 What options do I have for maternity insurance? |
| Assuming any future births will have to be c-sections...how much can I expect to pay, what sort of waiting periods are there, what's the best deal?... |
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 What sort of homeowners insurance do I get on a house that I buy to refurbish but not live in? Is cost high? |
| I am considering buying a house to flip, but I will put it an LLC. I need to find out if the insurance on the house will be reasonably priced. I won't be living in the house but will be there ... |
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 Would this be a pre-existing condition for insurance? |
| Ok, about a month ago i had a sore throat and went to the doctor. He told diagnosed me with rhinitis which is the sinus leaking into the throat causing irritation. Took the medicine and it went away. ... |
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 If your insurance says they won't cover something, is there any way around it? |
Do appeals really work? Will a note from the doc saying it's "medically neccessary" help?? Thanks!
Additional Details
Adding more details to clarify.. my son (2 years ... |
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 AIG wants more money.? |
Twice the government has given them money and both times they have taken spa trips for Execs.
Is it time to say sorry AIG the tit has run dry.... |
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 Can I use two different dental insurances? |
| I have Blue Cross Blue Shield and it covers dental as well as health, then I also have Delta Dental which is dental insurance only. Can I double up on insurance to save me some money?... |
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 I receive an auto insurance check with my name and my dads and we both signed it in the back........? |
| which its been already deducted of 500 dollars....the check came out to...925.73 dollars....but anywayzz is it okay 2 cash this check at bank of america...me and my dad will fix my car and buy parts ... |
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 I have been just declined health insurance from Aetna due to a high BMI and take lipid agent. any advice? |
| They told I have the right to appeal, however, I wonder if it worth my time or shoul I move on to another company.... |
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 Can i be charged someone elses deductible? |
Additional Details
I ran through a stone mail-box on accident, and the accident was considered 100% my fault. I'm not using my insurance company because I don't want my ... |
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 I'm moving to Florida, and I'm an insurance agent..how is the sales in Florida? |
| this is to all my insurance agent people in florida, i have a life & health licsence, and i needed to know whats the success rate of doing business writting business and being able to make good ... |
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 Employer pays 80% of my premium - If I opt out of coverage, do I completly lose the benefit? |
| For example: lets say my company pays $800/mo towards my health insurance. If I cancel my coverage with them and switch under my Husband's instead, my company will be saving that $800/mo. So ... |
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 Can I get on Medicare if I am 39 years old? |
| I have M.S. I am on short-term disability becasue of it and I am about to apply for SSDI. I am trying to put together a game plan. My first concern is health benefits. I am told by many that I ... |
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 Renters home burnt down, Thought it was insured, but it wasn't, WHAT NOW? |
| Last weekend one of my Mom's house(s) that she rents out, burned, (she rents out 2) their was a propaine leak. She thought she had fire insurance on them, but when she refinaced, it wasn't ... |
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 Insuring/Protecting yourself from serious legal liability? |
Say a hypothetical person has a significant net worth of about one million consisting of his home, cash, and his retirement account.
One day, this person is driving home and he runs a stop sign, ... |
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2ndchhapteracts | Since insurance is required by law, why do they do a credit check? |
Insurance companies then can raise rates, or decline business because of the rating. Or lack of one, as with young people starting out.
I understand for a loan or mortgage, but not something required by law. |
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davi1033
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It is because studies show that people with good credit are more likely to have fewer claims reported. Basically.....they are more responsible. Plus, people with a good credit rating have less of a motive to try to defraud the insurance company |
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mbrcatz
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Same reason they do a driving record check - because statistics show that people with lower credit scores cost more in claims.
It doesn't matter WHY, the WHY is just a bunch of theories. It's just a fact.
The numbers I saw once, showed a "break even" point at 625 score, so scores over 700 are where companies REALLY make money, and under 500, they lose their shirts.
So, just like someone with five at fault accidents is more likely to have an accident or claim, someone with a credit score of 400 is more likely to have a claim, and both get grouped into "similar groups" to pay their proportion of the losses - ie, higher rates.
As an aside, insurance is only required by law if you wish to drive a vehicle. Driving a vehicle is a privelege in every state, NOT a right. If you don't want to drive, or rather, if you don't want to own a car, you don't have to buy insurance. |
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Chido 36
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They require a credit check so they can assume you will pay for you insurance or at regular intervals. |
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kendell c
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Why do they do it? Because they can. If there is an opportunity to make money they will regardless of how unfair it is. Write your congressman, gripe at your agent, start a campaign to change this. if they could charge people with red hair more money they would. I agree with you totally. Its unfair. Statistics can be manipulated to obtain any desired outcome. Im sure that one sex, male or female, has statistically more accidents than the other. Im not sure which one but it would be discrimination to charge one more than the other so they cant do that. Im sure on a precentage basis one race might have more accidents than another but they cannot charge based on race either. |
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Susan M
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Unfortunately, insurance companies and attorneys effect government at all levels. It doesn't do the people any good at all. It seems like insurance companies have a free rein over us. The insurance industry ought to be more regulated or accountable somehow. |
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