Your Insurance Questions Answered

Covers medical expenses, lost wages, rehabilitation costs, and death benefits for work-related injuries and illnesses.

Compensation for permanent impairment that doesn't completely prevent working, based on disability rating.

Requirements vary by state but generally apply to businesses with employees. Some states exempt very small employers.

Based on payroll, job classifications, industry risk factors, and claims history (experience modification rate).

Generally no, but misclassification of employees as contractors can lead to coverage disputes and penalties.

Employees should report immediately; employers typically have 24-72 hours to notify insurer and state agencies.

Many states cover mental health conditions caused by work, though standards of proof vary.

Point where injury stabilizes and no further significant recovery expected, affecting benefit calculations.

A factor based on past claims history that adjusts premiums up or down compared to industry average.

Varies by state; some allow employee choice, others require using approved provider networks.

Doctors assign percentage ratings to permanent disabilities, affecting benefit amounts and duration.

Modified work accommodating medical restrictions during recovery, often part of return-to-work programs.

Covers work-related injuries at home office, though determining work-relatedness can be complex.

Prevents employees from suing employers for covered injuries, with some exceptions for gross negligence.

Through state workers' compensation boards or commissions, with specific procedures for appeals.

Benefits while completely unable to work during recovery, typically paying percentage of normal wages.

Yes, covers diseases arising from work conditions, though may require proving work-related causation.

Covers injuries during business travel, but usually not regular commuting unless special circumstances apply.

Each state has unique requirements for coverage, benefits, claims procedures, and dispute resolution.

Provides surviving dependents with ongoing benefits and funeral expenses for work-related deaths.

Liability Insurance: Covers damages and injuries you cause to others in an accident. Full Coverage: Includes liability insurance plus collision and comprehensive coverage for your own vehicle.

Auto insurance is a contract between you and an insurance company that provides financial protection against losses from accidents, theft, or other incidents involving your vehicle. It covers property damage, liability, and medical expenses, depending on the policy.

Full coverage typically refers to a combination of liability, collision, and comprehensive insurance. It covers damage to your vehicle, damages you cause to others, and non-collision incidents like theft, vandalism, or natural disasters.

Collision coverage pays for repairs or replacement of your vehicle if it's damaged in an accident with another vehicle or object, regardless of who is at fault.