 What happens if you answer "no" to the question "Have you used nicotine in the past year"? |
| On a life insurance policy application but you really do. What would happen if you started smoking after it was in effect? Would the company not pay the beneficiary when you died? How would they know?... |
|
 Does medicaid cover for child daycare??? |
| im 18 & really dnt knnow anything!!helppp....is it expensive?... |
|
 I left 2 shopping bags in the parking garage..? |
and when I came back to get them a few minutes later they were taken.
What can I do? Does insurance cover my loss/theft?... |
|
 Car loan my car is totaled? |
| So the driver was drunk totaled my car...has no insurance.. I still own 1700 on it... could I go after the guy in small claims to pay my loan off since I dont have the car any longer.. its a mustang ... |
|
 Cheap travel ins for my healthy 75 yr old dad to go to usa to his grandsons wedding? |
| i would like to buy cheap travel insurance for my dad who is 75 years old. in very good health, on no medication to go to his grandsons wedding in america for on week without it costing him a fortune.... |
|
 Is the home insurance industry the biggest scam in the united states? |
| Upon viewing Spike Lee's documenatry on Hurricane Katrina, I was dismayed on how the insurance industry failed to live to their end of the bargain for the people who lost their homes. As a ... |
|
 When is a car totaled by the Insurance co? |
| I hit a deer recently. The car damage was $15,000. The car is only valued at $18,000. Can I push the company to just write me a check, or do I have to accept the repairs?... |
|
 Fell on hotel parking lot.they say only1000 available for medical-gone over &more needed? |
| insurance said because hotel didn't know about oil on parking lot they are not liabible? that was in Mo. Broke arm and glasses & still numbness in thumb and wrist pain after 3 ... |
|
 A car ran into our yard, AAA Auto Insurance Company won’t pay for permanent damages to my tree…? |
| A car ran into our front yard, the driver claimed in the police report that she fell asleep on the steering wheel (this happened at 2pm). The car was totaled and did damage to our: lawn, fences on ... |
|
 What would happen if i just stopped paying for my health insurance.. besides obviously losing my coverage.? |
Additional Details
Im just wondering if it would have any negative affects on my credit or if I might have problems getting insurance in the future.... |
|
 Kaiser insurance, is my unborn child covered under the fathers plan? |
Im pregnant, my partner (the father) has Kaiser Insurance is his child that i'm carrying covered ?
Additional Details
Prenatel C... |
|
|  |
jgambone1 | Is it worth it to purchase identity theft coverage on a home owner's policy? |
I have had my credit card # stolen in the past and have never had a problem with having the charges forgiven. This is $40 extra a year on my premium. Does anyone see any meaningful value with identify theft protection? |
 |
 
mkulda
 |
Some companies actually include this coverage in the more high end homeowner's policies. Others sell it as a rider.
Usually the coverage just reimburses you for the time and expense of filling out the paper work to repair your credit history and record and not necessarily for any money that you may have lost to the crook.
And for policies that only pay for your time and effort, I think it is a waste of your money.
I would ONLY buy an ID theft policy if it also reimburses you for whatever money you actually lost. |
|
PatV
 |
You should be able to place a fraud alert on your SSN for FREE. Just call the credit bureaus (Experian, etc...). The only time your credit information is accessed is with your permission.
While the annual $40 seems steep, those credit shield policies are much more per month.
Since you have been a victim of identity theft, you may be eligible for a monthly credit monitoring at a lower cost. Call Experian, or the other two.) Also ask for your credit report regularly.
Good luck... |
|
jushapentoknow
|
yes - i work at a mtg lender as a jr u/w and i get tons of files with an identity theft alert-- no matter if your card has been stolen or not, anyone who you have made a contract with authorization signed by you regarding your social/credit/employment/etc.- your information can go through tons of people without you ever knowing about it- trust me its worth it- you never know if your information is being shared without consent |
|
STEVEN F
|
Identity theft coverage is supposed the reimburse you for the cost of repairing the damage if you are a victim of identity theft. You know the costs better than me. Do the costs covered by the policy outweigh the premium? |
|
fire_fly0434
 |
It is not usually worth it I work for Nationwide Insurance and we are supposed to try and push it on people, but I have also worked for Discover Card and what your credit card companies offer is usually 10x better then what your homeowners company offers. I wouldnt waste your money on adding it to your homeowners insurance. |
|
gatorgirl
 |
The company I work with has an identity theft shield. They monitor your credit and they restore it with a private investigator. Not just your financial identity, but you character, medical, social security, and driver's license. It might be something you should look into. Identity theft is the lasrgest growing crime in America right now. |
|
emariagethai
|
Yes it's useful, really |
|
Michael S
 |
It's worth it if it let's you sleep good at night, otherwise, don't worry about it. |
|
mbrcatz
|
I've never seen this endorsement cover anything real, except the expense to replace stolen documents, and that first $50 you can sometimes be liable for.
I don't have it on my policy. However, if I had a problem in the past, I'd seriously think about it. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
9 | 6 minutes(s) ago
| | | |
9 | 18 minutes(s) ago
| | | |
9 | 43 minutes(s) ago
| | | |
9 | 44 minutes(s) ago
| | | |
8 | 1 hour(s) ago
| | | |
9 | 2 hour(s) ago
| | | |
9 | 3 hour(s) ago
| | | |
9 | 6 hour(s) ago
| | | |
9 | 9 hour(s) ago
| | | |
9 | 2 day(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
