Personal Insurance

More in Personal Insurance

How Long Does an Accident Stay on Your Insurance?

Even an accident that doesn't leave you or your car seriously damaged can lead to your insurer upping your rates. It's not inevitable: Your insurer may overlook a minor accident if you have a history of safe driving. In many cases, though, your rates will go up, and they'll stay ...

If I'm Covered by Medicare Should I Have Additional Health Insurance?

When you are covered by Medicare, you have widely accepted healthcare insurance. However, Medicare seldom covers all of your medical expenses. Therefore, it makes perfect sense to purchase health insurance to reinforce your Medicare coverage. Multiple private insurance companies ...

Are Health Insurance Benefits Considered Income by the IRS?

Health insurance is not taxable income, even if your employer pays for it. Under the Affordable Care Act, the amount your employer spends on your premiums appears on your W-2s, but it still isn't income. When you receive benefits from your insurance policy, however, they may be ...

Are Insurance Claims Taxable?

If you have an insurance settlement coming, you may have tax issues as well. Although as a general rule the IRS does not consider payments on claims as income, under some circumstances you may have to declare them. It depends on the amount you receive from the insurance company ...

Health Savings Account Vs. PPO

A health savings account, or HSA, is very different from a personal provider organization, or PPO. Both types of medical benefit products are common parts of benefit packages. PPO is a common type of employer health plan, whereas an HSA is money you set aside for personal health ...

How Do I Drive a New Car Home From the Dealership With No Insurance?

You can see a real-time update of the number of vehicles rolling off assembly lines at the Worldometers website. The numbers tick by in rapid succession, but if you were to try to drive any of these off U.S. lots without insurance coverage, you would be looking for trouble. In ...

Do You Have to Be Married to Share Health Insurance?

While health insurance can be expensive, the cost of being uninsured is often much higher. The American College of Physicians estimates that the uninsured pay an extra $1,600 to $3,300 every year. Most employer health plans offer family plans that cover spouses and children, but ...

Does Major Dental Work Count as a Deduction for Income Tax?

Major dental work such as braces and dental surgery can cost thousands of dollars. Even routine visits to the dentist can get pricey. The Internal Revenue Service considers dental care costs a medical expense. However, that does not automatically mean major dental work will ...

What Is a Retroactive Date in Insurance?

Depending on the nature of your work, it may be beneficial for you to carry professional liability insurance. Largely due to changes that occurred in the insurance industry during the 1980s, most professional liability insurance contracts are now claims-made policies. If your ...

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