Insurance.....?
Q. Does anyone here have insurance for their dog? How much does it cost or does it depend on different factors (breed, age, etc). If you don't mind tell me what it costs you and what kind of dog you have. Thanks
Asked by Zaphari - Mon May 5 16:59:29 2008 - - 10 Answers - 0 Comments
A. I don't have it and I don't trust it...human insurance is bad enough with all the small print. My dog insurance is Master Card, it's the only "insurance" I'd recommend. It covers everything, literally! Good luck though if you feel you really must purchase insurance!
Answered by Curtis M - Mon May 5 17:03:51 2008
Q. Does anyone here have insurance for their dog? How much does it cost or does it depend on different factors (breed, age, etc). If you don't mind tell me what it costs you and what kind of dog you have. Thanks
Asked by Zaphari - Mon May 5 16:59:29 2008 - - 10 Answers - 0 Comments
A. I don't have it and I don't trust it...human insurance is bad enough with all the small print. My dog insurance is Master Card, it's the only "insurance" I'd recommend. It covers everything, literally! Good luck though if you feel you really must purchase insurance!
Answered by Curtis M - Mon May 5 17:03:51 2008
Can i start insurance on a new car with a new insurance provider before the current policy runs out ?
Q. My current car insurance policy runs out at the end of the month and I will not be renewing with them. I am getting a new car approx 2 weeks before the expiry date. Can i start the insurance with another company and 'overlap' the insurance ?
Asked by laronda - Wed Sep 2 15:56:57 2009 - - 7 Answers - 0 Comments
A. You CAN do that since you are changing anyway. You might want to notify your PRIOR insurance company once you have the NEW coverage in force - just to avoid any duplication of coverage and any "earned premium." If the company automatically renews and you don't inform them, they might try to collect for the time you had coverage in force. Just show them a copy of your NEW policy and they will cancel the old. That's the way it SHOULD be done. Try this site to find the best car insurance Here you can get quotes from different car insurance companies in your area, its the best way to find an affordable car insurance with a reliable company. Good luck, drive responsibly and I hope this helps!
Answered by unknown - Wed Sep 2 15:57:59 2009
Q. My current car insurance policy runs out at the end of the month and I will not be renewing with them. I am getting a new car approx 2 weeks before the expiry date. Can i start the insurance with another company and 'overlap' the insurance ?
Asked by laronda - Wed Sep 2 15:56:57 2009 - - 7 Answers - 0 Comments
A. You CAN do that since you are changing anyway. You might want to notify your PRIOR insurance company once you have the NEW coverage in force - just to avoid any duplication of coverage and any "earned premium." If the company automatically renews and you don't inform them, they might try to collect for the time you had coverage in force. Just show them a copy of your NEW policy and they will cancel the old. That's the way it SHOULD be done. Try this site to find the best car insurance Here you can get quotes from different car insurance companies in your area, its the best way to find an affordable car insurance with a reliable company. Good luck, drive responsibly and I hope this helps!
Answered by unknown - Wed Sep 2 15:57:59 2009
How much insurance company will raise my rate after a car accident?
Q. My car bumped into a car at a parking lot and caused minor rear bump crack. And I called my insurance company to report a claim. Right now my rate insurance is $420/year. I would like to to know how much my insurance company will raise my rate when I renew it next year.
Asked by amber - Fri Jan 16 11:58:57 2009 - - 3 Answers - 2 Comments
A. There no easy answer. It depends on your carrier and your state. Some carriers offer accident forgiveness if your insured with them for a number of years and never made a claim, then they give you an accident for free. There are also $ limits. If the amount they pay for repairs to your car and the other car exceeds a certain predetermined $ amount then the policy is surcharged. If its below that amount, you aren't given a surcharge but may lose your accident free discount. When you do recieve a surcharge, it is only applied to certain coverages and not all the coverages.
Answered by Susan K - Sat Jan 17 11:47:47 2009
Q. My car bumped into a car at a parking lot and caused minor rear bump crack. And I called my insurance company to report a claim. Right now my rate insurance is $420/year. I would like to to know how much my insurance company will raise my rate when I renew it next year.
Asked by amber - Fri Jan 16 11:58:57 2009 - - 3 Answers - 2 Comments
A. There no easy answer. It depends on your carrier and your state. Some carriers offer accident forgiveness if your insured with them for a number of years and never made a claim, then they give you an accident for free. There are also $ limits. If the amount they pay for repairs to your car and the other car exceeds a certain predetermined $ amount then the policy is surcharged. If its below that amount, you aren't given a surcharge but may lose your accident free discount. When you do recieve a surcharge, it is only applied to certain coverages and not all the coverages.
Answered by Susan K - Sat Jan 17 11:47:47 2009
Can you buy auto insurance the very moment you buy a car? Do insurance companies work that quickly?
Q. Can I call an insurance company the instant I buy a car and say, "Hey, I just bought a car. I want to get insurance for it."? I think companies should do this because if I take off from the dealership without insurance, and somebody hits me on the way home, I'm in trouble, right? I looked everywhere for this information, but I couldn't find it anywhere. Could somebody clarify this issue for me?
Asked by rar4000 - Fri Feb 9 15:52:22 2007 - - 10 Answers - 3 Comments
A. If you buy a car and have a loan on it you are required to have insurance before leaving the car dealership. Most insurance companies have a way to buy on-line or over the phone. Call your local State Farm agent and they can help you. (www.statefarm.com) Good luck.
Answered by jmrob29 - Fri Feb 9 17:25:51 2007
Q. Can I call an insurance company the instant I buy a car and say, "Hey, I just bought a car. I want to get insurance for it."? I think companies should do this because if I take off from the dealership without insurance, and somebody hits me on the way home, I'm in trouble, right? I looked everywhere for this information, but I couldn't find it anywhere. Could somebody clarify this issue for me?
Asked by rar4000 - Fri Feb 9 15:52:22 2007 - - 10 Answers - 3 Comments
A. If you buy a car and have a loan on it you are required to have insurance before leaving the car dealership. Most insurance companies have a way to buy on-line or over the phone. Call your local State Farm agent and they can help you. (www.statefarm.com) Good luck.
Answered by jmrob29 - Fri Feb 9 17:25:51 2007
How do i fight with an insurance company and win?
Q. I had surgery in June and my insurance has no deductible. The insurance company paid the doctor and the pathologist, but they wont pay the hospital. the insurance company says they havent gotten a bill. the hospital says they have sent it and received a denial with no explanation from the insurance company. I dont know what to do. I've asked for the hospital to send me the bill to submit myself, but they dont do it. They say they do, but I never get it. I'm so frustrated. What can I do??? The hospital has an out-of-state company do their billing or I would go there in person. My insurance company is also out of state. *sigh* help.. i have no deductible, there is no reason why they wouldnt pay, they've paid everything else I just think the… [cont.]
Asked by starsandmoon73 - Thu Feb 15 22:09:38 2007 - - 17 Answers - 0 Comments
A. At this point I don't think it's the insurance you need to fight. It's the Hospital. I mean if you haven't gotten what they promised to send you numerous times, you think the insurance got their claim? If the insurance denied it, it would state a reason and if not the Hospital would have called to find out the reason. Call the hospital billing department and tell them to fax you a copy of the insurance EOB (explanation of benefits). If the insurance denied your claim there will be a claim number given by the insurance company. If they don't do it then tell them you want to talk to a manager. Once you get the denial you can call your insurance company and give them the claim number. They can look it up this way to pull up the… [cont.]
Answered by Nette - Thu Feb 15 22:20:27 2007
Q. I had surgery in June and my insurance has no deductible. The insurance company paid the doctor and the pathologist, but they wont pay the hospital. the insurance company says they havent gotten a bill. the hospital says they have sent it and received a denial with no explanation from the insurance company. I dont know what to do. I've asked for the hospital to send me the bill to submit myself, but they dont do it. They say they do, but I never get it. I'm so frustrated. What can I do??? The hospital has an out-of-state company do their billing or I would go there in person. My insurance company is also out of state. *sigh* help.. i have no deductible, there is no reason why they wouldnt pay, they've paid everything else I just think the… [cont.]
Asked by starsandmoon73 - Thu Feb 15 22:09:38 2007 - - 17 Answers - 0 Comments
A. At this point I don't think it's the insurance you need to fight. It's the Hospital. I mean if you haven't gotten what they promised to send you numerous times, you think the insurance got their claim? If the insurance denied it, it would state a reason and if not the Hospital would have called to find out the reason. Call the hospital billing department and tell them to fax you a copy of the insurance EOB (explanation of benefits). If the insurance denied your claim there will be a claim number given by the insurance company. If they don't do it then tell them you want to talk to a manager. Once you get the denial you can call your insurance company and give them the claim number. They can look it up this way to pull up the… [cont.]
Answered by Nette - Thu Feb 15 22:20:27 2007
What auto insurance company has cheap rates for adding a 16 year old first-time driver to an insurance plan?
Q. We live in Florida, and my son has just turned 16, He wants to get his licenses but we don't want our insurance to go up too much. From what I hear it is very expensive, yet i hear other people saying that some auto insurance company's have very cheap rates for adding a first time driver. So if there are any other parents that know of a company that they use that is pretty cheap please let me know. Thank you. Yes we are planing on "adding" him to our plan.
Asked by Jesus V - Fri Jan 16 12:54:15 2009 - - 4 Answers - 1 Comments
A. I recommend you locate a local car insurance agent to help. Since I live in Kentucky I can't suggest an agent in Florida, but here is an website that can help you. Good Luck!
Answered by mariko m - Fri Jan 16 21:15:04 2009
Q. We live in Florida, and my son has just turned 16, He wants to get his licenses but we don't want our insurance to go up too much. From what I hear it is very expensive, yet i hear other people saying that some auto insurance company's have very cheap rates for adding a first time driver. So if there are any other parents that know of a company that they use that is pretty cheap please let me know. Thank you. Yes we are planing on "adding" him to our plan.
Asked by Jesus V - Fri Jan 16 12:54:15 2009 - - 4 Answers - 1 Comments
A. I recommend you locate a local car insurance agent to help. Since I live in Kentucky I can't suggest an agent in Florida, but here is an website that can help you. Good Luck!
Answered by mariko m - Fri Jan 16 21:15:04 2009
What is that Insurance commercial with the man and woman having an conversation?
Q. I am asking for someone else, but I was wondering what was that insurance commercial when the insurance man calls the woman to tell her that her payments where later and later, then she completely stopped paying, I know someone who wants this insurance, but can't think of the name of the company.
Asked by Pro Gamer - Wed Jul 18 02:45:23 2007 - - 1 Answers - 0 Comments
A. If you and I are thinking of the same commercial, I think that it was for a debt consolidation company. I'm not sure which one.
Answered by TEA - Wed Jul 18 15:19:23 2007
Q. I am asking for someone else, but I was wondering what was that insurance commercial when the insurance man calls the woman to tell her that her payments where later and later, then she completely stopped paying, I know someone who wants this insurance, but can't think of the name of the company.
Asked by Pro Gamer - Wed Jul 18 02:45:23 2007 - - 1 Answers - 0 Comments
A. If you and I are thinking of the same commercial, I think that it was for a debt consolidation company. I'm not sure which one.
Answered by TEA - Wed Jul 18 15:19:23 2007
How does health insurance work - when insurance premium can generally increase?
Q. If family of two have health insurance, and one of them decide to use it for couple medical procedures will insurance policy premium go up? Please advice. Thanks.
Asked by evelina - Sun Aug 9 14:17:14 2009 - - 2 Answers - 0 Comments
A. No. The premiums will not go up for that. Usually health insurance is up for renewal once a year and the cost increases at that time, but not just because you use your policy. The cost of group health insurance where I work has had double digit increases in the premiums every year for 10 years now. The health insurance companies are out of control. If you have insurance and need health care - go get the care you need. Check out this site to find the best health insurance just in one minute, Here you can get free quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company. Best Wishes,
Answered by unknown - Sun Aug 9 14:18:38 2009
Q. If family of two have health insurance, and one of them decide to use it for couple medical procedures will insurance policy premium go up? Please advice. Thanks.
Asked by evelina - Sun Aug 9 14:17:14 2009 - - 2 Answers - 0 Comments
A. No. The premiums will not go up for that. Usually health insurance is up for renewal once a year and the cost increases at that time, but not just because you use your policy. The cost of group health insurance where I work has had double digit increases in the premiums every year for 10 years now. The health insurance companies are out of control. If you have insurance and need health care - go get the care you need. Check out this site to find the best health insurance just in one minute, Here you can get free quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company. Best Wishes,
Answered by unknown - Sun Aug 9 14:18:38 2009
What insurance companies pay for inpatient treatment for eating disorders?
Q. I have had an eating disorder for the past 3 years, and desperately need inpatient treatment care, but my insurance company doesn't cover the costs, so I am trying to find a new insurance company that does
Asked by Diamond M - Sat Oct 6 16:12:56 2007 - - 1 Answers - 0 Comments
A. Each insurance company will vary and finding a new one will be next to impossible. You will be automatically turned down, charged a lot more or made to wait for a long time because it is a predetermined condition. Insurance companies have you over a barrel. So sorry.
Answered by db2byl - Sat Oct 6 16:59:41 2007
Q. I have had an eating disorder for the past 3 years, and desperately need inpatient treatment care, but my insurance company doesn't cover the costs, so I am trying to find a new insurance company that does
Asked by Diamond M - Sat Oct 6 16:12:56 2007 - - 1 Answers - 0 Comments
A. Each insurance company will vary and finding a new one will be next to impossible. You will be automatically turned down, charged a lot more or made to wait for a long time because it is a predetermined condition. Insurance companies have you over a barrel. So sorry.
Answered by db2byl - Sat Oct 6 16:59:41 2007
What insurance companies cover include gastric bypass or lap band procedures?
Q. The insurance I have through my job (PHCS) has verbally stated that they will not cover ANY weight loss related procedures. My doctor is wanting me to do the lap band procedure so I would like to see about getting my own insurance that will cover the cost. Any suggestions?
Asked by C G - Fri Nov 9 16:21:19 2007 - - 2 Answers - 0 Comments
A. Many group policies do cover lap band and some individual policies do as well. However, the individual policies have height and weight guidelines, and if you're overweight enough to have lap band recommended you will be outside those guidelines and will be declined coverage. You may want to check with a local independent agent just to make sure but don't hold your breath. If you do find a company that will accept you and will cover the lap band procedures they'll probably have a waiting period before you can get covered.
Answered by Zarnev - Sat Nov 10 22:09:22 2007
Q. The insurance I have through my job (PHCS) has verbally stated that they will not cover ANY weight loss related procedures. My doctor is wanting me to do the lap band procedure so I would like to see about getting my own insurance that will cover the cost. Any suggestions?
Asked by C G - Fri Nov 9 16:21:19 2007 - - 2 Answers - 0 Comments
A. Many group policies do cover lap band and some individual policies do as well. However, the individual policies have height and weight guidelines, and if you're overweight enough to have lap band recommended you will be outside those guidelines and will be declined coverage. You may want to check with a local independent agent just to make sure but don't hold your breath. If you do find a company that will accept you and will cover the lap band procedures they'll probably have a waiting period before you can get covered.
Answered by Zarnev - Sat Nov 10 22:09:22 2007
How exactly does insurance affect our economy?
Q. I understand the basics of insurance. That is the transfer of risk. That insurance companies bet on getting more in premiums than they have to pay out in claims. What I'm trying to understand is, how deeply insurance, our ability to purchase it, affects our economy. Please if you could give me some answers regarding this or point me to a site where I can find more information it would be great.
Asked by lauritaingp - Fri Sep 7 15:44:45 2007 - - 6 Answers - 0 Comments
A. In my opinion insurance is the under pining of our economy. You cannot obtain financing to buy a car, house, commercial building, commercial equipment, boat, airplane, condominium, etc. without showing proof of coverage to the bank since they want the asset which serves as collateral to the loan fully protected against loss. You should not employ someone without obtaining workers compensation insurance. Even if you do not obtain financing it would be foolish and in many cases illegal to go without insurance. Banks will also require key man life insurance on the executives of a company when they are making large loans to the business. And of course unfortunately in most cases you cannot get the best medical care without insurance since… [cont.]
Answered by Margarita D - Fri Sep 7 22:32:16 2007
Q. I understand the basics of insurance. That is the transfer of risk. That insurance companies bet on getting more in premiums than they have to pay out in claims. What I'm trying to understand is, how deeply insurance, our ability to purchase it, affects our economy. Please if you could give me some answers regarding this or point me to a site where I can find more information it would be great.
Asked by lauritaingp - Fri Sep 7 15:44:45 2007 - - 6 Answers - 0 Comments
A. In my opinion insurance is the under pining of our economy. You cannot obtain financing to buy a car, house, commercial building, commercial equipment, boat, airplane, condominium, etc. without showing proof of coverage to the bank since they want the asset which serves as collateral to the loan fully protected against loss. You should not employ someone without obtaining workers compensation insurance. Even if you do not obtain financing it would be foolish and in many cases illegal to go without insurance. Banks will also require key man life insurance on the executives of a company when they are making large loans to the business. And of course unfortunately in most cases you cannot get the best medical care without insurance since… [cont.]
Answered by Margarita D - Fri Sep 7 22:32:16 2007
What insurance agency has the cheapest rates for full coverage car insurance?
Q. I need some cheap full coverage car insurance if you know a company that has cheap rates let me know please!
Asked by TINKY TOT - Thu Jul 17 10:41:38 2008 - - 8 Answers - 3 Comments
A. I was able to save money through a free on-line quoting service at They had several links. All I did was fill out their quote request and received back a lot better rates then what I was paying. I would suggest you try more than one quote before you settle with anyone, the service is free and there's no obligation so you might as well try it. Here's some others from my bookmarks:
Answered by banana - Fri Jul 18 19:08:07 2008
Q. I need some cheap full coverage car insurance if you know a company that has cheap rates let me know please!
Asked by TINKY TOT - Thu Jul 17 10:41:38 2008 - - 8 Answers - 3 Comments
A. I was able to save money through a free on-line quoting service at They had several links. All I did was fill out their quote request and received back a lot better rates then what I was paying. I would suggest you try more than one quote before you settle with anyone, the service is free and there's no obligation so you might as well try it. Here's some others from my bookmarks:
Answered by banana - Fri Jul 18 19:08:07 2008
What is the least amount of car insurance I need to have on a car that doesn't have a loan on it?
Q. I live in Wisconsin and havent had insurance in about four years. I am getting married in six months and my fiance's insurance agent said that I should get insurance now, six months before the wedding, so that once we get married and I get added onto his insurance, I won't raise his insurance since I am considered high risk since I havent had insurance the last six months or more. So, if I get insurance on my won for six months, it will be high risk for those six months, but then six montsh from now, I won't be high risk, which will be good becasue six months from now is when i would get married and added onto his insurance. Now, I am going to get insurance on a car that doesn't have a loan on it, and I am wondering how much insurance I… [cont.]
Asked by Amanda - Tue Feb 13 12:03:20 2007 - - 6 Answers - 3 Comments
A. You should qualify for liablity insurance instead of full coverage. The actaul amount of insurance depends on what your car is worth right now, how old it is, your past driving record and your "hi risk" lable will definately have an effect. You'll have to get quoted at a few different places to be sure what company has the lowest rate for you.
Answered by his love - Tue Feb 13 12:35:27 2007
Q. I live in Wisconsin and havent had insurance in about four years. I am getting married in six months and my fiance's insurance agent said that I should get insurance now, six months before the wedding, so that once we get married and I get added onto his insurance, I won't raise his insurance since I am considered high risk since I havent had insurance the last six months or more. So, if I get insurance on my won for six months, it will be high risk for those six months, but then six montsh from now, I won't be high risk, which will be good becasue six months from now is when i would get married and added onto his insurance. Now, I am going to get insurance on a car that doesn't have a loan on it, and I am wondering how much insurance I… [cont.]
Asked by Amanda - Tue Feb 13 12:03:20 2007 - - 6 Answers - 3 Comments
A. You should qualify for liablity insurance instead of full coverage. The actaul amount of insurance depends on what your car is worth right now, how old it is, your past driving record and your "hi risk" lable will definately have an effect. You'll have to get quoted at a few different places to be sure what company has the lowest rate for you.
Answered by his love - Tue Feb 13 12:35:27 2007
What is gap insurance usually labeled on the actual insurance policy paper?
Q. How do I know if I have gap insurance by looking at my insurance policy? I have Travelers, if that helps.
Asked by CMDS - Thu Jul 23 14:22:05 2009 - - 2 Answers - 0 Comments
A. It will be listed as "GAP Coverage" under additional coverages if you have applied for it when you started your policy.
Answered by oklatom - Thu Jul 23 14:28:22 2009
Q. How do I know if I have gap insurance by looking at my insurance policy? I have Travelers, if that helps.
Asked by CMDS - Thu Jul 23 14:22:05 2009 - - 2 Answers - 0 Comments
A. It will be listed as "GAP Coverage" under additional coverages if you have applied for it when you started your policy.
Answered by oklatom - Thu Jul 23 14:28:22 2009
Can I reimburse myself health insurance costs from my company?
Q. We used to have individual health insurance, and I would pay for it out of my own company (an S Corp). When we got insurance through my husband's employer, I stopped reimbursing myself. He is paid for by the company, and then it costs extra to add myself and our child. I was just going to deduct health insurance premiums on our Sch A, but we don't have enough other medical expenses to meet the limit. Is it ligit to go ahead and reimburse myself the amount that it cost for the health insurance? Then it would be a business expense. Thanks.
Asked by Jackie S - Sat Jan 5 20:06:56 2008 - - 2 Answers - 1 Comments
A. No. The insurance through your husband's employer does not meet the test of having been established through the S-corp.
Answered by v b - Sat Jan 5 20:16:49 2008
Q. We used to have individual health insurance, and I would pay for it out of my own company (an S Corp). When we got insurance through my husband's employer, I stopped reimbursing myself. He is paid for by the company, and then it costs extra to add myself and our child. I was just going to deduct health insurance premiums on our Sch A, but we don't have enough other medical expenses to meet the limit. Is it ligit to go ahead and reimburse myself the amount that it cost for the health insurance? Then it would be a business expense. Thanks.
Asked by Jackie S - Sat Jan 5 20:06:56 2008 - - 2 Answers - 1 Comments
A. No. The insurance through your husband's employer does not meet the test of having been established through the S-corp.
Answered by v b - Sat Jan 5 20:16:49 2008
What exactly is dental insurance and how is it different from medical insurance?
Q. I'm sixteen and just got a job as a receptionist at a Dentist's office and I know I'm not going to get a strightforward and easy answer from digging around the internet so I wondered if anyone here could just give me a clear explanation as to what dental insurance is and how it's different from medical insurance. Thank you!
Asked by Elie - Wed Jul 16 08:29:57 2008 - - 4 Answers - 0 Comments
A. Hi Dental insurance as the name suggest covers only dental related procedures. It depends on the policy sometimes it is supplemental to health insurance in general or just as a stand alone policy.
Answered by znr12 - Fri Jul 18 06:45:30 2008
Q. I'm sixteen and just got a job as a receptionist at a Dentist's office and I know I'm not going to get a strightforward and easy answer from digging around the internet so I wondered if anyone here could just give me a clear explanation as to what dental insurance is and how it's different from medical insurance. Thank you!
Asked by Elie - Wed Jul 16 08:29:57 2008 - - 4 Answers - 0 Comments
A. Hi Dental insurance as the name suggest covers only dental related procedures. It depends on the policy sometimes it is supplemental to health insurance in general or just as a stand alone policy.
Answered by znr12 - Fri Jul 18 06:45:30 2008
How long does it take an insurance company to issue an automobile insurance policy after receiving deposit?
Q. I've been with the same company almost five years. My car insurance is renewed every six months, after I make the required renewal deposit. Like clockwork, I receive the new payment coupons, and temporary insurance card. However, I don't get the permanent insurance card and new policy stating the value of my vehicle, until almost a month later. Sometimes longer. Is this legal? If so, why does it take so long for the agent to issue the new policy, and how will this effect me if I ever disagree with what's in the policy? P.S. I'm not referring to how soon the new insurance is "effective", I'm referring to how soon the new policy is "received". To my knowledge, the policy is renewed immediately for six months after I make the deposit, even… [cont.]
Asked by A.J. - Wed Mar 14 04:30:19 2007 - - 5 Answers - 0 Comments
A. Well for one your first payment is not a deposit. It s a down payment or first payment, a deposit would imply that the money is being put up only to hold something or until further approval and that you have some right to a refund. With regards to insurance you have no right to any monies back from your first payment unless the policy is flat canceled, and then you would be entitled to any unearned premium less any fees from that payment. Depending on the State in which your policy is written a carrier can have up to 90 days to send you a Policy Declaration Page and Policy but this is not normal practice with most carriers. Most will try and get those to you with-in a few days of issuance of the policy or as quickly as they can. Your… [cont.]
Answered by deanspurrier - Wed Mar 14 09:57:17 2007
Q. I've been with the same company almost five years. My car insurance is renewed every six months, after I make the required renewal deposit. Like clockwork, I receive the new payment coupons, and temporary insurance card. However, I don't get the permanent insurance card and new policy stating the value of my vehicle, until almost a month later. Sometimes longer. Is this legal? If so, why does it take so long for the agent to issue the new policy, and how will this effect me if I ever disagree with what's in the policy? P.S. I'm not referring to how soon the new insurance is "effective", I'm referring to how soon the new policy is "received". To my knowledge, the policy is renewed immediately for six months after I make the deposit, even… [cont.]
Asked by A.J. - Wed Mar 14 04:30:19 2007 - - 5 Answers - 0 Comments
A. Well for one your first payment is not a deposit. It s a down payment or first payment, a deposit would imply that the money is being put up only to hold something or until further approval and that you have some right to a refund. With regards to insurance you have no right to any monies back from your first payment unless the policy is flat canceled, and then you would be entitled to any unearned premium less any fees from that payment. Depending on the State in which your policy is written a carrier can have up to 90 days to send you a Policy Declaration Page and Policy but this is not normal practice with most carriers. Most will try and get those to you with-in a few days of issuance of the policy or as quickly as they can. Your… [cont.]
Answered by deanspurrier - Wed Mar 14 09:57:17 2007
How much is homeowners insurance in IL for townhome that's not covered by the common insurance?
Q. I'm planning to purchase a townhome and the assessments does include common insurance. I've been told it doesn't protect any misc assets I have in my home in case a disaster occurs. I want to factor this into my monthly expense estimates. I'm looking for a purchase price at $200,000. How much should estimate for homeowners insurance? Is it a monthly and annual payment? Thanks
Asked by ghmag - Mon Mar 17 13:07:40 2008 - - 2 Answers - 0 Comments
A. You need to call an insurance company for quotes, start with your auto insurance company & go from there. There are many questions, what does the master policy cover? You would need to read the condo bylaws to find out. Does that policy cover everything attached to the unit or only to the studs? Does it cover anything that you add to or alter in the unit? So, you would purchase a condo policy (HO6 form), you would need to find out from the condo association what you actually need to cover. That would be the dwelling limit you need. Then you need to tell the insurance company how much contents coverage you want (if you had to replace everything you own), then get at least $500,000 liability, $5,000 medical payments & get $50,000 (or… [cont.]
Answered by Sue - Mon Mar 17 15:45:17 2008
Q. I'm planning to purchase a townhome and the assessments does include common insurance. I've been told it doesn't protect any misc assets I have in my home in case a disaster occurs. I want to factor this into my monthly expense estimates. I'm looking for a purchase price at $200,000. How much should estimate for homeowners insurance? Is it a monthly and annual payment? Thanks
Asked by ghmag - Mon Mar 17 13:07:40 2008 - - 2 Answers - 0 Comments
A. You need to call an insurance company for quotes, start with your auto insurance company & go from there. There are many questions, what does the master policy cover? You would need to read the condo bylaws to find out. Does that policy cover everything attached to the unit or only to the studs? Does it cover anything that you add to or alter in the unit? So, you would purchase a condo policy (HO6 form), you would need to find out from the condo association what you actually need to cover. That would be the dwelling limit you need. Then you need to tell the insurance company how much contents coverage you want (if you had to replace everything you own), then get at least $500,000 liability, $5,000 medical payments & get $50,000 (or… [cont.]
Answered by Sue - Mon Mar 17 15:45:17 2008
What health insurance plans cover toenail fungus medication and nail removal surgery?
Q. Hi, I suffer from toenail fungus, and I've tried ALL home remedies available without success. I'm also about to buy health insurance. I thought I would take this opportunity to finally visit the doctor and get rid of this problem. My questions are: 1. Which health insurance plans offer the best coverage to treat toenail fungus? 2. Do they cover the medication and the surgery required in some cases to remove the toenail? Thank you for all your help!
Asked by deandra - Sun Aug 9 13:57:41 2009 - - 2 Answers - 0 Comments
A. Most insurance will cover the costs you mention if the doctor thinks it is medically necessary. Check out this site to find the best health insurance just in one minute, Here you can get free quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company. Best Wishes,
Answered by unknown - Sun Aug 9 13:58:47 2009
Q. Hi, I suffer from toenail fungus, and I've tried ALL home remedies available without success. I'm also about to buy health insurance. I thought I would take this opportunity to finally visit the doctor and get rid of this problem. My questions are: 1. Which health insurance plans offer the best coverage to treat toenail fungus? 2. Do they cover the medication and the surgery required in some cases to remove the toenail? Thank you for all your help!
Asked by deandra - Sun Aug 9 13:57:41 2009 - - 2 Answers - 0 Comments
A. Most insurance will cover the costs you mention if the doctor thinks it is medically necessary. Check out this site to find the best health insurance just in one minute, Here you can get free quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company. Best Wishes,
Answered by unknown - Sun Aug 9 13:58:47 2009
If health insurance is refusing to pay for something they should, is the patient ultimately liable?
Q. Would this be a matter directly between the hospital and the insurance company? Or is this a matter where the hospital holds the patient liable, and the patient holds insurance company liable? Thanks for the help.
Asked by Tyler - Fri Sep 4 21:13:41 2009 - - 4 Answers - 0 Comments
A. Yes, you will have to pay the charges if the insurance company does not pay. The insurance company always says no to any charge that is not routine. You need to follow the dispute procedure outlined in your policy. You can call your insurance agent if you have one, or call the information line for your insurance company. The hospital isn't going to fight for you. You need to do this yourself. If the insurance company still won't pay for the procedure after you go through their entire dispute process and you are certain that it was a covered event, you can sue your insurance company.
Answered by Dan H - Fri Sep 4 21:24:34 2009
Q. Would this be a matter directly between the hospital and the insurance company? Or is this a matter where the hospital holds the patient liable, and the patient holds insurance company liable? Thanks for the help.
Asked by Tyler - Fri Sep 4 21:13:41 2009 - - 4 Answers - 0 Comments
A. Yes, you will have to pay the charges if the insurance company does not pay. The insurance company always says no to any charge that is not routine. You need to follow the dispute procedure outlined in your policy. You can call your insurance agent if you have one, or call the information line for your insurance company. The hospital isn't going to fight for you. You need to do this yourself. If the insurance company still won't pay for the procedure after you go through their entire dispute process and you are certain that it was a covered event, you can sue your insurance company.
Answered by Dan H - Fri Sep 4 21:24:34 2009
From Yahoo Answer Search: 'insurance'
Sat Sep 12 04:00:47 2009 [ refresh local cache ]
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Reuters
(Business Wire)-- Crittenden`s Insurance Profitability Indices finds that reinsurers are riding a wave of improvement fueled by single-digit rate increases, ...
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prescriptions.blogs.nytimes.com
By David M. Herszenhorn
Fri, 11 Sep 2009 22:38:47 GM
The White House on Friday said it would bar illegal immigrants from purchasing health coverage through a proposed . insurance. marketplace.
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