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Insurance

~21900 answered questions
Parent Category: Business & Finance
Insurance comes in a variety of forms. You can insure your car, your home, your personal property, even your life. By paying a periodic premium, you can be protected and even compensated against future loss or damage.
%DETAILS% Can you get state assistance? I'm not sure what Medicaid is, sorry if it's state assistance. Some options are looking into a free clinic. They have low to no fees depending on your income. Or going to a doctor that will work with you on a payment plan during and after they baby is born.…
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Oh Boy! There is no one answer here. The average national cost at a private hospital is $3000. That does not include pre- and post-natal care. Nor does it include any other factors. Such as C-sections, premature delivery, extended stay for a variety of reasons before and after delivery, and so on. T…
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I have the Depo shot you only get the shot every three months. As of how much it costs it would range about the same as three months cycle of birth control pills   To get all the information you need regarding the depo shot, click on the website below. If it doesn't work, copy and paste it to…
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Currently, there is no type of insurance available for merchants that will reimburse you for payments made with stolen credit cards. Therefore, it is the main concern of most merchants whether or not there will be a high incidence of fraud or chargebacks. Chargebacks are reversals against a sale tha…
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Generally, no. Cosmetic surgery is not usually covered under most insurance plans. (If we're talking about reconstruction after breast cancer treatment that's different.)What's more, any treatment of complications may not be covered by your health insurance. Typically, insurance companies will not c…
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It depends on your insurance and reason for having the procedure. Your nose job may be covered by your insurance if your procedure is enhancing the function of your nose (ex: relieving swelling, extreme sinus pressure, or breathing problems, etc). If your procedure is purely cosmetic, the chances…
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If the violation was derived by the use of a breathalizer test, you could contest the results when (like always) an enforcement officer administers the test. By the Federal Drug Administration Laws: the only person that can legally operate a blood alcohol monitor (breathalizer) is a licensed physici…
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There is a pediatrician in Sykesville MD who does counseling and specializes in ADD. Don't know about insurance. His name is David Graham.   Go to WebMD.com   Metropolitan hospitals offer a referral service for persons needing to find specific medical care. Consult the hospital listing…
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Discount health coverage is becoming increasingly popular because it provides uninsured individuals with a way to receive health care services at a substantial discount for the entire family without sacrificing on service.   To find companies in your state that provide dental insurance or den…
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In my experience the important thing is to keep the mouth very very clean. Then I began a light massage in the muscles around the jaw and the facial muscles. I dedicated a good six hours to lying in bed massaging and then I would sleep and wake up and massage again. Eventually the infection will spr…
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Contact your state's health department There are various assistance programs that vary from state to state, so you may want to contact your state dental society to see if there are programs in your area. Another possible source of lower-cost dental care is a dental school clinic. Generally, dental…
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I find that advil works great for tooth pain/pressure. You may wish to call around to different oral surgeons to see if you can find a good price. Many offer reasonable payment plans as well.
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Roof Cave in Caused by Insurer? Your home insurance company does not certify the structural integrity of your home. It is our responsibility as the homeowner to maintain our home. There is no negligence here on the part of your insurance company. Your Insurer is not a Home Inspector nor a Structur…
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If it is the result of a fire, the homeowners insurance should definitely cover it. But if it is something like a fire in a chimney flue, maybe not. That is considered routine maintenance. If it isn't done a claim might not be valid. Perhaps you can find some information in your homeowners policy or…
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I believe it depends on the state, but as far as I know, if you have to have full coverage on a financed car, it doesn't matter where it's financed. If you still have questions, ask your insurance person, they'll know the answer.
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CONTACT AN CLAIMS AGENT FROM LOCAL INSURANCE COMPANIES, THEY WILL TELL YOU WHICH WRECKER NOW HOLDS TITLE OF THE SALVAGE VEHICLE(S). THEN YOU CAN CALL THE WRECKER DIRECTLY
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Rates will be different from different insurers. Some of the factors that go into the calculation include:1. Liability limits2. Amount of collision and comprehensive deductibles3. Uninsured motorist limits (generally the same as liability limits unless the insured selects lower limits)4. Deductible …
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Effectiveness of Insurance Ratings Choosing the right insurance company is usually an important financial decision - whether for personal or business purposes. Before making a decision, an important consideration is the overall financial strength of an insurer. If an insurance company cannot …
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Insurance Coverage Termination Here are opinions from FAQ Farmers: Yes an Insurer can cancel or non renew your policy in accordance with your states reglations for a number of reasons. Reasons for a cancellation or non-renewal can include but are not limited to the following. A substantial chang…
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Repo Business Insurance You can also contact me! I represent an Industry driven Program that was designed to package all of the coverages that are required by the major lendors. The hard coverages to acquire through your average broker are the wrongful Repossession and the Drive away coverage. This …
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Direct quote from the web-site in the related link... "The suffix dates back to when contributions were recorded on cards which were returned annually, staggered throughout the tax year. "A" meant the card was to be returned in March; "B" in June; "C" in September and "D" in December. Although contr…
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Dependent CoverageHere are opinions from Wiki s Contributors:Dependent coverage lasts until age 22 on a family policy.In most states, dependent coverage lasts until a child is 18. Although most insurance carriers will let you keep your child under the coverage with specific stipulations - in other w…
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NINs for International StudentsHere are several recommendations from Wiki s Contributors:Speak to the supervisor at the job, and ask for help to get your NIN. The forms should be in the office, or with the Human Resources person, at the Care home.You can also visit this Web site http://www2.essex.ac…
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Your Professional Liability insurance covers you for claims of loss made by your students in relation to the quality and competency of your teaching services. It does not provide coverage for bodily injury to a student, yourself nor an employee. Workman's comp covers you and your employees for bodi…
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They only have to pay Workman's Comp on reported tips. If you did not report or claim your tips, then there is no proof of them and Workman's Comp doesn't have to pay anything.
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Insurance Coverage for Pain & Suffering Here are opinions from WikiAnswers Contributors: Yes. It is a totally separate issue from medical bills. No, absolutely do not assume that you will get three times medical in addition to the actual medical amount paid. Unless that it states that you w…
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Teenagers routinely drive their parents vehicles either with or without permission. Insurance Companies are well aware of this and the vehicle owner is liable for any damages resulting from the permissive driving of your vehicle. Although a 19 year old is no longer a minor. The owner of the vehicle…
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Here are a few ideas: Some insurers write new companies, but not all of them will. You may have trouble obtaining insurance until you have a "loss record" or track history for an insurer to examine. DO NOT CONFUSE tow insurance with repo insurance as they are different for example, if you have a tow…
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From an Insurance agentNO, your spouse does not have to be named as your beneficiary in Texas nor any other State in the USA. You may name any beneficiary you like. A spouse, a Sibling, a Grandchild or other person you choose. It is very common for some people to have mutiple policies in place with …
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It can vary greatly. It depends on the teenager, the car they drive, the state they are in. It can even vary depending on the city and possibly the area of the city. It also depends on if they are going on their own policy or being added to their parents. Calling around and getting quotes for insur…
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Rhinoplasty may be performed for reasons which are purely cosmetic, purely reconstructive, or a combination thereof. Reconstructive or medically-necessary reasons conventionally include nasal breathing obstruction and traumatic, congenital or severe developmental deformities. Septoplasty also may be…
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I was told (when it came time to pay property tax), that you may have a car with no or expired tags, inspection sticker, insurance, and/or city sticker, BUT that you may still be charged property tax on the vehicle. There may also be local ordinances restricting where the car may be legally parked. …
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Commercial insurance helps protect your business from its own exposures. Exposures are risks that your business generates during the course of its operations. Products carry liability if someone is hurt using them (general liability) Operations like construction carry defective workmanship claims…
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No. You have already paid taxes on the money that you used to pay the insurance premiums.   I am an insurance agent that works for a company that sells cancer insurance. Your payouts MAY be subject to taxation if your premiums were paid through your employer, and they pre-taxed them. It is im…
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If you are NOT an employee, but rather a business-owner -- who needs to provide coverage -- the answer to this depends on what state you are in. Some states, e.g., Ohio, are "exclusive fund" states. If you do not live in an "exclusive fund" state, there will still be a "state fund" in place. You can…
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Short answer: No. The law in the state of North Carolina states that a sole proprietorship, partnership, or LLC is required to carry workman's compensation coverage if you have three or more employees. Employees can be full-time, part-time, regular, seasonal, or family members. Sole proprietors, par…
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That would be covered under the terms of your policy. In general that is what supplemental, (secondary) insurance is primarily for. Most "supplemental" plans pay the 20% that Medicare didn't pay only AFTER seeing an "explanation of benefits" statement--i.e. proof that Medicare paid their part. I…
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All laws pertaining to workman's compensation insurance are inacted and enforced by the resident state. It would be necessary to contact the states labor relations board to find out the procedure for obtaining such coverage.   An alternative available in most states for certain workers is Occ…
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%REPLIES% Answer Actually, hitting a deer is generally covered by your comprehensive coverage, not collision. Comprehensive covers "acts of God," which include hitting animals because it was an act of God that the animal was there at that time. Reading your insurance policy will clarify exact…
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Yes. If a claim is made and found valid, his insurance rates will probably increase. It depends on the past history of the insured of how much the premium will rise.
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No. The exception would be, if for instance the snowmobile was stolen off the person's property.
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I would say health insurance. And before if not, then maybe home owners or renters insurance. Car insurance would be the least likely.   Most policies say that the injury has to arise from the "use, maintenance or operation" of the vehicle. If the way you were injured falls under any of those…
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Non Owners Auto Insurance CoverageNon-Owners Insurance allows you to drive non owned vehicles with some exceptions. Non owners Insurance will Not cover you in any vehicle that belongs to a member of your household nor any vehicle to which you have regular access. It will also not cover you in a rent…
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As long as it is just a visit, and your primary residence is still the apartment that you rent, keep the insurance. Many leases, even residential ones, require that insurance be maintained during the term of the lease, with the landlord named as an additional insured. Therefore, were you to cancel c…
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Premium Payments No, Under no circumstances may an insurer or agent thereof intentionally "keep" your unearned premium payment. This would be a violation of the agents fuduciary obligations to the insured. However, if there was an outstanding balance due on your previous policy, then they are allowe…
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You need to find out how the insurance company defines dependent. Most companies will say that dependents are your biological/legally adopted children age 19 years and under who you financially support and those up to the age of 23 who are full time students at an accredited school and you fina…
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Huge! I do not recommend this - any accidents that happen on your property you can be held resonsible for. Especially, if there are any known conditions on the land and you allow people to ride, it's just a matter of time before you are sued.
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You will need non-owners insurance. Most companies offer this. This is for people without regular access to a vehicle.
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It will depend on your state's worker's comp law. Each state varies. Each Workers comp agency has a webpage to answer your question. If you had medical bills from the fall, Workers comp will usually cover the medical cost if you filed a report with the employer when it happened.
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You do not have to pay the deductible if the other person's insurance is paying the claim. If you put the claim through your insurance, and do not have uninsured, underinsured motorist protection then you will have to pay the deductible regardless of who's at fault.
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No. If you are in the USA without the permission of the US Government, why would you think it would be "all right " for you to work in the USA? Firstly, there was no need for snooty remark. Secondly, the question was whether you need a Green Card to work. The is no. You need a work permit. &nbs…
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There are private insurance companies that offer unemployment insurance. The plans generally pay out $1,500 to $2,000 after 30 consecutive days of unemployment. They are supplemental plans and can be used in conjunction with state unemployment insurance. They pay benefits for 4 months. Check the pa…
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The applicant for insurance is responsible for providing accurate answers to material questions on the application. Materiality relates to facts based upon which the insurer decides whether to issue the policy, on what terms (such as if there any exclusions or limitations), and at what premium.
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Insurance Definition of Sports CarThey usually go by horsepower, stock and aftermarket modifications (i.e. turbo or superchargers), etc. They will usually know if you have a sports car or not. You can also have a car classified as rare or collectable that might be a sports car. If a car has two door…
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Insurance Coverage. The answer below is incomplete. It is true that you should check with your carrier, but keep in mind, their answer will normally will result in getting more premium. With State Farm and Allstate you as a policyholder will always be covered, unless an excluded driver uses your veh…
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It depends on which state you are in. If you are in a no-fault state, the medical provider will typically bill the no-fault (PIP) insurance provider directly. Even in states without no-fault laws, if your injuries arose from a motor vehicle accident and you have personal injury protection or medical…
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Cheapest Auto Insurance The least expensive insurance is liability, but the cost depends on your credit score, claims history, driving record, where you live, the company you insure with, etc. Keep in mind, price is not everything. The cheapest may be the most expensive if you really need it. The a…
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Liability coverage This is a very odd request from the leasor. Unless you and your friends are incorporated or considered a business, no insurance carrier would sell you this type of policy. Also, any such coverage would probably duplicate the liability coverage you already carry on your vehic…
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You get an Auto Insurance Quote from an Insurance Company that offers Auto Insurance. All you have to do is contact any insurance company. They will be happy to give you a quote. There are many different ways you can get quotes, there are different kinds and varying levels of insurance available a…
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No Fault Auto Insurance No Fault Insurance, in true No Fault form, is insurance that covers a stated risk regardless of who was at fault in the event of a covered loss. There is no "True No Fault Auto Insurance" policy however in the United States. In the U.S.A. Many states have implemented a hybri…
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Temporary Car Insurance Yes, In the United States Auto Insurance Coverage is commonly purchased with the following available terms. 1 month Policy 3 month Policy 6 Month Policy 12 months policy Most insurance companies sell policies that cover a six-month or one-year period. But, you might wa…
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It is based on your location. It's difficult to rate a vehicle being driven by a person in another state. Of course, insurance companies do it all the time for parents of college students, but even if they live in another state during the school year, would still consider their parents' homes as pri…
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Changing Auto Insurance CompaniesYes, Of Course you can. Just call the insurance company of your choice and ask for a quote. It is extremely common for people to shop new rates upon expiration of the old insurance policy. Many people overpay for their insurance simply due to not shopping around at r…
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Borrowed Vehicles for the UK In the UK - the general rule is that the driver's own vehicle insurance will pay for any accidents other than when the driver is driving a car with permission and is named on the car owner's policy. If the driver has no insurance the driver has a personal liability to pa…
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If you were truly injured you probably are covered by your employer. Your car is a different matter though, and workmans compensation certainly won't pay for that. You have every right to obtain an atty. w/ the expectations of a victory. Even if you are having no luck w/ the ins. co.'s your comp…
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More input from FAQ Farmers: Yes they can, technically the National Highway Traffic Safety Administration (NHTSA) requires them to do so as part of the agreement of being a legitimate licensed insurance carrier. Remember, anyone withheld from the policy who drives and causes a claim they will laugh…
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It all has to do with what insurance is. Insurance is the transference of risk. You pay a premium to the insurance company, it turn they agree to indemnify you, or put you back to the financial status you were previously at prior to a claim within the limits you have selected. In simple terms you hi…
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Should this be any more complicated than to simply keep paying the premiums on the NJ car to the NJ insurance company? I don't think they would really care where you are as long as they are told where the car is garaged and who is the primary operator. My daughter is presently going to college i…
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More input from Wiki s contributors:In all 50 states, vehicle owners are required to carry some form of financial responsibility, generally, this requirement is filled by an automobile insurance policy, although in some states it may be satisfied by a bond or other form of security. When you or a me…
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Liability insurance Talk to any insurance agent, but I would think any business liability insurance would cover you. Actually, the owner's insurance would probably cover any liability to someone you hit with his car, and if he has full coverage, his damage too. However, that company will probably tr…
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Legally? Yes Reason why you name should be listed in insurance policies of your parents it's pretty standard rules for every insurance policies to say if a vehicle is provided for your regular use and you are not listed on the policy then the insurance company can deny coverage of your vehicle …
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Insurance Coverage on a Parents policy? Yes, So long as you are also listed by name as a covered driver on your parents Policy and your parents have an insurable interest in your vehicle. If you are a minor or a dependent still living at home then you might be able to get insurance cheaper through…
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Auto Insurance Required for Learners Permit? Yes, you can. A Drivers or Learners "Permit" is permission to drive and therefore a temporary license with certain restrictions. You can obtain your own auto insurance or you can be covered under someone else's policy such as your parents or the vehicle …
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Exchange Students and Auto Insurance in the USA The same way as any other person. You contact an Insurance Agent or company who will give you a quote and offer a policy. You have to contact an Insurer and ask. There are literally hundreds of Auto Insurers in the United States that will accept a for…
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Sure, you can drive the car. It doesn't matter if you're registered or not. And because you are an insured driver, that makes it even better, even if you're not insured to drive that car.Having the same insurance isn't the issue. The issue is whether or not your state follows a "family doctrine purp…
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Insurance Policy fees Yes, most insurance contracts have a state approved associated policy fee and in the USA several other government mandated fees and taxes imposed by law that the insuring company must collect for your state. State mandated fees include state run vehicle anti theft programs, va…
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Well, dealerships and insurance companies are very strict now, and it would depend on what dealership or insurance agency you're planning on working with. On the insurance, it may be a problem because some agencies just deal with people who have a license in that state. And because you have an inter…
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Legally? "No", that would constitute Material Misrepresentation of the Risk (fraud). The company may not press criminal charges, but they won't pay any claims if they find out. More information about insurance fraud: Insurance fraud doesn't always result in criminal liability, but under some juri…
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Why not call an insurance agent? Or two or three? Most will be more than happy to discuss your situation with you before you actually buy a policy. And there is no need to reveal that you already have an agent if you are just getting a second opinion. Also, your local license branch may be able to …
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Insurance and Learners permits Yes, All 50 U.S. states require that a driver carry the appropriate Financial Responsibility. There is No exception of law in any U.S. state for a learners permit. A Drivers or Learners "Permit" is permission to drive and therefore a temporary license with certain r…
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Title Transfer Just call your states Vehicle titles and registrations office. If the car is paid off and ownership has transferred to another person who has failed to transfer the title, all you have to do is fill out a registration transfer form with that office. After you report the transfer, the…
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Insurance laws are based on vehicle coverage rather than driver coverage. Even if each vehicle has the same make and model, each has a different VIN (Vehicle Identification Number. Although no ne else is listed as drivers, other drivers may legally drive your car with permission (e.g. lend your car …
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The cheapest way to do this is just to have personal use added onto your current business auto policy. It's much more cost effective than buying a separate personal policy when not on company business.
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Uninsured Drivers Yes, If your name is on the title. Get insurance. If the driver or co-owner has an accident you can both be held jointly and separately liable for all damages. Both the vehicle Owners and Drivers can be sued equally and have assets attached by a court order for damages arising out…
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I believe your concern is how to keep yourself from getting caught up in a lawsuit if your spouse, you are currently separated from, has an accident. Your best bet is to ask an attorney. Laws may differ from state to state as far as liability. It really has nothing to do with insurance per say becau…
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As long as you are not driving illegally they will. It's debatable whether they could deny liability if you are driving in violation of your restrictions and you might need an attorney. Otherwise, if you are operating it and as long as you haven't been declared an unacceptable risk.
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Either parent could provide insurance for a child under their auto insurance policy. Alternatively, the child could obtain their own auto insurance policy if either parent is willing to countersign sign the insurance application with the child. As far as liability causation the parent who facilita…
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%DETAILS% That would be comprehensive coverage.   Anonymous is wrong! It would be collision. It doesn't matter if the vehicle was occupied or parked. If something on the ground collides with your auto it is a collision claim.   If your car is hit, then, yes, collision insurance cove…
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Non-Standard Auto Insurance All of them. Typically you can get most of the standard coverages on a non-standard or assigned risk type policy.
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Assigned Risk Pools Assigned Risk auto insurance is usually the Insurer of last Resort for the highest risk drivers who have been declined by at least three Insurance Companies. The Application for insurance is assigned by the state to an admitted carrier in that state. The agent submits the auto a…
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This sort of thing usually occurs because you are licensed at the home address of another insured driver. If you are licensed at the same address with another driver then his insurance company requires that he addresses you and all other drivers licensed at that address as either a covered person o…
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If the dealer doesn't require it, probably not, but you have to decide if you want to take the chance of continuing to make payments on a car that you can't use after an accident.
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No. Liability insurance covers damage you do to someone else's property. Theft would be covered by comprehensive insurance. In most jurisdictions, liability insurance is required but comprehensive is not.
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The terms of your auto insurance contract or policy between you and your insurer specifically require that you disclose and schedule all household drivers and all regular drivers of your vehicle on your policy. You are also required to notify your Insurer of any change in household drivers during th…
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You don't need auto insurance if you don't have a vehicle. Even if you were driving your parents' or other family member's car, their insurance should cover you. Every lisenced driver in the household should be listed on their policy, even if they will never drive the vehicle.   You still nee…
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Insurance without a Drivers License Yes, You can buy and insure a car without a Drivers License. You just can't drive it off the lot. Most states now require Auto Dealers to verify your drivers license and liability coverage before a customer drives off the lot with a purchase. This is to protect…
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Past experience financing a auto purchases in the state of California makes me pretty certain that a vehicle must be paid in full & pink slip transferred to independent owner prior to a driver legally reducing to PLPD insurance coverage. A lending bank shares legal joint ownership of a driver's …
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Yes, but in order to avoid coverage issues, you need to consider a few things:1. If you and your mother live together, it would be best if your mom listed your vehicle on her policy. Otherwise, her carrier will most likely deny coverage because the vehicle is a owned by a resident relative (you). Th…
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