What happens if I drive poorly in a UBI program?

Poor driving habits, such as harsh braking, speeding, or late-night driving, may result in higher premiums. Some insurers may offer warnings or educational feedback before adjusting rates, while others may increase premiums for high-risk driving behavior.

Is a deductible refundable?

No, once a deductible is paid as part of a claim settlement, it is non-refundable, even if another party is later found responsible for the damages.

Will travel insurance cover evacuation if I’m in a remote area?

Many travel insurance policies cover emergency evacuations from remote locations, but coverage depends on accessibility and insurer limitations. Some providers specialize in extreme location evacuations and may require additional fees. Travelers venturing into remote areas should verify their policy's geographic coverage and limitations.

Does third-party insurance cover damage to rented property?

Third-party insurance typically does not cover damage to rented property owned by others, unless specified in the policy. However, if the policyholder causes damage to someone else's property, third-party insurance will cover the costs of those damages.

What types of insurance are covered by guaranty funds?

Most states' guaranty funds cover life insurance, health insurance, annuities, and property and casualty insurance, but coverage may vary depending on state regulations.

What does "burden of proof" mean in legal cases?

The burden of proof refers to the obligation of a party to prove its claims in a legal case. In criminal law, the prosecution must prove the defendant’s guilt beyond a reasonable doubt. In civil law, the burden is lower, requiring proof based on a preponderance of evidence (more likely than not).

Can someone take out car insurance without owning the car?

No, in car insurance, the policyholder must have insurable interest in the vehicle, usually meaning they own it or are financially responsible for it, like a lessee.

Are emergency vet visits covered under accident-only pet insurance?

Yes, accident-only policies typically cover emergency vet visits needed to treat injuries resulting from unexpected accidents.