 Can you buy legal insurance to help you in case you get sued? |
| I am starting a small business and know there are risks of getting sued for crazy reasons. Please share any details! THANKS!... |
|
 Life insurance question? |
| My parents are divorced and my dad is trying to get life insurance for himself. He says he needs my brother's and my information like SSN and birth certificates. Does he need them? My mom doesn&#... |
|
 Is this how insurance companies work? |
| My daughter had her unattended legally parked car hit and totaled out by a drunk driver with no insurance in a stolen car. The owner of the car had no insurance and both of these people are in jail ... |
|
 Auto Insurance - Uninsured/Underinsured? |
| I have auto insurance coverage. I understand the various coverages included in the current policy. 1)Liability a)Bodily Injury b)Property Damage 2)Personal Injury Protection (madatory in MN) 3)C... |
|
 My dad is 67 and wants to get a 1 year term insurance. Are there any companies that are reasonable? |
67 Years Old
$250,000 face value
1 Year Term
Additional Details
No, he is in great health, its to satisfy my Mother because he wants to work for another year. So basically he ... |
|
 When is it good to cash out a universal policy and replace it with term.? |
| I have had a universal policy for a long time and have just been enlightened about term vrs universal/whole life. The cash value is at 14,000 (which I could really use some now), I'm 40 with a ... |
|
 How can I convince insurers that I'm low risk? |
| I'm under 25, haven't had my drivers licence for long and started working at the beginning of this year. The vehicle insurance qoutes that I get are almost double the instalment of the car.... |
|
 Car theft...would it be reporting this(read on)? |
My sister in law is 17 and had her car stolen last night
also can you beleive the police want paying to find it?!?!
If she claims on the insurance(as it was only a cheap little runner) ... |
|
 Cash Value Life Insurance, Is there a value? |
| A friend of mine recommended me to an investment group who deals in all areas of insurance, mutual funds, money markets, etc. I met with them to discuss savings options and they immediately jumped ... |
|
 How can I find out if the previous owners of my house covered up a fire? |
| We discovered a leak in our kitchen ceiling. When we took the sheet rock down, we discovered evidence of fire in the beams. The previous ownes did not disclose this information. What options do we ... |
|
 Can you pay insurance deductible with a credit? |
| can you pay insurance deductible with a credit?... |
|
 Fire insurance, any one know if it covers the san diego fires? |
| after seeing the distruction of the current wild fires here in San Diego I am considering getting renters insurance for my apartment to cover my belongings. I told a friend this and he said that the ... |
|
 Can you lie about smoking/non on a health insurance application? |
| So many people say "check non" but it seems so easy to get caught.... |
|
 HELP FRAUD!!!I found out today that someone has been using my social security number to get insurance!!!? |
| I originally wasn't going to get insurance with my company then i did, but didn't recieve a card. the benefits manager called me back with this info, i faxed her my social security number ... |
|
 Health Insurance Gap? |
| okay, so i turn 19 in may and then i can no longer use the insurance my dad gets through his work. my new insurance through my employer doesn't kick in until i've been there six months. so, ... |
|
|  |
joeydenali2 | What is the best deductible for car insurance? |
|
 |
 
mountain lady
 |
It all depends on what you can afford to lose. The point of insurance is that you believe it is safer for you to pay a monthly amount you can afford instead of being forced to pay some huge amount you can't afford in case of an accident.
So the way to look at deductibles is to compare three situations (assume you have a $1,000 deductible) and ask yourself how you would feel about them.
#1: You are in an accident. The part of the damage you have to pay for is $1,005. The insurance covers $5, you pay the $1,000.
#2: You are in another accident. Your part of the damage is $5,000. You still pay $1,000, the insurance pays $4,000.
#3: Third accident: Damage is $100,000. You still pay only $1,000, the insurance pays the rest.
How do you feel about these examples? Can you afford to go through all of them? What is your safety experience? Have you driven accident-free for many years and you can afford to risk self-insuring the "stupid driver risk"?
That's the way to figure it out. There is no single answer for everyone. |
|
vsweety
 |
None or whatever you can afford if any emergency were to occur. |
|
SJ
|
You will save a lot if you can do a $1000 deductible & drive safely. |
|
Treadstone
|
It depends on how much savings you have. I'd suggest starting w/ a $500 or $1000 deductible. Ask your agent to run a comparison & see how much you'd save on the premiums.
Generally, you will save more the higher your deductible is.
The other thing to consider is your car. If it's a nice car that's expensive to repair then you might want to carry a lower deductible since a simple fender bender can be costly. |
|
wish-u-knu
|
Well, I think I like answer #3 best here. We had an accident a little over a year ago and had a $1,000 deductable and had to borrow the money to pay that part, unfortuantely. And we still don't have it back yet. (the kid has to pay the insurance company first, he was uninsured) You have to go with what is best for you. Just make sure you have plenty of coverage and note that a lot of loans make you have no more than $500. I would NOT go under $100/300 coverage with a min of $5,000 medical. Check your uni/ui coverage limits as well. If you own a home or boat, maybe you should check into umbrella coverage, not expensive, just a few bucks extra. You may think these things are dumb and excessive but if you ever have to use them like we did, it will pay off. Remember with insurance, the same holds true, you get what you pay for. |
|
dummy1 d
 |
The Best Car insurance is Tata Insurance
Bajaj Insurance Benifits
Bajaj Insurance gives the Motor Cycle Insurance
at low monthly EMI Settlemants
All types of car,lorry,van and all other heavy vehicles Insurance also present in Bajaj alliance
Insurance scheme and more Details
please visit www.theonlyinsurance.com |
|
mbrcatz
 |
Whatever you can afford. If $250 would strain your pocketbook, take the $250. If you can afford $1,000, take the thousand. If you can afford to replace the car without effort, don't carry physical damage. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
7 | 19 minutes(s) ago
| | | |
7 | 48 minutes(s) ago
| | | |
7 | 3 hour(s) ago
| | | |
7 | 4 hour(s) ago
| | | |
7 | 8 hour(s) ago
| | | |
7 | 11 hour(s) ago
| | | |
7 | 1 day(s) ago
| | | |
7 | 4 day(s) ago
| | | |
7 | 2 week(s) ago
| | | |
7 | 1 month(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
