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Passages Malibu Scam Combined Single Limit car Insurance Passages Malibu Scam A combined single limit combines property damage liability coverage and bodily injury coverage under one single combined limit. Passages Malibu Scam For example, an insured driver with a combine single liability limit strikes another vehicle and injures the driver and the passenger. Passages Malibu Scam Payments for the damages to the other driver's car, as well as payments for injury claims for the driver and passenger, would be paid out under this same coverage. Passages Malibu Scam Split Limits car Insurance Passages Malibu Scam A split limit liability coverage policy splits the coverage’s into property damage coverage and bodily injury coverage. Passages Malibu Scam In the example given above, payments for the other driver's vehicle would be paid out under property damage coverage, and payments for the injuries would be paid out under bodily injury coverage. Passages Malibu Scam Bodily injury liability coverage is also usually split as well into a maximum payment per person and a maximum payment per accident. Passages Malibu Scam Vehicle insurance (also known as auto insurance, car insurance, or motor insurance) is insurance purchased for cars, trucks, and other vehicles. Passages Malibu Scam Its primary use is to provide protection against losses incurred as a result of traffic accidents and against liability that could be incurred in an accident. Passages Malibu Scam A Health insurance policy is a contract between an insurance company and an individual. Passages Malibu Scam The contract can be renewable annually or monthly. Passages Malibu Scam The type and amount of health care costs that will be covered by the health plan are specified in advance, in the member contract or Evidence of Coverage booklet. Passages Malibu Scam The individual policy-holder's payment obligations may take several forms[7]: Passages Malibu Scam Premium: The amount the policy-holder pays to the health plan each month to purchase health coverage. Passages Malibu Scam Deductible: The amount that the policy-holder must pay out-of-pocket before the health plan pays its share. Passages Malibu Scam For example, a policy-holder might have to pay a $500 deductible per year, before any of their health care is covered by the health plan. Passages Malibu Scam It may take several doctor's visits or prescription refills before the policy-holder reaches the deductible and the health plan starts to pay for care. Passages Malibu Scam Co-payment: The amount that the policy-holder must pay out of pocket before the health plan pays for a particular visit or service. Passages Malibu Scam The term health insurance is generally used to describe a form of insurance that pays for medical expenses. Passages Malibu Scam It is sometimes used more broadly to include insurance covering disability or long-term nursing or custodial care needs. Passages Malibu Scam It may be provided through a government-sponsored social insurance program, or from private insurance companies. Passages Malibu Scam It may be purchased on a group basis or purchased by individual consumers. Passages Malibu Scam In each case, the covered groups or individuals pay premiums or taxes to help protect themselves from high or unexpected healthcare expenses. Passages Malibu Scam Similar benefits paying for medical expenses may also be provided through social welfare programs funded by the government. 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