Insurance Questions and Answers

Is near some chirpy environment between insurance, establishment benefits, and paying out my ar$e for medical bills?

I'm poor. not dirt poor, but just by a hair`s breadth above it.
so i cannot afford insurance. i don't like person a dependency & having fellow due payers help reduce my debt with doctors any.
the jobs around town don't recompense enough for me to rate on my own. those that do ask for more experience than what i got.
what can i do?


Answers: What is the middle ground of a tripod? That's what you're asking for.

Do you stipulation Insurance to put on the market Frozen Food? Anyone know any insurers?

I have not on the other hand begun, but would similar to to start at some small local stores. We're talking perchance a few hundred dollars in sale a month only. This is done out of my house. Does anyone know anyone specializing surrounded by this type of insurance and if I need it?


Answers: You won't find a store ready to let you drive onto their lot short commercial auto coverage. YOu won't find a store willing to permit you step in their door minus workers comp coverage. ANd you won't find a store willing to buy your product, short general liabiliyt AND product liability (think food poisoning) coverage.

Can anyone tell the pro and cons of have auto insurance with AARP?




Answers: AARP's program is a "national" account - underwritten by the Hartford Insurance Company, which has been around for a LONG time - so, the company, as a whole, is pretty solid.

The drawback with a national program is having a national agent that handles your account and NOT someone that you can go visit and sit down across the desk and get answers. Sometimes you might not even know what questions to ask, and that is what we (an independent agent) do a lot of - is counseling.

Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement.

The best thing to do is call a LOCAL independent agent. Don't go across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies.

An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.

In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records and have companies that specialize in the Senior insurance market, and from time to time - have gone "head to head" with The Hartford rate thru AARP (which by the way is less expensive than The Hartford agent "down the street" can sell it to you for!

Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem!

Good luck, drive RESPONSIBLY and I hope this helps!
It's not AARP's insurance. They aren't an insurance company.

They put it out to market, and whoever promises a larger discount (where allowed by state) gets the referral. All they do, is refer you over to someone.
AARP auto insurance is underwritten by Hartford, AARP just puts their name on it. Hartford is a decent company but you should also visit a local independent agent to see what else is out there for you.

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