 I'm looking for a health plan, with low monthly payments? |
neither my or my husbands job offer health insurance, so we are looking into private plans like Blue Cross Blus Shield. I am 28 and hubby is 29 and we have a 2 year old.
The quotes we�... |
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| Anually, what is the value of insurance claims due to water ... |
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 The doctor bills? |
| Me and my husband have independant insurance. We pay 300.00 a month and that is with maternity. Now the doctor says we have to pay the entire doctor bill before May so that is 500.00 a month. They ... |
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 Does insurance pay if your car need to be repair in the repair shop? ? |
The car was accidentally hit in the wall of my own garage... And it really hit a bit bad in the other side of the car...
My question is if i bring my car to a repair shop to make it to be ... |
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| Safety is a number one prioroty and has never been an issue. We have a 100% track record.... |
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 My friend told me that you can get car insurance cover letters from some garages.? |
Anyone have more information on these?
Additional Details
Yeah apparantly some garages can give you some cover letter which are legit and cover you in the event of an accident, only its ... |
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 What sort of Life assurance / mortgage cover do i need? |
| We have an interest only mortgage and need to get some kind of cover for life insurance / endowment or mortgage assurance - we have no idea what to look for - we want it to pay off the mortgage ... |
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| I do not have alot of money and I am trying to find a life insurance policy that I can afford for my mom. Sha has cancer in her throat and I can not find an insurance company that will give her ... |
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| Should I just quit the job that I hate (lol), and start with the insurance, or do the insurance on the side while i have this job then quit when i have clients built up?????... |
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| just baught a van and looking for insurance companys numbers,thanks ... |
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 Can an insurance company deny you a claim even if the other person got a ticket? |
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The other driver failed to yield the right of way and rear ended my husband.... |
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 Home Contents Insurance - what affects this price? |
would contents insurance be more expensive for a lower ground floor flat, or ground floor flat, than the upper floors?
Is there any statistics on whether they're more likely to get broken ... |
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 Should I pay this medical bill? |
| Basically, I had to go to the walk in clinic to get some stitches. Personally my friends and I think that all I needed was a butterfly bandaid and maybe some of the dermabond or vetglue(instead of ... |
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| My mother passed away and had credit card bills. She had no estate (property, etc). She did have some money from an insurance policy when my Father passed away. I have this money in my possession. ... |
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 Can anyone recommend any company that offer good insurance? |
| I'm trying to shop for insurance companies that are reliable and offer good deals for a family plan covering house and several cars? Any recommendations?... |
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 How can I get car insurance on a car that my ex husband let my daughter borrow? The car is still in his name.? |
| My ex husband let my daughter borrow one of his cars. He lives in a different state. I had the car registered here in the state we live in, but now the insurance has expired and I can't seem ... |
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Joe | Insurance won't replace windows...is this right? |
I just comletely remodeled an older home (including refinishing the windows and original trim) and it has the old windows with divided glass. Unfortunately we had hail a week ago and it broke out 7 windows. The insurance company says they will only cover the cost to replace the glass squares because they are fixable. On most of the windows multiple squares are broken.. 5, 6, 7. Is this right? Can they do this? The rain and wet also stained and raised the grain on the inside of the windows, but they say this is fixable too. Why do I even bother having insurance?
Additional Details
I'm not talking about an upgrade mbrkatz.. insurance agent 21 years... I'm talking about fixing the windows I had completely stripped, stained and sealed less then 2 months ago that were wer for 8 hours while I was gone at work and ran down the inside of the window, down the wall and soaked into the sheetrock. |
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fighting saints
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There are tons of reasons to have insurance. Try having a house fire without insurance and you'll change your tune.
The insurance policy is a legally binding contract that is approved by your state. Every little word, clause, exclusion is approved by the state. one of the clauses states that it is up to the company to decide if items are to be replaced or repaired. Of course, you can have some input into this but the final decision rests with the company.
I do agree that they should send somebody out to inspect the damages. However, more and more companies are trying to save expense money.
I'm also wondering if it wouldn't be better to keep the original windows as far as the value or "curb appeal" of the home.
If you really, think they should be replaced and you have an estimate or report from expert repair person, I would suggest that you contact the company supervisor. Ask them to send a field adjuster out to inspect the damages to verify the experts opinion. Without the experts written opinion you don't stand a chance.
Good Luck |
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mbrcatz
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Well, they don't upgrade you to fancy replacement windows. If you had old panes with glass, that's what they'll replace. And those glass panes are CHEAP to replace, likely only under your deductible.
They don't UPGRADE you! ! It's not an UPGRADE policy! It's REPLACE what you have.
And if it only rained inside one day or so, then sure, that's fixable.
You bother having insurance, because your mortgage requires it. Or in case your house burns down. NOT to upgrade, or maintain your house. A policy that covered maintenance and upgrades would cost like health insurance - 10X as much. |
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Jeff D
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Sorry to hear about your home owner woes.
Just make sure that the repairs are completed to your satisfaction and try not to get all worked up about it. There are plenty of other things in life to get worked up about. |
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Steve S
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Insurance companies will repair damage until it is cost prohibitive and the better answer is to replace. If there is some damage companies will repair with like kind like quality materials. If it is more feesible and cost effective to replace the insurance company has that option. Talk with your agent and let him or her know your fustration and they may be able to work with the adjuster to help you understand the position fo the insurance company or if there are other options to remedy your loss. Good Luck |
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bud68
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What would you have them do? Completely upgrade all your windows in the entire house? Insurance only replaces in kind that which was damaged. |
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Old Dawg
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Hi Joe...
Sorry to here about your window problems but I'll have to agree with the agent of "21 Plus Years"...
Insurance is very much a "rip-off" that is backed by the government... Something to which all of us have to have... Be it home owners, automobile, life etc...
I believe if one goes back in history... Insurance derived from the old day's of the early 1900's or before when there was organized crime and store owners had to make payments to "mobsters" or suffer having there establishment burned down.
Anyhow!!!
Hope you find some resolve in your troubles.
O.D. |
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