 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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 Is there any point to making a claim on my housing insurance? |
| My son dropped my camcorder last night & has broken it. The camcorder is 4yrs old now but was in very good codition before my son dropped it, would i be best to claim or just buy a now one? If i ... |
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 I received a statement from my insurance company? |
| but the procedure couldn't be done because of how my body is built, my obgyn tried but was unsuccessful...my insurance has already paid, should I call the insruance company and let them know or ... |
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 I have filed a claim on a life insurance policy. It has been almost 3 months and the insurance company .....? |
| ....still have not paid. Is there a time line for the insurance to pay out? Are there policies by the State requiring they to pay in a timely manner? The company did not give me a definate answer. I ... |
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 What's the penalty for knowlingly using an expired health insurance card? |
| Ex husband using old card from wife's group coverage 2 yrs after divorce! Wife gets statements from insurance co showing recent visits.... |
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Jan | Can my insurance company cancel my homeowners after 15 years, with no claims. Reason given,my credit rating..? |
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emariagethai
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They can't |
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SunFun
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Yes, I have read that a low credit score can cause prejudicial treatment from a variety of vendors such as utility companies, insurance companies, employers etc. |
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Stephen B
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Maybe...but probably not. Do you live in a flood prone area? Florida? The Gulf Coast?
I've read that insurance companies are cancelling thousands of homeowners policies to limit their exposure to a Katrina/Rita hurricane. Its a big problem
You can call the company and ask them why you are not being renewed. Maybe they will tell you.
Good luck...I hope you can find a reasonably priced replacement policy. |
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cassee_ame
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I would be willing to bet that there is something else to the notice you received - something used in combination with your insurance score. Sometimes the non-renewal notices are confusing, so maybe you could post the actual wording on here and we could help you from there. |
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kittyrogers
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Yes they can. They are not obligated to insure you. However, if you have been paying the premium all along this would seem strange. What would your credit rating have to do with anything? They don't check that when the policy premium comes due. I think you have left something out of this story. |
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Good♥Gyrl
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Your state's department of insurance would have exact answers on this. Some laws vary state to state. You would also have to read your conditions and insuring agreement section in your policy to find out if this has been included, and under what circumstances the insurance company has contracted to xcl your policy. Generally, an insurance company will include that they have the right to non-renew.
Companies do use a credit score as it relates to insuring you, for the purposes of risk. It sucks, as it usually does not correlate very well (but the companies MAKE it correlate so that it only makes sense to them), and I think it's unfair to a lot of people. Also, look up the FCRA on the FTC.gov website. |
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Rexy
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The insurance industry does use an "insurance score," which is based off of your credit report. It is a score that measures your likelihood of filing a claim, where a credit score measures your ability to pay back a loan, so they are different. Almost every insurance company uses insurance scores in their rating process, which is legal in most states. I have heard of companies denying coverage for new customers based on their insurance score, but I've never known of companies to cancel an existing customer based on insurance score. I am not sure if it is legal, you may have to call your state's department of insurance (DOI) and ask if it is legal. If you have not filed any claims or have made any other changes that would change the risk of insuring your home, it sounds like they actually are cancelling you based on your insurance score, but I would check to make sure it is legal and take action if necessary. Good Luck. |
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mbrcatz
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Yes, if allowed by the state insurance department. You can put a quick call in to your state insurance department and ask them.
If it were me, though, I'd contest the cancellation, as there isn't any "increase in hazard", and you don't have any claims. Along with the cancellation notice, there should be a little disclaimer that says something like, if you disagree with this action, please send a copy of this notice and the reason you disagree to your state insurance department, 123 Sesame St, state capital, state.
Keep in mind, though, that once the insurance company wants to get off your policy, they'll take ANY excuse - late payment, forgot to send in whatever, you won't get ANY grace period or consideration. If it wasn't for the fact that you'll have a tough time replacing coverage with bad credit, I'd suggest you shop around for new insurance anyway. |
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