Minimum Auto Insurance Requirements Department of Financial Services

This section includes outreach and enrollment tools and resources, some of which are customizable and available in multiple languages. Section attribute tables—Single- and double-precision coversROUTELINK# identifies the route to which the section belongs. Route attribute tables—Single- and double-precision coversSubclass# is the internal number of the route subclass. Node attribute tables—Single- and double-precision coversARC# is the internal number of the arc corresponding to the node. XMAX,YMAX are the coordinates of the upper right corner of the minimum bounding rectangle of all arcs and points in the coverage.

• The approval for a home equity loan is usually easy as the lender has collateral to cover the loan amount.
• If your doctors or suppliers aren’t enrolled, Medicare won’t pay the claims they submit.
• The NAIC provides expertise, data, and analysis for insurance commissioners to effectively regulate the insurance industry and protect consumers.
• Medical Professional Liability – insurance coverage protecting a licensed health care provider or health care facility against legal liability resulting from the death or injury of any person due to the insured’s misconduct, negligence, or incompetence in rendering professional services.
• Group Annuity – a contract providing income for a specified period of time, or duration of life for a person or persons established to benefit a group of employees.
• Accident Only or AD&D – policies providing coverage, singly or in combination, for death, dismemberment, disability, or hospital and medical care caused by or necessitated as a result of accident or specified kinds of accidents.

Premiums Earned – the portion of premium for which the policy protection or coverage has already been given during the now-expired portion of the policy term. Policy Period – time period during which insurance coverage is in effect. Personal Earthquake – earthquake property coverage for personal, family or household purposes. Other Considerations – Unallocated annuity considerations and other unallocated deposits that incorporate any mortality or morbidity risk and are not reported as direct premiums, direct annuity considerations or deposit-type contract funds. Option – an agreement giving the buyer the right to buy or receive, sell or deliver, enter into, extend or terminate, or effect a cash settlement based on the actual or expected price, level, performance or value of one or more Underlying Interests.

Medicare

Examples of items covered are pension plans, group life insurance, group health insurance, group disability income insurance, and accidental death and dismemberment. Contractual Liability – liability coverage of an insured who has assumed the legal liability of another party by written or oral contract. Includes a contractual liability policy https://globalcloudteam.com/ providing coverage for all obligations and liabilities incurred by a service contract provider under the terms of service contracts issued by the provider. Out-of-network allowed amount means the maximum amount a group health plan or health insurance issuer will pay for a covered item or service furnished by an out-of-network provider.

The term includes recorded information of a scientific or technical nature that is included in computer databases (see 41 U.S.C. 116). Plant clearance officer means an authorized representative of the contracting officer, appointed in accordance with agency procedures, responsible for screening, redistributing, and disposing of contractor inventory from a contractor’s plant or work site. The term “Contractor’s plant” includes, but is not limited to, Government-owned contractor-operated plants, Federal installations, and Federal and non-Federal industrial operations, as may be required under the scope of the contract. Contracting means purchasing, renting, leasing, or otherwise obtaining supplies or services from nonfederal sources. Contracting includes description of supplies and services required, selection and solicitation of sources, preparation and award of contracts, and all phases of contract administration.

Flood insurance

Medicare Part B covers medically necessary DME if your Medicare-enrolled doctor or other health care provider prescribes it for use in your home. Viatical Settlements – contracts or agreements in which a buyer agrees to purchase all or a part of a life insurance policy. Personal Flood – separate flood insurance policy sold for personal, family or household purposes. Medicare Cost – contract with Center for Medicare and Medicaid Services for Medicare coverage. These contracts with CMS provide reimbursement through pre-determined monthly amount per member based on a total estimated budget. Living benefits rider – a rider attached to a life insurance policy providing long term care for the terminally ill.

Allied Lines – coverages which are generally written with property insurance, e.g., glass, tornado, windstorm and hail; sprinkler and water damage; explosion, riot, and civil commotion; growing crops; flood; rain; and damage from aircraft and vehicle, etc. Accident Only or AD&D – policies providing coverage, singly or in combination, for death, dismemberment, disability, or hospital and medical care caused by or necessitated as a result of accident or specified kinds of accidents. Types of coverage include student accident, sports accident, travel accident, blanket accident, specific accident or accidental death and dismemberment (AD&D). Compliance Date – The date by which a covered entity must comply with a standard, implementation specification, requirement, or modification adopted under the Privacy Rule. With the exception of small health plans, which have an extra year to comply, covered entities must complete implementation of, and be in compliance with, the Privacy Rule by April 14, 2003. The policy covers employee and public liability, equipment loss, materials, and personal accidents.

prepaid tuition plan

Medical suppliers of an expendable nature such as incontinent pads, lambs wool pads, catheters, ace bandages, surgical face masks, irrigating kits, sheets and bags are not considered “durable” within the meaning of the definition. There are other items which, although durable, may fall into other coverage categories such as braces, prosthetic devices, artificial arms, legs, and eyes. In the event of a flood, your National Flood Insurance Program policy covers direct physical losses to your structure and belongings. Warranty means a promise or affirmation given by a contractor to the Government regarding the nature, usefulness, or condition of the supplies or performance of services furnished under the contract. Sole source acquisition means a contract for the purchase of supplies or services that is entered into or proposed to be entered into by an agency after soliciting and negotiating with only one source.

A person or company offering insurance policies in return for premiums; person or organization that insures. A fee your card provider charges when you use your prepaid card in a foreign country or to pay in a foreign currency. This fee is usually a percentage of your purchase, withdrawal, or other transaction, rather than a flat fee. Not all cards can be used outside the United States, so check your cardholder agreement before you travel. The index number schools use to determine your eligibility for federal financial aid.

Durable medical equipment (DME) coverage

Voluntary Consensus Standards are developed or adopted by domestic and international voluntary consensus standard making bodies (e.g., International Organization for Standardization and ASTM-International). Unique entity identifier means a number or other identifier used to identify a specific commercial, nonprofit, or Government entity. See for the designated entity https://globalcloudteam.com/glossary/coverage-item/ for establishing unique entity identifiers. Task order means an order for services placed against an established contract or with Government sources. Signature or “signed” means the discrete, verifiable symbol of an individual that, when affixed to a writing with the knowledge and consent of the individual, indicates a present intention to authenticate the writing.

The management and daily business operations of which are controlled by one or more service-disabled veterans or, in the case of a service-disabled veteran with permanent and severe disability, the spouse or permanent caregiver of such veteran. Purchase order, when issued by the Government, means an offer by the Government to buy supplies or services, including construction and research and development, upon specified terms and conditions, using simplified acquisition procedures. Personal services contract means a contract that, by its express terms or as administered, makes the contractor personnel appear to be, in effect, Government employees (see 37.104).

Gross income

Car rental companies may sell a Collision Damage Waiver , also known as “Optional Vehicle Protection” . For rentals of 30 consecutive days or less, car rental companies in New York State can sell CDW, or, if not purchased, charge a renter for the total value of a stolen or damaged rental vehicle. The daily cost of the CDW may be as high as $12, depending on the value of the vehicle.

Mortgage loans are used to buy a home or to borrow money against the value of a home you already own. Inconsistent amounts of money you receive through work or investments; both the schedule and the amount may vary. Something you spend your money on that you expect will earn a financial return. Something, such as an outcome, you wish to achieve or accomplish in a specific amount of time. Generally, an informal term for situations where people are hired for single projects or tasks or for short-term jobs, often through a digital marketplace.

Dwelling Replacement Cost

The lender can also engage in debt collection, can file negative information on your credit report, and might sue you. The date that an investor’s investment is to be paid back in full in accordance with its agreement. A certificate of deposit contains a maturity date provision obligating the financial institution to repay an investor sums invested plus interest on a specified date. Using your personal information — such as your name, Social Security number, or credit card number — without your permission. A type of financial aid that does not have to be repaid, unless, for example, you withdraw from school and you need to pay back some of the grant money; often need-based. A fee your prepaid card provider may charge to replace your card if it is lost, stolen, or damaged.