 I have health insurance and my wife doesn't and we are having a baby how those insurance work? |
| i have health insurance through my job and my wife is supposedly not eligible because she those not have a social security number regarding my child, how those it work? can she receive anything ... |
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 Endowment policy advice needed? |
| I have an endowment policy that is due to mature in 2013. There is no mortgage linked to this policy and I have been using it as a savings plan. The life insurance element of the policy is no good ... |
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 What is it when a person is bonded and how does someone become bonded ? also how much does it cost? |
CAN A INDIVIDUAL BECOME BONDED FOR DOING ODD JOBS? FOR HELPING PEOPLE OR BUSINESSES WITH VARIOUS ODD JOBS. SOME DAILY , SOME WEEKLY JOBS
OR TASKS BUT ALL TEMPORARY .
BONDED AGAINST THEFT <... |
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 Do you really need health insurance? |
| I've been wanting to get some for my kids, but i've been researching it and it seems as though health insurance is really just in case something huge happens like u need 20,000 surgery or a ... |
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 Insurance and Lawsuit question? |
| there is a trucking company with a million dollar liability policy, and a car makes an illegal u-turn in front of this trucking company's truck. the trucking company and the driver are decided ... |
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 Question about Medical payment for rear end accident (someone hit the car I was in)? |
| We were rear-ended at a red light back in Feb. Police was called and a report filed. I ended up going to see a Chiropractor from Feb - May for treatment for my neck. The bill is close to $2000. The ... |
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 Health insurace sales pain the neck people!!!!!!!!???? |
DO THEY ANNOY THE LIVING *BLEEP* OUT OF YOU???
I HAD AMERICAN LIFE RING ME UP YESTERDAY AND DIDNT ACTUALLY GIVE ME A CHANCE TO SAY NO I DIDNT WANT IT, HE JUST WENT ON AND ON AND ON FOR 10MINS, AN... |
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 Insurance Adjuster? |
| My husband is going to get his insurance adjusters licsense. I was wondering, from anybody who has experiance in this field, what he can expect to bring home. He knows of a couple people who have ... |
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 I need to find a new health insurance for a family of four? |
| I need to find a new health insurance for my family of four. One with a low premium and (preferably ) without a deductible. We are in Michigan and everything I look @ is so high. But I need one fast ... |
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 What happens if a stolen vehicle is found after you collect from insurance? |
| What happens in a situation if you have a stolen vehicle and time goes by and it hasn't been recovered. You collect money from your insurance company for you loss and spend that money on ... |
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 Can I liquify a Life Insurance policy? |
| I don't even know why I have this policy. The premiums are steep. It seems to be part of my portfolio. I don't want to make the premiums anymore. What will happen if I don't ... |
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 What do you do when someone forges your name on a life insurance policy? ? |
| My mother-n-law is constantly forging my husband's name and charging things, etc. She's already forged checks and opened accounts that we've had to take care of. It's gotten so ... |
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 How do I get the insurance company to believe I a really in pain? |
| I have a worker's comp injury where I fell down cement stairs, out cold, awoke in ambulance. Have 3 disc bulges and whip lash type injury. I now suffer with extreme headaches. I have FCE Tues ... |
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 Do bars only take responsibility for injuries not covered by the person who hit you's insurance company? |
Additional Details
Ok, my husband and I were hit very hard by a drunk driver. Her and her friend in the car named the bar they were at (we got hit 2 blocks from the bar) and it's ... |
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 Does workers comp cover former employees? |
| I was injured at work two months before I was fired and I am currently dealing with a hospital bill that won't go away. I don't have the money to pay for it. I've been calling my ... |
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 Health insurance? |
| i'm tryna find a good company to go through to get health insurance. do any of you know a good company to use for a decent price?... |
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 Buying individual medical insurance? |
| How much money does it cost to buy and indiviual medical insurance policy? I live in the state of New Jersey. What are some names of insurance companies that I could buy and individual medical ... |
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KayKay | Who buys earthquake insurance? Is it wise to do so? |
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dimples_in_nj
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I have a bad taste in my mouth about earthquake insurance given experiences I had during the Northridge Quake . I will try to keep it out of this conversation.
Historically, California has a large earthquake every 15-25 years or so. As a result, those impacted with house damages and deaths find some type of remedy through FEMA, Red Cross donations and/or other charities or agencies. The Earthquake insurance normally wont kick in until all the above payments have exhausted anyway.
In my personal opinion the best thing to do is retain the risk yourself. An eathquake can demolish everything and really is no different then a war which is also not standardly covered.
Frankly, if I was really concerned about earthquakes I would move to Florida. |
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John
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Do you live in California or in another place with frequent earthquakes. I live in California but I don't have earthquake insurance. After the Northridge earthquake the insurance companies dragged their feet and eventually only had to give people pennies on the dollar thanks to our butthead insurance commissioner. If you live in California and decide to buy insurance make sure the company sells insurance in other parts of the country. If their customers are primarily in California then they will suffer a big lose with a major California earthquake. |
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Sue
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Many people buy earthquake insurance. If you don't, you don't have coverage. I am in the northeast & an earthquake in my town made a house slip off the foundation & totalled it. If she had earthquake insurance the deductible would have been 5%, but you know, she would have gotten paid for 95% of her house (up to her dwelling limit) instead of 0% of her house. Talk it over with your agent, find out if you are on a faultline (there is a pretty big one up the Connecticut River in New England) & I have felt tremors in 2 states where I have lived that have caused damages.
We sell earthquake insurance more than you would think, probably 25% of our clients purchase it. |
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mbrcatz
 |
Just like any other insurance coverage, the main benefit of earthquake coverage is PEACE OF MIND. Just like any other coverage, you need to look at the cost factor vs. the worry factor, and your personal financial situation, and location, LOL, and make a decision.
There's such a thing as being insurance poor - spending TOO much money on insurance. So you have to pick and choose what's most important to you. |
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Bradley S
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I strongly recommend getting earthquake insurance, no matter where you live. Earthquakes powerful enough to be felt by people have occurred in 40 of the 50 states, according to the United States Geological Survey. Not surprisingly, Alaska, California, and Hawaii lead the nation in frequency and size of earthquakes, but other states have significant numbers of quakes as well. For example, New York had 25 perceptible earthquakes from 2005 to 2007. Maine had 12, and Tennessee had 10. From Florida (2) to Washington (18), America is earthquake country.
The chances of a major earthquake may be small, but the risks to your finances are huge. Should your home be badly damaged, your home value will go down, meaning you will not have home equity to draw on to pay to repairing or rebuilding. Your regular homeowners insurance will not pay for earthquake damage to the structure or belongings due to shaking (but will pay for fire damage and water damage from burst pipes). In California, limited dwelling protection is available through "mini-policies" backed the California Earthquake Authority (CEA), a governmental agency. These will pay for damage to your home, but not non-essential structures such as swimming pools. |
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Joelanda P
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I've lived in California my whole life and have become accustomed to the occasional earth shaking moments. I don't agree with buying earthquake insurance because the deductibles are outrageous. The insurance will not pay their portion until you pay approximately 10% of the value of your home. So if you have a 500,00 home you have to pay the first 50,000 before you get what you put in. I would rather put the money aside in savings instead of the insurances playing monopoly with my money. You could wait forever for the great big one!!!! But, not at my expense :) |
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