How do we get insurance companies to reduce medical insurance premiums to employers?
Q. Let's face it, here in the U.S. the medical insurance premiums for group health coverage is rising faster than inflation. As a result, a lot of companies are either reducing the levels of coverage in order to offset the cost of insurance, increasing the deductible, and or increasing the cost to the employees for the insurance premiums. The problem is that insurance companies have no incentive to reduce insurance premiums. They continue to get record profits and this issue is out of control. How do we get the insurance companies to decrease insurance premiums to the rate of inflation, or better yet, start reducing the cost of premiums for a change?
Asked by Begi - Sun Sep 27 13:50:57 2009 - - 1 Answers - 0 Comments

A. insurance tips :
Answered by unknown - Sun Sep 27 17:47:08 2009

What types of insurance does an event planner need?
Q. I am interested in starting my own business from home as an event planner (no employees, just me). However, I am unsure about the insurance aspect of things. I will possibly be organising events for a large company and they have told me that I am required to take out Public & Products Liability insurance and Personal Accident cover before I can start working on any of their events. Will the Personal Accident insurance cover my hospital bills if I injure myself? If not, what insurance does? Could you please advise what type of insurance is required for a home-based event planner. If there are any event planners out there could you please let me know what insurance you have?? Thanks!
Asked by eventplanner14 - Wed Sep 26 08:20:29 2007 - - 1 Answers - 2 Comments

A. Call an insurance agent. They will know what insurance you need and how much it will cost. The insurance is to cover the people and items at the events you coordinate, not you personally.
Answered by hirebookkeeper - Wed Sep 26 09:02:27 2007

How does the insurance company find out about moving violations?
Q. My understanding is that when you get a moving violation (e.g, a speeding ticket), the police or the courts or whoever will notify your insurance company. When your insurance company finds out and finds out about the points that are now on your license, they raise your insurance premium. However, a friend tells me that he's received several speeding tickets, that his insurance company has never found out (meaning no one is notifying his insurance company), and that his premium has therefore never gone up. How is that possible?
Asked by fgeel - Mon Sep 3 14:50:38 2007 - - 7 Answers - 2 Comments

A. hes got to be lying or had lawyer take his tickets to court and won! tickets are sent to the states motor vechicle division, thats how they find out about your tickets! TC GL :-)
Answered by craig m - Mon Sep 3 14:57:04 2007

Will an insurance company insure our home if there is a unpermitted cottage?
Q. I'm in the process of buying a foreclosure home (Saratoga,CA, can't transfer the insurance since it has already lapsed) that has a detached unpermitted cottage (2 bedrooms, kitchen, bathroom and living room total of 900 sq ft), the main home also has a unpermitted converted garage that is used as a in law quarter (separate entrance and full bathroom), it also has a unpermitted sun room too. I really love the home and tried looking for home insurance but it looks like no one will insure me. Is there anyway I can get insured for this property without having to lie about these unpermitted additions to the insurance company? Any advice would be appreciated and any suggestions which insurance company would insure me for a reasonable price.… [cont.]
Asked by Happy - Thu Sep 13 01:46:21 2007 - - 2 Answers - 1 Comments

A. I think you should go to the local building department (city or county) and apply for as built permits for these unpermitted structures. Although costly, it's better than Code Enforcement coming by, realizing that those additions/properties are unpermitted and going to court, seeking an injunction to have you (1) obtain as-built permits or (2) having them torn down. It is more expensive to have Code Enforcement come in and seek relief from the courts (assuming you don't comply and apply for as built permits) because you may have to pay their attorneys' fees when they win. I believe you apply for as built permits from the Building Department in the city. Make sure you're in the incorporated portion of the city, otherwise you'll have to… [cont.]
Answered by Princess Leia - Fri Sep 14 14:12:15 2007

How much is malpractice insurance for neurosurgeons by state?
Q. I need to know the average malpractice insurance for neurosurgeons in different states.I want to practice in a state where the insurance isn't so expensive.I live in NYC and here,the insurance is almost $1000.I prefer going to another city than giving all that money for the insurance.I never had any problem in my career and I don't need this type of insurance. Can you help me? PS. I am paid very well,but I don't like spending money on things that I don't need.
Asked by Leo - Wed Nov 4 01:39:09 2009 - - 1 Answers - 0 Comments
no health insurance and have a preexisting condition. Can I start work? or is there any insurance available?
Q. I live in GA. We just got an insurance and told them about this condition. It's very small surgery for my daughter. but now they are denying it. Is there any other insurance I can take? or if I get insurance through work would that help?
Asked by love - Mon Mar 17 21:59:26 2008 - - 2 Answers - 1 Comments

A. Some group policies at work do not care about preexisting conditions. Some do. It is usually the private ones, not work connected that up the rates. Probably something to do with--- if you can work, then you probably are not too sick, or disabled, so you can be insured. If it is a dependent child, would you need to take insurance for you as well as the child, and what is the waiting period. Work insurance takes a while to go into effect. You may have a rider or whatever it is called, that will exclude treatment, or make you wait so long to have insurance, or treatment for the preexisting condition. I don't know for sure, you could find out some how who the employer or potential employer uses and check it out on line or by calling the… [cont.]
Answered by valentina - Mon Mar 17 22:06:06 2008

What kind of insurance is best for if something unexpected happens?
Q. I've read up on insurance policies and found that ones that have high deductibles and low premiums are good for the young and healthy, but what happens if the unexpected happens (not death, but a serious illness or surgery)? Is there a type of insurance for that or some kind of account (mutual fund, etc.) that can be set up for that?
Asked by Devin - Fri Nov 6 12:32:56 2009 - - 1 Answers - 0 Comments

A. There's no one single policy, that covers everything. At the very least, you need to narrow it down a bit - house insurance? car insurance? health insurance? Sounds like you're talking about health insurance. It's regulated, including coverages, on a state by state basis, so to get information relevant to you, you should probably talk to a local agent. With health insurance, there is no "great deal". You get what you pay for. Less coverage and/or higher deductibles means lower monthly premiums. Great coverage with low/no deductibles means higher monthly premiums. Health insurance scams are on the rise. Everything from passing off a discount plan as "insurance", to forged policies (very easily sold over the internet). To… [cont.]
Answered by mbrcatz - Fri Nov 6 12:45:24 2009

Is the auto-insurance claim information shared if I switch the insurance company?
Q. Hi! I am with auto-insurance company X right now and due to few number of insurance claims that I had made, my insurance is going up. I am wondering if I try to switch to some company Y, will X share my claims information with Y? Thanks!
Asked by Sean P - Thu Jun 19 14:54:23 2008 - - 7 Answers - 1 Comments

A. Most of the time, yes they will find those prior claims. Many insurance companies participate in a national database that tracks claims. They will also check you MVR records of any tickets or accidents. It is very difficult to slip one past an insurance company. Fraudulently stating fewer claims than you actually have is not a good idea. If you filed another claim and the prior ones were discovered, they could deny the new claim, back charge you a higher rate, and/or cancel the policy on the spot. Because your rate went up due to the claims, it's not a bad idea to shop around, just make sure they are rating you with knowledge of those prior claims.
Answered by Nate W - Thu Jun 19 15:15:11 2008

What insurance company began as a way to gather information on people?
Q. I heard once that an insurance company was began as a guise to collect information and statistics about people. I can't remember which company it was, though! I thought it was Progressive, but I haven't been able to find any info on this. Does anyone know?
Asked by living eyes - Wed Oct 28 01:29:31 2009 - - 2 Answers - 0 Comments

A. Not progressive. I think it's the Social Security Insurance Program . . .that's the closest I can think of, and, of course, it's a government run insurance program.
Answered by mbrcatz - Wed Oct 28 09:08:13 2009

What individual health insurance is good but cheap in California?
Q. Hey. Please somebody help me. I am employed but don't get any health insurance. I am 27 and single and need a good health insurance but cheap. I live in South California. Can somebody can help me with that?
Asked by ute - Thu Oct 8 11:51:19 2009 - - 1 Answers - 1 Comments

A. Health insurance can be very tricky. Since I live in Utah I'm not sure about California laws and regulations, so I suggest you contact a nearby insurance agent. Check out this site to find the best health insurance just in one minute, Here you can get free quotes from different companies in your area, its the best way to find an affordable health insurance with a reliable company. Hope this help,
Answered by unknown - Thu Oct 8 11:53:26 2009

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 Pinsentry - Mon Feb 9 09:37:09 2009 - - 3 Answers - 1 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. Good luck, drive responsibly and I hope this helps!
Answered by Insuranceman - Mon Feb 9 10:13:40 2009

Where can you buy insurance for connecting to the power grid with a wind generator in Texas?
Q. I have a friend who would like to install a wind generator for electricity, but the local power company will not let him connect to the power grid unless he can show that he has a million dollars insurance. Well, he cannot find any company that offers that type of insurance for any price. He has written to everyone he can think of but still no source of insurance. The reason he wants to connect to the power grid is to use it as his storage system so that he doesn't have to maintain a whole bank of storage batterys. Does anyone know where he can get this type of insurance for a system that will be in the state of Texas?
Asked by duncanelectronicstexas - Wed Sep 6 10:36:26 2006 - - 2 Answers - 0 Comments

A. Call your electric company; the folk you would have had to call anyway to get connected & let them know that you would like a reverse meter so that they can measure how much energy that you are back feeding. There is specific wiring for this that has to be approved through your county anyway & it is a safety feature for people working on the lines after a storm so you don't inadvertantly electrocute a lineman who is trying to restore power around you. They will no doubt have the answers that you need or can advise you on where to look for the insurance. The way that you do a million dollar insurance policy is called an umbrella policy on the homeowner's. That isn't hard. It is a property insurance that goes above what the homeowner's… [cont.]
Answered by LadyGrey21 - Wed Sep 6 10:43:53 2006

What the insurance will do if the two parties of the car accident all have policy with the same insurer?
Q. I had a car accident and I believe it was third party's fault. However, the third party and I have policy from the same insurance company. The legal insurance is same as well. What should I do to make sure that the insurance would act without interest conflict? If I use different legal firm, will it be better?
Asked by confuser - Thu Nov 1 13:41:23 2007 - - 13 Answers - 1 Comments

A. You have one advantage in that the insurance company will have both people's versions of the incident and be able to better apportion liability quickly. They should advise you of the conflict of interest under FSA rules. The fact that you are insured with the same insurer does not affect your rights under contract (they must repair your car if you have comprehensive cover) nor does it affect the other driver's rights under contract (the insurance company must pay damages you claim against him - under the liability section, if they think he is at fault). Hopefully the insurance company will quickly decide on who is at fault and pay you your uninsured losses (excess, loss of earnings, injury etc). If not then you will have to look at the… [cont.]
Answered by welcome news - Fri Nov 2 10:29:51 2007

What happens to my insurance after i got a speeding ticket?
Q. I got a speeding ticket for the first time ever. The cop put me down as 80+ mph, which i needed to go 70mph. When my insurance bill comes in, would my insurance be higher? Also my insurance is AAA. I still haven't gotten my actual ticket in the mail yet, and i was wondering if my insurance bill would be any higher until I'm proven guilty, because i know that if i can take traffic school, it won't get any higher & the point taken off. But i was wondering until then, would it still get higher?
Asked by Mei - Sun Sep 27 13:30:04 2009 - - 5 Answers - 1 Comments

A. insurance tips :
Answered by unknown - Sun Sep 27 17:33:28 2009

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

What insurance is needed in Texas to host a non-profit fundraiser?
Q. I am in Galveston, TX and I am looking to host a large outdoor fundraiser for a non-profit organization. What type of insurance will I need to cover the event? Where can I look to find more details and how much does this insurance usually cost? Thanks!
Asked by Begi - Sun Sep 27 13:52:42 2009 - - 3 Answers - 0 Comments

A. insurance tips :
Answered by unknown - Sun Sep 27 17:47:27 2009

What insurance coverage is critical for a business that has little to no customer traffic?
Q. When a business does most of its work online or in the clients location, what business insurance plans apply? Is liability insurance necessary for the office even if clients rarely come to the office?
Asked by just making it happen - Wed Oct 7 02:41:22 2009 - - 1 Answers - 0 Comments

A. Hi, I have found this site to be use full. Check it out ..
Answered by unknown - Wed Oct 7 06:15:56 2009

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 - - 12 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

How does health insurance work in the US?
Q. I am a non-US citizen and need this information to do a case. Specifically: 1) Is health insurance compulsory for everyone? 2) What happens if someone cannot afford it? 3) In the event that a medical procedure needs to be done, does health insurance cover all the bills? Does the patient need to pay anything extra? 4) Does the patient have any say over what kind of procedure he can take? Say if 2 treatments are available for his condition, can the patient choose the more expensive treatment? And if so, is it covered by the insurance? Thanks for reading this. Your help in answering any part of the questions would be greatly appreciated! Thanks to those who have responded so far. I would like to further ask: Does a health insurance… [cont.]
Asked by synchronised - Sun Mar 4 02:13:00 2007 - - 3 Answers - 0 Comments

A. You've asked a very broad question. There is no simple answer. In truth, health insurance works a little differently in each state. To answer your specific questions: 1) No, health insurance is not compulsory for everyone. If you're lucky, you are able to join a group policy at work. (If you're really lucky, it's a good policy and the employer pays at least half of it.) Some states have recently made it compulsory, but that's such a recent change that there's no clear cut answer yet for how that's going to work. 2) What happens if someone can't afford it is... they don't get it, usually. Except if your income puts you below the "poverty level", in which case you qualify for Medicaid. (In some states there are programs that… [cont.]
Answered by ISOintelligentlife - Sun Mar 4 02:38:02 2007

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

From Yahoo Answer Search: 'insurance'
Sat Nov 7 23:52:41 2009 [ refresh local cache ]

 Aaron Broussard orders inquiry into top aide's insurance deal with public ... - NOLA.com
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Aaron Broussard orders inquiry into top aide's insurance deal with public ...

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He wrote that he agreed in 2006 to partner with former Parish President Tim Coulon to share all future commissions from insurance policies sold through ...

Jefferson Parish hospital insurance deal is suspect: An editorial NOLA.com



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Sat, 07 Nov 2009 21:50:43 GM

dear all - this is all way over my head, and i tried to search, but didn't find anything useful and to the point... we gave our paperwork to a very.

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