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February 26, 2010  
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  Insurance Advisors Hot Topics
 

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Insurance Advisors Terms


  > Health Maintenance Organization (HMO)
Managed-care insurers — known generally as HMOs — use a primary care physician as a gatekeeper to screen patients and see that appropriate treatment takes place at the lowest level possible. In order to see a specialist or receive specialized care, patients must see the gatekeeper physician first and be referred on.
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  > Basic Hospital
Basic-hospital plans cover only in-hospital (inpatient) care, not other services. This benefit also may be limited to an approved or network facility. Hospitalization in a different facility may qualify for less coverage or none at all.
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  > Automobile
If you own and operate commercial vehicles, you should make sure that your fleet is appropriately insured. If business use of a vehicle is minimal and limited to your personal vehicle, the necessary coverage can probably be included in your personal policy. Best bet: Check with your agent to be sure.
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   Get a Quote - Kentucky Car Insurance Policy Advisor
Get a Car Insurance Quote

Safeguard your automobile investment! Kentucky auto insurance protects against unexpected collisions with your vehicle and also provides medical payment, along with pain and suffering compensation for you and any passengers in the car.

Get a quote today and get the auto insurance coverage you need! Contact one of our Kentucky Auto Insurance Advisors today.

Kentucky auto insurance coverage advantages and protections include:
  • Automobile investment protection
  • Kentucky Gap Insurance
  • Medical expenses payment
  • Prevention from additional accident lawsuits
  • Kentucky Uninsured drivers insurance
  • Kentucky Underinsured drivers insurance
  • Vandalism or natural disasters

Accidents do happen! Every state requires different amounts of insurance that a driver must purchase to cover the other vehicle in case of a car accident. If your have a lien against your vehicle, the lender will require Kentucky auto insurance for their loan. Discuss your insurance options today; not all auto insurance coverage is the same.

Other Additional Kentucky auto insurance services include:

  • Roadside Assistance
  • Emergency Travel
  • Identity Theft Services

From liability coverage to comprehensive coverage, it is important to purchase the best car insurance at the right price to save money and to protect your investment. Kentucky auto insurance provides the protection needed in at fault collisions and not at fault accidents.

Get a quote today and get the auto insurance coverage you need! Contact one of our Kentucky Auto Insurance Advisors today.

 

Contact our Kentucky Insurance Advisors


If you live in the following cities and need an Insurance Advisor or to get a quote, you should contact our Kentucky Insurance Advisors today:

  • Ashland
  • Bardstown
  • Berea
  • Bowling Green
  • Campbellsville
  • Corbin
  • Covington
  • Danville
  • Elizabethtown
  • Erlanger
  • Florence
  • Frankfort
  • Ft Mitchell
  • Georgetown
  • Glasgow
  • Henderson
  • Hopkinsville
  • Latonia
  • Lexington
  • Louisville
  • Madisonville
  • Mayfield
  • Morehead
  • Murray
  • Newport
  • Nicholasville
  • Owensboro
  • Paducah
  • Pikeville
  • Radcliff
  • Richmond
  • Shelbyville
  • Shepherdsville
  • Versailles
  • Winchester
       
 
Did You Know?    
 
 
There are several areas of risk that you should consider if you operate a business in your home.
These include: Business-related personal property coverage (computers, furniture, etc.) Inventory Off-premises coverage for business-related personal property Business property of others accounts receivable (up to a specified limit) Liability coverage may include personal injury, products and completed operations, incidental contractual liability, and general commercial liability. Electronic data processing coverage Valuable papers Business interruption and extra expense

 
 
Kentucky External Sites    
 
 

Kentucky
KENTUCKY CAREER AND TECHNICAL STUDENT ORGANIZATIONS OPERATIONAL GUIDELINES HANDBOOK ... Accident insurance for members and advisors attending a Leade
Kentucky
KENTUCKY CAREER AND TECHNICAL STUDENT ORGANIZATIONS OPERATIONAL GUIDELINES ... Local advisors shall be responsible for supervising students attending

 
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Latest News
  Latest Insurance related news in Kentucky and nationwide: Mar 02, 2007 - Group Insurance Coverage
Most Americans get health insurance through their jobs or are covered because a family member has insurance at work. This
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Mar 02, 2007 - Keep Health Coverage After A Job Change
Most individuals go through a number of life events that affect their health benefit needs and the choices they make. Ther
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Mar 02, 2007 - Growth In U.S. Health Care Spending Slows
Despite the slowdown, the share of household personal income spent on health care rose from 5.4 percent in 2001 to 6 perce
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