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Theresa Said:

If your car slips on ice and you have an accident, does your insurance cover it?

We Answered:

That would fall under comprehensive. So if you have full coverage, then it would.

Alfredo Said:

If you spilled paint on your rugs will your insurance cover it?

We Answered:

An accidental spillage of paint or any other substance is normally covered under most homeowner policies when the spill damages the dwelling. This is a fortuitous event and not specifically excluded under most policies. If by 'rug' you mean a true rug and not wall to wall carpeting then most policies would not cover such an occurance as most policies are named peril for personal property including rugs. I've handled claims in many states and can't recall a policy that specifically states spillage of paint as a covered peril. As for the cleaning, as a former Insurance adjustor unless the cleaning is performed immediately and by a professional using a truck mounted extractor the paint would not be totally removed.
Now it is true that your deductible would apply in this instance but there would also be a percentage of depreciation applied to your loss and in most cases the depreciation is not refundable even with the 'Replacement cost endorsement'.

Alice Said:

How do you know if your insurance will cover a rhinoplasty?

We Answered:

Take your insurance coverage to a surgeon and ask him. He will tell you straightaway.
I Cr 13;8a

Justin Said:

Has anyone had a tubal reversal? Did your insurance cover any of it?

We Answered:

Most every insurance I've come across will not cover a tubal reversal.

Generally, tubal reversals have a very low rate of success.

http://en.wikipedia.org/wiki/Tubal_rever…

Marcia Said:

Does your insurance cover your new car purchase?

We Answered:

In Manitoba, if you trade a car in, you have coverage on the new vehicle for 7 days. However, if you trade in a K-Car for a Bentley, and write it off, you will only get $50,000 because your standard policy tops out at $50,000. So, if you trade way up, you need to do a transfer and pay the higher limit fee immediately. If you do not trade a car in, you can get a 7-day sticker from the dealer, which is temporary basic insurance as well as temporary registration.
Every state and province has slightly different rules, contact your own broker to find out specifically.
The state does not give you insurance, by the way. If your insurance company does not give you temporary coverage for a newly-aquired vehicle, then you do not have coverage. Call your agent.