Can i be charged someone elses deductible?
Question:
Answer:
Sure you can, but it doesn't stop there - if they put a claim surrounded by under their homeowners for the plunder, not only do you owe THEM the deductible amount, but you owe their INSURANCE company the amount they salaried out in the claim.
It usually take 4-6 months, but they WILL get around to sending you a bill - or taking you to court to reimburse them.
So you'll any pay the integral thing out of pocket, or your insurance company will repay it and raise your rates.
no
You necessitate to give more information. If you enjoy had an auto coincidence and you caused it, someone may sue you to bring the deductible back, but they won't initially charge you the deductible.
Yes, if you are at defect for an accident, consequently you will need to trademark the other driver whole. My wife have an accident just now that was the other driver's failing. She received the repair cost less the deductible from her insurance company. Her insurance company be reimbursed for the entire amount from the other insurance company, and she was sent a check for the deductible.
This generous of depends on the state, for instance Florida is a "No Fault" state. No Fault laws craft it difficult to recover any deductible, contained by fact your insurance company will largely have to compensate your repairs no matter who is at reprimand and the other company pays the other persons repairs. In most states it is possible to capture back the deductible especially if the other character is assinged 100% of the blame. In some state blame is assigned proportionally as opposed to directly on one entity, for instance if someone runs a light but the other individual was speeding the may both carry some blame and the judge may say aloud the person that run the light be 75% responsible and the speeder was 25% responsible. Each personage would pay thier % of the accident cost. So basically assuming you are within the US you need to check near your state because it is different depending on where the calamity occurs. Outside of the US I hold no idea.
Since it is your failure you owe 100% of the costs to repair the mailbox. No one should have to settle up anything but you and if they do, they will come after you for reimbursement.
My sister have a claim beside AFLAC surrounded by December and still hasn't hear anything.?
Question:
Has anyone else had discouraging experiences with AFLAC? If so, how did you resolve them?
Answer:
It can run a long time to substantiate a claim. Even after it has be substantiated, they can wait 2 more months to pay cheque.
They have to review how the personage passed, what provisions and exclusions existed in the policy, if it is previous the contestable period, etc. Just ring and ask what the status is of the claim. They will tell you whether or not it is substantiated, or if it is still anyone determined.
My experiences with them enjoy been to the contrary. They usually pay envelope claims in a especially timely manner. Click on the connection below to contact them about your sister's claim. Make sure she have her policy number handy. If this was purchased through her employer, she may also want to contact her HR department to find out who the servicing agent is.
That's strange, usually those types of claims are handle quickly. Is nearby some kind of eternal damage or handicap involved? If she isn't relaxed she could always shop around. Allstate have very comparable plans to AFLAC.
Does anyone hold a description of the following insurances?
Question:
do you have descriptions of what the following insurances do?
1. fire and larceny insurance
2. money and securities insurance
*** please answer only if you enjoy descriptions!***
thank you!
Answer:
OK, well, as these aren't "insurances". Not within the sense of "car insurance" at smallest.
Fire and theft insurance - those are peril insured against. Two perils - fire, and larceny. There are other perils that are commonly lumped surrounded by with them, but they don't hold to be. They can be perils on a building, or peril on contents, pr a car, or, in fact, perils on money and securities.
Money and securities isn't a type of insurance - it's a "coverage line", which mode, it's something that you can insure. It's a type of property. It can be insured against a variety of peril - employee raid, robbery, burglary, off premises (courier) robbery, etc.
So you'll own to be more specific. You WON'T see coverage forms, except as sample policies from the holder that you're looking to purchase from. There ARE "fire" policies, there are "theft" policies. And you can insure "money and securities" only like you insure your "house".
You are referring to fragments contained inside policies, and do nil on their own.
Fire and theft are peril that would cover insured property.
Money and Securities are typically separated in a property policy for special confines. $250 limit on money and $1000 shorten on securities would not be uncommon.
Did anyone get hold of a money out from Scottish Widows and TSB merger?
Question:
Answer:
if you mean years ago when they merged, later people near scottish widows policies would have received money within compensation for losing their stake in a mutual company.
im beside tsb and i didnt get n e monies...
What are the requirements for "Personal Guarantee"?
Question:
To make complete personal guarantee, what are the required information?
I be working for the company that bankrupted surrounded by 2001.
One of the vendor file a suit against me because I have signed a contract. They be saying that segment of the contract was "Personal Guarantee"
I thoght that it requires information such as Social Security # and more - I naver released such info.
Is that rightfully possible???
I am in California and Plaintiff is surrounded by Illinois.
Answer:
Yes it is legal. You signed a personal guarantee. That channel that you agreed to pe personally liable for any debts between that individual vendor and your employer.
Ask to see a copy of it first. They probably arent lying just about it if they sued you but your attorney will want to see it. The thing is that if they are suing you they call for to retain counsel in California, they can not use councel surrounded by Illinois and they can not file contained by Illinois unless what you signed gives them that odds as well.
NEVER sign anything unless you read it adjectives the way.
There are seriously of if's buts and maybes. Email me some details about if you be sued or not, what collection agency is running the operation and where your at so far. That road we an talk and I can contribute you a better response.
Smile4cobra@yahoo.com
You signed the contract - they have your describe. They certainly don't NEED your social wellbeing number - all they obligation is a signed contract.
That's exactly what a personal guarantee is - if the purchasing party (usually a corporate entity, but it CAN be an individual) default on a loan, then YOU "instinctively guarantee" it. They can take any you, or the business to court, and THEY WILL WIN. They can get a lein on your house, your due refunds, your guard accounts, your WAGES can be garnished to wage for this.
Now, they KNOW they aren't going to get anything from the company, here aren't any assets! That's why they're going after you, personally. That's the intact point.
Is here a course to find out if someone have a natural life insurance policy out on you?
Question:
I have a response my ex does, and really need to know. appreciation
Answer:
No, there's no "central database" you can look up. On the other mitt, your ex can't take a policy out on you minus your initial permission, and cooperation - YOU hold to sign the application, release your medical records, and provide blood/urine during a paramedical exam.
So, if that didn't happen, he doesn't hold a policy out on you.
If you were an fully fledged at the time the policy was started, and I assume you be, he couldn't get it short your signature. I hope that helps.
no thier is no road to check unless you contact all the insurance companies but close to the previous wrote if your an adult the coverage wouldnt be valid unless your signature be on the application. check out globalwideinsurance.com
Fake your own death, later wait to see which friend/family partaker suddenly has a brand unknown Maserati and lavish beach condo.
you can read more explanation in the order of it in an online directory trellis, in insurance category in that.
Dropped mobile down toilet - I am insured?
Question:
Is there any purpose insurer will not payout
Answer:
As long as you have the correct smooth of cover - Accidental Damage. With proof of ownership and the inspection report is constant with what you own described happened.
If you own Accidental Damage cover under your Contents part, cover may be operative. However, some policies specifically exclude mobile phones.
Give them a call, explain the situation and see what they influence.
Meanwhile, I'll resist the temptation to fashion any jokes more or less the phone being "Engaged"!!
Probably not, but you can try to formulate a claim anyway.
I'd contact them first about it though, so you don't discern so embarrassed. Also, looking at the productive documents should help you. The inhabitants on the other end of the phone, etc, don't other have everything within front of them.
Sorry although most company's have a "stupidity clause" most don't cover cell phones b/c idiots usually do stupid things near them.
We all suffer the consequences for idiots resembling them. (plus your deductible is probably more than your phone is worth)
If you dont ask, you dont get, as the dictum goes so it's worth a phone phone up or a visit to the shop. My daughter did alike thing and she be covered for a replacement. (It was the first time she ever cleaned a bathroom - she didn't do it again contained by a hurry!)
I must ask this:
WERE YOU USING THE CAMERA AT THE TIME YOU DROPPED IT?
Seriously now....
1. Your mobile phone contract may enjoy accident/loss coverage - check on that.
2. Your home policy may have coverage - but the cost of the phone (and the plumber to clear the vein?) may be under your deductible.
Sounds similar to you are "SOL".
Does anyone know of an insurance company (UK ONLY) that insures gymnasiums?
Question:
I want to insure a gymnasium in the West Midlands nouns of England. Does anyone know of any company that does it?
Thank you.
Answer:
Contact the British Insurance Brokers Association (BIBA) via http://www.biba.org.uk/
This is the trade association for Insurance Brokers and may be able to point you contained by the right direction.
Ballpark estimate of disability insurance premiums?
Question:
My husband's employer does not offer disability insurance and we are looking at getting a simple disability plan from our private insurer State Farm. I would merely like to know roughly how much premiums are for this liberal of dis. insurance. I've looked online, but you have to enter adjectives kinds of personal information in the past any company (whether insurance or quote finder) will send you any info. Seems approaching putting a big sign on my email and screaming "SPAM ME!"
So just curious what other ancestors pay for this. My husband is 28, non-smoking, not overweight, and is glowing. He's a high arts school teacher.
Answer:
They will not transport you any email. Call your local agent. They can give you a quote over the phone. It depends on how much you are looking for. $1000 a month, $4000 a month, $345 a month...
Give them a ring up.
I can tell you this much. We discharge well over $600.00 a year to State Farm on my husband, although he is elder than yours but also a non-smoker, not overweight, etc. Disability insurance is expensive no doubt. I am surprised as a mentor, the school does not extend some plan. Frankly, age and such does not matter as much when discussion disability coverage, as in vote, life insurance. You hold a better chance of becoming disabled surrounded by your lifetime than dying young. It's a statstical certainty. Some say disability insurance is more historic than life insurance. Of course, you really want both.
It will vary heavily on how much of his income you want to protect and any other option. I know you said you want a "simple" plan, but I would generally advocate against a policy that covers him only if he be totally disabled.
Something else, State Farm is a captive agency and will solitary be able to show you their plan.
Well, here are just a WAY LOT of variables. If I have to pull a number out of the helmet, assuming your husband is in faultless health, no drinking or recreational drugs, etc, assuming he make around $45K a year (because it's based on 70% of your wages, ya know?) beside a cost of living increase, it would probably run about $1,500 to 2,000 a year.
He's much more probable to file a claim underneath disability, statistically, than life insurance; that's why it costs more. You'll entail to contact your agent to get a REAL quote.
Where can i buy a t-mobile fly online and still achieve the insurance ??
Question:
Answer:
There are vendors out near who will provide insurance on 3rd party items resembling the dash that you mention. if you want it directly from a provider, you'll want to pick one that offers the service.
Is a referral incentive program legally recognized?
Question:
Our agency has not done a great assignment in times gone by of asking for referrals. Part of to be exact because prior to last August the agency solely consisted of my in-laws and they didn't have time to work on plentifully of extra accounts. To help increase referral we are getting ready to launch a referral incentive program that will run from in a minute until the end of the year. Anyone that refers an story to us will receive a $15 gift card if we write the narrative. The store or restaurant for the gift card is even so to be determined. Is this legal or would it be considered rebating? This program would be available to adjectives of our contacts. We are a property and casualty insurance agency in North Carolina. Thanks for your oblige.
Answer:
Check out the article below from Jim Long. It sounds alright, but from the referrer's perspective, you might want to give them a contribution card regardless since they have no control over the situation. Also qualifying what a referral is will increase the feature of the information you get - a personal memo or phone call from referrer to the referred - not freshly a list of name and numbers.
Email me if you are in the Raleigh nouns or East, I'd like to relief more.
I think this is a form of rebating, as you ONLY bestow the gift card if you write the report, AND, it's not like a "finders fee" that you simply pay to licensed agents.
That's my gut sentiment - but check with your local agents association and achieve their feedback as well. Heck, phone up your state insurance department anonymously, and ask THEM.
Some states have dollar ends ($10, $15 or $20). Check with your state's insurance department. They would much to some extent answer you now past you brake a law.
I cogitate North Carolina is strick with this stuff.
Who get the settlement when a parent sues on child's behalf?
Question:
My mother sued on my behalf (won) and never told me! A relative (father's side) tracked me down to tell me 14 years ago my mother file a lawsuit, against a bank, on my behalf (pertaining to a trust fund departed to me by my father's side of the family). I was 18 years ripened 14 years ago!
At some point wasn't my signature needed? Isn't a signature required by both parties for a integrated account? She have a 3 ring binder filled near checks that have her baptize and my name....a shared account? I never signed a entity. Can she do this legally? What should I do?
Answer:
There should enjoy been money put aside for you surrounded by an escrow account that you would know how to have at 18 or 21. Whatever age the court set aside.
you stipulation to check with an attorney that handle trusts. What
she did may not be illegal, but noticeably immoral.
No, if you be a minor when the suit was file, she can do it on your behalf. You aren't a party to a suit, when your parent sues on your behalf.
If you're a minor, it's not a mutual account - it's a CUSTODIAL picture. The custodian's signature is the ONLY one needed. Even after you turn 18.
Can she do this legally? Yes. If you STILL own a joint statement, you can take your signature off of it, by complaining to the hill. You should ALSO get a copy of your credit report (www.annualcreditreport.com).
As to the resourceful question - the child's GUARDIAN receive the settlement, to be used in the child's interest. This can include food, housing, clothing, medical, and didactic costs.
If you think she's misused the funds, you can hire a legal representative and sue her.
How can i find out which is the best ULIP plan ?
Question:
Answer:
Dear sani vishnu,
welcome to yahoo board!
Make a chart similar to this:
and ask for details from respective company agents.
compare it and you will find the right one for you.
Company
Product Name
% Premium Allocation (1st, 2nd and 3rd year)
Policy Admin charges/annum
Fund mgmt charges/annum
mortality charges /1000 Rs/annum
Is mortality charge on sum at risk?
Top up charges
Maximum Topup
Minimum Premium
Minimum Term
Lock-in period (min is 3 years)
Partial bill after _ year
Max partial withdrawal permitted
Surrender charges
Number of free Swithces/year
Performance of fund since finishing 3 years
Sum assured per 10000 annual premium
Total mortality on sum assured
Rider premium charges
Any referral bonuses
I compared some of these things and found Bajaj's capital Unit gain policy is the best. enormously low allocation charges, maximum sum assurance, best past observation, a beautiful referral bonuses are exceptionally much attracted me towards Bajajs capital section gain policy.
now I am reap the double benefit of policy returns and also a lot of referral bonuses. if you are intrested email me. I will dispatch the comparison chart, how i derived the conclusion. and how is my tremendous returns.
my mail self:
devaraj0910@yahoo.com
with regard
Devaraj
u must search this at G00GLE and after u can clutch out data if u ask further den u can email the companies and also fix scheduled time, now days the company populace also come to your home.as u feel flowing to do.and they will tell u adjectives information about this..
cheers
Go by the NAV and choose one of the top one, as per reputation of the company. ICICI prudential vivacity is one of the best available now.
i am a HDFC Financial consultant from Bangalore, if u entail any help in relation to ULIP product u can mail me
freshly select few plans as per your price range and flea market reputation of the firm (depends on stability, number of customer base) and then put them contained by an order and dig out their NAVs for a month. Whichever does a good diary that can be opted for.
As per my personal experience, have an idea that abt ICICI Prudential Tax Growth Plan. It is guaranteed growth of min 13% pa
pls. see the past expirience of company where on earth you want to invest. see the allocation rate. see NAV of plan. or e_mail me at senlife2002@yahoo.com or call me at 09817015102.
thouh near are methods ad few of them are posted contained by answers, still i will sugest u to consult afinancial advisor.
If feel free next contact me at 09883156968(India)
or mail at kataki_satya@yahoo.co.within
My husband changed his auto insurance almost 2-3 months ago, Then he change again toi?
Question:
my auto insurance. Yesterday he got a missive from the original insurance (sentry) Threatening his employment, creidit, dune account etc if he didn't rate $125 promptly. Who can I contact to show our displeasure & not let impossible to tell apart happen to let's say-so a little out-of-date lady.
Answer:
okay, i am a little confused as to what you are upset almost. i guess the 125 due from his original policy? he probably owes them because he cancelled the policy in the past the renewal date. some companies use a short rate cacnellation when an insured cancels since renewal. this is basically resembling paying a penalty for cancel. it is legal and companies do it adjectives the time. he owes themt he money, he may as well recompense it or it will be sent to collections.
To "show your displeasure"? Pay your bill. It's a debt, you owe it. They WILL end up taking you to court for it, and they WILL win. Then you'll enjoy to pay the $125, PLUS their attorney fees and court costs.
When you annul a policy mid-term, you are usually subject to a "short rate" cancellation cost, and sometimes a cancellation charge. Just because you call off the policy, doesn't mean they can't collect the earn premiums.
Questions in the order of Health Insurance??
Question:
OK Since I live on my own I have no insurance(I know even my parents couldn't seize me on it).
How do I look for one that is most affordable and beneficial??
How to bring back one?
Suggestions?
Answer:
Kaiser Permenante or Blue Cross/Blue Shield.
If you are healthy you single want catastrophic coverage. Try einsurance.com and enter various coinsurance and deductible level until you get a price to be precise right for you.
Stick with the principal carriers and avoid ones approaching mega life and form. Their products are a farse.
depending on your state...but assurant is the largest provider of majojr medical coverage in the us...probably a polite place to start....email me with any question you may have...at jim@jimkellyandassociates.com