 Pre-existing condition? |
I have been in turmoil with the temporary insurance company I purchased a policy from a year ago.
Last January, I had a pain in my side for about a week that wouldn't go away so I ... |
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 Car insurance? |
| Is insurance cheaper on older cars?... |
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 Wife wants life insurance for husband that refuses physical and he's 75 years old |
| I am writing this on behalf of my mother. My parents are still married (she is in her early 50's) and my dad is 75. She already has 90K universal life on her husband through metlife, and was ... |
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 How do I live to see another day? |
| I need 50g for my surgery by 2moro, but I can't afford it. I'm 57 and I had to sell all of my assets and pretty much everthing i own I also had to take out most of my money in the bank. My 6... |
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 Long term care insurance - John Hancock or Genworth? |
| Which is a better company to go with, any thoughts? Long term care insurance is so expensive and I don't want to make a wrong decsion, thanks for your help!... |
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 When going to the emergancy room, are the deductable and copay the same thing? |
| I have United Health Care and my copay for a broken ankle at the ER is $100. I paid the copay in the office. I got a $300 bill sent to a collections agency for my deductable. I wasn't aware that ... |
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| Insurance wont cover baby!??!!? |
| im on my parents insurance and have 100% maternity coverage, but their insurance wont cover the baby after he is born! anyone know what i can do?? If i dont get anything how much would it cost for ... |
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 How much should I settle for with insurance? |
| Me and my family was in our car and a woman ran into us. It didn't cause alot of damage to the car the damage was $652. We got that fixed. Anyway I went to the ER with pain and was told I had a ... |
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 Home insurance quotes??? |
| I have just moved into my flat and would like to take out contents cover insurance (i am only renting the flat) what do i need my policy to include????... |
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 Will I get penalized if I have a gap in health insurance for a couple of months when enrolling in new program? |
| When I started my job, the health insurance provider (Cigna) made a big deal about asking me about continuity of care, meaning whether I was covered by another health plan up until I started with ... |
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 Life Insurance Surrender Value Loan? HELP!!!? |
| I have a life insurance policy I need to borrow against. I know you can take a loan against the surrender value of your policy. Does anyone know which financial institution I can go to for this ... |
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| Will my homeowner's insurance cover this damage? |
| I live near Pittsburgh Pennsylvania. We had terrible wind storms last night from the remnants of Ike. Wind gusts were up to 80mph. The winds ripped some shutters off of my house and completely ... |
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 How to get insurance to stop ignoring you? |
| So a few weeks ago i hurt myself on my landlords property. I filed an incident report but they seem to be avoiding talking to me. I also called a personal injury attorney and one of them wanted me ... |
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 How much is renter's insurance normally? |
| I already have insurance thriugh state farm and they do have renter's insurance but I'm asking people who actually do have it, how much should it be normally?... |
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| Health Insurance Scam? |
| I want to get my own Health insurance plan and get off my companies group plan. I was looking at many different plans online and have talked to quite a few agents. I wanted a well known insurance ... |
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 Where is a good source of life insurance sales leads.? |
| I am a new life agent and I am trying to get started in the insurance industry. I am looking for more sources of leads other than my family, friends or the local chamber I've joined. Does ... |
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icemike | HELP PLEASE, I need this an anwser A.S.A.P!!!!!? |
my car insurance expired last sunday, but i did not renew my policy because my car was in an accident (not my fault) and it was in the shop for repairs plus i wasn't happy with my insurance company. the car is repaired and its ready to be insured will i be penalized for not renewing my policy or having the car insured for that week? I live in new york what is the law here? |
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mbrcatz
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OH, NY will revoke your driver's license if you go more than 30 days. I believe they will charge you a fine, and you'll have to re-register the plates (you might have to turn them in). NY is really tough on this.
You see, as soon as the policy lapses, the insurance company notifies the DMV in NY electronically, and they revoke your registration plates. You'll be getting a letter in the mail shortly.
Having an accident is NOT a good reason to let your insurance lapse - if you have a temporary substitute vehicle - like a rental car - your insurance will cover that. Plus, you have the whole issue with your tags.
Get a policy TOMORROW. The agent you talk to should know what to do about your tags, BEFORE you get a ticket. |
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cybersharque
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Replace the coverage. Notify the DMV about the reason for the lapse. Get a record from the body shop of the dates the car has been off the road. This is an excusable lapse, and even if all the DMV wants is some nominal amount per day for the lapse, don't be in such a hurry. Once you use the privilege of keeping your car registered by paying the penalty, there is a long period of time before you can do it again; you might need to use this privilege sometime in the future when it IS your fault that your insurance lapsed.
But don't lose any sleep over this, it's not that big of a deal. |
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InsuranceGooRoo
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The risk I see with the insurance side of it was you had a lapse in coverage. Most companies will put you in a high risk insurance program until you have continuous coverage for about 6 months. The High risk insurance is typical much more costly. It stinks when you don't have the vehicle to insure, but companies usually don't look at that factor. |
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linda6
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I know that you have to carry insurance all the time in the State of New York. I am not sure of the penaties for DMV. But your Insurance Company will still bill you regardless, if u did not use the vehicle or did not renew your policy.. They will still bill you until you either return the plate to DMV or show proof that your have another carrier. |
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S17V
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Unfortunately you will be penalized for letting your policy lapse in coverage. If you were to go back to the same company you were at, most likely your premiums will increase. It will be considered that you were not continuously insured and that does hurt continuous insurance discounts. Regardless of if the car was in the shop and able to drive or not - it should ALWAYS be insured. |
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Angel girl
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Yes, they are not going to word it like that but unless you have insurance for 6-12 months with no lapse most of the larger companies will not touch you...with an exception of a few, one of them being Geico.com.....
You have actually caused yourself to fall into a higher rated category, thus costing more for insurance had you just kept your policy current.....Never ever let a policy lapse, even if for that reason if you know you are getting a new car soon.
Good luck |
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