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Welcome to Ray Hammersley© ; Insurance
Welcome to our site.

Insurance is one of the most needed of all services since it helps us manage day to day risks.


Insurance may not only cover life and health it also covers other things that are important in our everyday lives.

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Advisory

Your Car
› 10 Most Expensive 2006 Cars & Trucks to Insure
› Nine ways to save on your auto insurance policy
› Auto insurance basics
   
Your Home
› Twelve ways to save on your homeowners insurance
›

Home insurance basics

   
Your Life Insurance
› Life insurance basics
› Being overweight carries life insurance pains
   
Your Health
› Health insurance basics
› Tips for buying individual health coverage
› The basics of short-term health insurance
   


21st century automobile insurance offers

Why must I list all household members if they do not drive my car? For 21st century automobile insurance offers purposes, all family members of driving age who are residents of the household must be listed on your 21st century automobile insurance offers or Drive policy to protect both you and us. In some states, exclusions are available for family household residents who do not require coverage.


Who do you consider to be a family member? A family member is any immediate or extended family member of driving age. This includes parents, children, siblings, grandparents, aunts, uncles, cousins, foster children, in-laws and stepfamily members.

Who are household members who do not require coverage? Household members who do not need to be included are non-family household residents who do not drive the vehicle.

What is your definition of an accident? 21st century automobile insurance offers accidents include at-fault, not-at-fault, reported and unreported collisions that you, as the driver, were involved in. Not at fault occurrences in which your parked vehicle was damaged in a collision also are considered accidents.
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