 Why is it that all americans can not have health insurance? |
| http://www.msnbc.msn.com I was reading this and thought I should ask this question. I know it's a big money maker with the HMO's. But why is this not being changed?... |
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 I am 25 years old, and I work as an insurance sales rep... Is my pay to low? Am I being cheated? |
| I only get paid $9.00/hr, I am supposed to work 40 hours a week, but due to being a single mother, and having 2 sick kids, I average about 30-35..... I used up all my paid sick days in the 1st month ... |
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 Having a baby with no medical insurance? |
About a month and a half ago I got a new job as a temp-hire. It can take 3 months to 2 years to get hired on. Last week I found out that I'm pregnant; I have no medical benefits at all.
... |
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 What should I look for or be wary of when choosing life insurance policies? |
| What is this about critical illness? I am in my 20s and no significant medical history, but there is a family history of heart disease and late onset diabetes.... |
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 I have a medical bill I don't think I should pay. |
| Almost a year ago I had a medical procedure which required a biopsy. The biopsied tissue was sent to the pathology lab. Without my knowledge or the knowledge of the doctor who took the biopsy, the ... |
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 Why is health insurance so incredibly expensive? |
I am 32 years old with high blood pressure and obesity. I just started a new job (a small employer- only 3-4 employees), and we all desperately need health insurance.
Kaiser wants to ... |
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| Are insurance policies on loans and credit cards todays biggest financial scam? |
| I just realised the insurance I pay on one of my credit cards actually covers them all, that the loan protection is a ridiculously over-inflated one, lumped onto my loan so that I pay more interest, ... |
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 Why is there no animal/pet insurance? |
Sending a pet to a veterinarian can cost lots of money and there is no insurance for pets. My dog had surgery done and it cost about $2000!! Plus he needed some meds too.. another $100/month.
D... |
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 Who's a good Life insurance company? |
| I'm looking for Life Insurance Company that doesn't require health exam for my husband. He's a tabacco user "Copenhagen Long-cut but a non-smoker". We are looking to get a ... |
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 What do I need to know about buying life insurance? |
Additional Details
How do you know if an agent is reputable?... |
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 Term Life Insurance vs. Whole Life Insurance?? |
| I have heard many arguments, can you guys give me some input please? I have been told that whole life is a ripoff, but I need some examples. T... |
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 My mother just passed away with a 300,000 life insurance policy? |
I am the beneficiary and live in massachusetts... will i have to pay taxes on this money?
also, any investment ideas i should think about with this money?... |
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 How can I insure a bright future for myself when i am only a kid? |
| I'm in middle school and wondering how can i get that dream job that pays a lot or that big scholarship. Want to know whats really out there in the world when i leave the providing guardians and ... |
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 Can an apartment complex require you to have renters insurance before renewing your lease? |
| My apartment complex is requiring us to have renters insurance before we can renew our leases. Is this legal?... |
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Eddy J | Whats the point of Third Party Insurance? |
Why do insurance companies in the UK try to sell off temptingly cheap third party insurance policies to customers even if they have expensive cars? Are they trying to tempt you to take a risk incase you crash the car thats say 'your fault' to save them a payout?
At the end of the day, there should be no reason really for insurance companies to overcharge someone who has a cheap car, with a fully comprehensive insurance policy because the cost of replacing this 'cheap car' will be next to nothing anyway.
Recently I crashed a very expensive car into a country wall and lost £7000 - which was the value of the car, totally written off.
I paid Churchill insurance company a very expensive third party premium, stupidly, and the happily too the money off me because the fully comprehensive price was just way too expensive.
Now surprise surprise they don't want to know, and am left paying off the loan on a car for the next 10 years which i haven't even got.
I'm stupid - but got tempted. |
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jed slade
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You know the christmas parties the insurance companies have at the end of the year,well your premiums pay for the drinks,just like the advert on TV.It is a well known fact that motor insurance is a massive rip off,its the same with the fuel companies,they are losing money on petrol profits because of the switch to diesel engined cars,which are cleaner,greener and more economic, and so they put the price of DERV up to compensate ,even though it is cheaper to produce.THE MOTORISTS IS THE ONLY CREATURE ON EARTH THAT IS BEING PERMANENTLY RAPED ROTTEN. |
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taxed till i die,
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It pays for death or injury to third parties.Passengers,or other road users. |
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Bren
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third party insurance pays if u hit another car or person, its the minimum by law u can have, if u choose not to have comprehensive then its up to u but then u r not covered for any damage u do yourself as u have found out. |
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NotEckyBoy
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I agree they should make it plain that if you are buying the car with borrowed money, third party insurance is inappropriate.
I'm sorry that you have been caught out like this.
But look on the bright side and I am not trying to be funny. You wrote off a car and you are still here to tell the tale. |
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Dan
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Yes that would be the reason. It makes them more richer. |
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welcome news
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The minimum cover required to drive in this country is third party only.
I assume you must have read the cover and limitations before you bought the plicy and you therefore have no cause to complain.
If you did not understand the cover provided then why did you buy the policy - do you make a habit of buying things you don't understand just because they are cheap?
Sorry your lesson was so expensive - next time go to an expert - an Insurance Broker.
Remember the saw 'He who acts as his own lawyer has a fool for a client"? |
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Mike M
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The third party cover is a legal requirement to pay for the wall you drove into!
not taking fully comp is a risk you as the person taking out the insurance need to make. You are the first person not the third - damage to you and your property (car) are not covered.
what did you think the difference was?
was is miss sold to you - if so you have the potential for a claim against the firm than sold you the policy.
even if the accident was not your fault they would not have paid you - you would need to claim off the other party.
very rich people only go for third party insurance as the cost of replacing a car can be cheeper than replacing the car in the long term.
while the car may be written off in insurance terms - you may well be able to get it repaired and back on the road - better something than nothing?? |
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NIGEL D
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third party covers only the person you have an accident witth-------- not you or your car |
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motorrobin
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its there to cover other road users and if you get sued by the city for damage to thier street furniture |
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glencat67
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well by law you need to have a least third party cover by law. it would have been your decision on what cover you wanted. and i am completely surprised that whoever gave you the loan for the car did not insist you have fully comprehensive. unless you didnt tell them your loan was for a car. insurance is not always about how cheap it is its the cover and service you get from them. most car insurance companies make a loss every year especially churchill on the income from premiums and the amount they pay out on claims |
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sailor
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It pays for the damage that you do to others, as you crash into walls you could just as easy kill or injure someone. |
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r doug w
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Yes, I've got to agree with you, you're stupid, were you being a 'poser' by having a very expensive car, third party, at least the wall that jumped out in front of you will be repaired, and why should Churchill be interested in your uninsured car, they're 'expensive' fully comp. dosen't sound so expensive now.... |
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careatker
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if im full comp and i lend my car to someone who has insurance with there own car and they have an accident do i have to pay for my car repairing or am i covered on my insurance |
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hopeless
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If i insure my car 3rd party only (due to its low value) if it get s a biff and is deemed to be written off, do I have to do it or does the insurance company take care of it. BUT if I have to do it , won't that cost amd therfore would it not be worth while insuring it fully comp in the first place and the Ins comp; to do the writing off ? |
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