Vendredi 22 Juin 2018 : Suivez en DIRECT le Journal "PREMYE OKAZYON" en DIRECT sur caraïbes FM - Les grand points qui dominent l'actualité | LIVE !
Vendredi 22 Juin 2018 : Suivez en DIRECT le Journal "PREMYE OKAZYON" en DIRECT sur caraïbes FM - Les grand points qui dominent l'actualité | LIVE !
VIDÉO : Le père de l'enfant réagit- Voici la VIDÉO ci-dessous...
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Loans and Car Insurance Coverage
New Jersey's SAIP insurance policy is incredibly limited in the coverage it provides and doesn't meet the minimum requirements for most drivers. The dollar a day policy only covers:
- Emergency treatment, such as ER care, for the policyholder immediately after an accident. Additional medical treatment for critical brain and spinal cord injuries to the SAIP policyholder are also covered. The policy limit for medical coverage is $250,000.
- If you die in a collision, there's a $10,000 death benefit that would be paid to your family. This is approximately the cost of a typical funeral.
The limited coverage of dollar a day car insurance policy means that it's unlikely to offer any coverage to you as the policyholder in most accidents. Instead, you would be responsible for the costs of:
- Any ongoing and nonemergency treatments that don't apply to your brain or spinal cord. You can request coverage through Medicaid, but you would have to navigate the process yourself.
- All injuries to other parties involved in an accident where you were at fault. If another driver or injured party sues you, your SAIP insurance would not assist with any legal costs.
- All damage to others' property in an accident where you were at fault.
- Any damage to your own vehicle or other property, no matter the cause.
Since the only people eligible for SAIP car insurance are on Medicaid, meaning those in particularly low-income families or with disabilities, it's likely you would have trouble affording any of these costs if involved in an accident. We recommend that you consider an alternative auto insurance policy, such as New Jersey's Basic or Standard policies, if at all possible.