 My tools were stolen from the car dealership i work for they said their insurance wont reimburse me? |
| I dont think this is correct, some one broke into the dealership overnight and took the dealers things and the other mechanics as well they told me that my home owners insurance will cover this, but ... |
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 My travel insurance co refused to pay my claim, because they said they did not believe the amount I claimed ? |
| had been stolen. They accused me of fraud, by saing the amount was higher than it really was, and refused my claim. I had a police report. Is this common for them to do this and is it worth telling W... |
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 Can a person be denied for a life insurance just because a of past drug addiction? |
| 2 years ago i was arrested for possesion and use of illegal drugs i did 3 months and jail went into rehab for a year, I have been clean and sober for 2 years and few months, I recently try to get a L... |
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 Is the landlord responsible if you have a electrical fire and you have no rental insurance in New Jersey? |
The smoke detector's wiring caught fire. The firefighters said the whole electrical needs to be done.
Additional Details
In this sense I'm wondering if the landlord's ... |
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 Does homeowners insurance cover renters property if property is damaged by the house? |
storm caused power surge and because house is not grounded surge destroyed renters property
Additional Details
we just learned that the house was not grounded, electricians say its the ... |
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 When i apply for a Identification card, will DMV take a copy of my birth certificate? or do they need original |
| because i do not have my original all i have is a copy of it, but i know my ss number, and i also do not have the original of that either just a copy.... |
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 Has anyone here taken the insurance license exam? |
| Is it hard? I'm studying right now, but I'm nervous if it's a hard test?!... |
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 5 yrs ago my mom lied and said she had insurance, I had an accident now I'm being sued. Who pays? |
| I turned 18 5 yrs ago, my mom bought an old taurus and said I couldn't drive it until she had insurance. She started letting me drive it to work about a month after I turned 18. While picking my ... |
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 Does my insurance cover this crazy incident with Oprah? |
so... i accidentally spilled some mayonnaise on oprah's silk shirt, but she doesn't know yet since i took her glasses. where can i get insurance to cover this problem?
question ... |
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 Can anybody recommend a good HEALTH insurance company? We can't afford our employer's plans...? |
| We just got out of the military and no longer have tri-care benefits. Our employers charge well over $500 per month for a healthy family of 3 (2 20 somethings and a 1 year old). Unfortunately, we ... |
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| What is the best type of health insurance for my wife and I during her pregnancy? |
| My wife is pregnant and we are looking for coverage while I am in-between jobs. We don’t qualify for access because my wife will make too much and COBRA is expensive but it is the only option that ... |
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 Does anyone have a good homeowners Insurance agent I need one,? |
| I need some homeowners insurance anyone have a good agent ..... |
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 My son flushed my wedding rings down the toilet will state farm insurance cover that under our homeowners ? |
| I had my rings on the stand next to the toilet and sink in our master bathroom. I went into the bedroom tog et something and I hear the toilet flush and when I went in there to see what he was doing ... |
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 My bank is driving me nuts ? |
| can the banks do this if i have say £2 in my account and i have a direct debit of £30 to be paid can the bank pay the direct debit and make me go overdrawn then start charging me £15 a day is this ... |
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 Have you ever worked with or used Primerica for personal finance needs? |
| I recently went to a presentation for Primerica and had an interest in starting as a part time agent. I would love to see if anyone has had any personal experience that they could share that might ... |
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Bear E | How can I lower my car insurance if it is high because of bad credit? |
I have been told that my car insurance is high because of a bad credit rating. I am currently enrolled in a DMP to pay down some credit cards and I'm sure this is why it is so bad. Will any insurance company work with me to lower my rate? I currently have GEICO insurance bc it was the lowest I could find. I lease my car and always make my car and insurance payments on time.
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Rich H
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Isn't it a joke that insurance companies can base your rate on your credit history!! Like, someone with bad credit just has to be a bad driver! This is an issue that needs to be addressed...just doesn't make sense to me where the relation is...anyway, in the meantime...raise your deductable up to $500 or higher, but stash enough extra $ to cover it if you have the need to file...hang in there...in the meantime, hope you have cut up those cards!
I've had good info about it here:
http://autoinsurance.undonet.com
Take care.
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car253
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Not all states use your credit score. In California insurance companies do not use your credit score.
You need to work with the people in your state to change the law that makes using credit scores illegal. If everyone got together it would change. Call your Insurance Commissioner or Department of Insurance in your state. They are the ones that can make things change. But when no one wants to do the work and energy to make things change, they won't. |
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Laughing Libra
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I was shocked when I found out they used my credit score for insurance rates. I guess they think a person with good credit scores has less stress and therefore won't have an accident. If you don't pay them, they cancel, so what's the point.
I think it should be illegal.
Oh, I have Geico also. You just have to call around and don't even think of Progressive. |
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Insurance Geek-ette
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Improve your credit, lower your coverages.
Travelers will "work" with you, if your poor credit rating is due to a serious medical issue or a divorce. You'll have to bring PROOF of that, though. |
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Apple
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All insurance companies you a different rating system to determine your premiums; as I'm sure you are aware, things such as driving history, vehicle, age, and sometimes credit all factor into your premiums.
The issue with credit is this - while it may be hard to believe, many insurance companies actually make most of their revenue investing the money they receive from you; therefore, if you don't pay your bill on time, or in this case if the insurance company thinks you won't pay your bill on time, they will raise your rates. While you may make timely payments now, they base their decisions on your credit report.
One solution may be (if you can afford it) is to pay all of your insurance (6 months worth) at once. |
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src50
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You already shopped around and found the best deal - not much more you can do until you straighten out your credit record, which takes time. |
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Lola
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Unfortunatley Insurance Companies have jumped on the Credit Score bus as well. They have conducted studies which show that individuals with a low IBS (Insurance Bureau Score) are more of a high risk then those with a score of 700+.
Until you are able to bring your score up, you can tae a look at your limits and see if it would be beneficial to change them. But befre you do that, see if there are any additional credits that you may qualify for:
Low Mileage discount- if you drive your car a short amt of miles annually
Pleasure Use vs Commute- driving to work or school daily is higher than if you use public transportation (for some companies this is a rate determinant)
If you have children see if they give a Good Student Discount (normally for children under 21/25 who maintain a B average or better
Away At School discount if you have a child in college who is 100 miles or more away from home w/o a vehicle
Defensive Driver Training
Window etching- if you vin is etched in your window
Passive or Active Alarm
Do you have a home or renters policy with this company- some companies offer a package discount
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James S
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Try using http://My-InsuranceSearch.com to compare car insurance rates for all the major providers in your area.
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jose l
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go with predator insurance agency they like guy looking for low rate swho don't care about quality the number is 1-800 predatory ins., look you insurance score is high you got more debth than you can handle go with a good CO. pay of your debth and your rates will go down every year just tell them to check your insurance score it will be like getting a race at work for being responcible an having a good driving record an stick with that CO. that also helps o yea if you ask for renters ins. that gets your rates down to |
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