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Also, if you choose to switch providers, you must make arrangements carefully to avoid a lapse between when your current auto insurance policy ends and your new one begins.
Letting your car insurance lapse can create multiple problems.
An SPD must contain all of the following information: Wrap SPD Document Requirements: Group insurance Certificates of Insurance are typically not SPDs because they do not contain all of the language required by ERISA.
An employer must prepare an ERISA "wrapper" to supplement the Certificate of Insurance.
When your insurance company notifies the DMV that they no longer cover your car, you are subject to a number of penalties that vary by state.
Common penalties for car insurance lapses include: Lastly, if you drive uninsured and cause an accident, you are financially responsible for damages and injuries that occur.
We do cover direct loss that follows caused by fire, explosion or breakage of glass.
Water damage, meaning: (a) flood, surface water, waves, tidal water or overflow of a body of water.
It may be possible to add a water back up endorsement to your home, condo, or renters policy for an additional premium.
OR, the provider still needs to notify Care Source within 90 days from the date of the primary EOB denial, whichever is greater.
Example: Claim for date of service 12/1/15 was denied on 1/10/16 due to member having primary coverage effective 1/1/15, and the EOB was not attached to the claim.
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Earthquake or other earth movement including loss caused by, contributed to or aggravated by landslide; mine subsidence; mudflow, earth sinking, rising or shifting.