 Cashing in a my life insurance policy? |
| I have an insurance policy that has been paid in full that was bought for me by my grandparents when I was a kid. I was wondering what the pros and cons of cashing it out to pay off all of my debt ... |
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 My chronically ill child(15) has spent her 1 million lifetime health insurance maximum. what do we do now? |
| we make 100k a year.but even this is not enough for her medical expenses. Are there programs we can use if we make too much money but can't afford her medical care without insurance.... |
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 Which Is Better Term Life or Whole Life? |
| Im under the impression that if you get Term Life, and lets say you die at 12:01 a.m., the day that you need to renew your policy, then your screwed because the term of the policy is already over. Y... |
|
 My wife is having our first baby, I have a question about insurance/hospital costs? |
I have Bluecross of California, this is our insurance info:
$300 deductible
25% co-insurance
$2,500 out of pocket maximum (stop loss)
So if my wife has a hypothetical ... |
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 Can I be forced to pay insurance for stepchild? |
Here's the situation. My husband makes very little money. I have him covered under my insurance policy.
Until recently, my stepdaughter was covered under Child Health Care Plus. C... |
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 My brother is 40 & has a great paying job but NO insurance of any type. He say he needs none, is this true ? |
| He has no health ins, no life ins, no dental, he does have a job that pays roughly $350 a day (chief software engineer) proficient in numerous software languages, ie. c++, visual basic etc - but zero ... |
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 Life insurance...do I need more coverage? |
| I am 27, good health but family has a history of high colesterol, high blood pressure, cancer, etc... I am also a single father to a 4 year old girl. I have a small ammount of coverage through my ... |
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 Are answerers immune? |
| from legal action in the event of erroneous answers.... |
|
 Need name for my new business? |
| I NEED HELP TO CREATE A NAME FOR MY INSURANCE AGENCY. DON'T WANT TO USE A PERSONS NAME OR MY NAME. I WANT SOMETHING STRONG.... |
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 Need help with a health insurance question.? |
| I have been offered a much better job than what I have now in another state (12 hr drive away). My wife is pregnant and due at the end of November. If I take this job she would no longer be covered ... |
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 Where can I buy group health insurance besides work? |
| I'm thinking of starting my own business, or just going on sobatical. I need catastrophic coverage (emergency room visits) and a good prescription plan (to cover long-term meds) at a minimum. F... |
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 No insurance to pay off hospital bills? |
| I recently went to the ER for pain in my abdomen and now i have recieved over 7,000 in medical bills plus the ambulance fee. I live in Illinois and supposedly no one is turned down for medical ... |
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 Auto insurance question - this is crazy!!? |
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letsroll
S
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 Paid twice by insurance? |
| My previous car insurer has cancelled my policy 3 month into the policy. They said they would pay me for the 9 months i had left. The thing is they paid me it on the 22nd august by the correct amount ... |
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| Do I have to pay this medical bill? |
| I had a car accident 6 months ago and was unconscious when the ambulance sent me to a hospital. I have full medical coverage but they only pay part of my care when I go to a different hospital. Now I ... |
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don | A dumptruck kicked up a rock and cracked my windshield. Can they be held responsible to pay for the repair? |
I have the license number, and day and time of where it happened. it's the second time in 3 months this has happened and I don't think it's fair I should have to keep paying for this. |
 |
 
Mr. Peachy®
|
What if your car kicked up a rock and cracked my windshield? Would you feel responsible to pay me? Of course not.
Obviously, the person responsible is the kid that threw the rock out into the road. Good luck finding him or getting any money out of him.
Act of God, indeed! Silly woman. |
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Lil Panda
|
if they didnt have regulation mud flaps on in certain states they may be held accountable but you would really have to fight hard for that one. most of the time they wont give up with out a fight. they dont pay for that sort of stuff easily. |
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bbumple
 |
If it kicked up a rock they are not liable for that, if they were overloaded and a rock flew out of the truck they are liable for that. You will have to prove that for their insurance company to pay for it. A lot of businesses are pretty reasonable and if you present your story to them and are honest they may pay you out of pocket. If not, contact their insurance company and file claim, it can't hurt to try. |
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nurse ratchet
|
That may vary from state to state, but in Oklahoma, it is considered a "road hazard" and the vehicle is not considered at fault. The rock must come from the vehicle for them to be liable. |
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Marie
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In many causes if you have comprehensive you can have the windshield replace without a claim on your policy and you pay the deductable. |
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Letsee
 |
No. I agree that it isn't fair. It does, however, come down to your word against theirs and it is legally considered an uncontrollable accident. Neither the legal system or the insurance will consider such a claim. |
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mermaid_15021
 |
Its called, "act of God". and you are responsible.... |
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Coffee Quaffer
 |
Maybe I'm wrong, since everybody here has expressed the opposite opinion, but I believe there is an obligation for a vehicle to secure its load properly. |
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dozierrobert
|
When this happened to me I was in traffic so it was not difficult to get the license of the truck. When I call my insurance they said it was considered an "Act of God." If I wanted to file suit in small claims court for the deductable I could but it was their experience that I would be unsuccessful. |
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gjonesother
 |
No, they cannot. |
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Neliza Ann S
|
Yes you can charge them for the damage done as long as you can prove that they are liable for the damage. If they do not admit their fault you will have to go through court proceedings |
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browbot
|
I would call the dumptruck company and explain the situation. This happened to us a few years ago, and the company agreed to at least pay our deductible so we were not out of anything. It was worth the phone call! The worst they can say is no, right? |
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susieq ♥'s all 7 words
 |
The dump truck has no control over the rocks on the road. They have no liability in this case. Had the rock come from the load on the truck they would be liable. |
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mbrcatz
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Yes, they are legally responsible for it. Tracking them down, however, is another story.
You should report this claim to your carrier, pay for the repair, and have your agent call the adjuster WEEKLY until they've subrogated for the repairs.
Hopefully, the dump truck is owned by a private company and not a governmental entity (such as highway department or public school). Because if it's owned by a governmental entity, they don't have to pay - governmental immunity. |
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spot
|
Insurance co will fix your windshield and it won't affect your premium. You don't have to pay for it. They won't even go after the dump truck. Just call them and get a name of the window repair co. |
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