#accidentaldamage

[youraccidentteam]

Protect your financial stability with Loss of Wages Insurance from Your Accident Team Safeguard your income in case of unexpected accidents or injuries that leave you unable to work. Explore our comprehensive insurance coverage options and ensure peace of mind for you and your loved ones. Visit our website now!

[fincrew]

Ninety-five percent of new-and used-car shoppers prioritize reliability when deciding on a vehicle. Knowing which cars are reliable is not enough for many shoppers. Protection is what they seek. A vehicle service contract, often called an extended warranty, appeals to consumers interested in buying a used car or developing bumper-to-bumper coverage on a new car. No matter what type you choose, extended warranties give you peace of mind by limiting your financial risk for a specified amount of time. However, car owners often pay more for the coverage than they receive indirect benefits. It isn’t surprising since extended warranties generate a lot of revenue for those who sell them.

What Is An Extended Car Warranty?

Extended warranties, also called service contracts, are an optional plan you can purchase to help pay for some of the costs associated with vehicle repairs. It usually occurs when the manufacturer’s warranty expires, but there are times when the two overlap. However, extended warranties do not cover everything.

Do You Need An Extended Warranty?

Purchasing an extended warranty is primarily determined by the ownership plan of each individual. The extended warranty may not be necessary if the car is used and sold within its warranty period. It may, however, result in better negotiations and a higher resale value in the future. It is beneficial to keep the car longer than the standard warranty. Although cars today are more reliable than ever, some failures can still occur, especially after two or three years. It is when extended warranties come in handy.

What Does An Extended Warranty Cover?

The answer depends on the manufacturer as well as the model. The manufacturer typically offers the engine and electrical damage coverage but not wear and tear. Additionally, labor costs are covered, so you will not have to pay a dime if you need a complicated repair or replacement. You should also check third-party schemes since insurance companies underwrite warranties. You are always better off getting your extended warranty directly from the manufacturer.

What Isn’t Covered?

It is not possible to use your extended warranty for general car maintenance. Many manufacturers do not cover everyday wear and tear parts such as brake pads, clutches, suspensions, and even some electronics. The warranty does not cover paint issues, rust, upholstery, or other factors that wear out over time. Extended warranties do not cover service performed outside the approved service center, accessories added after the warranty period, electrical modifications, paint scratches, accidental damage, floods, earthquakes, and rodent infestation. It’s always beneficial to buy an extended warranty, especially if you intend to keep your car for a long time. Some parts and faults are not covered, but what you get is a lot. The premium may be expensive, but it can save you a lot at the end of the day or help you sell your car for more money.

Buying It

You can get an extended warranty from the manufacturer or dealer. There may also be better options available from third parties. You are likely to find a better deal if you buy the extended warranty at the time of purchase. Make sure you find out the time limit if you’re not sure and want to think about it for a while. Extended warranties are usually available before the standard contract expires, but some manufacturers have a deadline. Also, look carefully at the coverage scheme before purchasing an extended warranty. The salespeople will entice you with tempting deals, but make sure the warranty covers enough.

[petnews2day]

Dogs and cats behind more than 6,000 insurance claims

New Post has been published on https://petn.ws/v6NMB

Dogs and cats behind more than 6,000 insurance claims

Dogs and cats have been behind more than 6,000 insurance claims by their owners over the past five years, according to an insurance giant. Windows, carpets, sofas and electrical gadgets such as laptops, tablets and phones, have all been damaged due to pets, Aviva said. Claims include a dog who headbutted and smashed a window […]

See full article at https://petn.ws/v6NMB #DogNews #AccidentalDamage, #Aviva, #DogsAndCats, #InsuranceClaims, #InsuranceGiant, #MotorClaims

[die2mrw007]

5 Tips For Protecting Your Tablet In an age where we can connect to the internet pretty much anywhere and carry our entire business and personal lives around with us on a device smaller than a size of A4 paper, it is only prudent to consider how to protect that device. Protec...

[chrissacooper]

custom fashion after a glass of wine after midnight might not've been my best idea #loloops #thestruggleisreal #accidentaldamage #promiseiwasntcuttingagain #donttrythisathome

[youraccidentteam]

Your Accident Team is here to help you recover the costs of unexpected medical expenses due to accidents in Ontario. Protect your family and know how much your accident is worth. Visit us now to learn more about medical expense recovery in Ontario and get the help you need to navigate the process. Our experienced team of legal professionals can assist you in getting the compensation you deserve for your medical expenses, lost income, and other damages. Don't let an accident leave you with financial burdens - contact Your Accident Team today to get the support you need.

[fincrew]

The safety of expensive gadgets like laptops, computers, and mobile phones is paramount in the digital era when more people are buying such items. There is a one-year warranty provided by manufacturers and covers only manufacturing defects. Thus, if a gadget is lost or stolen, you may have to pay out of pocket or purchase a new one. Therefore, people prefer to insure their devices to ensure their safety.

What Is Gadget Insurance?

Gadget Insurance offers protection against various gadgets’ damage, loss, or theft. For example, smartphones, laptops, tablets, games consoles, digital cameras, e-readers, and even fitness trackers and sat navs. Given the cost of many of these devices, replacing them on your own can be difficult, so many people opt for a replacement policy.

Do you need Gadget Insurance?

Your situation determines whether you need gadget insurance. Here are some questions to ask yourself:

If your gadgets were damaged or lost, could you afford to replace them?

Is the warranty still valid on your devices?

Do you have any experience with losing or damaging devices?

Is your home insurance already covering your gadgets?

You can get gadget insurance for just a little money a month if you are accident prone or use your gadgets on the go.

What Does Gadget Insurance Cover?

Insurance companies vary in what they cover, except for the following:

Theft, which includes replacing stolen goods

Loss, which covers accidental loss of your gadgets

Coverage for mechanical breakdowns of your gadgets

Damages, including drops, cracked screens, and other breakages

Damage caused by liquid spills, also known as liquid damage

Worldwide coverage, which covers you for up to 90 days anywhere in the world

What Is Not Covered In The Gadget Insurance Policy?

Your policy might cover some of these, but most gadget insurance does not:

Before your insurance begins, you suffer damage or losses

Devices not listed on your policy

The manufacturer’s warranty already covers damage

Loss or damage to your gadget as a result of not taking proper care of it

You must pay your policy excess for each claim you make

If you buy cover for non-new or refurbished devices, there are no manufacturer warranties

Scratches, dents, or other cosmetic damage

Your gadget’s contents, for example, photos, software, music, or downloads

Can The Replacement Cover Be Replaced With A New One?

A replacement policy is not a new policy but rather a policy intended to replace the existing one. This policy aims to return you to your position immediately before the loss or damage occurs. We will replace the electronic gadget with one of comparable specification or equivalent value, considering the original electronic gadget’s age and condition, if not replaced with an identical electronic device of the same age and condition. If you request a replacement electronic gadget, we cannot guarantee that it will be the same colour as your original gadget.

Do I Already Have Coverage For My Gadgets?

A separate insurance policy may already cover your gadgets. For example, some homeowners’ insurance policies provide protection, such as protection against accidental damage or damage caused outside the home. Still, if you have several high-value devices, the coverage may not be sufficient, and you may not have coverage against damage caused by outside factors. Sometimes the excess can be excessive, which means it’s not worth claiming. Nevertheless, you may still want to check if you’re covered elsewhere; read the fine print to ensure the coverage will be adequate, and if not, you may wish to look for a separate policy.

There will almost always be a warranty included with electronic devices, but typically this will be for a short period and will only cover mechanical failure. In case you face an unexpected cost for repairing or replacing your device, you may want to invest in a basic policy that will cover things like accidental damage.

You can quote the insurance premium for your gadget at Fincrew gadget insurance now.