 Insurance cancelled without notifying insuree? |
| My father took care of my health insurance throughout my entire childhood, up til I was 20 when he canceled my health insurance, without telling anyone. I did not find out for 10 months. Is that ... |
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 Life insurance and depression. Wondering whether to go to the doctor or not....? |
| Hi, I believe that I am suffering from mild to moderate depression and was planning to go to a psychiatrist about it tomorrow. But it has just occurred to me that it might have a big impact upon a ... |
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 If I buy a term life insurance policy with a term of 20 years...what happens at he end of the 20 yrs? |
| I know this sounds dumb, but do i just put the policy in a safe deposit box until I die? I'm in my 40's and know I need to get a policy, and just have so many questions that I can't ... |
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 Can heirs be liable for medical bills not paid by parents? |
| If my mother-in-law runs into serious financial hardship and she can't pay her copays/health insurance and she needs healthcare, will the hospital deny her healthcare, or will the heirs (me and ... |
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 Need Health insurance ! |
| Does anyone know of any health insurance companies that will take me even though I have ADHD? It's okay if they mark me up or put a rider on it so none of the adhd expenses will be covered, I ... |
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 Who is liable? help me out please? |
if someone gets hurt in a pool on rental property who is liable?
the renters bought an above ground ... |
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 How do i find out my landlord's homeowners insurance company.? |
| My landlord tried to fix the water heater less than a week before the house burnt down because of the faulty water heater.i will like to file a 3rd party claim against his homeowner's insurance ... |
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 Hospital Sent me to Collectons, can I still pay hospital instead? |
| I had a 1600 dollar bill to pay them and I called in November and agreed to pay them 63 dollars a month until it was payed off. Now a few months later I get a call from a collection agency saying I ... |
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 How long can you wait to report an accident to insurance? |
| the accident i was in was a week ago....we wernt going to go through insurance but the estimate is much higher then either of us thought so now we do want to use insurance....can we call a week later ... |
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 We are currently looking for health insurance with maternity coverage, any advice where to look....more info? |
ones I have seen you have to have the plan for 12 months before the maternity will work. Is there any plans that have a shorter waiting period?
Additional Details
I live in Arkansas.... |
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 Need advice on good medical insurance company? |
| Wanting to purchase medical insurance for a family member. Looking for a very good company who could provide major medical insurance with at least a $2,500.00 deductible. Just mainly looking for some ... |
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 Can your homeowners insurance policy be cancelled if you get a big dog? |
| I know someone who had a homeowners insurance policy that was cancelled because of a big dog that her friend gave her. Is that allowed?... |
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| Been quoted £15 by Swintons to replace a lost car insurance certificate. Do they all charge this amount? |
| I've supported my local branch for years now even though they were more expensive. I always thought I could just 'drop in' when I needed them. But for this charge just to laser print 1 ... |
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 No health insurance, but considering it depends how coverage works for using a midwife? |
| Can a policy not have maternity coverage and still cover using a midwife for womans health and labor and delivery?... |
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 I witnessed a slip and fall..? |
| will the witness of a slip and fall be compensated? i feel as though i am going out of my way for the victims lawyers and they constantly call. but if she wins because of my account of the event will ... |
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Chub-a-lubby | Post Office: Insured package lost, I receive amount insured for? Or only the value of item? |
I'm under the impression that if I insure a package at the post office for $500.00 and that package is lost, I will receive $500.00 regardless of it's value. I paid the fee for that amount of insurance.
Additional Details
If what all you are saying is true, then why are there amount of insurance options? |
 |
 
ricks
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To answer your followup question about why are there different amounts available:
different things cost differently. You are given the opportunity to insure for an amount of coverage. Lets say the only available option was to insure for $200. You send someone a $1 pack of pencils. Do you think it is right to collect $200 for it? The other side of the coin is, you ship a $1800 laptop & it is damaged. Would you be satisfied with your $200 claim?
You are offered the option to choose your coverage based on your need. If you only need $50 of insurance, that is what you pay for. If you need $50k of insurance, you pay for that. You insure items for thier value, not what you want to collect. |
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Dan S
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With insurance companies and such they always want to make the lowest payment possible. So you will be reimbursed by the Post Office for the value of the item up to a maximum of $500.
If you were to get the full $500 then you would have to be shipping a $500 value item. Otherwise the price would be much higher and people would be beating down doors to lose their insured packages. |
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zippythejessi
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What you receive is the value of the item or the price that was paid - whichever is appropriate.
The insured amount is the approximate value of the item - that is why there's so many choices. (For instance, if you're shipping costume jewelery, that's probably worth less than $100, but if you're sending your daughter your mother's diamond earrings, that value would be more than $1000, assumedly.)
Over the summer, I sold some heirloom plates on EBay for a grand total of $55, but the plates had a total worth of $1000. Since the guy only paid the $55, we only insured it for $100. Two of the plates arrived broken, so we filed the insurance claim, and the buyer got only what he paid for those two plates - about $11. When filing the claim you have to prove what was paid and what the worth of the item is. |
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efrankbkkcam
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the price it's worth |
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mbrcatz
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No, you have to PROVE to the post office what the value is - with a receipt or some such, and you receive the lesser of the value, or the amount insured. |
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CherBear
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Why would you insure something for more than it's worth? You just wasted your money by insuring the package for more than it's worth. The post office's policy is correct. You only get the value of the items shipped....makes sense to me. |
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