Auto Loan Withdrawl?
I have already signed the papers for the auto loan, and the private seller's mound was already rewarded by my bank (he owed money). However, I enjoy not turned in the title and proof of insurance, nor own I received the car nonetheless from the seller.Is it still possible to retract my loan without problem at the sandbank, and my bank will be refund in full? Thx for any aid... 2nd post for this because I really need to know :)
Answers: Firstly I am not a attorney so I can't be sure, but if the seller have not provided the vehicle you could still be fully liable for the loan as your bank have fully held up their end of the contract next to respect to the loan.
If the seller have not held up to the agreement you will most likely hold to hire the services of a lawyer and pursue the retailer for return of the money owed, but you need legalized advice to see how to dance about this.
I would suggest your first point of ring is to read the loan agreement in full so you know adjectives the relevant legal details, and after consult with your edge on the matter, they may be ready to help you although the likelihood are they are not obliged to do so. At the drastically least they may be capable of give you some pointers on how to bear the issue up further.
I wish you luck, hopefully you will find some method to land return of the funds which were defraud from you, although perhaps the lesson here is not to verbs funds to sellers until you are taking possession of the merchandise.
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I need some health insurance & im not sure what to choice so can u guys tell the insurance u have & is it good
Answers: Most people have a group health plan through their employer. So, for example, unless you went to work for my husband's company and got the same group health plan options, it's pointless to know.
BUT, for what it's worth, we're with Cigna. And I'm an insurance geek, and know how to do things the right way, and I've NEVER had to fight with a health insurance company like I have to with CIgna, CONSTANTLY, to get things covered.
The latest? My last birth was a C section. They are denying coverage for sewing me back up after the birth, as it's not a "covered procedure".
So, if you have a choice . . . don't go with Cigna. Coverage is great . . .when they honor it.
The type of health insurance would depend on your situation. If you aren't employed or your employer doesn't offer group health insurance, and you aren't living below the poverty-level so you don't quality for Medicaid, and you aren't a student so you can't purchase a policy through the university, I would say you are a candidate for an individual health insurance policy.
My rule of thumb when advising friends is to avoid the new companies who have popped up to fill the need for individual health insurance. One company, Mega Insurance sells policies that seems ok although they are expensive but little catches are there that minimize their cost. For example, one small difference between a name brand insurance company and Mega is that radiology expenses are capped at $2000 per day. Well, reading that you think who spends $2000 per day on an x-ray?
Then,you see your doctor for the second time for the same headache that hasn't gone away in two weeks and he orders a CAT scan and an MRI (which happens to be billed under radiology) and all these tests are performed on the same day. There are some concerns and they do a few more tests and this is still on the same day. When you get your EOB from Mega, the billed amount is $8000. Mega applied your $250 deductible; then paid 80% of the allowable charge which is $2000 since they cap radiology charges at $2000 per day for a total for $1400. You owe the hospital $6850. I'm not making this up. That may have been one policy and they may have changed it but I like to stick with insurance companies who have been around for years and have an A+ rating. If the sales rep. cannot tell you the companies rating, don't go any further.
Individual health insurance is regulated by the state so you need a licensed agent from where you live.
For individual health insurance, I like Anthem. However, individual health insurance is expensive and if you have pre-existing conditions you may not be able to get it at all. Remember the sales rep. isn't your friend. S/he wants to make a sale so although they will be friendly and helpful be sure to read over everything yourself. Ways to lower your monthly premium is to increase your annual deductible and eliminate coverage you don't think you will need. My husband is healthy and a non-smoker. After getting quotes from three companies, I selected a policy with a $2500 annual deductible, no mental health coverage and coverage for only generic prescriptions. The premium is $52.20 per month. You have to make choices that fit your lifestyle and your budget.
hello,
if you read something about health insurance
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The best thing to do in my opinion is to talk to a local agent. They can help you decide which plan will fit your needs best and at the most affordable price available.
To connect with a local agent, fill out a quote form at http://www.myinsurancequotes.net. A local agent will contact you and help you through this. I hope that helps!
Jared Balis
http://www.utahinsurance.org
I only just get my license; im 17 do i have need of insurance because my parents name are on the insurance policy?
if i do, can i still drive?Answers: You need to be added to the policy as a tabled driver.
It depends on what state you live in.
For example, within Michigan, it's the vehicle that is insured and not the driver. However, if you live near your parents and you have a driver's license, they will give you as a named insured on their policy.
Your parents involve to advise their insurance company that you are presently driving so they can add you to the policy as a covered driver.
With my company, you'll still be covered even if they don't make the addition of you to the policy, but to be fair to the insurance company, you should be paying an superfluous premium since their risk for paying a claim has gone up.