Car Insurance problem>>>PLEASE HELP?
A lady, who bump my car’s fender, while it be in parking campus… I be try to find her for five month, but I couldn’t find her. I talk to the police campus and my insurance (who wouldn’t do anything, since I do not hold a full coverage only liability.) Is nearby an insurance lawyer, who find family? All the information about her are incorrect…I nickname her insurance and try to file claim, but the policy # be not right….I have her address…I even go by her house and knock on her door….No one there….Her name be not on North Carolina Farm Bureau Mutual database…please help! How do I find her to take-home pay for my car hurt? (Estimate damage is $1211.47) I live contained by North CarolinaAnswers:
Hi, Did you get her license plate number rotten of her vehicle? If so, you should be able to track down the vehicle through the department of motor vehicle, if your state allows it. If you have no luck in that, it sounds like you enjoy a situation where you may stipulation to file a small claim suit against her which should cost you around $100 and you can ask the adjudicate for reimbursement for this amount (providing you can at least go and get her mailing address to folder with). If not, sounds like you are stuck near paying for your own repair. It might be a good opinion to shop around and get more than one estimate for repair...upright luck
Other Answers:
if you have her signature and address you can take her to small claims court and attain a judgement and then the court have to help you.
If you hold her license plate number, report it to the police as a hit and run. Have a police detective follow up with your insurance company, after take her to court.
your insurance co should hold a PI working for them, if not you may own to contact one on your own. if you have her autograph try www.whitepages.com to acertain the correct # & info.
Who is responsible for solvency regulation of insurance companies surrounded by Canada?
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I'm not from Canada, but I hope its the government. In US, states regulate insurance companies.
What is a appropriate insurance for someone who is self-employed?
Answers:
May I suggest to you Ameri Plan's discount benefits program. They do not have any restrictions on ongoing conditions and you can start in your favour immediately. There is a hospital advocacy program that assigns you a personal suggest to negotiate with doctors on your medical bills.
The plan also includes hoard on dental, vision, prescription and chiropractic fastidiousness. I'd check them out. I'm so proud to be with them. I know I shouldn't lay it on thick, but your need sounds great. Let me know if you hold any questions. wlakin@ameriplan.web
http://www.mybenefitsplus.com/40378118.....
We are currently running a promotion for just the dental, nightmare, prescription and chiropractic plan where you can try it out for 3 months for $23 total. This is a great service. You should check it out!
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Ha? I don't read you.
Exercise and strong diet, avoid stress, booze, cigarettes, drugs, etc What could happen to you or your assets (personal and business) that you could not afford to replace? Who depends on your paycheck? Answer these question first.
Unless you are very comfortable, you should consider health insurance. If you depend on your paycheck to cover expenses - mortgage, utilities, etc, you should consider disability insurance. If someone else depends on you and your paycheck (or if you hold significant amount of debt) you NEED life insurance. If you could be sued, you should hold an umbrella liability policy.
Go talk to an insurance agent (or more) or a financial planner. It is really tough to answer your question without knowing adjectives of your personal financial information.
Good Luck. txguy gave a right answer. If you are young, forceful, don't have dependents, you might unsystematic it. I was self employed for a couple of years and instead of paying gi-normous own flesh and blood premiums for coverage, we put the money toward paying the actual bills when we needed to. We have two kids but we're adjectives healthy, so a few hundred dollars over two years be a lot smaller number than $500 a month in premiums plus deductibles and copays.
Do the math & see what works for you.
Source(s):
experience. but this website looks effective
http://www.healthinsurance.org/
where on earth can one study for documents to flog or souk insurance products?
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it is correct that each state have different laws on ins licensing-the best path one can study for a state insurance license is to interview with different ins companies- find one you enjoy confidence in- that is to say--which one can school you the most about the ins business--not lately enough to overrun the state ins exam--that is not the most difficult part- who will train you about the ins and outs of ins selling and school you how to counsel people and how to assist people do whats best for them-that is financial and estate planning contained by its simplest forms- what co would you be proud to represent- that is ethical and honest surrounded by its marketing and sales practices--when i enter the ins industry in 1976 Connecticut General time had a reputation for great study and law of its agents, though it lacked some practicality contained by sales techniques--today consider the Principal Group- one of the largest ins cos around- used to be Bankers Life of Iowa--look at Prudential Financial- Connecticut Mutual-so abundant mergers have changed name and cos since the 80's and 90's- check around with some current agents and their cos- see if they are at ease where they work- and what they thought of the co training they had--some cos enjoy trainers to get you through the state exam only- afterwards you are kinda on your own- sink or swim- other cos may have trainers on staff- to edify you about selling and counseling citizens on the uses of life insurance- for in your favour and retirement, like that- specifically what you need- a co that will educate you and train you about the ins business--not purely help you achieve licensed and pass the state ins exam-- i am a retired independent ins broker, & a retired LUTCF, CFP, & CPA who spent 23 yrs helping individuals with time & health ins, and tax-deferred annuities and enjoy my time very much helping others plan for their financial futures--good luck to you !! PS- contained by some states, like Tx, a co must sponsor you for the state ins exam-in other words they must hire you to be an agent for them and after help you elapse the state exam to get started contained by your career--very important- check with the State Dept of Insurance surrounded by your state to see what the rules are to become a licensed ins agent--good luck to you !!
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The answer is state specific. Each state authorizes organizations to provide mandatory teaching for licensing. Check near your state insurance department.
your state's insurance department website will have a document of approved pre-licensing class providers. if you are going to work for a company or agency, they may pay for and/or hold classes contained by their offices.
I entail a ICD-9 code for messed up trance screening?
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Is it 369?
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Look it up in the ICD-9 book. You should enjoy one handy.
368.8 is blurred vision
Here are the codes for the actual screening:
V72.0, Examination of eyes and daydream.
V80.2, Special screening for other eye conditions
If the screening is failed, the doctor diagnoses another condition, such as near- or far-sightedness, aka refraction disorders (ICD-9 367.x)
please find me a local coop ins organization as local as possible?
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There are too many to schedule and you don't say where on earth you are located. Click on the link below and you can select your state and city. It schedule all local office in any given nouns: http://www.uscis.gov/graphics/fieldoffices/statemap.htm
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Down the High Street, past the Bank and contrary the Church, number 251 I think................
My coup¨¦ get hit on the roof near a stone by Hurricane Wilma within Oct, does my insurance still covers it today?
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certainly
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Sure it does. But the "burden of proof" is yours, and you can just blame an insurer for looking at you suspiciously today. Make up a cute story about why you wait for so long. They'll probably accept it.
If you didn't report at the time, or as a court would define as a 'reasonable time scale', the answer is NO.
More than 6 months is not conceivable.
You'll have a charge convincing anybody on that one !
Normally you enjoy 1yr-2yrs to file a claim by state statute. Check your state insurance directive to see what it is.
It is reasonable that you did not know nearby was injure until you got on the roof or have a leak.
Is the American Life Insurance Co. Fireman's Fund involved?
Am I still insured by American Life Ins. Co.?Answers:
yes
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Yes fireman's fund is still active but you would enjoy to contact them to find out if you are still covered. Is is a life ins or workmans' comp?
I give attention to so, though I doubt they have much money not here.
If anyone can support me find a website on an INS company "World time and misfortune insurance" please consent to me know
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local insurance co in Richmond IN
http://worldlifeandaccidentassociation.lbu.com/
what company provide cheap vivacity insurance?
Answers:
Primerica is the number one life insurance company that sell Term 100% of the time. They have the most go licensed agents (approximately 100,000) than any other company. A complimentary financial need analysis will be given to you for free when you gossip to one of their agents.
When you say cheap, you option to pay the lowest amount of premiums for the greatest amount of coverage you can afford. There are several different years available for Term insurance. Here is my guidance if you live between these age groups:
Under 40 years old, you should go and get 35 Year Term (if offered in your state, but for, get 30 year term)
Between 40-55, you should obtain 20 Year Term.
Between 55-60, you should get 15 Year Term
Age 60 and above, grasp 10 Year Term.
http://www.primerica.com
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Lots of companies offer cheap natural life insurance. Lots of automakers offer cheap cars too. Do you want cheap or do you want appropriate?
Go reach a deal to an insurance agent.
Oh, so true; you bring what you pay for. Find an agent that truly care about your business, will support you AFTER the plan is signed, and that service is the objective. If you are in IL or WI, I no problem can help you further if you are looking for Health or Life option. If I can't help you, I can refer you onto someone that can.
Good luck.
Where can I search out to find out if someone have received time insurance on a childs disappearance?
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For privacy purposes, you CAN NOT find out who received the death benefits when the child died.
You can try to hire a private investigator to find out, but is it worth adjectives the trouble and money to find out?
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You would have to know the child's information the insurance delivery service and have a right to know. Insurance companies are not obligated to afford non policy holders any information and can be sued if they do.
What is Jello made of?
I heard it be made of ground up bones.Answers:
The production of gelatin starts with the boiling of bones, skins, and hide of cows and pigs, a process that releases the protein-rich collagen from animal tissues. The collagen is boiled and filtered numerous times, dried, and ground to a powder. Because the collagen is processed extensively, the final product is not categorized as a meat or animal product by the federal system. Very strict vegetarians avoid gelatin entirely, but more permissive vegetarian have no problem including JELL-O contained by their diets.
JELL-O products account for in the region of 80 percent of the gelatin market.
Popular belief have it that gelatin comes from horses' and cows' hooves. Kraft, the maker of JELL-O, asserts that hooves do not contain the basic collagen and therefore are unacquainted in the production of their JELL-O brand gelatin product.
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Gelatin is ground up horse hoof.
Not only horse hoofs, pigs too! Yum
J _ E _ L _ L _O
from hores hoofs Gelatin is made from animals' connective tissues.
My friend is vegetarian and cannot chomp through jello because of that.
you
Source(s):
WTF? Why ask me?
Will saloon insurance cover a stolen vehicle?
Answers:
depends on the coverage
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"Comprehensive" insurance will cover it.
depends on the insurance company's policy
did you steal one, or did yours get stolen? LOL If yours get stolen, and you had break-in coverage on it, then yes. If not, resourcefully...time to buy a new sports car.
If you carry comprehensive coverage on the vehicle it would be covered if stolen smaller number any deductible on the policy.
check your insurance documents/... if it is a general insurance, it is suposed to cover any bit of loss or mischief to the car..\
if it is a thef insurance, it is obviouly supposed to cover loss due to embezzlement.
if it is an accident insurance, nicking is beyond the scopr of the policy and you wont get any compensation..
Source(s):
http://www.blogcharm.com/jal
If you enjoy full coverage, it should. You should report the theft at once and get a report from the police to turn surrounded by to your insurance company.
Life insurance surrounded by the UK.?
I've just spent the end five hours trying to find an insurance policy that will pay out a lump sum after 20 years (if I don't die.) I've looked at everyone from Scottish Widows to Tesco and not a soul does a cash put a bet on policy. Is there anyone out in attendance who has the quality of policy I'm looking for or could you recommend someone?Please don't tell me to G00GLE it - resembling I said I've been doing that for times past five hours.
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look for a CFP- Certified Financial Planner- in your cell phone book- they should be able to give support to you out since they handle diverse products and companies- if that fails- look for a CA- Chartered Accountant or CPA- Certified Public Acountant- CA's are the same as CPA's surrounded by the States- they should be able to refer you to a biddable insurance advisor- I am a retired CFP, CPA, & independent insurance broker from ft. worth, tx, USA- good luck to you !!
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Why not contact a financial advisor, they repeatedly make no charge unles you bring out a policy
if surrender a natural life policy my parents bought for me what will my excise cosequences be?
I was told that any monies received contained by excess of the cost basis would be what is subject to due.Answers:
if you need money, borrow on the lolly surrender value of the policy, don't surrender or annul it !! the policy has a immensely low premium or may even be paid up for vivacity, so surrendering it will harm your situation--just borrow on the brass surrender value- that way within is no taxable event- if the policy still has premiums due- basically pay the premiums as they become due- the loan on the policy is not a taxable event-since the policy is still surrounded by force- by doing this you derive the majority of the cash value-90 % or more can be borrowed-and you do not trigger a taxable event- because the policy have not been surrendered- a policy that your parents started for you at a infantile age is very expensive and should be continued- especially if your health immediately is less than perfect- any ??- holler vertebrae at me- i am a retired independent insurance broker-life and health ins- over 23 yrs contained by the ins business-also a retired CFP, CPA, & LUTCF- an ins designation from yrs of study & exams !!
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You don't say how weak you are. I would'nt even consider it unless you REALLY have to. It adjectives depends on how much money you would get. The policy can grow surrounded by value next to age. I'd give it extremely serious thought.
The growth portion of the change value is the lone part that is to say taxable. If you are not planning on paying anymore premiums or cannot pay the premiums or you don't involve the insurance anymore then it is probably contained by your best interests to surrender the policy and take what's vanished of the cash effectiveness.
If you don't pay the premiums, the remaining lolly value can be deteriorated by the cost of insurance. Rather than permit the policy die a slow death, it would be better to freshly surrender the policy.
Taking out 90% of the cash efficacy will increase the chances of the policy lapsing and if you want the insurance you will be forced to either repay the loan or verbs to pay the premiums for a longer spell of time.
Another option you enjoy is to do a 1035 exchange into an annuity. That is a non-taxable event and will keep the currency value within a tax deferred investment vehicle. That will exterminate the cost of insurance as well.
I agree with the above, this must be a worst casing scenerio.
I am a professional investor, statistically among the best in the world, I wouldn't ever touch my policies.
Let me make a contribution you three reasons why.
First, if you borrow as long as you do not agree to the policy lapse, it is tax free.
Second, because rates are base on age at time of purchase, you will never get rates approaching that again.
Third, unless it is a very poor policy (and I hold seen them), the underlying brass value should approach the long occupancy bond return over decades of investing. Presuming this policy is several decades old, it participate still in the lofty rates of return on old policies because rates be higher. Unlike a bond when sold, existence policies do not reset to present value. So if you sold sensible underlying property which is supporting the cash pro, you won't see the gain, other policy holders will. It is quite possible that it have either guaranteed or current rates that are above current flea market rates. Many old policies guarantee a 6% minimum rate of return.
That said, I am presuming that your policy is a Prudential, or Northwestern Mutual, of Mass. Mutual, or MONY, or New York Life, or Equitable, of Knights of Columbus Policy. They wrote fitting policies. There are terrible policies out in that. Generally, policies that pay a dividend also call participating policies are better policies. The company does not make a profit and adjectives profits are returned to policyholders.
I also teach at the University height and require my students to evaluate life insurance policies. Contrary to adjectives conception, traditional whole existence policies of the better companies are reasonable really long term investments PROVIDED you necessitate or will need the insurance.
If you enjoy decided never to marry or own children. If the policy is much larger than a burial policy. If you will never become ill. Then you won't requirement this later. Go to Prudential.com and seize a whole vivacity insurance quote and see what the premium will be like within five or ten years.
Your parents likely bought you a costly gift. Don't currency it unless you have no other source of funds.