 Can you lose your house if you have no homeowners insurance? |
| My baby-mamma's insurance was cancelled & she has not made the effort to get a new policy for almost a year. Can the mortgage company take her house?... |
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 Life Insurance Question? |
What are the statistics of how many people have life insurance, and die at an early age?
I want to know out of the 250 million people in the US, how many people die unexpectatly, not of ... |
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 Is 200 dollars too much for 500k life insurance? |
I get this in my email box and was wondering if the quote there was right
<a href="http://dealsaway.com/ads target="_blank">URGENT!
Life ... |
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 I am working in pakistan,how can i get job in usa ? |
Bechlor of commerse having sound knowdgle in the capicty of Textile field,Mechandiser
Additional Details
Working here in Pakistan as manager Merchendiser in textile field,having sound ... |
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 Are proceeds of Life Insurance tax free? |
| I have a term life insurance policy with my spouse as the sole beneficiary. I wanted to know if she were to collect on that policy, are there any taxes due on the face value or would she be entitled ... |
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 Travel Insurance and Health Insurance for Denmark Visa?? |
which one is mandatory for the Denmark Visa ? "Travel Insurance" or "Health Insurance" ?
...And is there any difference between these insurances? If anyone has a little ... |
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 I had a car bump into my rear while what do i do next insurance of his wont pay?? |
| picking up my child at school an some guy bumped into me trying to squeeze his big black truck into the line he bumped my vechile and then picked up his kid and left i tried to get ahold of him ... |
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 Were do you really find a good and cheep auto insurance quote.? |
no gimicks
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this must be a hard to answer.
the rich get richer&the poor stay ... |
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 How can I get health insurance that includes maternity? (not through an employer)? |
I own my own business and need health insurance that includes maternity benefits. Surprisingly (to me) this is nearly impossible. Any ideas?
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I'm already married ... |
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 What if you don't have your co pay when you go to the er with insurance? |
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Are you sure they will bill me? I have blue cross blue shield for over 1 year but never used it. My card say's $50-100 co pay for ER,but I don't have it now.... |
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 Can I have car insurance policy under my father even after I'm married, changed name and address? |
| I have insurance policy under my father since I was single. Now I'm married and I included my fiance on the policy. We moved out of my parents house. My fiance and I just bought a new car and the car ... |
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 I took out a insurance policy in 1990. The agent wrote down the wrong year of my birth. and now he tells me ? |
| He tells me that when I die, the money that I should have been paying monthly, will be subtracted from the total amount of my policy. This means the face value of my policy will greatly decrease. T... |
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 A few days another driver hit my car, so i followed guidelines called the police filed a calim(he was found at |
| at fault i went to get the estimate(672) but his insurance wont pay for it because of so called confliciting stories!! i have the police reports that say he is at fault how is that conflicting what ... |
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 Accidental death insurance claim question? |
| My father died 10 years ago from a accidental drowning accident while tubing at a river, he was not married at the time and I am his only child.Anyway I recently found a accidental life insurance ... |
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 How much does your credit rating affect your car insurance premium? |
The CSR from my company just told me that continuous coverage is much more of a discount than a good credit rating gives you.
So, overall, about what percent do folks in the know think that the ... |
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burghguy | Auto accident, other driver at fault? |
Was in an accident where the other driver ran a stop sign and hit me. He admitted it was his fault and my insurance is assigning 100% liability to him. I drive an older car that I bought used and the damage will probably exceed its value so I'm assuming they will say its totaled. How much should I expect to get? Can his insurance pay me less than what I paid for the car? What if I disagree with their offer?
Additional Details
So I can actually get less than what I paid? |
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Luna & Lawnboy
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You will get the Actual Cash Value for your vehicle. Most insurance companies do not use the Blue Book, Red Book or Kelley's. They use third party companies like Certified Collateral Corporation which determine the value of your vehicle based on the local market. So, yes, you might get less than what you paid for the vehicle. When the offer is made, and if you disagree, go over the options that were used to evaluate the vehicle, and make sure they have the correct mileage. What was the condition of the vehicle......Excellent, Good, Fair or Poor? If you cannot agree, then most policies have an Arbitration clause. You, your appraiser and an independent decide on the value of the vehicle. Good Luck. |
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Cara C
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Get a lawyer dude!!!!!!!! you cant settle for anything! you need to take action! |
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stephenweinstein
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If the car is now more used then when you bought it, giving you what you paid would be letting you benefit from the accident. You would have gotten to use the car for free. Suppose someone had a 20-year-old that they had bought new and were amount to junk (for nothing) when someone hit it, so they got reimbursed for what it cost new?
If you disagree with their offer, you do not accept the offer. Then you sue them. |
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bud68
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You will get "actual cash value", nothing more. That is the way insurance works. It doesn't matter what you paid for it way back when. |
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Bethany M
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It's not the company's fault if 1. you paid too much for the vehicle, or 2. you still owe more than the vehicle's worth. They should pay you the actual cash value of the vehicle plus sales tax and title fees.
If you disagree on a value, you don't have to accept the offer, but in my opinion, 90% of insurance companies pay fair amounts for vehilces. Most of the time the confusion happens because people have an unrealistic view of the condition of their vehicle. It's NOT the only one that was ever made and it's NOT in excellent condition. If you go to nada.com or kbb.com to get a value, make sure you rate it as a private party sale in average condition.
P.S.- If there was old damage that was on the car before the accident, be prepared for them to deduct for it. It's legal, and a common practice. |
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mbrcatz
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You get actual cash value for your car - what it was worth, one minute before the accident. You can get the value from www.kbb.com, be sure to be honest about the condition and any old body damage, and use the private party sale value.
His insurance company isn't responsible for what YOU paid for the car. If you paid $100,000 for a $2,000 car, that's YOUR problem. They pay actual cash value.
If you disagree, you refuse the offer, and you take him to court. Then you have to prove to a judge, why the actual cash value of the car is more than they offered. That's STILL all they are responsible for. |
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Princess
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Most companies will give you blue book value on the car. So if the blue book value is less than what you paid then yes....you will get less. |
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Scrappy52
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All you will get is the value of the car, on todays market, it does not matter what you paid for it. Insurance is a scam. |
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