Q: My accident was deemed the other driver’s fault. The insurance company is offering far less for my vehicle than what I owe. Don't they have to at least pay off my loan?
Q: What if I fail to keep insurance on my vehicle?
Q: What is "Bodily Injury Liability" ("BIL") insurance?
Q: What is collision coverage?
Q: What is "comprehensive coverage"?
Q: What is "Personal Injury Protection" insurance ("PIP")?
Q: What is "Property Damage Liability" ("PDL") insurance?
Q: What is Uninsured or Underinsured motorist coverage?
|
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master:2021-03-10_12-26-01
Can I require my insurance to authorize the use of original equipment parts when repairing my vehicle? My policy says they will return my damaged vehicle to "pre-accident condition." Do I have to hire a lawyer to defend me if I'm sued over an auto accident? I'm in a "no-fault" state. What does this mean if I have an accident? May I keep my vehicle if I have a claim and the insurance company declares it a total loss?
| 6,037 | 6,969 |
msmarco_v2.1_doc_01_1666253888#5_2442016787
|
http://insurance.lawyers.com/auto-insurance/insurance-auto-insurance-faqs.html
|
Car Auto Insurance FAQs | Lawyers.com
|
Types of Auto Insurance Coverage
Types of Auto Insurance Coverage
Here's an overview of common questions on the role of auto insurance in car accidents.
Need Immigration Help? We've helped 85 clients find attorneys today.
Q: Can I require my insurance to authorize the use of original equipment parts when repairing my vehicle? My policy says they will return my damaged vehicle to "pre-accident condition."
Q: Do I have to hire a lawyer to defend me if I'm sued over an auto accident?
Q: I'm in a "no-fault" state. What does this mean if I have an accident?
Q: May I keep my vehicle if I have a claim and the insurance company declares it a total loss?
Q: My car was declared a total loss. Is my insurance company required to pay me the replacement cost?
Q: My insurance company is denying my claim because the location where I currently keep my vehicle is different from what is listed on the application. Can they do this?
Q: My state has "Full Tort" and "Limited Tort" options. What does this mean?
Q: My accident was deemed the other driver’s fault. The insurance company is offering far less for my vehicle than what I owe. Don't they have to at least pay off my loan?
Q: What if I fail to keep insurance on my vehicle?
Q: What is "Bodily Injury Liability" ("BIL") insurance?
Q: What is collision coverage?
Q: What is "comprehensive coverage"?
Q: What is "Personal Injury Protection" insurance ("PIP")?
Q: What is "Property Damage Liability" ("PDL") insurance?
Q: What is Uninsured or Underinsured motorist coverage?
|
My policy says they will return my damaged vehicle to "pre-accident condition." Do I have to hire a lawyer to defend me if I'm sued over an auto accident? I'm in a "no-fault" state. What does this mean if I have an accident? May I keep my vehicle if I have a claim and the insurance company declares it a total loss? My car was declared a total loss. Is my insurance company required to pay me the replacement cost? My insurance company is denying my claim because the location where I currently keep my vehicle is not the address listed on the application. Can they do this? My state has "Full Tort" and "Limited Tort" options.
| 6,653 | 7,281 |
msmarco_v2.1_doc_01_1666253888#6_2442019257
|
http://insurance.lawyers.com/auto-insurance/insurance-auto-insurance-faqs.html
|
Car Auto Insurance FAQs | Lawyers.com
|
Types of Auto Insurance Coverage
Types of Auto Insurance Coverage
Here's an overview of common questions on the role of auto insurance in car accidents.
Need Immigration Help? We've helped 85 clients find attorneys today.
Q: Can I require my insurance to authorize the use of original equipment parts when repairing my vehicle? My policy says they will return my damaged vehicle to "pre-accident condition."
Q: Do I have to hire a lawyer to defend me if I'm sued over an auto accident?
Q: I'm in a "no-fault" state. What does this mean if I have an accident?
Q: May I keep my vehicle if I have a claim and the insurance company declares it a total loss?
Q: My car was declared a total loss. Is my insurance company required to pay me the replacement cost?
Q: My insurance company is denying my claim because the location where I currently keep my vehicle is different from what is listed on the application. Can they do this?
Q: My state has "Full Tort" and "Limited Tort" options. What does this mean?
Q: My accident was deemed the other driver’s fault. The insurance company is offering far less for my vehicle than what I owe. Don't they have to at least pay off my loan?
Q: What if I fail to keep insurance on my vehicle?
Q: What is "Bodily Injury Liability" ("BIL") insurance?
Q: What is collision coverage?
Q: What is "comprehensive coverage"?
Q: What is "Personal Injury Protection" insurance ("PIP")?
Q: What is "Property Damage Liability" ("PDL") insurance?
Q: What is Uninsured or Underinsured motorist coverage?
|
My car was declared a total loss. Is my insurance company required to pay me the replacement cost? My insurance company is denying my claim because the location where I currently keep my vehicle is not the address listed on the application. Can they do this? My state has "Full Tort" and "Limited Tort" options. What does this mean? My accident was deemed the other driver's fault. The insurance company is offering far less for my vehicle than what I owe. Don't they have to at least pay off my loan? What is " Bodily Injury Liability" ("BIL") insurance?
| 6,969 | 7,525 |
msmarco_v2.1_doc_01_1666253888#7_2442021654
|
http://insurance.lawyers.com/auto-insurance/insurance-auto-insurance-faqs.html
|
Car Auto Insurance FAQs | Lawyers.com
|
Types of Auto Insurance Coverage
Types of Auto Insurance Coverage
Here's an overview of common questions on the role of auto insurance in car accidents.
Need Immigration Help? We've helped 85 clients find attorneys today.
Q: Can I require my insurance to authorize the use of original equipment parts when repairing my vehicle? My policy says they will return my damaged vehicle to "pre-accident condition."
Q: Do I have to hire a lawyer to defend me if I'm sued over an auto accident?
Q: I'm in a "no-fault" state. What does this mean if I have an accident?
Q: May I keep my vehicle if I have a claim and the insurance company declares it a total loss?
Q: My car was declared a total loss. Is my insurance company required to pay me the replacement cost?
Q: My insurance company is denying my claim because the location where I currently keep my vehicle is different from what is listed on the application. Can they do this?
Q: My state has "Full Tort" and "Limited Tort" options. What does this mean?
Q: My accident was deemed the other driver’s fault. The insurance company is offering far less for my vehicle than what I owe. Don't they have to at least pay off my loan?
Q: What if I fail to keep insurance on my vehicle?
Q: What is "Bodily Injury Liability" ("BIL") insurance?
Q: What is collision coverage?
Q: What is "comprehensive coverage"?
Q: What is "Personal Injury Protection" insurance ("PIP")?
Q: What is "Property Damage Liability" ("PDL") insurance?
Q: What is Uninsured or Underinsured motorist coverage?
|
What does this mean? My accident was deemed the other driver's fault. The insurance company is offering far less for my vehicle than what I owe. Don't they have to at least pay off my loan? What is " Bodily Injury Liability" ("BIL") insurance? What is collision coverage? What is "comprehensive coverage"? What is "Personal Injury Protection" insurance ("PIP")? What is "Property Damage Liability" ("PDL") insurance? What is Uninsured or Underinsured motorist coverage?
| 7,282 | 7,751 |
msmarco_v2.1_doc_01_1666253888#8_2442023971
|
http://insurance.lawyers.com/auto-insurance/insurance-auto-insurance-faqs.html
|
Car Auto Insurance FAQs | Lawyers.com
|
Types of Auto Insurance Coverage
Types of Auto Insurance Coverage
Here's an overview of common questions on the role of auto insurance in car accidents.
Need Immigration Help? We've helped 85 clients find attorneys today.
Q: Can I require my insurance to authorize the use of original equipment parts when repairing my vehicle? My policy says they will return my damaged vehicle to "pre-accident condition."
Q: Do I have to hire a lawyer to defend me if I'm sued over an auto accident?
Q: I'm in a "no-fault" state. What does this mean if I have an accident?
Q: May I keep my vehicle if I have a claim and the insurance company declares it a total loss?
Q: My car was declared a total loss. Is my insurance company required to pay me the replacement cost?
Q: My insurance company is denying my claim because the location where I currently keep my vehicle is different from what is listed on the application. Can they do this?
Q: My state has "Full Tort" and "Limited Tort" options. What does this mean?
Q: My accident was deemed the other driver’s fault. The insurance company is offering far less for my vehicle than what I owe. Don't they have to at least pay off my loan?
Q: What if I fail to keep insurance on my vehicle?
Q: What is "Bodily Injury Liability" ("BIL") insurance?
Q: What is collision coverage?
Q: What is "comprehensive coverage"?
Q: What is "Personal Injury Protection" insurance ("PIP")?
Q: What is "Property Damage Liability" ("PDL") insurance?
Q: What is Uninsured or Underinsured motorist coverage?
|
What is collision coverage? What is "comprehensive coverage"? What is "Personal Injury Protection" insurance ("PIP")? What is "Property Damage Liability" ("PDL") insurance? What is Uninsured or Underinsured motorist coverage? Q: Can I require my insurance to authorize the use of original equipment parts when repairing my vehicle? My policy says they will return my damaged vehicle to "pre-accident condition." Possibly. This can depend on both the state where you live and the terms of your auto insurance policy.
| 7,525 | 8,041 |
msmarco_v2.1_doc_01_1666253888#9_2442026332
|
http://insurance.lawyers.com/auto-insurance/insurance-auto-insurance-faqs.html
|
Car Auto Insurance FAQs | Lawyers.com
|
Types of Auto Insurance Coverage
Types of Auto Insurance Coverage
Here's an overview of common questions on the role of auto insurance in car accidents.
Need Immigration Help? We've helped 85 clients find attorneys today.
Q: Can I require my insurance to authorize the use of original equipment parts when repairing my vehicle? My policy says they will return my damaged vehicle to "pre-accident condition."
Q: Do I have to hire a lawyer to defend me if I'm sued over an auto accident?
Q: I'm in a "no-fault" state. What does this mean if I have an accident?
Q: May I keep my vehicle if I have a claim and the insurance company declares it a total loss?
Q: My car was declared a total loss. Is my insurance company required to pay me the replacement cost?
Q: My insurance company is denying my claim because the location where I currently keep my vehicle is different from what is listed on the application. Can they do this?
Q: My state has "Full Tort" and "Limited Tort" options. What does this mean?
Q: My accident was deemed the other driver’s fault. The insurance company is offering far less for my vehicle than what I owe. Don't they have to at least pay off my loan?
Q: What if I fail to keep insurance on my vehicle?
Q: What is "Bodily Injury Liability" ("BIL") insurance?
Q: What is collision coverage?
Q: What is "comprehensive coverage"?
Q: What is "Personal Injury Protection" insurance ("PIP")?
Q: What is "Property Damage Liability" ("PDL") insurance?
Q: What is Uninsured or Underinsured motorist coverage?
|
Q: Can I require my insurance to authorize the use of original equipment parts when repairing my vehicle? My policy says they will return my damaged vehicle to "pre-accident condition." Possibly. This can depend on both the state where you live and the terms of your auto insurance policy. Some insurance companies automatically use original equipment manufacturer (OEM) parts. Others use non-OEM parts. If the repair of the damaged part directly affects the operational safety of the vehicle, your state’s law may require the insurance company to swap in an OEM part as long as one is still available. For non-safety-related parts, there may be more restrictions on the use of OEM, under both your state’s law and the terms of your policy. You may be able to insist on OEM parts, but where they aren't required you will generally have to pay the difference in cost.
| 7,751 | 8,618 |
msmarco_v2.1_doc_01_1666253888#10_2442029044
|
http://insurance.lawyers.com/auto-insurance/insurance-auto-insurance-faqs.html
|
Car Auto Insurance FAQs | Lawyers.com
|
Types of Auto Insurance Coverage
Types of Auto Insurance Coverage
Here's an overview of common questions on the role of auto insurance in car accidents.
Need Immigration Help? We've helped 85 clients find attorneys today.
Q: Can I require my insurance to authorize the use of original equipment parts when repairing my vehicle? My policy says they will return my damaged vehicle to "pre-accident condition."
Q: Do I have to hire a lawyer to defend me if I'm sued over an auto accident?
Q: I'm in a "no-fault" state. What does this mean if I have an accident?
Q: May I keep my vehicle if I have a claim and the insurance company declares it a total loss?
Q: My car was declared a total loss. Is my insurance company required to pay me the replacement cost?
Q: My insurance company is denying my claim because the location where I currently keep my vehicle is different from what is listed on the application. Can they do this?
Q: My state has "Full Tort" and "Limited Tort" options. What does this mean?
Q: My accident was deemed the other driver’s fault. The insurance company is offering far less for my vehicle than what I owe. Don't they have to at least pay off my loan?
Q: What if I fail to keep insurance on my vehicle?
Q: What is "Bodily Injury Liability" ("BIL") insurance?
Q: What is collision coverage?
Q: What is "comprehensive coverage"?
Q: What is "Personal Injury Protection" insurance ("PIP")?
Q: What is "Property Damage Liability" ("PDL") insurance?
Q: What is Uninsured or Underinsured motorist coverage?
|
Some insurance companies automatically use original equipment manufacturer (OEM) parts. Others use non-OEM parts. If the repair of the damaged part directly affects the operational safety of the vehicle, your state’s law may require the insurance company to swap in an OEM part as long as one is still available. For non-safety-related parts, there may be more restrictions on the use of OEM, under both your state’s law and the terms of your policy. You may be able to insist on OEM parts, but where they aren't required you will generally have to pay the difference in cost. Q: Do I have to hire a lawyer to defend me if I'm sued over an auto accident? When you buy liability insurance, part of the insurance company's obligation is to provide a defense for you if you are sued by the other driver -- or by anyone else injured in an accident. That means the insurance company will usually hire and pay for an attorney to represent you in court. Even though the insurance company selects the lawyer and must approve the payment of all legal fees and other expenses of the lawsuit, the lawyer represents you.
| 8,042 | 9,150 |
msmarco_v2.1_doc_01_1666253888#11_2442031997
|
http://insurance.lawyers.com/auto-insurance/insurance-auto-insurance-faqs.html
|
Car Auto Insurance FAQs | Lawyers.com
|
Types of Auto Insurance Coverage
Types of Auto Insurance Coverage
Here's an overview of common questions on the role of auto insurance in car accidents.
Need Immigration Help? We've helped 85 clients find attorneys today.
Q: Can I require my insurance to authorize the use of original equipment parts when repairing my vehicle? My policy says they will return my damaged vehicle to "pre-accident condition."
Q: Do I have to hire a lawyer to defend me if I'm sued over an auto accident?
Q: I'm in a "no-fault" state. What does this mean if I have an accident?
Q: May I keep my vehicle if I have a claim and the insurance company declares it a total loss?
Q: My car was declared a total loss. Is my insurance company required to pay me the replacement cost?
Q: My insurance company is denying my claim because the location where I currently keep my vehicle is different from what is listed on the application. Can they do this?
Q: My state has "Full Tort" and "Limited Tort" options. What does this mean?
Q: My accident was deemed the other driver’s fault. The insurance company is offering far less for my vehicle than what I owe. Don't they have to at least pay off my loan?
Q: What if I fail to keep insurance on my vehicle?
Q: What is "Bodily Injury Liability" ("BIL") insurance?
Q: What is collision coverage?
Q: What is "comprehensive coverage"?
Q: What is "Personal Injury Protection" insurance ("PIP")?
Q: What is "Property Damage Liability" ("PDL") insurance?
Q: What is Uninsured or Underinsured motorist coverage?
|
Q: Do I have to hire a lawyer to defend me if I'm sued over an auto accident? When you buy liability insurance, part of the insurance company's obligation is to provide a defense for you if you are sued by the other driver -- or by anyone else injured in an accident. That means the insurance company will usually hire and pay for an attorney to represent you in court. Even though the insurance company selects the lawyer and must approve the payment of all legal fees and other expenses of the lawsuit, the lawyer represents you. You do, however, have the option of hiring an additional lawyer of your own choosing -- and at your own expense. Q: I'm in a "no-fault" state. What does this mean if I have an accident? In most states, auto insurance functions under a traditional fault-based system, meaning that insurance companies make payments based on who was at fault for the underlying accident.
| 8,618 | 9,519 |
msmarco_v2.1_doc_01_1666253888#12_2442034734
|
http://insurance.lawyers.com/auto-insurance/insurance-auto-insurance-faqs.html
|
Car Auto Insurance FAQs | Lawyers.com
|
Types of Auto Insurance Coverage
Types of Auto Insurance Coverage
Here's an overview of common questions on the role of auto insurance in car accidents.
Need Immigration Help? We've helped 85 clients find attorneys today.
Q: Can I require my insurance to authorize the use of original equipment parts when repairing my vehicle? My policy says they will return my damaged vehicle to "pre-accident condition."
Q: Do I have to hire a lawyer to defend me if I'm sued over an auto accident?
Q: I'm in a "no-fault" state. What does this mean if I have an accident?
Q: May I keep my vehicle if I have a claim and the insurance company declares it a total loss?
Q: My car was declared a total loss. Is my insurance company required to pay me the replacement cost?
Q: My insurance company is denying my claim because the location where I currently keep my vehicle is different from what is listed on the application. Can they do this?
Q: My state has "Full Tort" and "Limited Tort" options. What does this mean?
Q: My accident was deemed the other driver’s fault. The insurance company is offering far less for my vehicle than what I owe. Don't they have to at least pay off my loan?
Q: What if I fail to keep insurance on my vehicle?
Q: What is "Bodily Injury Liability" ("BIL") insurance?
Q: What is collision coverage?
Q: What is "comprehensive coverage"?
Q: What is "Personal Injury Protection" insurance ("PIP")?
Q: What is "Property Damage Liability" ("PDL") insurance?
Q: What is Uninsured or Underinsured motorist coverage?
|
You do, however, have the option of hiring an additional lawyer of your own choosing -- and at your own expense. Q: I'm in a "no-fault" state. What does this mean if I have an accident? In most states, auto insurance functions under a traditional fault-based system, meaning that insurance companies make payments based on who was at fault for the underlying accident. But if you live in a no-fault car insurance state and you get into an accident, your auto insurance provider automatically pays for your damages (regardless of fault) up to your policy limits. In exchange for this guaranteed payment, you give up some of your rights to sue the other driver, and there may be a limit on the types of damages you’re able to collect. Q: May I keep my vehicle if I have a claim and the insurance company declares it a total loss? Usually, no.
| 9,151 | 9,991 |
msmarco_v2.1_doc_01_1666253888#13_2442037416
|
http://insurance.lawyers.com/auto-insurance/insurance-auto-insurance-faqs.html
|
Car Auto Insurance FAQs | Lawyers.com
|
Types of Auto Insurance Coverage
Types of Auto Insurance Coverage
Here's an overview of common questions on the role of auto insurance in car accidents.
Need Immigration Help? We've helped 85 clients find attorneys today.
Q: Can I require my insurance to authorize the use of original equipment parts when repairing my vehicle? My policy says they will return my damaged vehicle to "pre-accident condition."
Q: Do I have to hire a lawyer to defend me if I'm sued over an auto accident?
Q: I'm in a "no-fault" state. What does this mean if I have an accident?
Q: May I keep my vehicle if I have a claim and the insurance company declares it a total loss?
Q: My car was declared a total loss. Is my insurance company required to pay me the replacement cost?
Q: My insurance company is denying my claim because the location where I currently keep my vehicle is different from what is listed on the application. Can they do this?
Q: My state has "Full Tort" and "Limited Tort" options. What does this mean?
Q: My accident was deemed the other driver’s fault. The insurance company is offering far less for my vehicle than what I owe. Don't they have to at least pay off my loan?
Q: What if I fail to keep insurance on my vehicle?
Q: What is "Bodily Injury Liability" ("BIL") insurance?
Q: What is collision coverage?
Q: What is "comprehensive coverage"?
Q: What is "Personal Injury Protection" insurance ("PIP")?
Q: What is "Property Damage Liability" ("PDL") insurance?
Q: What is Uninsured or Underinsured motorist coverage?
|
But if you live in a no-fault car insurance state and you get into an accident, your auto insurance provider automatically pays for your damages (regardless of fault) up to your policy limits. In exchange for this guaranteed payment, you give up some of your rights to sue the other driver, and there may be a limit on the types of damages you’re able to collect. Q: May I keep my vehicle if I have a claim and the insurance company declares it a total loss? Usually, no. If your
| 9,520 | 9,999 |
msmarco_v2.1_doc_01_1666272498#0_2442039735
|
http://insurance.lawyers.com/auto-insurance/when-to-make-an-automobile-insurance-claim.html
|
Car Insurance Claim Timeline | Lawyers.com
|
When to Make an Automobile Insurance Claim
When to Make an Automobile Insurance Claim
You're obligated to report a car accident to your insurance company, but when should you start the claims process, and whose coverage should you file under?
Reporting the Accident Vs. Filing a Claim
Filing a Claim Does Not Mean All the Facts Are In
First-Party Versus Third Party Car insurance Claims
If You Don’t Report the Accident to Your Insurance Company
|
Car Insurance Claim Timeline | Lawyers.com
Personal Injury
Car Accidents
When to Make an Automobile Insurance Claim
Reviewed by David Goguen, J.D., University of San Francisco School of Law
Updated: Nov 1st, 2018
You're obligated to report a car accident to your insurance company, but when should you start the claims process, and whose coverage should you file under? If you’ve been involved in a car accident, it's important to understand how car insurance comes into play, when to make a claim, and whose coverage to file under -- your own or the other driver's. Understanding your options can help you make informed choices after a car accident. Read on to learn more. Every car insurance policy requires the policyholder to notify the insurance company of any "occurrence" or "event" that might trigger coverage (and lead to a claim being filed). Reporting the Accident Vs. Filing a Claim
Perhaps the first thing to understand is that there’s a difference between reporting the accident to your car insurance company, and making a claim under your coverage. Every car insurance policy requires the policyholder to notify the insurance company of any "occurrence" or "event" that might trigger coverage (and lead to a claim being filed). In other words, if there's any possibility that you or someone else could ask for payment from the insurance company over an incident, you have to notify the insurance company of that incident.
| 0 | 1,436 |
msmarco_v2.1_doc_01_1666272498#1_2442041934
|
http://insurance.lawyers.com/auto-insurance/when-to-make-an-automobile-insurance-claim.html
|
Car Insurance Claim Timeline | Lawyers.com
|
When to Make an Automobile Insurance Claim
When to Make an Automobile Insurance Claim
You're obligated to report a car accident to your insurance company, but when should you start the claims process, and whose coverage should you file under?
Reporting the Accident Vs. Filing a Claim
Filing a Claim Does Not Mean All the Facts Are In
First-Party Versus Third Party Car insurance Claims
If You Don’t Report the Accident to Your Insurance Company
|
Every car insurance policy requires the policyholder to notify the insurance company of any "occurrence" or "event" that might trigger coverage (and lead to a claim being filed). Reporting the Accident Vs. Filing a Claim
Perhaps the first thing to understand is that there’s a difference between reporting the accident to your car insurance company, and making a claim under your coverage. Every car insurance policy requires the policyholder to notify the insurance company of any "occurrence" or "event" that might trigger coverage (and lead to a claim being filed). In other words, if there's any possibility that you or someone else could ask for payment from the insurance company over an incident, you have to notify the insurance company of that incident. Most policies contain language that says the accident must be reported “within a reasonable time,” which could mean within a day or two. As opposed to reporting the accident, filing a claim means asking the insurance company to provide coverage to you based on the terms of your policy. Depending on your coverage, that could mean paying for your car repairs, and/or paying your medical bills. It could also mean that the other driver files a third-party claim with your insurer, asking the company to cover his or her own losses stemming from the accident. When we talk about making a claim versus reporting the accident to the insurer, the two can admittedly start to blend together.
| 673 | 2,122 |
msmarco_v2.1_doc_01_1666272498#2_2442044146
|
http://insurance.lawyers.com/auto-insurance/when-to-make-an-automobile-insurance-claim.html
|
Car Insurance Claim Timeline | Lawyers.com
|
When to Make an Automobile Insurance Claim
When to Make an Automobile Insurance Claim
You're obligated to report a car accident to your insurance company, but when should you start the claims process, and whose coverage should you file under?
Reporting the Accident Vs. Filing a Claim
Filing a Claim Does Not Mean All the Facts Are In
First-Party Versus Third Party Car insurance Claims
If You Don’t Report the Accident to Your Insurance Company
|
Most policies contain language that says the accident must be reported “within a reasonable time,” which could mean within a day or two. As opposed to reporting the accident, filing a claim means asking the insurance company to provide coverage to you based on the terms of your policy. Depending on your coverage, that could mean paying for your car repairs, and/or paying your medical bills. It could also mean that the other driver files a third-party claim with your insurer, asking the company to cover his or her own losses stemming from the accident. When we talk about making a claim versus reporting the accident to the insurer, the two can admittedly start to blend together. That’s because once you report the incident, the insurance company will probably assign an adjuster to investigate what happened, whether or not you end up making an actual claim. That means the insurer will try to obtain the police report, will contact the other driver’s insurance company, and will try to get witness statements regarding the accident. Filing a Claim Does Not Mean All the Facts Are In
It's important to note that filing an insurance claim is usually only the first step in the settlement process. At the time you file, you may still be receiving medical treatment for your injuries, and the extent of those injuries might not be fully understood -- for example, how much additional medical care will you require? How much will that treatment cost?
| 1,437 | 2,890 |
msmarco_v2.1_doc_01_1666272498#3_2442046361
|
http://insurance.lawyers.com/auto-insurance/when-to-make-an-automobile-insurance-claim.html
|
Car Insurance Claim Timeline | Lawyers.com
|
When to Make an Automobile Insurance Claim
When to Make an Automobile Insurance Claim
You're obligated to report a car accident to your insurance company, but when should you start the claims process, and whose coverage should you file under?
Reporting the Accident Vs. Filing a Claim
Filing a Claim Does Not Mean All the Facts Are In
First-Party Versus Third Party Car insurance Claims
If You Don’t Report the Accident to Your Insurance Company
|
That’s because once you report the incident, the insurance company will probably assign an adjuster to investigate what happened, whether or not you end up making an actual claim. That means the insurer will try to obtain the police report, will contact the other driver’s insurance company, and will try to get witness statements regarding the accident. Filing a Claim Does Not Mean All the Facts Are In
It's important to note that filing an insurance claim is usually only the first step in the settlement process. At the time you file, you may still be receiving medical treatment for your injuries, and the extent of those injuries might not be fully understood -- for example, how much additional medical care will you require? How much will that treatment cost? Will your ability to return to work be affected? All of these questions can be unanswered at the start of the claim process. The same goes for questions of fault for the underlying accident. Remember also that filing an insurance claim is not the same as filing a lawsuit. Taking a car accident claim to court via a personal injury lawsuit is a much more formal process, and all civil lawsuits are subject to a statutory filing deadline set by a law called a statute of limitations.
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Car Insurance Claim Timeline | Lawyers.com
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When to Make an Automobile Insurance Claim
When to Make an Automobile Insurance Claim
You're obligated to report a car accident to your insurance company, but when should you start the claims process, and whose coverage should you file under?
Reporting the Accident Vs. Filing a Claim
Filing a Claim Does Not Mean All the Facts Are In
First-Party Versus Third Party Car insurance Claims
If You Don’t Report the Accident to Your Insurance Company
|
Will your ability to return to work be affected? All of these questions can be unanswered at the start of the claim process. The same goes for questions of fault for the underlying accident. Remember also that filing an insurance claim is not the same as filing a lawsuit. Taking a car accident claim to court via a personal injury lawsuit is a much more formal process, and all civil lawsuits are subject to a statutory filing deadline set by a law called a statute of limitations. Get the details about the statute of limitations in accident cases. First-Party Versus Third Party Car insurance Claims
A third-party car insurance claim is one that you file with someone else’s insurance company. In the context of a car accident, that usually means the insurance company of the driver who was at fault for the crash. In contrast, a first-party car insurance claim is one that the insurance company receives from its own policyholder. An example of a typical first-party claim is one filed under the terms of your own personal injury protection (PIP) coverage, to get payment for medical bills stemming from car accident injuries.
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Car Insurance Claim Timeline | Lawyers.com
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When to Make an Automobile Insurance Claim
When to Make an Automobile Insurance Claim
You're obligated to report a car accident to your insurance company, but when should you start the claims process, and whose coverage should you file under?
Reporting the Accident Vs. Filing a Claim
Filing a Claim Does Not Mean All the Facts Are In
First-Party Versus Third Party Car insurance Claims
If You Don’t Report the Accident to Your Insurance Company
|
Get the details about the statute of limitations in accident cases. First-Party Versus Third Party Car insurance Claims
A third-party car insurance claim is one that you file with someone else’s insurance company. In the context of a car accident, that usually means the insurance company of the driver who was at fault for the crash. In contrast, a first-party car insurance claim is one that the insurance company receives from its own policyholder. An example of a typical first-party claim is one filed under the terms of your own personal injury protection (PIP) coverage, to get payment for medical bills stemming from car accident injuries. But here again, fault determinations don't have to be concluded in order for a first-party claim to be made. For example, let's say t he insurance companies haven't concluded their investigation (s) into the accident, so it's still unclear who was at fault, but you make a vehicle damage claim under your own collision coverage anyway. If the other driver turns out to be at fault, your own insurance company will probably get back whatever it paid out for your vehicle damage via negotiations with the at-fault driver's insurer, and they may even get back any deductible you had to pay too. ( The lesson here is that you can always make a first-party claim under your collision coverage, regardless of who was at fault for the accident.) If You Don’t Report the Accident to Your Insurance Company
After a minor car accident, you may be hesitant to make a claim at all, thinking your premium will go up.
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Car Insurance Claim Timeline | Lawyers.com
|
When to Make an Automobile Insurance Claim
When to Make an Automobile Insurance Claim
You're obligated to report a car accident to your insurance company, but when should you start the claims process, and whose coverage should you file under?
Reporting the Accident Vs. Filing a Claim
Filing a Claim Does Not Mean All the Facts Are In
First-Party Versus Third Party Car insurance Claims
If You Don’t Report the Accident to Your Insurance Company
|
But here again, fault determinations don't have to be concluded in order for a first-party claim to be made. For example, let's say t he insurance companies haven't concluded their investigation (s) into the accident, so it's still unclear who was at fault, but you make a vehicle damage claim under your own collision coverage anyway. If the other driver turns out to be at fault, your own insurance company will probably get back whatever it paid out for your vehicle damage via negotiations with the at-fault driver's insurer, and they may even get back any deductible you had to pay too. ( The lesson here is that you can always make a first-party claim under your collision coverage, regardless of who was at fault for the accident.) If You Don’t Report the Accident to Your Insurance Company
After a minor car accident, you may be hesitant to make a claim at all, thinking your premium will go up. But if you don’t file a claim -- or at least report the accident to your insurer -- there could be consequences. Perhaps most importantly, if you don't report the accident to the insurer, and a month or so later you (or the other driver) try to make a claim based on the same incident, you can count on the insurer trying to deny coverage. Remember, an insurance policy is a contract, and if you don't do what the contract requires you to do, then you've violated or "breached" the contract, which could allow the insurance company to wiggle out of paying or defending a claim. For example, let's say you were in an accident. Both cars appear to have very little damage, and neither you nor the other driver feels any pain or discomfort.
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http://insurance.lawyers.com/auto-insurance/when-to-make-an-automobile-insurance-claim.html
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Car Insurance Claim Timeline | Lawyers.com
|
When to Make an Automobile Insurance Claim
When to Make an Automobile Insurance Claim
You're obligated to report a car accident to your insurance company, but when should you start the claims process, and whose coverage should you file under?
Reporting the Accident Vs. Filing a Claim
Filing a Claim Does Not Mean All the Facts Are In
First-Party Versus Third Party Car insurance Claims
If You Don’t Report the Accident to Your Insurance Company
|
But if you don’t file a claim -- or at least report the accident to your insurer -- there could be consequences. Perhaps most importantly, if you don't report the accident to the insurer, and a month or so later you (or the other driver) try to make a claim based on the same incident, you can count on the insurer trying to deny coverage. Remember, an insurance policy is a contract, and if you don't do what the contract requires you to do, then you've violated or "breached" the contract, which could allow the insurance company to wiggle out of paying or defending a claim. For example, let's say you were in an accident. Both cars appear to have very little damage, and neither you nor the other driver feels any pain or discomfort. So, you agree not to bring your insurance companies into the matter. But what if, a few weeks later, the other driver calls you and says he has thousands of dollars in vehicle damage, plus he's having serious neck pain? Or, what if your car incurred a lot more damage than you initially thought, or you start having significant pain yourself? Since you didn't notify the insurance company of the accident, they could refuse to pay the other driver's damages (and yours, too), leaving you personally on the financial hook. Learn more about dealing with insurance companies after an accident.
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http://insurance.lawyers.com/professional-liability/many-states-require-medical-malpractice-insurance.html
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Medical Malpractice Lawsuit Timeline | Lawyers.com
|
How Long Will My Medical Malpractice Claim Take?
How Long Will My Medical Malpractice Claim Take?
The procedural and practical complexities of medical malpractice cases can lead to a longer timeline for resolution.
Settlement May Occur Before a Lawsuit Is Filed
Lawsuit Filing Requirements, Discovery, and Motions
Arbitration and Mediation
Trial
The Sooner the Better? Not Necessarily
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Medical Malpractice Lawsuit Timeline | Lawyers.com
Medical Malpractice
Medical Malpractice
How Long Will My Medical Malpractice Claim Take? The procedural and practical complexities of medical malpractice cases can lead to a longer timeline for resolution. Updated by David Goguen, J.D., University of San Francisco School of Law
Updated: Jan 13th, 2021
While many personal injury claims can be resolved (via settlement) at any point between the time of the injury and the moment a judge or jury renders a verdict at the conclusion of a trial, resolution of a medical malpractice claim typically takes longer when compared with other injury-related cases. In this article, we'll explain what that typically means for patients who are seeking a legal remedy for the provision of sub-standard medical care, and we'll look at some possibilities in terms of when medical malpractice cases are most likely to be resolved. Settlement May Occur Before a Lawsuit Is Filed
Filing a medical malpractice lawsuit means the injured patient (the "plaintiff") needs to be ready to prove that medical malpractice occurred. While the requirements differ from state to state, typically that means showing (1) that the doctor and possibly the hospital provided sub-standard medical care (“liability”), and (2) the extent of the resulting injuries, lost income, pain and suffering, and other losses ("damages"). But in some situations, the parties might come to a settlement agreement before a lawsuit is even filed. It's not a common scenario, but t he malpractice claims most likely to be resolved without ever filing a lawsuit –- that is, at "early settlement" -- include those in which all parties fundamentally agree about: what happened (what the health care provider did wrong), and
the resulting harm (exactly how, and to what extent, the patient was injured; "
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Medical Malpractice Lawsuit Timeline | Lawyers.com
|
How Long Will My Medical Malpractice Claim Take?
How Long Will My Medical Malpractice Claim Take?
The procedural and practical complexities of medical malpractice cases can lead to a longer timeline for resolution.
Settlement May Occur Before a Lawsuit Is Filed
Lawsuit Filing Requirements, Discovery, and Motions
Arbitration and Mediation
Trial
The Sooner the Better? Not Necessarily
|
Settlement May Occur Before a Lawsuit Is Filed
Filing a medical malpractice lawsuit means the injured patient (the "plaintiff") needs to be ready to prove that medical malpractice occurred. While the requirements differ from state to state, typically that means showing (1) that the doctor and possibly the hospital provided sub-standard medical care (“liability”), and (2) the extent of the resulting injuries, lost income, pain and suffering, and other losses ("damages"). But in some situations, the parties might come to a settlement agreement before a lawsuit is even filed. It's not a common scenario, but t he malpractice claims most likely to be resolved without ever filing a lawsuit –- that is, at "early settlement" -- include those in which all parties fundamentally agree about: what happened (what the health care provider did wrong), and
the resulting harm (exactly how, and to what extent, the patient was injured; " medical malpractice damages " in legalese). This usually means that the patient's injuries are either minor or at least not susceptible of worsening over time, and the negligent doctor was covered by insurance at the time of the malpractice. It's important to note that this kind of "clear liability" is relatively uncommon in medical malpractice cases. And even where fault is clear, the claim still must be supported by proper evidence, including: written statements and reports of treating physicians and medical experts
treatment records
photos, x-rays, MRIs, or other images of the injuries
medical bills, and
proof of lost earnings for any work absences and any other losses.
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Medical Malpractice Lawsuit Timeline | Lawyers.com
|
How Long Will My Medical Malpractice Claim Take?
How Long Will My Medical Malpractice Claim Take?
The procedural and practical complexities of medical malpractice cases can lead to a longer timeline for resolution.
Settlement May Occur Before a Lawsuit Is Filed
Lawsuit Filing Requirements, Discovery, and Motions
Arbitration and Mediation
Trial
The Sooner the Better? Not Necessarily
|
medical malpractice damages " in legalese). This usually means that the patient's injuries are either minor or at least not susceptible of worsening over time, and the negligent doctor was covered by insurance at the time of the malpractice. It's important to note that this kind of "clear liability" is relatively uncommon in medical malpractice cases. And even where fault is clear, the claim still must be supported by proper evidence, including: written statements and reports of treating physicians and medical experts
treatment records
photos, x-rays, MRIs, or other images of the injuries
medical bills, and
proof of lost earnings for any work absences and any other losses. If there really is nothing to argue about in court, that usually becomes clear within the first 30 to 90 days after discovery of the malpractice. However, a number of factors still can make early settlement of malpractice claims difficult, including: the medical and legal complexity of the issues
reluctance of medical malpractice insurance companies to settle
insured doctors often have the right to disapprove settlement because public reports of malpractice settlements affect their professional reputations, and
mandatory arbitration agreements required by certain HMO health insurers may keep their members from filing lawsuits; you may be required to submit any medical malpractice claim to arbitration rather than taking your case to court, in other words. Lawsuit Filing Requirements, Discovery, and Motions
Assuming no arbitration agreement exists and a medical malpractice lawsuit is filed, in most states the plaintiff must comply with strict procedural requirements that are unique to filing a medical malpractice lawsuit, including the filing of a certificate of merit and possibly pre-lawsuit screening by a medical panel.
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Medical Malpractice Lawsuit Timeline | Lawyers.com
|
How Long Will My Medical Malpractice Claim Take?
How Long Will My Medical Malpractice Claim Take?
The procedural and practical complexities of medical malpractice cases can lead to a longer timeline for resolution.
Settlement May Occur Before a Lawsuit Is Filed
Lawsuit Filing Requirements, Discovery, and Motions
Arbitration and Mediation
Trial
The Sooner the Better? Not Necessarily
|
If there really is nothing to argue about in court, that usually becomes clear within the first 30 to 90 days after discovery of the malpractice. However, a number of factors still can make early settlement of malpractice claims difficult, including: the medical and legal complexity of the issues
reluctance of medical malpractice insurance companies to settle
insured doctors often have the right to disapprove settlement because public reports of malpractice settlements affect their professional reputations, and
mandatory arbitration agreements required by certain HMO health insurers may keep their members from filing lawsuits; you may be required to submit any medical malpractice claim to arbitration rather than taking your case to court, in other words. Lawsuit Filing Requirements, Discovery, and Motions
Assuming no arbitration agreement exists and a medical malpractice lawsuit is filed, in most states the plaintiff must comply with strict procedural requirements that are unique to filing a medical malpractice lawsuit, including the filing of a certificate of merit and possibly pre-lawsuit screening by a medical panel. These processes can be pretty complex and time-consuming. Once all prerequisites have been met and the lawsuit is allowed to proceed, the parties must adhere to specific timelines for gathering information that could lead to evidence at trial -- documents, sworn testimony of parties and witnesses ( depositions ), written questions and answers between the parties ( interrogatories) -- during the "discovery" phase of the case. During this phase, the parties get a clearer picture of how the patient's injuries happened and the nature and extent of other losses caused by the malpractice. For example, if it turns out that the injured patient (the “plaintiff”) was given adequate informed consent regarding known and foreseeable risks associated with a procedure, and that procedure was performed in line with the applicable medical standard of care, the plaintiff's case may weaken considerably. The discovery phase can last up to 12 months or more following the lawsuit’s filing.
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Medical Malpractice Lawsuit Timeline | Lawyers.com
|
How Long Will My Medical Malpractice Claim Take?
How Long Will My Medical Malpractice Claim Take?
The procedural and practical complexities of medical malpractice cases can lead to a longer timeline for resolution.
Settlement May Occur Before a Lawsuit Is Filed
Lawsuit Filing Requirements, Discovery, and Motions
Arbitration and Mediation
Trial
The Sooner the Better? Not Necessarily
|
These processes can be pretty complex and time-consuming. Once all prerequisites have been met and the lawsuit is allowed to proceed, the parties must adhere to specific timelines for gathering information that could lead to evidence at trial -- documents, sworn testimony of parties and witnesses ( depositions ), written questions and answers between the parties ( interrogatories) -- during the "discovery" phase of the case. During this phase, the parties get a clearer picture of how the patient's injuries happened and the nature and extent of other losses caused by the malpractice. For example, if it turns out that the injured patient (the “plaintiff”) was given adequate informed consent regarding known and foreseeable risks associated with a procedure, and that procedure was performed in line with the applicable medical standard of care, the plaintiff's case may weaken considerably. The discovery phase can last up to 12 months or more following the lawsuit’s filing. After discovery, the defendant health care provider may seek to have the case dismissed by various formal motions to the court, such as a motion to dismiss or a motion for summary judgment. Arbitration and Mediation
If an arbitration agreement precludes filing a medical malpractice lawsuit, the injured patient must present the malpractice claim at an arbitration proceeding, which is a form of "alternative dispute resolution" (ADR). The process works very much like court proceedings, including a discovery phase, with each side presenting witnesses and other evidence at a hearing. Courts usually accept arbitration decisions. The entire process usually is designed to resolve the case within 18 months after the injured person initiates arbitration.
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Medical Malpractice Lawsuit Timeline | Lawyers.com
|
How Long Will My Medical Malpractice Claim Take?
How Long Will My Medical Malpractice Claim Take?
The procedural and practical complexities of medical malpractice cases can lead to a longer timeline for resolution.
Settlement May Occur Before a Lawsuit Is Filed
Lawsuit Filing Requirements, Discovery, and Motions
Arbitration and Mediation
Trial
The Sooner the Better? Not Necessarily
|
After discovery, the defendant health care provider may seek to have the case dismissed by various formal motions to the court, such as a motion to dismiss or a motion for summary judgment. Arbitration and Mediation
If an arbitration agreement precludes filing a medical malpractice lawsuit, the injured patient must present the malpractice claim at an arbitration proceeding, which is a form of "alternative dispute resolution" (ADR). The process works very much like court proceedings, including a discovery phase, with each side presenting witnesses and other evidence at a hearing. Courts usually accept arbitration decisions. The entire process usually is designed to resolve the case within 18 months after the injured person initiates arbitration. If a lawsuit has been filed, then shortly after discovery is completed, most courts schedule the parties for what is called “mediation,” a less formal ADR process. A neutral third party “mediator” helps the parties understand the most likely outcome if the case goes to trial -- how a judge or jury probably will decide -- and tries to guide them toward settlement. The mediation process itself may last between a few hours and a couple of days. If successful, the claim may be resolved and the lawsuit dismissed within one to two years after the underlying malpractice. Learn more about arbitration versus mediation.
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Medical Malpractice Lawsuit Timeline | Lawyers.com
|
How Long Will My Medical Malpractice Claim Take?
How Long Will My Medical Malpractice Claim Take?
The procedural and practical complexities of medical malpractice cases can lead to a longer timeline for resolution.
Settlement May Occur Before a Lawsuit Is Filed
Lawsuit Filing Requirements, Discovery, and Motions
Arbitration and Mediation
Trial
The Sooner the Better? Not Necessarily
|
If a lawsuit has been filed, then shortly after discovery is completed, most courts schedule the parties for what is called “mediation,” a less formal ADR process. A neutral third party “mediator” helps the parties understand the most likely outcome if the case goes to trial -- how a judge or jury probably will decide -- and tries to guide them toward settlement. The mediation process itself may last between a few hours and a couple of days. If successful, the claim may be resolved and the lawsuit dismissed within one to two years after the underlying malpractice. Learn more about arbitration versus mediation. Trial
Like most personal injury cases, very few medical malpractice claims reach the trial stage after all other attempts at resolution have failed. Trial is expensive and time-consuming, and the outcome is uncertain. Parties often can wait as long as two years or more before their medical malpractice case gets to trial. The Sooner the Better? Not Necessarily
We surveyed readers who brought a medical malpractice claim against a doctor or other health care provider, and learned that getting the matter resolved faster didn't correspond with a better outcome.
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http://insurance.lawyers.com/professional-liability/many-states-require-medical-malpractice-insurance.html
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Medical Malpractice Lawsuit Timeline | Lawyers.com
|
How Long Will My Medical Malpractice Claim Take?
How Long Will My Medical Malpractice Claim Take?
The procedural and practical complexities of medical malpractice cases can lead to a longer timeline for resolution.
Settlement May Occur Before a Lawsuit Is Filed
Lawsuit Filing Requirements, Discovery, and Motions
Arbitration and Mediation
Trial
The Sooner the Better? Not Necessarily
|
Trial
Like most personal injury cases, very few medical malpractice claims reach the trial stage after all other attempts at resolution have failed. Trial is expensive and time-consuming, and the outcome is uncertain. Parties often can wait as long as two years or more before their medical malpractice case gets to trial. The Sooner the Better? Not Necessarily
We surveyed readers who brought a medical malpractice claim against a doctor or other health care provider, and learned that getting the matter resolved faster didn't correspond with a better outcome. As you can see in the chart to the right, around half of those surveyed said their medical malpractice claim process took six months or less from start to finish, but only three percent of those six-months-or-less respondents received anything at all in the way of a settlement or court award. Time to Resolve Medical Malpractice Claims
About half of our readers resolved their claims within 6 months, but only 3% of those cases resulted in a settlement or award. When a survey respondent's medical malpractice claim took longer than six months to resolve, their chances of receiving compensation jumped from 3 percent to 20 percent. Read more about how long a medical malpractice claim might take, according to our readers. If you're ready to discuss your potential case with a lawyer, get tips on finding the right medical malpractice attorney.
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Homeowners' Insurance Coverage and Replacement Cost Coverage | Lawyers.com
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Homeowners' Insurance Coverage: How Replacement Cost Coverage Helps Pay for a Rebuild
Homeowners' Insurance Coverage: How Replacement Cost Coverage Helps Pay for a Rebuild
What Replacement Cost Coverage Means
Reasons to Choose Replacement Cost Coverage
Policy Limits on Replacement Cost Coverage
Optional Coverages to Add On
|
Homeowners' Insurance Coverage and Replacement Cost Coverage | Lawyers.com
Insurance
Property Insurance
Homeowners' Insurance Coverage: How Replacement Cost Coverage Helps Pay for a Rebuild
If your home were to be destroyed, would you want your insurance company to pay you enough to rebuild with, or only enough to match the cash value of what you lost? Updated: Apr 9th, 2015
You just purchased a new house, and your insurer informs you that the policy coverage limit will be far greater that the amount that you paid for the house. Already struggling to come up with the cash required to pay the premium, you want to know, "Why?" It's likely that your insurer is—for very good reason—urging you to buy coverage that is sufficient to reach the home's replacement cost rather than its actual market value. Some states have enacted legislation protecting consumers from the risks of not obtaining replacement cost coverage. What Replacement Cost Coverage Means
Replacement cost is the amount of money it would take to repair, replace, or rebuild a home with materials similar to the kind and quality used in constructing it, up to a preset limit. ( If your policy were to pay 100% of the costs to rebuild the home you had before, that would be a rare and different type of coverage, called "guaranteed replacement cost.") One positive feature of choosing replacement cost coverage is that, even as your home ages and possibly declines in physical condition, the policy will make no deduction for depreciation (a decrease in value over time due to age or wear and tear).
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Homeowners' Insurance Coverage and Replacement Cost Coverage | Lawyers.com
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Homeowners' Insurance Coverage: How Replacement Cost Coverage Helps Pay for a Rebuild
Homeowners' Insurance Coverage: How Replacement Cost Coverage Helps Pay for a Rebuild
What Replacement Cost Coverage Means
Reasons to Choose Replacement Cost Coverage
Policy Limits on Replacement Cost Coverage
Optional Coverages to Add On
|
It's likely that your insurer is—for very good reason—urging you to buy coverage that is sufficient to reach the home's replacement cost rather than its actual market value. Some states have enacted legislation protecting consumers from the risks of not obtaining replacement cost coverage. What Replacement Cost Coverage Means
Replacement cost is the amount of money it would take to repair, replace, or rebuild a home with materials similar to the kind and quality used in constructing it, up to a preset limit. ( If your policy were to pay 100% of the costs to rebuild the home you had before, that would be a rare and different type of coverage, called "guaranteed replacement cost.") One positive feature of choosing replacement cost coverage is that, even as your home ages and possibly declines in physical condition, the policy will make no deduction for depreciation (a decrease in value over time due to age or wear and tear). By contrast, another type of possible coverage known as "actual cash value" uses a method for settling loss claims that's based on the amount of money needed to repair or replace your home based on its depreciated value. This means you would in all likelihood receive less money to rebuild or replace your home than you would have with replacement cost coverage. Reasons to Choose Replacement Cost Coverage
Construction costs increase over time, and the cost to rebuild your home with similar materials and workmanship could be higher than the amount for which you could sell it. While the market price of a new home includes the cost of construction, the market price of a used home might go down because of age and deterioration. Factors such as changes in building codes, for example if new, additional, or more expensive components were required upon reconstruction for things like energy efficiency or fire safety, only increase the likelihood that replacing all or part of your home will cost more than the home's market value.
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Homeowners' Insurance Coverage and Replacement Cost Coverage | Lawyers.com
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Homeowners' Insurance Coverage: How Replacement Cost Coverage Helps Pay for a Rebuild
Homeowners' Insurance Coverage: How Replacement Cost Coverage Helps Pay for a Rebuild
What Replacement Cost Coverage Means
Reasons to Choose Replacement Cost Coverage
Policy Limits on Replacement Cost Coverage
Optional Coverages to Add On
|
By contrast, another type of possible coverage known as "actual cash value" uses a method for settling loss claims that's based on the amount of money needed to repair or replace your home based on its depreciated value. This means you would in all likelihood receive less money to rebuild or replace your home than you would have with replacement cost coverage. Reasons to Choose Replacement Cost Coverage
Construction costs increase over time, and the cost to rebuild your home with similar materials and workmanship could be higher than the amount for which you could sell it. While the market price of a new home includes the cost of construction, the market price of a used home might go down because of age and deterioration. Factors such as changes in building codes, for example if new, additional, or more expensive components were required upon reconstruction for things like energy efficiency or fire safety, only increase the likelihood that replacing all or part of your home will cost more than the home's market value. And if your home is damaged in a disaster that affects nearby homes, expect local construction costs to go up, due to high demand. Most insurers require that a house be valued at its replacement cost in determining adequate coverage. Your mortgage lender may require your to obtain replacement cost coverage as well, as a condition of your loan. What's more, some states have enacted legislation protecting consumers from the risks of not obtaining replacement cost coverage. In Florida, for example, homeowners' i nsurance companies must at least offer replacement cost coverage.
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Homeowners' Insurance Coverage and Replacement Cost Coverage | Lawyers.com
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Homeowners' Insurance Coverage: How Replacement Cost Coverage Helps Pay for a Rebuild
Homeowners' Insurance Coverage: How Replacement Cost Coverage Helps Pay for a Rebuild
What Replacement Cost Coverage Means
Reasons to Choose Replacement Cost Coverage
Policy Limits on Replacement Cost Coverage
Optional Coverages to Add On
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And if your home is damaged in a disaster that affects nearby homes, expect local construction costs to go up, due to high demand. Most insurers require that a house be valued at its replacement cost in determining adequate coverage. Your mortgage lender may require your to obtain replacement cost coverage as well, as a condition of your loan. What's more, some states have enacted legislation protecting consumers from the risks of not obtaining replacement cost coverage. In Florida, for example, homeowners' i nsurance companies must at least offer replacement cost coverage. Policy Limits on Replacement Cost Coverage
Where replacement cost is used in determining coverage, the policy limit is usually set for at least 80% of the home's replacement cost. If you fail to insure your home for at least 80% of the replacement cost, your insurer may assess a penalty on partial loss claims. For example: If the replacement cost of your home is $125,000, 80% of that gives you $100,000 in coverage. So, if you insure your home for $100,000 and suffer fire damage of $20,000, your insurer will pay the full $20,000 loss claim.
| 2,602 | 3,729 |
msmarco_v2.1_doc_01_1666287706#4_2442084770
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http://insurance.lawyers.com/property-insurance/insurance-coverage-and-replacement-costs.html
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Homeowners' Insurance Coverage and Replacement Cost Coverage | Lawyers.com
|
Homeowners' Insurance Coverage: How Replacement Cost Coverage Helps Pay for a Rebuild
Homeowners' Insurance Coverage: How Replacement Cost Coverage Helps Pay for a Rebuild
What Replacement Cost Coverage Means
Reasons to Choose Replacement Cost Coverage
Policy Limits on Replacement Cost Coverage
Optional Coverages to Add On
|
Policy Limits on Replacement Cost Coverage
Where replacement cost is used in determining coverage, the policy limit is usually set for at least 80% of the home's replacement cost. If you fail to insure your home for at least 80% of the replacement cost, your insurer may assess a penalty on partial loss claims. For example: If the replacement cost of your home is $125,000, 80% of that gives you $100,000 in coverage. So, if you insure your home for $100,000 and suffer fire damage of $20,000, your insurer will pay the full $20,000 loss claim. If you insure your home for only $80,000 to cover the mortgage, and then suffer fire damage of $20,000, your insurer will pay only a portion of the $20,000 fire loss, very possibly prorated based on the percentage by which your home was underinsured. As you make improvements to your home, keep track of and report them to your insurance company. Each improvement increases the replacement cost of your home. You should check with your insurance agent each year to be sure that you have adequate coverage. Optional Coverages to Add On
To make sure that you're not among the American homeowners who are underinsured (as most are), you might also want to include in your policy:
| 3,183 | 4,406 |
msmarco_v2.1_doc_01_1666287706#5_2442086642
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http://insurance.lawyers.com/property-insurance/insurance-coverage-and-replacement-costs.html
|
Homeowners' Insurance Coverage and Replacement Cost Coverage | Lawyers.com
|
Homeowners' Insurance Coverage: How Replacement Cost Coverage Helps Pay for a Rebuild
Homeowners' Insurance Coverage: How Replacement Cost Coverage Helps Pay for a Rebuild
What Replacement Cost Coverage Means
Reasons to Choose Replacement Cost Coverage
Policy Limits on Replacement Cost Coverage
Optional Coverages to Add On
|
If you insure your home for only $80,000 to cover the mortgage, and then suffer fire damage of $20,000, your insurer will pay only a portion of the $20,000 fire loss, very possibly prorated based on the percentage by which your home was underinsured. As you make improvements to your home, keep track of and report them to your insurance company. Each improvement increases the replacement cost of your home. You should check with your insurance agent each year to be sure that you have adequate coverage. Optional Coverages to Add On
To make sure that you're not among the American homeowners who are underinsured (as most are), you might also want to include in your policy: An inflation guard endorsement, which automatically adjusts the replacement cost coverage limits of your home to ensure that your coverage is adequate. A scheduled personal property endorsement, which provides separate protection, over and above your policy limits, for such items of personal property as jewelry, furs, stamps, coins, and fine art. Normally, these items are covered on an actual cash value basis, with sub-limits that cap the items' replacement cost. Also called a personal article floater, the additional protection requires each item to be itemized and described.
| 3,729 | 4,989 |
msmarco_v2.1_doc_01_1666293333#0_2442088550
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http://insurance.leads2results.com/group-health-insurance-leads.aspx
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Group Health Insurance Leads - Leads2Results.com
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Group Health
Group Health
Group Health Insurance Leads
Get Leads Now Call: 1.800.486.8616
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Group Health Insurance Leads - Leads2Results.com
Group Health
Group Health Insurance Leads
Group Health Insurance Leads are generated by interested businesses searching the internet for business insurance services. We offer high quality, business insurance leads from self motivated companies. We gather information on potential clients as they complete the online questionnaire form. The moment we receive the completed information, it is immediately routed to your email address for action on your part in real-time. We have group health insurance leads available in real time and also in the aged leads database. View one of our sample leads and Create a Free Account Today. All of our health insurance leads are generated from highly targeted websites that are designed to target self-motivated applicants searching the internet for your products and services. Our assurance to you is that the integrity of our leads is never compromised. Ever! Get Leads Now Call:
| 0 | 968 |
msmarco_v2.1_doc_01_1666293333#1_2442089877
|
http://insurance.leads2results.com/group-health-insurance-leads.aspx
|
Group Health Insurance Leads - Leads2Results.com
|
Group Health
Group Health
Group Health Insurance Leads
Get Leads Now Call: 1.800.486.8616
|
View one of our sample leads and Create a Free Account Today. All of our health insurance leads are generated from highly targeted websites that are designed to target self-motivated applicants searching the internet for your products and services. Our assurance to you is that the integrity of our leads is never compromised. Ever! Get Leads Now Call: 1.800.486.8616
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| 616 | 1,033 |
msmarco_v2.1_doc_01_1666294678#0_2442090654
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http://insurance.lovetoknow.com/72_Hour_Rule_and_Medicare
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72 Hour Rule and Medicare | LoveToKnow
|
72 Hour Rule and Medicare
72 Hour Rule and Medicare
72 Hour Rule and Medicare
Unrelated Diagnostic Services are Included
Other Services Can Be Excluded
Recordkeeping
Staying Compliant
|
72 Hour Rule and Medicare | LoveToKnow
72 Hour Rule and Medicare
By Rick Fulks
Copied! Source
To crack down on fraud as part of the False Claims Act, the government is increasingly looking at the 72 hour rule and Medicare. This rule can be a headache for hospital administrators because it is easy to accidentally violate the rules when submitting bills for reimbursement. 72 Hour Rule and Medicare
The 72 hour rule is part of the Medicare Prospective Payment System (PPS). The rule states that any outpatient diagnostic or other medical services performed within 72 hours prior to being admitted to the hospital must be bundled into one bill. Another way of wording the rule is that outpatient services performed within 72 hours of inpatient services are considered one claim and must be billed together rather than separately. Examples of diagnostic services that are covered in the 72 Hour Rule include: Lab work
Radiology
Nuclear medicine
CT scans
Anesthesia
Cardiology
Osteopathic services
EKG
EEG
Unrelated Diagnostic Services are Included
One of the more confusing aspects of the 72 hour rule is that unrelated outpatient services can be bundled with the inpatient surgery. For example, let's say a patient goes to the hospital's outpatient center and has an x-ray performed on her leg. She has been feeling pains in the leg and needs to have it evaluated.
| 0 | 1,363 |
msmarco_v2.1_doc_01_1666294678#1_2442092465
|
http://insurance.lovetoknow.com/72_Hour_Rule_and_Medicare
|
72 Hour Rule and Medicare | LoveToKnow
|
72 Hour Rule and Medicare
72 Hour Rule and Medicare
72 Hour Rule and Medicare
Unrelated Diagnostic Services are Included
Other Services Can Be Excluded
Recordkeeping
Staying Compliant
|
Another way of wording the rule is that outpatient services performed within 72 hours of inpatient services are considered one claim and must be billed together rather than separately. Examples of diagnostic services that are covered in the 72 Hour Rule include: Lab work
Radiology
Nuclear medicine
CT scans
Anesthesia
Cardiology
Osteopathic services
EKG
EEG
Unrelated Diagnostic Services are Included
One of the more confusing aspects of the 72 hour rule is that unrelated outpatient services can be bundled with the inpatient surgery. For example, let's say a patient goes to the hospital's outpatient center and has an x-ray performed on her leg. She has been feeling pains in the leg and needs to have it evaluated. This would seem like it would be billed on its own, separate from any other claims. However, if the same patient checks into the hospital within 72 hours for a previously scheduled inpatient surgery, then the leg x-ray is billed together with the surgery. The surgery doesn't even have to be on her leg. It could be a completely unrelated procedure, such as heart surgery. The important part in this scenario is that the x-ray was a diagnostic service.
| 644 | 1,816 |
msmarco_v2.1_doc_01_1666294678#2_2442094082
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http://insurance.lovetoknow.com/72_Hour_Rule_and_Medicare
|
72 Hour Rule and Medicare | LoveToKnow
|
72 Hour Rule and Medicare
72 Hour Rule and Medicare
72 Hour Rule and Medicare
Unrelated Diagnostic Services are Included
Other Services Can Be Excluded
Recordkeeping
Staying Compliant
|
This would seem like it would be billed on its own, separate from any other claims. However, if the same patient checks into the hospital within 72 hours for a previously scheduled inpatient surgery, then the leg x-ray is billed together with the surgery. The surgery doesn't even have to be on her leg. It could be a completely unrelated procedure, such as heart surgery. The important part in this scenario is that the x-ray was a diagnostic service. Other Services Can Be Excluded
The distinction between "diagnostic services" and "other services" is key to understanding how the 72 hour rule and Medicare works. Let's look at another scenario to see the difference between the two. The same patient as above, after finding she has arthritis in her leg, comes back the next day to the outpatient center for a physical therapy session. Since the physical therapy on her leg is unrelated to her previously scheduled heart surgery, the physical therapy can be billed separately from the heart surgery. There is an exception to this rule, however.
| 1,364 | 2,410 |
msmarco_v2.1_doc_01_1666294678#3_2442095569
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http://insurance.lovetoknow.com/72_Hour_Rule_and_Medicare
|
72 Hour Rule and Medicare | LoveToKnow
|
72 Hour Rule and Medicare
72 Hour Rule and Medicare
72 Hour Rule and Medicare
Unrelated Diagnostic Services are Included
Other Services Can Be Excluded
Recordkeeping
Staying Compliant
|
Other Services Can Be Excluded
The distinction between "diagnostic services" and "other services" is key to understanding how the 72 hour rule and Medicare works. Let's look at another scenario to see the difference between the two. The same patient as above, after finding she has arthritis in her leg, comes back the next day to the outpatient center for a physical therapy session. Since the physical therapy on her leg is unrelated to her previously scheduled heart surgery, the physical therapy can be billed separately from the heart surgery. There is an exception to this rule, however. If the physical therapy is related to a surgery she has within 72 hours, then the physical therapy is bundled with the inpatient surgery since they are related. Using our same patient as an example, the therapy would be bundled if she had emergency leg surgery since the therapy was performed on the leg that was operated on. Recordkeeping
To make sure bills are processed (and paid) properly, the hospital must keep proper records. This is a so that Medicare can classify each patient into a Diagnostic Related Group (DRG). Each medical bill must include the following information to meet the requirements:
| 1,816 | 3,018 |
msmarco_v2.1_doc_01_1666294678#4_2442097212
|
http://insurance.lovetoknow.com/72_Hour_Rule_and_Medicare
|
72 Hour Rule and Medicare | LoveToKnow
|
72 Hour Rule and Medicare
72 Hour Rule and Medicare
72 Hour Rule and Medicare
Unrelated Diagnostic Services are Included
Other Services Can Be Excluded
Recordkeeping
Staying Compliant
|
If the physical therapy is related to a surgery she has within 72 hours, then the physical therapy is bundled with the inpatient surgery since they are related. Using our same patient as an example, the therapy would be bundled if she had emergency leg surgery since the therapy was performed on the leg that was operated on. Recordkeeping
To make sure bills are processed (and paid) properly, the hospital must keep proper records. This is a so that Medicare can classify each patient into a Diagnostic Related Group (DRG). Each medical bill must include the following information to meet the requirements: Diagnosis (the main reason the patient was admitted to the hospital)
Complications and Comorbidities (secondary diagnosis)
Procedures performed
Age of the patient
Gender
Discharge disposition (was it routine or was the patient transferred, etc.?) Staying Compliant
As you can see, it's very easy to mistakenly double-bill Medicare. If a hospital is caught doing this, they are subject to large penalties. To help stay compliant with the law, some hospitals are turning to computer assisted audit techniques (CAATs) to help spot separate bills that should really be bundled. Comments
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