y***m
发帖数: 7027 | 1 超出部分都用雨伞险cover? 雨伞险100w保额1年只要100多，但是25000的保额改到30w
后一年保费涨200多。。。
thx! |
f*******e
发帖数: 1300 | 2 All umbrella policies require a minimum policy limit for the underlying
policies. The insurer of the umbrella policy can deny and will definitely
deny claims if you fail to maintain the underlying policy limit.
30w
【在 y***m 的大作中提到】
: 超出部分都用雨伞险cover? 雨伞险100w保额1年只要100多，但是25000的保额改到30w
: 后一年保费涨200多。。。
: thx!
|
y***m
发帖数: 7027 | 3 现在最低的，geio说可以买，每年110+
【在 f*******e 的大作中提到】
: All umbrella policies require a minimum policy limit for the underlying
: policies. The insurer of the umbrella policy can deny and will definitely
: deny claims if you fail to maintain the underlying policy limit.
:
: 30w
|
o**o
发帖数: 2 | |
T****3
发帖数: 452 | 5 楼上说的，是保险公司将拒绝理赔。
你说的，是可以买。
上面两点，好像是两回事。
【在 y***m 的大作中提到】
: 现在最低的，geio说可以买，每年110+
|
f*******e
发帖数: 1300 | 6 I don't understand what you have said. What's the minimum underlying limit
that Geico told you? I think Geico requires at least $300K underlying limit.
$25K per occurrence limit is way too low to satisfy the requirement.
【在 y***m 的大作中提到】
: 现在最低的，geio说可以买，每年110+
|
s*******1
发帖数: 3820 | |
f*******e
发帖数: 1300 | 8 You will fail to fullfill your contractual obligation if you increase the
policy limit of your primary policy so that you are eligible to purchase the
umbrella policy and then you lower your primary policy limit to save money.
As a result, your insurer of the umbrella policy has the right to deny your
claim and cancel your policy. Please keep in mind that an insurance policy
is a contract between you and your insurer, and both of you have obligations
to fulfill to make the policy a valid and legal contact.
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
http://www.geico.com/information/aboutinsurance/umbrella/insurance-requirements/
Umbrella Insurance - Required Minimum Limits
To be eligible for our Personal Umbrella Policy, you will need to have and
maintain certain minimum liability limits on your auto and homeowners
policies (and your boat policy if you're lucky enough to own one). Here are
the minimum liability limits for each of the different types of policies:
Auto Insurance Policy
* $300,000 person/$300,000 occurrence (Bodily Injury)
* $100,000 (Property Damage)
Homeowners Insurance Policy
* $300,000 liability
Boat Insurance Policy (if applicable)
* Boats under 26 feet & under 50 hp: $100,000 liability
* Boats 26 feet or longer, or 50 hp and up: $300,000 liability
30w
【在 y***m 的大作中提到】
: 超出部分都用雨伞险cover? 雨伞险100w保额1年只要100多，但是25000的保额改到30w
: 后一年保费涨200多。。。
: thx!
|
f*******e
发帖数: 1300 | 9 from Geico's website...
Well, umbrella insurance is extra liability insurance. It is designed to
protect you from major claims and lawsuits and as a result it helps protect
your assets and your future. It does this in two ways:
1. Provides additional liability coverage above the limits of your
homeowners, auto, and boat insurance policies. This protection is designed
to kick in when the liability on these other policies has been exhausted.
2. Provides coverage for claims that may be excluded by other liability
policies including: false arrest, libel, slander, and liability coverage on
rental units you own.
【在 s*******1 的大作中提到】
: 什么是雨伞险？在国内没有保险过，搞不清这些
|
G*******m
发帖数: 16326 | 10 卖保险的人很不地道的。
卖我雨伞险的那位，说基本保险要多少多少，然后上网把我的保额给私自改了。
幸亏我去看了看，否则她把的保额减到不能qualify雨伞险的地步我却不知，这个雨伞险就白买了。 |
s*******1
发帖数: 3820 | 11 谢谢。那买这个＋最低基本险好还是直接买不同种类的保险好？
protect
on
【在 f*******e 的大作中提到】
: from Geico's website...
: Well, umbrella insurance is extra liability insurance. It is designed to
: protect you from major claims and lawsuits and as a result it helps protect
: your assets and your future. It does this in two ways:
: 1. Provides additional liability coverage above the limits of your
: homeowners, auto, and boat insurance policies. This protection is designed
: to kick in when the liability on these other policies has been exhausted.
: 2. Provides coverage for claims that may be excluded by other liability
: policies including: false arrest, libel, slander, and liability coverage on
: rental units you own.
|
G*******m
发帖数: 16326 | 12 后来才知道，雨伞险一般是卖给小孩子到了开车年龄的家庭。
当时奇怪保险公司不太情愿卖这个保险，总是不停的问我有没有新的driver要加进了。 |
