When planning for the holiday season, the State Corporation Commission’s (SCC) Bureau of Insurance reminds Virginians to check with their insurance agent or company to make sure they have the insurance coverage they need in the event of an illness or mishap.
With all of its shopping, traveling, cooking, decorating, and entertaining, the holiday season carries a variety of risks that can impact your insurance coverage. “Don’t let a lack of insurance coverage spoil your holidays. Review your insurance coverage before the unexpected happens,” said Virginia Insurance Commissioner Jacqueline K. Cunningham.
If you are planning a holiday trip, find out what your health insurance will cover if you get sick and end up in an urgent care facility or hospital while you are out of state. Remember to take with you on your trip health insurance information for all family members, including identification cards and contact details.
During the holidays, use extra caution to keep your home, vehicle, and personal information safe. Know how much your auto and homeowners insurance will cover if someone steals gifts, decorations, or other items from your vehicle, home, or yard. Make sure you understand any deductibles or coverage limits that may apply.
As the New Year approaches, the holidays are a good time to update your home inventory. This will help you ensure your homeowners or renter’s policy provides enough coverage for your belongings. Separate coverage may be needed for high-cost items such as jewelry, art, or electronics. The National Association of Insurance Commissioners’ free smartphone app – myHome Scr.APP.book – makes creating a home inventory quick and easy. This app is available through iTunes and Google Play.
Distracted drivers and severe winter weather can make holiday driving a challenge. Before you go dashing through the snow, make sure your auto insurance policy meets your specific needs. Check your liability limits to ensure you have adequate protection against injury or damage if you are involved in an accident during the hectic holiday rush. Know what to do if an accident occurs. Keep your insurance company’s contact information and a copy of your insurance card with you when you drive.
Understand your rights and responsibilities if someone steals your credit card information or other personal information while shopping for holiday gifts online or in stores.
For information about a variety of insurance-related topics, contact the Virginia Bureau of Insurance in Richmond at (804) 371-9741 or toll-free at 1-877-310-6560 or visit its website at www.scc.virginia.gov/boi. Additional information also may be found on the InsureU portion of the National Association of Insurance Commissioners website at www.insureuonline.org .