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Fall off Tator and break shoulder- health insurance
While riding one day, Tator as always starts bucking after a jump but I lose my balance and fall off into the fence... again
Factors that will affect my rate:
~ how many x-rays needed
~ cost to fix it
~ history
~ likely of me getting hurt -
Hit a deer - Auto Insurance(comprehensive)
While driving at night, a deer runs out in the road and I am forced to hit it, the front end of my car is dented and a crack in windshield
Factors that will effect rate:
~ how bad the damage is
~ driving history -
Tator colics and needs treatment - Pet insurance
One morning I notice Tator is colicing so I call in the vet. His treatment is pretty expensive and will be easier to pay through pet insurance.
Factors that may influence my rate:
~ how often i ride Tator (higher risk for injury).
~ how old Tator is
~ His medical history (has he coliced before) -
Rear ended at stoplight - Auto Insurance(collision)
While sitting at a red light, the car behind me does not stop and hits the back of my car
Factors that will affect rate:
~ how bad the hit is, cost to fix dent
~ likelihood of me getting hit, maybe size of car
~ history -
Room Floods- Renters insurance
While at class, a pipe bursts in my apartment and when i go home, i find that it is flooded and all my belongings near the ground are drenched. Renters will help protect my belonging.
Factors that will influence my rate:
~ how old the apartment is
~ how many people are living in it
~ how often i fix things myself
~ has there been any previous complications in this apartment
~ my history as a renter -
Break leg while working- Workers Compensation Insurance
One day while working (veterinarian), a horse kicks me in the leg. Workers compensation insurance, offered by the company i work at, will help pay the costs.
Factors that may influence my rate:
~ how high of a risk there is with my employment (being a veterinarian)
~ if i have gotten hurt on the job before
~ how long i will be off work -
Go on vacation- Travel insurance
Luggage gets lost on flight... need travel insurance
Factors that will effect rate:
~ length of trip
~ cost of trip
~ amount of luggage -
I back into car- Auto insurance (bodily and property damage liability)
When leaving the parking lot one day, I back right into another person car... I am at fault. Their car and mine have some dents but no one was injured. I use bodily and property damage liability auto insurance because it will cover repairs from damage I caused to the other persons car.
Factors that will affect my rate:
~ How often I cause accidents
~ state of accident (how bad is it)
~ my age
~ type of car -
Buy a house - Homeowners insurance
After graduating and keeping a stable job for long enough, I decide to buy a house of my own. I get homeowners insurance in the event that something happens to my new home.
Factors that may affect my rate:
~ Size of house
~ my history as a homeowner or renter
~ how old is the house/ how likely is it that something will happen, like a break -
Get a new horse- pet insurance
I decide to get a new horse that is a good jumper. I get pet insurance so that if anything ever happens to him, the cost will not be as hard to pay.
Factors that may affect my rate:
~ How the horse is (is it likely to get hurt or sick)
~ Where the horse is living
~ How often i will be working with it
