$50,000 per person; consisting of the following basic benefits:

• Necessary doctor visits, hospital bills, other health services expenses payable according to the fee schedule adopted by the New York State Insurance Department.
• 80% of lost earnings up to the maximum $2,000 per month, for up to three years after the date of the accident.
• Up to $25/day, for a year, for other reasonable and/or necessary expenses the injured party had to incur because of this accident. Also, costs incurred for hiring a housekeeper or necessary transportation to and from a health provider.

Your insurance company will do this for you. Your policy's subrogation clause enables us to obtain reimbursement from the at-fault party's insurance company for the cost of repairing your vehicle. This is the amount we actually paid out plus your deductible.

When we receive reimbursement from the other insurance carrier, we will send you a check for the amount of your deductible. If the other company accepts 100% liability, we will send you the entire deductible amount. If the other driver involved in the accident is partially liable for the accident, their carrier will pay us a percentage of the collision payment, and your deductible.

You will be reimbursed the percentage of your deductible that we were able to recover.

Trees, plants, shrubs, and lawns are covered only for lightning, fire and vehicle damage (only if the vehicle was driven by a non-resident of the household). If a tree is knocked down by wind or weight due to snow and ice, the tree replacement is not covered. However, up to $500 is available to remove the fallen debris that has caused damage to the house, garage, shed, fence, or other covered property.

There is coverage for these items, unless they are in the vehicle and are able to run from the vehicle's electrical system.

Only vehicles not required to be licensed for road use and solely for the maintenance of the premises.

Lien holders, mortgagees, and additional insured's have a financial interest in the property that is damaged. Under the terms of your policy, they share an interest with the named insured.

Yes. Most seepage losses resulting from the build-up of ice at the eaves are caused by a combination of insufficient attic insulation and insufficient ventilation. As snow accumulates on the roof, insufficient insulation allows heat to escape through the roof. As the heat escapes, the layer of snow immediately adjacent to the roof surface melts and works its way down the roof surface, insulated by the layer of snow above. When the water becomes exposed to the cold air at the eaves, it freezes. As more and more water freezes, ice builds up and forces the water to find a path of least residence (which often times is under your shingles) and, eventually, into the building structure causing damage.

A public adjusting company is a business that will represent you for a fee in presenting a claim to your insurance company. The fee is deducted from any loss settlement paid. These companies are very aggressive in soliciting your business and have no relationship with your insurance agent or insurance company.

Your Independent Insurance Agent and Preferred Mutual work very hard to provide excellent service and settle claims fairly. Therefore, there is no need to hire a public adjusting company and pay them a fee that will be deducted from your loss settlement.