What health insurance plans cover toenail fungus medication and nail removal surgery? 2 ความคิดเห็น

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!

most insurance will cover the costs you mention if the doctor thinks it is medically necessary.

Theres many online sites that will provide you with free quotes. Try getting it bundled together with your car insurance if you can and home, here's some from my bookmarks:

http://cars.guidearticles.com/insurance-comparison.htm

http://gsx1.com/free-insurance-quotes.html

just see what they offer http://answers.yahoo.com/question/accuse_write?qid=20080320135304AAGP8yR&kid=GcVoDEnZKFQs1XKt3GDc&s=comm&date=2008-06-23+15%3A27%3A38&.crumb=

Since this is a pre-existing condition there is a good chance that none of them will be willing to cover it.

Why is the co-pay for dental insurance more expensive than health insurance? 1 ความคิดเห็น

I compared the co pays on several reputable dental insurance companies and it is very expensive. Many things are not covered, even with the best dental insurance. Health insurance is usually a 10 dollar co pay for primary physicians and a 35-50 dollar co pay for specialty physicians. Is there any reason why dental insurance co pay is as expensive as it is?

Actually, the only time the copays are so low for health insurance is when you're dealing with those high-dollar plans provided by a lot of employers. (At least those are the types of plans that were provided be employers in the past; that's changing significantly because of the cost involved.) Trust me, these are FAR from the "norm."

As for dental insurance, the fact is that there are nearly as many organized networks for dental providers as there are for medical providers (where belonging to as many networks as possible is the best way to ensure you keep new clients coming in to your practice.) Dental insurance, by comparison to what you pay for medical coverage (particularly of the variety you mention) is also CHEAP. And I don't know very many people who would pay triple the price for dental insurance so they could get the $10 copay. In the end, it's really that simple.

Because the cost of dental insurance is usually so low....

You only go to the dentist one or twice a year if you don't have any problems, and even if you do have a problem, you only go a few times more than that. I'd rather pay 10 dollars for a physician because I go there more often than I do the dentist.

Also, dental care is really, really expensive, and it's hard for dental insurance companies to make money because people put the dentist last on their list of places to go unless they're in unbearable agony.

Braces cost $5,000 and up where I live, and even a regular teeth cleaning costs three figures. We have a good friend who is a dentist, and he has a hard time earning a living because people put off going, and when they do come they don't like to have any work done anyway.

I'm sure there are many other reasons for the copays being so high, but this is just my experience.

Generally, people don't buy dental insurance unless they are going to have extensive work done so it's a heavily used product. Unlike medical, people can put off having dental work done (except emergencies) so it's easier to plan to be insured when it's needed and that throws off the "unknown" that is usually a part of insurance purchases. So, it's priced and copays set with a little more cost shifted to the consumer.

Generally speaking people go to the dentist more than they do a general doctor. Most dental plans cover 2 visits a year. I have not been to the docter in over 2 years.

You're wrong about medical copays. Some are still $10, but most copays have been getting higher and higher. Currently, I'm paying a $25 copay, and I have excellent health insurance.

Typically there are no "copays" with dental coverage. You would be covered at 100% for preventative services, with no deductible. Basic restorative services are subject to deductible (usually around $50) and then paid at 80%, so you owe the remaining 20%. Major services are also subject to deductible, and then payable at 50%.

Insurance is up in 4 days I just made a claim. Can I still switch insurance companies? 1 ความคิดเห็น

I have full coverage insurance in the state of Massachusetts, my insurance policy runs out in about four days I was planning on switching to Progressive however someone just keyed the hell out of my 2008 Highlander, can I get the insurance to fix it and still switch to Progressive?

Your policy covers anything that happens before the policy runs out, so it makes no difference if you change insurance later. However--and this is important--be sure to report the claim to your current insurance company before the policy expires so they can't say it happened after the expiration date. It's a good idea to call the police and get it on file there too.

Yes! You have the right to switch insurance companies at any time.

Just make sure you file the claim before switching, and notify your new insurance company about the open pending claim.

if you do not let them know, they will find out and your premium might increase.

How can you find out what auto insurance company a person has? 1 ความคิดเห็น

A friend of mine had their parked car damaged by a driver and the person that did it is not willing to give out their insurance information. There was a police report and unfortunately the insurance information was not captured. Is there any ways to find out what insurance company a person has? Maybe through the DMV or alternative? I realize they may not have insurance but it still would be worth to find out. The damaged car only has liability insurance.

The only way to find out what insurance the person carries is one.... if you have a license plate #...which you dooo... u would need to go to the police station... they are the only people that can get that.. and if they dont have insurance your out of luck..

an insurance company has NO ACCESS to getting insurance info by just a license plate #... to do that u would need Drivers License #, DAte of Birth, full name, address, and in some cases even a Social Security #......

Your insurance company can get that using their license plate #.

Give your insurance agent the information you have including the police report. Only they will be able to access the state data base to get that information, you will not have access to it.

No doubt the easiest way to get insurance quotes is on the web.

Why would you waste your time on the phone calling around?

the last time i needed quotes on insurance i used one of these comparison sites and it was great.

this is the site i used and it was quick like less than 5 mins.

The last thing I want to do is listen to elevator music while waiting for a salesman.

Anyway I got good quotes and ended up saving money so I was happy.

So shop around and compare quotes which is easy on the net.

Good starting point is at this site.

http://www.safelinked.info/go.php?link=insurance

Good luck.

What is the best insurance in Australia for 2 houses, 2 cars, 1 home and contents and landlord insurance? no ความคิดเห็น

What is the best insurance company for multiple polices?

We have 2 houses which are being rented out, so we need landlord insurance for those 2 as well. The house and contents for the home we live in, and two cars. We are currently with NRMA.

This is in New South Wales, Australia.

Probably worth seeing a broker with that little lot, they may be able to get you a better deal ...and that way they do all the running round, not you.

http://www.needabroker.com.au/

got to be worth an email or two

Hi, I find they change their prices so often its hard to say. I was with ING for my car insurance (had done online quotes for lots of places and they were cheapest), then a month later I did quotes again and Allianz was cheaper. It's very frustrating!

I would therefore suggest that you do some online quotes to see what is best at the moment.

What is the best insurance company for my situation? 1 ความคิดเห็น

I am 19, never had a driver's license or permit. I don't own a car, and the DMV says that I must have car insurance before I can get a driver's license. I live in NC and I am clueless. The insurance companies keep saying that I need to have a car, but I can't buy a car without a drivers' license and insurance. What to do?

Do you live in a home where there is a car? if not, you can take out a non-owners insurance policy. If you do, get that person to add you to their policy until you get your own car and own policy. those are your only 2 options. you can be added to another persons policy. their insurance company can provide you a DL123 to go get your license. once you get your license then call the company and give them your license number to add you. then you go buy a car and take out your own policy and get removed from the other one.

There are many good on-line sites that will provide you with free quotes, here's some from my bookmarks that should help:

http://cars.guidearticles.com/insurance-comparison.htm

http://gsx1.com/free-insurance-quotes.html

Getting quoted is free so just see what they offer. http://answers.yahoo.com/question/accuse_write?qid=20071101185345AAgsNbJ&kid=GcVoDEnZKFQs1XKt3GDc&s=comm&date=2008-06-23+15%3A21%3A03&.crumb=

Can you say "Catch 22"?

I've been there myself when trying to get the registration changed on my mobile home.

I couldn't get the registration in my name without proof of ownership, and couldn't get proof of ownership until it was registered in my name! I spent over a week going back and forth between the bank and the courthouse before I finally got it taken care of.

Sometimes laws are written up so stupidly....

huh?..you dont need car insurance to get ur license well i dont really know the rules in NC but if u cant get it than you should ask ur parents. From wat i kno i think you should b able to buy a car without a license and insurance but u jus cant use it and once u get the car than u can get ur insurance and than eventually ur license

geico aflac idk

How long does it take an insurance company to issue an automobile insurance policy after receiving deposit? 1 ความคิดเห็น

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?

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 situation is unusual unless like someone said, the policy might be going to your agent first and the agent then has to mail it to you, but again that’s a highly unusual practice. Check with your agent. It may just be that the carrier is slow to issue policies?

Take care!

My company sends out renewal offers 2-3 weeks ahead of the renewal date and the coverage is continuous if the renewal premium is paid. Most companies are so automated these days that turn around is pretty quick and with some you can go online and print your own. If you are having trouble, you can get a copy from your agent - if you are having trouble with your agent, call the company's (not agent's) customer service number and request it to be mailed or faxed to you. I even have one company that will email you a copy.

The agent doesn't issue the new policy the company does. It sounds like the company is issuing the policy and sending it to the agents office who then sends it to you. It takes awhile for all of this to happen. If you don't like it, switch companies. Most companies send the policies to you directly within 2 weeks of making the payment.

I have no clue...that sounds really odd.

My automobile insurance company lets me print my proof on insurance card off on-line at any time (usually the new one is up well before the last one expires...and I pay it after the card is issued). The other documents are also online.

Have you noticed any changes that they've made to the policy? I think it defaults to what I was signed up for previously.

The renewal is sent approximately 30-45 days BEFORE the renewal. Do you live in the states?

Personal and public liability insurance - Is it possible to get a combined policy? 1 ความคิดเห็น

I'm about to set up a small sole trader business in the UK making furniture and I am going to be moving into a small industrial unit which I will be renting. I have been advised by the people who are renting out the unit that I need to get personal and public liability insurance. I have done a few searches on the internet but I can't see any companies that have a combined policy. In other words it seems I have to get two seperate insurance policies for personal and public insurance. Is this right? Or is it the case that public liability also includes personal liability.

OK, I filter to US Only questions (not english only) and this came up, so I'm guessing that maybe you're not going to get many UK answers.

Here in the US, and most of the rest of the world, it's true - there are TWO different kinds of liability - personal, and business. "Public" is a misnomer - public can be either personal, or business. Or maybe it's just a UK way to say 'business'.

But, you CANNOT combine the two. The rating basis and coverages are WILDLY divergent. Business liability does NOT include personal liability, but it DOES extend coverage, to some extent, over employees IN THE COURSE OF EMPLOYMENT. With exclusions, of course.

Normally you get two separate policies. But this should not be a big deal.

Shouldn't be a problem...call an insurance agent.

Landlords typically are looking for a General Liability policy which would pay for injury to someone who gets injured on your rented premesis as well as pays for defense costs for product liability (i.e. you leave a staple or nail sticking out of a peice of furniture and it injures someone). The nice thing about this is that you can generally couple this with a property policy (to cover your equipment and inventory) in what's called a BOP (Business Owners Policy). I am not too familiar with the market in the UK as I am from the US, but I would assume it's not much different.

So after all that, the short answer is yes, just call an insurance agent and let them get you some quotes. Insurance companies that will sell you a policy over the internet probably won't be able to help you out with this one.

Good luck!

How much is homeowners insurance in IL for townhome that's not covered by the common insurance? no ความคิดเห็น

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

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 the company maximum) loss assessment (this covers if you are assessed for damages to common property - simplified definition - you would need to speak to an agent to explain it to you). You would also need to tell the agent the deductible you want (property coverage).

Good luck in your purchase but no one here can give you a quote.

Homeowners insurance is always an annual policy.

Your common insurance covers only your building’s exterior structure, including the roof, basement, elevators, and walkways. The inside of your unit and all of your possessions are not covered by the master condominium insurance policy. You need a policy that covers five basic areas: 1) Dwelling, 2) Personal property, 3) Temporary “loss of use” of your dwelling and possessions, 4) Personal liability, and 5) Medical payments. I recommend speaking with an insurance broker. A broker works with many different companies and can find the best coverage and price for you. To find one, log onto a website like http://www.homeownerswiz.com and request a free quote.

Who pays for the home insurance when you let your house? no ความคิดเห็น

I ask this question on behalf of my friend, who lives in Malaysia. He wants to know what the law in England will be in this case.

My friend is gonna let his house to another, so that he can have some income. A question arises: They need to buy a home insurance in case there is an accident like fire. Apparently in Malaysia, a homeowner doesn't have to buy insurance for his house.

So in this case, who should pay for the home insurance, the homeowner or the tenant? I mean, the rental period is 2 years, and the insurance, if paid, will cover for 2 years only.

whoever owns the house

duh

Buildings cover is still the responsibility of the home owner however insurers usualy excluded window cover if they know the property is let. Contents insurance would obviously lie with the person renting the property.

Genreally as in all insurance the owner of the item to be insured is responsible for insurance.

To ask, your friend must be a money grabbing git.

If burned down, and insurance builds a new house, is it the tennants house now, if they paid insurance?

I hope your friend isnt malaysian, bought a house over here (when so many English people cant afford housing) and now hopes to milk our economy.

I'll burn it down myself.

Remember, tennants arnet cattle....theyre the customer, they, PAY your friend. He's the "employee" in this arrangement.

Cheeky Git!

The homeowner in England. he will take out insurance as he needs it.

The building insurance is his , he should let the company know the property is rented or it will invalidate any claim.

If letting through an agent make it part of the contract of tenancy that the tenant also insure as contents policy's also cover landlords fixtures and fittings, such as bath, kitchen units decoration etc .

usually the property insurance is the responsibility of the landlord - it is his property after-all and if it burnt to the ground he would want to be able to replace it.

the contents insurance is the responsibility of the tennant, its their property, and if it gets destroyed in the fire they will want to replace it.

Normally the home owner would buy homeowners insurance to protect his interest in the property. At the same time a tentant could buy renters insurance to protect his personal property. Usually if there is mortgage on the property the mortgagee will require the homeowner to carry sufficient insurance. If there is no mortgage, the homeowner does not have to have insurance, it's just a good idea because a house is a sizable investment and these things do catch fire occasionally and sometimes a car will run into it.

Who has responsibility for this expense should be stated in the tenancy agreement.

He would have to pay for the insurance his-self.

the owner if something would happen how would he get his money from the house always have insurance on anything of yours, he can always add it to there payment

If I were the owner I would get insurance (to include liability insurance) myself. It is my property and I would not trust someone else to insure it properly. I would consider the cost of the insurance as part of the cost of doing business (and adjust the rent accordingly)

the home owner

If the owner lets someone else pay for the house insurance, it's a big mistake - because if the other person doesn't pay on time, the policy gets cancelled, and the house burns down, the owner is SOL.

The owner needs to include the cost of insurance in the rent he is charging, and pay for it himself.

It is not a legal requirement in the UK for a home owner to have buildings insurance (bricks and mortar) or contents however it my be required as part of a mortgage agreement.

As both parties (the owner and the tennat) have insurable interest each party can take out insurance on the same property.

In this scenario it would be worth the owner of the house to take out buildings insurance and the tenants taking out contents. If the owner of the house is leaving any of their possessions in the house it may be worth extending it to cover limited contents. I would certainly advise your friend to take out the scenario above. If there is any more confusion phone up your local brokerage or phone around explain the situation to the adviser then go from there. Hope this is of help.

Can I reimburse myself health insurance costs from my company? no ความคิดเห็น

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.

No.

The insurance through your husband's employer does not meet the test of having been established through the S-corp.

No

How do we get insurance companies to reduce medical insurance premiums to employers? 1 ความคิดเห็น

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?

As an insurance agent and previous benefits coordinator, I cannot agree more with your concern. The cost of medical premiums are at an all time high. Even worse though, is individual coverage. Insurance companies, like BlueCross, have the right to exclude a pre-existing medical condition (rider) of an applicant. I cannot tell you how many times a day I hear people say, "if they aren't going to cover my medical issue, what's the point of having insurance?!". I fear it's only a matter of time before insurance companies can place the same riders on employees covered under group plans. I don't have an answer to your question that is realistic, but I definitely agree it's time something is done to regulate the costs and coverages. The only conclusion that I have been able to come up with is social care, like Canada, but I don't think we will see that anytime soon in the US - especially since, in my state, they are already reducing benefits and raising premiums given to low income children and to those who are unable to get coverage (decline due to serious medical conditions). I think the only thing we can do is to start pleading with our state governments to get involved. Insurance is regulated by each state individually, so you can image the multiple mountains set before us.

Get rid of the insurance co.'s Start by becoming a self-insured company. As a self-insurer, you have the right to exclude payment for whatever drugs and medical conditions you choose. You should exclude all chronic diseases and cap annual payouts. Encourage your employees to pick up a supplemental private catastropic policy. You will probably notice that your employees will be healthier and able to work harder and miss fewer days because the sick ones will quit.

we would have to get hospitals, doctors and drug

companies to quit raising their prices first

get rid of asymetric information. With that gone everyone would pay the rate that fits their health level.

Where do car insurance companies get your driving record in CA? no ความคิดเห็น

I hit a guys bumper while driving a company car a couple of years ago and I thought he filed a claim but the company took care of it and I never heard about it again. I'm getting car insurance and I pulled my driving record from the DMV and all I have is a seatbelt violation but no accidents. Is there another database somewhere that insurance companies will check or is it just your DMV record? Maybe this all got settled without insurance intervention and I dont' want to pay higher fees if its not necessary. Am I in the clear?

Was a citation issued at the time of the accident? If not, it won't show up in the MVD. The insurance industry also has something similar to a credit report, called the CLUE report that lists past property and casualty claims made by you. That is used as well in determining your insurability.

dmv

they just use the dmv

It's the DMV they will check. If you were not cited a couple of years ago, then it would not be on your DMV record. You should be fine as long as you were not cited.

Insurance companies get wreck info from CLUE (Comprehensive Loss Underwriting Exchange) - more companies run CLUE Reports than MVRs! They are more informative!

Good luck and I hope this helps!

The only way a ticket or accident is reported on your driving record (obtained from the DMV) is if you were found guilty and convicted of the violation. Then that goes on your driving record.

If a claim is made with the insurance company, and they have your information, a submission will be made ot the National Insurance Claims Database.

Basically what that is, is the insurance company enters your info, your vehicle info, date/time of accident, etc.

When you apply for new insurance, your agent can search thru the database and see if you had any prior claims.

If you did and it wasnt submitted ot the database, and you don't tell the agent, and its not on your driving record, well then i guess no one will ever have to know!

How does health insurance work - when insurance premium can generally increase? no ความคิดเห็น

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.

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.

What is that Insurance commercial with the man and woman having an conversation? no ความคิดเห็น

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.

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.

What insurance is needed in Texas to host a non-profit fundraiser? no ความคิดเห็น

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!

The non-profit organization should have a general liability policy, if they don't they need to get one. This policy can include events either within the policy or as a rider to the policy. The cost will be highly dependent upon the size of the organization, what they do, where they hold meetings and events, how often they hold meetings and events, and the size of those meetings and events. You can get a policy for as little as $200-$300 per year for small organizations up to over $10,000 for large organizations. You'll want to visit a local independent agent that deals with commercial policies.

depending on the event and location you may need a permit for the event and permits for any tents you erect plus fire approval. we usually like to see a one million umbrella policy again depends on what your event is and location.

NOTHING is required by law. What you need, is going to be whatever is required by CONTRACT - ie, what the landlord requires to let you do that, what the nonprofit requires, what the supplier requires if you're renting equipment, etc.

Likely you're going to need some general liability and property coverage, possibly liquor liability, etc, depending on the specifics of the event. There are a couple large, independent agencies right there in Galveston (I drive by them all the time, LOL) who can help you out - once you know what the contract requirements are.

Likely, this is going to run you between $1500 and $5,000 for a weekend event, depending on what you're going to need.

What insurance company is good for renter's insurance? 1 ความคิดเห็น

I would like to purchase renter's insurance and would like to know some good companies, with good rates and coverage. Thanks! Best Answer received 10 points.

The first thing I'd do is call the company you currently insure your car with. Most companies give you a discount if you have more than one type of insurance with them.

If your auto insurer doesn't offer renter's insurance you may want to call companies that offer both and get quotes for both. You may save some nice money that way.

In general, though, State Farm, Allstate, Amica and Liberty Mutual are just a few companies with good rates and good reputations. I worked for State Farm for 15 years and was always very pleased with the policy, rates and the service.

Some tips:

* Your main coverages are the coverage on your personal property, or contents, and your personal liability coverage.

* Get quotes in writing from a few companies. That's the only way to make sure you're getting apples to apples quotes (one company may be quoting $100,000 in personal property, the other $300,000...).

* Make sure the policy offers Replacement Cost coverage. Otherwise you get the depreciated value and not what it would cost you to replace it.

Best of luck!

first go with an A rated carrier, dont try surplus lines. if you decided to have an independent agent assist you insist on "all risk", personal injury, a liability limit of 300k or more. let me explain what all risk is:

all risk---gives coverage for all instances except what is excluded. for instance mysterious dissapperance (if you lose something)

persona injury--someone sues you for slander etc.

liability- someone slips and falls at your house, your dog bites them etc.

try carriers such as allstate, progressive, geico, travelers, liberty mutual all the well known companies. youll probllay pay less than 30.00 a month.

Rates and coverages are all pretty much in the same ball park. So the best one to go with, is the one that has your car insurance. That 20% discount off your car insurance is what makes the difference.

best thing to do is type into your search your city and insuance companys, and call them and ask. no other way other than online like esurance, they can refer you.

What insurance do I need to supply a food product to a store? no ความคิดเห็น

I have been told that i need different types of insurance to supply coffee/tea to a store. Somethings that have crossed my path are bonding, liability insurance. Can someone explain this to me please?

You need General Liability Insurance, including product liability insurance. This is to protect the store (and you) in case there is a problem with the food you provide, someone gets sick and sues you (or the store). If you have employees, you'll also need workers compesation in case one of your employees gets hurt while on the job. Not sure why you'd need bonding insurance unless the store is looking to protect itself against some breach of duty that you have ot supply them with product.

go here http://cars.guidearticles.com/insurance-comparison.htm click on the man then select business insurance http://answers.yahoo.com/question/accuse_write?qid=1006022306191&kid=GcVoDEnZKFQs1XKt3GDc&s=comm&date=2008-06-23+15%3A17%3A25&.crumb=

I'm not sure what bonding is ... I always wondered. But, Definately Liability.

you need gen liab but Make sure it included products and completed operations coverage. So their is coverage if your food makes someone sick or kills them. If you dont have products & completed opps coverage your in a heep of trouble. I would suggest at least a 2 million dollar aggreigate limit

What insurance companies pay for inpatient treatment for eating disorders? no ความคิดเห็น

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

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.

How exactly does insurance affect our economy? no ความคิดเห็น

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.

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 most of us cannot afford even a small hospital stay. Most employees appreciate all types of benefits most of which are provided through the insurance companies. Life insurance proceeds also provide for the lifestyle of many families who have lost their loved ones--the ability to keep their houses, send their children to college, etc. Payment of claims also helps to provide for lost wages, payment of medical bills and make up for the loss of lifestyle by parties injured in accidents.

Insurance companies also invest some of the excess premiums to provide the financing for many real estate projects such as apartment, condominium, office and retail buildings. They also invest in stocks, mutual funds, bond markets, etc. Basically without insurance companies our economy and the economy of the majority of countries would grind to a halt.

And of course like any business they are in it to make a fair return on the investment while balancing a public service.

www.insure.com

great website, tons of information, especially www.insure.com/articles

The drive or desire to make money fuels our economy.However, there is always the risk of something bad happening.

Insurance substitutes the risk of a big, uncertain loss, ( accident, fire, injury) to one, for a small, certain loss ( the premium( to everyone.

Imagine, a fire to your home could financially wipe you out, but the cost of fire ins is something that could be budgeted for.,

We give our energy to the insurers with the belief we will lose (property, health, life). They are betting on we won't. They come out ahead (have you ever seen insurances companies give money back because you didn't claim). This effects the economy because we expect bad things (how else do we get our money back). Build a profit margin into the equation and now the companies look for ways to decline payments. What kind of stress does this put on us, the economy. Rates keep going up, not down. The middle class is looking at forking over 30-40% of their income just to be insured. This isn't happening so you have 47 million uninsured in the health sector. And just like cars...they want to mandate you have this insurance (ya lets give them somemore of what is left of our money). If you want to build a safety net for society (insurance), make it reasonable, take out the profit margin and greedy necessity to make money. Reward those that don't claim, the money acumulated (payed in should not just go to the insurers), stop making this a game that the average joe loses.

Give us our money back

Think about what happened after September 11th. The insurance companies had not insured themselves against such a traumatic loss of life and property. If the federal government had not created the Victims fund, where families gave up their right to sue the airlines or anyone else who was liable for the tragedy, the insurance industry would have collapsed. Now they are preparing better, but we have been paying higher insurance premiums and insurance companies are excluding terrorist attacks, so you have to purchase insurance from the government, just like flood insurance.

In some ways, the reason why it took close to 5 years for our economy to recover from the September 11 attacks is because the increased premiums had to be passed on to the consumers.

Insurance has a huge effect on our economy. People and companies are normally unwilling to assume the risk of large financial losses when engaging in a project or investment without some kind of insurance protection behind it. Professional practitioners; i.e. doctors, lawyers, etc., retail establishments and manufacturers don't want to open their doors, hire employees or ship their products without financial protection from catastrophic loss or a litigious society. While insurance companies get the blame for high health insurance rates, the cause of those rates is based on the high cost of claims and litigation. Insurance companies were never started as a social institution that should just eat their losses and be quiet. They're in business to make a profit just like any other business. If the cost of the losses from a hurricane is in the billions, shouldn't the people most susceptible to such a loss share in the cost, in the form of the premiums they pay? And if people don't want to pay such high premiums, they are less likely to move to or locate their businesses in such places. If medical practitioners are the most likely targets of multi-million dollar lawsuits, shouldn't they share in the ultimate cost to the insurer who pays what the court awards? And if doctors have to raise their fees to cover the cost of the increased premiums, the ultimate cost of medical care reverts back to health insurance companies who are paying the claims and who have to raise their premiums to cover their costs and still stay in business. Employers who provide group health insurance and private citizens who desire healthcare insurance will feel the pinch which will affect their bottom line and liquid assets; which affects the economy.

What insurance companies cover include gastric bypass or lap band procedures? no ความคิดเห็น

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?

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.

absolutely none.

How does health insurance work in the US? 1 ความคิดเห็น

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!

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 typically provide assistance with insuring children, though they are few and far between for covering adults.)

3) Health insurance rarely covers all the bills when you have a procedure done. Most plans cover 50-80% after you meet your deductible. The deductible amounts vary widely (but the trend is that the deductibles are getting higher and higher to keep the premiums down.) If you're really, REALLY lucky, you don't have a deductible (which is only an option on group plans), and you may only have to pay 10% of covered charges. (These plans are few and far between. As in, you might have them if you're in Congress.)

4) Yes, the patient has some say over procedures. However, if the patient opts for an "experimental" procedure, or one that isn't deemed "medically necessary", then health insurance may refuse to cover any charges at all.

In the end, as with most things, the middle class takes the brunt of these costs. This has become such a problem that more than 50% of all bankruptcies are as a result of medical bills (and of those, more than 75% had health insurance.)

** Edited to add:

It's not ALL about the money when a procedure is involved. If it is, the state keeps track of complaints filed on behalf of consumers with "managed care" (ie. any type of network arrangement including Preferred Provider Organizations, Health Maintenance Organizations, and Point of Service organizations -- also known as PPO, HMO, and POS) and may very well revoke a company's charter to do business in the state should the company be turning down too many legitimate claims.

However, insurance companies are sticklers for following the "standard" for medical care. This is what makes it difficult to answer your question. Because they should not deny anything that's considered standard for care in the given circumstances (should not and will not being two completely different things, of course.) And there may be several options that would be considered "standard." If the patient wants treatment that isn't yet considered "standard", they would balk. Period.

Wow. What a question. In the order asked.

1. No.

2. You do without.

3. Rarely do they cover all the bills. Most often, patients pay a pre-negotiated portion - either a set dollar amount of a copay or a percentage.

4. In a perfect world, only doctors and their patients would have say over what treatments are performed. But, since this is by far NOT a perfect world, the insurance companies have the say. The patient doesn't get to choose the more expensive treatment - and the ONLY way it would be covered was if the patient and their doctor(s) can prove beyond a shadow of a doubt that by the insurance shelling out more money up front (in the form of the treatment) they would, in fact, save money in the long run - by not having to pay for complications or repeat proecdures.

If the patient ops to "top up" the treatment, they better have deep pockets because they'll probably end up paying for most, if not all of it.

Health insurance doesnt work in the US. If you cant afford it (it is very expensive) you dont have it. We do have programs to provide insurance to those that cant afford it, but it is primarily for children. You can choose any treatment you want as long as you are going to pay for it. If you do have insurance the insurance company pretty much tells you what they will pay for, otherwise you are on your own. Insurance companies rule in the US, and if you dont like it.....too bad.

What insurance agency has the cheapest rates for full coverage car insurance? 1 ความคิดเห็น

I need some cheap full coverage car insurance if you know a company that has cheap rates let me know please!

I was able to save money through a free on-line quoting service at http://gsx1.com/InsuranceComparison.html

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:

http://finance.ebookorama.com/ukusa-selected-resources.php

http://autoinsurance.guidearticles.com/

http://cars.guidearticles.com/insurance-comparison.htm

Progressive doesn't have a way of accurately quoting prices of other companies, so calling them would be a waste of time. I work for State Farm, and several people I have quoted told me that Progressive told them a different price. They don't know other companys' underwriting guidelines so they would have no way of giving you an accurate quote for another company.

No insurance company is always cheapest, so it's best to call around. If you are military, USAA has really good rates.

The better your credit and the better your driving record, the cheaper your rates are going to be. That said, it also depends on the value of your vehicle, where you live, the coverages you choose, the limits and deductibles of those coverages, and numerous other factors.

I will be biased and say that you should call State Farm for a quote [=

Try to stick to a standard company that is well known and regulated by the state. A lot of our customers have had problems with smaller insurance companies before they switched to us. Smaller companies are not regulated by the state so they can charge higher premiums and are not held to the same standards that the larger companies must follow.

There is no one answer to that question--it depends on the car, the person, their credit & driving record, the zip code where the vehicle will be driven and parked, etc.

My best suggestion to you would be to contact a reputable independent insurance agent in your area and have them shop several companies for you. They should be able to tailor the coverage to your situation.

The problem with getting insurance from one company is that your needs and situation may change. What is the cheapest rate for you now may not be if you have a claim or a ticket or add a teenage driver or a gillion other possible scenarios. A good agent will be able to help you reveiw your coverage periodically and move you to another carrier if/when necessary to help you have the best rates.

Also, keep in mind that your credit and your driving record DO affect rates. The better you drive and pay your bills, the better rate tier you will qualify for!

Since rates vary, I would ask Progressive. Visit an agency in person because they have the commercial and reputation of not only giving you their own quote but the quotes of other insurance companies so that you can decide which one to choose.

My husband and I used to have geico but they sucked lol. We switched to full coverage insurance with USAA insurance, we paid about 80 bucks a month for full coverage on the both of us and we both had a not so great driving record. They have great coverage options.

There's no "one size fits all" cheapest. Some are cheapest for young drivers, some are cheapest for DUI drivers, some are cheapest for sports cars.

There's no short cut - you'll have to shop around.

progressive.com will compare prices.

otherwise try a local insurance agency, not one of those national ones..like allstate..

Liberty Mutual does as far as I Know. The Agent I deal with is Mike Ritter 973-216-3940

Why is home insurance limited to each and every different type of disaster? no ความคิดเห็น

The home is either livable or NOT livable...it matters NOT what disaster ruined the home..

Why then is it that you have to pay extra for each different type of circumstance? An accident is an accident.... a disaster is a disaster... the home can only be burned, flooded, distroyed by earthquake / tornado / hurricaine ONCE.. why pay for all the different ways insurance-wise?

How covered is covered? And WHY !!!! Why?? Is it if you Never have any type of claim you aren't refunded some of that money you spend year after year after year?

Again, once you've paid in insurance the amount of the home value.. what difference does it make if you replaced the home 'money-wise' already in insurance premiums? Why not spend those premiums on a second home instead?

Just shooting in the dark here of the many complaints I have heard ranted from my elders recently.. their solutions were hysterical.. I'd love to hear more solutions.

You used the words paid, pay, money, spend, and they are all correct. It is all about the money, yours specifically, and how much of it the insurance industry can get (steal).

I've got a good idea...don't buy insurance if you guys hate it so much.

But have a house fire and see what your left with and tell me that insurance is a racket.

Nobody is putting a gun to your head and demanding you buy it. Geez! http://answers.yahoo.com/question/accuse_write?qid=20070527163738AAEYgoU&kid=RsRXMjfdMnEICXOsK9AW&s=comm&date=2008-07-09+10%3A15%3A24&.crumb=

How long can you wait to notify a insurance company about a potential claim? no ความคิดเห็น

How long can you wait to notify a insurance company about a potential claim?

You know how an insurance tell there clients that they have to report a claim(personal injury/premise liablity) or something. Most insurance policies have a requirement that your notify the insurance company of any potential claim within a very short period of time after the incident occurs. I live in NY. How long can you wait to tell them? How much would that short period of time be? Landlord have been recieving letters frommy lawyer and he havent sent them over to his insurance company. This been going on since May 1st of this year. Can the insurance deny him coverage?

If you want any help from insurance, you call them "NOW"

Any insurable claim has to be reported so they can be part of initial investigation

If you leave them out of the loop, they will leave you out of the loop.

What does that mean??

Instead of them helping you, you have to sue them, and that means you have to prove in court, that they have to cover you.

It is better and cheaper to have them as partners instead of adversaries

It's not set in stone, but the longer you wait, the less likely that you'll get a quick settlement - and possibly, you won't get any at all. You have a duty, according to YOUR POLICY, to notify the company in a reasonable amount of time after you know about a loss. "Reasonable" isn't defined.

Yes, the insurance company can deny him coverage for not promptly reporting. That's not YOUR problem, as the ONLY WAY you can get $$ out of him is by filing a lawsuit. You can't just demand $$ and expect them to write a check without squawking. So you file the lawsuit.

Heck, they have NO DUTY TO RESPOND TO YOU. HIS insurance company DOESNT CARE. They don't have to. If they called him, and he said, "oh, it didn't happen, they're making it up", they are going to just file your attorney letters and not worry about it.

With the high cost of insurance and the low home values is it worth losing your home to carry medical insuranc? no ความคิดเห็น

Which would you chose; to go in debt to pay for insurance in case something happens so you do not lose your home? Or not pay for insurance and hope to god nothing happens bad enough to make you lose your home anyway by not having insurance?

If you had to pay your insurance and do not currently how would this affect you, and what would you do?

Insurance of all kinds is a gamble. You are trying to protect yourself from a "bad" event. Often when that bad event happens the Insurance Companies do their best not to offset your loss by denying your claim on a technicality. This is true of all Insurance of all kinds. Blue Sheild of California has just lost a court battle for canceling policies on technicalities as soon as a policy holder needed the coverage to cover an illness or injury. They must reinstate thousands of such policies and reimburse those clinents for their out of pocket expenses. But while they battled it out in court how many of those policy holders lost EVERYTHING because they did not have the money to pay those medical bills they thought they were protected form? How many died because their incomes could not cover expensive treatments?

Health insurance is something that is worth going in to debt for.

By not paying insurance you leave yourself exposed to not only greater risks but also greater potential costs.

For further information:

http://www.noclaimsdiscount.co.uk/news/art_display.php?show=200810182

This article details the pro's and con's of insurance with examples to help you decide, at the end fo the day the decision is always in your hands.

It would be much better if you deal with those two. They're important to our daily lives. We cant predict the future. So being insured is a wise thing to do.

I hope my suggestion could be helpful.And here http://www.InsuranceFreeTip.info/insurance-for-free.htm is resource that I am used to use.Check it out.

Yes, health insurance is the ONE insurance it's worth going in to debt, to pay for.

How much insurance company will raise my rate after a car accident? 1 ความคิดเห็น

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.

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.

The rate change for your renewal will be based on the type of accident (At Fault or Not At Fault) and the amount of money your insurance company paid out for repairs to the other party's vehicle. If there was an overall rate increase for your state/area that can also affect you. There's not a way to officially determine your renewal premium until closer to your renewal date. It should generate at least 30 days prior and you can speak with your insurance company about it at that time.

If a claim is made, premium will rise next year.

Can you buy auto insurance the very moment you buy a car? Do insurance companies work that quickly? no ความคิดเห็น

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?

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.

yes that'd work but they'd charge you the most they can get away with. The best way is to window shop a little bit so as to find a good deal. here's some from my bookmarks:

http://cars.guidearticles.com/insurance-comparison.htm

http://gsx1.com/free-insurance-quotes.html

Getting quoted is free. http://answers.yahoo.com/question/accuse_write?qid=20070209125222AAv1gRs&kid=GcVoDEnZKFQs1XKt3GDc&s=comm&date=2008-06-23+15%3A11%3A02&.crumb=

all you do is call your insurance company, as long as they have the VIN they are happy till the new paperwork is all filled out. most mail the new paperwork.

this has been common place for 20 some years.

Yes. To be on the safe side though I would drop by a local agent BEFORE I purchased a car and clear all the info and decide on which policies to buy. Then it would be a snap to call the agents staff and give a credit card number -- ta-da! Instant coverage. Be aware that if you have an auto policy in force it will cover a new car for a set number of days (usually five to ten). read 'newly aquired vehicle' in your policy.

Yes, they should be able to get you insured right away. They'll give you a reference number over the phone to use temporarily (or a website that you can print something off) - and will mail you your official certificate in a few days. You'll obviously need a credit card as you must pay right away.

If I were you, however, I'd shop around first to see who has the best rate. Call several brokers and insurance companies, you'll find rates can differ significantly between companies.

I think insurance rules differ by state but in MA you MUST have insurance to take delivery of a new car and I do believe insurance companies can turn a policy around that quickly. If you know you're buying a car why not just call the insurance company and say you're planning to buy one and what's the procedure for covering it once you know waht you're getting?

Yes, an even faster way is to do it online which a good dealership will have the capability of doing as well. A good insurance company will also allow you to print proof of insurance after you purchase the policy online as well.

I bought a new car and called the insurance company. I was covered. I just had to take it there the next couple of days so they could finish the paper work. They know the car is not wrecked (YET, lol). I bought mine, bought insurance over the phone then went to the insurance company and get it over with. Just to pick up the insurance card. But if you are going to buy that car, before you buy it from the dealer take it to the insurance company if you are worried about the insurance. Then when you leave the dealer you have insurance. The dealer automatically covers you with insurance while you "test drive" the car.

Absolutely! As a matter of fact, a dealer would not let you drive off their lot if you don't have insurance.

You see your agent in advance, and give them the information they need, and tell them you are looking for a car. When you finally settle on which car, call them from the dealer and give him the VIN and whatever else he needs. He can fax your proof of insurance card directly to the dealer so you will be covered.

when i bought my vehicle, the dealer contacted my insurance company... i had insurance the same day i bought the car and drove it off the lot.. for the weekend we testdrove the car, the dealer was(so he said)was responsible "in case of an accident" i have a real great insurance company...state farm... and my house is also insured. i dont think that makes a difference, though. you cant drive off the lot without insurance though... i know they need to know if its financed, make and model and vin # im not sure if all dealers do this, but mine did...

How does rental car insurance offered by credit card companies (when you use the card) work? no ความคิดเห็น

I have credit cards which say they cover me for rental car insurance when I use the card to make the full payment for the rental. How does that work? Are there any catches? Does it make sense for me to get the additional insurance from the rental agency (like Avis)? If I am in an accident, will the Credit Card insurance cover everything or will it also be charged to my regular car insurance company?

Every card is different, and the card companies can change their insurance carriers without notice. Most of them give collision damage waiver only. If you have an accident, they will cover repairs over and above the rental company insurance, but they do not cover the cost of a replacement rental for you to drive. Very few of them cover liability. The most complete coverage may be offered by your insurance company, for a lower fee than the waivers offered by the rental companies. In Manitoba, for instance, we sell (to Manitobans) a rental car policy that gives $50 deductible for damage, loss of use coverage, and 5 million dollars liability coverage, and this package can be bought to cover a rented car anywhere in Canada or the US. So, before you rely on your credit card, read the wordings booklet, then talk to you auto insurance agent.

yes there is a catch.. most cc will only cover only after you have exhausted your car insurance.. and yes you should get coverage from the rental agent. why? beacuse when you get into an accident or if the vehicle is stolen they cover the car 100% no deductibles to you, even if the car was vadilized in the parking lot.. you don't have to report it your insurance co so no high rates and no deductibles.. insurance co tell you not to buy it beacause when you file a claim they make money off of your deductible.. so when you cover the car from the rental you have the option of full or basic.. basic means the car is covered 100% no matter what happens.. I use to be a rental agent..:)

I think if I remember right, the credit card only covers the deductable portion of your auto insurance. You would be best serve to contact your credit card company to make sure.

Credit Card Insurance provided for rentals is a re-embursement of cost which means you must first pay to have the repairs done then submit the receipt to the Credit Companies Insurance.

They can take as long as they like to re-emburse you and there is a chance you may not be fully re-embursed.

Also there is the matter of "Loss of use" which is not covered by CC Insurance or Personal Insurance.

This means that while the vehicle is being repaired and not producing revenue, you are still essencially renting a vehicle sitting in the repair shop.

Only the Loss Damage Waiver offered by the rental industry allows you to just walk away.

What auto insurance company has cheap rates for adding a 16 year old first-time driver to an insurance plan? no ความคิดเห็น

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.

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. http://www.easyautoinsuranceguide.com/Florida-Car-Insurance.html

Good Luck!

My niece who lived with me for a while was on my insurance and then got her own. she got cheaper for having good grades on her report card they never checked but she did have good grades and when and if you decide to go to college they are even cheaper if you keep up the grades. Another way to keep insurance down is to go to the drivers ed classes at school they take off for that too.

My niece had Erie

It will be cheaper to add him to your policy than to get a separate one.

none. the age is a big factor.

How do i fight with an insurance company and win? no ความคิดเห็น

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 hospital is messing up. any suggestions?? thanks!

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 denied or paid claim. Also Ask them to fax you your UB-92 form for your services there. Call them while your standing next to a fax and explain to them that they were suppose to do this serval times and you have not received it so you'd like to stay on the phone with them until the fax comes through. Again if they do not help tell them you want to talk to a supervisor.

Everytime you insurance processes a claim they should be sending you an explanation of benefits too showing you what they paid for each of your services. Look for these and match them with your statements.

Also, many insurance companies have online services where you can pull up your claims online. So YOU can pull up everything they ever paid for you and if they denied a hospital claim it will say so on there.

Finally, if you insurance did deny the cliam they give you a certain number of days to appeal the decision. You may want to pull out your policy manual and see what that is for your plan. An appeal is a written notice to your insurance carrier stating you do not agree with their decision.

A lot of the times your physicians office will be willing to help you. Call they billing department at your physicians office and explain to them what's going on. They may know someone at the hospital who can help.

Good luck.

contact your state's Commissioner of Insurance

Lawyer. Before you say you can't afford it, get the best free lawyer around: your state's attorney's office. I'm serious. Write a letter of complaint. Look them up and call for procedures. They will write the business and your problem will magically get solved. This has worked for me from everything to being bated and switched on car financing to not getting what I paid for commercially. Try it. It's part of what they do.

ONLY with a lawyer.

The Hospital says it received a denial; this means there should be a claim number. Call the billing agency and have them read the claim number to you over the phone. Then, call your insurer (the number should be on your card), give the service rep. the claim number, and ask him or her to look the claim up. If there is no such claim in their system, the Hospital is deceiving you. On the other hand, if there's a claim, your insurer can explain to you why it was denied.

One important question you MUST ask your insurer: "Am I financially responsible to the Hospital?" If the Hospital is a participating provider and it failed to follow its contract with your insurer, you are not financially responsible.

Another suggestion: when you call the billing company, demand to speak with a manager. Don't take no for an answer. Explain what's happened and demand to be faxed the information (the denial they say they received AND the UB 92 claim form they say they filed) so you can help get this claim paid.

Finally, if these things don't work, send a written complaint to the insurance commissioner in your state and request assistance. All commissioner's offices have highly skilled investigators who will get to the bottom of what's going on -- AND who will make sure you're treated fairly.

Ask them to send you a certified letter with the copy of the bill and denial from the insurance company. Also document every communication with them and your insurance company. You are probably going to want to get a lawyer if it is not settled soon, so you will not end up in collections.

GOOD LUCK!!!

You do not fight with an insurance company and win. Your lawyer fights with the insurance company and wins. Sometimes wins big time. I'm sensing there is not a lot of money involved here, but if a lawyer can make a case for bad faith insurance practices, a jury could award millions of dollars in punitive damages. Insurance companies know this and get a little nervous when a claimant gets lawyered up. It might be worth paying a bad faith litigation lawyer for a half hour of his or her time. They may tell you to forget it, or they will take your case on a contingency basis.

one word>>>>lawyer. Don't dick around, just retain a lawyer now and get him/her to do all the hassling for you. He will obtain a copy of your insurance policy, review it and tell you what you are legally entitled to under that coverage. Then he/she will do all the "leg work" associated with civil litigation and pursue what has to be pursued. Once lawyers are involved, insurance companies smarten up to the point of doing what is legally expected of them and if they don't. they risk, having it drag on forever in court and ending up having to pay more. The lawyer will also deal with the hospital.Once he summons the hospital for records etc they have no recourse but to provide their statement of services rendered. I do realize of course that US law and US medical insurance is quite different than here in Canada but the bottom line is you are entitled to your rights so get a lawyer on this quickly and don't even waste your time and energy fighting with the hospital and the insurance company! Good luck. PS be sure to discuss the legal fees with your solicitor in advance as different firms handle insurance litigation differently as in> some take the case telling you their expected fees and disbursements up front and others will take it based on a percentage of what you actually receive in settlement from the insurance companies. (hint: insurance companies & hospitals detest dealing with lawyers because they can drag things out for so long if its in the interest of their client!)

With nuclear ammunition!

God i got a bad mark some people just have no sense of humor! for future reference give the humor guy's a bit of slack!

Hope all goes well for you, bet you feel like using ammunition, i wouldn't would i! hum?

At this point, you've done everything you can. As long as you document EVERYTHING, there's not a lot the hospital can do to you. Here's what I would do next:(just to doubly cover your butt!) send the hospital a certified letter in writing to the billing person there (or whomever you've spoken to there asking for copies of the bill) requiring whomever gets the letter to sign for it. In the letter ask them to fax you the denial and the bill as proof within 5 business days of receiving the letter. Tell them if they refuse to comply with your request, legal action will be taken. (Keep a copy of the letter and the certified receipt.) I would then consult a lawyer if they don't respond - since your beef isn't really with your insurance - it's the hospital.

At this stage, since you've contacted the insurance and the hospital, it's the hospital's burden of proof to prove to you that they've been denied payment.

Talk to an insurance or a malpratice attorney!!

Have the hospital fax you a copy of the denied claim. It should only take them a few seconds and I would stay on the phone with them until it is received. Once you have that in your hands it will be easier to talk to the insurance company.

they bluff so you bluff.....the insurance companies lied...thats what they do..tell the insurance company that your lawyer said that the letter was already sent to you.......better get a lawyer...if you dont..this willl never end....how can you argue in a cat and mouse chase? they say they sent it..your insurance says they never recieved it.....u go back..and they say that they dont handle the billing department....ask a lawyer how much it costs for him to send a letter....thats all you need to do....

Riiight... This sounds like a really disorganized hospital billing office. If your insurance company received a bill, and denied it, you and the hospital would have received an EOB in writing, from your insurer. Since this document doesn't seem to exist, I'd say the hospital has either 1, not sent a bill to your insurance. or 2.Sent a bill, with inaccurate information. (ie, the insurance company couldn't identify you with the information listed on the claim.) I think a lawyer in this instance is overkill, and would be a waste of your money.

I think the previous suggestion of using your insurance company's website is a good idea....

Or, call the hospital... again... and speak with a manager... Or, call your insurer, and beg them to help.... Depends on your carrier, but most will have someone available to help... OR, if your insurance is through your job, some companies offer a point of contact for specific insurance issues. See if one exists for you.

What does the statement look like the hospital is sending you? If it has a brief description of the services, and charge amounts, the insurance company may be able to process a claim with that info... (Depends on the type of contract they have with the hospital) Not all that likely, but possible.

Maybe try a written complaint to the insurance company and the hospital, sent certified mail to both... anything in the mail sounds like taking the long way.

Good luck!

yo yo yo check it if u wants to fight it u go up 2 it and stand right in its face yo and then say yo what u lookin at then u gots to push them and then say what up now homie

peace out 1 luv

I would suggest from my own similar experience, that you contact the office of the attorney general of your state. they'll assign a mediator to investigate your case. They helped me get $2600 back that my insurance company denied to pay and I paid to avoid collection. But at the end I got reimbursed the $2600 by the efforts of the attorney general office. They are useful in cases of health care billing problems. Best of all, you pay nothing. You already pay taxes. I hope this helps

It's most likely the hospital...especially if they have an out of state billing company doing their billing. They screw up all the time.

You are entitled to a copy of the billing; you should request it in writing and should send it certified mail. Also, get the phone # of the billing company, the hospital should give that to you.

What the insurance will do if the two parties of the car accident all have policy with the same insurer? no ความคิดเห็น

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?

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 legal expenses insurance policy and see if there is an exclusion against them pursuing a claim against the insurer. If there is then you would probably have to raise a complaint in that they are not treating you fairly because of the conflict of interest.

It will certainly be cheaper and easier if you legal expenses insurance company pursues a claim on your behalf - the only problem you will have is if the other driver disputes liability - and instructs his legal expenses policy to claim against you. In that case they will have to withdraw due to a conflict of interest.

The insurance company may offer a split-liability settlement. You can challenge this if you wish, in order to preserve your no claims bonus - but this will delay payment of uninsured losses until the claim is settled. In this case I would assume the other driver would be pursuing a claim as well and so you both will need to take legal advice elsewhere.

Your insurance company will not try to apportion blame on you without reason, they don't care about who the 3rd party is insured with, it''s simple, if you caused the accident you will lose your no claims and your policy excess, if you didn't cause it your no claims will be safe and you will get your excess back..

Contrary to public belief, insurance comapnies do try to be fair and they are strictly governed when deciding who is at fault when it comes to accidents..

the insurance company will pay from the policy of who is at fault. it wouldn't matter if you had different companies or the same.

I've got the same issue been continuing for 4 months, they are supposed to be atcing independantly on both behalfs ..

There should only be need for a legal frm, if there are persoal injuries claims

they have to b y law be just

I feel for you. The same thing happened to me. Although this state mandates that different divisions of the same company handle the claim to prevent any conflict of interest, both of us were equally screwed by the company. Be sure to use a different legal firm and check to see what their record is against that particular company. Some lawyers are not as good as their flashy ads would lead you to believe.

It ended up not being a good neighbor thing at all for me.

There cannot be a conflict of interest if you think about it, the company is going to wind up paying anyway. What they will do is ensure that the person dealing with one policyholder is different from whoever deals with the other.

It might be the same company, but it's separate policy numbers and probably agents. No, it's not a conflict of interest, the person at fault will have to pay the damages they caused, if anything the process should go a bit quicker.

The insurer should be quite capable at arriving at a fair decision if your not satisfied you can query later

Depends if there is any claim apart from repair to vehicles... Both no doubt will be repaired satisfactorily...But you probably have to pay an excess .. In usual circumstances if the other driver can be proved to be at fault your insurance can claim this for you so you are not out of pocket.. Also if the other driver is again proved to be at fault your insurance can reclaim the cost of your repairs from the other co... This would result in your NCD not being affected... But as you say these things are not so clear when both are covered by the same insurer,I can't imagine a company taking itself to court... You can only ask.. if necessary consult a solicitor... ,

If you are talking about a bodily injury claim your insurance will cover your medical cost UP to the amount of the other parties policy THEN up to the amount of bodily injury of your policy. If you are talking about a settlement etc beyond that you will need an attorney. If you are only talking about repair of your vehicle it would be the same if you go through your policy or through theirs. It would be handled the same way. Remember this. Insurance companies ALL have their interest in mind and can be very jaded because of so many fraudulent claims. Unfortunately because of this they can tend to treat HONEST people as though they are lying. Don't take it personal. If in doubt seek legal advice but remember an attorney will take a minimum of 33% of your ENTIRE settlement and up to 50% if it actually has to go to court. hopefully you have a friend or know someone who is an attorney who might help at a reduced fee. CSAA is about the best company in regards to how they treat customers and doing proper repairs. I manage a collision repair facility and they handle claims quickly and fairly.

The insurer is out of pocket no matter who is at fault. They should still try to correctly apportion blame, since it affects your premiums.

Pay up.

It will be called knock for knock How you might say i know this my wife ran in the back of my car while parked on the drive way and we were insured by the same company

Where can you buy insurance for connecting to the power grid with a wind generator in Texas? no ความคิดเห็น

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?

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 insurance carries. The UMBRELLA coverage is a catastrophic event coverage that is called secondary insurance. It isn't even very expensive as it covers after everything else has been exhausted first. Go to yahoo & google Umbrella insurance & then if that doesn't work, look at commercial insurance companies in your area. I know that CNA which is a HUGE insurance company, they write in Texas & may be able to write your friend the policy that he needs. I hope this helps. I used to do underwriting assistance for them & I helped insure folk in Texas in particular.

Sounds like someone is trying to make him go away.

Talk to the local utility company. There are certain standards for the quality of the power that can be added to the grid. Once you prove that the equipment you have is up to those standards, you then need several pieces of safety equipment, including a reverse power relay and an automatic transfer switch that will disconnect from the grid in case of a power outage. You also need to stay "in phase" with the grid. I would think that the manufacturer of the wind generator would have experience with all of the above. If not, I wouldn't bother.

Can i start insurance on a new car with a new insurance provider before the current policy runs out ? no ความคิดเห็น

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 ?

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!

Perhaps You may google it first ,however, if you like some direct resource ,here http://www.InsuranceFreeTip.info/insurance-for-free.htm might be your choosing.

You certainly could . I've done it twice and my insurance company was ok with it.

autoinsurance.noneto.com - try this one. I have their car insurance and, as I know, they can provide such a service.

What are some insurance companies that offer insurance if you become disabled due to accident? no ความคิดเห็น

Hello everyone. I have life insurance and accidental death insurance, but I am looking for a company that offers insurance for money if you get injured in an accident and become disabled. I show horses and ride often. I am looking for something that would protect my family in case of a disabeling injury. Please only serious answers. Please don't suggest yahoo or google....I am looking for actual companies. God bless!

Disability coverage for someone who rides horses for a living? OUCH, it's going to be expensive.

Your BEST bet is to contact a LOCAL INDEPENDENT AGENT, because not all companies write insurance in all states, and have them shop this out.

It's going to be really, really expensive. I'm thinking, $1,000 to $2500 a month, if you're under 40 and in great health right now.

Yes you do need disability insurance, However, Insurance Cos. are not your answer. A good Ins. Agent who listens to your needs, shops the market for the best product, is what you need. Remember, with any Ins. portfolio you should review every 3-4 years because your life changes. A GOOD Agent knows http://answers.yahoo.com/question/accuse_write?qid=20070402141602AA7pjPV&kid=GoZZDWX8VzVXvjAdOoX5&s=comm&date=2008-10-19+07%3A52%3A27&.crumb=

MetLife has a great disability policy as well as Colonial. I do not know where mbrcatz came up with the premium - she does not even know what benefit you want! Get some quotes from an agent in your area that can give you some firm quotes, not just Internet guesses. It won't be cheap, but I won't throw numbers at you.

I suggest peronal disability insurance to replace your wages, or you can purchase just accidental death & dismemberment insurance which is very cheap.

Try AFLAC.. yes I am serious, they have some pretty good products out there

New England Financial offers policies and I believe AFLAC does too.

Is the auto-insurance claim information shared if I switch the insurance company? no ความคิดเห็น

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!

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.

Your driving record (including accidents, tickets and filed claims) is public knowledge and is kept on a database through your state. Most states use the same database so that your driving record is basically public knowledge.

While Insurance company Y doesn't get information directly from Insurance company X, all they have to do is look up on the database to find all of your tickets, claims and accidents.

Basically, you shouldn't lie on your application because you won't get away with it.

Yes. Most insurance companies subscribe to a service called "CLUE". It's basically a data bank where companies share claim information with each other.

Most companies will order a "CLUE" report before issuing your policy and find out that you have had previous claims. It is always a good practice to go ahead disclose this information up front, if not the rate that you are quoted will not be accurate.

I would suggest getting as many quotes as possible!

Because rates vary hundreds of dollars with companies you might be surprised to find out that by comparison shopping your maybe able to get insurance through another company without seeing a huge increase.

As mentioned already the key is to getting as many quotes as possible. The easiest way to do this is by using free on line insurance rating services. I read a statistic that people who use these services usually save an average of 30%-40%. If that holds true for you then it basically you would most likely be able to keep your rates close to what you are currently paying.

There is a consumer site that I came across at: http://www.InsuranceEasy.org that has links to free quoting services that are reliable. By using each of the links listed on their auto insurance page you will end up with the 5 or 6 best quotes from hundreds of companies.

Hope this helps!

Of course! One of the questions in the applicationt that must be answered truthfully is similar wording to "please list all accidents you have been involved in as a driver, whether at fault or not, in the last #x years". They also ask for the approximate amount of any claim associated with the accidents. Some companies want 3 years, some 5, and they do check. If they issue a policy immediately based on falsed information, you would receive a registered letter within days, possibly cancelling it, or increasing premiums substantially. In my office, sometimes I would fax an application and receive a phonce call back within half an hour asking why a certain accident hadn't been declared by the applicant.

THE ANSWER IS YES!!!!! 99% of all insurance carriers report to a service similar to a credit bureau. Then all the other companies can pull your DRIVING RECORD which is what the DMV has on record for you and a CLUE REPORT which is a record of claims and accidents (shows everything from major accidents down to towing and rental claims). I hope this helps.

yes they will find it. when you get a quote they may not run your reports so its up to you to be honest about any points or accidents on your record. if you dont tell them they WILL run your records when the policy is issued and then your premium will be higher than the quote and they have the right to cancel the policy with notice. its probably better for you to wait until your record is clean again before you switch

What typically happens to the insurance industry during a period of economic recession? no ความคิดเห็น

Are people more afraid and purchase more insurance or less? Does it make them delay purchasing insurance? Life and Health insurance specifically. More specifically senior medical supplement policies, advantage plans, life insurance, long term care insurance, and annuities. I'm asking for myself. Is it a good time economically in the U.S. today to sell these products? General or specific information will be helpful. Thank you for your experience and thoughts.

"People are buying insurance products regardless of economic conditions.The insurance industry and large-cap consumer staples companies also tend to pay meaningful dividends -- and steadily raise them -- enhancing their overall quality and appeal. Dividend income is always welcomed by consumers, especially so in choppy markets when you're effectively paid to wait until the turmoil subsides.To answer your question if is a good time to sell in U.S.i say it is! not only in U.S. but also in Europe.

recession, businesses are closing, jobs are being lost. joe looks around and says dam, lose my job i might lose my house... hmm, better look into "Redundancy Insurance:" during a recession 'Income Protection Plans' or 'Payment Protection Plans.' usually see increased sales.

look: http://www.bls.gov/oco/ocos118.htm

unfortunately, in the u.s. today, any type of insurance has become more of a luxury than a necessity. therefore like any other luxury during hard economic times, demand for insurance will drop as incomes also decline and job insecurity increases. also it doesn't help that all sorts of insurance premiuims keep on increasing at a higher rate than that of inflation.

Usually those who purchase insurance by choice, whether it be personal or business are better educated and consequently better off financially. Hence, a downturn in the economy doesn't have the impact on the insurance industry as those who live paycheck to paycheck who aren't buying insurance on their own anyway.

What kind of insurance do insurance companies need to buy for their own company? 1 ความคิดเห็น

I want to start an insurance company, but I need to know what kind of insurance I need to purchase for my own company. I have done research and can't find this. (Please do not tell me how to start one, or anything else besides what insurance I need, if any.)

Do you want to start an insurance company or an insurance agency? There is a difference. I'm guessing you want to start an agency because if you had the millions of dollars needed to start an insurance company you'd have the knowledge already or at least the money to hire someone who knew.

For an agency you'll need E & O insurance. Also, depending on your situation you'll need a business general liability and property coverage. You'll need business auto or at least a business classification on your auto insurance if you have vehicles. If you hire someone you'll need workman's comp and possibly health insurance, disability, etc. for the employees.

Like Zarnev says, there's a difference between an agency and a company.

And I think it's pretty safe to say, if you don't know enough about insurance to be able to recommend coverages for YOURSELF, you surely aren't able to go into the business yet.

Types.

Property. Liability. Directors & Officers. Errors & Ommissions. Workers Comp. Commercial Auto. Commercial Umbrella.

If you're referring to REINSURANCE, that's done via treaty, not by "buying a policy".

In addition to what others have already said, it may also depend in part on your locality. If you're in the U.S., I recommend checking with your state to be sure you're meeting any state-specific requirements.