Can you get insurance for simple everyday accidents? Like if you're in the store and you knock over a dislplay
Answers: Personal liability policy is required before you get a personal umbrella. You can get personal liability in just about any homeowner/renter policy, or stand alone.
Once your personal liability is exhausted, THEN an umbrella drops down. Your personal liability policy is portable. It can apply whether you are in your front yard playing with your kid, and his baseball lands through someone's windshield, or if you are in India and run over someone's foot with a cart.
I wouldn't suggest turning in EVERY everyday, simple incident, or you will make yourself too uninsurable.
See, little stuff happens, it just does. And if you file more than one or two tiny little claims like that, no one will insure you for the big claims.
When you have insurance that covers EVERYTHING, when you don't contribute to it (think, pay a deductible), then you (not specifically you, but people in general) get very lazy about preventing accidents. It's called a "morale hazard", when you don't care if something happens or not, because hey, the insurance company will fix it, right?
So small little things like that aren't going to be covered.
Larger things, like you knocking over a ming vase accidentally, might be covered under your personal liability section of a homeowners or renters insurance policy. So you CAN get a personal liability policy, to cover you, if someone sues you for ACCIDENTAL, unintended, and unexpected damage. subject to policy terms, conditions and exclusions, of course.
Should smokers, indigestible drinkers and overweight citizens be required to rate more for condition insurance?
It seems undue to me that everybody pays the same price. The in shape subsidize the slobs who require more long term guardianship because of their habits and addiction.Answers: Every single person on this floor does something that is not healthy/good for them. Whether it is drinking junk food, drinking alcohol or soda, smoking marijuana or cigarettes, NOT exercising or over exercising, not wearing their form belt, etc. etc. etc.
while smoking and drinking are a choice, some overweight people are not overweight because they tolerate themselves go. Some cloying people i know clash genetics tooth and fastener with both diet and exercise. you may believe that you are a on form weight because you work so not easy and diligently, but you are also lucky to have the genetic endowment that you own (i think nearly this every time i slip into my 33inch waste pant... not that skinny but it could be so much worse!) i think you should be massively careful surrounded by categorizing incredibly different groups together all as "slobs" and [addicts].
very soon all that one said, i think that smokers should pay cheque more for their habit, but to be exact already being done surrounded by the form of huge taxes on cigarettes. we do need to duty and discourage smoking, but we have to do so lacking being pejorative toward smokers because they are also relations deserving of respect and dignity.
Considering that your attitude (as i perceive it) does not really discourage smoking but it does make empire feel discouraging, your comment is part of the problem and not quantity of the solution
What about skinny populace in Alaska who hold more health problems contained by the cold weather?
Smokers are usually thinner, so it may balance out.
Moderate drinking can generate some people in good health.
People who spend too much time in front of computers should hold higher rates because of he increased cancer risk.
Insurance companies own enough reason to refuse to wage what they promise, why give them more reason?
To a certain point, they already do. Their premiums for health and life span insurance are much higher than your average non-smoker/non-drinker.
Long Term Care is base similarly to Life Insurance, and they pay according to the underwrite terms on the LTC policy. Usually, it is better, based on their lifestyle.
But...anybody who have a higher risk lifestyle pays. If you are a skydiver, stunt man, or something approaching that, you will be charged more because it is nearly certain at some point you will own an injury or claim.
Smokers ALREADY pay more...
So, where on earth do we "draw the line"...?? Some folks are overweight (or look to be so) because of anti-rejection drugs from transplants..do we fine them, too? So what's a heavy drinker? One beer? Two?what?
Suppose something happen in your duration to change your counterbalance, or drinking habits..even for a conditional period of time? What after? Do you want to also include those that get say-so, heart disease from HEREDITARY factors? How roughly those in extreme sports or risky job?
You're opening up a can-of-worms that have no right or wrong answers...just prejudices and innocent talking head.
Well, overweight people DO income more. Smokers and drinkers? Kinda hard to narrate.
And there are plentifully of other risky, voluntary behaviors - do you think we should charge extra for inhabitants at higher risk of aids (homosexual men)? How more or less women of childbearing age (labor and delivery costs!) How in the order of sexually active inhabitants who aren't married (STD's)? How about every blessed 16 year elderly, newly licensed driver? Kids that play sports??
At some point within time, the number of different groups you'd have to break out become unweildy. From a practical point of view, the more rate classes you enjoy, the more it costs the insurance company to promulgate rates and track profitability in a class.
Additionally, every state's insurance commissioner have to APPROVE the rate differences, and the commissioners that are political appointments, well, axiom, Hey! I'm allowing insurance companies to charge more for fat inhabitants (30% of the population) isn't exactly politically correct. They won't keep their job.
Lastly, there is such a entry as a social concience - being your brother's curator. We do have a responsibility to respectively other, as decent human beings. I, for one, am optimistic to pay a bit extra for my kids' vigour insurance, knowing that one in ten thousand kids next to the same insurance rates will know how to get chemo if they develop leukemia.
Hey... and the culture that don't work out at least 1 hour per daytime can pay more because it's proven that exercise keep you healthy
and the ancestors with giant cholesterol can pay more (too much red meat you know)
and the ancestors that work in lofty risk jobs that are more promising to result in injury (because they picked their mission - they could have picked a safer job)
and the general public with a history of cancer within their family because they are more credible to get cancer
and the inhabitants who do not keep their homes tidy and tidy because there are more predictable to be germs
and the people who don't dust their hands frequently because they are more credible to get sick and to spread sickness
.. see the problem. It become a slippery slope and where does it stop?
When we register LIC policy through online do we call for to supply the twelve-monthly premimum amount or single premium amt?
I have registered myself as a policy holder within LIC. But I am not sure how to add my policy details contained by the site. I pay the premium quaterly. Do I call for to mention the quaterly premium amount(Rs 1000) in the LIC.com or the twelve-monthly (4 quater amount added (Rs 4000)) in the pasture. Please reply back. ThanksAnswers: While enrol your policy with LIC's website Licindia.com,the premium you income according to the mode is to be enterered along with the policy number. . In your skin you have to enter is Rs.1000/- quarterly premium. If you enter any other amount the site will say aloud wrong premium.
good luck
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