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 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 - 2 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 do we get insurance companies to reduce medical insurance premiums to employers?
Q. 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?
Asked by Begi Tuin - Sun Sep 27 13:50:57 2009 - - 1 Answers - 0 Comments

A. insurance tips :
Answered by Path Ock - Sun Sep 27 17:47:08 2009

How long is a insurance company required to give before they cancel your insurance?
Q. My insurance called me yesterday and informed me that they would be cancelling my insurance because I have rented my house to a group of students. They gave me two weeks to find new insurance before they cut me off. I'm having trouble finding someone who will insure us. If they cut my insurance, my bank will cancel my mortgage, and I guess that means I'd lose the house. Is this insurance company allowed to drop me in this manner. When we got the insurance two months ago there was nobody living in the house, but it was rental insurance. We never lied or anything, we were completely honest through the whole process.
Asked by sunny - Tue Sep 26 19:42:43 2006 - - 9 Answers - 5 Comments

A. most insurance policies range from 30 to 90 days on a cancellation for non payment. You need to stop and read your policy carefully. If this is a home owners policy there is likely an exclusion for using the house as a business. When you bought the insurance you were probably purchased it through an agent. He didnt care what you told him. all he wanted to do was sale the policy. It's the underwriter that now wants to cancel it. Bottom line. I think that you have two options. 1. Purchase a commercial property insurance policy. (expensive but doable.) 2. Search around and find another homeowners insurance policy and buy 1M dollars worth of umbrella coverage. I'd spend my time looking for option two. The minute you ask about an… [cont.]
Answered by Thoughts Like Mine - Wed Sep 27 06:09:38 2006

How can people say insurance companies should be able to deny based on pre-existing conditions?
Q. Let's look at an example. Bob has a job. He has health insurance. He gets cancer, and his insurance company pays for his tens of thousands of dollars worth of treatments. The economy goes south, Bob gets laid off. He has to choose between health insurance and losing his house, so he obviously needs to stop the insurance. Later, Bob gets re-hired, and despite the fact that he can afford insurance, he can never get it again, because he has a pre-existing condition. But no, we need LESS government regulation of the insurance industry. LOL!
Asked by Kevin (gonna "B" a daddy 2/26/11 !) - Tue Mar 9 13:58:37 2010 - - 17 Answers - 0 Comments

A. That would be like buying a car with a bad transmission!!! Think about it!!! LOL
Answered by andy g - Tue Mar 9 14:05:20 2010

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

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 - 1 Comments

A. There's no average. You can't average no retro date and no tail, with 30 years of prior coverage. But if you don't "need" this type of insurance, don't buy it. No hospital will actually allow you to use their operating room without it, anywhere, in the USA, but hey, if you don't NEED it, hey. As to where it's cheaper - Not in the state of NY. Generally, the states which limit tort (republican states) are more friendly to doctors. But your professional association, or professional magazines, should be giving you a list of cheaper states. I believe there are at least 45 of them, LOL.
Answered by mbrcatz - Wed Nov 4 09:27:33 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 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 Mei Xiang - Sun Sep 27 13:28:08 2009 - - 1 Answers - 0 Comments

A. insurance tips :
Answered by Path Ock - Sun Sep 27 17:33:15 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

How do i fight with an insurance company and win?
Q. 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… [cont.]
Asked by starsandmoon73 - Thu Feb 15 22:09:38 2007 - - 17 Answers - 0 Comments

A. 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… [cont.]
Answered by Nette - Thu Feb 15 22:20:27 2007

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

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

How long can you wait to notify a insurance company about a potential claim?
Q. 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?
Asked by John - Mon Aug 13 00:24:06 2007 - - 2 Answers - 1 Comments

A. 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
Answered by bob shark - Mon Aug 13 00:33:26 2007

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 type of insurance do I need to run a bus transit company at my university? Ball park price?
Q. I was looking to start a bus transit company that will pick up and drop off students from one point on campus to another. I was wondering what type of insurance am I required to have. I need 4 transits for the company to operate the way it is supposed to. Does anyone know what type of insurance is required for an operation as such and/or how much that insurance would be? I don't need an exact price, I am just looking for a ball park price. Thanks in advance.
Asked by jharristhetruth - Mon Jan 18 22:22:47 2010 - - 2 Answers - 0 Comments

A. You will need a few types of insurance. General Liability, Commercial Auto and workman's compensation if you plan on having any employees. General Liability - This protects third parties if you are negligent and cause harm to a person or property. (Does not cover accidents that happen while behind the wheel) Commercial Auto - This is just like personal auto insurance but for vehicles used commercially. Workers Compensation - This covers your employees in case of an accident either in or out of the vehicle. I bet the general liabilty and workers compensation will put you back about $1,200 per year. The autos, figure anywhere between $1,500 and $2,500 each. There is no way to get a price without talking to an insurance broker.
Answered by John the Insurance Guy - Tue Jan 19 14:25:18 2010

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 - - 2 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

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

How exactly does insurance affect our economy?
Q. 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.
Asked by Memu Jamu - Sun Sep 27 13:44:22 2009 - - 1 Answers - 0 Comments

A. insurance tips :
Answered by Path Ock - Sun Sep 27 17:45:44 2009

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