my bestfriend boyfriend be within a vehicle coincidence and he doesnt enjoy a robustness insurance?
and he needs a surgery and the people they dont have money to ppay by frieday and if they dont wage they arent going to touch him for nothing can u nation help me and wat should i doAnswers:
Answer me put a bet on...what state did this accident take place in....
Different insurance rules apply from state-to-state as here is no unifying federal insurance guidelines.
There are also different programs within different states.
There may be something on his or other family member auto policies that may help.
---edit info---CALIFORNIA
This may not be set to too much to you at this point in your vivacity but I'll keep it to some extent simple...
California is not a "No-Fault" or "PIP" state so the automobile coverage will be limited as follows:
Automobile MedPay policy:
He could record a Medical Payments claim under his own auto policy.
He could database a Medical Payments claim under the vehicle owner's policy if it be someone else's car
He could report a Medical Payments claim under the policy of a household member beside whom he resides.
These auto MedPay policies usually have confines of $1,000-$10,000 and will help somewhat.
Second, if the disaster was not his glitch...
(1) He could file a liability claim against the at guiltiness party's insurance carrier.
(2) If the twist of fate was cause by a hit and run driver that cannot be identified he coould possibly file an uninsured motorist claim against his own auto policy.
If this friend be working at time...he could file a Workers Compensation claim on his enployer's WC holder.
Each CAlifornia County has an indigent aid program on top of Medicare and Medi-Cal programs offered at federal and state level.
This male friend's best choice of coverage for this is "Medi-Cal" if here is no automobile or Workers Compensation policies applicable to accident.
Below are links for (1) AM Best digest of state insurance law... Very Dry reading.
(2) California Medcare program
(3) California Medi-Cal program
Hope this shows you how important it is to be fully insured surrounded by case this happen later to you.
Other Answers:
Check to see if he qualify for medical/medicare.
One word "screwed" but, most hospitals hold a charitable assistance program i know the hospital i work at does. As long as his income falls below the lowest level they will pick up the unbroken tab :)
Have a nice day :)
you should ask a financial expert over at http://www.MechanicsofMoney.com The answer from Fryguy93 is the most accurate one that you have received so far. I own a couple of additional suggestions.
1) Visit the social services department of the hospital where on earth the surgery would be done. Explain the situation. They will be in a biddable position to refer you to programs that may help. Watch out if you are asked to sign any documents that obligate you to retribution for the surgery.
2)Find out if the car catastrophe was work related. If it be work related then it may be covered by the employer workers compensation policy.
3)You can always review your situation beside an attorney who can help you detemine if anyone else is responsible for the chance. That kind of warning may lead to a financial reclamation. Many lawyers will not charge a payment for an initial conference with a client.
Fryguy93 is right around different laws within different states. Depending on where the coincidence happened in that may be a program or insurance that will help you.
Good Luck
I can't find website for the Houston Business & Estate Planning Council.?
Answers:
How's this?
http://www.cfp.net/certificants/sponsor_result_alphaorder_detail.asp?OrgKey=%7B5B72154F-3E7D-4EDB-9747-F2E50194A4B4%7D
INSURANCE AGENTS- How do u use printers within each day actions? what documents? what type of printers?
I am conducting research for a new printer product and I call for to understand the insurance (auto, condition, life, ect.) work environment. If you are contained by insurance please let me know what you print (types of documents), what type of printer you print on (B/W Laser, Color Laser, Inkjet), how heaps pages on average would you articulate you print, and any special features you need surrounded by your industry (duplexing, job tracking/acct, 11 x 17, ect.). Is near any differences between enterprises and small/medium businesses? If you enjoy time to discuss this in more detail I would greatly appreciate you contacting me at shauntae_houff@yahoo.com.Answers:
EVERYTHING get printed, from policy forms, dec pages, to insurance psyche cards, proposals, invoices, collection letters, black & white AND color, not to mention organization reports.
The average AGENT probably prints 200-600 pages A DAY, if you count their support staff.
Of COURSE we stipulation all the above.
I hold no idea what you stingy between the difference between an enterprise and a business - two words, same meaning.
I'm not contacting you directly, because I focus you might be trying to sell me a printer.
Other Answers:
Simply, you will find you print like mad of details, numbers, etc. with high regard to life insurance, especially, amorization printouts, etc. comparisons, etc. Lots of black print, fonts, numbers type, but some chart, color print outs could come into play immediately and then.
Printers are so cheap in our time, find one or two that do not hit you so hard on running out of ink. I hold 2 for each computer, they are so cheap.
why did GEICO ins co give notice NJ within the 1960's or the 1970's?
I know GEICO left NJ previously because of problems near State regs and left millions of $ unpaid claimsAnswers:
GEICO used to stand for Government Employees Insurance Co.
I assume that is how they be able to step away from unpaid claims. Just turn it into a corporation. Change ownership.
Other Answers:
I respectfully disagree from my learned colleague above.
As elevated as people focus their auto insurance premiums in NJ are, they be not high adequate from the insurance industry's point of view. An insurance company, resembling any other business, expects to make a profit commensurate near the risk it undertakes and comparable beside the risk of similar industries.
Auto insurance companies in NJ be not earning such profits, mostly because the state insurance department refuse to increase rates high plenty.
GEICO, like lots competitors, refused to verbs writing business at rates it considered inadequate, and vanished the state. GEICO has simply recently returned to NJ.
Who sets the specific expressions of (rental) saloon insurance that come next to a Visa card?
Does Visa prescribe the car insurance jargon for their Gold and Platinum card levels or can these be set by the card issuers (banks) individually? Which credit card provides the best rental saloon coverage?Answers:
i do not know
Can a ex-federal convict qualify for a time insurance?
Answers:
Sometimes yes, sometimes no. This is a decision that the underwriter have to decide. If the convicted individual has no crime surrounded by the past 5 years and have no intent in doing so within the future, afterwards the underwriter maybe competent to give insurance. If this creature is a repeating offender, afterwards the underwriter will have to deny insurability (because the convict may catch himself killed by the cops or by someone else).
Other Answers:
most likey no because they do fundamentally in depth framework checks. There are plently of other jobs though.
I don't see why not! Yes they do give ex-federal convicts enthusiasm insurance. They don't care more or less any of that all they want is your business. Search for vivacity insurance that don't discriminate. Like Global Life Insurance. There brochure says zilch abut rejecting ex-convicts of any status or due to race color or creed. So look luck, if I come across any other Life Insurance Co. whom don't discriminate against ex- convicts, I'll be sure to post it. Good Luck.
Source(s):
www.globallifeinsurance.com
That is a question that requirements more info. I need to know if the individual is on parole, what they were within for, and how long ago it they were freed. Get me that and I can make a contribution you an answer.
Form needed for current member of staff becoming an "Uninsurable Driver" releasing company of adjectives liability.
A permanent member of staff that was insurable for driving, presently became uninsurable. Our company wishes to protect itself from total liability should the employee become involved contained by an accident. The uninsured driver that also lacks a valid drivers license would be required to sign the form within the event he/she is involved in an chance.Answers:
Call your agent and tell them you stipulation to exclude a driver and they will send you the form which both you and the hand will need to sign (each company have it's own form so I can't just obtain a generic one for you)
Even more importantly don't let the hand drive for anything that can be construed as company business - no trips to the bank, no driving to drop sour a document, no driving to pick up lunch for the rest of the office, etc.
Hope this help!
Can a individual on Federal Probation buy duration insurance?
Can a person that serve time for marijuana conspiracy own a life insurnace policy?Answers:
First of adjectives, you don't buy life insurance. You hold to be able to qualify for it. Life insurance companies will do medical test and may test your blood as powerfully.
So, to answer your question, yes you can get hold of life insurance and you will hold to pay first month premiums. When you sign the paperwork and the agent leaves the house next to your paycheck, you are automatically covered. During the next 2-3 months, the insurance company will do its underwrite to see if you qualify for life insurance. If you don't qualify, your premiums will be returned to you.
If you want to know some facts nearly different life insurance products, distribute me a message by clicking on my profile. I have a textbook that go into detail about different types of go insurance.
Other Answers:
Talk to a licensed agent in your nouns. Your circumstances are personal and specific to you.
Chances are, yes, you can get a time policy. The question is how much it will cost you. Many insurance companies may classify you as a big risk and charge higher premiums depending on the rules of your probation and how long ago that occur. Talk to one or more agents.
Yes, depending on the policy and who issues it. You may be tabled a higher premium you may not. Some applications don't even ask almost felony convictions. Keep in mind, however, insured or not, no policy is going to recompense a death benefit if the insured dies while incarcerated surrounded by prison. In jail awaiting trial yes, but not post conviction custody.
you will necessitate to be off probation first back consideration by companies. I dont know of anyone offhand that will whip you while on probation.
getting a life insurance cover is pretty confident with a dutiful plan
however it may get a bit tricky at times, I suggest you get hold of as much information as possible online on this first,
a good place to start contained by my humble opinion is:
http://umgarticles.atspace.com/insurance.htm
a couple of years ago I took such a plan, however I made some errors, luckily for you they are adjectives tackled surrounded by this article so you cannot make indistinguishable errors that i did! ... I only desire the internet was around at that time!
righteous luck
How much be copays twenty years ago?
Answers:
Co-pays were not adjectives 20 years ago, as most plans were leading medical with coinsurance. However, my department visit copay have been $10 for the finishing decade, with singular this year increasing to $20
Other Answers:
there be not copays twenty years ago.
Copays have stay above all the same at 10, 20 dollars for days gone by 20 years. Now it is hard to get hold of a twenty dollar copay from insurance companies with out paying a fortune for that right. Golden Rule have some but you have to settle an extra 100 dollars a month for the right to have a 20 dollar co-pay so I recommend an HSA.
When I started at my opening 20 years ago, my dr. co-pays were $5, presently they're $20.
20 years ago, copays were not popular. It be co insurance. Normally a plan would be 80%/20%. The member would repay 20% of the bill after the deductible was met ($100 be a common deductible). RX might hold been included but you have to meet the deductible, foot the full cost of the drug and submit a claim.
what is the amount financed, monthly money, insurance per/year for a 2006 cadillac?
Answers:
Go to a Cadillac dealer's website, and use the payment calculator. Use an accurate interest rate for your credit rating, not the average i.e. already plugged in. This will supply you an ESTIMATE. Remember this will not include TT&L, or an extended warranty should you choose that option. Insurance can be quoted through your agent.
Other Answers:
amount financed depends on what option you choose and how much down payment you own
monthly payment depends on this too
insurance would be dependant on your driving account and which company you choose to go near
Starting vivacity insurance within 20,stupid or could salvage your adjectives?
Answers:
Well, you probably don't understand the principle why you got it. But I'll explain to you this: you made a good choice. Because, as you acquire older, your premiums go up each year you hang about.
I bought 30 year term insurance at age 22 near $250,000 coverage. I pay almost $29/month. If I become terminally unwell for 6 months straight and expected to die soon, I can use 40% of my coverage to pay the premiums. Why I bought energy insurance? In case I die, my parents would not own to worry around funeral costs and they can use the money toward retirement. If I get married within the future, I can donate my wife to my policy as a spouse rider (then child riders, if I decide to enjoy them. lol).
I also started investing into mutual funds and put away $100/month into my IRA. I'm hoping when the 30 year term ends, I will enjoy plenty of money in my IRA and that I don't obligation life insurance anymore (or not as much). Hence the phrase, "Buy Term and Invest the Difference."
I hope this is what you did or something similar. If you hold something called lolly value, you involve to get rid of it (because if you die tommorow, your beneficiary will individual get the demise benefit. The company keeps the bread value)
Other Answers:
could save your adjectives.
It's realy biddable for you. And another way, u r research to save money, near your future.
I started within 23. N now I presume it was a TRUE gud decision.
Definitely will save your adjectives. If you have no children, and are not planning to enjoy any soon, you probably do not need time insurance. If you do buy insurance, buy term insurance. If you want to invest money, put it within a mutual fund or in the guard, not in a complete life insurance policy.
See this interconnect:
Source(s):
http://www.fool.com/insurancecenter/life/life01.htm
http://www.fool.com/insurancecenter/insurancecenter.htm?source=LN If you are single and without children it would be sage to buy life insurance for your grandparents. (All of them)
After one of them dies you can use the money to buy energy insurance for your parents (Both of them) getting a life insurance cover is pretty effortless with a flawless plan
however it may get a bit tricky at times, I suggest you gain as much information as possible online on this first,
a good place to start contained by my humble opinion is:
http://umgarticles.atspace.com/insurance.htm
a couple of years ago I took such a plan, however I made some errors, luckily for you they are adjectives tackled contained by this article so you cannot make like peas in a pod errors that i did! ... I only choice the internet was around at that time!
worthy luck
How long does an insurance sale consultation nick?
I'm looking into going into sales for a local insuarance company, and they're requiring 5 appointments a morning... how long does 1 appointment usually take?Answers:
That depends on the client. Someone looking to buy a moment ago auto insurance will not take as long as a client looking to buy homeowners, auto and energy insurance.
How can i boost my spoken english .?
MY first languge is amhric.that why i am not flent speker of english .Answers:
I would use a dictionary to help you speak english.
What do you involve to know about life span insurance? See my profile and you can contact me there.
Other Answers:
try readin lots n lots of english books read grammer books thats it
move surrounded by with an english speaking family unit
Speak and listen to others in English. Use Skype - the internet phone which allows you to enter chat rooms where on earth you can listen and speak to others anonymously.
watch profoundly of American/ English movie and use English as subtitle, it works for me!
Do this alone if you're embarassed. Watch TV and repeat what people are clich¨¦. Try to say it only just like they do. If you're not sure of a word, look it up. Eventually you start remembering more and more words and it feel more natural to speak them. This works really very well with commercials because they win repeated so much. That's how I learned Spanish.
Go to conservatory and take English 101.
Can you buy go insurance on anyone? For example: Someone you know lives a treacherous lifestyle?
Answers:
Generally no. You cannot buy life insurance for anyone. You must enjoy a relationship with such personage. There must be insurable interest.
Someone who lives a dangerous life span like a influential duty military personnel, a pilot, someone who does extreme sports, etc, are usually not insurable by any insurance company. Though some will do it, but you will have to pay cheque a very dignified premium.
There are questions on the existence application that the agent must read. If the person you are trying to insure match any of the dangerous occupation, then the agent must not progress further in the application.
Other Answers:
Yep solitary you will pay complex premiums but you stand to gain more if they die... what do you mean precarious
like CIA chancy
or like alot of sex and going out
or hamlet violence
sermon to allstate.
This is a two factor question
Can you buy energy insurance for anyone- No. They must have a direct relation to you(I am speaking surrounded by a matter of nouns since there is no policy on this planet you can issue near out the insured's permission except within the case of an amployer/employee policy). A kith and kin member, someone contained by your household, someone who would have a direct financial issue resembling your employer or business partner. There are a few other examples but they are not worth mentioning.
For someone who lives a dangerous life-Yes. But I would not want to be the one to clear that premium! The riders(additional coverage based on individual situations) would get this policy very expensive. You could steal the cost down based on absolute types of death(I assume you are looking for accidental departure and dismemberment) in relation to how long ago the policy be issued since most policies do not have full coverage for two years.
Source(s):
Licensed Life and Health Insurance Producer(New Jersey, beside NY, PA, CT DE, FL)
Quick Answer....
Most states require that a beneficiaty hold a "Insurable Interest" in adjectives Property and Casualty claims and even in Life and condition claims.
Most insurance companies will not honor a life claim rewarded to someone without an insurable interest within a person's life.
how to become a top vendor?
Answers:
Value, trust & integrity
Other Answers:
I'm assuming that you are some type of insurance sales creature? I would check out http://www.findlocalinsurance.com
Its a great way to attain the word out about your services.