Insurance Review

3. professional liability insurance that protects companies and individuals against claims made by clients for inadequate work or negligent actions.
8. designed to help pay for veterinary care when a pet suffers an unexpected illness or injury.
10. difference between the amount that the insurer will pay as actual cash value and the amount in which the insured owes to the entity that financed or leased the vehicle.
11. is a federal health program, subject to the jurisdiction of the federal government’s Department of Health and Human Resources and the Social Security Administration.
13. Any individual who is eligible to continue health coverage under NYS continuation coverage (if plan was written in NY and is not a self-insured plan) is eligible for a total of up to 36 months of coverage.
14. also called personal injury protection
15. provides health benefits to individuals and families who qualify based on income
16. Exclusive Provider Organization (EPO),Health Maintenance Organization (HMO)<Preferred Provider Organization (PPO), and Indemnity Plans are examples of

1. pure liability coverage over and above the coverage afforded by the regular policy
2. protects the owner of property and the mortgage lender against future claims for any unknown defects in the title to the property at the time of sale.
4. free service to assist families in locating life insurance policies
5. unable to obtain auto insurance due to bad driving, no credit or criminal record.
6. a legal remedy for consumers who buy or lease new cars and certain used cars
7. NY consumers are protected from these, when treated by an out-of-network provider at a participating hospital or ambulatory surgical center in their health plan’s network.
9. This type of plan is offered through a person's employer.
12. protects policyholders of life insurance companies in the event of an insurance company insolvency or bankruptcy.