I rented a sports car form enterprise. i get full covarage insurance?
i get within a hit and run collision, will that be coverd.. my friend is within the hospital immediately due to the twist of fateAnswers: Will WHAT be covered - the coup¨¦? Yes. The friend's injuries? Don't know. It depends on what "full coverage" money. It usually money, physical lay waste to plus liability. Anything else is within the eye of the beholder.
You'll enjoy to read the contract.
"I get full coverage insurance" - do you tight-fisted on your personal auto policy or that you purchased insurance from Enterprise?
Either channel - contact your personal insurance company and agree to them know going on for the happenstance - your insurance company may enjoy some responsibility to bar the claim (depends on language of your policy, rental contract, decree of your state).
If your friends injuries are exceedingly doomed to failure - be he admit? Any item broken? If so, he may stipulation to contact his personal saloon insurance and put them on consideration of the claim. Any money they compensated - would be after Enterprise and your policy. But if he's messed up bleak - that could evolve.
When you cooperate to your insurance adjuster they should know how to enlighten you if your friend requests to contact his company and how your policy and state's law work.
Definitely read the policy and contract.
If you get the insurance through Enterprise, save within mind that it is probably considered the inferior policy (or excess policy) and that your own insurance coverage (that you own near your personal car) is considered primary.
Contact your personal insurance company.
Contact Enterprise to find out who the insurance be through so you can notify that insurance company of the chance (although Enterprise probably would own done so, it's a fitting belief for you to do so as well).
Keep a copy of your rental contract and, first, engineer multiple copies of it (depending on the type of quality newspaper its printed on, it may fade).
Do company own to adopt doctors exuses?
i be told that basically because you enjoy an exuse it system your lost is still unexused how can that beAnswers: The tangible world, as contained by employer, doesn't work resembling arts school. If you don't show up, for ANY motivation, you can be fired.
You will have need of to check the hand manual to see how an absenteeism can be "excused", if there's such a item. Most employer require you to send for within up to that time you're supposed to be within, and if you do that too normally, you're gone. Period.
Although lots companies adopt medical excuses, here is no requirement that they do. Even medical excuses are subject to mishandle.
Some companies simply furnish a sure number of personal days per year. You can use them for any principle. Once you use them, you're out of rewarded days sour.
At one of my former employer, we stopped accepting them within some circumstances when we found that organization be obtain them fraudulently. An unusual number of excuses be coming from one doctor. Upon investigation, it be found that he be a pediatrician! The guy be accepting money lately to write excuses.
I am a Grievance Officer for our Union.. This occur alot at our warehouse.. It states contained by our contract that the slip have to be pacific and far as example: Joe be not sufficiently expert to work due to virus. our human resource personnel claims a short time ago a " slip from the Dr saw that you be see surrounded by his bureau is not all right. My proposal to you is to own your doctor word the slip to where on earth he feel you should not hold worked that daylight, NOT that he freshly see you surrounded by the bureau.
State Farm - AIG?
OK...I currenly own State Farm Car Insurance.
Since I other wait until the final minute to payment my vehicle (shitty *** Galant) insurance, they required me this month to retribution up front at lowest possible $1074.00, whereas the agent mention that that amout be due upon renewal on October 27,2007 of my recent premium...
Recently I traded contained by the Galant and the premuim be updated (2037.09) - the total amount from October 27,2007 to APR 27, 2007.
As of November 14, when I get my declaration page, I owed 1,833.37!
WTF...I dont follow lol...
After December 5, I get 30 days to foot at most minuscule $1074.00 but Im thinking and Im not going to enjoy insurance surrounded by the tight-fisted time...Whereas, if I do repay after December 5, they might charge me for the days I didn't hold any coverge...
I know it's my responsibility for other waiting until the finishing minute but what shoud i do?
I contacted AIG, get a quote and be cheerful near it...
My intention be going to newly start near them fresh on December 7, 2007...
Answers: What's the renewal date of your policy? If the renewal date is December 5th, you do NOT hold 30 days to wages. Let me explain. The policy is efficient December 5th, and the premium is DUE on December 5th, but they can't retract the policy in need giving you written make out (hence, your 25 days). BUT, if this is the RENEWAL, they will end significant December 5th - thus creating an instant lapse within coverage. And, as a side register, an uprating from AIG, as presently you enjoy a lapse within coverage.
If your renewal date is NOT December 5th, they will come after you for any earn premium that you owe. You're going to owe, anyway, for that unsullied vehicle - I believe that's what the $200 difference is - $200 on LAST year's policy for the topical saloon, plus the renewal premium.
You should discuss this near both agents, and walk near whichever agent explains it better to you.
work a bit longer if you can. it sounds resembling you necessitate the money. you involve to steal prudence of your principal requirements. transportation is one of those. obedient luck.
I received a check from my form insurance?
I recieved a check from my insurance company to clear for a procedure that be done by an out-of-network doctor. in good health i salaried that. a few weeks subsequently i recieve another check for one and the same amount my grill is, i believe this is a mistake, what would ensue if i cashed it? Its made out directly to me, so it is a valid check.....Answers: They will request the money wager on, recurrently beside interest at any time - forever. If you do not comply beside that request, they can sue you and will win, because essentially, you are stealing from them.
They will discover the error and come after you for the money.
They can buy a judgement against you surrounded by court that will appear on your credit report. Once a court judgement is obtain, they could frills your wages (if they chose to pursue that).
You involve to return the check - its not worth the hassle that they will contribute you. (Regardless of the dollar amount.)
BTW - for adjectives you know, the check could be cancelled already. If they discovered the duplicate check error and already saw that your first check have be cashed, they would stop reimbursement on the 2nd check in need notify you. Then you'd draw from hit beside guard fees for trying to dosh the 2nd check.
jeez population! it's not her money. if she cashes it, its stealing. does not a soul hold any morals anymore?
Pre-exisiting insurance, No coverage?
This is a difficult query. I enjoy roughly a 20k medical bill very soon. I only just get insurance again surrounded by July 07. Lost my insurance contained by Oct. 06. Had knees pains twice beforehand go to the hospital (Oct 06 and I'd articulate Oct 05, needed an aircast and crutches both times). X-ray showed zilch. Got MRI opinion but conservatory doctor told me my knees be alright and I newly needed time. Current doctor said I be probably misdiagnosed by university clinic. Never get an MRI. Recently get MRI on knees near unknown insurance showed ACL split. Now insurance is claiming it's a preexisiting injury and I won't be covered. My press is this is the first time I be diagnosed next to ACL rip, shouldn't that count for something.Worse comes to Worse can I formulate a backbone claim on my ancient carrier?
I go from Pomco (school insurance) ---> Medicaid ----> Aetna PPO
Answers: You be treated for problems near your knees. It doesn't concern that you weren't *specifically* diagnosed near an ACL slit - you be still treated for knees problems.
Unless your doctor's could specifically demonstrate that your current knees problems are completely unrelated to your ancient ones (ex - a brand exotic injury that only occur and can be medically documented), you're stuck.
The with the sole purpose hope you'd enjoy of getting it covered underneath your current policy would be if you'd have insurance coverage in need a break longer than 63 days.
Sorry. :( But I'm not totally affirmative around your likelihood for getting this covered.
Also your previous insurance policy would single cover expenses from date of service during the policy possession. It would not cover current services.
Nope, you have the knees trouble until that time the policy. It's definately pre-existing. You've also be TREATED for it, even if it be misdiagnosed.
Sure, you can try to engineer a fund claim on your hoary carrier - but they singular cover for services provided during the coverage extent. They won't cover adjectives adjectives services for your knees, after they're not on it any more.
If you have NOT have a lapse within coverage, this wouldn't be an issue. But it is. Sorry.
You will requirement to present documentation that you be insensible of the condition prior to your enrollment date. In proclaim for it to be pre-existing, you would entail to own be treated, recommended for treatment, or sought treatment during the 18 month (depending on your plan) prior to the impressive date of coverage. You should know how to prove that you be completely insensible of the condition base on your medical paperwork.
Your feeble carrier won't cover anything beyond the see date.
Was this disclosed on your application for the spanking new condition insurance?
Any robustness insurance application I enjoy ever see asks around previous hospital admission. You said you go to the hospital two times and both times you needed an aircast and crutches.
If you disclosed the certainty that you be hospitalized twice for a problem at the exceptionally smallest the insurance would be issued near a rider excluding coverage for your knees for a specified minimum length of time. The company could also hold decline your application adjectives together have they certain of this condition.
You cannot be in motion hindmost to your previous insurance because it one and only covers treatment while the policy is surrounded by effect.
I know this isn't what you want to hear but merely be glad that your latest company is not rescinding your policy from its inception.
Business insurance surrounded by san diego?
i call for to procure liability insurance and workers compensation for my insurance, i dont inevitability big or expensive ones since i scarcely started my business and its small, any companies would be fine, thank you!Answers: Unfortunately, as you know, everything is across the world more expensive contained by California, although expensive may be a relative occupancy since, across the world speaking, populace craft complex wages surrounded by California. I would recommend you speak beside your local independent insurance agent to determine which market would be best suited for you.
Depending on the type of company you own, nearby may be some companies that WILL write Work Comp for you as a clean business. General Liability will also be hit and miss depending on your type of business. That is why I recommend an independent agent, they will enjoy access to multiple market and can find the right one to cover your business correctly. I'm sorry to be so blurred but minus knowing what variety of business you are starting, it would be virtually impossible to recommend specific companies.
Also, Burns and Wilcox is a broker that is to say access through an independent insurance agent. Unless you are a General contractor or a roofer or something as risky, Burns may not do the best duty for you. Talk to an independent.
Good luck to you!
Well not a soul is going to write workers comp for a strange business, except your state fund. But anything agent you move about to for the liability should know how to aid you on that.
You obligation a local, independent agent to catch you your insurance. Most standard companies won't touch a 'startup' business, so don't be surprised if you closing stages up beside a non-admitted carter.
Depending on what type of business you hold, the liability is probably going to start at $750 or better, and the workers comp at $200 (for clerical solely businesses, approaching accountant offices) and up.
What are the determining factor surrounded by choosing one salary plan over another?
Answers: For me, its simply the dimensions to payment the premium.
Most insurance companies that I deal beside encourage
stipend of contribution of premiums annually or semi-
annually by setting lower premium amounts as compared
to monthly or quarterly premium payments.
Cost. That's it, pure and simple.
Has any of you ever used NYS Child Health Plus insurance?
My husband only lost his livelihood and near it his benefits. We enjoy a 22 month antiquated daughter and I don't want her to be in motion lacking any coverage! He a moment ago lost it so we haven't even started a moving on plan however but this is my #1 issue!!I read a bit something like it on the NYS site but I be looking for personal experience. Do you acquire to choose your own Dr? How much does it over??
Thanks so much for your support!
Answers: Child Health Plus (CHP) is a great plan. It covers pretty much anything - soup to nuts, regularly including dental - until the kids are 19 years outdated, and the premiums are intensely affordable. (Most of the ones I know of are smaller quantity than $50 a month per child.)
Since within are diverse CHP plans, hail as your pediatrician and ask which ones they hold. Often, you do bring a choice between several plans (In my nouns - which is Orange/Rockland County - we enjoy the choice between Blue Cross Blue Shield, Wellcare, Fidelis, and several others - here may be other choices where on earth you are.) You do catch to select the doctor - as long as they're on the plan, and most of them are - but sometimes, they mis-key the screening, so when you take the cards, double check the PCP (primary prudence physician) to formulate sure they put the right one. If they didn't, telephone them right away so they can fix it and distribute you a untried card. You also hold to be dilligent going on for recertifiying every year - otherwise, they drop you approaching a hot rock. (Recertifiying take something like six weeks, so manufacture sure you grasp the paperwork at tiniest eight weeks in the past you involve to!)
Honestly, I will they have "Grownup Health Plus", it's such other!
I hold never used it myself, but I am a billing commissioner for a medical facility. Shop exceedingly particularly back you select a plan. They are not adjectives alike. The available plans depend on where on earth you live. Assuming you live contained by one of the 5 boros of NYC or Nassau county, you enjoy some excellent choices. You most probable will own to select a primary aid physician, but most of the networks are so full-size that shouldn't be a problem. I suggest you telephone her pediatrician and ask which plans they contribute next to. Good luck!
If i progress sour ssi?
what other INS. will relieve me achieve my meds so i can be in motion support to work?Answers: Assuming you're on SSDI and Medicare, you can try applying for Medicaid.
Just Medicaid. People can work & still catch SSI; it will exhaust the amount you take but you can still be eligible & will hang on to your Medicaid. Call Social Security and find out what the cut sour is surrounded by yield. You might be surprised.
How undamaging are Aig annunitys .They are not Fdic insured?
My wife and I respectively own AIG annuitys .They are not FDIC insured. How past the worst are they . Can they be rolled over to a FDIC insured fund?Answers: "Funds", as within mutual funds, aren't insured. NO ONE guarantees investment money, except insurance companies surrounded by annuities.
How locked is it? Well, they aren't FDIC insured, but if they're admit to do business within your state, and the annuity is a fixed annuity, it's back by your state insolvency fund if AIG go lower than. Which, btw, they aren't going to do, because they are A rate, and massivly big.
If your annuity is the result of an IRA, 401(k) or 403(b) tariff deferral, you can roll it over into another tax-deferral. Beware that AIG will probably charge you as much as 10% surrender levy. Read your contract VERY favourably.
AIG is conceivably not dangerous. However, I rolled over my 403(b) to Fidelity almost 5 years ago. Annuities are poor investment vehicle.
In adjectives states I can believe of, here is a state guarantee association. In NC, it insures adjectives insurance contracts up to $300,000. G00GLE your state's leap and "state guarantee association" to find the protection on your contract if AIG default.
How to login to SBIlife to check my fund convenience Unitplus-II? I could not found the password for my policy,?
I enjoy invested surrounded by SBILife just this minute, I would similar to to know how to login to sbilife to check my fund(mutual) appeal. I enjoy recieved my details but I could not found the password for that, can any one push for me what does the password for my login, I am confusion.Thanks In Advance.
Jee
Answers: You don't have need of to login to check the web asset utility of your mutual fund. When you run to their site in attendance is a scrolling message that say "click here to panorama hottest part values of our products". When you click on that scrolling streamer it will uncap a different page next to the different products displayed a short time ago click on the intertwine to the product you own.
Signing up for robustness insurance?
Hello,I am signing up for form insurance beside 5000 deductible and a $280 premium a month for 2 adults. Now, the application asks when I would resembling to start the insurance policy the 1st of a month or the 15th of a month. I would close to to know whether to keep on and start on January 1, 2008 near a fresh up to date year. Or sign up for the insurance to start on December 15th, 2007. What are the negative or the positives of doing this. I realize this year is coming to an closing stages and I hang on to thinking i'm better of waiting until January 1, 2008.
What do you give attention to?
Thank you greatly! :)
Answers: What if someone runs you over contained by the shopping precinct parking lot Christmas shopping and they drive away?
What if you slip and dribble impulsive on New Year's Eve?
Are you a gambler?
Do not dally. Get the earliest effectual date you can. I would catch a short possession form insurance policy to cover the interval of time you are uninsured.
We adjectives know strength is a fragile entry. You could rouse up tomorrow awareness a bit out of sorts and subsequently find out you own a serious disorder which could be considered a pre-existing condition not covered by your modern insurance policy.
Get the coverage immediately.
It doesn't issue - You can achieve form insurance quotes from different agents within your nouns by nourishing out a quote form at http://www.myinsurancequotes.lattice. Make sure you are getting the best operation because prices rise and fall alot from company to company.
Jared Balis
http:www.utahinsurance.org