Term of The Week
Ancillary Services:
Health care services conducted by providers other than physicians and surgeons. These will usually include such services as physical therapy and home health care.
Larry's Tip of The Week
With the financial crisis that looms over us and many consumers having difficult financial times we’re seeing an auto insurance scam that is putting drivers at risk.
The scam is fraudulent insurance I.D. cards and is currently predominant on the east coast. These cards are being purchased by consumers in an effort to not pay for auto insurance and still get their vehicles registered for the road. These cards are also being purchased by honest unsuspecting consumers who believe they purchased legitimate insurance.
Officials estimate that New Yorkers have lost millions to fake insurance card scams. If you are involved in an auto accident that is not your fault, and the other driver does not have legitimate insurance you are left holding the bag. Unless you have uninsured and underinsured motorist coverage, you are not going to collect for damages to your car.
If an uninsured motorist hit’s a pedestrian, that leaves the pedestrian with the responsibility of paying his medical expenses, unless he has health insurance.
The swindlers are targeting undocumented immigrants as well as consumers who are not that well educated about buying insurance.
The best things you can do to protect yourself.
Buy insurance from a licensed agent or broker. You can verify the agents license on the dept. of insurance website, for your state. If you don’t have Internet access you can call your state dept. of insurance.
You can also call the licensed insurance company to verify that you have real insurance coverage.
I recommend that you carry uninsured and underinsured motorist coverage to protect you from those without insurance. Like the slogan from an older “American Express” card commercial say’s,
“Don’t leave home without it”.