 Car Insurance? |
I want to know if it is possible to carry no claims bonuses over.
I had 2 years no claims 3 years ago, since that time i haven't had my own insurance ive been on a traders policy for ... |
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 Illegal or just immoral?? |
| My husband and I got car insurance. Before our policy was up I got into a minor accident (me and my neighbor accross the street backed up at same time- it was ruled I was at fault --I had the slower ... |
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 Does medicaid cover circumcisions? |
| i was just wondering if utahs medicaid covered getting your baby boy circumcised. i have read to different things, i read that if u get it done after delivery it covers it and i also read it doesnt ... |
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 Baby health insurance question!!? |
| my insurance company told me when i called that i couldnt put my son down without a SS# but when i got the ss card i called back and they said i cant do it because it has been more than 31 days since ... |
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 How can i get life insurance for my family? |
What do i need to do to get life insurance for my family ,what exactly do i need,and how do i do it ?...and where do i go ?
Additional Details
whats the amount is best to ask for ?... |
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 This is really ridiculous. Two months ago I totaled a car that I am still financing. I didn't have full? ? |
coverage on it. I want to get this car out of the collision shop and junk it.
Today I heard one of the most ridiculous things- that I can't junk a car that I am still financing, EVEN if I ... |
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 What is workers comp? |
i was doing overnights at work, and i broke my toe. [i'm a HUGE klutz] but anyway. my parents told me to go through workers comp and i had to go to a different doctor and everything.
i have ... |
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 How much does insurance usually cover for a nose job? |
I'm thinking about getting a nose job when I'm 17
It's for a slight deviated septum and to make it smaller
How much does insurance usually cover?... |
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 Can an Insurance company take back paying for an illness after they have paid 10 months for all of your bills? |
| An insurance company has paid for a pregnacy - All doctor visit and the delivery and now they are saying that my daughter is not covered - Can they do that?... |
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 Do you have to use your primary health insurance at a doctor's visit, since I have secondary insurance? |
| I have a better secondary health insurance from my spouse. I tried to drop my primary insurance, but I have to wait a year by law to drop it. I went to the hospital for a MRI. It would cost me $600 ... |
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 Question about insurance? |
| i plan on going to school next fall and joining the football team but I have to have insurance to join. My parents want nothing to do with me after i graduated from highschool and don't want to ... |
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 Who are health insurance companies accountable to? |
In other words, if you have a compliant or need to resort to some legal measure, to whom are some people you can report a given insurance company?
To be specific: the problem is that I was ... |
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 Based on experience, which exclusive insurance company would you say is the best overall to work for? |
| I want to open a captive agency to write P&C Insurance. Which company do you think has the best rates and best overall product line available today.... |
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 My dad recently passed away I know that he left an insurance. How can I found information about it.? |
| So if anyone has experiment on this before please let me know.My dad would really had wanted me to find out about everything he lefted for us.Thank You.... |
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 Denied for medicaid? |
| Okay, I applied for medicaid for my family two months ago. After what seemed like forever we finally got our information in the mail. My children were eligible, but my husband and I weren't. I ... |
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 I have an insurance question? |
| If I'm 18 years old, do i need to have a parent present with me when i go to a doctors office if i'm still under their insurance? in this case.. blue cross blue ... |
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 Questions about life insurance? |
| I'm looking into getting life insurance and I'm wondering how the whole process works. If I take out a $300,000 whole life policy on myself with my fiancee as beneficiary, and I pay the ... |
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| Affordable health insurance? |
| I need help finding affordable health insurance. I'm helping my dad out. He wants to cover himself and my little brother. Any suggestions?... |
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 I Can no Longer Afford Health Insurance? |
| I buy health insurance through my employer, and I love the insurance. However, I can no longer afford to pay for it. My husband lost his job about 3 months ago and we are only working off of my ... |
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Hgldr | How come insurance is almost double for 2 cars.? |
I can't drive 2 cars at once, only one at a time. Therefore, the odds of causing an accident are the same as if I had one car.
Why don't insurance actuaries know this?
Additional Details
acermill: your answer shows that you need to take a simple class in probability. You think that if the first car is in an accident, then it's probable that the second car will also be in an accident shortly after. Thats just illogic. |
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INS CSR-L.A. County
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It depends how they are rated. If you use the "more expensive" car for your usual commute, then you are rated based on several factors: safety devices in that vehicle, how much they charge for replacing parts (comp/coll) average number of miles to/from work, etc.
I would talk to your agent and have one vehicle rated for "pleasure" use, and one rated for commuting. Also, find out if you are not getting the mulitple car discount, or the home/auto discount. Do you have a teenager in the home who will potentially be driving it? That may be a possible rating factor, since they may have access to it.
Hint: the one with the LOWEST Insurance Rating Guide Number (IRG) should be the one rated as your commuting vehicle because it will come out cheaper, not only in replacement cost for the parts, but in commuting. Your insurance agent can tell you what the IRG number is. |
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Ken B
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Great question!
They do give a discount, but its not that much really. I think the insurance companies argument is that the insurance isn't substantially less because both cars can be stolen, vandalized, drunk driver piling into both in your driveway, loaning the car out to another driver, etc.
The discount should be much more I agree! |
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riverofmydreams
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the good thing is this, your protected : ) from planes, trains and trees .. i'm one of those that have bad credit.. insurance people want me 2 pay them 400 more a year, because of it.. i refuse.. because i really don't understand that .. bummer eh ~ |
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hungry man
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They do, you should have one vehicle insured as pleasure and the other one driven to work. And yes, you can drive the one rated pleasure to work if needed. That is the purpose of multi-car discounts also. |
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countryguyhfc
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Good question.
I have heard of "Drivers Insurance", but don't know of any company that actually offers it. It would make more sense to insure the driver rather than the car, but then again would I have to pay full coverage because I have a new truck that I rarely drive and an old car that I drive every day.
Might end up being a horse a piece. |
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Ed R
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The exposure to risk is doubled, as you could allow someone else to drive the other vehicle, but I do agree with the other responder the main reason is greed on the part of the insurers. |
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acermill
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Stop and put your brain in gear here. If you drive 2004 Acura (as example) and incur a serious loss, you can immediately move to Honda 2006, in which you might incur a rather similar loss.
What part of mathematics and statistics has escaped you ? |
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Chris
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Simple. Greed. |
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