 I am pregnant and have no insurance(California), can i be on my husbands? |
I am 4 months pregnant and am not covered by my employer, however my husband has new insurance through his new job, can i be covered by his group plan even though i have no coverage currently?
A... |
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 Home Owners Insurance......Guys I need help...I tried calling my auto insurance company to get an estimate as ? |
| to how much I might be looking at spending annually on a $380,000 property, but they said that they could not give me a idea because a lot of things have to be taken into consideration,,,so this is ... |
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| I am the friend responding to his question. I do have my nails done professionally every two weeks. I am gloved and have very little skin contact with donors. This is a new policy my company is ... |
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 How come insurance is almost double for 2 cars.? |
I can't drive 2 cars at once, only one at a time. Therefore, the odds of causing an accident are the same as if I had one car.
Why don't insurance actuaries know this?
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| I know that for the life insurance, he will have to have a paramed come to his house/work and check him over real quick, and they almost always do a urine test depending on the amount of insurance he ... |
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 Help.. Insurance won't consider my car a total loss...? |
| My current insurance company is allstate. I have a 2005 TL with significant damages. The repair estimate came out to be $18,000. The value of the car is about $30,000. The front frame rails must ... |
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 Home owner insurance question.? |
I had a lot of trees down on my fence during hurricane Ike and I found out my insurance company (American National) doesn't cover fences,but during Rita they did.
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| Car insurance in Houston is so expensive!! I was wondering what is the minimum coverage that I need to pay? I can't afford to pay almost half of my monthly payment on car insurance!! That'... |
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 Help! My insurance will not pay ANY of my $30,000 surgery bill!!!? |
I am a full-time college student working part-time and can simply NOT afford this. I had septoplasty and turbinate reduction for chronic sinus infections.
What would you suggest I do?
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 How do you get hospitals to write off bill? |
| I have been recently hospitalized twice for depression. Unfortunatley, my insurance pays very little for psychiatric care. How do I successfully get the hospital to accept just what my insurance ... |
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 Car Insurance? |
I want to know if it is possible to carry no claims bonuses over.
I had 2 years no claims 3 years ago, since that time i haven't had my own insurance ive been on a traders policy for ... |
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 Illegal or just immoral?? |
| My husband and I got car insurance. Before our policy was up I got into a minor accident (me and my neighbor accross the street backed up at same time- it was ruled I was at fault --I had the slower ... |
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Claire | Auto accident: better to haggle with insurance or get a lawyer? |
The accident wasn't my fault, and I'm still waiting to hear if my car was totalled. I have some neck trauma. The other driver had insurance. |
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Phil
|
In minor injury cases, an attorney rarely increases the money you end up with in pocket, or speed up the claim. In general, they have you sign a contract to give them 33% of your total settlement, plus expenses. They then send you to their doctors to build your case. These medical bills come out of your settlement. They run tests and send you to months of therapy, also coming out of your settlement. Finally, they gather up the records and demand that the insurance company pay you $10 million because of your life changing injury. Months later, the settlement is reached that is way less. The settlement is higher than what would have been if you didn't get an attorney. But the doctors and lawyers take their money, and you are left with often as little 1/4 to 1/3 of the total settlement. And this has dragged out for months.
One reason to get an attorney in a minor injury case is if you are not very comfortable handling business matter or dealing with confrontation. |
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mbrcatz
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Depends on how serious the injury was, how forthcoming the other insurance company was, etc.
Lawyers are going to take 30%. I'm guessing "neck trauma" means you're sore, maybe went to the emergency room - soft tissue injuries only.
Do you know if your state allows pain and suffering for soft tissue injuries? Or if you're a "limited tort" state?
Likely, there's not going to be much money here. If you start racking up bills, the insurance company will be more likely to not be forthcoming. And you might have a lawyer not want to take this on contingency.
In any case, the MOST the other insurance will pay is policy limit - so if the other driver has "minimum coverage", that's not going to help you out at all.
I'd try doing it myself first. You can ALWAYS get the lawyer, but once you do it slows the whole process down in a big way. |
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jennfarmer100904
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Deal with the insurance if you can. I was an adjuster for a few years, and having an attorney did NOT change the amount I offered in settlement, it just made settling more difficult. Then, your attorney will take a large percentage of what you get.
The settlement amount did not change because I always offered a fair amount, based on the accident details, not based on who had the scarier lawyer. |
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cat f
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despite the bad press that insurance companies get, they want to settle your claim with you as quickly as possible. it doesn't sound like a serious accident so i guess i would try to resolve it with the carrier. it's unlikely that the atty will take on the property damage portion of your claim any way. they rarely do. if your car has been appraised then it won't take long to determine if it is a total loss or not. is it an older vehicle? if you have collision coverage, you can always let your carrier handle and subrogate against the other carrier if you feel more trusting that they will treat you fairly. sounds like a whiplash injury. depending on the state, you might not be entitled to make a third-party liability claim. some have thresholds that must be met. on-going medical expenses are generally covered by your first-party coverage. |
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Stan M
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The insurance company is probably trying to settle out of court?? Don't answer any questions that their insurance company asks etc. Hire an attorney immediately and if they ask to speak with you just refer them to your attorney. Don't answer any questions....AT ALL... |
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SusieM
 |
No doubt the easiest way to get insurance quotes is on the web.
Why would you waste your time on the phone calling around?
the last time i needed quotes on insurance i used one of these comparison sites and it was great.
this is the site i used and it was quick like less than 5 mins.
The last thing I want to do is listen to elevator music while waiting for a salesman.
Anyway I got good quotes and ended up saving money so I was happy.
So shop around and compare quotes which is easy on the net.
Good starting point is at this site.
http://insurance.deal4-you.com
Good luck. |
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gitnotted
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get a lawyer insurance companies only think about themselves |
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hottotrot1_usa
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I had a bad experience with an insurance company: Liberty Mutual. Dragged it out for a long time, didn't pay me what the car was worth, etc.
I would give the insurance company one week, if they don't give you what you want, tell them you are going to get an attorney. Then do it. You will have attorney's fees but hopefully they are offset by the higher insurance payment. |
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