 Health Insurance for Seniors in the U.S.A but I'm Canadian? |
I'm 26, A Canadian that is going to buy a U.S small business.(in California) Can anyone suggest a good heath insurance plan.
I also would like to know can I get a plan for my parents ... |
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 Oral office said "yes" they were part of our insurance plan and now I find out they're not. Are we liable? |
Additional Details
My son needed wisdom teeth removed and I called the oral office who said "yes they were part of our plan". However, after insurance paid them, comes to ... |
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 My wife and i are insured to drive our car on fully comp? |
| insurance, we also pay extra to have our learner driver daughter on same insurance !!! now the problem !! we know ther man next door is fully comp on his insurance and can drive our car upon request ... |
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 Health insurance plan with high deductible and health savings plan? |
| i am looking into getting a plan with a high deductible for my family ($5000-10000) and a health savings account. does anyone know how this works? I understan the high deductible insrance but not ... |
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 Why would a prescription not be covered? |
| My husband is trying to quit smoking. He got a prescription for Chantix, and our insurance will not cover it. I guess I am a bit confused as to why an insurance company would not cover something that ... |
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 I had an heart attack while on the job working for a rental furniture company 2 years ago.Never recieved comp. |
| I was on a delivery with a guy while deliverying a 65 inch tv and started having chest pain. Went and sat in truck. Passed out and had heart attack.Recieved by pass operation. Was fired for missing ... |
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 Where is the best place to compare travel insurance products and find the best value? |
| I am interested in worldwide travel insurance to cover multi activity, baby and US travel. But I want to get the most for my money, not just the ... |
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 Just want to know, Can my employer take my whole week paycheck? ? |
| they took my whole paycheck to pay for my insurance premium health. no money left for food is that legal?... |
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 I am 55yrs old and have been caring for my disabled husband.? |
| Sadly he as died and i was wondering if i should get a pension,i am going back to work in 4 weeks (full time).i really don't know if i'm entitled to anything?... |
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 Should I have a higher or lower car insurance deductible? ? |
| 2 cars one year we were quoted 1049 w a 500 dollar deductible. To save some money we can do a 1000 deductible and its 824. we have money in the bank and usually do not use any insurance. I just ... |
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 Can the insurance company give the court/police the information? |
| Over two years ago I was pulled over (in my now EX boyfriends) suv... he didnt have his new insurance card in the vehicle but the suv WAS insured. After this incident (just my luck) I broke up with ... |
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 If you get fired, how long is health insurance from the company available? |
if/ when some one gets fired, or laid off, how long is the health and dental insurance available?
I do believe there is a difference between getting laid off and being fired...
I... |
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 I know nothing about health insurance. Is this a decent plan? |
| Okay, I just quit my job and started freelancing. I have a four year old and we both need insurance. What's important to me is that we can bot get our yearly exams and see a doctor if one of ... |
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 Expatriates - What Kind of International Health Insurance do You Have? |
| I've been living abroad for 20 years now, and have depended on local national insurance. But now I'm looking for more comprehensive health and life insurance (got married, finally, a ... |
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 Is medicare part B insurance required if you are working and have group health insurance? |
| group health insurance? I was told Medicare is primary other group insurance is secondary. please give information I can understand and pass on to those 65 and older and the insurance representative. ... |
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 COBRA medical coverage question, please help.? |
I got laid off and my medical benefits are ending. The benefits officially end on March 1, 2008. The question is:
I have 60 days from that date to elect COBRA. If in those 60 days, if I ... |
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kentucky | Car wreck - insurance company wants to low-ball me? |
My van (1990 Plymouth Voyager) was hit by a little old lady in a parking lot. The repairs are $2500 and the insurance company wants to give me $800 dollars because they say a comparable van in Idaho is advertised in Craig's list for that. Since I live in California, that is not an option, and I see vans around here for $1500 which they don't want to pay. Should I take the little old lady to small claims court, or what? |
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Mitch
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As others have pointed out, the value of the vehicle is subjective. The condition of the vehicles may not be the same, thus some adjusting may be necessary. Remember that it is a negotiation: if you can document why they should pay some additional money, they probably will.
Regarding filing suit in small claims court, be prepared to lose your case also. The judge may determine that the $800 figure is appropriate. The other possibility is that if you file suit, the insurance company may be willing to pay more to avoid having to pay defense costs for their insured in court. If however, you really ARE being unreasonable, the insurance company WILL go to court and defend their insured.
My best advice would be to properly research the replacement vehicles in your attempt to get the insurance company to cough up more money. Be prepared to show what a vehicle in the same condition and in the same location as yours was will cost. Good luck! |
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Dan B
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The insurance company should be using the KBB, not some stupid listing in Craig's List as Craig's List is not an official source for the value of any vehicle. It may be used for comparison, though. You could have found another listing on Craig's List and approach the insurance company with a higher figure to counter their claim. Courts use the KBB to determine value (wholesale or retail I don't know).
You'll have to have your ducks in a row to win against the insurance company. No lawyer will touch this case (not enough money involved). |
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mbrcatz
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Well, they only have to give you actual cash value.
When I plug in your car to www.kbb.com, if you have AVERAGE milage on it, which is 300K for a 17 year old van, if it's in EXCELLENT condition (highly doubtful), the kbb private party sale is $695, which makes $800 generous.
I used 90808 (Long Beach) for a zip code, for CA.
You don't get "replacement value". Even in small claims court, you get "actual cash value" of YOUR van. Which you can calculate, using private party sale value, at www.kbb.com.
If you sue her in court, her insurance company is going to defend her. You both will have to prove value of your van. Not cost to replace, but value of YOUR van. And if you can't convince a judge it's more than $800, you will THEN also have to pay the defense costs of the other insurer, as they OFFERED you a reasonable settlement. |
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Kathleen =]
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get a lawyer, i suppose. |
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