 How are insurance companies legal? |
| You pay premiums for insurance but the second you get into a wreck, what happened to all that money i had paid before? Why are my rates going higher, i thought that is why i am paying for insurance ... |
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 I need some legal advice about an insurance claim I submitted to my car insurance agent? |
I actually have two claims and wondered if I will get reimbursed.
1) $379,431.34 requested reimbursement for repairs to my truck cabin. The damage was caused by attacking fighter jets.
... |
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 Is your company liable for damages if customer didn't report issue until after 30 days? |
| Our company moved machines out of apartment on 1/24/2007 and the customer did not call until 2/27/2007 regarding the damages to the door. Is our company liable?... |
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 Family Health Insurance?? Question Help? |
| I was wondering does family health insurance, for example. like in my situation, i want to go to a dentist to whiten my teeth, but will the insurance cover for that?... |
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 My husband had health insurance through his company. His company just dropped him from their health insurance |
His company just dropped him from their insurance coverage, and never told him. They never sent him a letter regarding COBRA coverage. Is this legal? BTW, we live in FL.
We just got a ... |
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 Auto Policy? 10 pts best answer!? |
| what determines the cost of an auto policy?... |
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 Am I being forced to buy auto insurance I don't need.? |
| Agent says I must buy protection against loss of wages...I have no wages, just Social Security and pension from my former employer.... |
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 Paid Dr. Copay and STILL got billed.? |
| Ok, I am sick of this blue cross insurance I have. I went to the doctor and talked to him for maybe 5 minutes. He did not do anything, did not prescribe me anything. I talked to him about the ... |
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 What if I upgrade my car insurance because someone threatens to mess up my car? |
| An old roommate stole a lot from me the day he moved out. I've been waiting 5 days for the police to take the report (they're busy according to them). In the mean time I contacted him ... |
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| What company you would recommand for Health and Life insurance? |
| I am a twenty-four-year-old single black female who does not smoke or drink; has no known health problems; and does not have any children.... |
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 Hit a fence with my car, I have about $2,000 in damage, if I file a claim ($500 deductible) will insurance go? |
will my insurance go up? I've only been with my company 6 months and just renewed for another 6 months. I haven't had an accident prior to this in over 5 years.
Additional Details
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 Are there any over 40s life policies in the Uk? |
| Often there are ads on TV for guaranteed over 50s life insurance plans where everyone is accepted without a medical. Is there anything similar for over 40s?... |
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 Is my job being horrible or am I overreacting???? |
| IMy family has never had health insurance. (3 kids) I was offered a job in Sept 07 and was told they would insure my family with very little payment on my part. I had to wait to get past the 3 months ... |
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 Life Insurance Quote? |
| What is the best way to get a life insurance quote from numerous companies? I want o make sure that the prices I get are the actual price that they will end up charging me. What is the best website ... |
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 Which Insurance company is best for Whole Life Insurance ? |
I have search only 2 big compnay Metlife and New York Life.
I am 24 years old and want that whole life insurance for my life.
So i want to know which compnay i need to choose for whole ... |
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 Who pays the medical bill if i decide not to settle my personal injury case? |
Additional Details
I was told that a lien will be put against
my settlement and that i can get my
personal medical insurance to pay along
with my auto med pay in order to ... |
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ms3d_maxy | Is it legal for an insurance company to receive general credit information without my permission? |
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InsuranceGooRoo
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Your insurance company must make you verbally aware or let you know that you are signing something that lets them pull your credit information. They can not order any of that information on their own free will without letting you know first.
We recently implemented the credit based insurance score with my company for homeowners policies. There has been people fired from ordering reports without verbally telling a client or sending a written statement that it would be done.
Please make someone aware of this. That is your private information. Your best bet would be to call the Department of Insurance in your state. |
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Sue
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It is in the fine print on your application. If you sign the application, you are giving your permission. Some companies ask you to sign an addition form, some just get your verbal permission - your agent will ask you before you get a quote. Also, it is what is known as a "soft" hit on your credit - the same as the "pre-approved" credit cards. It will not affect your score. If you are concerned about it, you can call one of the credit bureaus (TransUnion, Experian, can't think of the 3rd offhand) and have a freeze put on your credit, (as far as I know you only have to call one & they will call the other 2) that way, you have to call to allow each company to look at your credit. I hope this helps. |
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Jeevan Kumar Mittal, 1956
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I can also receive general credit information without your permission. I can do anything. An insurance company can also do various thing. You can not stop all. |
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rlvanhazel
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This is highly dependent on what state you live in. If its California then I believe 3 top officials will be convicted and sentenced to death.
Also, i'm not sure if you're referring to your current insurance carrier or if you are just shopping for quotes. Much of the general credit information is stored in databases like Choicepoint. So retrieval of info by insurance companies does not constitute a hit on your credit reports, or if it does its a soft hit that does not affect your credit rating.
In all honesty, it is to your benefit to allow them to look at that data. Without it you get charged base rate. Even someone with collections and bankruptcies get a slight discount off of base rate. |
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AG
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In certain cases if necessary you have to provide your credit information:Anyhow without your knowledge how it is possible to get the credit inforamtion about you?? |
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fidel_martinez
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I would assume so, since we as consumers are bombarded with "pre-screened/pre-approved" credit offers from companies that look at our general credit info. It isn't until we accept these offers that we allow these companies, insurance included, to look in detail into our credit reports. |
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mbrcatz
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They can't receive it, without your giving them the information they need to pull it - you need to give your date of birth, address, social security number, and name. And if you signed the back of an application - just about EVERY application I've ever seen has a phrase that gives permission for the insurance company to investigate you should they wish.
So if you signed ANYTHING, you gave them permission. They probably told you something like, "rates are determined by a variety of factors including credit scores", informing you of it when they asked for your ss#. Most of the time clients don't listen. |
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Kat G
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Insurance credit scoring & what is on your credit are 2 different things. When a company looks at "your credit" they do not see
who you owe, what you owe, and any of your accounts. It will not refect if you pay your bills on time. However, they need to advise you they are doing an insurance check |
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yap
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no its not legal please take some action on them cos they doesnt have any right to get into our credit information.... |
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