I can't win insurance, what do I do?
Question:
I am 20 yrs old, I inevitability commercial auto insurance for two trucks. Isuzu NPR-HD's one new, one used. (2007 New, 2001 w/177K) both at 14,500 gvw. the trucks are small and the business impression is simple. Haul away peoples unwanted stuff to the dump, but the insurance won't cover me. Anywhere. I've been told to try to find a start up insurance company to appropriate a gamble one me, how do I find one? What else can I do? Please insist on. Thanks!
Answer:
Progressive will write this. It's REALLY REALLY REALLY expensive, because 1. you've got a driver beneath 25 (you) 2. you've got a 2007 truck and 3. you're hauling for a allowance - just roughly the highest rate class there is. Plus, they'll be rate retail (going to people's houses) use, intermediate range.
Even if you be 30, this would cost you, oh, maybe $18,000 a year. But as a 20 year frail, I'd expect it to cost you closer to $30,000.
My suggestion? Buy old trucks. Start next to ONE, not two. Pay cash for the truck, or attain a personal loan, so you only have need of to carry liabiltiy for the truck. Then you might find the pricing to be newly under $8,000 a year.
Go to a independent insurance agent, look surrounded by the phone book. Ask your auto insurance agent who he refers his nonstandard business to. Progressive is the #1 writer of commercial auto in the US beckon a local agent, If you didn't get any support check online they are wanting to help you. Heck telephone call me I could use the money if you are in TN or GA. I am a agent contained by Chattanooga, TN.
Most of the online quote request places you go to will want information that will be sold to a agent that will telephone call you later. Try Progressive at http://progressive.com/
The winding up price has to masses variables to give a estimate. Here are some of the things that drive a commercial auto rate price.
1. Where you are (different counties as very well as states have different rates)
2. The resourceful price of the truck you insure.
3. The size of the truck (the bigger it is the more damage you could do)
4. Your credit presently plays a part within almost every state (poor credit means that you might not hold the money for regular maintenance. That is the flimsy excuse that they use)
5. How much experience you enjoy in the grazing land of work.
6. The radius that you operate in.
7. The age of adjectives the drivers (the younger the driver the higher the price)
8. Full coverage vs. liability solitary (you can save over partially the insurance price by not needing comprehensive or collision)
9. The type of driving (a set plan vs. a for hire have a rate difference)
10. Prior insurance (if you have prior commercial insurance and coppers it is cheaper)
11. Having Commercial Liability (if you have a Commercial Liability policy you attain a slightly cheaper price)
12. Your specific state regulations (every state has its own rules that companies enjoy to comply with)
I have a client next to a commercial auto policy that cost him about 2K a year per vehicle he add note to be precise liability only. (dump truck, bucket truck, ect.) His big nice 50K Ford pickup cost him close to 3K.
Most but for every state has a "pool" that make companies take insurance policies at a state set price (It is high). The problem next to trying to get a pool policy is that insurance agents work for commissions. The pool doesn’t reward for the amount of labor involved in writing and up keeping the policy. Most agents will smartly run from anyone that can only be insured surrounded by the pool. But agents are more likely to write them if it is for a client that they already enjoy other policies for. Agents also have a opinion of who is willing to write that type of business. If you name someone and they turn you down ask them to refer you to someone else instead of just calling the subsequent number in the phonebook. Last of adjectives be patient beside the agent, I had a client that I be trying to write a nonstandard policy for. The company took 3 weeks to get me the quote, not the policy the quote. Call posterior once a week to check on the progress if someone is willing to do the legwork be nice and not pushy.
Try this site. It have multiple companies that will give you correct auto quotes and be careful how much you disclose nearly what you do exactly
Actually, most states have a state-mandated high-risk insurance pool for basically this purpose (because most of them require insurance on any vehicle with an alive license plate.)
However, you might have a difficult time finding anyone who know or wants to quote commercial risks through them.
If you're surrounded by Virginia, it's called the Virginia Automobile Insurance Plan. I couldn't update you the names within other states (but I'd presume they're equally original!)
At any rate, you may want to check into an agent who specializes within commercial/business insurance. (Most don't. And it's a completely different world in like mad of ways.)
However, I'm certain that you'll find the rates are exceptionally lofty, particularly since I assume you would requirement full coverage on the new truck. When I read out high, I tight you're probably looking at $2,500 per year, per truck for just the liability. And that's a conservative estimate.
Try the below company
Whats up next to all you contact spam faries on this thing.. Have you no shame at adjectives!
You could also try some E&S (excess and surplus) companies and see if they'll do it. The independent agent will also be able to backing you locate some. If that still doesnt work, get on InsuranceJournal.com they hold the most comprehensive list of stuff available
you own another option bar our own policy.. if you another company n the same industry.. you I don`t know able to sub-contract for him.. do a contract beside him that you will sub for him.. you get to build your client Base.. he take a percentage, that would offset his insurance his ins cost. Have an attorney draw the document. Make sure he's a biddable friend.. preferably one that's looking to retire in the subsequent few years. it's a win-win for everybody.
A company I deal near is insured and bonded. How do I grasp the information on who they are bonded through?
Question:
Company did not complete contract agreement. They also did not comply with the lingo of Better Business Bureau arbitration which decided heavily contained by our favor.
Answer:
They should have, but are not required to, provide you near the information on who they are insured/bonded with.
Regardless of who it is...their insurance and bonding agreements are between the company you deal with and the insurer/bonder...not you. So you don't hold an automatic right to know who they are and you don't have an automatic right to record a claim directly with the insurer/bond agent.
The appropriate process is for you to lift court action against the company and win a decision. The company you dealt near can then any pay you directly or profile a claim with the insurer/bonder.
On your initial contract here should be an insurance number somewhere.
Well, the bond means NOTHING unless you are the obligee.
Let me explain . . . a bond is a guarantee, from the insurance company, to THE NAMED ENTITY ONLY, that the company will complete the contract agreement. The bond is issued TO THE NAMED ENTITY when it is first taken out.
If you be not sent a copy of the bond, then that scheme the bond is TO SOMEONE ELSE, and won't help you out AT ALL. So bonded, yes, but that channel SQUAT unless YOU are the obligee - which you are not.
So you won't be able to collect on the bond. You're going to hold to sue them in court to win any $$ from them. Sorry.
Can a company bill you for the first time for something from 2 years ago?
Question:
Answer:
Yes!
OF COURSE THEY CAN...
IF YOU MADE A PURCHASE...OR CREATE A DEBT...
What state do you live in?
definitely!
Some states (such as mine) limit the time an insurer have to notify you of a billing discrepancy. Call your state Workers' Compensation Commission (or state Department of Insurance if your WCC isn't a separate agency) and ask what the laws are in your state.
It's an audit, not a billing discrepancy. You were undercharged and base on the audit you owe the company more money for what they were insuring you for.
You owe them the money and audits can pinch a long time to complete.
I am separated from my Husband. Can he stop my vigour insurance?
Question:
I recently separated from my husband, I am covered beneath his health insurance. ( Blue Cross Blue Shield) Can he go against my health insurance? I hear somewhere that he couldn't. Is this true? I have an upcoming surgery and stipulation to know for sure! Thanks...
Answer:
I would recommend you speak to an attorney. I've been an insurance and financial services professional for over 30 years, and I've see angry spouses and ex-spouses ruin one another financially over things like this.
I don't mingy to disagree with the first commenter, but calling the insurance company and getting your own policy would not be contained by your interests. Your pre-existing condition would likely not be covered at adjectives under a current policy, and if you get an entirely tentative policy (not COBRA), they are not required to accept you or to cover your existing condition.
Your estranged husband might be a great guy, and y'all might be getting along great right immediately, but don't ever put it beyond a vindictive ex-mate to get revenge.
In some states you can get hold of temporary spousal support or consideration. Or, you may lately get a court establish which requires him to maintain the insurance coverage as it be prior to the separation (include any life insurance and beneficiary designations to be maintain in like manner). But, IF YOU DON'T GET LEGAL REPRESENTATION YOU ARE MAKING YOURSELF VULNERABLE!
If you have children, next you need to be sure he continues to provide insurance for them, as powerfully.
Additionally - and I know, most people speak, "oh, I don't want anything, I just want to verbs." You may say that very soon, but the future might be tremendously different.
What if you become uninsurable as a result of your medical condition? What if you can get insurance, but it will be heavily endorsed for your condition, or the premium increased? What if he dies in the past the divorce is final? Or, if you have children, what if he dies since his child support obligations abandon?
With a good attorney, you can require that he verbs a life insurance policy equal to the amount of adjectives unpaid child support (or in states where on earth alimony is required, equal to unpaid future alimony payments). If he dies, that doesn't denote those obligations should be erased. An attorney can require that he argue, and pay premiums for your coverage - at lowest through the time you are entitled to COBRA coverage.
PLEASE! Don't take this delicately! You have an prerequisite TO YOURSELF to ensure your future. Whether or not the two of you remain together, his portion in that duty (depending on how long you were together, how copious children, and economic and property status) his cut in that requisite does not end a moment ago because the marriage ends!
If it's his condition insurance and he is the policy holder then he can control who else is on his policy beside him so yes he can remove you. Sorry!
Phone up the insurance company and say you yearning to be transferred to your own policy on the same language. They should do this for you and then you will be contained by control. Beware of any restrictions on your policy as a new customer (qualifying period etc) if you are planning to make a claim soon...
Depending on your state Yes he can. I not long went through like thing beside my now ex but we worked it out to where on earth he kept me on until after the divorce was final.
He will own to go to Human Resources of his company recount them the situation and then you are removed.
Good Luck and Been There
I am sure he could reverse or remove anyone he wanted, as long as he salaried the bills.
Can you call the insurance and see if you are still covered? If you and he seperated on obedient terms, after he might not. If you did under bleak terms, consequently he might have done that already, however, he might not even be thinking more or less it right now.
The individual way you will know for sure, is to call for them and make sure your given name is still on it.
You need a legal representative to draw up legal seperation papers that specifically state that he must hold on to you covered. Some employers will drop you themselves if you don't hold legal documentation.
Sorry for your predicament.
Yes he can reverse your coverage.
If this progresses to a divorce and you have children together, you want to address life insurance on respectively of you in the divorce bill. I suggest that you own a policy on him (and vica versa). You should also look into disability insurance for yourself.
Talk to an agent
Good Luck.
During the open enrollment interval with his employer, he can retract you off his policy. Outside of the unfold enrollment, he needs to hold a "qualifying event" to quash you from his insurance. You'll have to check next to his HR department to see if a legal seperation is a qualify event in your state.
Divorce IS a qualify event, so as soon as the divorce goes through, he can overthrow you.
Most companies have amenable enrollment in December, so it's possible he already did delete you. You can give the name the number on the back of your insurance card, and ask if 1. he cancelled you and 2. if seperation is a qualify event. They might not know the answer to #2.
If it's a private policy, he can make any change at any time.
If its a group policy through his job, they probably won't agree to him take you stale in the middle of the year lacking proof of separation. (i.e. divorce papers). If he has documentation, they will most possible cancel it successful the day of the divorce. Otherwise he'll own to wait until his clear enrollment period. Either passageway, if he does figure out a track to convince them to drop you, you'll be eligible for COBRA. Call the insurance company, see if they have a contact available through his HR, they can bequeath you some specifics.
If its a private policy, he can do whatever he requests.
Does Worker's Comp cover Carpal Tunnel Syndrome?
Question:
If you work as a secretary and work on the computer all time long, would Worker's Comp. Ins. cover your loss when it comes to Carpal Tunnel Syndrome? Plus, what exactly would they cover? The medical costs or the loss of wages? How does that work? I have be with this company for nine years and I know I am nominated on our Worker's Comp. My hands hold been hurting desperate lately with numbness and adjectives. Would like to know how that works - appreciation for your advice!
Answer:
Yes, carpal tunnel is one of the most expensive items to a Workers' Comp insurer. Workers' Comp would pay packet all medical expenses required to cure and relieve the condition, as economically as temporary disability to receive up for part of the wages lost during any time that you can't work. In some states you may also qualify for irreversible disability. The amount covered varies widely by state. Talk to your employer's Workers' Comp insurance company, your HR department, or your state workers' comp rule for more details.
Possibly, if you can definitely demonstrate that the injury is work related. Workers compensation provides both reimbursement of medical costs (i.e. vigour insurance) and reimbursement of lost wages (i.e. disability insurance). In order to folder a claim, you need to contact your Human Resources/Personnel Department and request claim file instructions. Another option is to use your regular vigour insurance and sick day (i.e. disability) programs. I suggest that you contact Personnel and want their recommendation as soon as possible. The most critical issue is to find proper medical care to address your condition - not which policy to use.
It should be covered but if your insurance have it listed as a disability they may not and they will fashion you file disability. I'm within New York worked for UPS out of one of their New Jersey centers and when I was hit by a motor at a customer site I learned the firm way workers comp have different rules they go by base on State, type of injury and other factors. New York would hold allowed me to see any qualified neurosurgeon, but New Jersey law allowed the insurance company to transport me to who they wanted. Seems every one of their selection was more than 40 miles from where on earth I lived, They made it as inconvenient as possible. They did pay for the visit to their doctors and my lost wages but with the plan we have I had to use 3 sick or time off days before workers comp kicked within. If your job and workers comp insurance empire start giving you a hard time and the run around get hold of a lawyer. I'm on disability in a minute and it's a slow death. I'd a bit be working with dull pain than sitting at home.
if it did everyone would be out of work.
What EXACTLY Workers Comp covers varies according to state ruling. Yes, if the carpal tunnel is caused by YOUR profession, then it's covered by workers comp. It customarily covers lost wages if you are out of work long enough (there's usually a waiting interval which varies by state, between 3 and 7 days), and medical pyaments.
What you do, is budge to the doctor. It's POSSIBLY carpal tunnel, and possibly something else. Workers comp does NOT EVER pre-approve claims. First you go to the doc and receive it treated, then you submit the bills to WC for reimbursement. BEFORE you jump to the doc, you need to report it to your supervisor, so they can folder the claim.
Whether you get anything from your claim would depend on what the physician say. IF he gives a diagnosis of CTS due to work next your claim will go more smoothly. The average compensate on a worker's comp claim is 66 1/2 of your normal compensate for a certain amount of weeks. After those weeks are up, the workers comp folks will re-evaluate your claim and according to whether the physician states you can turn back to work or not will determine whether they will verbs to pay.
medicare claims?
Question:
How do I obtain a EOB (never received!) for out-patient hospital services?
Answer:
You should be capable of go to medicare.gov and sign up on My Medicare and land copies of any forms you need.
Call the number on you Medicare card. They can abet you.
Call the number on the back of your card, own the date of service handy, and ask for a duplicate copy.
call 1-8OO-MEDICARE
You will own to give them your Medicare number and other personal information, next the date of service and the doctor's name.
All of these answers are wrong! An EOB is the billing the hospital/doctor uses to bill Medicare and your insurance company. Most of the time this get to Medicare, and your secondary insurance never get it. If this happens, phone call the doctors' office and homily to billing. Let them know that you need the EOB sent to you ASAP. Your insurance company will settle directly off that. What Medicare sends you and have a copy of is the Medicare Summary of Benefits. This shows what they have compensated. The EOB will show what was billed to Medicare, what they salaried for, and how much the remainder of the bill is. Get the FAX number or address for your insurance company, write your policy number on the EOB, and print "PLEASE PAY PROVIDER". They will pay their 20% directly to the doctor/hospital. I do this every hours of daylight for my clients.
Bonding insurance?
Question:
I am wanting to start a cleaning business, and I was wondering if anyone could bring up to date me where to budge to get an INSTANT quote on the cost of becoming bonded and insured.
Thanks
Answer:
What you are looking for is a Janitorial Bond. It is a form of a fidelity bond and markedly similar to insurance. It protects your clients in the event an hand is arrested and convicted for stealing from them. You will not be expected to cover the loss.
The rates are based upon the number of team and the amount of coverage. They range from a $5000 bond beside less than 5 personnel at $100 to a $100,000 with 25 force less than $800.
These are instant issue bonds are are convenient on the internet. You can run a G00GLE search for Janitorial Bond and find a site that have on line submissions. One of those sites processing on dash applications is www.southcoastsurety.com.
You can get more information on this bond and a association to the application at http://www.southcoastsurety.com/fidelity...
I am unaware of any instant quotes for bonds. Usually, the type of business you are starting have a lot of different kind of insurance needed (work comp, bond, gl, non-owned auto). Best to decide on an independent agent, and consent to them do the work they do best.
First, a bond is not insurance. Think of it as a co-signer agreement. The surety (the company that provides the bond) will bond you for "something". If they have to wages out, you will be required to re-pay the surety.
The "something" you are talking going on for is probably a crime bond (A.K.A. employee dishonesty). This would be given to one customer specifically or could be given as a blanket to cover adjectives customers.
A typical bond amount is $5,000 or $10,000 and should cost anywhere between $100 and $500 depending on many factor (location, experience, financial strength, credit score, etc).
You will not be capable of work directly with a surety company, but you can contact a local agent and they will set you on the right track. If you already have home-owners / personal auto insurance, start near that agent first.
A bond of this nature is usually pretty simple to draw from if you have a flawless credit report. If not, you may need to post some collateral (Cash) to obtain the bond.
Ive basically taken out business insurance?
Question:
Can I sue myself for permenantly being within the wrong place at the wrong time
Answer:
I wish - but you can never be liable to yourself. I guess an attorney will run your money to sue yourself, however.
hah, wouldn't that be a great deal!!
although, technically, you're within the RIGHT place at the wrong time, if you were contained by the wrong place at the wrong time, you wouldn't notice anything occurring. For something bad to evolve, you have to be surrounded by the right place, at the wrong time.
This informative article on business insurance may help.
http://ezinearticles.com/?getting-a-busi...
What are the different types of insurance (health, home, renters, existence, etc..) and when would you involve them?
Question:
Answer:
What a broad question!
Health - covers crucial and minor health issues
homeowners - here are three homeowners policies. the basic homeowners (ho3) covers your home and its contents. a tenant policy (standard fire) will only cover the dwelling. the renters policy will cover your personal property if you are renting along near any betterments and improvements that you made to the rented building.
life - pays out if you die and more if you hold accidental extermination and dismemberment and you die accidentally.
Other types of insurance are purchased by businesses. This can be general liability, public entity headship liability, crime & fidelity, umbrella, inland marine, goods, law enforcement liability, sailing, aircraft, builders risk, surety & bond, etc
Click this link, and this will answer adjectives of your questions
robustness is for coverage when you are sick or need treatment surrounded by a hospital (you always requirement this) home is for when you own a home to protect your home and contents of home and liability if someone gets hurt on your property, renters is for general public who rent a home or apt to protect their belongings they own and have within the home at the time they live there, natural life insurance is for when you die, your beneficiary (child, spouse, etc) will get reimbursement to help near burial cost, paying off your bills, and for them to live.
wow.. writing a study?
lots of policies out there.Life Insurance.. self explanitaary
Disability Ins.. -- after a reasonabiity of time.. the insurance will pick up your bills for you.. mortgage, motor payment, duration ins. premium... you name it.
HO.. covers your home that you are surrounded by the process of buying,, required by your morgage holder.. also a really dumb move not to carry it.
Tenant HO covers coverage.. aka - renters coveage - this protects your contents, as your are freshly renting and could care smaller amount about soomeone else's building, but contained by the event that a pipe breakes on the floor above.. you have coverage., Fire, etc.. you're set.
HO6.. Condo coverage.. covers the airspace and everthing inward.. because to be exact what you are responsible.. the asociationis responsible for the rest.
oh all the hO's your contents are included, unsurprisingly
on the commercial side it's a little more complex..
General Liability - theings that your comapny may or may not do that you may be respndsibility for.. contractual dud, Oyyy there are so heaps things involved.. you really need to sit down near an agent and discuss the commercial coveage with them
w/comp.. protect the worker from injusr on the opening
there are so lots..impossible to list... I once write a policy insuring a fishing contest.. the prizefor catching the fish that have been tag was a brand topical Toyota 4 Runner,, OMG what a crazy policy THAT was to place...
Who raelly pays when the cost of medical effort rises: employer, force, senate, or insurance companies?
Question:
Answer:
The costs get filter down to the consumers of health insurance through complex premiums.
And, the consumer public who buy the products and services made by the companies that buy health nurture for their workers.
They all wage.
Everyone pays...mainly companies and patients
All of the above.
Employers and force. Do you think the suits at insurance companies are going to hand over up their six-figure bonuses?
Well, in the US, 75% of empire who are insured, have it through their employer. When the employers' costs rise, they have to incorporate that into their cost of doing businss, so it's the END USER of their goods and services who pick up the cost when medical thoroughness rises.
Government NEVER picks up the cost - they just shift it onto the population as a together. Remember, government doesn't HAVE any of their own money - they go and get ALL their money from YOU, THE TAXPAYER. Any time you see any government benefit or program, it's not the policians paying the bill, IT'S YOU, THE TAXPAYER.
Car insurance for 17 year olds?
Question:
Hey people, i am 17 contained by april and i have be looking into buying a 1983 mini mayfair with 13"alloys and archesand thats it...
onlly a 998cc, not the fastest of cars
but guess what
quoted over lb1,300
Whats the F%lb$*&" point,
any body know ov any perfect car insurers that i may bring back a quote from?
cheers
Kyle
Answer:
Have you done your Pass Plus? It could reduce your saloon insurance. http://www.passplus.org.uk/
To check lots of different insurers try http://www.confused.com/ and also Screentrade at http://www.jdoqocy.com/click-2108317-102... - they are new from Lloyds TSB and they scour loads of different insurers for you - like confused.
It's worth getting quoted from both to see which is better.
At 17 your going to bring back high insurance premiums. There's no use trying to run from it.
elephant.co.uk
virgin.co.uk
tesco.co.uk
they are adjectives good cheap insurers, ime beside elephant and it beat any other quote by lb200+
Is nearby a State Farm Insurance where you live?
i dont know of any sorry but it does piss me sour the way they over charge immature male drivers, these insurers dont bestow you a chance within hell do they. Best thing to do is jump on confused.com and it will give you a roll of insurers and prices. good luck and remember the more hard-working you are the better off you'll be! xxx
they will adjectives be fairly elevated, when i got my first saloon i was competent to get cheaper saloon insurance online with directline, that be two years ago
Thats the way it go. Never mind, in 30 or 40 years you should go and get a decent business deal.
There are some insurers that specialise in childlike drivers. G00GLE insurance+young people and lug yer pick.
my mate had in good health high insurance afterwards he switched to asda insurance and it was roughly half the price he is 17 as ably
At your age it is very completely expensive believe me , you are a young driver, and with the sole purpose when you reach 25 it will drop, alot,
Take the elapse plus, it will reduce your sports car insurance maybe by partly,
ask around insurance don't just try one, but remember your 17 its not surprising its this much, I know how you consistency , it is alot, and I hate it too, but lift my advice do the leave behind plus because it does reduce your insurance, and ask around , and see what qutoe they confer you , also a smaller enigne car help to for insurance to be low.
get your dad or mum to insure it afterwards u go on as a name driver some insurance companies let u maintain the no claims discount that you build up if u dont have an stroke of luck when ure a named driver on someone elses insurance also look at classic insurance as the sports car is so old it may qualify i did it that means of access it only cost around lb40 more to have me on the insurance and i have a 1275gt
Hi!
I hate to own to tell you, but that's a REALLY fitting quote for a 17 year old boy!!
I'm not kid!!
We went through Confused.com and get loadsa quotes online. The best one we got be lb900 and that was for a 17 year antediluvian girl. When we asked for a quote for a boy - the highest one we get was lb3500!! Oh, I've a short time ago remembered... some of them wouldn't even insure a boy!
Keep trying, I'm sure if you look a little harder you can shave a couple of hundred bad that quote!
Best of luck!
You should try th post office as they've basically done me a good deal. I also remember Endsleigh be cheap when I was young-looking, don't know what they're like very soon though.
Are you entitled to an NUS card as you can get some discounts through that.
An alternative is putting an elder person next to good NCB on your policy as this can bring the cost down, or even see if you can carry someone to take out the policy on your behalf and try one of those company's that agree to you earn NCB for the first year at least as you won't enjoy passed your test for a while anyway.
The proper answer is though that you will be paying greatly as you're under 25, mannish and have no NCB consent to alone the fact you don't own a full licence
I'm sorry Kyle.. the general rule is.. if you can't afford the insurance.. don't buy the saloon
You'r only 17.. collect your money.. hold out for 21, when the insurance drop.. then buy cat that you want and the preiums drop dramatically.
Good Luck
Is within any Government guarantee for LIC Policy?
Question:
Can be compare to other insurance company policy
Answer:
Not sure what you are referring to, LIC Policy. If you are referring to Life Insurance, then yes, within are some guarantees. Remember that Insurance Companies are backed by other companies referred to as Re-insurers. Hope this help with some details.
Free prescriptions?
Question:
My husband just just now lost his job, and consequently our medical insurance. And so far, he hasn't been competent to find a replacement job. My husband, our daughter and I are adjectives on prescription drugs for various reason.
My mom told me she heard on the radio roughly a prescription company that will provide free prescriptions for people contained by our situation. But she doesn't remember the name of the company. Does anyone here know what company it is?
Answer:
Your mom is probably thinking of the Partnership for Prescription Assistance. Right presently, their paid spokesperson is Montel Williams.
Their network address is:
https://www.pparx.org/intro.php...
All of them do it. Go to the website of whatever company make the prescriptions you all are taking. nearby should be a link. (FYI, most TV ad have a blurb that say if you can't afford your prescriptions...)
Will this insurance trick work?
Question:
Recently I broke my Motorola RaZer's front screen, when I phoned the insurance company they said I hadnt reported it inwardly the 48 hrs required. So I was wondering if I be to "lose" my phone would they have to replace it?
Thanks for your facilitate!
Charlie
Answer:
As you have already reported the blind and its been rejected later I doubt you could get away near 'losing it too'. Do you really think general public are that stupid! It will probably cost less to hold it repaired than the excess would be and no worries about finish up in court near a fraud charge!
Read what you insurance says it covers, will be plainly patent to see on your contract, and if it says it covers LOSS of phone after yeah, your fine.
no they wont replace it until your 2 year contract thing is over
Regardless, that is to say fraud and you should think twice if you morally and justifiably want to put yourself in that position
Yeah but you'll hold to pay an excess (probably around lb25), and remember you won't know how to use your old sim which resources new number and you'll lose your phone numbers, messages etc. Good luck x
Yes this should work, but it is importantly illegal. Little item called insurance fraud. So be exceedingly carful if you choose to go through beside it.
They probably would red flag you if you made the claim within 6 months of this wrong report.
fruad dnt do it as u lets hope no cops come on here and c wot u r trying 2 do
no very soon ive told ur insurance company that u will try n scam them
your insurance company might not cover accidental loss but find ou x
Oh come on presently - do you know that that is classed as fraud -do you really meditate its worth the risk.
If you have be with this phone company for a objective length of time you could threaten to terminate your contract and after they might replace your phone as a goodwill gesture.
Mobile phone insurance really isn't insurance so it's not insurance fraud, per se.
However it is the object why the rates you pay for the 'insurance' are so dignified.
Yes, you can simply report the phone lost or stolen and as long as you have coverage for that, it will remuneration it.
But you would be cheating the system.
Since you reported a broken phone and it is documented, they would look into this as fraud.
you better check if there is a deductable. I found I hold a $50 one and I needed a new charger (it is covered) but the charger is cheaper to shift out and buy one.
I think I will drop my insurance for the subsequent onebig waste
I've never see one that covers "oops I lost it".
not trying to tell you to fake but my cell was stollen once so call the company and all i have to do was remuneration a $50.00 deductable and they sent a new one exactly close to my old one within 3 days! thats better than buying a new one. oh, and my number stayed like.
Why would you want to turn into a criminal for the sake of a few quid. I would ask them to look at the policy and tell you why injure has to be reported inwardly 48 hrs. That would apply to loss or theft. |
i would see how much your excess ie lb50
and later send it to a shop, and ask them to quote for the front eyeshade lb50
see what is the cheapest.
as if you claim on your insurance you will have to payment the excess and wait for the phone to be fixed, and they will lately send you a re conditioned part. same applies if you loose yours
depends on the policy
well, you are on text now I am sure. You will in recent times have to look at your coverage. I bet you hold insurance on the phone which allows you to replace the phone a limited amount of times.
you can try it, but they will enjoy a note on the system saw that you broke the screen previously.
They are on the globe these insurance people, as they do not want to remuneration out, but will happily nick your installments every month!
Should i pay cheque the excess for a flood from an upstairs flat ?
Question:
i currently own a 2nd floor flat & 3months ago the flat above sprang a leak from the bathroom & shabby my kitchen,bathroom. my letting agent got onto theres & they enjoy admitted responsibility.however the flat organization company have immediately informed me that the work will get done but i must reward there excess (lb200) and that the runner in the bathroom is not cut of the buildings insurance and i am therefore not covered for it so i enjoy to pay to replace it myself. can anyone give an account me where i stand justifiably on this matter
Answer:
You are not liable for this, they will rest their excess from the third party insurers, dispute their claim within writing pointing out that in recovering from you they will benefit twice from your discomfort.
As regard the carpet, you own a valid claim on the upstairs flat tennant or landlord. Put your claim contained by writing to both the occupier and the owner and ask for the name and address of their insurers and the relavent policy number, transport the letter record delivery and convey reminders each seven days until they respond.
You should be claiming on someone else's insurance love. Not yours!
NOT YOUR BILL..THEY CAN BILL THE TENANTS ABOVE WHO CAUSED THE DAMAGE AND YOU NEED TO LET THEM KNOW THAT..
ELSE A LAWSUIT IS IN DEMAND..
I would reflect on you should pay your excess but should claim it put a bet on off the other insurance company
There is a well-mannered chance the mat is your responsiblity. That why everyone should have a tenant policy! As far as the excess from an insurance stand point I cannot see that this should be on you, but short seeing your lease I could not say for sure!
You claim on your insurance and they claim from the other folks insurance. The other person should discharge you the excess as the problem originated on their property. If they are not insured next they must pay you from their personal finances. The mat should be covered on your home contents policy.
The admission of liability surrounded by principle opens the door to you recovering any concequental loss. The certainty that the other party's insurance does not cover the outstanding items is their hard luck.
not yours. Write more politely than this to the other bash indicating that if they are not forthcoming you will consider legal deed.
OK.. I can tell you the US rules and regs.. but because of the $$ you used, it may or not apply to you.. but later, you're already braced for NO, so anything else would be a bonus.
If the owner has admit that one of their pipes broke and caused the defacement, then it is their responsibility to repair wounded caused to the building... the building includes stationary carpeting, linoleum, the things that are attached to the building. if the mat is something that you brought and can roll up and take near you... you're on your own.
You might want to check into a renter's policy. that protects your property when something like this happen.. it's a lot easier when you own a big bad insurance company on your side to do skirmish with your landlord's big desperate insurance company.. Let them duke it out.
They might have a Legal Liability clause something to check into.. you could ask to check into it.. they really moved out they really left their rearends limp out admitting that it be their fault.. That my be your ace.