Image: Gorodenkoff, Adobe Stock
by Leo Gonzales
An alignment service for a vehicle is not included in an accident insurance plan because it is often included as a service after an accident – because it is only included in accident insurance and not a life or health plan, it’s important to know how to move the service from conditional to a standalone option offered on any given day.
Although insurance can be organized to include accident, health and life, only including accident insurance in a personal portfolio can easily guide one to what individual provisions, options and riders are available as well as how each could be in the way under certain agreements. This process eventually widdles down the availability of an alignment service under certain contracts and policies. Here are three available agreements in order of level of difficulty to breach.
Adhesion Policy – Easy
A policy is a written work between the insurance company and the insured. The policy is what is between the company and the insured, and an adhesion policy is a type of policy. An adhesion policy is a type of policy where there is an imbalance of power between the two parties, or one party has more power over the other. A creative solution for how to work an alignment service into an adhesion policy is to understand that it is the easiest of the three following contract/policy plans to insert said solution into.
Entire Contract – Normal
The entire contract provision is a legal statement that ensures the written document is the final and complete agreement, entire contract, between the parties involved. This provision is one that is slightly more difficult to breach in terms of getting an alignment service that doesn’t require an accident to incur beforehand but only because the provision defines the entire agreement. Options and riders can be included, then the entire contract is redefined.
Aleatory Contract – Difficult
An aleatory contract is often paired with an accident insurance plan because you’re not getting an alignment service until you’re in an accident and the nature of an aleatory contract is that it is at a take it or leave it offer. Although it’s not exactly what it is, in-network providers make compatibility to sweet of an offer to consider. This, on another hand, makes it the most difficult agreement to breach, because you’d have to convince your agent or policy holder that it should be a service on any given day.
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