 How can I fight a bogus workman's comp claim? |
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 Anyone recommend a good life or health insurance company to work for? |
| I am 22 and have been sellling lawyer malpractice insurance. My brother has been doing real well selling health insurance but I can't get on with them. I don't have a college degree, any ... |
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| I bought HMO medical insurance through my employer. I went to see a doctor without appoiting a PCP. My insurance company refused to pay my bill because of that. I cannot select one now either because ... |
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 How long after an ER visit can the hospital can a hospital send new bills? |
Hello,
I had an ER visit in 3/2/08 without insurance. I was seen by a triage nurse and discharged. I was told that my bill would be available the following monday. I called the next monday ... |
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 Life insurance, Help!? |
| I am interested in getting life insurance, now I know that whole life is generally better. But what I'm confused about is just the general concept. Say I purchase a $10,000 policy. And I pay on ... |
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| I've nearly been driving a year and will shortly renew my insurance with one years no claims to my name, just curious as to how much peoples insurance dropped after the first year of no claims? ... |
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 Should I try to sue this insurance company? |
| My son was hit by a car while riding his bike. He had an injury to his knee. Nothing serious. Has to wear a brace and use crutches for a couple of weeks.The woman who hit him was very nice and ... |
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 How can I go get a dental check up without insurance.? |
| I have a white patch on my gum that im worried about and need to see a dentist asap but have know insurance, can someone please lead me in the right direction.... |
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 How does life insurance work? |
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| I will be the beneficiary of my husband's life insurance policy, but should I also be the owner? Or should he own it? I'm thinking if we should happen to get divorced somewhere down the ... |
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 Do employers usually fire employees that visit doctors too often (due to the high medical costs )? |
I am originally from Italy and I do not fully understand how health insurance works when it comes to the employer.
When you visit the doctor; does the company that you work for also pay for the ... |
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| I have already visited the Medicare.gov website but it is very complicated to read and understand. Thanks for your help!... |
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 My father is not in the best health and needs health insurance and life insurance, how can I help with this? |
| He is in his late 50s and has not been taking good care of himslef. He has high blood pressure, but does not keep up with his doctor appointments. He lives with my sister and her husband, but they ... |
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 What's the point of having medical insurance you can't use? |
| I have Medicare & Medicaid, & I always have a hard time getting my prescriptions filled because Medicaid always tries to make Medicare pay for it, & then I have to pay out of pocket for ... |
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| I'm looking for health insurance I CAN AFFORD!? |
I'm 23, Female, Single, residing in the state of Minnesota. My job does not offer health insurance and I NEED health insurance!! Does anyone know of any alternatives I could seek?
I ... |
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 National insurance number? |
Heyy!
am 15 but am 16 in a week
i dont know if am gettin a national insurance number cause my friends birthday is in october and she got hers over the summer.... |
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 If I incorporate my small business, can I buy health insurance that will cover a pre-existing condition? |
| I really want to start my own business, but can't leave my job because I need the health insurance. Although I can buy private insurance, it won't cover pre-existing conditions. I have ... |
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JL | What is the best way to go about getting homeowners insurance quotes? |
I want to shop wisely without wasting a lot of time and dinging my credit any suggestions |
 |
 
View from a horse
|
Check with an independent agent who can shop several companies with only one credit inquiry. The inquiry itself is not a worry, it's called a 'soft inquiry,' which means it doesn't show up except to you yourself.
An independent agent is not beholden to any company and is your best opportunity to compare different companies. Different ones have different underwriting guidelines, so what is a desired risk to one may not be to another. Independent agents know the guides for each of their companies, and usually will give you choices between two or three good offers. |
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Paul K
 |
Talk to an independent agent. They will have access to several different markets. Most independent agents will have access to 3-6 companies. Direct writers like Allstate, State Farm and Nationwide only have one company. You don't necessarily want the cheapest homeowners policy. You want a policy that provides the most coverage at an affordable price. When you bought your house, did you buy the cheapest house available? You probably bought the best house with the best floor plan in your price range. Use that same mindset when buying insurance.
Getting multiple quotes won't hurt your credit at all. Having a good credit score can help you get better pricing. |
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Dubberino
|
First of all, don't "shop" for homeowners. If you are like most folks your home is your biggest asset. It's not like your cars... DO NOT go for the cheapest option. Cheap insurance pays cheap claims. Look for quality, financially sound companies. Stay away from "captive" agents who only represent one company as they can't provide objective advice. My personal recommendations are AMICA, USAA, Chubb or Fireman's Fund. These companies are known for settling claims fairly and promptly and their rates correspond to the services they offer. |
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Lovely unicorn
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Shop on line and know the estimated value of your things. |
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mbrcatz
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Insurance quotes don't ding your credit - they don't "count".
The BEST way is to contact two local, independent agents, get the names of the companies they represent, and request 3-6 quotes from EACH of them, being sure they're not duplicating companies.
You won't get the Allstate, STate Farm, or Nationwide quote out of them, though, because they ONLY write with their own agents. If you want THOSE quotes, you'll have to go to each of those offices. Which WILL be a waste of time. |
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CaseyAngelEyes
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You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than ½ after I did.
Go to: http://www.insureme.com/landing.aspx?Refby=616162&Type=home
Take care,
Casey |
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