 My tree fell on my neighbors uninsured truck. will my insurance cover it if it was a sound tree or unsound? |
| wind storm. my insurance co will not cover it,they say his car insurance will . he has none. he is threatning suit. they will represent me in court but not small claims court but will provid e ... |
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 Full Coverage car Insurance? |
Is it smart to carry full coverage on a 1999 Windstar full paid for
Market Value approximatiely $5000.00 . My yearly premium is abouts 2300.00 with 500 ded on collision and comprehensive.
I... |
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 What am I suppose to do if I am having problems with my car insurance company? |
| My car was found to totaled two months ago and my insurance company was to pay to my car people on my behalf. They still have not done anything. What am I to do about this?... |
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 Life insurance - is this a scam? someone help me....? |
| my mother is getting life insurance (she's in her 50's). she had a man come to her house - he said he wants to withdraw her monthly life insurance payments out of her account next month. I ... |
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 Should I purchase Term Insurance not Whole Life and invest the difference? |
Whole life cost more, but with Term I could cut that in half and invest the other portion of the payment...it's a good idea eh?
Additional Details
The anwers from my question has ... |
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 I am in a relationship and the man says that he cannot divorce his wife because she will loose her medical ins |
She has diabetes and had cancer. He says that no one will give her insurance because of her medical history. Is this true? Are there alternatives? What are other options?
They are ... |
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 What do you think about No Win No Fee Insurance Claims. I have been approached by a company...? |
| I have been approached by a company who knew that I had had an accident back in March 2006 in Norfolk. I am from Essex and the accident was actually my fault. They are saying they will claim on my ... |
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 A question about health insurance... Please Help.? |
| First of all, I am twenty years old, and currently living at college. I have finally (after several days of debating) decided that I need to go to the hospital. I am either pregnant, or some other ... |
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 What should I do? My grandmother got ripped off.? |
| I just found out from my grandmother that her annuity has been taken advantage of by my older sister. My sister got the account information from my grandmother and then logged onto the company's ... |
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 What can I do? accident no insurance? |
| I had a car accident approx one hour before I had car insurance. I submitted the claim and everything is there a way to get them to pay for everything? will they pay much attention to the time?... |
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 Will health insurance cover existing medical bills? |
| I have a kidney stone that is unbearable and I want to get it checked out. I just applied for health insurance but I have to wait to find out if it's approved. Can I go to the hospital today and ... |
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| Re: California Fires. Aren't homeowners responsible for obtaining homeowner's insurance and if so why is the |
| government spending millions on this disaster. Is it for those who are not insured? Please someone who knows answer I don't need B>S>. I had a fire in my house and my homeowner's ... |
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 Insurance question Yes or no and if no why please? |
| My friend has just phoned me and told me that she has been burgled ( she went into her lounge and found that the rear door was wide open ), and that a few articles were missing, she has reported the ... |
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 Health insurance? |
| I have a doctors appointment for my son on Thursday, and i just don't like the doctor office we have been going to because everyone is so rude, so i want to switch doctors how do i go about ... |
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| Is homeowners insurance a complete scam? |
| my former agent admitted it was worthless as insurance and explained that i was buying it because my lender required me to do so. she could not explain why she did not tell me this when i bought the ... |
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 Why does State Farm Insurance rip-off clients? |
| Why is it necessary for State Farm Insurance to deny claims and try to acuse the client of filing false claims? Is it because the don't know any different, or they are dishonest rats from hell ... |
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Mig4 | Is insurance (on the whole) 1 bloody great scam? |
I ask because I don't have insurance on my contents, my loans or anything. When you finally do need to make a claim, its near damn impossible to do so. Maybe its just me, but I hate insurance.
Although I agree with car insurance, which I'd consider mandatory.
I dunno, maybe I'm a hypocrite. |
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tonalc1
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I used to work in the insurance industry, and the main concept I took away is that you insure for the big things. Don't make little claims on a broken window, stolen Ipod, stuff like that; it's there for huge liability settlements against you in a traffic accident, or if your house burns down, or thieves come in while you're away and remove everything you own.
That's why it's OK to have a high deductible. It reduces your premium, and the extra $1,000 or so you might have pay before settlement wouldn't seem so large if the settlement is $100,000!
And yes, the business of insurance companies is to make profits, so they are intransigent when it comes to actually paying out. It's a drag, but you are entitled to the money, so hang in there. |
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johnman142
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insurance is a business they make money by getting you to pay for coverage and make more by not paying on a claim, i havent found 1 company that is reputable, and if it wasnt required by law I would not buy insurance |
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dot&carryone.
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It depends on whether or not you can afford a substantial loss, if you were cleaned out by - theft - fire - flood - if you can easily replace most of the items then insurance is a bit of scam. I've never been able to claim the total amount of my losses from any insurance company I have been with. The rising cost of building and contents insurance is making me wonder if it is really worthwhile. |
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okfbagent
 |
Insurance is to protect against financial distress. If a loss were to occur and it wouldn't put you in financial ruins, then don't buy it. However, for most of us, a major loss to our home, car, life, or income, would be devastating to our finances. That's why there's a need to insure them. |
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insuranceguytx
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There are several accurate answers here. Ask yourself "If ______ were gone or if _______ happened to me, would I have the money to deal with the loss or the unexpected expense?" If you have the money to deal with it, don't buy insurance.
If you worry about the insurance company's reputation, talk to your state dept of Insurance (in US) or there are insurance counselors (not agents selling policies) around that can help pick a reputable company. |
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paul
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Yes. If you can afford to withstand the loss then don't insure. Insurance premiums cover everyone elses losses, false claims and paying fatcats' salaries. Over a period of time you'd be better off just paying yourself for the losses.
Car insurance is a legal requirement and liability claims are potentially unlimited. |
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sclaydonuk
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YES!
It preys on your fears of what if...?
And makes you feel that bit more confortable that if their was a problem, you are covered. |
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healthlifeinsure
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It really comes down to the agent you use. Find a credible, honest and ethical agent. This person will walk you through the process. Have them explain the coverage. Consider a higher deductible. Don't worry about the small things that happen, worry about the big losses. Make a good financial decision; buy a plan that will not send you back to "start".
I always give my clients choices. It is not about the premium it is about service and protection.
Good luck! |
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willieshac
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May I suggest to you Ameri Plan. They do not have any restrictions on pre-existing conditions and you can start saving immediately. There is a hospital advocacy program that assigns you a personal advocate to negotiate with doctors on your medical bills.
The plan also includes savings on dental, vision, prescription and chiropractic care. I'd check them out. I'm so proud to be with them. I know I shouldn't advertise, but your need sounds great. Let me know if you have any questions. wlakin@ameriplan.net
http://www.mybenefitsplus.com/40378118
We are currently running a promotion for just the dental, vision, prescription and chiropractic plan where you can try it out for 3 months for $23 total. This is a great service. You should check it out! |
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Nikki G
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I never get insurance unless I am certain its gonna break or certain I am gonna break it. Insurance is a giant con otherwise. |
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Emeteria G
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If you are married and have children and have a house payment, if something happens to you and die, can your wife/husband pay the mortgage? the funeral? the cemetery? Can she continue living the lifestyle that you are currently enjoying without your income? Can she/he send the kids to college without your income? If you love your family, it is your obligation to protect them so they can go on living and not be homeless without you. Life insurance are now very cheap. Do it for your family, not because it is mandatory like the car insurance. |
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nicolas k
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Insurance is a gambling game to make it easier for you. If you experience a loss, it is insurer's loss. If u don't, it's insurer's fortune. so lets gamble it shall we ;)) |
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boo8mer
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I would be willing to bet that most of the anti-insurance people who have answered on this thread have had terrible agents. Any insurance company that you get a policy through enters into a contractual agreement. If you read your policy, it tells you exactly what is covered, and exactly what is excluded. I would also go far enough to say that the people on here who appear to be against insurance have had a loss that wasn't covered and they didn't know it wasn't covered because they didn't read their policy. Talk to your insurance agent. Get explanations on the things you don't understand. That's what we're here for. We're the go-between for you and your insurance company. If you don't understand something, it's your responsibility to ask and if you don't, there's no point in getting mad when they call and tell you your loss isn't covered. Just like most of the people have said on here, if you have enough money that you can financially withstand the loss of something, then you shouldn't insure it. However, like the greater majority of the population, I can't just afford to put a brand new house up at the drop of a hat because the other one burned down; therefore, I buy insurance on the house. I also look over the policy to see what is covered and what isn't. I then do everything possible to eliminate the excluded risks.
Bottom line - You and your insurance company are in a contractual agreement. If either party violates the contract, penalties will ensue. |
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