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Some useful information about insurances, policies and programs:

Collision coverage pays for damage to your car which results from an accident. You can collect under your own collision coverage whether or not you were at fault. Collision coverage is sold with a deductible. This means that you are responsible for the cost of damages up to the deductible amount of the policy. Your company will pay for damages in excess of the deductible.

Guaranteed Renewability. A feature in health plans that means your coverage cannot be canceled because you get sick. HIPAA requires all health insurance to be guaranteed renewable. Your coverage can be canceled for other reasons unrelated to your health status.



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