How do you return with a AZ Property/Casualty License?
Question:
I am looking for where to return with it, pricing etc. All info appreciated. Thanks :)
Answer:
It's all right here, at the Arizona Insurance Department website: http://www.self.state.az.us/producer.html...
What are Flex benefits?
Question:
Answer:
They may really be referring to a Flexible Spending Account (FSA) which is a benefit that many employer offer.
You can see a certain amount of your paycheck be set aside pre-tax (meaning you can reasonably shield this income from federal income taxes).
The money in that information can then be used for a quantity of spending items like bus pass, certain medical expenses, etc.
The stop is that if you set aside money and at the end of the year you don't use it.you lose itso you hold to budget carefully to fashion sure you spend all of what you put within.
It can mean several things.
(1) Ability for member of staff to set their own working hours or ability to work some hours at home.
(2) Ability for member of staff to select which benefits they need from a menu of benefits and singular pay for those ones. That is, at age 18 you may not want $2 M worth of go insurance that someone with 5 kids requirements.
Flex benefits are benefits where you procure a choice. For example, your company may offer two medical insurance plans, one that give better coverage - but you have to salary part of the cost, the other beside less coverage, but the company pays adjectives the cost.
This could also be optional benefits that you may or may not need to purchase.
Your company could be allocating you a certain number of dollars. You agree on what you want to purchase. If you spend less after the dollars they give you, the go together goes within your paycheck. If you send more, the money is taken from your paycheck.
I inevitability aid in connection with information roughly speaking the different departments surrounded by a non-life insurance company..?
Question:
i need to know what the departments are and links to sites next to these. also, their functions please help appreciation
Answer:
Typically there are four - claims, commercial lines, personal lines, and rule.
Sorry, this is GENERAL knowledge, near isn't a "web site" where on earth you can get a interconnect.
Also, each department is going to enjoy SUB DEPARTMENTS. But it varies like wildfire from company to company.
- Personal Lines Underwriting, which can further broken down to Personal Automobile, Personal Property and possibly Personal Casualty;
- Commercial Lines Underwriting, which can be further broken down to Commercial Auto, Commercial Property and Commercial Casualty;
- Marine Underwriting;
- Claims, which can be further broken down to Automobile, Property and Casualty;
- Human Resources;
- Accounting, which can be further broken down into General Accounting and Acturarial;
- Marketing;
- Legal;
- Executive;
This would be an extreme example of a very roomy company. Many companies either would not own one of the departments listed above as they do not join in that type of insurance (i.e. Marine), or they are too small to support the expense of such a department and outsource it instead(i.e. legal, claims).
I own a friend who worked as an Inventory Clerk surrounded by a Resto Bar?
Question:
It is a policy of their company that they are not allowed to come to their working nouns during their DAY OFF pero yong friend ko pumupunta pa rin doon kasi susunduin nya yong girlfriend nya na nag work sa isang company near the place and he also dance to the said Resto Bar for personal necessities, he is aware of the said company policy but he never thought that they really mean it anyway some of his co workers also go there during their DAY OFF, during his DAY OFF also he will be call up by his Head to come for some cause, it so happen that an incident occur the money that cost P1,000 pesos specifically placed on their tip box was lost near that reason motive he used to go within he is accused by the owner, by the commissioner for as they've ask the guard on duty they saw my friend went here every night but the guard cannot pin point the he is really the one who took the money, at hand and then the owner itself issued a Memorandum to permit him explain of going to work during his day bad
Answer:
huh? check your spelling
Finanace project?
Question:
student of MBA
Answer:
sure, your project is to send me nouns.
the way to remove unconstitutional immigrants from this country near less than $50,000/state contained by expenses and generate billions back into the discount of state and federal governments.
email me if you want to know how.. I've already get my MBA
And I've already tried it in 1 city, accidentally, and it worked.
Now. how to put it in play???
Does anybody know how much income does a senior insurance investigator find ?
Question:
Answer:
It depends; if you're talking a State-employed senior insurance investigator, the globe park range contained by my state is between $50k - 56k. Those employed by private corporations earn several thousand more, although I know one such person who started surrounded by the low $60k's.
a lot!!
Can I call upon my insurance on for the house I own and I be renting and be vandalize after the renters disappeared?
Question:
They broke and stole some items and did lots of damage,
Answer:
I'm rather unclear of the situation. Is this: a) a house you bought as your primary residence, and you be renting it out while you were living elsewhere?; b) Were you renting out a portion of the house you live surrounded by (i.e. basement suite)?; c) Is this a house you purchased specifically to rent out while your principal residence is elsewhere? If the answer is a), I hope you switched your policy from a Homeowner's Policy to a Rented Dwelling policy. If you did not, don't bother beside the claim, as I can guarantee you will be denied and your policy voided for non-disclsosure of a material certainty. If the answer is b) or c), or if it is a) and you have the proper policy, after this will depend on how comprehensive your coverage is. If you have a unsophisticated Named Perils or Fire and Extended Coverage policy, damage/theft caused by tenant will not be covered. If you have a Comprehensive or All Risks (on both Building and Contents), next the answer is: maybe. Some companies, even lower than their most thorough policy may exclude damage cause by tenants. Some may cover but will restrain the amount payable (I am looking at an All Risk policy now which EXCLUDES "loss or pull caused directly or indirectly by any tenant, or any guest of tenant, for peril of theft, vandalism and nasty acts for amounts surrounded by excess of $5,000"). Your best bet is to check your policy wordings and/or contact your Broker/Agent and ask.
As long as there be no one renting the property and what be in the house belonged to you next yes, call your insurance company.
Yes, as you would expect you can file a claim on your insurance. And I would no problem do it right away.
What you will actually take out of the claim will depend on a variety of factor such as:
How much damage the renters did, (if they did smaller amount damage than your deductible, in attendance will be no claim)
What type of policy you have. Most homeowners policies will cover the home structure surrounded by the event renters vandalized the house, but near a cheaper policy you may have exceptions.
Call your insurance agent and transmit them what has occur, usually they will point you in the right direction (as they are not the claims adjusters, and usually their business is keeping you happy).
Yes but expect an increase or cancelation.
Got renters insurance but for no you gotta sue them in small claims court record 1. police report 2. take lots of pictures 3. hold all repair recipts (never know you might be on Judge Joe Brown show) sorry dude
Are you truism it was vandalize by the tenants or vandalize after the tenants vacate by somebody else? If the later consequently it shouldn't be a problem just as long as the property hasn't be vacant for more than 30 or 45 days. If it's the first afterwards it's more difficult because it needs to be determined if much of the bring down is just because that's how the individuals lived. For some it's quite run of the mill to put holes in the walls and break things believe it or not. If the tenant did it all at once when they vacate the property then product a police report and call your insurance company.
Well, you'd better hope that you enjoy it on a dwelling fire policy, and not a true homeowners policy, or they're going to cancel you, because a "homeowners" policy desires to be owner occupied.
Is the DAMAGE covered? Depends on the type of spoil. I have see some types of damage covered, and others denied. And it's going to depend if it's wear and rupture type stuff, like mat staining, or deliberate vandalism - similar to smearing stuff on the walls.
loss of use standard per diem?
Question:
we had a serious problem near a sears refridgerator. they hold agreed to settle the claim (about $30,000), however, we will be unable to live surrounded by our home for approx 6-8 weeks. does anyone know if there is a standard "per diem" for loss of use for a family connections of 4. they are giving us some trouble over paying for a hotel for this time period, however, we enjoy to live somewhere, and the damage is within our kitchen. our home will be unlivable. thank you so much for your help.
Answer:
No, it's going to come and go by geographic region. I'd think for 6-8 weeks, they'd reckon about putting a trailer on your lot for a couple months - should be cheaper than a hotel. Because, frankly, you KNOW it's probably going to be closer to 10 since the contractors are done, ESPECIALLY over the holidays.
So sorry for this to happen, especially at this time of year.
if you haven't adjectives ready.contact the attorney standard,for consumer fraud..and problems..call around to the well-mannered hotels and get here estimate,plus repair..any school age children,transportation,meals,... mat,do you enjoy home owners insurance?.
if they settle for whatever near will be no per diem. homeowners ins may help but i doubt it must of be some serious damage if you can't liv nearby for 6-8 weeks.
I can share, that in the state of Texas, the per diem for loss of use is 20% of the dwelling amount... Ex. you insure your home for $100,000. Loss of use coverage would be $20,000! This covers adjectives necessary things of everyday living; food, dry cleaning, hotel, anything you involve to continue living-almost! Hope that help!
Loss of use coverage will vary by policy. In some cases, it is an amount per afternoon, but in heaps cases it is a percentage of the insured item (if the insured "item" is your home, it would be a percentage of the value of your home). So, your best bet is to check beside your insurer and be sure which kind of coverage you enjoy, so that you can budget your expenses appropriately.
I've had to collect underneath "loss of use" before, and it be a per diem amount in my suitcase, and it meant that the full costs of the storage of my belongings, plus a place to stay, plus food, wasn't really fully covered. Had I certain that, I would have budgeted a smaller quantity expensive solution to my difficulties.
No failure Accident and they want to pay envelope partly??
Question:
My girlfriend what hit from behind waiting for vehicle to move in front of her. The guy that hit her lied and said she be moving from the right lane. He hit her dead center and cracked her bumper surrounded by half.
Anyways, her insurance (Farmers Insurance) cleared her of any wrong doing but the guys insurance (ALL STATE INSURANCE) say they will only compensate for half the injury. If my girlfriend wants to gain her car fix..she have to pay the deductible which is more than the cost of the repair.
Ok my sound out is, can we take this guy and All STATE to small claims court if FARMERS insurance doesn't want to do anything? What can we do? She did zilch wrong and shouldn't have to compensate anything out of her pocket...Help if you can ...Appreciate it..
Answer:
Unfortuneately for you the worst insurance companies in regard to claims are probably Allstate and Farmers Insurance.
Your chances of conquering this lawsuit would be better if you have a police report or a witness. If you don't enjoy either see if you can find a witness and own them sign a statement as to what they saw.
File a complaint to your State Insurance Commissioner about Allstate's lowball proposition
http://allstateinsuranceonline.com/doi.h...
Post your complaint at
http://allstateinsuranceonline.com/compl...
In most states you file your small claims lawsuit against the insured not the insurance company. Allstate will try and guard their insured in Small Claims but they can't. They will beckon themselves as witnesses probably though. There is information about small claims at:
http://www.farmersinsurancegroupsucks.co...
Take pictures of your vehicle and lift pictures of the location where the chance happened. The more evidence you enjoy the better!
Go in that court room beside confidence. Allstate is trying to rip you off and they hope you stroll away with their lowball proffer. I am glad someone is fighting pay for for their rights. You can win this.
Good luck!
If she was hit from at the rear it's his fault. She shouldn't hold to pay a dime.
Get your self a perfect lawyer and sue the pant off All State Insurance,and the entity that hit her.
try in a Legal course
First of all, if the desecrate to her car is smaller amount then the deductible, Farmers CAN'T do anything. They can't sue the other guy on your behalf and since they also can't payment anything, there is zilch they can do other than to possibly bestow your girlfriend some advice.
What does the police report vote as to who was at culpability? Did it state your girlfriend was somewhat at fault? If the police determined that she be partially at reproach, then to be precise why the other guys insurance only requirements to pay for sector of the damage.
If your girlfriend believes that she be in the right, next file a small claims exploit against the other driver. If you win, you will get the full amount of the ruin. Be prepared when you go into small claims court. Don't show up in need every piece of evidence you have. Estimates of defacement. Police report. Any witnesses that saw the accident. If the witness can't come to court, consequently get a notorized statement from the until that time you go.
You don't run Allstate to small claims, they didn't cause the quirk. You take the DRIVER of the vehicle, and you appropriate the OWNER of the vehicle, to small claims court.
BTW, in a true no-fault state, everyone ALWAYS collects from their own policy, ALWAYS. I'm guessing you aren't really contained by a no-fault state, or Allstate wouldn't have volunteered to payment half. Likely, you're state is no-fault for medical or some such.
KEEP THE BUMPER. You'll enjoy to show that the damage is square on the subsidise center. My guess is, Allstate will cough up the rest of hte money as soon as they get a copy of the suit papers, as it's pretty cut & dried. Don't forget to include suit file costs and rental reimbursement coverage, for the time the car is surrounded by the shop.
Why Torontonians(ON) reimburse much more for vehicle insurance after Montrelises (QC)?
Question:
How insuracnce com. come up with a primiums, since insurance coms. contained by other cities around the world ( with a same population and same average-population-earnings) qutoe much smaller number for a car insurance?
Answer:
Rates that change by geographic location, vary for the massively basic intention of, the insurance companies end up paying out more surrounded by one city, for every dollar taken in, than contained by another city. Some of the reasons for this can be: difficult use of attorneys, higher percentage of uninsured motorists, leaning of very aggressive driving (ever hear of "Boston Drivers", the seedy WORST drivers, on the whole, surrounded by the entire us?), higher per capita break-in rate of vehicles, more injuries compensated out, worse public road system (more crashes due to non-maintenance), higher repair costs, harder to acquire replacement parts, more chop shops, higher rates of insurance fraud, greater population density (leads to more accidents).
Hope that help. I'm on my first cup of coffee, so I probably left something out.
Accident experience is different for respectively province, so premiums are too.
No-fault laws, and the resulting benefits, within each province are also different.
I enjoy state cattle farm insurance ..how long does it cart for a ticket to be cleared from insurance?
Question:
Answer:
state and nature of ticket dictates how long it is on your "driving insurnace record"
3 years.
Tickets, accident, etc. are chargable for three years (meaning that they will be used to factor your premium as well as factoring into whether or not you qualify for "standard" rates.)
Even after the three years, when they are no longer used for rating purposes, they can still be used for as long as five years to determine rating class. In other words, you may still be stuck surrounded by non-standard rates even beyond the time you actually are charged for the incidents. You may not spot because the rates would go down if the charges be removed.
FIVE freaking years in TX. I found this out the thorny way. May fluctuate rules in other states.
It depends on what STATE you live within, not what insurance company you are with. Most states hold the ticket against you from 3 - 5 years. One that I can infer of off the top of my come first (Massachusetts - but I don't think State Farm writes there) is 7 years.
sometimes forever if your insurance company finds mistake in every little point wrong on your credit. But if they can't get away near your complaints it takes 3 years.
It depends on what the ticket be for. If it was a minor violation- speeding, not fitting lane change, etc. - it take 3 years to come off your driving journal. If it was a core violation - ticket for DUI - that take 5 years to come off your dictation. However, with State Farm whether or not they are rating for the ticket depends on if your policy is within Mutual or Fire & Casualty. If your policy is in Mutual, consequently they don't "rate" for tickets, unless of course you own too many, next you would either be cancelled or offered a rate within Fire & Casualty.
In Minnesota the ticket stays on your record (at tiniest record accessible by the insurance company/agency) for 5 years. Typically minor tickets (speeding, form belt, running a red light) count against you for three years (unless you have several of them) and trunk tickets (DWI, Reckless Driving) count against you for 5 years.
Don't know if all states do it equal, I would assume not, but it's probably similar state to state.
If you enjoy felony can you vend insurance?
Question:
Heath insurance
Answer:
I don't know but if your felony is from a long time ago and you would like to remove it from your register. Go to your local Sheriffs department and ask where you can grasp a "Live Scan" done. should cost about $35. This will report you what is on your record. Then you will own to go to the court where on earth you were convicted and return with the paper work to request to hold it expunged. This allows you to enter a new plea of not guilty which next allows you to say that you be arrested for the crime but it was dismissed. After the regard as being makes his current ruling. If you fill the court papers out yourself it should cost you just about $60.
I really doubt it.
No. That profession requires that you be bonded and with a felony conviction specifically not possible.
in good health if its a DUI then I don`t know, but otherwise i highly doubt it, look it within the insurers act, but i believe you out of luck there
I reason so. You would be an independent contractor, so you should be able to. Of course, the company you choose to work for may want to review your criminal history, first.
no,,,my husband have to seal his narrative!then he be able to find his license
Certain industries / professions require that individual to obtain a
"Professional" license, i.e. Real Estate agent, Insurance Agentetc. Also to spark off that license and file it near the appropriate governing State board where they live. Last time I checked a convicted felon may not hold a professional license.
( I hold a Real Estate license surrounded by the state I reside.)
Sorry bout the reality of your situation. Check near your governing board's rules.
Possibly. If you have a felony on your copy, you must have the specific green light of your state insurance commissioner to work in the insurance paddock.
If your offense was non-fiduciary surrounded by nature, such as a drug related offense, the commissioner MIGHT impart you permission. If it's fiduciary, consequently they probably won't.
Of course not! To sell insurance you'd necessitate to have a without a flaw clean copy.
Usually not.
But if it is important to youyou may want to start investigating how to take an expungement of your record.
Or if you obtain to be friends with your governortry to capture a pardon.
What is the Felony? If you don't mind dictum... If it has anything to do near $$$ or fraud, that may not be the career YOU should be looking for. It may come subsidise to bite you in the backside if clients find out or hear through the grapevine. Word of mouth spreads very at a rate of knots ESPECIALLY if it is bad word.
I think you can as long as it isn't money or fraud related.
What do you do when Healthnet Insurance tell the hospital to bill you and it's over what you are responsible
Question:
for.
I've paid the deductable and the out of pocket maximum, and still they explain to the hospital it's ok to bill me.
What do you do. Is there a medical insurance reporting agency contained by California that I can report them to?
I'm so tired of being overcharged for medical expenses, don't they even thought about their service, is it adjectives about money.
Answer:
If you compensated your deductible, and your percentage and the insurance company paid their segment What's left? Are they billing you for the amount that should be discounted?
Did you compensate the entire deductible and out of pocket amount to the hospital? If not, who did you pay it to? If you salaried your deductible to a doctor, you may be due a refund from that doctor.
How much is the difference? I want more information. The balance your are one billed is coming from somewhere... Its either your responsibility, the insurance companies, or the hospital's discount... Speak to a supervisor at the insurance company. They should be capable of speak with the hospital if needed, to find out where on earth the balance is.
If your insurance is not self-funded, you can folder a complaint with the California department of insurance. Ultimately, if the claim is processed correctly, that won't back all that much. Look at your insurance EOBs. Does the amount nominated as your responsibility match the amount the hospital is billing you?
be cool and read aloud ok
Okay, there are a few different things that could potentially be going on here. You don't really distribute enough info to know the details. (And it's adjectives about the details near insurance!)
There's the possibility that you may not have if truth be told paid adjectives of the out of pocket maximum. First, that could be because your copayments for things like primary concern office visit and prescription drugs often don't count toward your out of pocket maximum. Second, because plans recurrently have separate out of pocket maximum (or there might not even BE an out of pocket maximum) if you budge out of network.
In reality, some plans pay single the network charge, regardless of who you choose to see (and if you choose to see someone outside the lattice, anything above that is your responsibility.)
There's really no means of access to answer your question minus knowing your plan and your providers. If you have group condition insurance, you should ask your benefits manager to explain it to you. If you own an individual plan, check with your agent.
Ultimately, you're going to hold to do the research if you want to find out what's really going on.
ask the hospital for a detail bill. what you are being charged for could be non covered items close to drugs that you could have gotten over the counter. food, soap. non of the "extras" are covered by the insurance and do not count towards the out of pocket. if the charges are not extra and should be covered you can directory a complaint with the state insurance commissioner.
California LLC vs umbrella Insurance coverage?
Question:
It is my understanding that a LLC is at minimum $800 a year. Compaired to $150 for respectively 1 million of coverage for umbrella insurance to cover everything Can somone give me a break down why it would be better to run a LLC and not purely higher insurance coverage.
Answer:
Well, you're NOT going to find a BUSINESS UMBRELLA policy for $150 a year - that's the rate for a PERSONAL umbrella. So, assuming you'd start a LLC for a BUSINESS purpose, anything that business is would NOT be covered under the umbrella.
You might want to regard about both the LLC, which is designed to protect your assets, AND a commercial umbrella, but you won't win the commercial umbrella until you have the underlying business insurance within place, and for beginning companies, that can be VERY expensive, depending on the humour of the business.
Also, you might want to consider a full corporation, as opposed to LLC. You should probably sit down next to your accountant AND attorney to figure out which means of access is best, tax sagacious. The whole point of any a LLC or INC is to protect your personal assets from business seizure. A PERSONAL umbrella is not going to furnish you that protection at all.
Perhaps if you explained what exactly you be wanting to accomplish? Simply asking a question in need providing any background make it hard to wish how much you know.
What requirements are nessesary for starting a bussiness?
Question:
Thinking about starting small contracting bussiness and want information on insurance. Workmans comp, liability etc
Answer:
You'll get quotes for gl & workers comp, along near commercial auto & inland marine, from a local agent. Find one that does contractors and BONDING, next to in house bonding authority, as it will net getting those payment and dramatization bonds easier, as you get bigger and do larger job.
You'll also likely own to get licensed near your local building department - you'll have to contact them roughly how to get licensed.
Insurance for contractors is EXPENSIVE. If you sub out more than 25%, you're considered a nonspecific - and you are NOT going to find contractor insurance for a start up business in the standard open market.
OH, if you don't get certs of insurance from a sub, they're considered an hand, which makes it easier said than done to get out from around the wc premiums - which usually run between 15% and 30% of the payroll, OUCH!!
There may be minimum liability requirements mandate by your state. Certain customers may also have a minimum coverage requirement <for liability>. For example, I owned an electrical contracting co. several years ago, and one of my crucial customers, an industrial plant, required one million dollars of liability coverage. Talking to an insurance representative will help you determine the amount of liability coverage you need. As for worker's comp., by federal regulation you're not required to carry it unless you own a certain number of team <i think it be 3 or more at the time, but can't remember the exact number>. Again, some customers may still require the worker's comp. coverage before you step foot on their jobsite, and that's their right. I come across at least 3 standard contractors who require worker's comp for even one employee who works on their jobsite.