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 Can i have multiple insurance?
If i had two sets of dental insurance can i use them at the same time for the same bill?
Additional Details
Just so the bill is paid and i don't have to pay for a thing....


 Term life insurance would it still pay out in the event off death in less than two years?
If i got term life insurance and a year went by and lets say I was killed in a wreck or a fire or a car i was working on fell and crushed me would the insurance company still pay out since it hasn...


 IS 317.00 PER MONTH CHEAP FOR HEALTH INSURANCE THAT INCLUDES MATERNITY COVERAGE? please answer?

Additional Details
NO, IT IS NOT THROUGH A COMPANY- MY HUSBAND AND I PAY FOR IT OURSELF. AND WE ARE YOUNG, AND IN GOOD HEALTH...


 Need phone no. of AXA insurance agent in Malaga-spain?
I have insurance policy number-29188385-AXA insrance.but no tel. or address.my friend is in hospital in uk ,he is in a coma,so any info. is from yourselves....


 I have house insurance. the deductible is 1400.00 and i pay 700.00 per year. good deal?
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 If I have replacement cost coverage on my homeowner's insurance, can the co deduct for depreciation?
My house was robbed and I'm dealing with the ins company and they're telling me they deduct for depreciation - BUT my understanding was that replacement cost coverage meant there was no ...


 My husband is a carpenter and needs to get insurance for his business...?
What kind of insurance am I looking for. He just needs basic insurance as he is the only person involved....


 I want to get insurance for 10 acres of vacant land in Scottsdale, Arizona. Where can I get a quote?
...


 Loss of use standard per diem?
we had a serious problem with a sears refridgerator. they have agreed to settle the claim (about $30,000), however, we will be unable to live in our home for approx 6-8 weeks. does anyone know if ...


 Auto Insurance, College Degree, and Underwriting?
I am changing to Farmer's Insurance for Auto Insurance. My agent tells me that they will need to scan my college degree for underwriting to process my application and discount.

My ...


 Can I Get Life Insurance For My Dad?
My dad is 62, recently retired and lives in NYC. I want to get life insurance for him so that my mom will be taken care of when he passes away.

The problem is my dad has diabetes, high ...


 What is the difference between usps and ups?
...


 Where these all name brand prescriptions going these days even we have health insurance?
Where these all name brand prescriptions going these days even we have health insurance at work and even people who has medicare+medicaid benefits?Most people these days getting generic brands only....


 Can you go back to work in your field after you have collected on a work disability.?

Additional Details
What if you have collected a lump sum allready in a settlement? You are no longer collecting. Can you then just resume your career as if nothing ever happened?...


 Does anyone know if there is a place where I can find information for all the Workers Comp Boards?
...


 Student job at college-- 20 hrs a week. Am I eligible for health insurance since it is not under 20hr/wk?
I need health insurance. I am a college student. I may have to take a few semesters off so I can get a job so I can qualify for health insurance benefits. My husband is a business owner and we pay ...


 How many homeowners have been denied claims by NationWide and how do they get away with it??
Several Katrina victims have reported that NationWide, after almost a year, denied their homeowners claims. NationWide knows that they don't have the money to appeal. They really know how to ...


 D. What is the big difference between insurance and a security?
...


 A Week After Bailout: AIG Execs Take A Vacation?
Just six days after sticking taxpayers with an $85 billion bailout, AIG's top executives dropped $500,000 whooping it up at a swanky California beach resort.

Among the charges A...


 Is an advanced payment from insurance company a "use it or lose it" type of money?
Our home was damaged by fire and the insurance gave us a substantial advance payment. I'm wondering if we should be a little more liberal in spending it, or will it simply lower the amount we ...



Macdrizzle
What impact do false fire alarms have on insurance companies?
help please! i'm doing it for a research paper
                     
 




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Hope some of these sites help -
http://www.thenetrisk.com/html/news/archive/firerise240602.html
http://www.thenetrisk.com/html/news/archive/bain171202.html
http://www.usfa.dhs.gov/training/nfa/efop/applied_research/abstracts/tr_02pf.shtm


conds
Rating
maybe email some insurance companies and ask them?


^-^mary^-^
Rating
none


XUSAAAgent
Rating
I would say none (see below). If it happens a lot a particular home, the city/county fire department has been known to charge the owner for this (after 2 false alarms, they may slap you with a fine). The insurance company is not likely to pay for it, and if by some miracle they did, your rates would go up. Most insurance companies charge rates based on their own experience in the area, or they may even use statistics compiled by a service. As a false alarm is likely not covered, and in fact nothing has happened, it should not affect the insurance company.

It is possible in some areas though. Some area fire departments charge a surcharge for responding to fires, and the insurance contract covers that up to $500. This is not all that common anymore, but it could affect rates maybe 1-2% in those areas, but that is being generous. The insurance company would have to prove it when they submit their rates to the state boards for approval.


mbrcatz
Rating
None, unless the fire alarms set off automatic sprinklers, in which case the water damage causes claims.


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