Are there any auto insurance companies that do not immediately require a down payment in order to put the policy into force?
There are quite a few companies that will insure a person and not require money upfront. It depends upon your credit rating and your license record.
Homeowners insurance companies will generally offer insurance effective immediately at the time of the quote if you have the down payment, your home does not require an inspection, and if it otherwise meets the underwriting guidelines of the company. The policy is usually effective at 12:01 am the day the policy is bound. The insurance company will not backdate coverage to a prior date because doing so effectively makes it potentially liable for covered losses…
Hazard insurance protects a homeowner against the costs of damage from fire, vandalism, smoke and other causes. When you take out a mortgage, the lender will require you to take out hazard insurance to protect their investment; many lenders will incorporate the insurance payment into your monthly mortgage payment.
Mutual insurance companies (companies owned by their policy holders) pay dividends. Some companies may allow you to elect to use the dividend to purchase a small amount (usually around 1-2K) of "paid-up" insurance instead of receiving a check. The paid-up insurance will never require another payment and (assuming it isn't "paid-up term ins.") will be in force for the rest of your life regardless of whether your original policy is in force.
It depends on your state and the company. Some states (NY specifically) require that the registered owner be listed as the insured or Second named insured on a policy. They must be listed on the bar-coded insurance cards in order to register the veh. Some insurance companies have specific underwriting guidelines that require that the owner be listed as the insured, while other companies may not require it.
Yes one can, but almost all companies providing financing will require you to obtain and have insurance with specified levels of coverage immediately after purchase (if not before even approving the loan) if you don't already have it to protect their investment. If you do not get the insurance required within their time limit, they have the right to call the loan and demand its full repayment or repossess the car. For example the CU…
A number of life insurance companies will offer life insurance coverage up until the age of 90, depending on which state the life insurance policy will be issued. Some things to note about older age underwriting: Each life insurance company has its own set of underwriting guidelines, some are more strict than others. It is critical to understand the underwriting requirements BEFORE you apply for life insurance. Examples for Age 76: Some companies will require…
Can you have a baby and get health insuran bettr that to have a baby and you and boyfrien in different houses and put it in his name the insurance?
Why would you choose to have a baby with someone you're not married to? To answer your question, no, legally you cannot. Most companies will require a couple to be married to cover the partner on their insurance. Even companies that offer "domestic partner benefits" require that they live together. If you do it anyways, it's called insurance fraud.
Roofs require occasional replacement, generally every 20 to 30 years depending on the rating of your roofing materials. Some Insurance Companies will require you update your roof for continued coverage once it has reached it's expected lifespan. Some companies will allow you to exclude further roof coverage and maintain the rest of your policy. Answer give my roof back u ugly insurance company never trust nation wide to date
No, Not necessarily, There are many insurance companies that will issue auto insurance coverage to you without a drivers license. It just depends on the underwriting requirements of the insurance company. Most of the larger national companies will require a drivers license first but many local and regional insurers will have no problem with it.
Yes, All auto insurance policies in the United States require that you notify the company whenever their is a change in risk factors including household drivers. Wether you will need to add your child to the policy depends on the internal operations policy of your Insurance Company. Some Companies will let you add your child later after graduating from the learners permit while others Will require the child be scheduled immediately as they are now…
Is it possible to get a car loan to get a car but put the car as immobile so you won't have to pay full insurance on the car?
When in a car accident that is not your fault dose the other Insurance company pay for the car rental Insurance?
Call the bank, immediately (if not sooner) and place a Stop Payment on the check number. This will require you to pay a fee to the bank for this process, but it will be cheaper in the long run just for your own peace of mind. If the check is then presented for payment, the computer systems will "flag" that check and prohibit payment to whomever is presenting it for payment.
The insurance industry allows one to earn good money with relatively few qualifications. One can become an insurance agent with no specific qualifications. Most companies do require applicants to have a college degree but some do not insist on this. Simply produce a resume and apply directly to insurance companies or go through job sites.
Does a law require that your spouse take insurance offered by her employer if it covers at least 50 percent in addition to your employers plan?
If your 19 year old son lives with you and does not have a license and does not drive your car do you have to put him on your car insurance?
Does the insurance adjuster works only with the insurance company or does the insurance work for the collision shop?
This depends on the carrier you have. Some have their own adjusters like they do agents. Others use independent adjusters as they do agents. I am an independent agent and we work with many different insurance companies. I would never require you to use a particular shop as no insurance companies should. You should be free to use the repair shop of your choice.