 Why life insurance is so cheap ? |
| are they really going to pay after death ???... |
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 Do you normally get paid for covering someone elses shift?? |
| i am doing work placement at a care home, and i really like it and someone was saying do part time and cover for other peoples shift's??? does that mean i get paid for covering other that ... |
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 How can the poor get the medical care they need? |
| How can people who can't afford health insurance get the medical care they need? My dad was afraid to go to the doctor because he was afraid he can't afford it. He doesn't have ... |
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 Who pay's for theft? |
| my car got broken into today at my work and i lost 1500 dollars of goods no signs are posted that say there not resonsibly for autos. it was on there property and im there worker should my work ... |
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 If i quit my job to get medical treatment can i get unemployment? |
| I have been treated here in NY for a medical condition (it does not prevent me from working but if i do not get treated it can have consequences) but i have not seen any progress. I want to quit my ... |
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 Was fired, couldn't pay insurance premium, had my baby..now how to pay hospital bills? |
| I was fired 3 weeks before I had my baby. My employer had been paying the insurance premiums and since our income was cut in half, we couldn't afford it on our own. Now that I have had the baby, ... |
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 Can my car insurance be cancelled for a late payment? |
| My car insurance payment is due the 9th of every month for $116. I am a little short on cash right now. I may not be able to pay it until like the 25th. Can they and will they cancel my policy for ... |
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 Would I get a better auto insurance rate if I combine my car with my parents current policy? |
| Only catch is I'm 28 years old going on 29. I wasn't sure if there were any age restrictions on combining policies with my parents who are senior citizens. I'm simply looking for a ... |
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 I propose to create a website on Insurance.? |
| Can anybody help me in this? What will be the cost involved?... |
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 What are important things to know when buying a life insurance? |
| What questions should I ask about a policy in order to pick the best company and benefits?... |
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 COBRA insurance? |
I was wrongfully termed from my job on 3/2/07 and have yet rec'd anything regarding COBRA insurance or any termination paperwork. Is this legal for the company to not do either of this?
T... |
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 My partner got stopped sunday for no insurance unaware it had cancelled!!? |
| my partner got stopped on sunday for driving uninsured, according to ther police the aa had stopped it in june without giving us any correspondence what so ever, still got certificate and everything.<... |
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 Will insurance help pay for me to remove some dead trees from my yard? |
| My house has 2 huge dead pine trees that could fall on top of it when they fall. I'm going to get them cut down, so will my farmer's homeowners help pay some of the cost. The trees died ... |
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 My father in law signed loan papers so that my husband & I would have a new car to drive...? |
he tried to add us to his insurance policy but his agent said that we couldn't be added because we didn't live in with him. How can we get the car insured?
Additional Details
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scanjet | If you decide to change insurance companies do you have to do it when your contact ends? |
I have a 12 month preiumum with Liberty mutual. I'm in the middle of the preium and pay a montly payment. Do I have to wait for this to expire or can I do it whenever? |
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jezyka
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You can switch whenever.
Your new policy will send you a form, and you will give that to your previous insurance company, and they will refund you the amount of your unused policy. |
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vdpphd
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You may cancel insurance at any time, and apply for insurance at any time. However, some policies have "no refunds" clauses, or penalty clauses, so whether it pays to switch in the middle of a period depends on the exact terms in your policy. If there is no penalty for stopping the policy you have, and the other policy is more economical for you, switch at the end of a month to make the monthly payment thing simpler. Just stop the Liberty Mutual payments and start the others. |
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BPSKI
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You can change company's any time you choose, You will get money back from the old company that wasn't used pro rated, I never heard of a penalty. Be ware of point grabbers here that say anything. |
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myssie6983
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No, but it is easier. If you cancel mid term, your looking at possible penalties to prevent people from cancelling during a busy season, also, it takes time to cancel the polciy, and get the refund back to you. Meanwhile, you pay for the new policy, and in some cases, are waiting a while to get the return premium.
However, if you don't renew your current policy and have a new one written, you already have the money for the new polciy, and you're not waiting forever for a refund. |
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W p
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As an insurance agent I have many people who listen to the advice of people who are not insurance agents. The fact is that most of the people that they are listening to really don't understand insurance completely.
When you took out insurance with your current company you signed a contract and are bound to the terms of the contract including the cancellation of the policy.
Your policy has a section that will explain how to cancel the policy and if there is a penalty. If you can't find your policy then the best answer will come from Liberty Mutual. Call your agent or company and ask them. |
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Agentdude
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It really depends on the type of insurance and the conditions under which a mid-term cancellation is handled in the policy provisions.
While MOST personal lines policies will allow a pro-rated cancellation (no penalty or short rate fee's) NOT all will.
In the world of commercial insurance, the one policy that WILL charge a short-term penalty in workers compensation insurance. |
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cybersharque
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You can cancel at any time, but there will be a penalty assessed if you cancel during the term instead of nonrenewing. |
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Romelucky
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No absolutely not.
You can cancel at anytime just as long as your new policy takes effect the same day you cancel your old one.
Simply mail Liberty Mutual a form advising your wish to cancel and for them to forward you any reimbursement on the current premium already paid. Also be sure to keep a copy of this notification.
I switched about two months ago and saved a ton of money. Insurance companies are the biggest rip-offs in the world. They will never tell you that you qualify for a lower premium unless you specifically ask them.
Switch to GEICO, they will save you $$$$. |
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mbrcatz
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No, you don't HAVE to, but if you cancel mid term, you're subject to a short rate cancellation penalty, AND a cancellation fee in states that allow it. So it will cost you money to cancel mid term. |
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