Gertraude Jackel

Gertraude Jackel

Avid food trailblazer. Unapologetic pop culture geek. Extreme twitter maven. Devoted beer trailblazer. Infuriatingly humble twitter scholar.

106 Articles Written
What is Personal Liability Insurance and How Can It Help You?

What is Personal Liability Insurance and How Can It Help You?

Personal liability insurance is a type of insurance that provides coverage for legal costs and medical bills if you are...

How Much Does Liability Insurance Cost? An Expert's Guide to Finding the Right Coverage

How Much Does Liability Insurance Cost? An Expert's Guide to Finding the Right Coverage

When it comes to the cost of insurance, the industry in which a company operates is a major factor. Businesses that are...

Do I Need Uninsured Motorist Coverage in Florida? - A Practical Necessity

Do I Need Uninsured Motorist Coverage in Florida? - A Practical Necessity

Uninsured motorist coverage is a practical necessity in Florida, even if you have comprehensive and collision insurance....

What are the minimum limits of liability for um uim coverage in ohio?

What are the minimum limits of liability for um uim coverage in ohio?

Based on average rates for Ohio drivers with minimal liability coverage, the cheapest and most widely available car...

What is Medical Payment in General Liability Insurance? A Comprehensive Guide

What is Medical Payment in General Liability Insurance? A Comprehensive Guide

Medical payments are a form of general liability coverage that provides reimbursement to third parties for medical or...

Is buying more than minimum coverage insurance a waste of money?

Is buying more than minimum coverage insurance a waste of money?

It's always a good idea to buy more than the minimum car insurance to protect your finances. Although it will cost you...

What is a liability amount in insurance?

What is a liability amount in insurance?

Liability coverage limits for different types of vehicles are usually represented by three numbers, e.g., liability...

What Does Covered Service Mean in Health Insurance? A Comprehensive Guide

What Does Covered Service Mean in Health Insurance? A Comprehensive Guide

Your health insurance policy is a contract between you and your insurance provider. It outlines the medical benefits you...

How can i avoid paying high insurance?

How can i avoid paying high insurance?

Check the discounts you're eligible for. Car insurance is needed to protect you financially when you're behind the wheel.

Is collision and comprehensive deductible the same?

Is collision and comprehensive deductible the same?

The collision deductible applies to impact losses that cause damage to your vehicle. For example, a collision with a...

Which of the following is not covered by commercial general liability insurance?

Which of the following is not covered by commercial general liability insurance?

You can protect your business from a variety of risks, including the risk of a lawsuit stemming from everyday business...

What are the 2 major types of insurances?

What are the 2 major types of insurances?

Collision insurance pays for the repair or replacement of your car after an accident, no matter whose fault it was....

Everything You Need to Know About Personal Injury Protection Insurance

Everything You Need to Know About Personal Injury Protection Insurance

Personal Injury Protection (PIP) is a type of car insurance that provides coverage for medical expenses, lost wages, and...

Understanding Insurance Coverages and What They Mean for You

Understanding Insurance Coverages and What They Mean for You

Insurance coverages can be confusing, but understanding them is essential to making sure you have the right coverage for...

Why Liability Insurance is Essential for Drivers

Why Liability Insurance is Essential for Drivers

Driving a car comes with a lot of responsibility, and one of the most important things to consider is liability...

Is Personal Liability Insurance Worth It? A Comprehensive Guide

Is Personal Liability Insurance Worth It? A Comprehensive Guide

When it comes to safeguarding your financial assets, personal liability insurance is an essential consideration. If you...

What's the difference between comprehensive and full coverage?

What's the difference between comprehensive and full coverage?

The difference between full coverage and comprehensive insurance is that a full coverage insurance policy includes...

Is a Higher Deductible Better for Collision or Comprehensive Insurance?

Is a Higher Deductible Better for Collision or Comprehensive Insurance?

If you're a safe driver, you may be able to offset the costs of your car insurance policy by opting for a high collision...

Components of Automobile Liability Insurance Explained

Components of Automobile Liability Insurance Explained

Auto liability insurance is a type of coverage that provides financial protection to drivers who cause harm to another...

What are the 4 perils that insurance covers for your home?

What are the 4 perils that insurance covers for your home?

Covered hazards are events or hazards that cause damage or destruction to your property or belongings and that are also...

Comprehensive Car Insurance: Is It Worth the Investment?

Comprehensive Car Insurance: Is It Worth the Investment?

Comprehensive car insurance is often more expensive in areas with a high rate of claims, such as those with high levels...

What Happens if You Get in an Accident Without Insurance in Ohio?

What Happens if You Get in an Accident Without Insurance in Ohio?

Ohio is a “tort liability” state, meaning that the at-fault driver in an accident is responsible for paying for the...

What will cause a claim to be rejected or denied?

What will cause a claim to be rejected or denied?

The rejection of a claim occurs before it is processed and, in most cases, is due to incorrect data. Conversely, the...

Do I Need Personal Liability Insurance? A Comprehensive Guide to Protect Yourself Financially

Do I Need Personal Liability Insurance? A Comprehensive Guide to Protect Yourself Financially

If you are responsible for your own living expenses or have assets such as a home, savings, or investments, you may want...

Comprehensive Insurance: What You Need to Know

Comprehensive Insurance: What You Need to Know

Comprehensive insurance is a type of car coverage that helps pay for the replacement or repair of your vehicle in the...

How Much Uninsured Motorist Coverage Do You Need in Pennsylvania?

How Much Uninsured Motorist Coverage Do You Need in Pennsylvania?

After an accident caused by an uninsured driver, many drivers without coverage for uninsured motorists are left with...

Components of Liability Coverage and What is Covered

Components of Liability Coverage and What is Covered

Liability insurance for cars is a guarantee against the driver's personal property in the event of an accident that...

Is ohio a no-fault state for car accidents?

Is ohio a no-fault state for car accidents?

Ohio is not a no-fault state; this is an important fact when it comes to insurance claims. However, many people who are...

Does gap insurance cover a blown transmission?

Does gap insurance cover a blown transmission?

Breach insurance does not cover transmission repairs. Coverage without coverage only covers the difference between what...

What is Liability Insurance and Why Do You Need It? - A Comprehensive Guide

What is Liability Insurance and Why Do You Need It? - A Comprehensive Guide

Liability insurance coverage is a type of insurance product that provides protection against claims that result from...

Do I Need Personal Injury Protection if I Have Full Coverage Auto Insurance?

Do I Need Personal Injury Protection if I Have Full Coverage Auto Insurance?

If you live in a state where personal injury protection (PIP) is required, you will still need the PIP even if you have...

What is Uninsured Motorist Bodily Liability Coverage in Pennsylvania? A Comprehensive Guide

What is Uninsured Motorist Bodily Liability Coverage in Pennsylvania? A Comprehensive Guide

In Pennsylvania, it is not mandatory for drivers to have coverage for uninsured motorists. However, it is a wise...

What Does Non-Covered Mean in Insurance? A Comprehensive Guide

What Does Non-Covered Mean in Insurance? A Comprehensive Guide

Your health insurance plan doesn't pay for certain services. These services may include those provided by providers...

When is the Right Time to Drop Comprehensive Car Insurance Coverage?

When is the Right Time to Drop Comprehensive Car Insurance Coverage?

There's no need to cancel comprehensive coverage if you prefer to keep it. However, if you're uncertain about the...

What is the Difference Between Uninsured/Underinsured Motorist Coverage and Liability Insurance?

What is the Difference Between Uninsured/Underinsured Motorist Coverage and Liability Insurance?

Uninsured motorist insurance is a type of coverage that provides protection in the event of an accident with an at-fault...

What is Medical Payments to Others Coverage on Homeowners Insurance? A Comprehensive Guide

What is Medical Payments to Others Coverage on Homeowners Insurance? A Comprehensive Guide

Medical Payments to Others coverage, or “Coverage F”, is an important component of your home insurance policy that...

Understanding the Priority of UIM Coverage in Pennsylvania

When it comes to the validity of the “coordination of benefits” provision with the requirements of the MVFRL, the...

Why Liability Insurance is a Must for Everyone

Why Liability Insurance is a Must for Everyone

Liability insurance is a type of insurance product that provides protection against claims that arise from injuries and...

Is it good to have uninsured motorist in florida?

Is it good to have uninsured motorist in florida?

Many drivers in Florida don't have this additional liability coverage, and if they do, they often have the minimum amount ...

What is the um coverage in ohio?

What is the um coverage in ohio?

Under Revised Ohio Code 3937 and 18, coverage for uninsured or underinsured drivers is offered to residents of Ohio for...

What You Need to Know About Missouri's At-Fault Car Accident System

What You Need to Know About Missouri's At-Fault Car Accident System

Missouri is an at-fault state when it comes to car accidents, meaning that the driver responsible for causing an accident ...

What type of insurance gives the greatest amount?

What type of insurance gives the greatest amount?

Term insurance is initially cheaper than other types of policies that offer the same amount of protection. So it gives...

What is Medical Payments Liability Insurance and How Can It Protect You?

What is Medical Payments Liability Insurance and How Can It Protect You?

Medical payments liability insurance is a type of coverage that can help you cover medical expenses related to a car...

How Much Does Collision Insurance Cost? An Expert's Guide to Understanding Coverage

How Much Does Collision Insurance Cost? An Expert's Guide to Understanding Coverage

Comprehensive insurance and collision insurance are two types of auto insurance that are part of a full coverage policy....

Is it worth it to get uninsured motorist coverage in florida?

Is it worth it to get uninsured motorist coverage in florida?

Florida has a lot of underinsured drivers. You may not be required to have uninsured motorist insurance in Florida..

What happens when you reach the coverage gap?

What happens when you reach the coverage gap?

Once you reach the coverage limit, you won't pay more than 25% of the cost of brand-name prescription drugs covered by...

How many exclusions are found in a typical medical payments coverage?

How many exclusions are found in a typical medical payments coverage?

Medical payment coverage is similar to liability coverage because it is offered on the basis of open risks within the car ...

Do I Need Full Coverage or Liability Insurance for My Car?

Do I Need Full Coverage or Liability Insurance for My Car?

Do you need full coverage car insurance? It all depends on the level of protection you're looking for and the value of...

What does it mean to have a comprehensive insurance?

What does it mean to have a comprehensive insurance?

Comprehensive auto insurance is coverage that helps pay for the replacement or repair of your vehicle if it's stolen or...

What is the Most Common Liability Insurance Coverage? A Comprehensive Guide

What is the Most Common Liability Insurance Coverage? A Comprehensive Guide

In addition to mandatory liability insurance, you may want to consider other types of optional coverage for your vehicle, ...

What Services are Not Covered by Insurance Policies?

What Services are Not Covered by Insurance Policies?

When it comes to insurance policies, there are certain services that are excluded or limited in terms of coverage. These...

What are the two most common types of professional liability insurance plans?

What are the two most common types of professional liability insurance plans?

The two types of professional liability insurance are claims and occurrence insurance. Claims submitted mean that the...

What's the Difference Between Liability and Full Coverage Auto Insurance?

What's the Difference Between Liability and Full Coverage Auto Insurance?

When it comes to auto insurance, there are two main types of coverage: liability and full coverage. Liability insurance...

How is the coverage gap determined?

How is the coverage gap determined?

The coverage gap begins after you and your drug plan have spent a certain amount on covered drugs. Most Medicare drug...

Which two policy coverage forms are used in a cgl?

Which two policy coverage forms are used in a cgl?

Provides coverage based on claims submitted for electronic data loss caused by the insured. A commercial general...

What Does Excluded Mean in Insurance Terms?

What Does Excluded Mean in Insurance Terms?

An exclusion is a provision of an insurance policy that eliminates coverage for certain acts, property, types of damage,...

What Isn't Covered Under a Liability Policy? A Comprehensive Guide to Protect Your Business

What Isn't Covered Under a Liability Policy? A Comprehensive Guide to Protect Your Business

General liability insurance is an essential part of any business owner's insurance needs. It provides coverage for any...

Which insurances are a waste of money?

Which insurances are a waste of money?

Seven types of insurance that are often a waste of money: rental car insurance. Keep reading to discover 6 insurance...

What is Full Coverage Car Insurance Called?

What is Full Coverage Car Insurance Called?

Comprehensive coverage is just one type of coverage included in a “full coverage” car insurance plan. Remember that...

Do I Need Gap Insurance? A Comprehensive Guide

Do I Need Gap Insurance? A Comprehensive Guide

In a nutshell, liability insurance covers any damages that the driver may have incurred, collision insurance and...

How Much Does Rental Car Reimbursement Insurance Cost? A Comprehensive Guide

How Much Does Rental Car Reimbursement Insurance Cost? A Comprehensive Guide

Rental reimbursement insurance is a type of coverage that pays for the cost of a rental car while your vehicle is being...

What is the minimum car insurance you need in pa?

What is the minimum car insurance you need in pa?

Consider things like the value of your car and how much you're comfortable spending in the event of an accident or even a ...

What is Liability Insurance and How Does it Differ from Other Types of Insurance?

What is Liability Insurance and How Does it Differ from Other Types of Insurance?

Liability coverage is an essential part of your car insurance policy and helps pay for the other driver's expenses if you ...

Why Do People Need Liability Insurance Coverage?

Why Do People Need Liability Insurance Coverage?

If you cause an accident that injures another person, bodily injury liability coverage can help pay your medical bills....

What is the Maximum Limit of Liability Insurance Coverage?

What is the Maximum Limit of Liability Insurance Coverage?

When it comes to insurance, liability limits are the maximum amount of damages (“compensation”) that an insurance...

Insurance Basics: A Comprehensive Guide

Insurance Basics: A Comprehensive Guide

Insurance is a way to manage your risk and protect yourself from unexpected financial losses. When you take out...

What Exclusions are Found in a Typical Medical Payments Coverage Section?

What Exclusions are Found in a Typical Medical Payments Coverage Section?

Medical payment coverage is similar to liability coverage in that it is offered on the basis of open risks within the car ...

What Does a Health Benefit Plan Cover?

What Does a Health Benefit Plan Cover?

Health benefit plans provide coverage for a wide range of medical services, including inpatient and outpatient hospital...

What is Not Covered Under a Health Benefit Plan? A Comprehensive Guide

What is Not Covered Under a Health Benefit Plan? A Comprehensive Guide

Health insurance is a great way to ensure that you have access to the medical care you need. But it's essential to...

Is full coverage really worth it?

Is full coverage really worth it?

If you have a new car model, you'll probably want to maintain full coverage even if you bought it without a loan. Having...

Types of Liability Insurance: What You Need to Know

Types of Liability Insurance: What You Need to Know

Liability insurance is an essential part of any business or individual's financial plan. It can provide protection from a ...

Why Personal Liability Coverage is Essential

Why Personal Liability Coverage is Essential

Personal liability coverage is an absolute must for anyone who owns a home or any other type of property. It provides...

What is a general liability insurance claim?

What is a general liability insurance claim?

Liability insurance is an insurance product that provides protection against claims resulting from injuries and damage to ...

Comprehensive vs Basic Insurance: What's the Difference? A Comprehensive Guide

Comprehensive vs Basic Insurance: What's the Difference? A Comprehensive Guide

When it comes to auto insurance, there are two main types of coverage: comprehensive and collision. Comprehensive...

What are Car Insurance Exclusions and How Do They Impact You?

What are Car Insurance Exclusions and How Do They Impact You?

An excluded driver is someone who has been explicitly removed from coverage under your auto insurance policy. Their name...

What is Liability Insurance Coverage and What Does it Protect You From?

What is Liability Insurance Coverage and What Does it Protect You From?

Liability insurance coverage is a form of insurance that provides financial protection if you are held responsible for...

How much can i get from an underinsured motorist claim florida?

How much can i get from an underinsured motorist claim florida?

Underinsured motorist insurance covers drivers who don't have enough insurance to pay for all the damage and injuries...

How Much Liability Coverage Do You Need to Protect Yourself?

How Much Liability Coverage Do You Need to Protect Yourself?

From liability insurance to medical payment coverage, there are many ways to protect yourself from the unexpected with...

Do I Need Collision Insurance if I Have Full Coverage Auto Insurance?

Do I Need Collision Insurance if I Have Full Coverage Auto Insurance?

Collision insurance is a type of coverage that pays for the costs of repairing or replacing your car if it is damaged in...

What is Uninsured Motorist Coverage in Pennsylvania? A Comprehensive Guide

What is Uninsured Motorist Coverage in Pennsylvania? A Comprehensive Guide

Uninsured motorist coverage is a type of protection that provides coverage for damages suffered in an accident involving...

What are comprehensive and collision coverage when should you carry these?

What are comprehensive and collision coverage when should you carry these?

Collision insurance covers problems such as car accidents, while comprehensive insurance covers issues such as car theft, ...

What is excluded risk in insurance?

What is excluded risk in insurance?

An exclusion is a provision of an insurance policy or bond that refers to hazards, circumstances, or assets not covered...

What is the Difference Between Rental Reimbursement and Collision Insurance Coverage?

What is the Difference Between Rental Reimbursement and Collision Insurance Coverage?

Rental reimbursement is a type of coverage that pays for the cost of a rental vehicle while repairs are being done on...

Does Gap Insurance Cover an Upside Down Trade In?

Does Gap Insurance Cover an Upside Down Trade In?

If you have taken out a loan to finance or lease a car, gap insurance can provide protection in the event that you owe...

What is the difference between full coverage and comprehensive coverage?

What is the difference between full coverage and comprehensive coverage?

The difference between full coverage and comprehensive insurance is that a full coverage insurance policy includes...

Is $300 a lot for insurance?

Is $300 a lot for insurance?

If you take out more than one insurance policy from the same provider, it can save you a lot of money, since the...

What is the Difference Between Insurance and Liability Insurance?

What is the Difference Between Insurance and Liability Insurance?

Liability coverage is for injuries and damages to other people when you are at fault. Full coverage often refers to...

Do I Need Uninsured Motorist Coverage in Florida? - A Comprehensive Guide

Do I Need Uninsured Motorist Coverage in Florida? - A Comprehensive Guide

Do you live in Florida and own a car? If so, you should know that it is essential to have coverage for uninsured drivers. ...

Does it make sense to have full coverage insurance?

Does it make sense to have full coverage insurance?

If your vehicle is older or you think you have enough money to pay for the damage out of pocket, you may want to go for...

What is the Difference Between Towing and Labor Coverage and Comprehensive Insurance Coverage?

What is the Difference Between Towing and Labor Coverage and Comprehensive Insurance Coverage?

Towing coverage is an optional addition to comprehensive auto insurance policies that provides reimbursement for towing...

What job negotiates insurance settlements?

What job negotiates insurance settlements?

The most important rule of negotiating with a claims adjuster is to be prepared. Never start the process without...

What to Do When the At-Fault Driver Has No Insurance in Ohio

What to Do When the At-Fault Driver Has No Insurance in Ohio

If you're involved in a car accident in Ohio and the at-fault driver doesn't have insurance, you may be wondering what...

What is Covered vs Non-Covered Services? A Comprehensive Guide to Understanding Your Insurance

What is Covered vs Non-Covered Services? A Comprehensive Guide to Understanding Your Insurance

The differences between covered and uncovered services are quite straightforward: some are paid for by your insurance,...

What Home Insurance Exclusions Do You Need to Know About?

What Home Insurance Exclusions Do You Need to Know About?

Insurance policies are designed to protect you from a variety of risks, but they don't cover everything. Standard...

Understanding Underinsured Motorist Coverage in Pennsylvania: What You Need to Know

Understanding Underinsured Motorist Coverage in Pennsylvania: What You Need to Know

When it comes to auto insurance, it's important to understand the different types of coverage available. In Pennsylvania, ...

What are the benefits of having liability insurance?

What are the benefits of having liability insurance?

Liability insurance is essential coverage for small business owners. It helps protect you from claims that your business...

What is the Most Expensive Type of Car Insurance Coverage?

What is the Most Expensive Type of Car Insurance Coverage?

When it comes to car insurance, the type of vehicle you drive can have a major impact on your rates. According to...

What happens if an insurance company overpays you?

What happens if an insurance company overpays you?

If the payer confirms that they made an overpayment, they must reprocess the claim to prove that the payment is correct...

Will Gap Insurance Cover a Blown Engine? - An Expert's Perspective

Will Gap Insurance Cover a Blown Engine? - An Expert's Perspective

Gap insurance is an optional coverage that can be included in an auto insurance policy. It is designed to pay the...

Does Uninsured Motorist Coverage Protect You From Hit-and-Runs in Florida?

Does Uninsured Motorist Coverage Protect You From Hit-and-Runs in Florida?

It may come as a surprise to some, but if you have coverage for uninsured motorists, it will cover your losses if you are ...