 I have a huge medical bill and no insurance. Can I really just pay like $10 a month? |
| Someone told me you can just pay what you can "afford." Well, if I can only "afford" $5 or $10 a month, will I get all my assets seized or something?... |
|
 Do you think that a guy in his mid-late 30's with no money has any chance of being a provider? |
| I guy friend of mine has just turned 36 years old. He has been working at an $11.00 an hour job at an insurance company for about 8 months now. He's planning on he's getting get his ... |
|
 Don't be fooled by agents when buying life insurance? |
| if you buy whole life they tell you you can borrow "your money" but you have to pay back with interest because if you don't if you die the company will deduct the money you borrow from ... |
|
 I know your homeowners insurance is suppose to go up every year, but what is normal? |
| My homeowners insurance cost has gone up from $520 last year to $609 this year. Thats a 17% increase . Is that too much of an increase?... |
|
 How can Insurance companies say that Storm damage is? |
| An act of God. Surely they have to prove there is a God before they can make this statement. Is this one for the Courts to decide.... |
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 My husband was in the hospital for 2wks. We do not have health insurance & the total $bill is super high!? |
| It is too much money. Are there any payment plans/write-offs to reduce the total amount?? If anyone has had this problem, is there any advise you can provide. Any help is appreciated.... |
|
 Auto insurance renewal? |
Hello all,
My current auto insurance is ending next month and the renewal form just came in. Coincidently, I was offered a better deal from another auto insurance that was less than half ... |
|
 Do you agree with this practice? |
| Did you know that some insurance companies base the rate they charge on a clients credit score? The do have their reasons. They have statistics that show people who pay their bills are more ... |
|
 Where can I go for cheap car insurance for a young male driver? |
| My 17 year old is taking lessons but we've discovered that the cost of adding him to our car insurance is prohibitive. I'd really like him to be able to drive our car as my husband is ... |
|
 Who offers the best insurance for california general contractors. We have 2 work trucks that need insurance.? |
I need commercial auto insurance. What is the difference between commercial and residential auto insurance policies? Is it just the limits?
Thanks,
Andre.... |
|
 Can i legally drive to school under my parent's insurance? |
| I am seventeen years old, live with my parents, and in Florida.... |
|
 Can ex-husband file for life insurance on wife? |
Additional Details
I was wondering if my ex-husband could have a life insurance plan on me that I wouldn't know about?... |
|
 How can I get insurance to pay for a breast reduction when it's excluded? |
| I have group health insurance with BCBS of Louisiana and listed in my booklet it says breast reductions or anything to do with them are excluded from coverage "regardless of medical necessity&... |
|
 Tell me about health insurance policy ? |
| pls suggest me some good health insurance company.... |
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Corona | If your car gets totaled and you have full coverage, does insurance go by trade in value, private party? |
Value, or suggested retail value. Or do they go by any of these? I am trying to determine whether to keep full coverage on my car or not because I am fixing to make a lump sum pay off. |
 |
 
es
 |
Different insurers have different plans. No one on this forum knows what your policy says. These policies are not all the same...
Please, call your agent and ask for a policy review. This service is free. Your agent will be happy to go through your policy with you, review your individual circumstances, and advise the best course of action. Additionally, you will then be in a good position to decide if you want to shop around for a different policy. Good luck! |
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googie
|
Check with the insurance company. I think you will find the settlement will be based on depreciated value. |
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Zarnev
 |
They don't go by any of those values; each insurance company has it's own value assigned to each model. Most will fall between the trade in and private party values, and will normally be closer to the trade in. |
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Dont_taze_me_bro
|
What risk are you trying to mitigate? |
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The Grinch
|
A vehicle "typically" retains its value for about 10 years. But also depending on the vehicle as well. A BMW would have more value than a Ford after 10 years.
Also check how much you are paying to keep full coverage, then add your deductible to that. If that total equals close to the value of your vehicle according to kbb.com then I would remove collision. Possibly not comprehensive depending on the carrier.(insurance does vary a little by state also) Some companies will cover Glass on your vehicle without a deductible.'
You should really consult with your agent who has personal access to your insurance policy and benefits. |
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Chris S
 |
most go by the depreciated value,
pretty much they are trying to give you the least amount of money you are willing to take. |
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mbrcatz
|
OK "full coverage" doesn't mean what you think it means. There are FOUR possible values that your policy is written on, the most likely one is Actual Cash Value. In which case, you get the actual cash value. To figure it out, you can go to www.kbb.com and look at the private party sale value of your car, in your zip code. Be honest about the condition, because they'll ask for maintenance records to verify.
In determining whether to keep full coverage on your car, you REALLY need to figure out if you can afford to REPLACE the car, if something happens to it. If not, keep the full coverage. If so, drop the collision, and maybe the comp also. |
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PIKA
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they go by the current blue book value, look up "kelly blue book" |
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Brizzle
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retail, but you would be lucky to get that unless you took out gap insurance on top. They will try and screw you, dont accept the first offer they give you. |
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