 Hospital Copay- $200? |
| Why are PCP copays less than hospital copays? Why is there a hospital copay to begin with?... |
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 Life insurance death benefits? |
| My father passed away a couple of months ago. my mother is asking me for help in filling all legal docs, etc. I do not have a clue about this stuff and she is so gullible it scares me. Is there ... |
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 A question about life insurance? |
| A person get a life insurance policy for $50,000 and passes away 4 months later. Can a beneficiary collect the total $50,000 or just what the decedant has paid into it?... |
|
 If your car gets totaled and you have full coverage, does insurance go by trade in value, private party? |
| Value, or suggested retail value. Or do they go by any of these? I am trying to determine whether to keep full coverage on my car or not because I am fixing to make a lump sum pay off.... |
|
 Insurance major? |
if i am going into insurace business later on, what major should I get my BA on???
Additional Details
i am going to be an insurace agent.... |
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 What exactly is term life insurance? |
| in details please..but i hear you can cash it in..what does that mean...i know what it mean mean...but like what does it mean when it comes to..are you going to owe them something if you cash it in..... |
|
 I want to make a claim on house insurance? |
| But they are insisting I give them the exact date that the roof tiles fell off. It was about a year ago (its a long story why I waited so long) but I only have a vague idea of when it was. if I give ... |
|
 What's a good life insurance? |
| My stepdad smokes a pack a day, and drives a truck for a living and I was wondering what would be a good life insurance for my mom should anything happen to him since he seems like high risk? They ... |
|
 Do Insurance companies encourage crime by penalising the victims with increased premiums? |
| I have recently been a victim of crime. I had my car keys stolen from my house whilst I was asleep, my car has since been recovered but has been written off. Even though I only owned the car for 1 ... |
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 I bought a house one year ago.? |
| Now i find that there was water leakage and damage on the outside wall which was hidden by the vinyl sidings. The seller did not declare anything in the disclosure nor did the inspector find anything.... |
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 Family health insurance plan for 19yr old, 17yr, and few day old baby? Need it to marry.? |
| My fiance and I want to get married right away and have been wanting to for a while but had to wait until the insurance plan he had at his job kicked in. That would have been next month but now he is ... |
|
 Why do doctors charge less if you do not have insurance? |
| Some doctors charge a person with no insurance or on medicare a less rate than they bill the insurance company. If they billed an insurance company the discounted rate, wouldnt this help lower ... |
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 I have a huge medical bill and no insurance. Can I really just pay like $10 a month? |
| Someone told me you can just pay what you can "afford." Well, if I can only "afford" $5 or $10 a month, will I get all my assets seized or something?... |
|
 Do you think that a guy in his mid-late 30's with no money has any chance of being a provider? |
| I guy friend of mine has just turned 36 years old. He has been working at an $11.00 an hour job at an insurance company for about 8 months now. He's planning on he's getting get his ... |
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 Don't be fooled by agents when buying life insurance? |
| if you buy whole life they tell you you can borrow "your money" but you have to pay back with interest because if you don't if you die the company will deduct the money you borrow from ... |
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Chairman ALF | Why is it when my TV got fried by a lightning bolt the Insurance tried to refuse cover? |
Why should these worms be aloud to have an "act of God clause" in policies? anyway I told them that is wasn't lightning and the repaired it! HA ! Bleeding robbing insurance companies! |
 |
 
Borat
|
Well, all insurances don't cover natural disasters.. because if they did then they'd be responsible to pay for the belongings of flood victims.. tsunami victims.. earthquake victims.. the result would be them losing a LOT of money..
Ethnically speaking, it may not be right to. But in businesses they only think about profit.. which is sad.
They do bleed. Go move lying about the cause though! ;) |
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chris_ninety1
 |
All of this would be in your policy booklet when you took out the insurance.
There's absolutely no reason why they shouldn't be allowed to have such clauses in their policies - as long as they've sent you the documentation, and as long as it's all there in black and white then you really don't have a case.
Therefore, whenever you take out insurance, you really need to spend some time to read through everything, it's all usually quite clear, and if you find too many exclusions that you don't like then you do something about it, rather than doing what most people do and kick off when they go to make a claim and get told that their booklet says it's not insured.
With that in mind, you were quite lucky that they paid you for that - being that you'd already told them it was lightning in the first place and they'd refused you, by going back and then saying "oh yeah, my TV broke... nothing to do with lightning", if the people you dealt with had looked closely at their screens they would have seen you were making a fraudulent claim and cancelled your policy on the spot. And that would mean all future policies with other companies would probably be a lot pricier.
Still, you've gotten away with it, but I'd be careful not to advertise that too much. |
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Christie
|
What you did is insurance fraud. I wouldn't be bragging about it here.
Did you not know there was an "acts of God" clause when you bought the insurance? Sure you did, and you agreed to it. YOU'RE the one who's wrong here. You lied to get your claim paid, even though you knew all along what the policy was.
People like you are the reason insurance rates are as high as they are. Honest people like me, who pay their bills and don't cheat insurance companies, don't appreciate people like you. |
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sparkle555_2000
|
I'm gonna tell them it was really lightning and then you'll have to pay back the money and they'll cancel your policy.
What's your policy number? |
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Anto C
 |
Yes bolts of lightning etc are acts of god, but all you have to say is that you dont believe in god!
Its actually an act of nature & this should be covered by your insurance. Have a read through your insurance policy handbook that should tell you what is & isnt an act of god!
If you have any solicitors as friends, consult them to see if you have a case for the small claims court! |
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old know all
 |
Bet it was the one with the telephone on wheels. You missed the "bugger off we don't pay claims" clause. What do you want for cheap? |
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Peaceful Dove
 |
Insurance doesn't pay for anything, they just send bills! |
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great_warrior2007
|
They always find a loop hole not to pay you. |
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nettyone2003
 |
Insurance companies are just there to rob your money - like the government - and always look for a clause not to pay up. Last August a pipe split and my bathroom flooded. They have sent out 3 different surveyors and each time they loose the notes and deny the fact they have come out. Now they want to replace the tiles on one wall with one that will not match the others! It's just incompetance and money grabbing. They could say that anything was an act of God - just a get out clause!!! |
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