what is auto insurance inconvenient charge?
Question:
how do i make the allowance...what determans the amount?
Answer:
Well, the fee is usually disclosed up front, at the time you purchase the policy. Sometimes, it's a "fee" if you want to discharge your bill via credit card - because the insurance company has to wage the credit card company 3% of whatever you clear them, so they get shorted on the premium.
You'll enjoy to ask the guy who sold you the policy what this is, otherwise, we're all basically guessing.
Please check the original information. This doesn't nouns right.
What is the average amount a bright insurance agent ( go, health) can breed contained by their first year?
Question:
Answer:
Well this really depends on the company you get started beside and the products you decide to put up for sale. The company I am with most agents that I hire one-sidedly (if they dont quit with contained by 2-3 months) easily form 65k a year. I had 4 relations I hired last year to brand 100k. But as many other posters own said many cant switch insurance and quit early. My first year I did $25k that be 2 years ago. That was one and only because I thought I knew a bette rsales system than what my company qualified me. After I learned to listen and swot up this sales system it get so much better.Shoot me an email if you want to hear more. ncblkgy@yahoo.com
Aprox. $75,000 per year
Exactly 789 enemies
If they work at it for the WHOLE year, probably around $50,000. MOST of them quit after 3-4 months, because they aren't making any money, because it's usually straight commissions.
That all depends on just about a million different things. Work hard every dayI did, and I made in the region of 22,000. I know there are family who have done much better, but after I get things figured out, I made 67,000 my second year. Just preserve at it!
Average new agent grosses just about $45,000 first year commissions.
I would not expect to make a "Net" profit if you are an Independent Agent for approx. 3-5 years.
Here is how it breaks down:
Errors and Ommission Insurance 1200.00 a year
Office Costs 500-2000 mon.(depending on your area)
Fixed Costs 500-2000 mon.(Mail costs, Phone, Cartridges, Computers, Lead costs, ET)
Advertisment costs 500-10000 mon.
Staff 500-2000 mon.
Appointment Fee's ( by carriers) 50-60 respectively co.
License Fee's (Varies by states) 200-10000 annual.
Medicad Insurance??
Question:
is it better to apply online or on the phone..whats the number or the website
Answer:
If you need Medicaid, contact your county Social Services. Check within your local phone book for the number. They can tell you without delay if you are eligible and help you jump through the forms. If the person who wants Medicaid is already in the hospital, they will come right to your room.
Medicaid may be retroactive to the first daytime of your illness/treatment. They covered all the previous month up to that time I applied as well as that which accumulate after application and before officer approval.
To my knowledge, here is no online application in any county, but a phone christen to Social Services should get you an appointment and/or forms.
that would depend which state you are from. Do a turn upside down for "department of human services" and your state. The website should give you the information. I have an idea that you may have to hold them send you an application to teem out that you send put a bet on.
I had to print the page and still have to Bring them to medicad bureau...I got it on the second try...Good Luck It's a long process,Takes time so I'd receive it all done ASAP .took me 2 months until that time getting the appointment.
...medicaid is a government program, funded near state and federal monies, to provide medical care for low-income society...to apply for medicaid, you must go to your local "welfare" organization...
i call for some info. nearly disability insurance and dismissal ins while pregnant?
Question:
I work for a temp agency and Im on a contract which ends in May. I am due to tender birth in July. So my examine is since Ill be unemployed surrounded by May and June, should I or could I collect money from unemployment contained by May and then rescind it and collect from disability ins. in June since I can collect 4 weeks since the due date and six weeks after? But then Im not sure If I can collect disability ins. since i wont even be employed. I inevitability some serious advice! Thanks within advance!
Answer:
Pregnancy is NOT a disability. And if you try to claim you can't work after giving birth, you are doing a dis-service to adjectives mothers. Also you can't collect unemployment unless you are organized, willing and competent to take a livelihood offer. You may know how to collect workman's compensation.
This stuff is hard to find out unless you have a chat to the disability people directly. I believe you might get jacked because you can't attain unemployment if you own a physical condition that keeps you from working. If I be you, I would fake sciatica or tendinitis to take put on disability early. Good luck! Oh, and if you are contained by California you can get an auxiliary 6 weeks of paid family unit leave (PFL) after your disability ends. I don't suppose you'll have a concrete time getting a doctor to put you on disability a month early. And as far as Wretch's answer go, preg. disability is totally different than Federal disability. Mothers deserve time to be with their babies and we pay cheque into the system, sweetie. That type of thinking is the real disservice.
No, you will not be covered by disability ins. You must be working at hand for that to be in place. believe me they will acquire out if they can under the best of times. so, if you can collect unemployement be in motion for it. you may get hired during that time and after you won't have the risk if you decide to stay home near the baby. You'll enjoy to take the available job, if you refuse they will not pay cheque...or they will say they overpayed and want that money spinal column...it happened to me. So, collect and be in motion to places and apply where you probably won't be hired, possibly you're underqualified or something. That way you collect and hopefully don't gain hired for the time you want to spend at home. I'm not sure how they treat the time you have the kid when you are collecting. I know when I collected and was moving they took that week bad my payments. yeah, they did because it was out of state. So, chat to the labor board about that stuff, they are usually pretty nice in the region of giving advice. Better to know than find in a mess right? Good luck. If you are getting medical aid while having toddler can't you get monitary sustain too?
You can only collect disability coverage if the disability begin when the policy is active.
Some disability policies exclude pregnancy as a disability, as it's a pretty middle-of-the-road event.
You can file laying-off at your state office, and they'll agree to you know whether or not you'll qualify, based on your prior employment history. Usually your temp work will NOT qualify you for laying-off benefits.
This all depends on what state you live contained by...different states have different law...if you live in California, you're contained by great shape, if you live in Nevada you're screwedYou should jump to your Human Resources Manager, as they are usually trained to answer those questions.
sick give the info as it applies to my state (Arizona) pregnancy is not considered a disability. job loss insurance will not cover you, you are considered leaving on your own harmony. FMLA may protect your job, but that's single if you fall beneath the guidlines, wich temp work would not. (you also could not get uneployment from temp work) also, workers comp one and only covers you due to workplace related injury or illness. sorry, contained by my state you would be betewen a rock and a hard place.
Update-
Ok, it looks similar to you may be covered, these are the links to the info you need. It appears it may cover you; it’s base on your earning surrounded by a quarter
http://www.edd.ca.gov/direp/difaq1.htm#p...
http://www.edd.ca.gov/direp/diloc.htm...
http://www.edd.ca.gov/direp/dipub.htm...
http://www.edd.ca.gov/direp/diind.htm...
A private policy may not cover you seeing as how you’re already pregnant; it could be classified as a pre-existing condition
Good luck to you. I’m moving to California as soon as I can.
Dear, pregnancy is NOT a disability and therefore YOU are NOT eligible for it. In extra, unless they fire you, you are NOT eligible for unemployment any. You might be eligible for maternity bestow pay but that is to say different from the other two and provided (possibly) by your emlployer. Being pregnant does NOT qualify you for handouts. Sheesh!
I totaled my truck, can I reduce by or claim a loss, I collected what the insurance co's advantage be?
Question:
Answer:
It seems that times gone by two were both open-handed of right. You can claim a casualty loss, but not if you caused the loss.
The IRS just allows write-offs if your loss was greater than the insurance covered and if it be due to specific causes. Those cause are flood, hurricane, tornado, fire, earthquake, or volcanic eruption. If you had an coincidence, you are out of luck.
I posted a link to the IRS website where on earth it discusses casualty losses.
When in doubt, contact a local CPA and see if they can give a hand you out. With his/her professional advice you may be capable of come up with something beside a different spin.
nope nice try though
Yes, but only if you itemize your deduction. This is known as a Casualty Loss. Fair marketplace value is usuallly Blue Book although some folks retrieve advertisements from papers illustrate their car breed and model and have claimed the difference between what insurance salaried and that price.
If you deliberately smashed your truck, or your truck crashed as a result of your crime (getaway vehicle, for instance), then it isn't deductible. Thus, if your truck crashed as a result of speeding or DUI, it probably isn't deductable.
Who are you deduct or claiming the loss from? If the truck is owned by a corporation, yes, you can deduct uninsured interest and other "upside down" expenses from your gross income, similar to all your OTHER business expenses. If you individually, no - you're not out on the truck - lately on finance charges.
Insurance and financial agent workstation support?
Question:
Who do insurance agents and financial advisors use for technical support on their pcs, pdas, and printers. I am an independent IT consultant and I'd resembling to know if State Farm agents, and SmithBarney financial advisor type companies use independent IT consultants to install and maintain their software & hardware systems?
Answer:
If an agent is scientifically advanced enough to use a PDA, they use the Palm Hotline, IF they involve help.
For PC's and Printers, here are several options. Larger agencies hold an IT person, who also take care of backup and interface with the companies. For smaller ones, whichever agency paperwork support program they use, well, THAT company will bestow support (as part of the monthy fee) for their hardware and software. Lastly, a moment ago about every insurance COMPANY have a tech unit, which ALSO provides support for agencies, at no extra charge.
Which means, you're not expected to get IT work farm out to you. Sorry.
Long-Term Insurance Sales - Form an LLC or supply as sole proprietor?
Question:
I just received my insurance license and want to be an independent agent specializing surrounded by long-term care representing a few elevated quality carrier.
Am I better off doing this as a sole proprietor or forming a restricted liability company (LLC)? What are the pros and cons of each?
Answer:
as a sole proprietor you depart yourself open for permissible action to be brought against you and put your asset's within the line of fire.
If you own assets you may want to consider a personal living trust as added protection for you personally.
but the LLC is the instrument to go for your biz.
Probably the LLC to protect your current and adjectives assets. Don't forget to get Errors & Omissions insurance for your company.
what does the auto insurance company's hold to take-home pay for?
Question:
I was contained by an auto accident (not at fault)and the insurance company requests to settle.I know that they have to settle up my medical bills,medicine,sports car rental,loss of work,car repair,and 3 times the amount for the medical bill..Is that it?
Answer:
Who say they have to foot 3x your medical bill.
What you get will depend on anything the other party be insured for.
If this is just vehicle mess up then you will enjoy to pay your own medical bills.
doesn`t matter what your policy says, did you read it, is that what it said
Who's insurance company are you conversation about? What they "have" to do, depends on if it's YOUR insurance company, or the other guy's.
YOUR insurance have to follow the policy agreement - to pay up to the policy contain, subject to deductibles, if any, for all the coverages you may own purchased which are applicable.
The OTHER insurance, has NO constraint to pay you, until after a conciliator says so, surrounded by court. Obviously, most "settle" a claim way past it goes to court. But nearby are a LOT of factors to consider.
Are they accepting 100% liability for the quirk? If not, they may only volunteer to pay cog of the loss. Is your state a "no fault" for medical payments? If so, you can't collect ANY medical benefits until your policy has rewarded the limit. Do you enjoy a limited tort prospect on your policy? If so, except in a unbelievably few cases, you have NO right to niggle and suffering.
Also, the "3x medical bill" would be a reference to headache and suffering. It's NOT the way it works. IF you are entitled to ANY niggle and suffering, it will be dependent on the type of injury you have, and what concerned of permanent effect it have on your life. For adjectives those soft tissue injuries, where nought shows up on an xray, and all you own are chiropractor bills, you might not get anything AT ALL.
So, within other words, there isn't ample information here to give you an answer. But you SHOULD confer to your OWN agent, who can give you exact information that fits your policy, AND your state law.
I am assuming you mean the other people insurance company.
You are completely wrong with regard to what you are entitled to. Let me break it down for you. This is based on the assumption that they own accepted liability for the loss and contained by your state you have qualified for a claim. In some states a short time ago because you have an injury does not have it in mind you qualify for a claim.
1.Medical Bills – they will only compensate for reasonable treatment and bills for injuries related to the chance. For example if you were within a very minor chance they are not going to pay for you to step to the chiropractor 4 times a week for 6 months. It has to be rational that the injury occurred from the loss. Furthermore, they will solely pay upon completion of the claim not while you are treating. They earnings one time and that is at settlement.
2. Car Rental – they merely have to compensate for the rental for the vehicle is in the shop. If your vehicle takes 3 days to fix you cannot cart into the shop on Thursday or Friday and pick it up on Monday or Tuesday. They only owe you for 3 days, not over the weekend. If vehicle be not drivable than they only wages for a reasonable time frame. They do not own to pay for any supplementary insurance that you may be required to purchase from the rental place.
3.Loss of Work – only if medically documented. If you missed work because your motor was surrounded by the shop they do not pay for that. If you missed work because you be sore but not excused by a medical provider than it is not paid for.
4.Car Repair – yes they owe for that.
5.3 times the medical – you WILL NOT, let me repeat WILL NOT seize 3 times meds.
Let me explain why… Mr. Smith and Mr. Brown suffer from the exact same injury in an auto misfortune. Smith goes to the ER where on earth they take x-rays and a cat scan. Brown go to his family GP. They are both diagnosed next to exact same injury and need no follow up. Smith’s bill will be $5,000 and Brown’s bill will be $100. Why should Smith receive a settlement of $15,000 and Brown a settlement of $300? What is someone have a 10-inch gash on his or her face. Doctor bill for stitches is $500 – should they simply receive $1500 even though they have a huge mark?
Your settlement will not be near as much as you devise it is. When I worked claims I was competent to settle 95% (which were soft tissue injuries to nouns and back) of my claims under 5k and this included the wage loss and medical. Most injury claims I settled have pain and suffering amounts lower than 2k, even closer to 1000-1500. You are not going to get rich from this.
Again this is base on the assumption that you qualify for a claim, they feel that your injuries are luck related, and your treatment is reasonable.
What do I do beside the rejected robustness insurance benefits California?
Question:
rejected by Blue Cross and Blue Shield/
Answer:
If you were rejected to to an ailment, you will find it difficult to get insurance privately from any company.
If you can find a position near benefits however, any illnesses cannot exclude you from coverage under group strength coverage.
You might try Kaiser Permanente as a provider if you are not under assistance currently. If you are low income, contact a social worker in your nouns and see if you can qualify for coverage from the state.
It depends on why you were rejected. There is Medi-Cal but it's not worth it to me.
You can appeal the verdict for the rejection with BCBS, or you can budge ahead and pay out of pocket for the bills.
You can apply beside other health insurance companies.
Chances are you will be rejected for equal reason.
There are alternatives. The best kept secretive in California
is the MySimpleCard strong views. For the most part
it is more cost decisive than Blue Cross Blue Shield
anyways. Check it out and make sure you enjoy participating
providers in your nouns.
I call for to win quotes a commericial business?
Question:
I want to start my own business hiring guys to do demolition, construction and stuff of that nature. Where could I carry state farm insurance quotes?
I obligation also workers comp.
could some one point me to the right direction?
thank you in credit
sylvia
Answer:
State Farm won't insure general contractors, which is what you would be, and they don't insure demolition contractors, any.
You're going to need to plain your local phone book, and look for an independent agent that specializes in construction.
I hope you're braced for it, because the workers comp is going to run you just about 25% of payroll, and the liability is going to run you about 25% of receipts for body, and 20% of receipts for subcontractors.
If you strictly want State Farm insurance, go down to a local agent. They should know how to quote you.
If you want state farm to be your insurance company the I would contact a local agent. Otherwise, at hand are many other commercial insurance companies. The two largest carrier are AIG and Travelers.
I work as an independant agent in Cleveland, and as the others suggested, walk to a local agency. Ask your friends if they know any good local agents. AIG and Travellers are not the biggest or the best. Your local agent will know how to tell you what what the best companies fit and will write what you are looking for. I find Zurich to be affordable for workers comp. It adjectives depends on the occ.
Hey Sylvia -
You need to contact a broker and I would shop around for insurance. Any local organization could get you what you involve to know. I'm not sure about workman's comp insurance, but your local employement agency could imagined tell you adjectives you need to know surrounded by that aspect.
They can help you near free quotes, then you can opt,
"http://www.anrdoezrs.net/email-1961891-1...
Try this link for quotes and some accurate info, but you should consider subbing out a percentage of your work. That way the sub have to get their own insurance and reimburse their own taxes.
Depending on what state you are in, I would check next to an Independent Agent, especially for commercial insurance! They have the resources to quote multiple companies. State Farm lone has State Farm! Keep your option open and product sure you give everybody matching info so that you can compare quotes Apples to Apples!
go to these sites for rock-hard to get coverages resembling yours:
http://www.worldsinsurance.com
http://www.worldinsurancegroup.com...
http://www.insuremeusa.com
How do underwriters rate business interruption insurance?
Question:
Answer:
Just to add to the previous answer, business interruption is an "indirect" loss. There must be a direct loss to the building or business personal property first past there would be a covered interruption to the business income.
The rates for business interruption are, in consequence, based on the the building's risk factor & rates for the building & contents. All the factors for a primary loss, such as the building construction, occupation, fire protection, etc. are considered. In other words, the degree of risk for a business interruption loss depends on the level of risk for a direct loss to the building (fire, windstorm, etc.). The degree of risk dictates the rates.
It's a plain property coverage. Rating basis is on estimated lost income or extra expense, or a combination of both. It can include or exclude familiar payroll. The duration is selected by the insured, as is the payout split - example, 40% of the hold back the first month, 30% the second month, 30% the third month, then the business should be up and running again and coverage is exhausted.
On a bop policy, it's usually built surrounded by at no extra premium, with the unsophisticated property rates.
what series license must be held by an agent at NY?
Question:
Answer:
At a minimum, life, calamity and health or property and casualty depending upon which nouns you want to be involved in. If you are including unreliable annuities and mutual funds, will need series 6 and 63 also.
It depends on what big-hearted of business you want to be involved in...
What are you looking to do? P&C, Life, Annuities, etc?
What does a premium mean>?
Question:
Like when people speak you can pay more of the premium?
Answer:
Premium is how much the insurance costs for the policy.
The policy is for a permanent status - usually a year, unless you're talking in the order of health insurance, after it's for a month.
Most people don't repay, for example, the whole year of vehicle insurance up front, they "finance" it with the insurance company, to pay envelope monthly or quarterly or some such. So, they're under the mistaken outline that they're buying insurance by the month, or the quarter. THAT'S NOT TRUE. So when they ask you to pay more of the premium, they're asking for a bigger "down payment" for the insurance financing.
The premium is the amount you're mortal charged for ex. auto insurance. If you set up installment payments, if you send within more than is required, you are paying more on the premium.
Premium is the amount you pay respectively month to have insurance.
The price of an insurance policy, typically charged annually or semiannually.
Direct Premiums: Property/casualty premiums collected by the insurer from policyholders, up to that time reinsurance premiums are deducted. Insurers share some direct premiums and the risk involved next to their reinsurers.
Earned Premium: The portion of premium that applies to the expired part of the policy extent. Insurance premiums are payable in mortgage but the insurance company does not fully earn them until the policy period expires.
Unearned Premium: The portion of a premium already received by the insurer below which protection has not nonetheless been provided. The entire premium is not earn until the policy period expires, even though premiums are typically rewarded in credit.
does insurance deductible enjoy to be rewarded formerly insurance will pay packet? how do you prove it?
Question:
Answer:
Normally, after the work is done (let's say, for a saloon accident), insurance will send a check for the amount of the repairs smaller amount your deductible. So, if you had $1000 surrounded by covered repairs and a $500 deductible, they would send you (or the repair shop) a check for $500 (the difference).
The doctor or auto repair other sends in a claim to the insurance company. The insurance after subtracts the amount from the deductible that it is keeping track of. There is nothing for you to do. The doctor or auto repair will convey you a bill for any amount the insurance company does not pay.
With a doctor he is salaried directly. With an auto repair you receive a check to give them. In any case in attendance is always a claim and the insurance will hold on to track.
If you have a $1000 deductible and $500 devastate a claim is still filed to save track of it.
Your deductable is the amount that you must pay out of pocket inside a benefit period, (usually 90 days), past your insurance will pick up the tab, except for medicare supplements, most of which are designed to actually cover co-pay and deductables by payments of premium.
Yes, it's the amount you recompense, BEFORE the insurance kicks within.
You have to submit the invoice to the insurance company, they will "disallow" the first XX dollars, up to the deductible amount.
Are you conversation about strength insurance or auto insurance?
Auto insurance - the company sends you a check for the estimate minus your deductible - it's understood that you money the repair shop at time of service.
Health insurance - you are not to pay up front - the provider is supposed to bill the plan first and later the insurance tells the provider how much to bill you for. That's how that's tracked.
Can my pregnancy be considered a pre-existing condition if I didn't hold insurance earlier?
Question:
My old insurance cancelled me a few months ago and I lately found out. I have a foreign job next to new insurance that starts contained by May, but I also just found out I am pregnant. I be going to be getting the insurance anyway, since I have a people that needs insurance. Will my strange insurance cover my pregnancy or will it fall underneath the pre-existing condition clause?
Answer:
Yes, pregnancy would be a pre-existing condition.
There are a few things you must verify. First, whether the new plan offer maternity coverage. Second, whether in that is a pre-existing limitation or requirement to make somebody`s day. And third, whether there is a waiting time of year until benefits, including maternity benefits, will be eligible for you to use. It appears that the third interrogate may have be answered by your statement of "90 days". And, in the meantime, you enjoy COBRA coverage so that your health insurance coverage does not lapse. But, the question on whether there is a pre-existing decrease and whether the new plan have maternity benefits have not been answered. You requirement to find the answers to these additional question, but if you don't want your employer or new condition plan to know about your pregnancy, after ask anonymously or refer to the new plan's policy booklet to investigate on your own. Other issues: if you and your husband are moving from one group plan to another group plan, later HIPAA may come into effect, because it enables you to apply the time earn from your previous group plan towards satisfying the pre-existing requirements of the unmarked health plan. If you find that the tentative plan has a pre-existing curbing then consider looking into HIPAA or verbs with COBRA. For superfluous information see our articles on HIPAA and COBRA. Be prepared and know the benefits, eligibility and any limitations of the new form plan before making decision on switching jobs. Also consider contacting your state insurance department for more details on law applicable in your state.
Depends on the insurance plan, but most consider pre-existing conditions to be chronic or long-term illnesses. Pregnancy is not considered to be long-term, even though it can sure surface like it those ending few weeks.
You say you "just" found out you be expecting...I went through a simliar problem when I be pregnant...I was waiting till I be working at my new living long enough to go and get on the health plan, even though I know I was expecting. I be also concerned that my pregnancy would be considered to be pre-existing.
I picked an OB/GYN as my primary care doctor, and I have another reason to call on her when I went contained by for my first pre-natal visit. It could be anything from a regular annual physical, to the defence I used...a follow-up on an accidental cut I get at work (I do NOT reccomend that one)
If you are really worried about it, you could try going to your primary watchfulness doctor and pretend you don't know you are pregnant at all. Then tolerate your primary care doctor "discover" it, and recommend you see your OB/GYN.
Good luck!!
You requirement to check with your state, also next to your previous insurer. The previous insurer may have to verbs coverage because the condition is still ongoing and not complete.
A lot of companies consider childbirth as "any other illness".
ex if you go to the hospital to hold your appendix removed you would be covered under your bright insurance if you go to hold a baby, you would be covered.
The parenthood visits to the doc might not be covered.. that would drop under the definition of MATERNITY, and may be considered a pre existing condition.. you involve a clarification. Not from HR.. from the company.. Get the website that pertains to your coverages download them and read them.
My husband started working for his company when I was 8 months pregnant beside our son, we had be saving similar to crazy because we knew that we didn't own coverage. When I went into labor, the hospital asked for my ins card.. I told her that I wasn't covered for this.. she said.. it doesn't hurt to submit it... hahahahahahaha
Covered. any other disorder!
Like an idiot.. I actually call the insurance company a couple of months later and asked them if they wee sure that they should hold paid it!
Yep, they be sure... LOL
Do some checking.
It sounds like the temp agency hasn't notify you of your COBRA rights. First, you need to contact them and find out why. They will hold to offer you the COBRA beneath the law and you will know how to pick that up to cover the period you be not covered and until your current insurance kicks within. At that point, the COBRA and prior insurance coverage should cover your pre-existing clause on your new plan and the full motherliness will be covered.
Unless the old company can PROVE (ie a certified receiving showing you signed for the notification) then they will hold to reinstate you back to the date of possession, of course you will own to pay the full premium plus 2% but considering the cost to own a baby it may be cheaper.
I've be told pregnancy is a sickness with some insurance companies. Jennifer
Maternity is not considered a pre-existing condition. There's a federal imperative that says contained by most cases, Pre-existing condition exclusions cannot be applied to pregnancy, regardless of whether the woman had previous robustness coverage. Its possible your insurance doesn't cover maternity at adjectives though... Check it out. Do a yahoo key word turn upside down using the words federal, pre-existing, and maternity and next maybe your state designation or abbreviation. The law in your state may differ, but the national law have to be complied next to in most situations.
So, yes your investigational plan will cover it, as long as they actually cover motherliness. Good luck.