 My son has no Health Insurance and has a seriously broken foot? |
| On Friday night 2/20/2007 my husband and I came home to find our 18 year old son had fallen on his left foot and fractured it. We immediately took him to the closest Emergency Room. They did ... |
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 Is it true that ppl without insurance in the USA can't use hospitals and medicare? |
I've heard that ppl without insurance can use medicare in America.
If a person have an car accident or an emergency illness, what will happen? Will the doctors accept him in the hospitals?<... |
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 Can insurance companies deny coverage during open enrollment? |
| I work for a college in Texas. Due to my husband changing jobs, I need to add him and our two kids to my medical policy. Colleges are exempt from adding at any time. I have had to fill out E... |
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 Do you think there are many that can afford health insurance and just refuse to buy it? |
| I saw a question on here where a lady chose to lay off an Obama supporter, Single mom, who was offered insurance at 40 dollars a week, and refused to take it. But, she found the money for a "... |
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 What would a typical home insurance payment be on a home valued at $60,000? |
| My wife and I are looking to buy a home, but we want to find out what a typical home insurance payment looks like.... |
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 What is the best medical insurance company in India? |
| Hi friends....what is the best medical insurance company to join for the person aged 26 years, please consider wide variety of benefits and wide range of dieseases coverd by the perticular company...... |
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 Question for All Insurance Agents? |
| I have read some of the previous answers and understand that to make it in the insurance business, you have to work hard and put in hours. I have a friend who sells health insurance and know that it ... |
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 Anyone know of a cheap car insurance that will backtrack 2 weeks or so to take care of a ticket? |
| I got a ticket for not having car insurance and I am hoping to find an insurance company that will help take care of that.... |
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 I recently had hail damage to my car and my insurance company did an estimate which is 100% lower than 3 reput |
| I recently had my car damaged by hail and I have comprehensivr coverage. My insurance company had an adjuster do the estimate and his estimate is 100% lower than 3 other estimated I had done (some ... |
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 Car insurance question plz help? |
Are their any problems with requesting a free car insurance quote from progressive.com?
Will they start sending me all kinds of crap in the mail and will it hurt me in any way?... |
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 Does any one know how a cash value life insurance policy work? |
My aunt has a whole life policy $10k on her and one for her husband for $10k - $25/month with $4k in the cash value account
They are in their early 50's
Additional Details
W... |
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 We bought our house 6 months ago after our house insurance got cancel ? |
| but we are getting reinstated agin I am a little bite of insevure because we are really young and I always get concern that some people get advantage of us for being too youn it has happen. Now ... |
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 Blue Cross Denied my claim. Why? |
| I went to my ObGyn for blood work (it was to check my progesterone levels etc for fertiliity). I've had blood work done before & never had a problem with claim being paid. When I received ... |
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MoniqueLise | Insurers who don't use credit scores? |
This seems to be an ongoing problem for many of my readers at InsuranceGuide101.com. Does anyone know of insurance companies who are writing homeowners, auto or other insurance without using credit scores to determine eligibility or premiums? |
 |
 
mbrcatz
|
Leader Insurance will do auto insurance without a credit score, but they put you in the absolute bottom tier (highest rates) if you choose to not have a score.
Some small, regional carriers will also not score you, but you'll have to look around in your region for them.
The problem is, carriers using traditional, non-scoring underwriting are showing much worse claims performance than similar carries who ARE scoring - because all things alike, they are getting more than a random amount of poor credit scorers, so their share of claims is increasing.
This encourages them to move to scoring, so there are fewer and fewer non-scoring carriers out there every year. |
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Queen B
 |
i live in nc and am an agent and alliance mutual does not use credit. |
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mamatohaley+1
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I am not sure but I think Am Fam does not. |
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mkulda
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American Family doesn't but is strongly considering it.
Most carriers that don't use it are ready to on short notice to begin using it because the statistics bear out the truth...lower credit scores equate to more insurance claims pure and simple.
Some states prohibit or heavily restict credit underwriting and with the Democratic takeover of many statehouses, I predict several more states will do the same.
It's sad because the statistics also show that policyholders from companies that use credit underwriting get a more of a premium break. In most cases 65-85% of policyholders from such companies actually get a discount.
So if credit scoring is prohibited it means 3 of 4 policyholders will begin subsidizing those with poor credit who now get surcharged. |
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blb
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Hartland, but they only write in ND. I don't think that American Family credit scores any longer. I think that you have to check the companies in your state. I have a few others that don't credit check. |
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?
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I worked for a big name auto insurer and they all use your credit score they wont admit it but if your credit is low they will charge you more or deny you insurance. They also go by your occupation, education and ma trial status. |
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