Insurance.....?
Q. Does anyone here have insurance for their dog? How much does it cost or does it depend on different factors (breed, age, etc). If you don't mind tell me what it costs you and what kind of dog you have. Thanks
Asked by Zaphari - Mon May 5 16:59:29 2008 - - 10 Answers - 1 Comments

A. I don't have it and I don't trust it...human insurance is bad enough with all the small print. My dog insurance is Master Card, it's the only "insurance" I'd recommend. It covers everything, literally! Good luck though if you feel you really must purchase insurance!
Answered by Curtis M WINS! FLAWLESS VICTORY! - Mon May 5 17:03:51 2008

What types of insurance does an event planner need?
Q. I am interested in starting my own business from home as an event planner (no employees, just me). However, I am unsure about the insurance aspect of things. I will possibly be organising events for a large company and they have told me that I am required to take out Public & Products Liability insurance and Personal Accident cover before I can start working on any of their events. Will the Personal Accident insurance cover my hospital bills if I injure myself? If not, what insurance does? Could you please advise what type of insurance is required for a home-based event planner. If there are any event planners out there could you please let me know what insurance you have?? Thanks!
Asked by eventplanner14 - Wed Sep 26 08:20:29 2007 - - 1 Answers - 5 Comments

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

When will the Insurance Lobby force us to have Medical insurance like the did Auto insurance?
Q. Forced auto insurance, seat belt laws, helmet laws, child safety seats, laws and regulations, all brought upon us by insurance companies who use government regulation to maximize their profits. Isn't it only a matter of time before they get their friends in Washington to make Health Insurance Mandatory? Or is that the republican plan for reform?
Asked by ..???.. - Sat Aug 15 11:00:51 2009 - - 5 Answers - 0 Comments

A. Reagan warned of obama and his kind, and I'm not referring to his race, He is a socialist, and health care is his door opener. Please forward this video to all who question the "acting" president's agenda!!!
Answered by L.S.L.S - Sat Aug 15 11:15:44 2009

What reputable health insurance companies are out there?
Q. My mom doesn't have health insurance and my job doesn't give insurance to family members. I would like to pay monthly to a health insurance company so my mom could get health check up when she needs it. Do you know any health insurance companies that can accept low monthly payments since I don't get paid that much? We live in northern california.
Asked by LOVER - Wed Apr 1 21:05:43 2009 - - 7 Answers - 5 Comments

A. Well, if she's 40 and perfectly healthy, it's going to cost her about $500 a month to have a low/no deductible plan that covers checkups. You BUY it on a month to month basis. If you want low monthly payments, you have to cut the coverage - like take a $10,000 deductible. Or higher. That would cut payments down to maybe $200 a month or less. The older she is, the less healthy she is, the more it costs. Your best bet, is to find a local, independent agent, who can help you balance cost with coverage.
Answered by mbrcatz - Wed Apr 1 22:11:43 2009

What insurance is needed for casual outside workers?
Q. We live on acreage in Brisbane and need quite a lot of outside work done. Things like brushcutting, weed spraying, gardening, scrub clearing etc We would supply tools and materials etc so the job would suit an unemployed person or a student. What if they are hurt in some way while doing the work? Do we need to take out insurance for them? If so, what type of insurance is it and who should we get it from? I'm pretty sure that normal workers compensation insurance doesn't apply to workers who are employed by householders.
Asked by Ozmaniac - Wed Apr 22 23:21:07 2009 - - 1 Answers - 1 Comments

A. Try liability insurance or a cafeteria type insurance plan for insuring your casual outside workers or see if your home owners policy would cover it.
Answered by Persephone - Wed Apr 22 23:26:21 2009

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

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

How long does an insurance company need to approve a medical insurance application?
Q. My medical insurance has expired and I've just decided which one to buy next. How long does an insurance company need to approve an application and get it activated?? I have no medical insurance right now so I'm kinda worry because of the swine flu.
Asked by Mei Xiang - Sun Sep 27 13:30:32 2009 - - 1 Answers - 0 Comments

A. insurance tips :
Answered by Path Ock - Sun Sep 27 17:33:30 2009

Can you buy auto insurance the very moment you buy a car? Do insurance companies work that quickly?
Q. Can I call an insurance company the instant I buy a car and say, "Hey, I just bought a car. I want to get insurance for it."? I think companies should do this because if I take off from the dealership without insurance, and somebody hits me on the way home, I'm in trouble, right? I looked everywhere for this information, but I couldn't find it anywhere. Could somebody clarify this issue for me?
Asked by rar4000 - Fri Feb 9 15:52:22 2007 - - 10 Answers - 3 Comments

A. If you buy a car and have a loan on it you are required to have insurance before leaving the car dealership. Most insurance companies have a way to buy on-line or over the phone. Call your local State Farm agent and they can help you. (www.statefarm.com) Good luck.
Answered by jmrob29 - Fri Feb 9 17:25:51 2007

How much insurance company will raise my rate after a car accident?
Q. My car bumped into a car at a parking lot and caused minor rear bump crack. And I called my insurance company to report a claim. Right now my rate insurance is $420/year. I would like to to know how much my insurance company will raise my rate when I renew it next year.
Asked by amber - Fri Jan 16 11:58:57 2009 - - 3 Answers - 2 Comments

A. There no easy answer. It depends on your carrier and your state. Some carriers offer accident forgiveness if your insured with them for a number of years and never made a claim, then they give you an accident for free. There are also $ limits. If the amount they pay for repairs to your car and the other car exceeds a certain predetermined $ amount then the policy is surcharged. If its below that amount, you aren't given a surcharge but may lose your accident free discount. When you do recieve a surcharge, it is only applied to certain coverages and not all the coverages.
Answered by Susan K - Sat Jan 17 11:47:47 2009

How does rental car insurance offered by credit card companies (when you use the card) work?
Q. 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?
Asked by hedonist - Fri Oct 6 18:38:21 2006 - - 4 Answers - 2 Comments

A. 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,… [cont.]
Answered by Fred C - Fri Oct 6 20:34:09 2006

Can I get home contents insurance if my landlady works from home?
Q. My landlady teaches piano from home as a full time job, would I be able to get contents insurance? I went to an online insurance site and it said I would have to call them if I share my home with renters/lodgers (which I do) and also it assumes that 'You do not use your home for any business purposes or for the storage of business goods'. What insurance would I need or would it be my landlady's responsibility to get cover? Could I be included in her insurance?
Asked by afosa_ragazza - Tue Apr 14 15:20:37 2009 - - 1 Answers - 0 Comments

A. The concept of health insurance was proposed in 1694 by Hugh the Elder Chamberlen from the Peter Chamberlen family. In the late 19th century, "accident insurance" began to be available, which operated much like modern disability insurance.This payment model continued until the start of the 20th century in some jurisdictions (like California), where all laws regulating health insurance actually referred to disability insurance.
Answered by Meteora Lp - Thu Apr 16 23:56:11 2009

How would health insurance businesses be able to stay viable if the Senate bill is passed?
Q. As I understand it, the bill forces all Americans to have health insurance. However, I think that the fine for having no health insurance is around $750. But after the year 2014, health insurance companies will not be able to turn customers away for preexisting conditions. Why wouldnt someone pay the fine or buy low end coverage until they got ill and supplement the coverage or buy an extensive plan?
Asked by johma513 - Tue Dec 22 21:52:54 2009 - - 3 Answers - 3 Comments

A. i htought the main reason of living in a society was to help each other out, am i wrong?
Answered by Trapped In The USA - Tue Dec 22 22:17:08 2009

What insurance is needed in Texas to host a non-profit fundraiser?
Q. I am in Galveston, TX and I am looking to host a large outdoor fundraiser for a non-profit organization. What type of insurance will I need to cover the event? Where can I look to find more details and how much does this insurance usually cost? Thanks!
Asked by Phil E - Sun Oct 14 11:54:38 2007 - - 3 Answers - 0 Comments

A. 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.
Answered by Zarnev - Sun Oct 14 12:34:26 2007

Did insurance companies just start denying claims of sick people?
Q. If not why didn't the great House or Senate members address this before now. Sick people don't need to be burdened with extra problems. Even paying sick people. Wonder if it's as long as the insurance companies been selling life and auto insurance across state lines.
Asked by R J - Sun Mar 28 04:53:05 2010 - - 4 Answers - 0 Comments

A. It's just another talking point. While there are some that have had this happen, it's the exception, not the rule. Companies are supposed to make a profit but the idiot progressive don't think that's right. They are also supposed to be in the red, just like the government!
Answered by Not My Fault! - Sun Mar 28 20:45:51 2010

What insurance do I need to supply a food product to a store?
Q. 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? any ideas to where i can also get this type of insurance from?
Asked by pissu_kolla - Thu Feb 23 14:14:24 2006 - - 3 Answers - 1 Comments

A. 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.
Answered by JeffyB - Thu Feb 23 14:20:34 2006

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

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

What insurance companies pay for inpatient treatment for eating disorders?
Q. I have had an eating disorder for the past 3 years, and desperately need inpatient treatment care, but my insurance company doesn't cover the costs, so I am trying to find a new insurance company that does
Asked by Diamond M - Sat Oct 6 16:12:56 2007 - - 1 Answers - 0 Comments

A. Each insurance company will vary and finding a new one will be next to impossible. You will be automatically turned down, charged a lot more or made to wait for a long time because it is a predetermined condition. Insurance companies have you over a barrel. So sorry.
Answered by db2byl - Sat Oct 6 16:59:41 2007

What insurance companies cover include gastric bypass or lap band procedures?
Q. The insurance I have through my job (PHCS) has verbally stated that they will not cover ANY weight loss related procedures. My doctor is wanting me to do the lap band procedure so I would like to see about getting my own insurance that will cover the cost. Any suggestions?
Asked by C G - Fri Nov 9 16:21:19 2007 - - 2 Answers - 1 Comments

A. Many group policies do cover lap band and some individual policies do as well. However, the individual policies have height and weight guidelines, and if you're overweight enough to have lap band recommended you will be outside those guidelines and will be declined coverage. You may want to check with a local independent agent just to make sure but don't hold your breath. If you do find a company that will accept you and will cover the lap band procedures they'll probably have a waiting period before you can get covered.
Answered by Zarnev - Sat Nov 10 22:09:22 2007

Why is home insurance limited to each and every different type of disaster?
Q. 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… [cont.]
Asked by Craptacular Wonderment - Sun May 27 19:37:38 2007 - - 1 Answers - 1 Comments

A. 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).
Answered by Don,The - Sun May 27 20:31:51 2007

What is the best health insurance and life insurance policies to go with?
Q. What is the best health insurance and life insurance policies to go with? I am recently out of the military and need to purchase an individual health ins policy. However, I am not sure which ones are the best. I am a student, do they offer any good student policies? Also, is the SGLI to VGLI conversion a good change to make? If not, which is better term or whole life insurance policies?
Asked by Bakp Iapa - Sun Sep 27 13:35:47 2009 - - 1 Answers - 0 Comments

A. insurance tips :
Answered by Path Ock - Sun Sep 27 17:34:46 2009