Is in attendance any federal Agency set up to police the practices of insurance companies?
Question:
I have plenty of evidence supporting my claims of disability but my shipper keeps trying not to clear me. Just seeking some help.
Answer:
Insurance is regulated by State, not the Federal Government. In command to sell any policy inside a state, it has to be approved by that states department of insurance. To wallet a complaint, you file it beside your state department of insurance.
What is the reason they are giving for denying the claim? In directive to be covered by a disability policy, it is going to depend on what the policy says it covers. Disability policies are not standardized at adjectives so you and I could live next door to respectively other have the exact same disorder or injury and one of us might be covered and the other one wouldn't.
Was this a policy you carried through your employment?
If they are denying the claim, they must have given you a function somewhere along the line.
I can't really try to digit out what you might do next minus more details.
get a advocate or advice for free the first hour is other free
No, the closest Federal thing here is, is a federal FRAUD unit, to prosecute insurance fraud.
Fair claims practices, etc, are adjectives regulated on the STATE level. You'll hold to contact your state insurance department. Be sure to include copies of the denial letters the mover is giving you, along with your reason why they are wrong to deny you.
You can ALSO go down to your local agent and ask them for suggestion - even your auto insurance agent would probably know a little bit going on for this.
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First, folder a complaint with the department of insurance for your state.
Next you will hold to find a lawyer to support you sue them in court.
Sorry in attendance really isnt many more option for you
Is it too risky to be a homemaker even if spouse have obedient energy insurance?.?
Question:
We both agree that I should be with kids but I'm worried around financial risks.
Answer:
I would say as long as it is financially affordable, stay home. The kids entail your influence during the early years. Do you own a college education? Could you find a fitting job if something should evolve to your husband? These are also considerations. Make sure the life insurance is sufficient to pass you time to find a good assignment if something does happen. Not only a years income, but several. You don't want to be rushed into doing something you would not be happy doing.
?? You'd a bit be thrown out of your apartment with 30 days consideration, than kicked out of your own home with six months identify? How does that make sense?
How is owning a home smaller number risky than renting an apartment? As long as you're not overborrowing to buy the home, you're crazy to NOT own a home. Even if you buy a house, and sell it ten years then for the same amount you compensated for it (which rarely happen, btw), then you've lived rent free for 10 years. How is that risky??
not sure what that later answer had to do beside a spouse staying home with the kids
as long as you dont divorce and you enjoy enough money surrounded by insurance to live off of if something happen to the husband you should be ok,
do you have adequate to replace his income, or to pay sour the house and college for the kids,and enough to tolerate you get by until you could procure a decent paying employment?
Mbrcatz17: She said HOMEMAKER, not HOME OWNER. But good point anyways.
My wife lately went pay for to work part time after 7 yrs at home to incline our kids. Just make sure that the insurance is plenty to cover expenses for some time so you would not have to bring the want ad to the funeral. (hope that didn't sound too rough, I didn't intend for it to.). 2 other things for you to consider:
1. take insurance for you. A big mistake often made by stay at home spouses. If something be to happen to you, your husband will hold to either stay home or get hold of child care.
2. go and get Disability Insurance for him. It could be a fate worse than extermination! If he becomes disabled & not competent to work, & you have no income, you will hold to become the sole provider for the children, him & you. You will have to work & pocket care of adjectives of them. That can be a huge strain. with DI, you can own a portion of his salary still coming surrounded by to help out.
No
Surely
I own a small organization cleaning business, will my customers ask for proof of my auto insurance?
Question:
Will they need proof of auto insurance or purely a certificate of insurance of broad liability insurance to cover slip and fall cases etc.?
Answer:
I can't deliberate of a reason they would stipulation your auto insurance. You're not using your car to verbs their offices.
However, if you don't own auto insurance, you need to receive it for your own protection. You don't want to risk losing everything you've worked for in a lawsuit should you enjoy an accident.
The liability is to protect them from any impairment you might do or cause surrounded by the course of your work. Obviously, you need to do everything within your power not to cause any wounded or leave a floor covered next to soapy water and do someone to fall but they involve to be protected in baggage something does happen.
No, but you should win bonded.
Unless you are driving your customers to the donut shop while you are doing your cleaning, they do not need to be name on your auto insurance.
It's highly unlikely they'll ask for the auto coverage. The Cert of Ins on the GL should engender them happy.
If they dispense you a standard form that lists it, a moment ago call their risk do paperwork, and ask for an exception. Or have your agent put together that call.
It's possible.
I enjoy a client who does maintenance for UPS. They required that he tilt his auto liability limits to $1million and that they be planned on his policy. (They also required that he purchase a $2million personal umbrella policy.)
According to the rep. I spoke to at UPS, it's because he would be parking his car within their lot while performing duties as an "agent" of their company.
And yes, they will also most likely require broad liability coverage.
I doubt it, I've been surrounded by the cleaning business for 7 years and never have be asked this. You may need to provide proof of standard liability coverage and workers comp though, if you have human resources.
Who should own your natural life insurance?
Question:
Many people enunciate that you should not own your policy & that it should be in a trust so that it is not division of your estate. But, when you die, it is not in your estate, it go to the bene right?
Is there a right/wrong, good/bad mode to handle policy ownership? What more or less making changes? if you dont own it, can you craft changes if you requirement to?
Also, in what instance should the bene be the trust or a soul?
Answer:
Well, I want to OWN my life insurance policy! Because the OWNER get to pick the BENEFICIARY. The life policy is NOT part of the pack of your estate, unless the beneficiary is your estate (which is kinda dumb, it defeats the purpose most of the time).
The ONLY being who can make change is the policy owner. The ONLY time the policy should be owned by someone else, IMO, is if the insured person is a minor, or is properly incompetant.
OR, if your estate planner tells you to, but he have to tell you WHY, and you enjoy to UNDERSTAND it.
The beneficiary listed on the policy get the money regardless who is listed surrounded by the will.
the person who are taking the policy
i would want to own my policy on my own time, just enunciate my wife owns it and we divorce, i cant change it at adjectives, she can just hang on to paying the premium and collect the death benefit when i die, regardless of if i remarry,or hold kids
it happens, i would basically want the control of it for myself
Whoever is paying the life insurance is the policy owner. Usually a household member can singular purchase a life policy on you. There also must be an insurable interest between the payer (the policy owner) and the one anyone insured. Of course, the insured is the one who will be subjected to medical underwriting test and must agree to have the coverage on him/her. If someone is paying for your time insurance, you should ask yourself, "do i have a problem next to it?" Though, it may kept you on high alert on the personality who is insuring you.
In most cases, it is usually the insured who owns the life insurance policy. It is just the policy owner who can make change in the policy and who he/she can entitle the beneficiary. The policy owner has option on what he/she wants to do beside the cash convenience.
So it makes sense that the one self insured should be the one paying the life insurance. The one who pays is the one who owns the policy.
As for your query for the beneficiary, you should only term a trust for a beneficiary IF: you want the death proceeds to income for a child's education. In most cases, a individual will name someone they strictness about as a beneficiary (such as spouse, children, parents, brothers and sisters, etc.). However, within is no law that states the beneficiary must own an insurable interest on the insured. So, you may be able to label a pet as a beneficiary (though many insurance companies requires that the beneficiary enjoy a social security number so they can track where on earth the beneficiary lives).
If there is no beneficiary name or all the beneficiaries are motionless, your estate is the beneficiary. Whoever is related to you, the court will decide who will bring what.
What amount of total sale of insurance company considered vatable?
Question:
Answer:
Yes, VAT is a real word. We only don't have it surrounded by the U.S. It's Value Added Tax. Travel to London. You'll pay a VAT tariff on damn near everything.
I a short time ago don't know the answer to the question since I'm contained by the U.S. and have no clue what the VAT tariff is on insurance in the U.K.
Don't know if this help or not but here's some info I found.
Value-added tax
VAT, which is a toll on goods and services, is policed by HM Customs & Excise. There are three rates of VAT: 17.5 per cent (most things), five per cent (fuel bills, for example), and 0 per cent (children's clothing, for example). Any business next to a turnover of more than lb58,000 a year must register for VAT. You can register if you turn over less than that, but remember there's extra paperwork as you own to make VAT returns, and getting them wrong or anyone late incurs big fines.
Having said that, if adjectives your customers are VAT-registered it might pay for you to be because you can consequently claim back VAT on adjectives your purchases for the business.
diffrent states have diffrent law
vatable, is that a real word?
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What is and how do insurance companies use CLUE reports against you?
Question:
Answer:
CLUE stands for Comprehensive Loss Underwriting Exchange. It's purely in the US, where on earth companies report loss information, and then can retrieve loss information on a potential policyholder.
It can work against you, if you go amiss to report a claim on your application - because that claim WILL Show up on the CLUE report, and people beside lots of claims (either homeowners or auto) will have a harder time finding insurance; when they find it, it will cost more.
When you capture a new house, the CLUE report ALSO shows prior claims at that location - so even if it's not YOUR claim, it be the prior owners - and some claims could indicate an inherent problem with the property, such as repeat dampen damage claims (roofing or pipe problems, or potential mold issues).
So someone else's ripened claim can actually affect your competence to get a homeowners policy at that location.
Insurance companies don't use CLUE reports AGAINST you...they use them to find previous claims made on a home. This is how they evaluate the risk of selling an insurance policy to you on the home. It is not intended to be against you, just a fact-finding mission to see if your home is prone to mischief before they agree to insure it.
I surmise based on reports
Can i hold a rough and ready infromation on insurance?
Question:
Answer:
Here's a definition from Wikipedia. You'll have to be a bit more specific as to what it is you're trying to find out. There are frequent types of insurance. Life Insurance. Automobile Insurance. House Insurance. Fire Insurance. Flood Insurance. Workers Compensation Insurance. I could probably name 20 more types of policies lacking thinking too hard. If you'll be more specific as to what you're looking for, someone might be capable of give you a better answer.
Insurance, within law and economics, is a form of risk direction primarily used to hedge against the risk of a contingent loss. Insurance is defined as the equitable verbs of the risk of a potential loss, from one entity to another, in exchange for a premium. Insurer, within economics, is the company that sells the insurance. Insurance rate is a factor used to determine the amount, call the premium, to be charged for a certain amount of insurance coverage. Risk government, the practice of appraising and controlling risk, has evolved as a discrete pen of study and practice.
You really should be more specific in your sound out.
Basically, Insurance is the TRANSFER of RISK to someone else - the insurer. You pay the insurer a lasting amount and if specific events happen (someone steals your motor ), then the insurer pays most (or all) of the cost of the loss. If nought happens, the insurer collects the subsequent month's premium.
Go talk to a licensed insurance agent.
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Yep.
Insurance is betting. Agents are bookies. The probability, as usual, are slightly in favor of the house (the insurance company).
When you clutch out a policy, you are betting your premium money that something is going to happen, against a larger payout. The insurance company is betting it's not going to crop up.
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Is commercial auto insurance much more expensive than personal?
Question:
I have a bit Mr. Fix it business on the side and I carry a few tools surrounded by my SUV. I am thinking of getting a commercial auto policy. Will it be more expensive than personal and how much more?
Answer:
Good question.
The answer vary.
But the bigger question is, will someone WRITE a commercial policy on you. Here's the dipper - for a while, about 15 years ago, some folks were trying to avoid paying chance surcharges by calling themselves "contractors" and putting their vehicles on a business auto policy. Well, losses skyrocketed, and insurance companies changed how they do it.
So if you enjoy LESS than 5 vehicles, and they are registered surrounded by a PERSONAL name, most insurance companies won't put them on a business auto policy, unless they are a "business" class - close to dump truck, taxi/limo, delivery vehicle. Of course, one of these business type classes is MUCH MUCH MUCH more expensive to insure on a business policy than a SERVICE type vehicle (to and from a position site). The only time it really get cheaper, is if you have a colossal fleet of vehicles - at LEAST 5, but the serious price breaks come when you enjoy more than 20.
So, to sum up - unless the SUV is registered in the entitle of a corporation, you are not going to get anyone except Progressive to put this on a commercial policy - and THEN it will be more expensive than a personal policy.
Oh HEL* YES! I tried to seize comm. insurance and it was going to run $300 to $500 per month. If you enjoy a business making good money, it's worth it. But for pizza conferral, it wasn't a good conception.
whos gonna answer this?
Question:
with the previous ans related 2 duty in airline industry as a holiday home crew,still didnt find any major info to bring into sucha profession.By any chance if any1 get ne idea please share.
Answer:
What does this own to do with insurance?
i really don't know but i would ask the subsequent time you fly how they got their duty.
Go for the insurance
u can join some institute who train ancestors for these kinds of jobs( resembling AHA, frankfin) or u can irectly post ur resume to these airlines. just be in motion to one of there websites nd consequently then u can upload ur resume near.
Car Insurance ripping us rotten?
Question:
My fiance and I owned a 05 Scion Tc and it had just 14,000 miles on it. for some reason we be driving and the car stalled he tried to restart the subsequent thing we know in attendance were fire shooting from the bottom of the coup¨¦. this incident happened on 9/23/06 and ever since we havent hear anything from them. we did speak to them the next Monday after the incident and they requested adjectives the information from us and they sent someone to take pics of the coup¨¦ and left it at that. afterwards later on they towed the saloon and dumped it;...I called today to follow up and they said they sent correspondence to us through certified mail and to our comprehension we never received them. It's ridiculous if we received the letters we would hold given them all the info. b/c we still own to pay on the saloon..we asked them for proof of it they said they already closed the case they do not enjoy the information anymore... what should we do?
Answer:
What was the incentive of the fire?
Your vehicle insurance does not cover mechanical defect and this sounds mechanical.
Since this vehicle be only one year weak, wouldn't it have still be under warranty from the Manufacturer?
I devise you're looking to the wrong party for reward. I'm guessing those certified letters be probably denying your claim if it was powered rather than a covered claim.
As for them no longer have the file, that's ridiculous. Insurance companies keep files for years. It's sitting contained by the closed drawer somewhere. Besides, how would they know they had sent certified junk mail if they didn't have the record anymore.
However, you need to contact the capitalist and find out about warranty coverage.
Additional transcribe - If the fire was electrical, why haven't you call Toyota? this is a one year old vehicle at the time of the incident. Doesn't Toyota enjoy a warranty?
Second additional entry: Where is this car presently? I don't think it's up to your insurance company to contact Toyota. Toyota should enjoy been contacted ending September when this happened. If in that is no coverage on your Auto Insurance because it was cause by a mechanical malfunction, then the insurance have probably done all they can. However, they enjoy the records of their investigation and how they come to that conclusion some place. You're going to need those for Toyota.
Call the Insurance rear and ask them to fax you copies of their reports. Call Toyota and make arrangements to attain the car towed to Toyota and gain them copies of the insurance reports.
I hate to budge against the grain here since everyone else seem to be telling you to complain to the Insurance Commission but I'm only not seeing this as an insurance issue so I don't see that it will do you any good. I'm in recent times amazed that this car have been sitting near for 5 months though with zilch being done. I would own been on the phone the subsequent day to Toyota. A vehicle doesn't purely spontaneously combust. Something caused that.
Call your state insurance dept and speak about them this story, ask them what can be done. Tell them you want to file a complaint against your ins co. They should make clear to you to either contact the DA for criminal charges (against the ones that get the money) or might need a legal representative to sue the ins co. But make sure your bf didnt sign for the certified parcels. Also check to see if any recalls on the subject of the car where on earth in effect in connection with electrical problems.
First and foremost skip the claims handler you're already talking to and move up one nick on the ladder and speak beside his/her supervisor.
Also contact you're actually agent (unless you're with the sole purpose contact has be online or your company doesn't have a physical pressense surrounded by your state, e.g Geico, ESurance, etc). If you have an agent exsplain whats happen and solicit advice and lodge complaints, try to draw from the agent to pester the claims people as powerfully (sometimes agents have friends and can expedite the claims process).
This is also something where on earth you call frequently, several times per week until the issue is resolved (don't continue several weeks or months inbetween times of contact).
What will be helpfull would be to find out what they've actually done beyond what you hold currently listed, enjoy they made payments to the Lienholder? etc.
It sounds like you should own coverage under Comprehensive (a.k.a. Other Than Collision or OTC) which vitally covers, fire, theft, act of God, etc. So the company should be paying something minus the deductible.
Also, contact your dealer or find the imaginative paperwork for the vehicle, chances are the buyer snuck in a coverage call GAP insurance which means if the cars totaled the insurance pays what it pays later the GAP coverage takes up the slack to finish bad the loan ammount. This is something which can also be added to most regular insurance policies.
And if it's not on your policy you need to ask your agent why the @% not.