Advice Pool - Insurance

What is car insurance? Car insurance is essentially insurance that covers you, your passengers, and your car in case of an accident. Most states

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

require that car owners carry liability coverage in their car insurance policy. Liability insurance covers expenses incurred for damaging anothe

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

r vehicle with your own when you are at fault. This means that if you are in a vehicular accident and your car caused the damage, then the liability pie

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

ce of your car insurance will cover the damages according to the terms of your policy.

Your car insurance premium (cost) is made up of several different

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

factors. Those include your age, driving record, gender, vehicle type, vehicle age, geographic location, number of miles you put on your vehicle yearly,

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

the deductibles (collision and comprehensive), etc.

What is collision coverage? Collision coverage is the portion of your car insurance that wi

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

ll pay you to repair or replace your vehicle in the case of a covered accident. What is comprehensive coverage? Comprehensive coverage is the po

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

rtion of your car insurance that helps pay for damages to your vehicle that are incurred as a result of situations such as weather, theft, and vandalism.

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

As with all insurance, car insurance policies carry a deductible. The deductible amount is the portion of the claim that you as the policy holde

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

r are responsible for paying. For example, if you carry a $250 collision deductible and you cause a wreck that requires $1000 worth of repairs to your v

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

ehicle, then you will pay the first $250 and the car insurance company will cover the remaining $750. Car insurance costs go up as you lower your deduct

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

ible. If you are willing to carry a higher deductible, then your car insurance will be less expensive.

Another item to keep in mind is that as your car

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

ages and its value declines your car insurance premium will decrease in price. This assumes that you keep a good driving record and do not get an

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

y tickets or get in to any accidents. Also, as you car gets older you can reduce the amount of coverage that you have in your car insurance policy. Man

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

y people believe there is no need to carry anything more than liability coverage on a car that is old and not worth much anyway. It is always up to you,

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

but it is definitely something to consider.

Car insurance is typically charged at a six month rate. This allows you and the car insurance company to m

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

ke adjustments a couple times a year. You can pay the premium of your car insurance once every six months or you can break the payments up in to a sched

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

ule that is more suitable to you. Many people make payments once a month. Keep in mind that car insurance companies are willing to let you do monthly p

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

ayments, but they charge a higher rate on a month-to-month payment than they do for the six month total. For example, your six month rate may be $600, b

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

ut if you make monthly payments, then you are charged $120 per month.

There are several companies that offer car insurance so you have plenty of choices

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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Advice Pool - Car Insurance Basics: The Basics of Car Insurance Made Easy

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