 My car was hit by an uninsured in a stolen car while parked at a friends house...? |
| Would the homeowners policy pay for damages to my vehicle while parked in the driveway? There is no insurance on the girl driving the stolen car and the policy on that car has already denied my claim ... |
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 Since insurance is required by law, why do they do a credit check? |
Insurance companies then can raise rates, or decline business because of the rating. Or lack of one, as with young people starting out.
I understand for a loan or mortgage, but not ... |
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 Who should pay for the lab fee for my medical examination? |
| Last October I took an immigration physical examination as a part of the "Green Card" application. The physician asked me,if I would like a general check-up with the blood sample he has. He ... |
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 What a choice? |
| Should I pay for the ticket for speeding, should I pay for insurance or should I save it to go toward my first auto payment?... |
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 Will my insurance cover my wrecked vehicle? |
| I slid off the road and slammed into a wall this morning. I drove home and didnt make a police report. Will my full coverage insurance cover me anyway?... |
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 How much is required down to open a homeowners insurance policy? |
| I am getting ready to buy a house and I am getting ready to switch my car insurance into my own name from my parents. I have to add homeowner insurance on to the policy. If I stay with the same ... |
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 Can I buy a 2nd life insurance policy? |
| I have a $150,000 life insurance with my employer, can I buy a 2nd separate policy from a different company? Will my beneficiary receive the amount of both policy?... |
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 We have a older camper trailer that we pull behind a pickup.? |
| Do we have to carry insurance on it like we do our vehicle?... |
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 What would I have to do to become a insurance agent? ? |
| I am looking into changing careers and was wondering how to get into say state farm, allstate, nationwide etc as a insurance agent? Do you need collage? Take there course?... |
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 Am I being followed by work comp? |
| I have a neck injury and shoulder injury from work. How do I know if WC has PI survellience? I am not doing anything wrong, but the idea is bugging me. Any hints to the honest injured person in ... |
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 What options do I have for maternity insurance? |
| Assuming any future births will have to be c-sections...how much can I expect to pay, what sort of waiting periods are there, what's the best deal?... |
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 What sort of homeowners insurance do I get on a house that I buy to refurbish but not live in? Is cost high? |
| I am considering buying a house to flip, but I will put it an LLC. I need to find out if the insurance on the house will be reasonably priced. I won't be living in the house but will be there ... |
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 Would this be a pre-existing condition for insurance? |
| Ok, about a month ago i had a sore throat and went to the doctor. He told diagnosed me with rhinitis which is the sinus leaking into the throat causing irritation. Took the medicine and it went away. ... |
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 If your insurance says they won't cover something, is there any way around it? |
Do appeals really work? Will a note from the doc saying it's "medically neccessary" help?? Thanks!
Additional Details
Adding more details to clarify.. my son (2 years ... |
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 AIG wants more money.? |
Twice the government has given them money and both times they have taken spa trips for Execs.
Is it time to say sorry AIG the tit has run dry.... |
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 Can I use two different dental insurances? |
| I have Blue Cross Blue Shield and it covers dental as well as health, then I also have Delta Dental which is dental insurance only. Can I double up on insurance to save me some money?... |
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Innosent | Whats the point of a million dollar insurance policy? |
I don't get why people get it. It just causes more prblms. They say, "honey I got a million dollar insurance policy" and then the spouse can't wait so they end up dead.
Additional Details
Im not risking it. There's so many gold diggas out there |
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Just Me
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LOL.. sorry..that is fairly funny! There is plenty of reasons to have that large of an insurance policy. Some have many children, or a lot of debt, so if something should happen to them, they need their family to be taken care of.
Do people get killed for insurance money?...sure...but I don't think it is as common as you think. :) |
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Predatorprey
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You watch too much tv. It is very rare that murders take place for the insurance policy.
The point of it is what happens if you the primary bread earner dies?
By accident or by natural causes.
Any responsible person wants to have their family taken care of in case of such things happening |
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Ithyphallic
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It's compensation and protection for your family.
Let's say you get a million dollar policy. You and your family live fairly well, you have a nice house, live in a pretty nice neighborhood, you have a mortgage, car payments, kids, your living the American dream basically. Let's say within the few years you get this policy, your involved in a car accident and you pass away. Now, your wife is a stay at home mom who cares for your two children. She has no job. You've saved money sure, but not NEARLY enough to pay for the things required. This million dollar policy will help cover things you guys payed for, but because your income is now non-existent, normally wouldn't have been without it. It will help prevent house forclosure for your family, keep your utilities running, and help pay for your cars. All it does is help cover the absence your partner has in case of an untimely demise. |
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oxnardflootsnoot
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You over-estimate the value of $1 million.
If you invest $1 million and earn 5% interest (and where's that right now?), it's only worth $50,000/yr., taxable.
The real financial risk at death is the income lost to survivors. If you won $1 million in a lottery you'd be rich because you're still able to work. If you were offered $1 million to never work another day in your life, you're not even upper middle class, especially after inflation eats away that $50,000/yr.
If your spouse couldn't wait for you to be dead with $1 million in life insurance, maybe it's not just for the money? :-) |
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Mr. Prefect
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If you have a lot of property, many children, lots of money, or a lot of debt, then you might consider a million dollar policy. The idea is to protect those you care about if something happens to you, and there is no one else that brings home the bacon. |
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mbrcatz
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Like any insurance, you need to decide if you have a NEED for it.
If I, for example, had a child a year, and had 10 kids under 10, I would likely need to have a million dollar policy so my husband could hire a housekeeper and several nannies, until the kids were grown and out of the house, if I kicked off tomorrow.
I don't have that many kids, though, and they ARE growing up, so the ACTUAL insurance need for our family is quite a bit less - we've decided on $250,000. Plus, we buy term, and invest the difference - by the time our term policy is "over", we will be able to "self insure" off our investments. |
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