 Looking at changing auto/home insurance companies? |
| I've had Allstate for more than 5 years for home and auto. The rates have continually gone up. I just contacted Liberty Mutual. They can save me over $500 per year with the same or better ... |
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 Does anyone pay less than $40.00 a month for Renters Insurance? That seems high to me.? |
This covers minimum requirements.
Additional Details
Thank you for the valuable info. mbrcatz1. The whole policy is $390.00 a year. So I will definately check it out.... |
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 I am a fulltime student and I don't have insurance, im 22. Im not covered under parents insurance.? |
| Im going to be attending medical school full-time and i have no money to pay for health insurance. I am no longer covered under my parent's insurance and I am in need of healthcare. Can i apply ... |
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 Health insurance for college students? |
| I'm a full time college student, and there are no state programs out there to help me. I had to move back into my parents house (I know I know) and my medi-cal got cut, and I'm 20 so I can&#... |
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 Is $700 to add spouse to group health plan normal? |
| The cost of adding my spouse to my company's small group health plan is upwards of $700 per month. Reading up online, it appears that in CA rates vary upon the health status of the group, so ... |
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 Can you get ternimate if you are self employed? |
| Can you get ternimate if you are self employed ?... |
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 Renters insurance, flooded basement water damage from broken wash machine pipe how to file a claim?? |
| Hello! I have State farm ins. My pipe going to my washer broke-- flooded my basement. I have never filed an insurance claim before. Any tips would appricated. No structural damage was done--all ... |
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 What is the most profitable line of insurance to sell? |
| I am going for my life and health in MD but I hear a property and casualty license is good also. Any takers?... |
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 Does anybody know what business jobs out there if you speak Chinese? |
| Hi, I can speak Chinese because I am a Chinese(lol), and I want to use this great advantage on my career(that's my dad told me), and also my major is global business(that should go very well ... |
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 Car fender bender -insurance low balling payment, how to get more money from the insurance company? |
| Had a fender bender accident and the other driver was charged, the insurance adjuster said the damage is $1500.00 and gave check (not yet cashed). Took car to repair shop (from the insurance approved ... |
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 No insurance? |
| I dislocated my elbow last night and was in the ER all night. I have no insurance and not a lot of money. I qualified for charity assistance but now i need to go to the orthopedic doctor they ... |
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 What can you do if your health insurance denies a claim after you've had an operation? |
| and initially you were told that they would cover you almost in full. (i got a bill for 17 thousand dollars) for an operation I had that my doctor's secretary told me would be covered 90% by ... |
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Giggly Giraffe | Why should I continue to purchase insurance when it is evident that Insurance Co.‘s do not pay out claims? |
Look at all the people insurance companies are ripping off in the Gulf Coast … If it can happen to them, the insurance companies can do it to anyone … Why should I buy a product that will not fulfill it’s contracts? They say, "You have to read the contract". OK, there I've read it, but I'm not a "MERCHANT" and under the law, they are the "MERCHANT" bearing more responsability on them then I ... yet they keep saying, "We won't pay" ... SICKENING!!! |
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Dr. Chris
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You may want to do more research on your insurance company before choosing it. Some are a lot more reputable than others. |
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richcisak
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The insurance companies are not ripping people off. Homeowners policies do not cover flood. This is not a secret, it's right there in black and white in the policies. For protection from flood, purchase flood insurance through the National Flood Insurance Program. Contact your local broker. |
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blkwdw86
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Insurance companies are not ripping people off, only Allstate and Farm Bureau are. Most of the damage to the Gulf Coast was indeed caused by wind, I agree. However, alot of the damage slightly inland was caused by flood, and not coverable without flood insurance. Flood insurance is sponsored solely by the Federal Government (NFIP), and administered by the private insurance companies on the government's behalf. Because it's sponsored by the government, there are alot of rules and red tape to go through. I suggest you get State Farm, they're about the easiest to get along with from a homeowner's standpoint. And make sure you get flood insurance. An Independent CAT Claims Adjuster. |
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chocoranga
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I think the answer to this question is to (1) read the whole insurance policy and (2) make sure you disclose absolutely everything so as not to get caught out.
If you are getting a loan/mortgage, some mortgage companies require that you insure against loss/damage etc. therefore you have to have insurance. If you don't have insurance then there is absolutely no way to possibly protect yourself.
Also, in the UK you have to have insurance for cars so there is no choice in the matter. |
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myalterego
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The ugly truth is that most people don't take a look at their insurance policies. Further, most people want to pay the least amount of money for insurance. Therefore what ends up happeing is 2 things: 1) You end up not buying the right amount of coverage and 2) You end up not noticing that you don't have any coverage at all.
Don't ever go uninsured, it is more risky for you. I know it seems that a lot of people are having a hard time getting paid for their losses, but think of the millions of others who have been paid. The pendulum swings both ways.
If you have doubts about the claim, you have a few options:
Ask for a new claims representative to take a look at the case. Take the policy to an independent agent and have them explain the exclusion you may have on your policy. If you find that the insurance company should pay the claim but isn't, go to your insurance commissioner and file a claim against them. |
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Crazy_mom_22407
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I understand your frustration, however if insurance companies paid out on every claim that was filed, no one would be able to afford insurance. Every insurance contract is different and if you stick with the major insurers you are better off than those who go with "cut rate" or "high risk" insurers who put in all kinds of horrible conditions and clauses that protect them in the case of a loss. If you have specific questions regarding your insurance contract or if you are having issues with your insurance comany then I would suggest that you call your state's Department of Insurance and they are very consumer (vs. business/merchant) oriented. |
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