 Best place to purchase health insurance? |
| I am starting my own small business and need health insurance for my family. I won't go with Kaiser, please don't ask why. I need an HMO with no deductable or a very low deductable because ... |
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 After death-- how long to recieve insurance money? |
| My friends husband just died and she asked to borrow money for the funeral and other costs. How long does it usually take to collect the insurance money, so i will know how long to extend the ... |
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 Is my life insurance cash value tax deductible? |
| I'm cancelling my policy. I had it for a year. I put $3500 in it so far. The agent said that won't be refunded to me when I cancel. Can this amount be a tax write off?... |
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 Looking for a Life Insurance Policy, where I can only Pay one time preinum? |
| I am looking for an Insurance company where I can pay only one time preinum and insured myself for 10 year...I think so, it would be life policy..at the maturity after 10 years...If i still alive I ... |
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 So, I need health insurance and I'm a single mom... any suggestions? |
| ok, so my soon to be exhusband is in the military and I have great health insurance now but I wont have that for long. I'm a full time student and I'm barely going to be making it as it is ... |
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 When I die and my husbands receives my life insurance.......? |
| does Uncle Sam take part of the policy, or is it all my husband/children?... |
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 I want Whole Life insurance and Gerber Life insurance seems good for my Newborn boy. Should I get it too? |
It says 8.40 for me for 10k and 3.70 for each 5k I want to go higher. For my girlfriend it says 7.80 for the first 10k and 3.40 for each 5k extra. Does this sound like a decent deal?
Additional ... |
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 If someone else drives my car and wrecks...? |
| Or gets into an incident where he/she is at fault , regardless of whether or not I'm in the car.. does my insurance cover it and my premiums gets affected or does the person's insurance ... |
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 Looking for cheap & crappy life insurance.? |
I am looking for sources of *REALLY* cheap life insurance. I have to have life insurance for the next six years (declining each year), while I pay off a structured legal settlement.
I don&... |
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| Re ended accident? |
| i was re ended a month ago keeping in mind i bought my van 3 months prior this. at a stop sign he hit me he says i backed in to him, needless to say the state po po didnt come it was the local, he ... |
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 What do you think about charging morbidly obese people more for health insurance? |
They have just added $25/month for people with a BMI of >35 for Alabama state employees
Additional Details
Smokers pay $25/month more ... |
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 What percentage of my insurance should I expect my employer to pay? |
| I work for a small startup company and have no idea what I should expect my employer to pay for my medical/dental insurance.... |
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 Life Insurance? |
I am looking to get life insurance for my wife and I. I have looked through tons of plans but honestly I do not know what I should get.
We have a house and a 30 yr mortgage, and I was told ... |
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 My home is worth 2x as much as when I bought it -- do I need to change my insurance? |
I saw a 'teaser' for a news program about this like a year ago, and it's been nagging at the back of my mind since then...
Are you generally insured for a specific amount (... |
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 Do health insurance companies cover mental health? |
| im 20 years old and im still under my mom and dads plan blue cross blue shield of AZ do u think it covers mental health? im feeling kinda depressed i want to see a ... |
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Miss D | If someone dies in a car accident, does the insurance rate for their family account still rise? |
Additional Details
Assuming the person was at fault in the accident.
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sloppy joe
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Well I work for an insurance company and the only honest answer is that there are so many factors that go into insurance rates that there is no hard and fast answer. First off every state regulates insurance differently and every company that operates in a state has to have policies and procedures for rating policies that comply with state insurance commissions. Next each company, after complying with state laws and regulations, has its own rating system. When a driver on a policy is "at-fault," the potential for a rate increase exists. On the other hand policies can be rated on the actual drivers who are being insured and thus if a driver who might be a bad risk was no longer a policy driver (in this case due to death) then that might not change the rating. Hope this helps |
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Dave
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I'd love to see hard facts on this, but the cynical side of me says yes. |
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jerry
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It can. Once an accident is on the policy, it is adjusted accordingly, even if the person who is at fault was removed (either voluntarily or by death). Many insurance companies adjust their rates based upon liability and the amount paid to other parties through your negligence.
However, other parts can go into this. If through their death, the car is totaled, and you get another car and drive it less, then your rates may drop. |
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game over loves evanescence
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who is the dead? yes it will rise if the person who's fault was it survives. and i really don't think there is any insurance that will forgive u for something so serious.on the other side if the person who died was part of the family of the one who crash i really not sure if the insurance will cover . if it doesn't i think is really sad and unjust . liability suppose to cover the other vehicle so i really don't think they will cover u in any way . i know that if the one who goes to the hospital is the one that crash liability will not help him on anything.
but if the dead is the person whose fault was it . there is no way they can blame or raise the family rate if they do they got a huge lawsuit against them and the family will win . that attitude from insurances is legally call "acting in bad faith" and it is punished very harshly. they can even get millions of dollars from that so they wouldn't do it. |
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Jack.Bauer
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Most definitely. The person was involved in an accident. Anytime you're involved in an accident or file a claim, the rate on your policy goes up. |
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R
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i don't think so. When you go to redo your insurance the family member is no longer going to be a policy holder just the rest of the family and it goes off of their driving record not someone else |
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allansc2005
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Depends on who's fault the accident was,what kind of insurance(liability or full coverage),and MANY other factors you didn't disclose. |
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whisper.1973
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i wouldn't think so... because at that time.. the "at fault" driver would no longer be on the insurance... |
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Innocent
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i guess |
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laketahoebear
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My experience with insurance companies from all ends of the spectrum tells me yes...... however there is an excepton to every rule. Unless you think or hope you know already that your insurance is up to "the best", you'll find out soon enough. LTB |
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TheGuru
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In UK it does. Do't know about US -maybe so maybe not Only certain that through the process of RE-insurance everybody's premiums go up! |
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sideways325
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if u got good insurance like state farm and all state, they have accident forgiveness and rates do not go up but other insurances im not sure about |
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