 Life Insurance as a supplemental investment? |
| I want to buy universal life insurance as an investment option to supplement my 401K and Roth IRA. I am 40 and single, no health concerns. Is this a good option to build cash value? If so, what ... |
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 I thought insurance was supposed to take the worry away? |
| As a responsible pet owner I have pet insurance for both of my cats. My male cat has been suffering from a number of different problems which should all be covered by this insurance. However the vets ... |
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 Is neighbor responsible for the damage to my condo caused by her toilet overflowing while she's on vacation? |
| My ceiling on two floors and in three rooms is ruined by water that came from our upstairs neighbor's running toilet. She lives on the 3rd floor and we live on the first floor. Our unit is &... |
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 I am going to lose my dependent status on my parents insurance policy. How do I apply for COBRA? |
| I am a junior in college and I am planning ahead to get married with one semester left to go in college. The dilemma is that I have a preexisting condition, Type I Diabetes. I cannot get covered by ... |
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 What would you do??? Please read details!? |
| We hired a restoration company that was referred to us by my insurance company. At the beginning of their repairs they damaged our flat screen TV that we have mounted on a wall. Today I was told ... |
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 Currently living at home on parent's auto insurance policy, can I get my own? |
| I am a full-time student with a daughter and will be living at home until next Fall. I have been on my mother's insurance policy (paying for my part of the premium) since I had my license at 16.... |
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 Is this a fraud promotion? |
I recieved a check for $2,194.00, from the Authentic claims, Inc. It says I am to send the check to cover taxes, surcharges, and insurance on the winnings. Then they will transfer funds of
$54,00... |
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 Life Insurance Questions.....? |
| What kind of tests do they make you do when you get life insurance? I know they will probably check your height/weight and blood pressure. But what else will they do?... |
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 Apartment Insurance? |
| I live in the basement of a house. Am I covered on my landlords insurance policy, or should I invest in renters insurance?... |
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 Life insurance / suicide clause? |
| My husband committed suicide 3 weeks ago, and left me w/ a lot of bills and 2 kids. He has some insurance policies, some of which he has had for 20 years. My question is, will the older policies most ... |
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 Is there help for families with no health insurance.? |
| I'm pregnaunt and in need of insurance but made $700 too much last year for state insurance. I must have a c section and need to see a doctor but we can not afford it. No doctors want to see me ... |
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 Is there any where that will take 14 year olds to work? |
| Ok well i am 14 and i am desperate for a job i really need the money but i dont know whether there is anywhere that will take 14 year olds as they do not have there own insurance. I live in th UK in ... |
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 Can I Cancel Employer Provided Health Insurance? |
| My employer provides me with health insurance but hardly any physicians in my area are covered by it. Can I cancel the employer provided health insurance plan and go out and seek my own health ... |
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 Water tank pipe burst and flooded house, now insurance company wont pay up, any advise...?? |
| My parents went on holiday for 3 months. A small copper pipe burst from the water tank in the loft after freezing during this time and flooded the house, disaster! My brother was in the house about 4 ... |
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glrjch | Automobile insurance and are they playing games with me? |
Okay confusing situation, my sister and I got into an accident yesterday, the car is on her insurance, (she has full coverage). It wasn't until today that my neck started bothering me. So I am going to the doctor. I called her insurance company, they knew I was a passenger and they said that I needed to go to my insurance company because the PIP on my insurance would cover me in the accident (we are in Florida) I explained the problem with that is that I was actually in the car on the way to register my new car I just got yesterday and on my way to get insurance, and prior to that I did not have insurance. That my last car I just sold a week ago and it was still in my name but I dropped insurance because I was just waiting to receive a duplicate title in the mail so that I could sign it to the new buyer since I lost the original, but now she is telling me she doesn't know if my sisters insurance will cover me even though I was in the car, how does this work in the state of Florida? |
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Phoenix, Wise Guru
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If your sister has insurance for medical bills of passengers in the car (which is generally part of the full coverage), they should cover it, even if you *do* have insurance.
Just push back and they will give. They always say no at first since most people won't argue. If they don't want to play, pull up the specks of your sister's insurance and show them why they are wrong. If the accident was someone else's fault, go talk to their insurance. |
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Professor Riddle
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State Farm sucks!!! Sorry not an answer but a much needed vent.Thank you. |
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Bob
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Check to see if your sister has med pay on her auto policy. If she does it should pay for medical expenses up to the limit of the coverage. Could be $1,000 up to $5,000. Was there another vehicle involved in the accident? If so who was at fault? The other drivers liability coverage will kick in if they were at fault. |
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mkulda
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First things first....you need to find out if your insurance own insurance is still in place.
Even though you 'dropped' it you might still have paid premium that has not been used yet and if so, your coverage may still be in place. (If you already received a cancellation notice then it is not in place).
If it is not, this part is very clear.
Your sister's PIP will cover you.
All you have to do is say you were uncovered by other insurance and her insurance will cover you.
One other complicating factor, if you are injured enough and the other driver was at fault, you might still be able to file a tort lawsuit against the at-fault driver if you meet one of the tort thresholds. In that case, you'll want to find an attorney who can sue the at-fault driver, whose liability insurance will pay you, if you qualify. |
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leadbelly
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do you have the option of suing your sister or the other driver? her/their insurance would then pay the claim. |
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spot
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I don't know if FL has different law, but, normally, the passengers are covered as well. The insurance is designed to cover the car and everybody in the car. Since it sounds like your sister caused it, her insurance is responsible for your medical cost at least (and often times they would pay you lump sum so you would sign a release promising not to come back with more claim later). Have your sister look at her policy and make sure passengers are covered and go back to them and demand to talk to an adjuster. |
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callmecam2
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I work for a major insurance company and checked our guidelines. For our company, the driver's PIP will cover guest passengers ONLY if the guest does not have his/her own coverage. I'm not sure if it's different for other companies, but with our company and your situation, it would appear your sister's PIP would cover you since you had no coverage.
It's pretty straight-forward in our guidelines, so I'd think you should be able to get a straight-forward answer pretty easy from your sister's company. |
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Woody B
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If you did not have insurance at the time, then her insurance will kick in (PIP). |
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mbrcatz
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Your policy is primary, and your sister's policy is secondary. If your policy was flat out cancelled, then your sister's policy should pay. But it's pretty unusual to cancel your policy for "a week". If you don't have to sign a new application and pay a new deposit, your insurance policy is probably still in effect. |
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