 Who has the cheapest home insurance policies in California? |
Time to renew and I need to start shopping around.
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House is worth 1.4 mil. I'm having a hard time with ins. bec.even though it was built in 1927, I purchased it ... |
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 Insurance beneficiary? |
| i have a friend who is recently deceased.on her insurance policy she had her mother listed as beneficiary but her mother is also deceased she has a sister who lived in the home with her is there any ... |
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 What does 15/30/5 mean on my automobile policy under UIM/UM/Liability? |
My state requires a 15/30/5 UIM/UM/Liabilty amount. Does anyone know what this means? Does it have to be higher if the vehicle(s) are owned by a company?
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My state(New J... |
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 How do people get Insurance? |
| I have a learning disablity In some things, so my parents don't tell me anything. I'm 21 years old. they think I am stupid and even make fun of me. so the only way I really learn things Is ... |
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 Can an employer drug test a minor? |
| Im wanting to get a job as im 16 and need to get a car but I have some weed in my system..I have a few people that say you cant drug test minors...Can anyone verify?... |
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 Medical Insurance, No Money? |
| Well this is really stressing me out I'm 21 last year I was at the hospital got sick of the apendix, and I had no medical insurance that was around October16,2006 well now I have a huge bill but ... |
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 Can you really find cheap health insurance ? |
| I live in mass and i can not find health insurance for my needs and have been denied by the state health insurance. Dont know what to do ... anyone can help ?... |
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 My wife fell on someone else's property should we call a lawyer? |
| My wife rents a retail space and she fell in the parking lot because it was iced over. She wasn't given a key to her back door, even though she asked several times. If she had been able to use ... |
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 I have a question about supplemental life insurance provided to me by my employer at no additional cost. If i ? |
| die, Is the amount of the insurance taxed before it is paid out? Is it paid out in one lump sum check or in increments? How long does it take before its paid out? I heard it is a slow process.... |
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 Do I need to purchase additional insurance alng with getting Medicare plan A? |
| Do I need plan B for $96.00 per month or private insurance for this plan?... |
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 A question about mortgage insurance? |
What is the extent of a mortgagor's insurable interest in the property which is the subject of the mortgage?
1) The value of the house
2) Nil
3) The amount of the loan plus ... |
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 Is this a pre-existing condition?? |
| My insurance started on Jan. 1st 2008 ... I went to the ER on 12 11 2007 for a 7mm kidney stone and they referred me to a urologist who has been really doing nothing but giving me pain pills until ... |
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 Do you know of any low cost personal health insurance? |
| My employer recently cancelled our health insurance and I was looking to pick up a plan on my own. Do any of you have any companies that I can look ... |
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 What is the best company to get travel medical insurance through? |
| I am going to France through a study abroad program through my college. In order to apply for a visa, I need a letter from my medical insurance company stating that I will be covered in France, but I ... |
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 My insurance has decided they are not going to cover my pregnancy? |
| My son was born on May 21st and we just received a notice from our insurance company saying that we "may owe" around $10,000 for a pregnancy that we thought was covered (we have been paying ... |
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 How to get insurance for my baby? |
| I am 19 years old and 7 months pregnant.... I live in New Jersey. I have insurance under my mom but it wont cover my baby. I've been to the department of health care services and they said im ... |
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 Suing doctor's for negligence? |
Do you believe in suing a respectable family md for negligence?
My mother is hospitalized for 7 mo. for sepsis . Her family Md and surgeon were asked several times to be transferred to another ... |
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 Name a good place to get bonded and liability insurance? |
| I'm starting my own cleaning business I need to know where to get good insurance?... |
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Cliffather | Why should we pay CAR insurance? |
I know it is made to protect us from being sue, I understand this. BUT if we are MADE to pay insurance to drive a car then the Car insurance companies should be MADE to include Car replacement as a STANDARD pack for both Full and Liability coverage(Why should I lose my car because of a BAD driver) If your car is totaled and you are still making payments then you lose a car. If you paid off your car and it is totaled, you lose a car. Lastly, we who pay insurance and don't have an accident in six months(or one year)should be given a choice of a lower premium, cash returned or a loan.
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ALLSTATE has something similar to this but they are high. |
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Z_Berg
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If replacing the car was required on all policies insurance would be a lot more expensive. As is the law requires us to protect innocent 3rd parties (so if a driver hits a 8 yr old the injured kid will get some money torwards his medical bills), but allows us to decide if we want to pay extra to insure our vehicles for comprehensive and collision or not. Personally I'd be p'd off if the government made it mandatory that I had to pay extra premium to insure my car for full replacement cost whether I wanted to or not.
While a lot of carriers don't offer full replacement cost, most do offer gap insurance when you buy a brand new car - this will pay the difference between the ACV (Actual Cash Value) of your vehicle and the amount that you owe the lienholder. You can also buy this at the dealership when you buy the car but check with your agent first to determine which route is cheaper.
When your car is paid off if you continue to carry comprehensive and collision coverage you will be paid the ACV of the vehicle. Even a 1980 Pinto will get you some money back. To determine the ACV of your car you should look it up on bluebook (www.kbb.com) while the insurance company will make a big deal about how that is not what they use to determine it the two numbers are usually similar - you can then decide if it's worth the premium.
If you feel like you're an awesome driver and will never cause an accident insure your vehicle for just comprehensive (theft, weather damage, fire) and drop collision. Make sure your policy has Uninsured and Underinsured Property Damage and if the BAD driver in your question has no insurance your company will still pay the ACV of your car.
Six months is not long enough to gauge a person's driving record - insurance companies typically look at 3-5 years. If you are accident and ticket free during that time they will usually offer you a lower rate. You should also shop around every so often to make sure you're getting the best deal.
I think I've covered all your points - sorry if I left one out and I hope this helps. |
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Good♥Gyrl
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If you have a brand new car and get insurance on it, in addition to full coverage, I strongly suggest gap insurance. The insurance company is not responsible for the terms of your loan, and you should make sure you're covered for the residual if the loan won't be paid off with the market value of the totaled vehicle.
I think all states should make auto insurance law, simply because if anything, it protects you against uninsured drivers. A regular auto policy might not protect you fully against lawsuits; the only way to have complete protection in this way is to have a personal liability (umbrella) policy. |
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johnman142
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insurance is not to protect you it is to protect a person you may injure in an accident, insurance is mandatory cause people rarely sue uninsured drivers as they dont have any assets, so you can win but not collect |
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uzedcarguy
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State Farm has given me a rate reduction every 6 months or so for no accidents or claims. |
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Isis
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I pay a really low premium but I have the max coverage and liability all that I trade off is windshield deductable. As the other answerers stated the main objective is to insure the victim who may be injured by you. Above all this is more important than car replacement. Secondly your Insurance company must be giving you a bad deal as mine will repair, replace or pay off x amount of thousands-depending on the value of the car. So maybe your info is wrong? Or maybe your broker gave you minimum coverage as a trade-off for a lower premium? Please look into it. Good luck! |
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Max123
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Insurance is to protect someone you may hurt in an accident or whose property you may damage in an accident. It is also to compensate the lienholder of your vehicle if it is leased or financed.
Referring to your example of "If your car is totaled and you are still making payments then you lose a car. If you paid off your car and it is totaled, you lose a car.", you missed one important point. Without insurance, you'd not only lose your car, you'd need to pay off whatever balance you owe if the accident was your fault. |
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