What is the type of insurance that covers bodily injury and property damage to others?
Q. 1: What is the type of insurance that covers bodily injury and property damage to others? liability uninsured motorist comprehensive collision 2: What is the type of insurance that covers you when you are injured by a hit and run driver? liability uninsured motorist comprehensive collision 3: Insurance is based on the concept of ___ and ___ profit and loss risk and loss risk and return profit and cars 4: Which type of insurance is usually required if you finance your car purchase? Medical Payment Insurance Towing Insurance Rental Insurance Collision and Comprehensive Insurance 5: Which of the following is not a way that a teenager can save money on insurance? Getting on his or her parents' policy Getting good… [cont.]
Asked by dudefornow14 - Tue May 13 12:15:17 2008 - - 2 Answers - 1 Comments

A. I didn't study for this test (haha) 1-Liability 2-Uninsured motorist if you were a pedestrian Collision if it's a hit&run in your car 3-Risk & Loss 4-Comp & Collision 5-Driving penalties 6-All of them
Answered by Tori - Wed May 14 11:04:23 2008

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

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

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

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

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

What typically happens to the insurance industry during a period of economic recession?
Q. 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.
Asked by Jen - Thu Oct 18 22:21:25 2007 - - 4 Answers - 0 Comments

A. "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.
Answered by thenetsurfer - Fri Oct 19 11:01:54 2007

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 - - 8 Answers - 0 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

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

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

What are some insurance companies that offer insurance if you become disabled due to accident?
Q. 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!
Asked by demongelding1@hotmail.com - Mon Apr 2 17:16:02 2007 - - 5 Answers - 1 Comments

A. 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.
Answered by mbrcatz - Mon Apr 2 18:28:36 2007

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

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

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 - - 11 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 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 - Sun Sep 27 13:30:32 2009 - - 1 Answers - 0 Comments

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

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

What insurance company that operates in CA has the lowest premiums on basic liability insurance?
Q. I had Allstate at one time because it appeared to have the best deal on such coverage while my car insurance has been through Mercury. I'm interested in basic liability, no comp & collision. I've got a clean driving record, car license for years but only a motorcycle permit currently. Thanks! It'd be for a Ninja 250, by the way.
Asked by BestAnswerGuy - Thu Sep 17 18:26:50 2009 - - 3 Answers - 0 Comments

A. autoinsurance.bebto.com - try this one. I personally have their car insurance, cause it is the cheapest for me in our area.
Answered by Jim - Fri Sep 18 11:21:10 2009

When I use insurance to fill a prescription does insurance send my prescription information to me in the mail?
Q. I recently filled my prescriptions, and used my insurance (Aetna) to do so, and I was wondering, will my prescription info be sent to me in the mail? Like will I get a bill explaining what they paid? And will it be Itemized? And Can they raise my insurance because of it?
Asked by J B - Thu Jun 25 12:32:43 2009 - - 2 Answers - 1 Comments

A. The drug and health condition for which it was prescribed will be sent to your insurance company for reimbursement purposes. The insurance company will have information (such as diagnosis and treatment) relating to payment of your claim, which was sent by the pharmacy and doctor's office. The information that will be mailed to you will be called an explanation of benefits, or EOB. This will not be a bill. This will show the doctor's or pharmacy's charges, and what amounts you will be responsible for. If you have any specific questions, contact your insurance company. The number is often listed on the back of your insurance card. Your insurance premium (how much you pay per month) cannot be raised during the contract period. Once the policy… [cont.]
Answered by Aspasia - Thu Jun 25 20:29:05 2009

How does health insurance work - when insurance premium can generally increase?
Q. 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.
Asked by tula - Wed Aug 26 17:10:40 2009 - - 2 Answers - 0 Comments

A. 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. Check out this site, if you want to find the cheapest health insurance just in one minute, Here you can get free quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company. Best Wishes,
Answered by unknown - Wed Aug 26 17:11:41 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 Begi - Sun Sep 27 13:52:42 2009 - - 3 Answers - 0 Comments

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

What insurance 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 is gap insurance usually labeled on the actual insurance policy paper?
Q. How do I know if I have gap insurance by looking at my insurance policy? I have Travelers, if that helps.
Asked by CMDS - Thu Jul 23 14:22:05 2009 - - 2 Answers - 0 Comments

A. It will be listed as "GAP Coverage" under additional coverages if you have applied for it when you started your policy.
Answered by oklatom - Thu Jul 23 14:28:22 2009

Where do car insurance companies get your driving record in CA?
Q. 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?
Asked by True2it - Mon Dec 10 16:40:30 2007 - - 6 Answers - 1 Comments

A. 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.
Answered by Scott H - Mon Dec 10 17:17:53 2007

From Yahoo Answer Search: 'insurance'
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TheStreet.com Reaffirms Hastings Mutual Insurance's Rating: "A+"or "Excellent ...

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Hastings Mutual Insurance Company has received a financial strength rating of A+ (Excellent Financial Strength). This top financial strength rating is only ...



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