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Hi! How to get away with having no insurance? Just a little help please. Thank you very much. | |||||||||||||||||||||||||||||||||||
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In Insurance
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| ![]() Powered by | ![]() Q. Insurance.....? | |||||||||||||||||||||||||||||||||


Q. How do we get insurance companies to reduce medical insurance premiums to employers? let's face it, here in the u.s. the medical insurance premiums for group health coverage is rising faster than inflation. as a result, a lot of companies are either reducing the levels of coverage in order to offset the cost of insurance, increasing the deductible, and or increasing the cost to the employees for the insurance premiums.
the problem is that insurance companies have no incentive to reduce insurance premiums. they continue to get record profits and this issue is out of control.
how do we get the insurance companies to decrease insurance premiums to the rate of inflation, or better yet, start reducing the cost of premiums for a change?
"Insurance tips..."


Q. What is the type of insurance that covers bodily injury and property damage to others? 1: what is the type of insurance that covers bodily injury and property damage to others?
liability
uninsured motorist
comprehensive
collision
2: what is the type of insurance that covers you when you are injured by a hit and run driver?
liability
uninsured motorist
comprehensive
collision
3: insurance is based on the concept of ________ and __________
profit and loss
risk and loss
risk and return
profit and cars
4: which type of insurance is usually required if you finance your car purchase?
medical payment insurance
towing insurance
rental insurance
collision and comprehensive insurance
5: which of the following is not a way that a teenager can save money on insurance?
getting on his or her parents' policy
getting good grades
driving penalties
driver experience
6: accidents that must be reported are ?
those that caused minor damage or harm
those that have been fatal
all accidents.
I didn't study for this test (haha)
1-Liability
2-Uninsured motorist if you were a pedestrian
Collision if it's a hit&run in your car
3-Risk & Loss
4-Comp & Collision
5-Driving penalties
6-All of them


Q. How long is a insurance company required to give before they cancel your insurance? my insurance called me yesterday and informed me that they would be cancelling my insurance because i have rented my house to a group of students. they gave me two weeks to find new insurance before they cut me off. i'm having trouble finding someone who will insure us. if they cut my insurance, my bank will cancel my mortgage, and i guess that means i'd lose the house. is this insurance company allowed to drop me in this manner. when we got the insurance two months ago there was nobody living in the house, but it was rental insurance. we never lied or anything, we were completely honest through the whole process.
"Most insurance policies range from 30 to 90 days on a cancellation for non payment..."
most insurance policies range from 30 to 90 days on a cancellation for non payment.
You need to stop and read your policy carefully. If this is a home owners policy there is likely an exclusion for using the house as a business.
When you bought the insurance you were probably purchased it through an agent. He didnt care what you told him. all he wanted to do was sale the policy. It's the underwriter that now wants to cancel it.
Bottom line. I think that you have two options.
1. Purchase a commercial property insurance policy. (expensive but doable.)
2. Search around and find another homeowners insurance policy and buy 1M dollars worth of umbrella coverage.
I'd spend my time looking for option two. The minute you ask about an umbrella, agents will be knocking your door down.


Q. What types of insurance does an event planner need? i am interested in starting my own business from home as an event planner (no employees, just me). however, i am unsure about the insurance aspect of things.
i will possibly be organising events for a large company and they have told me that i am required to take out public & products liability insurance and personal accident cover before i can start working on any of their events. will the personal accident insurance cover my hospital bills if i injure myself? if not, what insurance does?
could you please advise what type of insurance is required for a home-based event planner.
if there are any event planners out there could you please let me know what insurance you have??
thanks!
"Call an insurance agent..."
Call an insurance agent. They will know what insurance you need and how much it will cost. The insurance is to cover the people and items at the events you coordinate, not you personally.


Q. When will the insurance lobby force us to have medical insurance like the did auto insurance? forced auto insurance, seat belt laws, helmet laws, child safety seats, laws and regulations, all brought upon us by insurance companies who use government regulation to maximize their profits.
isn't it only a matter of time before they get their friends in washington to make health insurance mandatory?
or is that the republican plan for reform?
Reagan warned of obama and his kind, and I'm not referring to his race, He is a socialist, and health care is his door opener.
http://www.youtube.com/watch?v=fRdLpem-AAs
Please forward this video to all who question the "acting" president's agenda!!!!!


Q. How can people say insurance companies should be able to deny based on pre-existing conditions? let's look at an example.
bob has a job. he has health insurance. he gets cancer, and his insurance company pays for his tens of thousands of dollars worth of treatments.
the economy goes south, bob gets laid off. he has to choose between health insurance and losing his house, so he obviously needs to stop the insurance. later, bob gets re-hired, and despite the fact that he can afford insurance, he can never get it again, because he has a pre-existing condition.
but no, we need less government regulation of the insurance industry. lol!
That would be like buying a car with a bad transmission!!! Think about it!!! LOL


Q. How does the insurance company find out about moving violations? my understanding is that when you get a moving violation (e.g, a speeding ticket), the police or the courts or whoever will notify your insurance company. when your insurance company finds out and finds out about the points that are now on your license, they raise your insurance premium. however, a friend tells me that he's received several speeding tickets, that his insurance company has never found out (meaning no one is notifying his insurance company), and that his premium has therefore never gone up. how is that possible?
hes got to be lying or had lawyer take his tickets to court and won!
tickets are sent to the states motor vechicle division, thats how they find out about your tickets!
TC GL :-)


Q. No health insurance and have a preexisting condition. can i start work? or is there any insurance available? i live in ga. we just got an insurance and told them about this condition. it's very small surgery for my daughter. but now they are denying it. is there any other insurance i can take? or if i get insurance through work would that help?
"Would you need to take insurance for you as well as the child..."
Some group policies at work do not care about preexisting conditions.
Some do. It is usually the private ones, not work connected that
up the rates. Probably something to do with---- if you can work, then
you probably are not too sick, or disabled, so you can be insured.
If it is a dependent child, would you need to take insurance for you
as well as the child, and what is the waiting period.
Work insurance takes a while to go into effect. You may have a rider
or whatever it is called, that will exclude treatment, or make you wait
so long to have insurance, or treatment for the preexisting condition.
I don't know for sure, you could find out some how who the employer
or potential employer uses and check it out on line or by calling the company.
Just put your answer in the box below and hit Save.
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