what is aoa and aoy in insurance?
here is the answer for the question what is aoa and aoy in insurance?. ask sawal is a question answer discussion forum. here you can find answers for more than 5 million questions.
aoa means any one accident, which may include one or more, or a series of claims arising out of the same cause or error or omission relating to professional service. aoy means any one year.
"the other insurance company is only offering to pay $15,000 because that is what the other driver's coverage limit is. in a situation like this, typically [uninsured/underinsured motorist coverage](https://getjerry.com/car-insurance/uninsured-motorist-coverage) or [collision coverage](https://getjerry.com/car-insurance/collision-insurance) on your own policy would cover this. 

however, most [car insurance](https://getjerry.com/car-insurance) carriers require that anyone who drives the vehicle be listed on the policy as a driver. while insurance does often follow the car, carriers can deny a claim if a household member, or full-time driver, is not listed on the policy or is excluded from coverage. 

it's extremely important to always list anyone who frequently drives the vehicle. insurance carriers base their rate on this and it will ensure your vehicle is always protected, regardless of who is driving. 
" So you have Airplanes and Airports, but the Airplanes could have multiple attributes. Some of these attributes are mutual exclusive and some are shared.



Question... Do both military and civil plane consist of cargo and passenger types? Not sure about what you said above. "in most cases, when a [car insurance company](https://getjerry.com/car-insurance) makes a medical settlement, they will send the check directly to the *victim*, even if they make it payable to the hospital or medical provider as well. 

it's up to you to make sure you use this money to cover your medical expenses. once a claim has been settled, your insurer won't make additional payments. 

if you want additional medical support, consider adding [medpay](https://getjerry.com/car-insurance/medical-payments-coverage-medpay) (medical payments coverage) to your policy." 

**more**: [types of insurance](https://getjerry.com/car-insurance/types-of-car-insurance) an annuity is a form of insurance that gives an individual the right to receive a certain amount of money over a particular period of time, usually for the rest of one's life. people usually go for an annuity to plan for their future, if you have hired help, it is crucial to talk with your agent about what you are and are not covered for. this can be different in every state and every situation. 

for example, if the babysitter you get from time to time is hurt on your property, your policy will cover this. however, if you directly employ a full-time nanny, they may not be covered since in some states, you would be required to provide workers’ compensation insurance. 

also, there can be a difference depending on whether you directly hire someone or if they are part of an agency that you contract through. usually, if your employee is part of an agency, they will already have insurance with that company. 

as you can see, there are a lot of potential scenarios to consider, and it would be best to speak with your insurance agent. this is a situation where most people are not adequately protected. "when you don't pay your [car insurance](https://getjerry.com/car-insurance) bill, your coverage can be canceled. without insurance, you won't be covered in the event of an accident. this means that you would be responsible for any damages or injuries you cause.
 
if you don't pay your bill, you could also face higher rates with insurance carriers down the road. carriers look at your prior insurance history when deciding on your rate. if they see that you had a policy canceled for non-payment, you could face higher rates than someone who pays for their car insurance on time.
 
if cost is an issue, you should shop around. you can request [car insurance quotes online](https://getjerry.com/car-insurance/car-insurance-quotes-online) to find the best price for the coverage you need.

if you’re shopping for car insurance, [jerry](https://getjerry.com/signup) will generate competitive quotes from top providers in less than a minute. " The answer can be complex depending on what your grandmother is willing to do/accept. Does your grand mother have Power of Attorney for his medical care and finances???? Is your grandmother willing to put her health and marriage first?? If not, it gets very complicated.  
  
1)The Area Agency on Aging is in every county in the USA. She can contact them to come out to evaluate your great grand father for his needs. They offer help with various situations. It is based on income level.  
  
2)Having a Power of Attorney (POA) is a necessity to make legal decisions for another persons medical/finance.  
  
3) If your grandmother does not have a POA and your great-grandfather refuses to get one, there is only one way that I know about to help your grandmother, but only if she is willing to be very strong against her father.'  
  
She can take her father to the ER for medical issue. Then she would have to be very strong to say, "I cannot take care of him." What happens, is the state steps in and he would be placed in a facility if it is determined he cannot take care of himself. Many of had to do this, it sounds drastic, but sometimes it is the only solution when the caregiver is having their own health issues to take care of. The hospital will pressure your grandmother so she will have to stand her ground.   
  
Maybe someone else will have more to offer you than I do. Good luck, and I hope something can be done. an alloy is combination of a metal and a non metal. so it has partial characteristics of metal and non metal. being analloy the ions it it are randomly arranged. it does not have a specific arrangement of ions. hence the flow of electrons in this is more. the this feature of alloy leads to increase in resistivity due to free crystal lattice. we know that metals have high melting point but an alloy has low melting point beacause the presence of a non metal in it behaves as an impurity and restricts in raising to high melting point. due to high melting point the it takes a lot of current to melt and leads in slow movement of electrons which makes the device less efficient. therefore electronic device requires the metal of low melting point. an alloy plays the best role in the elctronic device like electric iron and heater. Caravan Guard policies have the benefit of being underwritten by a leading UK insurer, RSA – this means that if you ever have to make a claim, RSA’s specially trained team will take care of things and pay out any settlement.


Caravan Guard also have a Claims Liaison team who are available to support you through your claims journey with RSA. having add could disqualify you with some departments, but not all. i think this greatly depends. some would consider it a liability issue.