 I need help friends! I am interested for medical insurance, but i dont know anything, plz suggest me!? |
Idont know which policy is good and plz also tell me if i do a insurance after how munch time i can claim for that?which is smallest time priod policy and how much i have to invest for that.
A... |
|
 I need insurance leads? |
| i am not getting any business I need leads where should I go? I sell Life insurance and home auto ... |
|
 Online insurance companies offer Single trip family travel insurance? |
| I came to know that Single trip family travel insurance is really something to watch-on before you out on a tour.In India people do purchase health insurance and purchase medical insurance. How good ... |
|
 What is the disadvantages of being a Insurance Agent or Mutual Fund broker ? |
| Want to know the disadvantages of being a Insurance Agent or a Financial Advisor.... |
|
 Good or Bad Idea about car insurance: I am a broke college student with a $200 car payment a month.........? |
| I am a broke college student with a $200 a month car payment. My monthly insurance is $240. So every month I am paying almost $450 for a car plus full coverage.And that is with a deductible of $500... |
|
 What do you do when Insurance pay out is not enough? |
| We had a lightening strike and lost our tv, the insurance are willing to pay out but the tv they are offering us is no where near the price that we paid for ours (albeit several years ago) and is not ... |
|
 Claims or underwriting, which one has better career prospects and job availability? |
| I am abit confused as to what area to go into, claims or underwriting. I have a background in law and I am really interested in the insurance field. I am looking to getting into a field that provides ... |
|
 Do we have a lawsuit? |
| my husband is "sub contracted" by my father, basically for tax reasons. He uses all my fathers equipment and does all my dads ***** work basically. he does not do anything on his own time ... |
|
 Question about Social Security, Medicare, Insurance? |
| I presently work, and have Medicare Part A. I have Blue Cross Blue Shield through my company and pay about $320.00 per month, my company also pays $320.00 per month. $640.00 per month is excessive. W... |
|
 If my ins co got wind that i have a younger brother in the house, and I went with another company? |
| Ok... Stupid me, trying to be nice and help my younger brother out... I did a "what if" quote with my insurance company and since he lives in the same house, they automatically put him on ... |
|
|  |
gambitleblanc | Do I have to add my roommate on my auto insurance policy? |
My roommate and I each have a car but we don't share the same insurance policy. He has his own and I have mine. I just got auto insurance for my new car and the agent was telling me that I should add people living with me, but his driving record is bad and I don't want it to raise my premium. The agent said that anyone who doesn't live with me can drive my car and they'll be covered, but because my roommate lives with me, he won't be covered even though he has a different policy. |
 |
 
moneybagsgrl
 |
I don't know how the law works in your state, but in VA you're supposed to list everyone in the household onto your policy, even if they have their own isurance. Like Progressive for example, you can list them and provide proof of their insurance and they will not have to be rated or you charged premium for them. If they drive your car and have an accident without being rated on your policy, some companies have a clause in their policy not to cover them. You would be responsible for the damages. I would see if the company you are with can only LIST him/her in the household with proof of their insurance and not be charged for it. If not, check with Progressive:) |
|
mbrcatz
 |
If he lives with you, and EVER drives the car, and you don't list him, then the problem is "material misrepresentation" - failure on YOUR part to list household members. That means, the insurance company doesn't have to pay if he cracks up the car. Some companies are super strict about that - like Progressive. They won't pay for your car, and they won't pay for any damage he does to anyone else's car with yours - YOU will, out of pocket.
Other companies are more lenient - that means, they'll pay, but add him on retroactively to the beginning of the policy, AND his surcharges, and bill you for it. And if you don't pay, they'll cancel you and send it through collections.
The problem is, the standard auto policy won't carry over onto other vehicles IN THE HOUSEHOLD, or AVAILABLE FOR REGULAR USE. So, your agent is right.
Either list him, or NEVER EVER EVER let him drive your car. |
|
Quixotic
|
What is your agent smoking? He's probably trying to make more money.
Don't do it. |
|
TaxMaven
 |
DO NOT add him to your policy. If he has a wreck - YOU (the policy holder) can be sued. However, since he lives w/ you, if you don't add him to your policy, you will have to EXCLUDE him from your policy. That means DON'T let him drive your car b/c YOUR insurance won't cover him or it if he wrecks it. |
|
Garacaius
|
Do not add your roommate to your policy. Let NO ONE drive your car. You can always have it noted on your policy that you are the only driver if needed. |
|
Gambit
 |
The only thing you can do is submit the person's name and DL #, along with the name of his insurer and policy number (or better yet, a copy of their policy) and inform the insurer that you do not want to add him as a driver to your policy. If your insurer still insists on adding him then either inform them that you wish to have him excluded from the policy (the insurer may want to do this anyway), or find another insurer who will not add him. There are many insurers out there who will be happy not to add a driver in the household to your policy as long as they have insurance elsewhere (and maintains it), so seek them out. If your current insurer still insists on adding him you could always file a complaint with your local regulatory body, but it may be easier just to find another insurer. Good luck. |
|
jeffrey_alvarez2002
|
Do not add your roomate to your auto insurance. Besides, why would you lend your car to your roomate if he has his own car and insurance? In doing so, it will raise your premium and definitely will cause problems for your insurance. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
7 | 23 minutes(s) ago
| | | |
7 | 56 minutes(s) ago
| | | |
7 | 2 hour(s) ago
| | | |
7 | 6 hour(s) ago
| | | |
7 | 8 hour(s) ago
| | | |
7 | 11 hour(s) ago
| | | |
6 | 1 day(s) ago
| | | |
7 | 4 day(s) ago
| | | |
8 | 6 day(s) ago
| | | |
7 | 2 week(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
