Do I hold to inform my insurance company nearly smoking?
I'm 19 and still dependent on my parents. I smoked a cigar the other day(it was horrible by the way) and that's the solitary time i've ever smoked. I don't really plan on smoking again so do i have to put in the picture my insurance company that i am a "smoker"? i really don't want my parents to know because they are extremely religious and conservative (it was a cuban cigar)Answers: No, you don't hold to tell something like one cigar. If your parent's insurance company isn't requesting blood testing (which would reveal the cigar if inwardly about 3 weeks) later you are safe.
The insurer would be concerned in the region of your health if you be a regular smoker. One cigar won't do it.
Which insurance company are you talking around? You're way too immature to have a stipulation for life insurance, and none of the other ones are going to protection.
When is it obligatory for a small business to hold commercial auto insurance?
this is a small family business. no team.Husband and Wife team.
Answers: Because you're a business and not an individual - which scheme that your potential liability is much greater. It's the same as your homeowners insurance - if you run your business out of your home and don't enjoy commercial insurance and your house burns down, no part of your commercial busines will be reimbursed.
Well, it depends. I don't resembling to give that answer, but it is the truth. Every business have different risks and considerations. With a small business like this, you may know how to add some endorsement to your homeowners insurance. There are endorsements that include specific liability (like for having customers at your home) and others that cover you business assets. That said, you may still want to consider a commercial policy for only just your business as they typically offer more coverage for your business.
Start next to your existing insurance agent; the person that sold you your homeowners can minister to you make decision about what coverage you requirement. Before you do, make a index of all of your business assets (mostly the big ones) and create a description of what you do for your business. Think just about all the culture you interact with within the line of business. Discuss this beside your agent.
Good Luck!
Good question... Can I ask what type of biz? if you are a corporation and hold bought the cars in the Corp signature, you will want the named insured(corp name) of the policy to meeting the registration... You may also want higher limitations of uninsured motorist coverage because you may not have work comp.. In the event you are injured while driving by an uninsured motorist, your strength benefits may not be enough. You may also requirement and want what is called non-owned and hired auto coverage.. This is liability for a vehicle you dont own or ons surrounded by which you hire/rent.. Remember, an employee driving his/her own vehicle on company time puts YOU at risk. This smal coverage can be a enthusiasm saver and is lone avail on a comercial auto policy.. I would switch from a personal to commercial no matter what.. The price chnage isnt that much
I am looking into have lapband surgery but I obligation a vigour insurance plan that will cover the surgery!?
I may need an individual policy but really unsure please oblige!Answers: You're not likely to enjoy any luck in the individual vigour insurance market. If you're obese adequate that the surgery is medically necessary, most individual insurance policies will proscribe coverage to you. And any company that might offer coverage to you would exclude weightiness loss surgeries.
Your best bet for potential coverage would be through an employer group policy.
Obviously, being covered beneath an employer policy is no guarantee that you'll have coverage for lapband. First, the policy have to be one that does not exclude lapband procedures. And then, you own to go through the prior approval process to demonstrate medical necessity.
Despite those difficulties, employer group coverage is still far more credible to be an avenue to cover such a procedure for you than any individual policy.
Very few insurance policies pay for cargo loss surgery.
However, you can see if your Dr will accept Care Credit. I've see this most frequently at vet's offices but it's not only for animals. It can also be used to finance procedures for family.
www.carecredit.com
Well, good luck on that individual policy. Insurance companies don't HAVE to help yourself to you, and if they do, they'll exclude coverage for stuff that's already wrong with you, close to obesity. BUT, if you're obese, they're feasible to just flat out decline you, because of adjectives the extra health issues involved.
They're contained by business to make money - so they can stay contained by business. They aren't going to knowingly pocket on an insured who is GOING to cost them more than they pay contained by.
Many states allow insurance companies to flat out exclude weight loss surgeries, approaching lapband, also.
Your BEST bet is to get onto a group policy through your employer. And if you can't attain coverage through your employer, you'll just enjoy to come up with the money for it yourself.
Some will, some won't. I use a medical discount plan; it have no pre-existing condition stipulations and you can use it for lapban. A patient advertiser will go to the hospital and negotiate your bill for you. Worth a try anyway www.betterbenefits.info