 What do you do if you are denied Health care insurance? |
| I signed up for Blue Cross Blue Shield in Florida. My family was accpeted but I was denied because they said I have been to the Dr with complaints of a stiff neck. So I have been denied Health care ... |
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 If someone else is driving your car and they get into an accident, who pays? |
| My ex-boyfriend was driving my car a few months ago and got into an accident. I don't have full coverage on my car, so I decided not to tell my insurance company because my insurance would go ... |
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 Are there any disadvantages to being covered by 2 health insurance policies? |
| I am currently covered by my husband's VERY GOOD health insurance. However, now that I have reached the 5-year anniversary at my current job, I am eligible to join my company's insurance ... |
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 If a person receiving social security disability who has their own medical insurance? |
| If a person receiving social security disability who has their own medical insurance, however the they get the medical insurance premium deducted from their SSD check . They don't need medicare A... |
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 What's the cheapest insurance service? |
| What has the lowest price.(All three kinds)... |
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 Help! Im only 18 and my insurance wont pay for an epidural?!? |
| I dont know what I am going to do..I am only 18 and I am about 8 weeks pregnant and I just found out that my insurance (CDPHP through Medicaid) wont cover and epidural ..only if the doctor deems it &... |
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 Cash business and health insurance ? |
| What options exist for someone who works in a strictly CASH business, isn't married and needs some kind of Health Insurance? The cost would need to under $300.00 a month. Do all these companies ... |
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| If cosmetic surgery can help get you a better paying job or even a better life? |
http://www.msnbc.msn.com
Could there be such a thing as 'beauty insurance'? Where younger people could pay a premium for beauty treatments ... |
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 What is the best home insurance? |
I am looking to get a home insurance for the flat that I am planning to buy soon. Do you know a good home insurances that I could get?
How much would it cost me to insure my flat and the content?... |
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 Question for Auto Insurance agents? |
| Do you have to have some kind of cirtification to legally sell an car Insurance Policy to a customer? Can a Receptionist legally sell a policy?... |
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 If a branch from a tree in your yard falls & damages your house does it matter if it fell in a storm or not? |
This is under an average house insurance policy.
Does the health or age or species or size of the tree affect the Insurance cover?... |
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 Was there a single event that caused the need for this Bailout Bill? |
I just heard that the bill was just approved but I was just wondering, what actually caused all this?
Additional Details
I also heard it may largely be due to the fact that the Lehman B... |
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 My son had me insured for my car my son as died how do i find out who im insured with? |
Additional Details
thank you all for your answers my son lived with his girl friend many miles away his girl friend does not seem to want me to have insurance details or any of the car ... |
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 Insurance for a Preschool? |
| What kind of insurance is needed when opening a preschool. I am anticipating twenty 3 year olds two days a week and twenty 4/5 year olds three days a week. The times for classes will be from 9am-12... |
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 If i get an STD and my parents pay for my heath insurance, will they find out i have it.? |
| i don't have my own health insurance that i pay for, my parents do....i am going to the doc for an annual and i was wondering, if something goes wrong lke i have an std or something, will they ... |
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 Does anyone understand health insurance and them determining what is a "Pre-Exsisting Condition"? |
| Last November I got insurance through my employer and on the form, I listed any medical issues or conditions I have or have had, any prescriptions I take and so on. Based on that information, ... |
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miams | How does total loss auto work? |
Does the insurance company (mine is State Farm, btw) send you a check with the amount of how much i still owed on the car? Like, i still owe 8k on it...if it's considered a total loss, then i receive a check from state farm in a 8k value so i can purchase another car? |
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mymoon
 |
I am a licensed insurance agent & I work for State Farm. If your vehicle is determined a total loss than State Farm will pay you whatever the actual cash value (ACV) of your vehicle is at the time of the loss. There are several factors used in determining this value. If you have loan balance coverage on your policy then State Farm will pay off the loan as oppose to the actual cash value, if it's more. However, this coverage may not be available in all states. This is a coverage that is only available for brand new vehicles. The dealerships & lienholders also offer GAP coverage. You might want to look over your paperwork to see if you purchased the GAP coverage when you purchased the vehicle. But as far as the amount that you will receive if your vehicle is totalled, it will be the ACV of the vehicle. Hope this helps you out. |
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Dew
 |
You Only Get what the car is worth,Not what you still owe on the car. |
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mbrcatz
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No, they send the check, made payable to you and the lender, to you. You can't cash it, until/unless the lender signs off on it.
You sign the check, then mail it to the lender, the lender signs & deposits it. If you still owe $8K, the lender takes the $8K, which pays off your loan, and mails a check to you, for the rest of whatever the insurance paid you.
If the ACV of the car is $10K, that would be, $2K, minus your deductible. Then you can use that $1500 as a down payment for the next car, if you want a loan, or just buy a junker, if you don't. |
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Nenya
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Total Loss payment is usually the Blue Book value of the car, not what you owe on it or think it's worth.
That means you'll only get what the insurance company thinks your car would sell for at it's current age and mileage.
Sorry |
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src50
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They will pay the ACV. |
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Terri M
 |
When an insurance company totals a car it is worth what the market value is for that vehicle 1 second prior to the collision that totalled it.
It has absolutely nothing to do with Blue Book values.
If the amount paid for the total loss of the vehicle is less than what you owe then there is what is called a deficiency balance. In essence you are now paying for a dead horse.
You could take the check and buy another car but you would still owe the 8K.
If your car was totaled then you are probably going after a personal injury claim as well. Use the property damage portion and pay off the car and use the settlement from your PI case to buy another one. |
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