Things To Do In Philly During Covid, Cooper Medical School Wiki, Map Of Thailand Islands, 14 Day Weather London, Ontario, Period Meaning Slang, Thai Casuarina Nsw, Christmas Movies 1950s, Mid-america Gastro-intestinal Consultants, Nypd Academy Pay, Country Inn, Udaipur, Youth Volleyball Cleveland Ohio, Intense Stare Attraction, " />

allstate benefits accident coverage

24-Hour Group Voluntary Accident 1 (GVAP1) Here’s How it Works Our coverage pays you cash benefits that correspond with hospital and intensive Monday through Friday, Helps protect you and your vehicle if you’re involved in a car accident. When you add Allstate's optional Accident Forgiveness coverage to your auto insurance policy, your rates won't go up after an accident — even if it was your fault. No one plans to have an accident. $2,673.09. *This coverage does not constitute comprehensive health insurance coverage (often referred to as “major Our coverage can help pick up where other insurance leaves off and provide cash to help cover the expenses. That makes it the third-largest auto insurance carrier among the more than 1,400 tracked by Best. Allstate Benefits offers anytime access to your coverage information at your fingertips. Liability Coverage Protects you if you are in an accident and you are held liable for the injury to or death of other people. Accident insurance pays a cash benefit if you’re injured in an accident away from work. You also gain the financial empowerment to seek the treatment needed to get well. to 8p.m. Get Address, Phone Number, Maps, Ratings, Photos, Websites and more for Allstate. 8a.m. Accident coverage from Allstate Benefits provides you with a cash benefit when you undergo treatment for a covered accidental injury – and you can use the money for whatever you wish. We know deciding on benefits is an important task. Feature optional. According to an auto insurance cost study conducted by Nerdwallet in 2020, Allstate is was last on the list between the “Big 4” for car insurance costs for full coverage. The coverage can be used on its own or to fill a gap left by other coverage and the benefits … ... What To Do After A Car Accident: A Step-by-Step Guide ... all situations. The critical illness and accident coverage provided is limited benefit supplemental insurance. Learn about the coverage a car insurance policy offers with helpful articles, videos, tools and more. Most major medical insurance plans only pay a portion of the bills. Allstate Benefits COVID-19 Coverage & Benefits. It can be a whirlwind of emotions if your cat or dog becomes ill or has an accident. Allstate Ride for Hire provides deductible gap coverage for … You also gain the financial empowerment to seek the treatment needed to be on the mend. You're In Good Hands With Allstate. Allstate. At a minimum, you’ll likely need bodily injury liability and property damage liability to meet state auto insurance coverage requirements and help protect your finances if you cause an accident … You have the opportunity to enroll in coverage from Allstate Benefits to help protect your finances from life’s unpredictable events. Allstate knows how much your beloved pet means to you. Allstate Benefits See reverse for plan details ABJ30647X Most major medical insurance plans only pay a portion of the bills. No one plans to have an accident, but it can happen at any moment throughout the day. Accident insurance from Allstate Benefits can help cover some of the unexpected out-of-pocket expenses associated with an accidental injury. Allstate My Account application to manage existing Allstate policies online. In the meantime, here's an overview of coverage options for at-fault accident claims. Accident coverage can help Allstate auto insurance coverage is comprehensive, although it can be expensive compared to insurance from other top providers. At Allstate, for example, you get accident forgiveness by upgrading to a Gold or Platinum coverage plan. Accident insurance from Allstate Benefits pays a cash benefit to the insured for a covered accident or injury and can help pay expenses such as copays, deductibles and treatment. At a minimum, you’ll likely need bodily injury liability and property damage liability to meet state auto insurance coverage requirements and help protect your finances if you cause an accident … pick up where other insurance leaves off. Our coverage options supplement your major medical insurance by helping to pay out-of-pocket expenses, such as deductibles, hospital costs and more when you have an accident, critical illness diagnosis, or short or long-term disability. You have the opportunity to enroll in coverage from Allstate Benefits to help protect your finances from life’s unpredictable events. Allstate Benefits is the marketing name for American Heritage Life Insurance Company, Home Office, Jacksonville FL, the underwriting company for the accident and critical illness insurance and subsidiary of The Allstate Corporation. Call us with questions at Allstate and its subsidiaries claimed 9.97 percent of the private passenger auto insurance market as of June 2015, the most recent data available from data analyst A.M. Best. Your car insurance premium doesn't have to go up just because of an accident. They can also use this cash benefit to help pay for expenses, such as … Helps protect you and your vehicle if you’re involved in a car accident. Pay bills, file a claim, get ID cards, make policy changes and more. In addition to what major medical insurance paid, our accident benefits paid for: Air Ambulance Service $Approved Plan 600 Hospital Admission $ 500 Open Abdominal/Thoracic Surgery $ 1,000 Medicine $ 5 Medical Expenses (surgery) $ 500 Initial Hospital Confinement $ 1,000 3-Day Hospital Stay $ 600 Outpatient Doctor Visit $ 50 Amounts shown are for one unit of coverage. Rideshare insurance: Allstate’s Ride for Hire coverage is an add-on for customers who drive for ride-hailing services such as Uber and Lyft. Affordable Care Act. When purchasing motorcycle insurance, it's important to know that minimum coverage requirements, as well as available options, vary from state to state. Allstate has three tiers of roadside assistance: membership, pay-per-use, and roadside coverage. Types of Coverage from Allstate Car Insurance. In addition to accident forgiveness, you can also receive a discount for every six months you go without having an accident. Allstate Benefits See reverse for plan details ABJ30647X Most major medical insurance plans only pay a portion of the bills. Allstate Ride for Hire provides deductible gap coverage for damage to your vehicle up to $2,500. The Group Voluntary Accident Insurance can pay a lump sum benefit for on-and off-the-job accidents, plus some medical benefits. Depending on where you live, the limits of your entitlement to various benefits, like medical and rehabilitative benefits, may vary. medical coverage”) and does not satisfy the requirement of minimum essential coverage under the Meeting Your Needs The design also offers Allstate is perhaps best known for its auto insurance policies, but the company also offers coverage for your home, business, special events and more. Helps protect you and your vehicle if you’re involved in a car accident. *These policies have exclusions and limitations, may have reductions of benefits at specific ages, Please click on the plan options below to learn more. Coverage subject to terms, conditions, and availability. Helps protect you and your vehicle if you’re involved in a car accident. Coverage may also include: The Benefit Enhancement Rider provides additional coverage that corresponds with many health This option offers discounts to drivers with safe driving records. Please click on the plan options below to learn more. Policy issuance is subject to qualifications. The table below lists the coverages and minimum coverage limits that are required in California. With accident insurance from Allstate Benefits… Allstate offers renters insurance policies that include many of the same coverages as homeowners insurance, including your rental’s contents, expenses incurred if the home becomes uninhabitable, liability protection, and guest medical coverage. Group Accident Insurance Helps cover costs associated with injury treatments Group voluntary accident coverage from Allstate Benefits pays cash benefits for expenses associated with an accidental injury and can help protect hard-earned savings should an on- or off-the-job accidental injury occur. Accident insurance from Allstate Benefits pays a cash benefit to the insured for a covered accident or injury and can help pay expenses such as copays, deductibles and treatment. to 8p.m. For their study, they used national average rates for a full coverage policy for a 40-year-old driver with good credit and a … Coverage may also include: Benefit Enhancement Rider medical coverage”) and does not satisfy the requirement of minimum essential coverage under the Allstate Voluntary Products | Allstate Benefits 1. The actual benefit you or a covered family member receive depends on the amount of coverage you buy. It established a website for consumers in 1996, which was practically the dark ages of the internet. (800) 521-3535 Please review your policy or certificate to check your coverage. Our Individual products may also have similar benefits. All benefits are subject to limitations. Helps protect you and your vehicle if you’re involved in a car accident. Get auto insurance quotes at Allstate.com. Allstate Benefits COVID-19 Coverage & Benefits. Accident coverage from Allstate Benefits provides you with a cash benefit when you undergo treatment for a covered accidental injury – and you can use the money for whatever you wish. ET, Coverage available for the insured or the entire family, Benefits are paid directly to the insured unless assigned to someone else. 24-Hour Group Voluntary Accident 1 (GVAP1) You have the opportunity to enroll in coverage from Allstate Benefits to help protect your finances from life’s unpredictable events. File quick and easy claims securely through MyBenefits. Accident Insurance helps cover costs associated with injury treatments Group Voluntary Accident coverage from Allstate Benefits provides cash benefits for out-of-pocket expenses associated with an accidental injury and can help you protect hard-earned savings should an off-the-job accidental injury occur. Please review your policy or certificate to check your coverage. and may not be available for sale in all states. At a minimum, you’ll likely need bodily injury liability and property damage liability to meet state auto insurance coverage requirements and help protect your finances if you cause an accident … •Allstate and MetLife premiums are lessfor coverage in all categories. At a minimum, you’ll likely need bodily injury liability and property damage liability to meet state auto insurance coverage requirements and help protect your finances if you cause an accident … Terms may vary by state. Allstate car insurance should be at the top of the list for experienced drivers with clean driving records, especially those looking to bundle multiple insurance products with one company. This Schedule of Benefits for the Accident Enhancement Rider applies only to those covered by the rider. Allstate's accident forgiveness coverage ensures your rate won't go up after an accident — even if you're at fault. Allstate Benefits is the marketing name for American Heritage Life Insurance Company, Home Office, Jacksonville FL, the underwriting company for the accident and critical illness insurance and subsidiary of The Allstate Corporation. This option offers discounts to drivers with safe driving records. Accident insurance from Allstate Benefits pays a cash benefit to the insured for a covered accident or ... With 1 accident. We know deciding on benefits is an important task. Accident forgiveness. Accident insurance from Allstate Benefits pays a cash benefit to the insured for a covered accident or injury and can help pay expenses such as copays, deductibles and treatment. Helps protect you and your vehicle if you’re involved in a car accident. benefits@allstate.ca . Accident coverage can help pick up where other insurance leaves off. Most major medical insurance plans only pay a portion of the bills and do nothing to help with regular expenses like rent, loan payments, childcare and groceries. Benefits Representative. The following Group products offered by Allstate Benefits may have COVID-19 related benefits. Coverage designed with you in mind. At a minimum, you’ll likely need bodily injury liability and property damage liability to meet state auto insurance coverage requirements and help protect your finances if you cause an accident … It also covers damage to their vehicle or property. This is a brief overview of the benefits available under the group policy underwritten by Allstate Insurance Company of Canada (Home Office, Markham, Ontario). injury and can help pay expenses such as copays, deductibles and treatment. *These policies have exclusions and limitations, may have reductions of benefits at specific ages, Accident insurance from Allstate Benefits pays a cash benefit to the insured for a covered accident or The critical illness and accident coverage provided is limited benefit supplemental insurance. *This coverage does not constitute comprehensive health insurance coverage (often referred to as “major Allstate: Allstate offers accident forgiveness as an add-on. For costs and complete details contact your Allstate Most major medical insurance plans only pay a portion of the bills and do nothing to help with regular expenses like rent, loan payments, childcare and groceries. After all, some of us are pet owners too! ET, Coverage available for the insured or the entire family, Benefits are paid directly to the insured unless assigned to someone else. Accident coverage can help pick up where other insurance leaves off. Legal. Our coverage can help pick up where other insurance leaves off and provide cash to help cover the expenses. Because accident insurance is supplemental, it pays in addition to other coverage. At a minimum, you’ll likely need bodily injury liability and property damage liability to meet state auto insurance coverage requirements and help protect your finances if you cause an accident … If you quality for discounts, you can find great coverage with Allstate. At a minimum, you’ll likely need bodily injury liability and property damage liability to meet state auto insurance coverage requirements and help protect your finances if you cause an accident … Our Individual products may also have similar benefits. Protection for Your Insurance Rate. Helps protect you and your vehicle if you’re involved in a car accident. You can also cover your eligible dependents. care-related procedures when an accident or injury occurs. The Value to Employers Mi,gates impact of health care reform with improved plan design and cost realloca,on Provides medical plan savings and “bends the cost curve” by promo,ng wellness and preven,on Promotes consumerism, health care accountability and financial responsibility among employees Helps … But, it can happen at any moment throughout the day, whether at work or Not available in every state. You also gain the financial Our coverage can help pick up where other insurance leaves off and provide cash to help cover the expenses. Learn more about accident forgiveness here. We also offer life insurance protection that can help your loved ones pay … We know deciding on benefits is an important task. Our coverage can help pick up where other insurance leaves off and provide cash to help cover the expenses. Legal. Accident coverage from Allstate Benefits provides cash benefits for out-of-pocket expenses associated with an accidental injury and can help protect hard-earned savings should an on or off-the-job accidental injury occur. Condo Insurance. Drivewise is optional. Accident coverage can help Allstate, 13 S Washington Ave, Bergenfield, NJ 07621. With accident insurance from Allstate Benefits, you can gain the advantage of financial protection, thanks to the cash benefits paid directly to you. The value of supplemental insurance is measured during a time of need — an accident, a disabling injury, illness or death. Allstate also offers insurance for your home, motorcycle, RV, as well as financial products such as permanent and term life insurance. Finding the right car insurance for you means staying up to date on California requirements. Accident coverage from Allstate Benefits provides you with a cash benefit when you undergo treatment for a covered accidental injury – and you can use the money for whatever you wish. Call us with questions at Allstate has been an early adopter of technologies. Affordable Care Act. Allstate agents offer supplemental, limited benefit insurance coverage that can help with doctor bills, hospital stays and even some nonmedical expenses if you're dealing with an accident, disability, cancer or critical illness. Allstate also offers insurance for your home, motorcycle, RV, as well as financial products such as permanent and term life insurance. Allstate Benefits (AB) group voluntary accident coverage provides cash benefits for out-of-pocket expenses associated with an accidental injury and can help protect hard-earned savings should an on- or off-the-job accidental injury occur. Monday through Friday, Helps protect you and your vehicle if you’re involved in a car accident. Subject to terms, conditions and availability. Active employees can enroll in or increase the Allstate Accident, Critical Illness and Disability coverage without medical evidence. With accident insurance from Allstate Benefits… Active employees can enroll in or increase the Allstate Whole Life coverage up to $130,000 without medical evidence. Allstate was founded in 1931 by the president of the Sears, Roebuck and Co. as an auto insurance company that sold policies by mail. This is a brief overview of the benefits available under the group policy underwritten by Allstate Insurance Company of Canada (Home Office, Markham, Ontario). ACCIDENT – OVERALL SUMMARY •Overall benefits design favors the Allstate and MetLife coverages, dramatically so when considering the schedule of benefits for top claim types and available election amounts of voluntary AD&D coverage. Accident coverage from Allstate Benefits provides you with a cash benefit when you undergo treatment for a covered accidental injury – and you can use the money for whatever you wish. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. At a minimum, you’ll likely need bodily injury liability and property damage liability to meet state auto insurance coverage requirements and help protect your finances if you cause an accident … Whether an accident or other loss is covered is subject to the terms and conditions of your insurance policy. Most major medical insurance plans only pay a portion of the bills and do nothing to help with regular expenses like rent, loan payments, childcare and groceries. This is a brief overview of the benefits available under the group policy underwritten by Allstate Insurance Company of Canada (Home Office, Markham, Ontario). Classic Car Insurance is not an Allstate product. injury and can help pay expenses such as copays, deductibles and treatment. Insurance feature is not available in every state. Pet Insurance - Pets Plus Us ®. Accident Benefits Covers medical bills, rehabilitation, funeral costs, and loss of income due to disability (not applicable in Quebec). Get auto insurance quotes at Allstate.com. pick up where other insurance leaves off. Most major medical insurance plans only pay a portion of the bills and do nothing to help with regular expenses like rent, loan payments, childcare and groceries. Keep in mind, however, that minimum coverage limits are just a starting point. You're In Good Hands With Allstate. This policy isn’t available in all states. Helps protect you and your vehicle if you’re involved in a car accident. That's why you should always speak to your insurance agent before signing the dotted line on a policy. Accident coverage from Allstate Benefits provides you with a cash benefit when you undergo treatment for a covered accidental injury – and you can use the money for whatever you wish. Coverage may also include: Benefit Enhancement Rider Allstate Benefits offers a robust portfolio of employee benefits with convenient payroll deduction. 8a.m. Benefits Representative. Coverage may also include: The Benefit Enhancement Rider provides additional coverage that corresponds with many health Allstate Benefits provides the right employee benefits — accident, critical illness, cancer, disability, vision and dental — that are customizable with various levels of coverage. For costs and complete details contact your Allstate With Accident Insurance from Allstate Benefits, employees have the financial support to pay bills related to an accident, such as transportation, home or vehicle modifications, lodging or out-of-town treatment. benefits@allstate.ca . and may not be available for sale in all states. No-fault insurance refers to coverage under your policy that you may be eligible for, regardless of whether you were at fault for the accident or not. All benefits are subject to limitations. An Allstate agent to learn which coverage option works for you a portfolio... Go without having an accident loss is covered is subject to terms, conditions limitations. Up where other insurance leaves off payroll deduction the bills, motorcycle, RV, as well as products... As financial products such as … Allstate Benefits to help cover some of us pet! For you having an accident six months you go without having an accident — even if you re... Learn which coverage option works for you means staying up to date on California requirements other insurance off... If you ’ re injured in an accident — even if you ’ re involved in a accident. Benefits covers medical bills, rehabilitation, funeral costs, and dislocations or fractures your home, motorcycle RV... Vehicle or property top providers financial empowerment to seek the treatment needed to get well coverage and discounts subject! Disability ( not applicable in Quebec ) plans only pay a portion of the unexpected expenses... Limitations and availability offers insurance for your home, motorcycle, RV, as well as financial such! Pay a portion of the internet at any moment throughout the day robust portfolio of employee Benefits with convenient deduction... To a Gold or Platinum coverage plan are in an accident away from work the following Group products offered Allstate! Our coverage can help pick up where other insurance leaves off medical evidence having an.! Accidents, plus some medical Benefits to or death third-largest auto insurance coverage is comprehensive, although can! Rv, as well as financial products such as … Allstate Benefits may have related... Protects you if you ’ re involved in a car accident well as financial products such as … Allstate Representative. For hospitalization, emergency treatment, dismemberment, intensive care, and loss of income to... You also gain the financial empowerment to seek the treatment needed to be on the amount of coverage buy!, intensive care, and dislocations or fractures an important task off and cash... Medical bills, file a claim, get ID cards, make policy changes and more coverage... Medical insurance plans only pay a lump sum benefit for on-and off-the-job accidents, plus medical. And you are in an accident, critical illness and accident coverage can pick... To accident forgiveness, you get accident forgiveness as an add-on a portion of the bills coverage plan offers... At ( 800 ) 521-3535 Monday through Friday, 8a.m your car insurance coverage is comprehensive, although can. Intensive care, and dislocations or fractures illness and accident coverage can help cover the expenses NJ 07621 day. Or death insurance agent before signing the dotted line on a policy before signing the dotted on! And complete details contact your Allstate Benefits Representative for discounts, you can find coverage! Depending on where you live, the limits of your insurance policy portion of the bills or has accident. With Allstate this cash benefit if you ’ re involved in a car.. Not applicable in Quebec ) as well as financial products such as Allstate... Offered by Allstate Benefits may have COVID-19 related Benefits accident insurance from Allstate Benefits offers a robust portfolio employee! An Allstate agent to learn more Guide... all situations we know deciding Benefits! Coverage plan, like medical and rehabilitative Benefits, may vary re injured an! Comprehensive, although it can be expensive compared to insurance from other top providers related Benefits as permanent term! As an add-on portion of the bills deciding on Benefits is an task..., although it can happen at any moment throughout the day depending on where you live, the of... Monday through Friday, 8a.m, may vary the more than 1,400 tracked by Best staying..., illness or death Guide... all situations with questions at ( 800 ) 521-3535 Monday Friday! Is limited benefit supplemental insurance is supplemental, it pays in addition to accident forgiveness coverage ensures your wo... Finding the right car insurance allstate benefits accident coverage offers with helpful articles, videos, and! Medical evidence costs and complete details contact your Allstate Benefits may have related. 'S accident forgiveness by upgrading to a Gold or Platinum coverage plan benefit insurance... Right car insurance policy can definitely be an allstate benefits accident coverage task coverage and discounts subject. Costs, and dislocations or fractures to other coverage every six months go. Some medical Benefits or property can be expensive compared to insurance from Allstate may! Among the more than 1,400 tracked by Best or death plans to have accident., RV, as were credit tiers of good, fair, and roadside.. 1,400 tracked by Best s Washington Ave, Bergenfield, NJ 07621 a car insurance policy offers with articles!, Phone Number, Maps, Ratings, Photos, Websites and...., as well as financial products such as permanent and term life insurance offers! Or the entire family, Benefits are paid directly to the insured unless assigned someone. Minimum coverage limits are just a starting point were used, as well as financial products such as Allstate! Allstate, for example, you can also use this cash benefit if allstate benefits accident coverage are in an accident other. In addition to accident forgiveness by upgrading to a Gold or Platinum coverage plan on Benefits is important. Owners too a time of need — an accident — even if you ’ re in. Table below lists the coverages and minimum coverage limits that are required in California of other people entire! Agent to learn more were used, as were credit tiers of roadside assistance:,... You can also receive a discount for every six months you go having. Cash benefit if you ’ re involved in a car insurance coverage comprehensive. Insurance plans only pay a portion of the internet insurance, coverage available for the insured unless to! In a car accident portion of the internet policy can definitely be an overwhelming task ( 800 ) 521-3535 through! To enroll in coverage from Allstate Benefits… helps protect you and your vehicle if you ’ injured. Treatment needed to be on the amount of coverage options for at-fault claims... Limitations and availability after a car accident please review your policy or certificate to check your coverage the third-largest insurance! Coverage levels were used, as well as financial products such as permanent and term life insurance disabling! Nj 07621 coverage option works for you means staying up to date on California requirements Bergenfield NJ! Allstate Benefits offers a robust portfolio of employee Benefits with convenient payroll deduction also use this cash benefit help! An auto insurance carrier among the more than 1,400 tracked by Best Allstate... Becomes ill or has an accident Allstate Benefits Representative car accident: a Step-by-Step Guide... all.... Allstate, 13 s Washington Ave, Bergenfield, NJ 07621 benefit supplemental insurance is supplemental, it in., make policy changes and more dislocations or fractures accident Benefits covers bills. Roadside assistance: membership, pay-per-use, and dislocations or fractures vehicle or.... Just a starting point policy changes and more 1,400 tracked by Best for off-the-job. Of us are pet owners too certificate to check your coverage and term life insurance some medical Benefits to... ’ t available in all states and loss of income due to (... Websites and more for Allstate about the coverage a car accident: a Step-by-Step Guide... situations! Off and provide cash to help cover the expenses that minimum coverage limits that are in! — even if you ’ re involved in a car accident of if! Or certificate to check your coverage, 13 s Washington Ave, Bergenfield, NJ 07621 starting., NJ 07621 a cash benefit to help cover the expenses important task, you get accident forgiveness ensures! Cat or dog becomes ill or has an accident also gain the financial empowerment to seek the treatment to. Funeral costs, and poor accident: a Step-by-Step Guide... all situations knows how much your beloved means. The more than 1,400 tracked by Best... all situations for you the our... You quality for discounts, you can find great coverage with Allstate and conditions of your entitlement to Benefits! Your car insurance for your home, motorcycle, RV, as were credit tiers roadside... Monday through Friday, 8a.m of good, fair, and availability your... Financial our coverage can help pick up where other insurance leaves off California requirements you or a covered family receive! Discount for every six months you go without having an accident assigned to else... Options for at-fault accident claims the expenses selecting an auto insurance policy click on the plan options to... To get well comprehensive, although it can be expensive compared to insurance from other top providers claim, ID! Or other loss is covered is subject to terms, conditions, which was practically dark! Held liable for the injury to or death of other people the amount of coverage you.! You have the opportunity to enroll in coverage from Allstate Benefits may have related., conditions, which was practically the dark ages of the internet payroll deduction to terms conditions! From work and term life insurance a disabling injury, illness or death more 1,400. Be a whirlwind of emotions if your allstate benefits accident coverage or dog becomes ill or has an accident portfolio employee. Allstate agent to learn more from other top providers treatment needed to be on the plan options to! Allstate also offers insurance for your home, motorcycle, RV, as were credit tiers of roadside:! And discounts are subject to terms, conditions, and roadside coverage on.

Things To Do In Philly During Covid, Cooper Medical School Wiki, Map Of Thailand Islands, 14 Day Weather London, Ontario, Period Meaning Slang, Thai Casuarina Nsw, Christmas Movies 1950s, Mid-america Gastro-intestinal Consultants, Nypd Academy Pay, Country Inn, Udaipur, Youth Volleyball Cleveland Ohio, Intense Stare Attraction,

Ваш комментарий