What do insurers do next to the cars when they are totaled?
Question:
Answers:
They get bids from salvage yard, and sell it to the extreme bidder. They use to let the insured save the car, but most enjoy gone away from that because of a few cases where someone rebuild the vehicle, and sold it as it wasn't in a wreck. Many states in a minute require a salvage title to be issued on vehicles that remain near the owner.
sell it to a second-hand goods yard for bit metal and parts
They have arrangements next to metal dealers and unwanted items yards - so they win resold on a "per pound" basis. Then the parts that are usable grasp resold, and the rest melted down as crumb.
The insurer will sell totaled cars to second-hand goods yards.
Not adjectives cars totaled are worthless. Cars being totaled by insurers because the repair costs are greater than the pro of the cars. If you like your vehicle and know the extend of the damage, and you know someone who know how to fix the damage for cheap, you can buy support the car from the insurer at a physical cheap price, fix it up and you have your own coup¨¦ back to be used and store you lots of money for years to come.
Most often they are put up for mart at a dealer-only auto auction.
http://www.iaai.com/
The key point is this: no public bidding, dealer only.
Do you hold to enjoy flood insurance surrounded by gainesville florida? if so how much would it be on a home around 250k?
Question:
i am moving there simply want to know what to expect.
Answers:
It is doubtful that you will be required to have flood insurance contained by Gainesville, but the mortgage broker or mortgage company should be able to answer that for you. Flood zone in that nouns have be in place for a long time. If you are required to own it, then you will enjoy to get it through the NFIP (National Flood Insurance Program). You will not know how to close your loan without it, if you are within a flood zone.
Most likely, yes.
Here's the knit to estimate your premium:
http://www.floodsmart.gov/floodsmart/pag...
All flood insurance is through NFIP, so there's no competition for rates.
The BIG question is, how the HECK do you plan on paying for HOUSE insurance, as not a soul in Florida is writing modern homeowners policies, except for the state plan - Citizens. Expect to pay possibly $4,000 a year for the house insurance, NOT COUNTING flood and wind (aka, hurricane). The flood policy is seperate, and the meander coverage is seperate, too. Flood will probably cost you around $2500, and the wind I don`t know another $2500.
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When you hold insurance such as Secure Horizons.does the hospital describe you you enjoy to confer on.?
Question:
after so many days...and your CHOICES ARE A RESIDENTIAL CARE CENTER OR A HOME HEALTH AIDE?...I am not sure, but i have thought it was up to the doctor...as to "how long"...you would stay surrounded by the hospital?...can anyone tell me almost INSURANCE??...THANKING you in finance for your answer...please help! This entity needs extra precision...
Answers:
I don't know Secure Horizons in finicky, but in nonspecific, insurance companies have their books on how long an average stay should be for assorted illnesses. If the doctor feels the merciful needs hospital fastidiousness for a longer time than is called for, they may extend it. The doctor will hold to convince them that the patient wants care surrounded by the hospital they can't receive anywhere else.
Secure Horizons isn't an insurance company. I looked them up.
Regardless of insurance, when you don't NEED any more hospital care (in THEIR opinion), they can discharge you. You can't use them as a rooming house, boarding house, etc. If, as example, you own an elderly person that isn't practised of caring for themselves, and they want residential care, that's not HOSPITAL diligence. Once they're stable, they'd discharge them to home with a strength aide, or a residential care center.
It's really not an INSURANCE business - it's a LEVEL OF CARE matter.
Secure Horizons, and adjectives Medicare Advantage (MA) plans, have a guideline as to how long a party should stay in the hospital for a finicky illness. Medicare itself have a guideline for maximum hospital days per benefit period and adjectives MA plans follow that guideline. This guideline is 90 days, then you hold 60 lifetime reserve days. The 90 days reset for every benefit period but the lifetime reserve days do not.
However, the MA plans don't spawn the final decisions, it is up to the hospital. If your doctor think you need more hospital protection he has to transmit the hospital. MA plans will pay for the hospital as long as it is in Medicare guidelines. MA plans will not force you to leave even if you've used adjectives your days, they just won't money for more.
MA plans will pay for a skilled nursing facility stay for up to 100 days, again following Medicare guidelines. They will reward for unlimited Home Health care, as long as the consideration requires skill nursing. This means that the doctor have to determine the need for skilled nursing strictness or additional psychiatric help or the patient is homebound and Medicare approves of the agency. They will not discharge for most home custodial care or institutionalized custodial trouble, again following Medicare guidelines. For this you need a long-term strictness policy.
How does a home shelter system affect your insurance rates?
Question:
Any advice, denial or positive, would be nice.
We're considering it, and we're meeting near the guy who would put it in tomorrow.
How much did you payment?
Is it worth it?
How was your home insurance artificial?
Answers:
I don't know what things are like where on earth you live, however here (Vancouver, BC, Canada) most insurance companies give up to 20% sour depending on the protection you have. The better the system the smaller quantity risk of loss hense lower rates.
Things which can effect your discount are whether all the window and doors are contacted, motion detectors, pre-entry protection (Glassbreaks) and of course smoke detectors and sometimes you may obtain an even higher discount if you own line cut protection. You really should be contacting your insurance company for the specifics.
Many insurance companies will not bequeath you a discount if the system is not monitored, some will. The thing is, an alarm system is something like more than just the insurance discount, if you do not see the pro of a security system, the peace of mind and freedom it can provide, later maybe you should consider porthole bars.
As for what a system should cost, resourcefully that all depends on the margin of protection, the size of your home and the difficulty of the installation. I would highly recommend staying away from a wireless system. If the sale person tries to speak about you they are better than hardwire. chase him / her out of the house... just my professional evaluation. A good hardwired system should collection around $ 1,200 upwards. If you have a really small house later you may be able to receive it for around $ 900 but that is pretty small. An apartment might be around 350 to 500.
I enjoy written a number of articles on wellbeing, both electronic and physical. You can find them on my website at http://www.keepsafesystems.ca. You would probably be interested in Protection 101, false alarm info and one on the truth almost wireless security (It is contained by the archive)
Good luck, whatever you do, do not permit the sales individual talk you into something you do not consistency comfortable with.
Most insurance companies bestow a discount for MONITORED alarm systems... Wether or not it is worth is something you have to want based on your entail for it and how much you pay for the system + insurance vs insurance alone. I intuitively believe that your home and your family is your investment and you can put no cost on your familys saftey so IT IS WORTH IT!!
In common, you get something like a 5% discount for having a monitored system. It doesn't compensate for the system, but the reduced premium helps settle for it. And doesn't it the piece of mind make it worth it.
It give you a discount, which varies from company to company and state to state. It can be anywhere from 5% to 20%. The inner station monitored alarm saves you the most on your insurance.
Cost is going to ebb and flow wildly by location, and service company.
Do M.D find form insurance for free?
Question:
Just curious to know.
Answers:
No, why would they? The guys that work at car wash don't get Cadillacs for free, any.
They're nominally related, but have no control over respectively other.
Not the few that Iknow of..they pay and they repay way more than a being w/ a job does
if the M.D is an member of staff of a hospital, the answer is yes (hospital will self insured) . If the MD is engage as a business entity consequently the answer is NO (the MD need to receive their own health plan)
Most MD who are rivet as business entities need to bring back their own private plan.
Most hospital will provide medical treatment for their own staff only as part of a set of their benefits.
Certain insurance companies may not want to provide group insurance to hospitals staffs as there are cases of maltreat. So many hospitals are self insured, significance they are in the size to provide free medical treament to their own staff.
Medical Doctors, nurses and other officers are impelled to buy their own plan as well as more protection.
try this it's help you hope drop by
Sometimes doctors will agree to see a fellow doctor for free or at a discount, but there are plenty of things covered by robustness insurance (MRI's, prescription drugs, surgery, etc.) that still need to be covered by insurance companies. I own a pediatrician friend, and he and all of the doctors within his practice shell out for health insurance.
Auto Insurance broker has-been to append driver and in a minute claim have be denied Help pleassssse?
Question:
So I called the owner of the broker company who told me that he would contentedly backdate the policy upon the notion that AIG would accept it and they said that they would. Then the owner call me back stating that his broker that issued the policy already give a recorded statement to the insurance company stating that he did fail to remember us requesting the added driver to the policy so he cant help us or he would lose his license as a broker by recant on a recorded statement so he later told me to make the adjuster whip the recorded statement stale the record and they will do it but it is risky to even ask them to do that. Our Policy has canceled several other times due to this broker not turning within the proper paper work to AIG. I have need of help I hold went through adjectives the chain of comands and the california insurance board what is departed??
Answers:
OK, if the claim was denied for breakdown to disclose the driver, ie, because there be an unlisted driver on the policy, you have a serious errors and ommissions lawsuit on your foot against the broker.
Backdating is risky at best. Companies do NOT like to do it.
He may or may not enjoy had binding authority next to AIG. If he had no binding authority, he overstepped his authority.
You are going to inevitability a lawyer on this. And I don't recommend lawyer lightly. But you're looking at an uncovered claim, due to this guy's error and/or ommission.
OK, immediately, NORMALLY, an insurance company doesn't deny a claim for an unlisted operator . . . they only add them on retroactively to the date of license, and charge you (including surcharges) accordingly, so I'm wondering, is it POSSIBLE that this isn't an unlisted worker, but an EXCLUDED operator? Do they even hold a LICENSE? And that maybe the excluded worker had the happenstance, and THEN you called the broker to see if you could donate him, backdated?? And when the broker found out about the happenstance, the company refused to backdate?
*** ok, that make more sense, with the excluded drivers. UNTIL YOU HAVE the policy agreement IN WRITING that says you aren't excluded any more, you're still excluded. That is typically NOT a "bindable" back-up. It would most likely hold been outside the agent's authority to "bind" driving on the tentative car. You're still going to enjoy to get a advocate if you want to fight it, but it's possible going to be YOUR word against the broker. And it's going to be EXPENSIVE.***
Your broker should have what's call E & O coverage, meaning "errors and ommissions" insurance. This covers mistakes (in essense broker malpractice) made by the broker. I would first start hinting that you may own to seek officially recognized advice and see if that get you anywhere. If not, hire an attorney to sue the pants rotten the broker.
It sounds like this situation is too complex to button in a few sentences base on limited information. You are dealing next to contract law, rules on the subject of material misrepresentation, a potential Errors and Omission claim against the broker, and company/broker relations. You inevitability a lawyer. Not one of those personal injury lawyer. They will need to work out insurance contracts.
Good luck. This is going to get complex.
What is a payad out insurance policy?
Question:
Answers:
never heard of "payad". conceivably it's a typo?
huh??
If you meant "Paid" out policy, that would be a policy that have exhausted the limits of the policy.
Example:A homeowners policy next to $100,000 / $200,000 (Single Loss/ Aggregate Loss). Single losses of $50,000; 75,000 and 100,000.
First loss paid at $50,000
Second loss remunerated at $75,000
Last loss paid at $75,000 (as the $200,000 maximum aggregate be reached). You policy is now unsophisticatedly void as you will not know how to get anymore losses covered.
Another example is a existence policy. The Policy onwer dies and the policy is paid out. This system it did not expire (the premium payments ended). It was closed because it be actually remunerated.
Hope this helps.
If not, please repost beside a clearer question.
Good Luck!
Help find chip relatives insurance?
Question:
Answers:
It's not for families, singular kids. Locate your state contact people through here: www.healthykids.org
www.hhsc.state.tx.us/chip
http://www.ibx.com/pdfs/health_plans/low...
There's the app for children and adults program contained by Pennsylvania.
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What is the commission structure for AFLAC?
Question:
I have only completed my life and condition exam and I have an extend to work with them. I considered necessary to know if anyone could explain the commission structure to me. Thank you!
Answers:
I am an agent for AFLAC so I can help you for a moment. It depends on what state you are in and the policy you are writing. In Virginia, you seize approximately 60% of policy the whole year. But you go and get only 33% of it upfront once the policy is issued. The rest of the 60% you attain throughout the 11 months of the year. Make sure they make the first reward. If not the up front money will count against you and all of your advance will be used to cover that. If you fast start or super in haste start you won't have to verbs about that as much. From my experience, I would win a as earned sit code. that channel you don't get rewarded until the insured or company makes a money.
Aflac Incorporated (NYSE: AFL, TYO: 8686 ) sells supplemental strength and life insurance contained by the United States and Japan. In the United States, Aflac is known for its policies which "foot cash" to supplement or replace a policyholder's income when an accident or injury prevents the policyholder from working. Most of Aflac's policies are individually underwritten and market through its independent agents.
Since 1999, the company's identity has become more widely recognizable, as the result of commercials featuring The Aflac Duck, who frustratedly "quacks" the company's autograph to oblivious prospective policyholders.
Aflac's insurance business is marketed and administered through American Family Life Assurance Company of Columbus.
During a opening interview, I be asked "What do I expect from the company" I didn't hold an answer. Suggestions?
Question:
I was applying for an Investigator position beside an insurance agency.
Answers:
The best answer I've found is to say for everyone to be honest and generous, if they ask how then the best article to say is that you expect everyone to put duplicate effort and work as a troop and give credit to the right inhabitants.
I would probably go simple - I expect professionalism and respect and an environment that will promote the nouns of its workers.
Just stuff about ongoing training and support where on earth applicable. Being able to grow within your job role and help yourself to on new challenge.
Lots of BS really!
I just HATE those types of question, but they are becoming more and more common surrounded by interviews. Personally, I never use them when I interview.
At any rate, most of those questions are posed to determine merely how well you counter to an unexpected scenario. You apparently be not ready. A pious response would have be something non-specific, such as " I expect to grow in my position through practice gained from the work experience within this position, and in turn use that knowhow to help the company be more profitable."
Watch them drop thier jowl by saying to be used up and used approaching trash by stingy money grabbing capitalist
Its quite the truth but they dont want to hear it and they indubitably dont want you to say it
Honestly can be brutall Nes Pas !
"Opportunity and Honesty. Those are the values that are major to me, and I've always done in good health in that concerned of environment."
Blow a little smoke but donn't pile itontoo chew over.
"" I would hope that, as I prove I can make a significant contribution to this company my hard work will be recognized and I will own the opportunity to advance.
Make it a win-win answer. How do we both benefit.
Would home owner's insurance cover the renter if within be a fire?
Question:
The fire in this travel case is a wildfire, not renter caused. How can I find info. on this.
Thank you.
Answers:
If you are renting from someone, their homeowner's insurance does not cover your personal property. For coverage to apply, they would requirement to have an insurable interest (meaning that the loss of the property will cost them financially). Since they don't enjoy an insurable interest in your property, their insurance doesn't cover it.
Renter's insurance is as expected priced. Especially if you combine it with an auto policy.
owners insurance is not required to cover the renter. EVER
Renters can buy their own insurance on their personal property. The building owner have to buy his own insurance in his building.
The renters' policy would include fire trial liability coverage. But the renter would not be responsible for a wild fire.
Yes.
Renter's insurance is a form of regular "Homeowner's" insurance. Most policies are "adjectives risk" meaning they will cover your contents (anything you own inside the apartment that YOU own) up to a spcified policy closing date. So, if you have $25,000 coverage, you will be covered for almost any sudden event (fire, sea damage (not flood), hurricane, tornados, etc. (storms), and even burglary, though theft is something you want to be sure to ask your agent going on for.
Some possessions (musical instruments, guns, etc) have limitations inside the policy, but you can get them covered for a complex amount if you get an appraisal explicitly accepted by the company.
The short answer is YES (unless you started the fire and be found guilty of arson).
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No, the homeowners insurance doesn't cover any of the renter's property.
The renter has to cover his property beside a renter's policy, and the homeowner, IF he occupies the home, covers HIS property, including the house, next to the homeowners policy. If the homeowner doesn't live there, he desires a "dwelling" policy which can cover the building and contents of the OWNER.
If you are asking whether the insurance purchased by your landlord will cover you, the answer is "maybe". Typically, insurers cover the property of the name insured (usually the person buying the insurance policy). However, sometimes other individuals qualify as "insureds". You need to read the definition of "insured" surrounded by the policy to see if you fall inwardly that definition. In the end , you should probably confer to a lawyer contained by your local area. I am an insurance attorney, so this is the sort of question I am used to answering. Adam Fullman - Fullman O'Grady, Attorneys
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Has anyone hear around insurance companies using the CLUE program.?
Question:
Answers:
Anyone working in insurance know about CLUE.
Well, SURE. I don't know of any insurance companies that DON'T subscribe to it.
Sure, most insurance carrier participate contained by the database.
As the others said, I don't know of an insurance company that doesn't use CLUE. CLUE (Comprehensive Loss Underwriting Exchange) is a claims history database created by ChoicePoint that enables insurance companies to access consumer claims information when they are underwrite or rating an insurance policy.
Basically, it allows insurance companies to exchange information about previous claims. If you enjoy a claim and then switch insurance companies, Company B will know how to get information in the region of your claim with Company A.
You can see what's contained by your CLUE report for free if you go to:
www.choicetrust.com
Has anyone ever used Arrowhead Meritplan insurance?
Question:
im looking for an insurance agaency and i got a qoute from Eastwood and they be the cheapest does anyone have anything to right to be heard about them??
Answers:
yes in attendance are a good company they are relieable aswell for any situation
Insurance contained by Queens?
Question:
I live in Queens, New York (I'm 27). I own a Toyota Camry 1997. I only enjoy liability insurance but for some reason I income ridiculous insurance - I pay around $330 a month (have no accident and no tickets). Can someone tell me why I pay cheque so much, and if you know of any other affordale insurance companies. Thanks
Answers:
You're in Queens, and potential, your credit score is lower than 700.
Does affordable mean, beneath market significance? You can shop around to find out what market significance is, by calling a few local agents.
I'm a broker in NYC and even for the city explicitly pretty expensive. Who is your carrier? How's your credit? I'd suggest finding an independent agent that can shop your business.
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How does the collision sabotage waiver for visa gold ingots cards work?
Question:
do I contact Visa directly or the rental compagny?
Answers:
Not very resourcefully.
Seriously, you have to work it through the Visa company. And it's a indisputable pain to collect, AND, it doesn't cover loss of use.