Test Mag Volume 1 | Page 3

Waivers are not insurance; they are relatively from a collision with an object (e.g., a pothole, lamp inexpensive and provide coverage if you have to cancel post or guard rail), another car or as the result of the trip, but come with many restrictions and are not flipping over. However, it does not cover wear and tear regulated by state insurance departments. to a car or its tires due to bad road conditions. There are many different travel insurance companies Collision coverage and types of policies to choose from. Before choosing generally one, compare companies, policy coverage, benefits and deductible – the higher your prices. And check your health and homeowners deductible, the lower your insurance policies to see what coverage you already premium. have. You may discover that your medical insurance coverage will reimburse you does not cover you abroad, and may provide no for the costs of repairing your car, minus the deductible. coverage at all for medical evacuation. sold Your with is a collision Collision insurance is different from comprehensive To get the travel insurance policy that is right for insurance, which is also an optional coverage. your situation, talk to your insurance professional or Comprehensive coverage reimburses drivers for theft, your travel agent. vandalism, flooding and damage from fallen objects, Additional information is also available from the U.S. Travel Insurance Association. RELATED LINKS Consumer Article: Travel Insurance Video: Test Your Travel Insurance IQ Jeanne Salvatore blogs at The Fine Print. The I.I.I.’s free mobile apps can help you create a disaster plan, learn about selecting the right insurance for your needs and budget, and create and maintain a home inventory. Learn more about our suite of apps here. The I.I.I. has a full library of educational videos on its You Tube Channel. Information about I.I.I. mobile apps can be found here. DOES MY AUTO INSURANCE COVER DAMAGE CAUSED BY POTHOLES? From: www.iii.org The good news is, yes, pothole damage is usually covered – providing you have collision coverage. Collision coverage, an optional portion of a standard such as trees. A driver who hits another car, or a pedestrian, due to a pothole also will be covered by liability insurance, which is required to drive legally in every U.S. state except New Hampshire. Liability coverage applies to injuries that you, the policyholder or designated driver, cause to someone else. Facts and Figures Most motorists carry collision coverage on their vehicles. Indeed, 71 percent of U.S. drivers had collision coverage as of 2011, the most recent year for which the National Association of Insurance Commissioners (NAIC) has data. The NAIC found that 76 percent of all drivers had comprehensive coverage in 2011. For information on what the typical American policyholder spends on auto insurance, see our Facts & Statistics: Auto Insurance. auto insurance policy, covers damage to a car resulting -3-