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 How much is mortgage insurance on a 100,000 home loan?
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 Does health insurance make you paid for medical bill (OB visit) after abortion

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I been going to a OB doctor for a while until I decided to get an abortion. All the medical bill have been paid by my insurance to the OB for the visit but I was ...


 Can you get a life insurance policy without them knowing about it?
I ask because I have a biological father that does not know wbout me.
I have his SSN and all the other information about him but I don't want him to know I have a policy.
The policy ...


 What comany would you reccomend for home owners insurance?
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 Do you know if most employer-provided insurance will cover step children??
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 How do you start up your own .com insurance company using Lloyd's of London underwriters.?
I am looking for contact names within lloyds to float an idea and then get venture capital to launch. It sounds very grandiose but i feel sure its a good sound idea with a niche market....


 Name all the insurance companies of india?
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 Has anyone in the uk had any car insurance from "Kwik Fit", if so , were they happy with their policy.
They are coming up the cheapest for my mondeo after going on to confused.com....


 Why does my health insurance partially cover things even though I have a deductible (not that I'm complaining)?
It's weird, I thought since I had a deductible I'd have to pay out of pocket for everything up until I reached the $4000 point, but every time I hand the receptionist my card she says, &...


 Can ins co pay for doctor not in their network, then not pay hosp. bill??
HMO ins. co told me I could take my child to PCP (primary care physician) that is not in their network (none in our area). Ins. co said we just pay $10.00 above co-pay.
We went to this doctor ...


 Purchased dis. ins. on mortgage and was then diagnosed with cancer, how to get them to cover?
shortly after purchasing disability ins. i was diagnosed with testicular and lymphatic cancer that was very aggressive. while in chemotherapy I contacted the insurance co. to claim. I was totally ...


 I just got kicked off my mom's insurance and I was seeing a psycholgist.?
I tried to apply for other insurances such as Blue Cross, Kaiser and even mediCal but did not work out. I just graduated and it has been difficult finding a job. I really need to see my psychologist ...


 Will my parents insurance go up if my boyfriend drove my car (my dad's name and insured) and got speeding tick
the car is in my dad's name and my boyfriend is not on the policy but I stiil gave it to the officer and he just gave it back. Will my parents insurance go up even though he's not on the ...


 Looking for Homeowners Insurance in Pinellas County, Florida?

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No claims & not in a flood zone....


 Who regulates the Insurance Industry, the federal government or each State?
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 Should you have contents insurance?
Even if you have nothing of real ...


 How do you get flood insurance from the NFIP?
I already live in a community that enforces the floodplain management ordinances, but how do I get the insurance?...


 Hello. i have settled an insurance claim in new jersey?
i was told by my attorney that he would take 30% of the settlement. i settled for $5000. but my attorney only wants to give me $2800. he says there are $800 additional fees. shouldn't all of his ...


 Are There Any Affordable Dental Insurance Policys on the Market?
I am wanting some work done on my teeth but do not have dental insurance, where can I find affordable dental insurance?...


 My unattached garage was just destroyed in a storm. How will the adjuster determine the replacement value?
I had an unattached, 2 car garage, which was just destroyed in a storm. I had it insured under my homeowners policy for $12,500.00, and it is a total loss. I am interested to know how the adjuster ...



Chung
Do I have to pay my neighbor?
The fire that started from my house spread to my neighbors and it burned their houses. The accident happened when I wasn't at home and the reason for the fire was electric leakage from fire examination. Then am I responsible for paying their damage of the houses even if it's not my fault?
                     
 




Sue
Rating
First, your neighbor should file the fire loss under their own homeowners insurance. Their company will investigate the loss & if they feel you are responsible, they will subrogate against your homeowners policy (liability coverage). Depending on your state statutes, your policy may or may not pay under liability. When your insurance company investigates your fire loss, if they feel someone else caused the fire due to negligence, they will contact that other party & ask them to pay what they paid (both your loss & your neighbor's if they paid on that) or tell them to give it to their insurance company for compensation, depending on what they have for coverage, their policy may or may not pay under liability (if they accidentally caused the fire, could be under GL - general liability, if there was faulty workmanship, unless they had professional liability, there would be no payment). Now if there was a faulty part of something, your company may go after the manufacturer of part.
This sounds like it could be long & drawn out. You should file your fire loss under your homeowners policy, your neighbor should file under his homeowners policy & let the companies figure it out. That is what they do, that is what you pay them for. If your neighbor waits for your company to pay them, it could be a long time because they have to fully investigate everything before they pay anything on liability. The fastest way for them to get repairs done, is file with their own company. YOU personally will not be responsible to pay them, your insurance company MAY be responsible to, depends on what I said above. You may have some out of pocket if you policy pays his company & if you do not have enough personal liability to cover the damages. Also, hopefully you have enough personal liability to cover their losses if it comes to that. If you have less than $500,000, raise it, get $1,000,000 if available - won't help you with this loss but is good for the future & it is cheap.


src50
Rating
Contact your homeowners' insurance company.


Ladycat
You'll have to check with your insurance company to be sure - and it may depend on what state you live in - but I would think that it's something your insurance would pay for initially. They may go after the people who conducted the fire examination, which is who should be ultimately responsible.
I would definitely talk to an attorney who has experience with property law in your state, it seems to me that there might be a good case for negligence on the part of the examiner.
It's worth checking, since even if your insurance pays, you'll pay too - for higher insurance premiums.


Steve S
For Liability to pay which is what would pay there needs to be negligence, Now that is where insurance comes in, and the adjuster. There house would not have burned if your had not. If it pays it will pay under the same claim for both yours and there home so you should have 2 claims against you. Just a higher amount of payout. You should not have additional money out of your pocket unless you don't have enough liability coverage.


mbrcatz
Rating
No, responsible means "at fault". You are not at fault. THey'd have to sue you, but no lawyer is going to take this without $10,000 in fees, up front - because no court is going to find you at fault.

So you don't pay.


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