 Hillary Clinton health plan? |
| Okay, well I like Hillary Clinton, and I would vote for her, but I have a question about her health plan. If I get married my boyfriend, he has benefits to cover the family, so I could stay home with ... |
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 I got pick pocketed, will my house insurance cover the theft of my phone? |
Someone stole my phone out of my pocket. Will my house insurance cover it or will the excess charge be too high for it to be worth making a claim.
And I know I shouldn't leave my phone on ... |
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 Hi i was woundering if my husband gives life insurance to his misstress and her 2 kids instead of me,my child? |
| do they get it or can the judge go ahead and give it to me and my daughter i was wanting to know what to exspect?... |
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 What do I do if my insurance does not want to cover my car? |
| I was in a car accident on tuesday night! When me and my fiance when to put our claim in with our insurance they said that we were not insured with them anymore. That they had dropped us in October!<... |
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| Do I still owe the hospital if my wife dies? |
| Im on disability and I owe $10,000 in hopital bills from when my wife passed ... |
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 Is everyone else sick of ringing BT or Insurance firms and being told -press 1 or 2 or 3 or 4 I am sick of it? |
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Especially when they give you another number to ring--it's always an 09 , which is very very expensive. why can't we talk to PEOPLE these days?.... |
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 Is Health Insurance completely free for everyone in England? |
| I live in NY and I watched the movie Sicko. If you live in England, can you tell me how accurate it is in describing England Health Care system? Do you get money back for transportation to the ... |
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 Did the crocodile hunter have life insurance? |
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Hey, this is question is legit!
It's not like I was making a joke (I provided no punchline, did I?) or even bashing his choice of profession.
<... |
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| We have a 27 ft camper that received hail damage, can I put in the insurance claim and not get it fixed? |
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OK- just wanted to be clear, this is a question.. We've had insurance for 7 years and never have claimed anything, I am just unsure on how this works. L... |
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 Please explain how a health insurance deductible works? |
if i get health insurance, and the deductible is 1000 dollars, and the copay is 30 dollars,
then i need to go to the doctor,
do I pay the 30 dollar copay? or do I have to pay for the ... |
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 Should flood victims who had NO contents insurance expect financial help? |
| If they do,what message is that sending to people who have paid premiums for years & those thinking of getting contents insurance?... |
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nooka | Why do people not bother to take out house insurance? |
Near where I live, there have been loads of floods, as shown on the news. Today, I saw a couple pleading poverty because their house is totally flooded. However, in the next breath they say they have no house insurance, I assume they mean contents insurance. I can't believe that people say a few pounds a month by not being insured but know what the consequences could be. Am I the only person who feels no pity for these people?
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Sorry, I meant they save a few pounds not "say".
Bear in mind that these people have to insure their cars and surely their house and it's contents are worth a lot more to them. I know it would be a nightmare if it happened to anyone of us but I imagine it would be much worse if we had to think about paying for damage rather than replacing material things. |
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Lisa T
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that is the one thing that we make sure that we have, cos you never know what could happen. The last thing that i would want is to make my kids homeless because we can't afford to get our house repaired if and damaged ever occured. People always think it will never happen to them. But by the looks of things it does. Maybe they will learn and get insurance next time. |
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Spence
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It is simple!! Its all to do with people's tendencies to think "it will not happen to me". And thus don't bother. |
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babydollbi
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Like most tragedies in life, people think, 'It can't/won't happen to me.' |
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naughtysissycindy
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Snap when east belfast was flooded people blamed the MPs any one but themshelfs one lady smoked had new tv chairs etc but no insurance. I have no pity at all X Cindy |
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loopy loo
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some people say they cant afford it, others go for years without making a claim and then get complacent, i know it seems self inflicted but i cant help feeling for them, and so pleased its not happened to me, i have insurance but it would still be a total nightmare |
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bert
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People are either to lazy or to tight to pay the premium,I have zero sympathy for these people,it should be made compulsory to have house insurance, if you are a home owner you should insure the house and contents if a tenant just the contents with the landlord paying for the buildings. |
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anthony.veitch1@btinternet.com
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Because their mind set is it wont happen to me. |
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magiclady2007
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i think its upto the individual whether they have house insurance or not. personally i would have it anyway because youre covered for all eventualitys |
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ME
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because they are stupid |
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rage707_666
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yeah serves 'em right! |
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Montgomery B
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Taking out any insurance is a gamble for the person taking it out and the insurance company.
Insurance companies are out to make money, they never never lose. It`s a chance the owner has to take - to insure or not to insure?
If they don`t insure at say, £400 per annum, in 50 years they have gained, or not outlayed, £20,000,
As I said, it`s a gamble, like if I backed a horse with £1,000 at 20 - 1 and it won, I would win £20,000 and people would say I was clever. If it lost, I would lose £1,000 and people would say I was stupid!!!
Make up your own mind! |
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coffee
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Many house insurers will not insure houses which lie on a flood plain or will charge exorbitant rates. I bought a house which is about 800 feet above sea level so if my house floods I'll be building an ark. |
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welcome news
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The reasons why people won't buy insurance.
1) It won't happen to me!
2) It's not compulsory
3) I can't see any benefit
4) I can't afford it/ it's too expensive (this applies particularly to the elderly and for them I have sympathy but if you can afford to run a car you can afford house insurance)
There are some comments about 'If you pay £400 for 50 years then you've paid £20,000 for no benefit - fair enough. But imagine that you don't pay the £400 and then you have a claim for £20,000 to pay - can you find the money? Insurance is a risk transfer mechanism so that people pay a small amount (really!) each year that they can budget for and that they can afford to protect them against having to pay a large amount that they cannot afford - even if it is unlikely to happen. Mathematically you exchange a high probability of a small (affordable) loss against a low probability of a high (unaffordable) loss. The reasons why this works have to do with the economic principle - marginal utility of wealth. |
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ernesto_tig
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In the "Colonies" flood insurance is separate from HO coverage. Yet 50% of the country does not know this despite public service TV ads. To compound this problem, mortgage companies don't always require Flood coverage depending on the location of the home. Add to this customer reluctance to pay premium and agent reluctance to push Flood policies and you're going to get Flood losses that are uninsured.
I'd advocate some mandatory flood coverage on all HO policies. Getting a pricing plan in place that the Whole US of A could agree to: that would be the tricky part. |
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GARY W
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There's lots of reasons, it's easy to write someone off as being foolish for not buying insurance - but if money is proper tight then I can totally understand it. Don't judge someone til you've walked in their shoes a while tho eh?
What people don't realise is that you can get your contents covered for basic risks, including flood, for very little money - £60+ depending on where you live of course.
Flood insurance is different....in the UK we're unusual as flood cover comes within normal policies. This isn't the case in the rest of the world. However, the deal was supposed to be that government fulfilled their responsibilities on river and sea defences - which they've failed to do for many years. Additionally in England there are no planning rules preventing the construction of new houses on flood plains, this isn't the case in Scotland where they don't let it happen. So now climate change is here and areas that weren't prone to flooding now are, and guess what, of course the insurers don't want to insure these places where flood is inevitable |
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cnjrtom
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I dunno about the UK, but in the States, flood insurance is separate from homeowners insurance (which pays nothing for flood damage). Most people think they don't need flood insurance if they can't see a body of water from their home, but that is not always the case. |
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Red Ant
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They probably can't afford the insurance. Same goes for health insurance. A lot of people can't afford it, and I guess the gov just expects them to kill themselves when they get deathly ill. |
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dels replies
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Some people have such pressures on their family income that they can't afford insurance premiums.They know it is a wise thing to have insurance but keep their fingers crossed and hope it doesn't happen to them. Unfortunately sometimes it does. |
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ukshiner2000
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When considering insurance, people weigh up the likelihood of their posessions getting damaged/stolen, and they obviously think that the amount of money they give to an insurance company would be put to better use.
Of course, there is also the possibility that they can't afford insurance, and they have to pay for more essestial items, such as food and clothing. |
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c.saunders1510@btinternet.com
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prehaps they are on benefits and that £10 goes towards food etc. its just the same with tv licence, ppl just cant afford it- it seems a little but added up its like £120 a year and more in the first year so tv and insurence together is like £300 cos you have to pay 6m in advance for tv |
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