 How can you tell how much your homeowner's ins. will go up if you make a claim? |
| I have a great deal of water damage under my house due to unknown plumbing leak. I am not able to cover the costs myself and was advised to turn it in on my ins. Will the adjuster be able to tell ... |
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 I am pregnant and my insurance got terminated...? |
| I am 40 weeks pregnant and should be having my baby any day now. I am 21 and had insurance under my parents because I was full time college student. I have taken the semester off to prepare and give ... |
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 Can you explain how an insuarance company works? |
I have an interview, it is in the HR department so I am not supposed to know finance but I guess it would be an advantage...
I am not completely stranger to the field,having worked in ... |
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 Health insurance vs life insurance? |
Additional Details
thanks a lot 4 ya responses i m sure this will help me out for sure i m doin a project which is based on health insurance case study icici pru diabetes ... |
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 Can you believe that a combination of LIC policies can yield up to 12% returns p.a.?? |
| Yes. It is possible. A combination of plans named as "J.S.Plus" by me can yield upto 12% p.a. It will provide for a high risk cover. The term can be as flexible as you want. The premium ... |
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 My baby fell at a resturant and they said their insurance didnt cover it...but they had to cover the bill....? |
| due to the fact that they had accident insurrance. So they being the insurrance company said they could only pay half the bill and sent me a check. I think they were giving me the go around because ... |
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 If your daughter gets pregnant, will your insurance cover it? |
| Let's say you have a pregnant 19 year old daughter who has no insurance of her own, but she is still covered on your insurance until she is 23. Will your maternity benefit cover her, or will she ... |
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 I was reading that, unlike in the movies, life insurance agencies do pay out claims in suicide cases. T or F? |
| I want to know if the beneficiaries of a life insurance policy would receive a settlement if the title holder commited suicide.... |
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 Health insurance question? |
| I have no health insurance i am self employed and haven't been able to afford it. I have never really needed it until now. I have a problem that i can not sleep at night. i get up to pee alot of ... |
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 Don't tell anyone? |
| but I've had this idea. I'm bankrupt, so plan on going canoeing at sea, faking my death, growing a big beard and living in the bedsit next door while the missus cashes in on the insurance ... |
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 Why it is cheaper for an 18 year old to buy life insurance than it is for a 40 year old? |
why it is cheaper for 40 year old to buy automobile insurance than it is for an 18 year old?
why some people prefer term insurance even though it does not have any cash in value? why other ... |
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 Can I omit information on a health insurance form? |
| I have been having a hard time getting health insurance in Canada because I have been a carrier of Hep C for 21 years. Even though I have no symptoms and have liver function tests every year that ... |
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 What are the basic things a person must do to retire well? |
What are the things needed to be done by a person who've just started his career, in order to secure a good retirement?
How much to save, what kind of insurance to follow, taxes to ... |
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 I need a health insurance that covers pre-existing conditions? My work doesn't offer insurance.? |
| I'm a healthy person but I need depression and anxiety medication. I need a health insurance that can help me out with the costs of my medication and my office visits. I also have a regular ... |
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 I need a life insurance policy? |
| I am wanting some information about life insurance policies and how they differ. Are some better than others? Anyone here have any experience with this topic. Are there some policies that are not ... |
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 Health insurance for stepchild? |
| I have a son and the man who I am to marry is not his natural father. When we marry will my son be able to be under his health insurance (blue cross blue shield)? I was not married before but I ... |
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 Insurance claim for theft of electronics from my home.? |
| Someone stole a laptop, TV, CD's, XboX from my house. I filed a police report and claimed the items with the insurance company. They said they would pay me the replacement cost of the items ... |
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| Is there any insurance chepaer than geico? |
Additional Details
please give me some web sites,... |
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cobblejoe | Home insurance rates.? |
Recieved a letter yesterday from my insurance company. They are now going to base home insurance rates based on your credit score....WHAT? |
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Insurance MAN
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What every one said before me is partially correct.
We dont actually use your credit score. We use an "Insurance Score" which is based on the information in your credit file. The difference? We dont take all the same things into account, and different things are weighted differently.
Study after study after study has proven that people with lower insurance score are more prone to loss. Some argue that it's becuase they dont have access to the cash to just take care of it themselves, and some argue that it is becuase people with low scores, are less disciplined, and less responsible and therefore dont take as many precautions as people with higher scores.
While this actually hurts me due to unestablished credit.... i agree with it. You have to remember.... it's busiiness not personal. And by charging people more who are more likely to have claims, we can keep rates down for the people who dont have claims. Also, that is one factor out of MANY! |
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acermill
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That's been around for several years now. The rationale is that those with lower credit scores are more prone to file small nuisance claims every time they have any sort of issue, rather than simply pay it on their own.
It's gotten to the point that, when I write a residential offer to purchase, I make it contingent upon the buyer being able to obtain insurance for the property at a certain price or less. |
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zyberianwarrior
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Been around for years (and car insurance as well) if you can't pay its a higher risk and thus your premiums will be higher. |
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sanjua m
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please try this
<a href="http://www.anrdoezrs.net/click-174... target="_top">help!</a> |
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joseph m
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The best bet is to just use a comparison quote site so that you can see for yourself how much things can cost or how much you can save. They are a real time saver.
http://insurance.123thebest.info
Good luck. |
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Zarnev
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It has been proven that people with lower credit scores have a higher rate of claims. Most insurance companies now base part of the premium for both auto and homes on the scores. As far as I know there haven't been any studies as to why because the insurance companies don't care why. Many people have tried to dis-prove the findings (the University of Texas had a big study several years ago) but nobody has been able to. |
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mbrcatz
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What state are you in? I thought all states were ALREADY doing that, except California. If you're in CA, well, welcome to the rest of the nation, LOL.
The bottom line is, there's a direct corrolation between low credit scores and high claim payouts. No one has done a study about why, so dont' believe it if someone says WHY low credit score people have more/higher claims - just like no one knows WHY 16 year old boys have more car accidents. Who cares? The direct relationship exists.
So there ya have it! |
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saara m
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this will givw you many companies insurance rate visit this link |
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