 Which insurance is responsible the drivers insurance or Pizza Hut's? |
| Last Sunday I was hit, and my car totaled, by a Pizza Hut delivery driver. His personal insurance told me that because he was on the clock he is not covered. So that falls back to my insurance, but I ... |
|
 What is a good insurance plan if my wife and I plan on having a baby soon? |
| One with good coverage and low Co payments, I don't care about monthly cost aslong as its a good plan.... |
|
 The other partys insurance company doesnt want to pay my claim what should i do? |
| I was in an accident months ago and i was moving with traffic, i crossed an intersection and the other driver pulled threw the intersection out of no where very fast and i hit him. my light was green ... |
|
 Where can i find cheap auto insurance? |
i'm paying 150 a month for a 94 ford thunderbird, but i'm looking for something cheaper that i can afford. i'm just wondering how much other people pay for cars like mine...
A... |
|
 Does house insurance cover a collapsed sun deck roof? |
I'm wondering because it was piled on with snow and one
side has just given up..... |
|
 Can I sell my health insurance policy since I haven't made a claim all year? ? |
| Does this make sense that since I've been paying for health insurance but haven't made a claim that my policy has accrued value... is there a way to get some of my money back from the ... |
|
 I cancelled my car insurance last year in June 07 after finding a cheaper one.? |
| Two weeks ago the insurance I had previously cancelled wrote to me to ask me if I wanted to renew my car insurance, this made me suspicious so I phoned them and they said that I have'nt ... |
|
 Can anyone tell me what questions they ask for a life insurance policy? |
| If you are in your 20s what kind of medical questions do they ask when applying for life insurance? If you have been exposed to asbestos do you think they will turn you down? Help.......if you are ... |
|
 A tree fell on my house during a tornado and mashed the 2nd story front wall? |
the house was built@1895 and has very old siding that cannot be replaced or matched cause they don't make it anymore.
Shouldn't my insurance pay to replace all the siding on the house?... |
|
 So why buy whole life insurance at all? |
| I've dedicated much of the past month researching life insurance. A metlife rep swears whole life is the best thing since "sliced bread" and has dedicated much of her time selling it ... |
|
 How do I convince my insurance that this medical bill should be COVERED?!? |
| About 5 years ago I was unable to get an appointment at my PCP, but I was referred to the after-hours clinic to see a doctor. I had been to the clinic before and they are part of the same medical ... |
|
 I am 3 months pregnant and the father did not want anything to do with it. Medicare stepped in for me...? |
| Now the father does want to help with the baby, wants to be on the birth certificate and everything. Medicaid has paid for my pregnancy medical costs and baby care until now. We are concerned that if ... |
|
 Can someone tell me where the money is going? |
Its not the weather bit I'm on about (but whoohoo anyways), its the bit below that, that an AXA spokesperson has said...
All these people have home insurance, they have paid into a ... |
|
 Is New York Life Insurance a reputable company to work for? ? |
Additional Details
If so, anyone know the potential income to be made along with progression within the company?... |
|
 Health insurance for NON US resident senior? |
| My father is 66 and in excellent health, non-smoker, looks 55, etc etc. I want to get him some health insurance, he just doesnt WANT to get it. I know its hard to get insurance at 66 but his health ... |
|
 Universal health insurance? |
what are your thought
yey or ney
smart ... |
|
|  |
lpreese | How much auto insurance coverage do I really need? |
We currently have BI 50/100, 50 prop damage and 50/100 uninsured. Here are the details
- 2003 Cadillac Escalade EXT
- Married couple: Wife 27 & Husband 23
- No major tickets in the past 3 years. Husband had one fix-it ticket almost 3 years ago
- Renters not home owners
- No big ticket assets
- No kids |
 |
 
Tunka
|
Everyone has given you great advice I will only add that after all considerations if you are able to afford the higher limits buy them, you never have enough and you do need to protect future earnings along with any assets you may currently have |
|
Good♥Gyrl
|
You really don't have much coverage at all!!
Listen to jcollins --- all the commercials you see about attorneys getting their clients money - that's YOUR money. The insurance co will pay up to their limits, of course, but a serious accident and you're at fault? That could literally bankrupt you, and someone else will be driving the Escalade you worked so hard to get away from an auction.
I would seriously consider raising your limits. The best thing to do is talk w/ a P&C professional about what your assets are, and how much you could lose if you hurt someone. |
|
RYAN
 |
Good advice from everyone so far. I think the consensus is you should have at least 100/300 to cover you and preferable 250/500 to protect your assets should you cause and accident with serious injuries.
What I don't see anyone address and I think it equally, if not more important, is the level of uninsured/underinsured coverage (UM/UIM). This is coverage which would cover YOUR medical bills, wage loss, or other expenses due to injuries you incur in the event an uninsured or underinsured driver causes and accident and you're injured. An underinsured driver is one who has insurance but doesn't have high enough coverage to adequately compensate the other party or parties. I've handled injury claims for many yrs and $50,000 is a drop in the bucket. What if an accident left you unable to work for months or more and your medical bills were mounting? do yourself and your spouse a favor and get a minimum of 100/300 and seriously consider 250/500....any less and your gambling with your future. You may think you'll never need it and hopefully you won't but you'll have the peace of mind in case you do. |
|
jcollins_24
 |
It really comes down to how much do you stand to lose. You listed that you do not own a home and have a small amount of assets, 50/100/50 is OK, I prefer 100/300/100 minimum, the cost difference is generally small, the biggest cost of auto insurance is the comp and collision coverage. |
|
reggae superstar
 |
You only really need the amount of coverage used in the event of a claim. Considering we can never predict when a claim will occur and for how much, we must decide ahead of time what amount of coverage we are comfortable with. Not knowing very much about your situation, I would say that you have made a good decision in the amount of coverage you purchased. I know you are not property owners, but if you plan on purchasing a home soon, or if you are professionals with a good income that is growing, I would recommend your purchase 100/300/100 in coverage. If you make more than 100k and own a home I then would recommend an umbrella for 1 mill. Increasing the amount of liability coverage is usually inexpensive if the driving and claim records are good. Hope this helps. |
|
mbrcatz
|
You forgot wages. Future wages can be attached. Kids CAN'T be attached.
You need to carry limits high enough to cover your assets, which include not only your home, but stock & savings accounts, etc, AND three years future wages.
So if one of you is a brain surgeon making $500,000 a year, you need $500,000 on the auto liabiltiy, and a $3,000,000 umbrella.
With no major assets, and not much in the bank/stock accounts, just add your salaries together, and project for the next three years. Round up to the nearest standard auto limit. |
|
Matt1331
 |
The only good way to answer this is "you can never have high enough limits"...reason being is you don't know what can happen. As others have said the limits you have seem reasonable, but what if you hit three kids crossing the street?
The only thing you can do is figure out what you can afford to spend on insurance and buy appropriate limits. We don't sell anything less than $250,000/$500,000 liability limits for personal auto and $500,000 combined single limit for commercial auto. This way when someone gets into a $75,000 accident they aren't running to us wondering why we only "sold them" a $50,000 limit. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
7 | 28 minutes(s) ago
| | | |
6 | 2 hour(s) ago
| | | |
7 | 3 hour(s) ago
| | | |
7 | 4 hour(s) ago
| | | |
7 | 9 hour(s) ago
| | | |
7 | 1 day(s) ago
| | | |
7 | 4 day(s) ago
| | | |
7 | 2 week(s) ago
| | | |
7 | 1 month(s) ago
| | | |
7 | 2 month(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
