 How much will an insurance company pay for a whiplash injury? |
| I was rear-ended by a tractor-trailer at a low speed (10 mph). There was only about $900 damage to the bumper of my SUV. I went to the emergency room and had x-rays and went to a chiropractor for 8 ... |
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 Does Insurance pay for damage done inside the house from a bad roof? |
| walls are leaking in areas after a bad rain storm we got tonight. Does insurance have to pay for the damage done inside to the walls and floor?... |
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 Life insurance policy? |
| have been married to a man with 3 children from a previous marriage two of his own and one adopted.Three months ago i received a notification from his life insuerer company that although i am my ... |
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 I am a college Student with no health insurance....? |
| I am transferring so there is no sense in getting it at my school, and the new school doesn't offer it. My parents just have family health plus and if they send in my income,my whole family wont ... |
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 Clueless-- Please help! What kind of life insurance does my husband need to buy? He is an ironworker.? |
| which is kind of a dangerous job. And if something were to ever happen to him he wants to make sure that the house would get paid off and I would be able to continue to stay at home with our kids for ... |
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 What is the cost to insure my engagement ring? |
| I know that home owners insurance covers jewelry but if I wanted to insure my ring separately, at what rate of the ring's appraisal amount is the yearly payment for insurance?... |
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 What is the best company to buy term life insurance? |
| I'm trying to find a company to purchase term life insurance. I want a good brand and not some scam. Thanks to anyone that replies.... |
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 Is it better to file home insurance claims seperate or just one claim? |
| My home sustained some damaged due to a snow fall back in december. I didn't file a claim back then and now that I got some shingles damaged due to strong wind i would like to file a claim. I ... |
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 My husband got a speeding ticket and got 2 points on his liscense, please read? |
| We live in charleston SC, he tried to plead not guilty and question the cop (idiot) and the judge told him he couldn't question him at all, but the same method did work in another county in SC, ... |
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 How do I get affordable health insurance for my son? |
| I was in between jobs last year so I had to put my son on medicaid. As soon as I found a job I let them know but they kicked him off of it anyways. The problem I am having is that my insurance at ... |
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 If someone doesn't list a preexisting condition, how can the Insurance Company find out? |
| If someone was to apply for health insurance, but they did not list a minor preexisting condition, could the company find out about it?... |
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 How does my mother cash an insurance check with multiple lienholders names on it? ? |
| Our home caught on fire Thanksgiving (November 2008 Electrical Fire). The insurance company has finally issued a (small) check for the restructure and rebuilding of our home. However there are 5 ... |
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 What is the best insurance company to take out a policy on someone else? |
| My mom is getting pretty old and my sister and I would like to have something in place to help offset the costs in the event of her death. So, are there any suggestions as to companies that we could ... |
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 Is $1600 a fair offer for a accident settlement? |
| We were in a recent accident and my 18 yr old son went to the hospital with a pain in his side soon after. He was released about 2 hours later and given a muscle relaxer. He seemed fine and didn'... |
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 Who is responsible to pay the extra? |
My partner and his brother have just done a job for someone through insurance. There was a lot of burnt conifers and gardening work to be done.
He gave them an estimate for ex amount of ... |
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rollwit2002 | Do they drug test you for life insurance.? |
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daniellet_212
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Yes they do. There are some companies with policies that don't require any testing at all, but the policies are lesser amounts. In normal policies they test for drugs, nicotine, HIV, plus other health factors like blood pressure, weight, height, etc. And if a test comes back positive for drugs, they will more than likely deny the application, and that denial is in a database so you won't be able to get any other company's policy for about 10 years usually |
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nurse ratchet
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That will depend on the guidelines of that particular company. Your age and the amount of insurance are also considered. mbrcatz is wrong about coming back 3 years later. After a policy has been in effect for 2 years, it cannot be contested for any reason. That is why death by suicide is covered after the policy has been in effect for 2 years. |
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Faye H
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They can require a physical and that physical usually includes blood and urine tests, in which case, if you're using drugs, they'd likely find it. |
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deep5223
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It depends on the amount. Some companies rely only on your answers to questions for small face amount policies. The larger the policy, the more requirements are needed to get the policy issued. Think about it. The company is on the risk. Small amounts don't matter much, but the larger the amount, the more risk the company has and therefore the need to know it is doing its best to minimize the risk. However, as stated above, if you lie on the application and die in less than 2 years, the policy can be voided. |
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Rob D
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Yes, they do. However, once the policy is issued, the cause of death will have no factor on payment of the death benefit. The exception is suicide or fraud within the first two policy years. Fraud is almost impossible to prove, as the company would have to prove that the deceased was an active drug user or had a specific intent to use at the time of signing the application. After the first two years, the company is bound to pay no matter what. |
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bugs280
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It depends on the company policies and the size of the policy. The more insurance you are buying the more they will check you out. If you lie and test positive, you'll never be able to buy life insurance. |
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mbrcatz
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They usually screen for drugs during the application process. If they don't, they can always do a hair test if you die within the first three or so years - if it comes back positive, and you lied on the application, it voids the policy. |
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