 Dropped a plastic piece on my foot at work...workman comp? |
| At work yesterday I dropped a plastic thing on my foot. It was under 6 ounces and should not of done damage... My foot got badly bruised and my mom thought my toe was broken. We went to the doctor ... |
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 How do I become an independant insurance agent? |
| I was told that I didnt have enough experiance to be an exclusive agency, so someone suggested that I be an independant agent and work with 6-8 different companies. I dont have a degree or experiance,... |
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 What does gap mean? |
| i need to know what is ... |
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 When an auto insurance company looks into your credit what are they looking for? |
| When they look into your credit what are they looking for? Just your credit score? or can they see your whole report? Like your credit card debt?... |
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 Employer Provided Health Insurance - Cancellation? |
| Can employer provided health insurance be cancelled if a doctor has put you off due to an illness for over 2 weeks?... |
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 What is Paris Hilton's dog's breed? |
| Hi! I'm 56 and I don't watch TV much. My grand daughter said that she had a cute doggy and she wanted it! I asked the breed and she said something weird that sounded like "Eye Dee Kay&... |
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 I have aetna health insurance, and i was wondering? |
| ok, my aetna says it covers 100% of procedures, and i just have to pay the co-pays. i was thinking about going to mexico (i live in california) and having a gastric LAP-band procedure done. will my ... |
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 How to speed up insurance on disability claim? |
| we have supplemental disability and we filed in march as husband had septic shock...now it is may and they say they are still waiting on records from hospital(military)...how can i speed it up?as im ... |
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 I need replacement social security card? |
| i need to replace my card in order to get an i.d. need i.d. to get card I lost it when moving away from my hometown over 2000 miles away I have no other photo i.d. nor required documents to get ... |
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 Do medical insurance cost more as we age? |
I am currently dont have any medical insurance because I am still young and healthy so it will save me lots of money.
However, would medical insurance cost more if I was old? If so how ... |
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 What to in case of accident when not your foult? |
| someone crash into me whos going to pay for my ... |
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 Anyone dropped from State Farm Insurance (home) after filing claim? |
| We live in NY (Long Island) and recently came home from vacation to find a bad flood, caused by a washing machine hose which broke from wear and tear. There is damage, both upstairs and down. The ... |
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 Does someone who wishes to supervise a learner driver need to have insurance to cover them? |
| I'min the middle of learning and would like my mum to let me drive sometimes, do i need to get some insurance cover for ... |
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 How to divide life insurance among 3 beneficiaries...? |
My husband has one child from a previous marriage and then me listed as beneficiaries 50/50 on his life insurance.
We had a baby last year and I am confused as to whether it would be better to ... |
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 Where can i find general liability insurance for home inspectors? |
| i am currently getting my license to be a home inspector in Arkansas and the state requires that home inspectors carry a general liability policy of $100,000. My own insurance company does not do ... |
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 Medical insurance denied the claim and not much help form provider. Almost cornered to pay. Need help.? |
| My Insurance denied a cliam for a doctors visit, saying its not covered by the company. I was acutally refered by another doctor to this guy for excessive sweating. when I book the appointment they ... |
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 Is it possible to sue an auto insurance company for insuring a neglegent driver (alcoholic, drug abuser, etc.) |
| I posted an earlier question asking for help in an accident I was recently involved in ((DUI/meth abuser hits bicyclist = broken back). I received a lot of useful info, but have a few more questions.... |
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patric | Why is your FICO score directly related to your mortgage insurance? |
If you have a score that gets you 6.25% 30 year fixed rate. How can the insurance company judge your rate on your credit scores. If you have a low score, you should not get a home loan. |
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Zarnev
 |
I'm guessing you meant the home insurance. It has been proven that people with lower credit scores have a higher rate of claims, which is what the insurance companies care about. Each company has developed an insurance score that they use which is similar to your credit score. These scores may look at different aspects of your credit. As far as I know there haven't been any studies as to why because the insurance companies don't care why. Many people have tried to disprove the findings (the University of Texas had a big study several years ago) but so far nobody has been able to. |
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frankie b
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I agree, Plus if you are paying the insurance directly with your mortgage and paying one year in full up front, what do they care? I had a client who qualified for a 30yr fixed 5.85% mortgage, but had a hell of a time getting insureance, it makes no sense. |
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Dr. Deth
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they will still loan you money if they feel you are not a totally bad risk, but they'll charge a higher interest rate to offset that risk |
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mbrcatz
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Well, I didn't know that MORTGAGE insurance, which is a form of LIFE insurance, did credit scoring. But HOMEOWNERS insurance does it, because there is a direct corrolation between lower scores and higher claims paid out.
No one has done a study about WHY people with lower credit scores file more/higher claims, it doesn't MATTER. The insurance commissioners don't care why, they just need to see a corrolation.
Just like, no one cares WHY 16 year old boys have more car accidents, just that they do, which is why THEY pay more for car insurance than you do. |
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