 How old must a person be before their legal guardian is no longer responsible for their actions? |
| My Great Nephew is 18 years old. He has lived at his girlfriends home for the past six months. His Great-Grandfather is his legal guardian. My nephew was in another auto accident, his third in the ... |
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 Will my car insurance pay for surgical weight loss surgery? |
| i live in michigan and have no fault benefits. i was involved in a car accident 2 years ago and lost my leg resulting in weight gain and need to stabilize my weight to wear prostheis. my doctor ... |
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 Life insurance? |
| I have been paying X amount into a life insurance policy for nearly ten years and want to stop paying for it ,can i get any money back what i have already ... |
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 D oyou think kids need cell phones? |
| well yeah if there going some where but not to do any thing with ... |
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 I got a great quote for life insurance by mail from Globe LIfe And Accident Insurance. Is a legit company? |
Additional Details
I noticed there is not number where i could reach them. What is their telephone number?... |
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 I have no health insurance and I landed in the ICU. I have 30K in bills. Can I get public med. assistance? |
| Another prolem: I stayed at a hospital in Massachusetts and I live in NY. Is there some kind of public/out-of-state medical assistance I can get to help pay for these bills?... |
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| After a taxi taking a U turn collided with my car - I have been offered £450 by my insurer - should I decline? |
| the insurance is comprehensive & and the alternative would have been a total write off. I need a car as I am partly disabled and unable to walk far, to even catch a bus.... |
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 Checking ATM Camera in a 7-11? |
| My brother got his wallet stolen at a party, and he knows who did it, they took out money at a 7-11 down the street, and 7-11 wasnt taping at the time, but the atms themselves have cameras dont they? ... |
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 If I have 20 gold bars, where is the best place to hide them? |
Additional Details
My address is 7902 S. Hamton street, you'll have to figure out the state and ... |
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 If I bought Life insurance for myself today and I died tomorrow, would my family receive the Insurance money? |
| If I bought Life insurance for myself today and I died tomorrow by some freak accident, heart attack or etc., would my beneficiary receive the Insurance money? How does insurance work would I have to ... |
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 Who pays for the home insurance when you let your house? |
I ask this question on behalf of my friend, who lives in Malaysia. He wants to know what the law in England will be in this case.
My friend is gonna let his house to another, so that he ... |
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 Can you collect on a life insurance policy after suicide? |
| A friend just killed himself and I'm wondering if his wife will be able to collect o his poicy. I've heard the insurance copmpany can void a policy in the first 2 years. But he has had his ... |
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 Does anyone know the best way to get health insurance if you are self employed.? |
| I am self employed and never even thought about health insurance. I would be very grateful for some advice on how I can get this started, where to begin or if someone knows of companies that are good ... |
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 Insurance: Huge scam. Agree or Disagree? |
| A friend of mine used to work for an insurance company, so I heard a lot of "things". You HAVE to buy insurance in most cases (car, home, etc) but if any claims are even made, they either ... |
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 My parents bought me whole life insurence, when I was in high school. Should I keep it or cash it in? |
| I am now 32, married, one child. My wife and I recently got term life for 20 years. The whole life policy premium is $81.45 / quarter ($325.80/ yr). Policy is 15 years old and has a cash value of $... |
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Tim | Why do people get refused home insurance? |
Whenever you get a home insurance quote it asks you if you have ever been refused insurance. Why would that happen? And if it does, does it count against you for the rest of your life? Are there any insurers willing to insure such people? |
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Marlboro Man
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Bad credit rating, or living in a dodgy area maybe? |
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Tapestry6
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Insurance companies are in the business of making money. They are not a non profit organization. If a person has sued an insurance company or made a lot of claims they would most likely be refused home owner insurance. But there are always alternatives its just that they cost more. |
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welcome news
 |
There are two aspects of insurance: physical hazard and moral hazard.
Physical Hazard - you live in an area that the insurance company won't cover per se - e.g. an inner city area without adequate security, a flood plain or the house is a non-standard construction e.g. thatch roof that again the insurance company won't cover. There is not much of a problem if an insurer won't cover you because of those factors as other's will.
Moral Hazard - This could include previous criminal convictions, fraudulent claims, certain occupations. Anything involving moral turpitude would involve a specialist insurance broker but cover is available.
Claims: A poor claims history with no evidence of trying to reduce future exposure is also a problem.
In theory you would have to disclose the fact that insurance has been refused for ever (worse than criminal convictions - at least under the rehabilitation of offenders act certain convictions are spent after a time).
As you may expect having had an insurance policy cancelled is worse than having had insurance refused iff the only reason why the insurance was refused was standard underwriting criteria.
You won't be able to get quotes online if you have had insurance refused but a local insurance broker should be able to fit you up. If you contact BIBA (their organisation) they can put you in touch with a local firm. |
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Big John
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High risk,excessive or fraudulent claims. |
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Huge
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Insurers refuse people who are high risk or in high risk areas. They may also refuse people who have claimed excessively or been found guilty of dishonesty/theft. It could well be something that stays with you if you do not move to a safer/better area |
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dale w
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if your house is in a flood zone where floods happen offten(as it will cost them money) or in a known tornatdo zone, and so on, yer their are companys for insuring them, but they cost more! |
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Lisa
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depends what area you live in, if its prone to floods etc
It can also depend on what pets you have if any
For example i own a Siberian husky who are prone to destructive behaviour, so getting home insurance for me was a nightmare! |
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skylarksue
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companies have a list of "acceptable" risks. if your home is located in a flood zone, bad neighborhood, you have the wrong breed of dog, have a trampoline..etc they reserve the right to say no to you. but there are companies out there that will insure you. it may not be cheap depending on what kind of "risk" you have. your state web page has a list of property and casualty insurers that are active for business in your state. |
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Ken M
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some companies will refuse to insure a home that is heated by wood alone or coal because these heating systems are high risk if not used properly. Usually if an oil or electric system is put in the dwelling then they can be insured. |
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william l
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some ppl do the dirt on insurance companies like claiming all the time so other insurancies dont want to fall for it too but i do believe there are other insurancies out there that would insure ur homes and other things |
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sonya
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maybe its because they have made a fraudulent claim. |
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hershey highway road thug
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Sometimes people get refused if they were formally asked to leave their previous home because of offensive sexual escapades that disturbed the neighbors too frequently.
It happened to me. We used to have gang bangs and love trains at the house but the neighbors asked us to leave.
We tried to be nice and invited them, but I guess they were too good for us. They weren't even that sexy.
So we left and when we tried to buy another home, the insurance company told us that we had been blacklisted for "extreme freakiness." |
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wonderingstar
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See all those people in those floods last month ?
The ones making expensive claims will be refused next time round. |
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gowri s
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There are may be any problem. |
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