 If your insurance says they won't cover something, is there any way around it? |
Do appeals really work? Will a note from the doc saying it's "medically neccessary" help?? Thanks!
Additional Details
Adding more details to clarify.. my son (2 years ... |
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 AIG wants more money.? |
Twice the government has given them money and both times they have taken spa trips for Execs.
Is it time to say sorry AIG the tit has run dry.... |
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 Can I use two different dental insurances? |
| I have Blue Cross Blue Shield and it covers dental as well as health, then I also have Delta Dental which is dental insurance only. Can I double up on insurance to save me some money?... |
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 I receive an auto insurance check with my name and my dads and we both signed it in the back........? |
| which its been already deducted of 500 dollars....the check came out to...925.73 dollars....but anywayzz is it okay 2 cash this check at bank of america...me and my dad will fix my car and buy parts ... |
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 I have been just declined health insurance from Aetna due to a high BMI and take lipid agent. any advice? |
| They told I have the right to appeal, however, I wonder if it worth my time or shoul I move on to another company.... |
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 Can i be charged someone elses deductible? |
Additional Details
I ran through a stone mail-box on accident, and the accident was considered 100% my fault. I'm not using my insurance company because I don't want my ... |
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| this is to all my insurance agent people in florida, i have a life & health licsence, and i needed to know whats the success rate of doing business writting business and being able to make good ... |
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 Employer pays 80% of my premium - If I opt out of coverage, do I completly lose the benefit? |
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 Can I get on Medicare if I am 39 years old? |
| I have M.S. I am on short-term disability becasue of it and I am about to apply for SSDI. I am trying to put together a game plan. My first concern is health benefits. I am told by many that I ... |
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 Renters home burnt down, Thought it was insured, but it wasn't, WHAT NOW? |
| Last weekend one of my Mom's house(s) that she rents out, burned, (she rents out 2) their was a propaine leak. She thought she had fire insurance on them, but when she refinaced, it wasn't ... |
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 Insuring/Protecting yourself from serious legal liability? |
Say a hypothetical person has a significant net worth of about one million consisting of his home, cash, and his retirement account.
One day, this person is driving home and he runs a stop sign, ... |
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 Will insurance cover my boyfriend and I? |
| My boyfriend and I are both young (22) and we recently got kicked off of our parent's insurance plans. We want to get insurance together, and were wondering if it is possible to do so? We are ... |
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 I am a true liar and ..............? |
| .............. and believe in deceptive tactics, along with contradictions galore. Also, I care not about people, only about how much money I will make. And, if this isn't enough, I have many ... |
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 In Tx, does health coverage have to be extended to the end of month by employer if an employee is terminated? |
| I'm looking for a URL to an official state document that mentions that health benefits have to be extended to the end of the month. I've heard from other HR people that say this is true in ... |
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Rox | How much is required down to open a homeowners insurance policy? |
I am getting ready to buy a house and I am getting ready to switch my car insurance into my own name from my parents. I have to add homeowner insurance on to the policy. If I stay with the same company will I have to pay money down like for a deposit? |
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carolcathey
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You will have to pay ONE YEAR of homeowners insurance premium at closing.
It makes NO DIFFERENCE who insures your auto.
AT CLOSING. ONE YEAR of PREMIUM of HOMEOWNERS.
I stand by this statement because my mom is president of a huge insurance agent association, and I asked her.
The end. |
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amust2407
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Like mbrcatz said, I don't know of any companies that put auto and homeowners on the same policy.
With regards to the down payment, it depends on whether you mortgage company is requiring you to escrow. If yes, they will most likely require a years worth of insurance up front. If not, every company has different rules. But, my company also requires you to pay a year up front, plus the new policy fee. |
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mbrcatz
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Well, I don't know of any companies any more that have a homeowners and auto on the same POLICY. They will account bill, however, if you don't put 20% down on the house and/or there's an escrow account, the lender for your mortgage is going to require you pay the first year of homeowners insurance in full, before the closing.
Which isn't a big deal, as homeowners insurance doesn't cost anywhere near as much as auto. Unless you live in Florida. |
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John P
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You will just have to talk with the agent you have now. All insurance companies play the same game but with a different set of rules. |
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bonniejac17
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It deoends, but you should look into Escowing through your mortgage company. |
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Sue
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I know many companies that put home & auto on the same policy, they will put more than one home & boat & umbrella on too. Some are Peerless, Union Mutual, Chubb, Atlantic Mutual and CNA. I have a package policy myself.
Anyway, if your homeowners policy is escrowed with your mortgage company, they will require the first year be paid in full. If you are not escrowing, most of my companies will require 25% down unless you are doing EFT, then they require one month, sometimes two months down.
Since you are buying a new auto policy in your name, this is actually a new policy to the insurance company (even though you have been on your parents' policy & they will probably require the same downpayment options I noted above. If you already had your own auto policy & were switching to a package, you would probably be able to transfer funds from the stand alone auto policy to the package & if there was enough money there, you could get away without putting down money.
The best place to find out is your parents' agent. |
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