Recent questions tagged insurance

Description : How long do you carry full coverage insurance on your vehicle?

Last Answer : I drop Comp and Collision after about 6–8 years or when the value of the car is such that it probably wouldn’t be worth repairing if it was damaged. Liability of course, you keep forever.

Description : Do you have pet insurance?

Last Answer : What company is doing pet insurance?

Description : What's the best way to obtain insurance for a first-time car buyer?

Last Answer : Have her get quotes from AAA, State Farm, and Geico. All will give you free quotes. Has your daughter been on anyone else's (yours) insurance? That insurance will happily give her a rate based on moving ... on my policy so she could give it to the agent, even though she was coming off my policy.

Description : How to sell "security" technologies to banks, insurance companies or FinTechs (tips and tricks)?

Last Answer : Is the methodology to reach out to decision makers and interview/survey them? or simply glean insights from experienced insiders with knowledge of this process? Those seem like excellent questions, and ... on that to look for patterns such as seasonality or correlations with data breaches etc.?

Description : Would the following description given in "Without a Hitch" by Andrew Price be realistic?

Last Answer : Bogus Sure, they make a cursory effort to collect the debts, but they give up quickly and write them off their taxes. To cover their losses, they buy insurance. Since they have insurance, they won't ... the theft. They can't write off the loss and get insurance payments, that would be fraud !

Description : Is it insurance fraud to have insurance but choose to self pay for medical services?

Last Answer : That’s a stupid computer system. You are not required to use insurance if you don’t want to. If you want to pay cash, that’s your choice, not theirs.

Description : Find old insurance policy information?

Last Answer : Good luck. You might find evidence of this in corporate records, if they still exist. But no insurance company would pay out on the basis of that sort of evidence. If it's flood insurace - that's ... (fire, theft, etc.) is likely long lost, since the policies would have expired 50 years ago.

Description : Can a life insurance company deny payment to someone who has chosen NOT to get the Covid vaccination?

Last Answer : Suicide is defined by intent. If you kill yourself by accident (reckless driving, extreme sports, accidental overdose, etc.), life insurance would likely pay out to your beneficiaries. If there is evidence ... not their intended outcome - so, no. (All this courtesy of my law school graduate wife)

Description : Is AAA accident insurance a good idea?

Last Answer : Here’s a good source of car insurance reviews .

Description : How do you approach bosses to let them know they’re wrong?

Last Answer : I agree. You probably can't have both an HSA and an FSA If you qualify for an HSA, you cannot elect to set up both an HSA and an FSA, unless the FSA is a limited purpose FSA ... , using a limited purpose FSA for expected vision and dental expenses could be a smart choice. Nerdwallet dot com

Description : My iPhone was stolen and my insurance has not yet provided a voucher number. How do I procede with this?

Last Answer : All cell phones can be traced. Get your cell phone provider to track its location. This should had been the first thing to do as well as talking to the security at the store for video of the theft ... would be suspicious as to who was telling you to purchase a new one and then yours is lost? hmmmm

Description : If you had a chance to shame Congress into doing the right thing, what right thing would you choose?

Last Answer : This has got to be one of fluther's best ever questions. I am a strong believer that schools need more than just some safety bill to improve. I believe they need total restructuring; physically and ... will save that for my address to Congress. I don't need a celebrity to present for me.

Description : What do you think about my following speech about health care (in other words, details if you click)?

Last Answer : Probably accurate, but completely naive. In the US at least, big business controls all parts of health care and drug manufacturing, and they are not going to want to lose their hold on their parts ... public utilities. So, @luigirovatti - what you wrote is a dream, but it will never become reality,

Description : What is the purpose of a doctor referral?

Last Answer : They have data that says that if your primary physician is maintained as a gatekeeper, it cuts down on utilization. Less utilization, more money for the third party payer.

Description : How should we go about fixing the scratch on our car?

Last Answer : Insurance will have a deductible that it may be under. I would take it back to the dealer and see what they suggest. They may fix it for not too much or tell you what you can do.

Description : Is it against the law to ask a repairman to charge you extra so to be covered by renters or landowners inurance?

Last Answer : It isn’t the deductible, and it is called fraud.

Description : Why does this guy want a bill of sale on this salvage vehicle?

Last Answer : So there is a way to trace the car to prove it wasn’t stolen. The guy is really trying to protect himself and I would too. I would assume it’s the same with showing insurance.

Description : Does health insurance cover aides coming to your house?

Last Answer : No, not normal insurance. Health aides are covered for a period of time (change dressing, take BP, administer medicines). Housework like cleaning, cooking, etc. – is not covered by normal health insurance. You can get supplemental (Aflac and such) that will cover other services, but that’s extra.

Description : Should I feel bad? (details inside)

Last Answer : No. It sounds like your friend has far more issues to deal with besides his irrational fear of “socialism” and his desire to feed corporate power.

Description : Do motorized wheelchairs need insurance and do the users need a drivers licence where you live?

Last Answer : NO, they're not treated like automobiles more like bicycles so no insurance, no drivers license & no tags. They are also not supposed to be used in the roadway but are supposed to be used on the ... moments. Don't think I've heard of anybody here being run over by an electric wheelchair either!!!

Description : How do senior citizens on fixed incomes afford dental services?

Last Answer : Dental schools sometimes have free discounted dental work with the students. So that the students can practice with a real person. It might even be free. Go ask.

Description : Should my friend hire an attorney?

Last Answer : I was involved in a very serious accident some years ago and was being sued. The car was a business car and the lawyer who represented me was selected and paid for by the insurance company that insured ... to so they have a vested interest in your interests as well. At least that was my experience.

Description : If someone steals my check and cashes it, who takes the loss?

Last Answer : I would think that if you can prove the theft, and if you can enlist the client's bank (via a request from the client, because it's in the interests of all parties to resolve the issue) to ... else, then they acted badly, it would seem, and need to overhaul their processes, at the very least.

Description : Has anyone applied for the Market Place 2018 (Obama) health care insurance or had it before?

Last Answer : I did it for 2017. I feel like I didn't have great advice from other people when I did. I will likely make too much money and wind up owing money. I knew I would be cutting it close though, ... marketplace and subsidy was going to be my best option, I wish I had had a broader discussion with her.

Description : Can one buy employment insurance privately and not just from the government?

Last Answer : One should never need to buy insurance for unemployment. One can pay whatever one assumes the premiums should be into a savings account - and then draw down on that account during times of unemployment ... your door, and beat it down to buy your product and live off of your generosity forever.

Description : If your house is a lone survivor of a wildfire, are you better off or not?

Last Answer : As you surely already know, a home is more than just a house . If I manage to save the structure - and its contents - then I'll consider it a win. On the other hand, the risk that the homeowner takes ... an hour or two while the fire burns over and moves on, and until it is safe to come out again.

Description : Is Trump right that the the subsidies for health care raise prices?

Last Answer : Economics 101: marginal subsidies decrease the cost to the consumer while increasing the revenue of the producer. This is true regardless of whether the subsidy is on consumption or production. There ... government subsidies that drive up the cost of college tuition. It's the student loan system.

Description : What are the Democrats proposing to fix the problems with ACA?

Last Answer : Not necessarily a Democrat's stated position, but here is an articel from the NY Times on how to repair it ACA would work and work well if it had not had years of being sabotaged. ... refused to expand Medicaid programs to help the poor, and years of litigation have made insurance companies jittery.

Description : If you want socialized healthcare, and are disgusted by the huge profits in healthcare, do you try to make sure you don't own stock in healthcare companies?

Last Answer : It would seem to be a conflict of interest, at the least.

Description : How do I sell my first car?

Last Answer : It's not too hard but it's not like selling a bicycle. You'll need the title and once you are paid you will have to sign it over to the new owner. If you have it it's easy if not here ... sure it is done. Also don't forget to take your license plate off, cancel your insurance and remove your stuff.

Description : Where can I get cheap home renters insurance , In Canada, for a short period of time?

Last Answer : From what little I know about insurance, it may cost you a lot more than $20 for a week if they would even write a one week policy (the paperwork for the policy and office are the ... should include the insurance and licensing fees which in the USA is hundreds if not thousands of dollars.

Description : What insurance company covers OEM parts?

Last Answer : I don't know if there are any insurance companies that will do OEM only. Since 1970 most insurance companies can insist the will only pay for aftermarket parts, OEM differences are paid for by the ... importing parts for VW, Toyota, Datsun and others; we were making a killing at the body shops.

Description : If you pet dies in an operation are you still billed for the effort?

Last Answer : The vet has costs, win or lose. Yeah, you pay.

Description : HELP! I got bit by a dog, now what?

Last Answer : See a doctor. Terminate the dog.

Description : Do I still need life insurance?

Last Answer : You might consider having enough to pay off outstanding medical bills and/or funeral expenses.

Description : What would be a good quote to go on an insurance company's website?

Last Answer : answer:The last insurance quote I got was $6,000 for my mother’s 12 year old car after she literally ran into a brick wall. That was a good quote. Sorry, couldn’t resist. Nobody was hurt, thank goodness.

Description : Is mortgage protection insurance a scam?

Last Answer : answer:It isn't so much of a scam (there are legit mortgage insurance plans) as much as it is preying on fears. Over the life of a mortgage, the premium would stay the same, but the amount ... to pay that on a $375K balance? There are much better ways to protect your assets and provide for things.

Description : Does insuring adult children to age 26 increase profit or decrease it?

Last Answer : I don’t know for sure, but prior to the ACA, women in the peak “child bearing years” had pretty steep premiums. That has since decreased, as men of the same age have increased in expense.

Description : Do you know anyone who has alien abduction insurance?

Last Answer : I’ll write you a policy, 1 million coverage at $50,000 per year premium. Prove abduction, you get paid.

Description : Does it seem like wind damage is more and more of a concern in the area in which you live?

Last Answer : answer:I live in a hurricane zone. Everything is built with wind damage in mind, and just about everyone knows how the law feels about damage done on your property by your neighbor’s tree. I can’t speak for the history of wind shear in the dust bowl.

Description : Should I buy home owners insurance for an apartment?

Last Answer : Unless you own it you don’t get homeowners, what you can get is content insurance which will cover your belongings in case of a fire, or theft, but if you don’t have that much worth in stuff not really worth it.

Description : Why don't cars made for the US, and some other countries, have options such as dash-cam?

Last Answer : Well, I don't know, you'd probably need to ask the manufacturers, but maybe (just speculation here) they didn't feel it would be cost-effective, as so many models are available independently. ... Amazon search bar and see what comes up. It's a pretty comprehensive selection for the casual consumer.

Description : How many car accidents (wrecks) have you been in?

Last Answer : Only one, and a French gypsy told me I would never be in another accident. Thus, I have no fear of flying.

Description : Why does the government think I don't have insurance when I do?

Last Answer : Talk to United and Humana and get a proof of payment to submit.

Description : Who has no health insurance coverage?

Last Answer : I don’t. I live in Australia. Woot it doesn’t matter yay!

Description : Can you give me some answers on applying for disability in Kansas?

Last Answer : answer:Disability is paid through Social Security and is a federal program. The individual states have nothing to do with it. I do not know Kansas law, but I have a firm suspicion that they will ... inform her that refusals because of pre-existing conditions are a thing of the past. Thanks, Obama.

Description : How did insurance companies decide on the value of human life at $5 million?

Last Answer : Link

Description : How often have you said, "Thank God I have (health) insurance!"?

Last Answer : answer:All the time. I have A LOT of medical issues on top of my mental issues. I went into the ER one night, stayed there until admitted the next morning. I had my gallbladder out that day, spent the ... that one day I'll get a letter saying I owe $50,000 for this surgery. I was/am amazed.

Description : Insurance question: Should a mortgagor (bank) be liable for some or all of the deductible?

Last Answer : answer:Nice try, but no. In every house I have purchased, there have been clauses in that 30-page contract that put insurance and such all on you. It’s a nice dream, but that’s all.

Description : Do you think healthcare and prescription meds in USA are still unaffordable for most people? How do we fix it?

Last Answer : answer:The only way it gets fixed' is by legislation and price controls, and that will never happen. The problem with price controls is that it takes any incentive away from the ... and unplanned for consequences which sometimes work perversely to kill the principle they are trying to save.