 Home insurance? |
| im looking for some insurance that will mean if either my fiancee or i die our house will be paid off in full (this way our kids have a home) im still quite young (38) any one know any good companys ... |
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 Can companies go back on their word? |
| Holiday Insurance - baggage delayed 24 hours, policy in bag as not allowed on plane at that time, called Insurance Co. from Spain. Told £100 to spend, when ? anytime before return they said. Lodged ... |
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 If I have a lapse in my health insurance coverage after leaving a job will I be able to get health insurance? |
| once I start another job? I have type 2 diabetes and am hypothyroid if that makes a difference. I know there will be a 3 month waiting period as well as possible more time for pre-existing ... |
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 65 yr old man struck by van in auto sales parking lot ......? |
| thrown 5 ft through the air,speaks to owner of parking lot who is alledgedly the one who drove into him,the 65 yr old man says he thinks he is ok and walks away,then a few hrs later people start ... |
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 When getting a quote for homeowners insurance, should I tell them that I have a dog or not? |
| I know dogs are considered a liability but if my dog prevented an intruder from entered my home would he be considered an asset? Bottom line, when they ask if I have a dog, should I say yes or no.... |
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 How does AD&D Insurance differ from Life Insurance? |
| I understand a little about how AD&D works (for example, if you lose a leg you get x% of your benefit), but who is it for? If I have Life and Medical Insurance, am a white collar worker, and do ... |
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 I was in an auto accident...? |
| (after getting a lawyer) ...When an insurance company offers a settlement, does it offer a second or third if the first one is refused? Or does the case go to trial after one offer is turned down?... |
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 I seriously discovered a chest full of money? |
What should I do with it? The contents are two dollars bills quarters hundreds fiftys and twentys.
Additional Details
I was redoing my garden and sprinkler systems and i dug it up in the ... |
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 ER visit no insurance does this sound right..? |
| I had a panic attack one night. i had been drinking but i wasn't totally drunk. i went to the er because i thought i was going to die. they did an ECG and i sat there for about an hour and a ... |
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 I received a check for 12,000.00 from my insurance from surgery.? |
| I cashed the check and spent it. 2 weeks later,I was told that the money wass to pay mt doctor bill. I plan to pay it back but I dont have a job now. What can I do????... |
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 Can i buy insurance for someone else without them knowing? |
| brother is an insurance salesman and got grandma to take out policies on myself and wife. She then cancelled the policies and we got the bill. He still got his comission though.... |
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| I need to know what an account that minor children's money is put into. Anyone? |
| I would like for my life insurance money, if something was to happen to me, to be put inot an account that my children can not get until they are 21 years old. I wouls also like it to be protected ... |
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| Can I purchase life insurance on my husband without his signature? |
| My husband is 41 years old and in perfect health but he won't get life insurance because he thinks nothing is going to happen to him. Is it legal for me as his spouse to purchase a reasonable ... |
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 Can I collect disability if I am married? |
| I was diagnosed with MS. My husband does not make anywhere near enough money to pay our bills. Can I collect disability?... |
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 Why are insurance agents never in their offices? |
| I've had State Farm for 12 years and had four different agents. I've never seen one in their office, nor have I ever met one. What are they doing?... |
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 What is the best insurance company that will give me a good rate, and good coverage for a 16 yr old teen? |
Good driving record with no incidents and and good grades with excellent attendance.
Doesn't matter if it's an online insurance company.... |
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 Should I or should I not? |
| I have been working at my current job for a little over a year. My boss is also a friend of mine that I worked with at another insurance agency, and when he got his own I followed him to work for him.... |
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zaniya | My car insurance is going to pay off my car. Will they give me the check for the car or the loan company? |
I am still waiting for my insurance to finish the inverstigation. I know for sure that my car is a total lost. I am paying for the car through a car loan coampny |
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Insurance MAN
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Regina, The check will have lienholders (loan co) name on it and yours. Thats why they are reffered to as the "loss payee" because incase of a loss the insurance company pays them. Another thing, more than likely they are not going to pay your car off, and they most certainly DO NOT go by the kelly blue book value. That is a myth. Almost all insurance policies on cars pay the "Actual Cash Value" of the car. This may leave you with a balance owed to the loan company, and it may overpay the loan company, in which case they pay you back the difference. Now would be a perfect time to see if you have GAP coverage. Many dealers offer it, and some dont even know if they have it. Check on the settlement statement from when youbought the car. If you dont have GAP and there is a balance owed after the insurance company pays, you owe the balance.
2 things here.... Keep making your payments as usual, you can still be held accountable for late fees and it can hurt your credit right beofre you are going to be buying a new car.
secondly... Negotiate with your insurance company on the value of the vehicle. The first offer is exactly that, an offer. It is negotialble, if you dont agree with ther evaluation of the value, most policies allow you to hire an independant adjuster to negotiate with the company. Read your policy!
And when you buy your next car, BUY GAP INSURANCE FROM AN AGENT, IT IS 10 times CHEAPER! |
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acermill
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The check will be made payable to both you and the holder of the loan, in order to protect the lien interest of the loan holder.
If you receive less from your insurer than the amount of the loan value, you will be expected to pay any deficiency to the lender. |
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Phil
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Since you aren't the the outright owner of the vehicle, they will pay off the loan directly to the company, and any balance left over will be sent to you. If the amount you owe on the vehicle is less than the vehicle is worth, you will still owe the balance. (This happens a lot since many people buy vehicles with nothing down.) |
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C C
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they usually pay what the going value for the car is..they will do a Kelly blue book and usually a local comparison in your area. If you car loan is higher then its worth, then you will have to pay the difference unless you have gap insurance. |
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Chef dad
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The check will be made payable to the loan company and you. |
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paladin5150
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As an insurance agent, the check will be made to both of you. You will have to pay the lien on the vehicle and then the proceeds left are yours. |
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kate
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The insurance company will issue to whose name is on the pink slip (title) , and in your case , it appears to be the lending company . |
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mbrcatz
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They'll give you the check, but it will be made payable to you AND the loan company, so you won't be able to cash it. |
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kikidismom
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The check will go to you and the loan company if they are a lien holder. Once they are paid off, you will get the difference. |
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