So as was stated in the other thread on 2017 renewals.
Make sure you CHECK your coverage!!!
The government has again had us bend over for the sake of the insurers. The following reductions take place if your policy renewed in late 2016 or of course 2017.
Comprehensive deductible: If you previously had $300 as your selected deductible this is NO longer an option you are automatically bumped to $500.
Tort Deductible: If you have to sue your insurer, (or the other party for injuries), your deductible is now $36,905.40. This means that if your award is $100,000 the INSURER gets to keep the first $36,905.40, then of course you have to pay your lawyer, (typically 35% so $35,000) leaving you with a whooping $28094.60!!!
Medical and Rehab for NON catastrophic injuries: USED to be $50,000
Attendant Care for NON catastrophic injuries: USED to be $36,000
They are NOW combined and capped at $65,000 TOTAL (doesn't give you break down of how much is for each benefit).
(These are injuries that are NOT ruled to be Minor, under the Minor Injury Guidelines, or MIG), those are still capped at $3,500. So if you suffer longer term injuries then YOU have to fight the insurer via mediation to get yourself removed from the MIG, otherwise you get $3,500 total treatment. Even if your "lucky" enough to get past the MIG, still expect to spend countless days and hours, going to "assessments" by their doctors, (so they can tell you despite what your doctors and therapists say, that your healed and your benefits are now denied)!!!!
Medical and Rehab for catastrophic injuries: USED to be $1,000,000
Attendant Care for catastrophic injuries: USED to be $1,000,000
They are NOW combined and capped at $1,000,000 TOTAL, (again doesn't give break down as to the limit for each benefit).
Now the "good news is you can buy "additional" coverage for the injury benefits which will get you BACK to the previous level. In my case that is an additional $44.00 per year, (which ironically is LESS than the tiny premium reduction they told me I got for this year)..lol
Now you may say, well $50,000 is plenty, but if you need ANY sort of long term care or alterations to your house etc, that $50,000 doesn't go far at all. With just a broken ankle and broken collar bone less than 9 months ago, I have already used up approx $29,000 with the surgeon saying I may need further surgery down the road! They have also said I could easily need physio and other treatments for another 24 months.
So before you leap for joy at the SMALL decrease in your premium check your coverage!!!
Trust me as someone, who has been dealing with two claims for upwards of two years now, You will NEED to fight EVERY step of the process, only to be constantly told that they, (who have never met or seen you), know better...lmao
Make sure you CHECK your coverage!!!
The government has again had us bend over for the sake of the insurers. The following reductions take place if your policy renewed in late 2016 or of course 2017.
Comprehensive deductible: If you previously had $300 as your selected deductible this is NO longer an option you are automatically bumped to $500.
Tort Deductible: If you have to sue your insurer, (or the other party for injuries), your deductible is now $36,905.40. This means that if your award is $100,000 the INSURER gets to keep the first $36,905.40, then of course you have to pay your lawyer, (typically 35% so $35,000) leaving you with a whooping $28094.60!!!
Medical and Rehab for NON catastrophic injuries: USED to be $50,000
Attendant Care for NON catastrophic injuries: USED to be $36,000
They are NOW combined and capped at $65,000 TOTAL (doesn't give you break down of how much is for each benefit).
(These are injuries that are NOT ruled to be Minor, under the Minor Injury Guidelines, or MIG), those are still capped at $3,500. So if you suffer longer term injuries then YOU have to fight the insurer via mediation to get yourself removed from the MIG, otherwise you get $3,500 total treatment. Even if your "lucky" enough to get past the MIG, still expect to spend countless days and hours, going to "assessments" by their doctors, (so they can tell you despite what your doctors and therapists say, that your healed and your benefits are now denied)!!!!
Medical and Rehab for catastrophic injuries: USED to be $1,000,000
Attendant Care for catastrophic injuries: USED to be $1,000,000
They are NOW combined and capped at $1,000,000 TOTAL, (again doesn't give break down as to the limit for each benefit).
Now the "good news is you can buy "additional" coverage for the injury benefits which will get you BACK to the previous level. In my case that is an additional $44.00 per year, (which ironically is LESS than the tiny premium reduction they told me I got for this year)..lol
Now you may say, well $50,000 is plenty, but if you need ANY sort of long term care or alterations to your house etc, that $50,000 doesn't go far at all. With just a broken ankle and broken collar bone less than 9 months ago, I have already used up approx $29,000 with the surgeon saying I may need further surgery down the road! They have also said I could easily need physio and other treatments for another 24 months.
So before you leap for joy at the SMALL decrease in your premium check your coverage!!!
Trust me as someone, who has been dealing with two claims for upwards of two years now, You will NEED to fight EVERY step of the process, only to be constantly told that they, (who have never met or seen you), know better...lmao