 What is a good health insurance for the self-employed? |
| I own a real estate investing business and I want to get health insurance for me and my family. Do you know of any good insur. companies for the self-employed?... |
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 I've been rear ended. Will my insurance go up? |
A year and a half ago I rear-ended someone. 100% my fault.
A week later, in my new car, I got rear ended. 100% their fault.
My insurance rate went up and I don't know if it was due ... |
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 Are you liable for a medical bill even if the name is completely wrong on it? |
Additional Details
i got a bill and my name is spelled wrong on it, will i still be liable for it?... |
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 If I cancel my health insurance can my doctor refuse to treat me? |
| My husband is self-employed so our health ins is very expensive. I am thinking of going without it.... |
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 What can I do if my insurance company is rescinding my past health insurance coverage? |
| When I sent in my application for my health insurance, I forgot to note that I have obstructive sleep apnea. Stupid mistake, but I hadn't had insurance since I was 20 years old and paid of my OS... |
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 Do insurance companies know if you have been to see a doctor already/? |
| If you wanted to get health insurance, but have already been to see a doctor about a problem, would the insuarnce company be able to find out? Cos they say if it is a "pre-condition" they ... |
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 Can you collect workman's comp if you are a full time college student? |
| I cracked my skull when I fell off a loading dock. I am trying to collect workmans comp and was told that I could not because I am a full time college student. I am taking four courses and go to ... |
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 Will my insurance go up from a speeding ticket? |
got pulled over.
not my first ticket.
im 18
its a no point ticket. and he marked it for 5 over
i don't want my parents to find out, so will they see an increase in insurace? <... |
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 Why do insurance companies ask if you have any other types of insurance? |
| i just made a call to my insurance company and we hung up before he asked that question, so then he looked up my number to call me back on my house phone (which i didnt use to call him with) to ask ... |
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 How to get insurance quotes in the most efficient way? |
| So, I called and called. Got some quotes. Chose the most reasonable rate. But then the insurance companies turned around and increased premium after I had the policy, usually with B.S kind of reasons,... |
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 Should I get Life insurance now or when I move?? |
| I want to get a 30-year term life insurance. How I understand it, you pay the same monthly payment, no matter what, for 30 years. If you die, you get the money; if not, then you don't. I live ... |
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 Can Cancer patients have the life insurance? ? |
| Is it possible cancer patients getting life insurance...... |
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 Do I keep old whole life insurance policies? Or cash them in for term? |
My father just gave me five (5) $10k insurance policies he had on me to me (i'm now 33 and married). They are about $100/year each ($500 total a year for $50k).
I would think I ... |
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 What would you do if you found out your spouse committed insurance fraud for over $10K? |
| The money was deposited into a joint account and was explained away as a loan. This could implicated both parties of the joint account in the theft. What would you do?... |
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jesusblake | If I file a claim on my homeowner's insurance will my premiums increase? |
Hi. We recently had a wind/thunder/rain storm (North Texas) which blew down the fence around the yard. My deductible is $2200. Estimate to replace the fence is $3750. I'd like to file a claim with my insurance company but I'm afraid my premiums will increase if I do. I talked to my agent and he said if I file a single claim my premiums WILL increase. Does anyone have information that this is true? It seems ridiculous to me that I carry insurance if I can't use it without paying MORE to carry the same insurance. Please advise. |
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dob367
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Of course it is true. Home Owners insurance is truly only to be used to actually replace your house. If you file a claim (any kind of insurance) that takes money away from the company they are going to raise your rates to reclaim that money over time. Trust me, if your agent tells you that they are going to go up, they will. |
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steve
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yes it will go up |
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Insurance
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yes it will |
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SusieM
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No doubt the easiest way to get insurance quotes is on the web.
Why would you waste your time on the phone calling around?
the last time i needed quotes on insurance i used one of these comparison sites and it was great.
this is the site i used and it was quick like less than 5 mins.
The last thing I want to do is listen to elevator music while waiting for a salesman.
Anyway I got good quotes and ended up saving money so I was happy.
So shop around and compare quotes which is easy on the net.
Good starting point is at this site.
http://insurance.deal4-you.com
Good luck. |
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saurus3118
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Research the regulations at this website:
http://www.tdi.state.tx.us/consumer/cb025.html
It appears that they can only raise your premiums at renewal but I see no mention of it being a blanket application policy (applying to all policy holders equally). Look at it this way, if you were in Florida you would be ecstatic to have insurance! |
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elisayn
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With all the bad weather lately and all the claims, you will probably get an increase. I know of people that won't claim on things they can handle, as they don't know if they will have an increase. Hard to tell. Maybe you can discuss this with your agent.
bettyk |
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mbrcatz
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Well, YES, your AGENT knows the particulars of your policy!! Unless you have a rate guarantee, or some other oddball enhancement that doesn't increase your policy for claims, it goes up!
I would NEVER file a homeowners claim for $1500. $5,000 is my personal threshhold (and I'm in TX, too). Because of that, I carry a $1,000 deductible, and of course, a lovely 3% wind deductible.
Homeowners policies are for large, catastrophic claims - like that $50,000 kitchen fire, or a tornado blowing off the roof. Not the $1500 water damage, or wind knocked over the fence thing. So if you DO put in a small claim, it's going to penalize you. |
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trail guy
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You'll have to ask your agent. They'll usually tell you before actually filing the claim.
In general though, they will care more (and charge more) if you have a claim history with internal water damage, mold, and deterioration. Freak weather related claims should be OK. But... I don't know the market in Texas or the Insurance Regs there. So this is just an "in general". |
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memyselfi
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This is probably possible, but to be absolutely certain, you might contact your company directly. I'm sure this varies from state to state, but in Ohio the insurance companies I have had through independent agencies have never increased my premiums as a result of any claims. In Ohio & the companies I have worked for within independent agencies have never had rates increase due to claims. Repeated claims within home policies could result in the company placing higher deductibles on the policy or refusal to renew a policy, or also may require repairs or replacements of things to prevent additional claims.
I'd check directly with your insurance company for specifics in your situation. |
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JAN
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I would file the claim. You are talking over $1500.00 more out of pocket expense to replace the fence above the $2200.00 deductible. I do not think they can raise your premiums that much for this claim. If it was under $500.00 more then my deductible I wouldn't file a claim. |
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Patrick N
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Premium go up? You'll be lucky if they don't drop you.
Insurance is the biggest legal scam I can think of. Before I go off on a tirade ...
If you file a claim, yes your premium can increase. It's called "Risk-Based" pricing. Just like when you apply for a loan at the bank... If your credit history is bad you get a bad rate. For insurance, homeowners, auto ... even life & health .. if you have a history of making them pay or are a higher risk, they will charge you more. |
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