 What insurance company would cover pizza delivery driver?? |
| O.K... I was just offered a job delivering for Papa Johns and I called my insurance company and they said they do not offer "commercial insurance" and they would not cover me. Can anyone ... |
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 No Insurance. Car damaged. Should I call the insurance company? |
OK This is really hurting me because some jerk hit my car in the parking lot ( I don't know when) and when wake up in the morning and see my car it is damaged.
My problem is I don... |
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 State Farm vs. Farmers vs. All State? which is best? |
| I am seriously considering becoming an insurance agent for State Farm, Farmers or All State, but I don't know which company is the best choice for me, I am bilingual in Spanish, so I am looking ... |
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 I was left an insurance policy, how do I find it ? my grandparents passed on, so how do I get it ? |
| My grandfather left an insurance policy in my name, passed on in 1980, and grandma passed 2 months ago. My aunt is an evil catholic who won't send it to me, she wants my mother's address, ... |
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 No ins. have back problem...how can i recieve help? |
| for 13 yrears have had lower back pains...hoped it would go away,wrong...now am unemployed.no ins.dont know what to do?... |
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 Whats a good annual premium for a 50,000 whole life policy? |
| I'm 28 perfect height and weight and don't smoke. No health problems and no family illnesses. Thanks.... |
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 Would it be a good idea for insurers to give a % of income they give out in claims? |
We all look for the cheapest premium, but we have no idea how they would perform if you had to claim.
I heard somewhere that car insurers give out much more that household insurance (or ... |
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 Where can I get a cheap eye exam for contacts? |
| I need an eye exam and my new insurance plan does not cover vision. Where is the cheapest place to get an eye exam?... |
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 Mom didn't sign her life insurance policy. Insurance company reverting to old one. Can I sue? |
| She worked for the federal government and was very sick when she made her beneficiaries. Now they are saying that it is not valid and will pay from an old policy. They are having us fill out a form ... |
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 What insurance company provides the best supplimental coverage for the 65 and over person? |
| I need to obtain Supplemental medical insurance as I am approaching age 65. What is the least problematic way to get necessary information on coverage without dealing with an agent of the companies.... |
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| Medicare insurance: I understand that you can assign your Medicare/Medicaid and eliminate private insurance.? |
One company said itheir policy would eliminate the ~$190/month Blue Cross Blue Shield is charging.
I'm confused.... |
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 If someone is a beneficiary on a life insurance policy and he/she dies, does the policy holder get the money? |
| I know that a policy holder can cash in on their insurance policy, I am just not sure if they can gain anything in the case of his/her beneficiary's death.... |
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 How do you get health insurance if you have a pre existing medical condition? |
| I have a pre existing mental illness that is controlled very well with medication, and I am a productve, very educated, young member of society and otherwise healthy person, and NO insurance will ... |
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 Bank Forced Insurance? |
| My bank has forced flood insurance on my mortgage payment and line of credit cos my neibourhood is consider to be in a flood zone now . Now my mortgage payment and payment of my line of credit is ... |
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 Insurance Settlement is it fair? |
| My wife was in an acident, received hearing loss, weakness, and stiffness injuries. She can not go to movies or concerts because the noise hurts her ears. Her left side has weakenss and she can not ... |
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 Will my homeowners insurance cover this? |
| I left my mac powerbook on the workbench in my garage. When I pulled my motorcycle into the garage, I knocked it off onto the floor and broke the screen. Is this kind of thing covered by most ... |
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 You take out a life insurance policy on someone, they die within days, do you still get the money? |
| I recently learned my mom has a lot of policies on older family members & trying to figure out how it works exactly...... |
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 I was hit while riding my bike by a driver high on meth. He has nothing to his name- am I able to recover $$$ |
| The driver has crappy auto insurance and nothing to his name (he's a meth addict). The DA called to notify me that they will be charging him with DUI as well as Felony Assault. I ended up with ... |
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 I need an insurance plan... any suggestions? |
| I am currently under my husband (he is a Deputy Sheriff in North Carolina), and I am a full-time student. I need a plan with no deductible (I have monthly prescriptions, so I always need to be able ... |
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Band | What is the most ideal auto insurance ratio for a person on a budget? |
I am switching insurance now and I know their are some ratio's like 50/100/50 and such. My wife and I are on a real budget. She does not drive now, so would not be part of the quote at this time, but we don't want to get the lowest just to have a horrible accident and pay so much. What is a good ratio or something to find. I am in my upper 20's if that helps. |
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Rosita
|
The lowest you can go is 25/50 : $25k per person/$50k per accident. Just go with it. If you want added protection, add to it "Full Coverage" it will be less then $100 extra. The only other thing I see would be your deductable. The money you would have to pay out of pocket before the ins. steps in. You have the options of $200 (some ins co.) $500, or $1000. the higher you go the cheaper your payment. I've always gone with $500. But this time around I finally have an emergency fund, so I upped it to $1k. |
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dwp_ins@verizon.net
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When I quote people's insurance I always run several options such as 50/100/50, 100/300/100, 250/500/250, etc. the reason that I do this is because the actual difference in premium in some cases is not that much over a 6 or 12 month period.
If I had to choose a minimum I wouldn't suggest purchasing anything under 100/300/100.
I have written some free articles that I submitted to a site at http://www.InsuranceEasy.org that will help you.
The site is a free consumer insurance site. Click on some of articles located at the bottom of their home page in the sections called "Consumer Learning Center". This should better help you make a informed decision. |
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mbrcatz
 |
That ratio is actually a COVERAGE limit. So, the lower the coverage, the cheaper the insurance. Of course, the lower the coverage, the more likely that you won't have enough insurance to cover the accident, and have to pay a check.
It doesn't matter how old you are. It matters what you're worth, and how much you make, as wages can be attached.
Don't do this yourself - go talk to a local, independent agent. |
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Jihn
 |
50/100/50 is a pretty good place to be. That is relatively what I have and is 50K Bodily Injury(BI) per person, 100K per occurence and 50K Property Damage (PD).
This covers damage to other people and their property (normally their vehicle).
There usually isn't a HUGE difference in premium when you are adjusting your BI/PD limits so if you want to be extra safe you may even see how much more a month it would be to raise those to the next tier that your insurance company offers. You may find that it is only $10 or so more and worth it if you ever caused a bad accident.
Also, minimum limits vary state by state and are a bad idea unless you are choosing between feeding your family and insuring your vehicle for more. It doesn't take long for minimum limits to be exhausted and would leave you holding the bill. |
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