I be wondering if someone can go and get your contact info from in recent times your term and number-- info resembling saloon insurance?
Question:
Last week, while leaving my university campus I hit a guy outside my dorm room tower. I be minor damage, probably a couple scratch, yet plenty to get money out of the situation. He be a nice guy and we only exchanged name and phone numbers and not insurance company or license info. Although he called a couple times over the subsequent week, I refused to answer my phone (which is a shameful thing to do). I hold obtained a parking certification under the university's parking services and I guess he could look me up through RMV and other services, but can he find my insurance policy and info (which my parents pay packet 4) and other valuable information (which he could even find through my college)?
Answer:
Legally, no. HOWEVER. I personally hold had lots of cops prepared to look the info up for me, "under the table", and enjoy had access to databases and RMV info through my employer, the insurance company.
If you DON'T folder with your insurance company, he can do the following: 1. Sue you directly within small claims court 2. Sue your parents, because they are (presumably) the registered owner of the vehicle 3. File with his insurance company, who WILL be capable of look up the info, and will call the policyholder first
So if the object here is for your parents to not find out, it likely won't work. You a short time ago have to resolve HOW you want them to find out . . . through you telling them, or them getting served court papers to show up at the court local to your college.
Your pick.
There are websites where on earth people can income to get your contact information. Name, address, cellular phone.
I doubt he could find your insurance info from your name and phone number. However, if you be the at fault gathering, you're going to have an even bigger problem if you don't own up, answer your phone and appropriate care of this. He can, and probably should, sue you for damages.
how to locate money/life insurance payouts of a departed individual?
Question:
Answer:
Due to the privacy laws, the individual people that will capture to know that information are the executor of the estate and the beneficiary.
What can be done if a rotator cuff gash is denied by workman's comp insurance?
Question:
The tear occur at work!
Answer:
Why was the claim denied? Worker's Comp is regulated by respectively State. If it is a legitimate claim, you enjoy a certain amount of time to appeal the denial. If you truly be injured on the job, you may enjoy to hire an attorney to file the appeal to your state industrial commission or whoever handle worker's comp appeals in your state.
Hire an attorney. Appeal the ruling.
Find out the sense for the denial. Appeal the decision and own as many witnesses as possible testify for you. Be prepared to dispute the purpose they gave for denying the claim.
We can't answer this query without knowing more details...within theory any workplace injury would be covered by workers compensation automatically...but reason for denial can be your employment status (independent contractor?) or that it wasn't at the workplace (example...walking to work and getting hurt may not be considered a work related injury). Also it may be this injury occurred somewhere else or a while ago and it be aggravated at work...did you know more WC claims happen on Monday? One aim is that people injured playing softball come contained by and make it an on the brief injury. BUT I'm not implying you are doing anything wrong...I am surprised that a workplace injury is denied...WHO told you it be denied...your supervisor or the HR people? SOMETIMES they are anxious their premiums will go up...so they try to bring employees NOT to folder claims by telling them it's not covered. If this truly happen at work and you are an employee in that, and you were within the scope of your post, there should be no approach the claim is denied. I'm assuming you are in the US. I dont' know roughly speaking other countries. If they insist on denying it and you know it is a work related claim I would get an attorney. That's troubled because the WC system is designed to work WITHOUT attorneys...WC is supposed to pay regardless of error and without high regard to who caused the injury.
Looking for Homeowners Insurance within Pinellas County, Florida?
Question:
Answer:
better check online first
I know that all of the co's are dropping ancestors like flies! I hear from and Allstate Agent in Orlando that after the first of the year, Allstate is going to enjoy a spin-off type co that will be writing ploicies. I don't know exctly what type or anything, but there is hope.
You don't hold a local agent who can place this for you? Ah, well. If anyone can do it, these guys can:
www.huttinsurance.com
You should know how to get an excellent rate. You should be capable of get cheap homeowners insurance rates from http://www.nationwidebillrelief.com/home...
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Money owning for misfortune minus insurance.?
Question:
IF someone is in a moter vehicular chance and the party that cause damage to the other character was surrounded by breech of there insurance, and the insurance company doesn't cover them, what happen?
Will the person own to pay out of his pocket for the population injured int he accident?
And if so if it Is a huge amount will the insurance company repay the person injured, and will the driver(without the insurance) enjoy to pay vertebrae the insurance company for the money?
Answer:
1. If the at-fault party have an active policy but the "breech" is due to something except non-payment of the premium afterwards both the at-fault party and the insurance for the injured jamboree are entitled to a written reason for the denial. If the "breech" or denial is base on a policy exclusion than that reason should be fully investigated by both insurance companies. The injured party insurance company is not going to want to pay for the bodily injury claim until they are beyond doubt sure that the at-fault breech" was a legit justification to deny covergae.
If in the wrapping up the at-fault party have no coverage then the injured event makes a Uninsured Motorist Bodily Injury claim to their own company. This can embezzle from 1 year to 6 years to settle depending on the State. The insurance company will then hold the legal right to subrogate (fancy legal/insurance word for collect) against the uninsured at-fault carnival for everything that the injured parties company compensated for. The car despoil, med bills and injury settlement often add up to many thousands of dollars. In some states the at-fault gala will lose their drivers license until they either retribution the debt off surrounded by full or enter in a monthly reward plan. If a lawsuit is filed against the at-fault gathering they may also have interest and officially recognized costs added to the amount owed.
It is an ugly situation adjectives the way around.
Typically if an at failing person have no insurance the person explicitly injured will go lower than their uninsured motorist coverage. Their insurance company will pay for the injury and later yes, they do go after the at blame person for the remunerated expenses.
If the person is uninsured, the injured delegation can collect off of his own insurance (uninsured motorist coverage). If the injured body has no insurance, his merely recourse would be to sue the person that cause the accident. However, even if the court rules within his favor against the person that be at fault, that doesn't be going to the injured person will ever collect anything. He have to have some assets contained by order to certainly get anything put money on from him.
NO INSURANCE COMPANY WILL COVER AN UNINSURED PERSON DURING AN ACCIDENT. The insurance company is probably grinning, happy that this personality defaulted. And surrounded by an argument like this, the insurance will never put a bet on down. They will say that they are not liable. In which logically they are not. The person will hold to pay out of his/her own pocket. If the human being did nothing wrong (like self intoxicated while in the accident), and didnt speed, etc etc. Then, the character wont have a break to go to young offenders` institution. But, if the money is too high, afterwards that person will own his/her wages garnished.
top private existence insurance compnies contained by India and their flea market share?
Question:
Answer:
ICICI potantial is the market troublemaker (61%)private share
other companies are HDFC standard life ,max newyork, reliance time insurance, met,tata etc
There are many private insurance cos within India now.Check
bimaonline.com
ICICI lombard is the bazaar leader near a large share... afterwards there are other players.. similar to HDFC standard life... following it... players resembling max newyork, reliance life insurance, met, etc are also within the market though their flea market capture may be smaller amount...
The insurance market contained by india is at a very nascent stage and is a short time ago now commencement to mature near new products and concepts available for every concievable customer requirement. You may check rankings and market share of adjectives companies at:
http://www.irdaindia.org/
Money owning for happenstance short insurance.?
Question:
IF someone is in a moter vehicular twist of fate and the party that cause damage to the other character was surrounded by breech of there insurance, and the insurance company doesn't cover them, what happen?
Will the person own to pay out of his pocket for the inhabitants injured int he accident?
And if so if it Is a huge amount will the insurance company pay envelope the person injured, and will the driver(without the insurance) hold to pay pay for the insurance company for the money?
Answer:
If the insurance company has declared near was no coverage at the time of the catastrophe ("in breech"), it doesn't situation if the amount is huge or small they won't pay.
It depends on the law in the state as to the time limit of the liability the person may own. And in America, anyone can sue anyone else, whether they enjoy a real skin or not.
This person sounds screwed, he should try to chitchat to the other party of the catastrophe and set up a payment plan and sensible damages.
Yes, they have to pay envelope out of pocket for property damage and injuries. If there's no insurance, there's no insurance, and the insurance company is CERTAINLY not going to "loan" money to some guy that already proved he doesn't wages his insurance money!!
What usually happens, is after there's a judgement, anything that he owns can be "attached" - the court can (in some states) bring posession of your house and sell it, and your motor, and all the contents of your house, and sweep your wall accounts, attach any income tax refund, and put an attachment on your paycheck to garnish your wages, until adjectives the judgement is met. If it takes a while, they breed you pay interest, as capably.
what does it be a sign of "$10 co-pay afterwards 100%" contained by insurance terminology?
Question:
Answer:
This verbiage has two meaning, so you must be VERY cautious.
1) For HMO contracts, assuming you've stayed "within network," this method you're responsible for a $10 co-pay, then the HMO will discharge the remainder of the bill.
2) For PPO or POS contracts, if a person have obtained consideration from an in-network physician, you will pay the co-payment (in your armour, $10), then the insurer will reward the rest, according to its "allowed amount." Typically, you can't be billed for the amount over the "allowed amount."
For care rendered by an out-of-network physician, you will enjoy a co-pay and a deductible or co-insurance. Then the insurer may (depending on the type of service that's rendered -- for example, emergency care) pay 100% of "allowed amount." Since a non-participating provider is not required to adopt the insurer's "allowed amount," you CAN be billed for the remainder.
I recommend you ascertain which type of contract you have (HMO, PPO, or POS) and read through it so within are no surprises in the adjectives.
I hope this helps.
It funds that you pay $10 for anything service you are having done at the doctor's. Then your insurance will compensate the rest, hence 100% of the leftover cost after the co-pay. Basically, this is really moral insurance, because you are only paying $10.
You put up $10 on the initial claim and next the insurance company pays the rest of the claims in full, probably until the subsequent calender year when the co-pay has to made again.
PAY $10 ,TO WHOEVER OR WHATEVER , AND YOUR INSURANCE PAYS REST. THAT'S REALLY GOOD INSURANCE. I'LL SAY THAT.
You settle up ten dollars every time you are going to be billed. For instance, every time you go to doctor, you will remuneration ten dollars and then the insurance company will cover 100% of the rest of the costs as long as they are covered surrounded by your policy. And make sure you check to craft sure whatever you are getting done is covered by your insurance, otherwise you'll cease up paying a lot more than $10.
You clear the first $10, and the insurance company pays the rest.
Does the homeowner's insurance enjoy to cover the mortgage amount?
Question:
The market significance of the house is worth 300K.
The loan amount is of 275K.
The cost to rebuild is 200K.
Would you be required by the mortgage company to grasp insurance to cover the loan amount of 275K?
Answer:
Legally, no, but that doesn't mean the mortgage company won't tender you a HORRIBLE time over it.
Legally, as long as your house is insured for 100% replacement cost, and the policy SAYS that, and the insurance company agrees that your house is insured for 100% of the replacement cost, the mortgage company should accept that.
However, it will be a conflict - and likely, you'll be combat that battle EVERY SINGLE YEAR when your policy renews, until the loan go together drops under the policy amount.
You can ask your AGENT to confrontation that battle for you.
Yes - the mortgage company have to protect their investment. If something happens to the home, the mortgage have to be paid surrounded by full.
There are some exceptions, but this is the general rule.
The foundation the mortgage company gave me when I purchased my home made sense. Although it may cost a great deal less to go back to the beginning than the loan amount, if you choose not to rebuild, they are out the money.
It's the loan you are securing not the house. The dune wants to be sure they grasp their money.
You generally buy replacement cost coverage for the house, which contained by your case, would be $200,000. The manor value isn't going to changeover even if the house burns to the ground. I'm assuming the land effectiveness in this grip is $100,000.
The mortgage company by law cannot require you (or your insurancecompany) to insure the house for the mortgage amount if it is more than the cost to modernize. They must accept you insuring it for the cost to recreate.
The mortgage company will accept replacement cost coverage. Your insurance agent should intercede on your behalf. Loan underwriters next to experience know this.
The mtge company will requite the amount of the rebuild.
At the closing stages of the day you still owe them the mortgage contained by any event.
If the house was rebuild they could always resell it and the ground has a effectiveness in any event
Normally i would suspect that the amount of insurance would be closely higher as you would also be insuring the contents.
yes, ma'am. They enjoy to protect their interests. If your house burns down and you do not rebuild after the value go down and they can not recoup within investment.
My husband and I are both 63 enjoy some robustness problems what is the best plan for us to cover emergency?
Question:
My husband had insurance (SGLI) but didn't verbs it. He thought because he recieved retired military pay it would automatical be covered. I other had insurance through my brief. Now I am only working portion time and we have no insurance. What type of stash plan would be best to cover funeral expenses and provide something left over for our son and his kinfolk.? We can allow about $200.00 a month. We are begin for suggestions.
Answer:
I strongly recommend calling a local funeral home. Most offer insurance plans for burial purposes that hold payment plans, do not ask condition questions and are outstandingly simple to set up. I personally recommend Monumental Life, but a funeral director will surely be capable of answer your questions. Good luck and bear care!
Since it sounds approaching your husband is a veteran, he should apply for health attention to detail with them!
You entail professional advice
How do I take started surrounded by the commercial insurance industry? (sales)?
Question:
I am looking to start a career contained by the Insurance industry, specifically the commercial insurance industry, which I have hear can be extremely lucrative. I do not have any insurance experience, but own outside and inside sales experience surrounded by the mortgage and auto industry. I would be willing to start at the bottom, be in motion through training, etc, to secure a position. I am not sure where on earth to start or which companies to look at, does anyone have any suggestions.
Answer:
The first entity you need to do is find some experience and about the merely way to do explicitly in a trainee errand. (I personally started out as a claims adjuster). You enjoy to learn the insurance business. Most states require insurance agents to be licensed. It's a bit difficult to endorse the license exam if you don't know anything about insurance.
There are also property casualty courses that you can cart at most colleges. A Tech College or Junior college might be your best bet to start looking at that. It would give you the ground rules of what insurance is. There are so many different types of policies, especially surrounded by the commercial end of the business, you clearly need some conditions to get into this. Otherwise, you'll twine up getting sued for errors and omissions for not providing your client beside the proper coverage.
Start with any of the trunk insurance companies or a broker. Most of them are always looking for trainees that want to seize a start in the business.
Go to a local, independent agency, explain to them you want to sell insurance. They'll provide accurate support staff, and contacts for study materials.
I personally enjoy BEEN support staff to many, lots excellent (licensed) salespersons who had NO notion about insurance, but could market ice cubes to eskimos. If you enjoy good support staff, it's not rock-hard to pull stale. You just bring a precise person beside you to the closing of the sale.
GO TO WORK FOR AN INSURANCE COMPANY IN THE CAPACITY AS A COMMERCIAL UNDERWRITER. THEY WILL HAVE YOU TAKE A UNDERWRITING PROGRAM WHICH YOU WILL LEARN ALL THE COVERAGES OF EACH LINE OF INSURANCE. PICK A COMPANY THAT HAS INDEPENDENT AGENTS WORKING UNDER CONTRACT WITH THEM NOT A COMPANY WITH DIRECT WRITERS. AS A COMMERCIAL UNDERWRITER YOU WILL BE WORKING WITH THE INDEPENDENT AGENTS AND MAY DEVELOP A GOOD RAPOR WITH THEM THAT MAY HELP GOING TO WORK WITH ONE OF THESE PROFESSIONAL AGENCIES IN THE FUTURE. FROM THERE YOU MAY DECIDE TO BREAK AWAY AND BECOME YOUR OWN INDEPENDENT AGENT AND HAVE YOUR OWN AGENCY. I SPENT 10 YEARS AS A SENIOR COMMERCIAL UNDERWRITER. DURING THE OIL CRUNCH ALOT OF EMPLOYEES LOST THERE JOBS MOST OF THE UNDERWRITERS I WORKED WITH WENT TO WORK WITH PROFESSIONAL AGENCIES. I BECAME A CERTIFIED ARBORIST INSURANCE WASN'T FOR ME BUT I HAD THE TECHNICAL BACKGROUND TO GET MY LICSENSE AND SELL. APPLY WITH COMPANIES LIKE U.S.F.&G., THE HARTFORD, THE HOME, AMERICAN GENERAL. OR YOU MIGHT CALL ONE OF THESE COMPANIES AND ASK THEM WHO ARE THEIR PROFESSIONAL AGENCIES. THEN GO TO THEM AND SEE IF THEY WILL TAKE YOU ON AS A TRAINEE OR WHAT THEY RECCOMMEND. ITT'S HARD TO BREAK IN THE BUSINESS MOST PEOPLE GET THEIR BY ONE STEP AT A TIME. GOOD LUCK
That is a virtuous goal -- you will other have a position as brokers and carriers are other looking for intelligent, hardworking, experienced insurance people. Personally, I reason sales is the best instrument to go (as a producer within a brokerage). No disrespect to "mbrcatz17," but NOT ALL producers are idiots that NEED the "smart account manager" to do adjectives the work for them as she implies (oy!). Anyway, you could try for an entry plane position at a brokerage, get licensed, become an assist. details manager, after an account arranger, and then try to move into sale. Courses you can take can be found through CPCU or SCIC (www.cpcu.org or www.scic.org). Get cultured in insurance and next provide excellent service to your customers.
I suggest you get a undertaking at an independent agency as a producer. Start studying the state exam manual so you can seize your license right away. There are also classes that can help prepare you for this. It is overwhelming at first, but you will swot something every day. If you truly exactness about your clients, they will reward you by recounting all their friends around you. Good luck!
Will my bright homeowners insurance compensate for.?
Question:
I just bought a unknown home on October 17th and had it inspected. I be only within the home for 6 days and already the sewer is clogged up and had to own a plumber out who said I would need adjectives new sewer lines because mine be full of roots and it would cost around $1500, which I don't have. Would my home insurance cover this, or at most minuscule some of it?
Answer:
First step is to read your contract. There is a section that deal with "losses we cover." Read it and the accompanying "losses we do not cover" passage very conscientiously. In most contracts, accidental release of river is covered, but there are regularly exclusions for back-up of water (unless you purchased this coverage separately as an authorization to the policy - often call sump pump or water backup). If you own questions, you should contact your agent (assuming you purchased through an independent agent). If coverage would not be afforded, do not database a claim
The next place to look for sustain is your warantee. At purchase you should have be offered the option to buy a homeowner's warrantee. If you purchased this coverage, it will probable cover the damages and repairs minus a small deductible.
If you didn't purchase that coverage, likely your home inspector did not check for this while he did your home inspection. You can check CLUE (Comprehensive Loss Underwriting Exchange - see your agent in the order of this) to see if a related claim was ever file.
Definitely get a second evaluation about the cost of repair.
I hope you catch your issue sorted out - best of luck!
The will probably pay for the cleanup, but NOT for the repair. I would draw from a second opinion on the cost of the repair... bid Roto Rooter : http://www.rotorooter.com/
Did you buy this house brand new? If so, I would contact the construction company on the house. I am not sure if homeowner's insurance will cover this.
Your insurance will probably not cover the cost to repair your sewer lines.
However, any pull that resulted from the sewer backing up should be covered.
You may want to look at the composition work from your house closing. Many include home warranty coverage for one year from purchase date.
Good luck
The insurance would probably pay for the wreck, but not the repairs (like others have already stated).
However, I'd contact the physical estate agent to find out if any problems with the sewer be ever disclosed. It's possible, but not probable that this is the first time there enjoy been issues if the lines be that bad. You may even want to check near the inspector to see if this was something they check. The aim I say this is because the prior homeowner is required to disclose any issues resembling this to a prospective buyer. If they were aware of the problem and did not disclose you, you might know how to seek endorsed action against them. Not recommend that you get "sue" merry, but something to look into if you find the house becoming a money pit with other issues resembling this.
Nope. I've seen TONS of these claims denied. It's above all prevelant when you have terra cotta pipes.
Problem is, sewer lines are NOT within the house - they are outside of the house so they aren't covered. Also, the only "loss" is a looking after issue - there isn't any desecrate to the house, ya know?
Here's a thought, though - did the homeowner know that there be a root problem, and fail to disclose it? You might enjoy a lawsuit against the prior owner - you might be able to manufacture THEM pay for the repair, if they know there be a problem and didn't disclose it.
Can a TX employer in need Workers' Comp ins income lost time at 60%?
Question:
Answer:
Yes, because that's what the workers comp carrier would reward. You don't pay TAXES on that pay-out, so they subtract it out.
Stuart, in Texas, workers comp is flexible. It's the ONLY state where an employer is NOT required to convey it.
A Texas employer without workman's comp insurance should be nail the doors shut so the law won't come surrounded by and drag his criminal *** to prison.
As you know, Texas does not require an employer to provide WC. One of the risks the employer takes within opting out of WC is that she is get underway to being sued by body injured on the job. In your shield, the employer is apparently attempting to settle with you for 60% of lost time. There is nought illegal more or less this but you still may opt to sue if you are unsatisfied. Keep in mind that if your employer is a small business, you may force her out of business.
Where to apply for a short term(say 1.5 months) course on insurance within india/abroad?
Question:
Answer:
I think you must keep under surveillance the yellow page and ask it to some companies of assurance for knoe the details...
How have a elevated deductible insurance artificial your medical aid?
Question:
We only hold one choice for health insurance this year through my husband's work. It's a 6,000/year deductible tied to an HSA. We attempted to capture our own policy but found out we are uninsurable because my daughter has a workshy eye so we have to hold this plan. The premiums are actually more than the HMO we used to enjoy.
I am already thinking seriously about have to cut the number of visits my daughter have to the optomologist because they will now cost $250.00 respectively instead of $20.00. She was supposed to hold surgery to correct it this year but I don't know how we will pay for it. Having the HSA surrounded by theory is a angelic idea, but we don't enjoy any extra money to deposit into it.
What has be your personal experiences with a dignified deductible plan? Have you had to cut put a bet on on your healthcare because of the out of pocket expenses?
Answer:
I don't understand how your payments can be more than when you be covered under the HMO. When I present an HSA risk to a business client, I would never suggest it unless there be significant savings within premium. Also, I would never recommend it if the employer were not liable to make some contribution toward the deductible for the team.
About 75% of all of my clients submit a HSA-qualified plan at least as an chance. I have see it work to control the ever-increasing cost to the employer and don't hear many complaints just about coverage, especially if they are set up properly.
I would suggest that your husband contact the HR department and inquire about employer contribution to premium and deductible to brand sure that he fully understands your responsibility.
Makes you muse twice. That is for sure. Many plans don't even cover eyeglasses or dental. Mine doesn't. Gotta pay it out of pocket. Basically, insurance is for catastrophic mostly. You could remuneration and get covered for small stuff, but you would not be covered for catastrophic. When your enthusiasm is going down tubes, you need that coverage, by regulation in plentiful areas now. Instead of buying TVs and nice things, gather some for these minor expenses. If you have be buying stuff you or your loved one did not need, I am sorry almost that. You might seek sustain from the town or medicaid if you qualify. But I hear ya. It ain't easy within this life.
I'M TOTALY DISGUSTED WITH HEALTH INSURANCE COMPANIES. THIRTY YEARS AGO THEY WOULD WORK UNDER THE CONCEPT I'TS A GROUP OF PEOPLE POOLING THEIR MONIES TOGETHER TO PAY FOR THE LOSSES OF A FEW. THEY HAVE GOTTEN GREEDY. EVER SINCE 9-11 THEY ARE SPINNING OUT OF CONTROL.. WHEN 9-11 HIT WHO PAID THE LOSSES? ACTS OF TERRORISM WERE EXCLUDED ON THE POLICIES. I BELEIVE THEIR WAS A CONSPIRACY. I BELIEVE THE GOVERNMENT IN PRIVATE TOLD THE INSURANCE COMPANIES TO PAY THE LOSSES THEN THEY WOULD APPROVE A 30% PRICE INCREASE IN ALL LINES IF INSURANCE WHICH WE SAW HAPPEN. ALSO, THE INSURANCE COMPANIES LOST THEIR *** IN THE STOCK MARKET LIKE THE REST OF US. ALL THEY GOT TO DO IS RAISE PREMIUMS TO GET IT BACK. WHAT THEY BASICALLY DO IS COLLECT PREMIUMS, INVEST THE MONEY WHERE EVER THEY WANT WHETHER THEY MAKE A PROFIT OR NOT THEN THEY GIVE THEIR CLAIMS DEPARTMENT SO MUCH MONEY TO PAY LOSSES AND TELL THEM TO MAKE A PROFIT ON IT BY HOW MUCH THEY PAY OUT. I'M SURE YOU HAVE HAD SOME EXPERIENCES WITH BEING SCREWED AND NOT EVEN BEING KISSED. YES WE ALL HAVE HIGH DEDUCTIBLES ON HEALTH INSURANCE NOW WITH HIGH ANNUAL PREMIUMS. I NEVER MEET MY DEDUCTIBLE. THAT'S JUST LIKE THEY LIKE IT. I'VE COMPLAINED TO MY AGENT HE JUST SAYS OH YOU HAD A COUPLE OF CLAIMS. WHO DOESN'T GO TO THE DOCTOR ONCE OR TWICE A YEAR. THE JOB OF A GOOD INSURANCE COMMISSIONER OF EACH STATE IS TO MAKE THE INSURANCE COMPANIES SHOW FINANCIAL RECORDS TO JUSTIFY RATE INCREASES. OURS LAST YEAR WAS RUN OUT OF OFFICE FOR EXCEPTING GIFTS, ETC., ETC., ETC.,.I'M SORRY YOUR HAVING TROUBLE, THE LITTLE GUY DOESN'T STAND A CHANCE AGAINST THE RICHES PEOLPLE (INSURANCE COMPANIES) IN THE WORLD. THE INSURANCE INDUSTRY NEEDS A CLEANING UP. ALOT OF DOCTORS HAVE GOT OUT OF THE PROFESSION BECAUSE OF INSURANCE COMPANIES. I SPENT 10 YEARS IN A COMMERCIAL CAPACITY A SAW ALOT OF THINGS I DISAGREED WITH.