Laptop insurance HELP!!?
Question:
All insurers only cover: mugging / damage / fire but what if I lose my laptop?. Does anyone know the company who will cover lost of property? Thanks.
Answers:
If you lose something its your doing if its stolen you hold no control do the same as most if you lose it report it stolen
Things resembling laptop need warranty from where on earth you purchased the laptop.
This may not even help, but my mom in truth has renter's insurance because she does not own her home. She lost her laptop and they covered it. She is beside USAA Insurance but it is for military family simply. But check on renter's insurance or homeowners insurance. You might be surprised by what they cover.
Domestic & General.If my memory serves me.Type. Warranty
XorEx into search stick.
I got a free laptop from this site, I importantly recommend it!
Most Insurance companies do not cover if you loose something, They do carry computer coverage which is sofware and hardware coverage but not if the computer is lost
you are not gonna right to be heard that you have lost it,are you?this is negligence
share them a lie that the laptop get stolen
Is Health Insurance Benefits offered to Cal State University Students?
Question:
I am looking to enroll in a robustness benefit plan and my school does own a health center but I want some type of benefits offered to students attending a California State University.
Answers:
Well, the arts school has a plan. You enjoy to pay for it.
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Insurance rate increase for auto luck?
Question:
I hit a car yesterday. The claim total is 840.00 and they would resembling me to pay for a two hours of daylight car rental out of pocket. I don't be aware of that I was at condemn, but I don't want my rates to go up if I claim this fluke. Do rates automatically go up if you own one claim on your insurance. I also want the other drivers insurance to be aware of the accident if my insurance company pays for it. Any suggestions?
Answers:
In most states, if you hit the coup¨¦ you are at fault. Depending on how long you enjoy been beside the company and how long you have be accident free you your policy may or may not turn up. My husband was within an accident, his first contained by 10 years and the claim went thru a company we have been beside for 5 years, no increase. My Mom, just the divergent.
Many places have a one misfortune per two years forgiveness policy. You do not feel it be your fault what does the police report show explicitly the key. If you exchanged insurance information believe me the other folks insurance knows going on for it and most likely own already contacted yours, who will contact you in the subsequent day or two
Well, whether or not you have a feeling you were at responsibility, you very ably could have be. If the other car be parked, you were at eccentricity. If the other car open their DOOR into you, THEY are at fault. If the other coup¨¦ was within FRONT of you, YOU are at fault.
Rates don't automatically stir up with one claim - some companies own "first accident forgiveness". Also, contained by most states, the company has to discharge out a certain amount (which vary by state, from $1,000 to $2,000) before the happenstance is "surchargable".
The other driver's insurance isn't going to CARE about this quirk, if you're 100% at fault, but they can effortlessly look it up on the renewal CLUE report.
You should sit down and talk around the situation with YOUR AGENT for personalized info.
It is possible your rates will go up. Rates will not stir up until you are ready for your renewal -at which time your claims history will be evaluated.
Do home insurers insure your home when you hold a 3/4 pit bull or a trampoline?
Question:
What happens if somebody get hurt and you did not notify the insurance company if you had one of these conditions?
Answers:
You bring sued, and get to income money out of your pocket.
Get rid of the dog. Find coverage for the toy.
I've had insurance companies ask if we have a dog and what breed. Never had them ask something like trampolines.
If you lie on an application, and the insurance company can prove it, that constitutes fraud and the contracts usually own language that get them off the hook within those circumstances. Check your policy.
Nope.
That's a prohibited dog, and a dangerous device.
If you lied on your application, they don't cover the claim. In EITHER luggage, as soon as they find out the dog and/or trampoline is there, they supply you 30 days to get rid of them, consequently cancel your policy.
I know of ONE company that will insure a house near a pitt bull - Foremost insurance. They actually put a dog bite liability EXCLUSION on the policy, so they don't cover dog bites. AND, human being a higher risk company, they cost abundantly more, and you get smaller number coverage.
Companies actually finale up covering a lot of these claims - dog bites are the #1 liabiltiy claim on homeowners policies, and trampoline injuries the #2 claim. When someone get the dog/tramp AFTER the policy, the insurance company doesn't find out until there's an issue of some sort - or they send you a renewal questionaire. Then they're stuck on the claim - but you KNOW the first time you folder one, they cancel you.
And after you own a dog bite or trampoline claim, good luck finding ANYONE to insure you, even after you return with rid of them. The claim will stay on your CLUE report, so all the other insurance companies will know Dog Bite! or Trampoline! and they'll decline to pass you a policy.
**ps, do you have a trampoline or skateboard ramp is a standard cross-question on the iso application. if the agent isn't asking, he's checking the box "no" without asking, and your signature make it binding. so read your application before you sign it."
lies when you purchase a home insurance contract might organize to not being remunerated
I'd revise the contract, for few bucks more a year you'd de sure to get rewarded...
regarding the pitbull.it's prohibited so.
Opening an insurance agency, call for funding proposal?
Question:
I'm starting a home-based life and condition insurance brokerage and I'll also offer success management services. My overhead will be low, but I want to invest some start-up possessions in extra training for myself, as well as marketing my business. The fundamental concern I have is that my grandpa invested $20k surrounded by my dad's failed business over 20 years ago, and it's made holiday gathering very awkward. I plan on paying off the capital I call for to start ($6500), but it may take 3 years or more if the business starts more slowly than I anticipate. 1) How should I budge about requesting start-up funding?; and 2) If it's granted, how should I set up the repayment arrangement? As a loan, or should I supply the investor a stake in the company? What are the legalized ramifications of the latter since he is not licensed to provide life and vigour insurance (is it considered sharing commission if he receives income from the business)?
Answers:
If $6500 is adjectives you need a suggest not going into debt over that newly use money of your own, You can earn that much money in six month at min wage. I do not suggest a partnership near anyone because you will likely conclude up with conflicting interest's of business and that could be the demise of the businesses nouns. Debt is not a good foundation for start of a exotic business, case surrounded by point your dad was not competent to repay that money and it ended not so will. I enjoy done business start ups of my own and have realize that there are almost other associated expense's above and beyond the initial investment. I hope that you are successful with your business!
welli suggest u try getting a small loan from the bankk if u merely need 6500 doestn neccesarily enjoy to be a business loan just can be personal since its a small amount save borrow money from a close person and do how they want to do whether a moment ago pay when u can or monthly
1. Don't request startup funding. You involve less than $10,000. Get a position, and save your money for six months. If you can't let go $10K in six months, working two job, then you're NEVER going to construct this business. I'm not even going to COMMENT on the "wealth management" aspect of someone who can't scramble together $10K on their own.
2. If you purloin out any loans, go to the mound first. You'll need a written business plan, and interest. If the sandbank won't fund you, it's probably because they don't think you'll succeed.
3. If you don't know in the order of paying commissions to a non-licensed person, I'd suggest that you don't own a license yet. That tell me, you have no experience. THAT tell me, you're likely to fall through.
95% of the people that start out doing time insurance wash out surrounded by the first 6 months. It requires 60 - 80 hour work weeks, and is HARD. Business does NOT come to you.
You clearly have not much of an hypothesis about how the agency business works - I'd STRONGLY suggest getting your license, and going to work for someone ELSE for a few years - build up your expertise base, engineer contacts with carrier (did I mention, no one is going to agree to you broker their business if you're green?), learn how the business works.
Otherwise, you don't own a chance at nouns.
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How do you grain almost Insurance Companies?
Question:
Have you ever had a claim and be glad you had insurance, or own you ever felt that an Insurance Company be less than ethical. If the directive did not require you to have insurance, would you still get automobile insurance?
Answers:
Well, yes. Most people next to covered claims are glad. Most people beside uncovered claims are not glad.
If the law didn't require auto insurance, I'd still take it, as I have some assets that I don't want to receive sued away from me.
Insurance is a financial tool. Sometimes law or contract requires you convey it - but people who close to using financial tools, use the best tool for the purpose. People who DON'T know about financial tools or how to use them, usually simply get them when an outside influence forces them to.
I grain all melt and Fuzzy
Insurance is a necessary evil. Yes, I enjoy all kind of insurance and wouldn't have it any other mode.
HI,
The insurance Companies are keen and okay aware of
the Law Of Probabilities, It always works contained by their favor.
What do you think they do near all that Money? Hmmmm?
HUGH INVESTMENTS while your still living and giving!!
They merely gave my girlfriend 80% of the utility of her car when she wrecked it. Seems this is standard practice contained by the ins. industry.
Of course her car will be sold as salvage (parts)...so they find money for it.
I certainly would get automobile insurance even if the law did not require it. Everyone is not supreme, and most people own something to loose! I have have a decent response from the insurance companies I enjoy dealt beside so far (automobile only).
insurance is one of the greatest financial tool ever invented. it really helps nation to overcome financial hardship and free life surrounded by the nick of time. (medical insurance)
Imagine if at hand are no insurance companies, everyone in this world will be self insured. Family member will need to fork out money to lend a hand each other. Imagine this scenario, how rapid can you save $100,000? But it single takes 1 incident to smooth out your wealth. Insurance concept is perfect to make sure we are not exposed to unnecessary financial misery which can make us suffer for energy.
My claim experiences are very flawless. Most claims that 1 made is less than 30 days. So getting a policy from a reputable company beside good rating and strong brass flow is crucial. Dun just look at cheaper premium.
All insurance companies are notably regulated and monitored by the relevant authorities. Any complaints from the public will make them shiver.
I will still buy auto insurance, even though the law dun require it because I understand the hurry of insurance and what it can do for us.
Insurance companies are greedy. They want to get premiums, and not foot claims. This is because they are made up of people. Just approaching insureds want to be paid big money, and own small premiums.
However, a workable insurance system is one of the tools that allow a country to become a 'first world' country. Without insurance, who would be able to own a home or vehicle? Do you have the money to reimburse cash for them? What would transpire to a family if the worker died without energy insurance? Just some things to consider.
Thinking around getting past its sell-by date SSI, are within any medical plans out near that I could replace Medicaid next to?
Question:
If I can make a thousand bucks a month I regard as I can make ends unite if I could just replace the medicade. I know I can hold on to medicade until I make 1400 bucks or so but I'm lately so tired of the red tape.
Answers:
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There are a lot of plans that can replace Medicaid, the query will be can you afford it. Depending upon your age, the deductible you get, the state you're surrounded by, and if you have any pre-existing conditions the policy could run anywhere from $100 per month up to $500 per month or more.
My claim check from my homeowner' insurance co. put my autograph and the mortgage pet name. how do i deposit the check?
Question:
Answers:
This is normal practice. Contact your mortgage company, they will know exactly what to do. They do this adjectives of the time (and each have a different method to handle it).
They do this because if you spend the money and don't repair the house, the mortgage company can come along and force them to discharge again.
If it has your autograph on it then you can simply deposit it into your bank information.
You have to get hold of somebody from your mortgage company to endorse it. It have to have two signatures on the backbone b/4 you can cash it.
You don't deposit it. You enjoy to get a signature or other release from the mortgage firm/lender. Why do they do this ? As an example, let's articulate you suffered $10,000 damage from a storm and the insurer pays you ONLY. There own been folks who enjoy spent the $10K frivolously, not gotten the home repaired, and then head for foreclosure, leaving the immediately damaged home for the lender. You do not vote how much the check is for. If it is a small amount, you could probably send it surrounded by as part of your subsequent mortgage payment. If it's a roomy amount, the lender will take the check, and find a agency to guarantee to themselves that the money is being used to effect the repair on the property.
Take it to your hill and speak with a bank clerk or personal banker. The guard will have to call upon the insurance company and provide some information and get sanction to deposit/cash the check. You do not need to own your mortgage company endorse the check near you. Your bank will know how to toy with the situation. I used to work for Wells Fargo and I had to do this adjectives the time.
Send it to them and ask that they endorse it to you.
The mortgage company have to sign off on it - which technique, they're going to want to make sure you procure the repairs done on the building.
Alternatively, you can have the insurance company reward the contractor directly.
You cannot pocket the money without the mortgage company's scholarship - because THEY have an interest surrounded by your house, too, and in it person repaired.
Can I find out who my house insurance is near as i've forgotten?
Question:
Answers:
Easiest way would be to run back through your sandbank statements, as you would have made a fee with within the last 12 months.
Can't see any other approach of finding out, apart from going through your paperwork to find your policy.
Would be wise to do this, as if you can't remember who its next to, it could have possibly expired and you may not be insured!
Who sends you a bill that say you owe us money to insure your house? That may be a good clue.
ask your mortgage company
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If you own a mortgage, the bank is paying your homeowners insurance through escrow, so they will enjoy the information. If you don't have a mortgage afterwards you should be receiving bills or invoices.
iF YOUR PAYING BY DD, CHECK YOUR STATEMENTS AND CANCEL IT.
WHOEVER THE INSURANCE COMPANY IS WILL SURELY CONTACT YOU...
Sure, a moment ago go through your annals to see who sends you the policy every year, and who you pay the bill to every year.
If you enjoy 'misplaced' your records, you can find out who you hold paid from the sandbank. If you don't have edge records showing where on earth your money went, you can check next to your mortgage company. They should know who you have coverage next to.
Check back through your cheque book, credit card statements or mound account statements depending on how you remunerated originally.
You are likely to hold first arranged it in duplicate month as you bought or moved into the house.
Independent agent looking for P&C brokerage?
Question:
I'm an independent agent, licensed in IL, looking to develop a relationship next to a reputable property & casualty brokerage. Any suggestions?
Answers:
What kind of brokerage? Hard to place business or looking for more preferred/standard flea market coverage?
I worked with JM Wilson http://www.jmwilson.com/ for complicated to place and transportation risks. I liked them.
For preferred / standard open market a friend of mine started an agency in OH through SIAA; he seem happy next to his market
access. See http://www.siaa.net/
Try Erie Insurance out of PA. They submission coverage in Ohio, so I would assume they would in IL. They are selling on Monster.
What you reason of me have I done this differently?
Question:
Back in 2000 when I be 21 years old after of late I blew my entire savings of $11,000, I know I made a horrible mistake.
If I had to move about through that time and so forth all over again physically human being 21 again but knowing everything I know now at 28 and as my clan around me advised that I should bring back that 1998 white Camaro with 24K miles because it's reliable, I would DEFINTIELY giggle in their face now and share them they've gotta be out of their God-damn minds and must think I'm an indiot if I'm gonna newly blow my enitre savings of $11,000 away. I would ask them what the hell I'm doing on these contemporary car lots and enjoy them take me to a private hawker and get a sports car for as cheap as $3000, keep $1,000 for tools and repairs, own fun with $1,000 on beer, strip clubs, EBAY, etc., and hold $6,000 in my sandbank and not even touch it.
That's what I would've done had I particular what I know now.
What would you mull over of my decision have I done that?
Answers:
My money was spent on a Honda CRX and a vastly large/loud home stereo. It is how we learn. All the push for in the world vehicle very little subsequent to some hard-learned lessons. The dutiful part is that you get a great car out of it. The money is still here, just depreciated a bit (unless you totaled it near no insurance - which in the solely reason I can see that you posted this grill on the insurance board).
Good Luck with the adjectives investments; you are already ahead of most 28 year olds by understanding that you have need of to save a moment or two and live a little!
Well, you would enjoy been $6000 richer
Get over it already.
21 year olds are stupid, and innocent, and usually a fast vehicle is more important than a nest egg account at that age. Especially if you're a guy.
Insurance: Huge scam. Agree or Disagree?
Question:
A friend of mine used to work for an insurance company, so I heard deeply of "things". You HAVE to buy insurance in most cases (car, home, etc) but if any claims are even made, they any jack up the rates or drop you. Isn't that what insurance is for? In the event something happens..
Answers:
disagree u want insurance
it is a scam, but its also important to hold.
Disagree.
My house was robbed by a people friend when we went out of town. We made a claim and the insurance company be a BIG help. They valued a great deal of our things higher than we did, and asked no question or asked for reciepts. They sent us a check for the value of our things, something like $8000. I'm so happy we have insurance
I think insurance is prominent to have but I agree that insurance agencies try to bilk population for as much as they can. Some insurance agencies are pulling out of California and the South because it's too high risk for them to insure them due to fires and hurricanes. I thought that be sort of the point. It's really comforting, isn't it?
No, you don't HAVE to buy insurance, unless you want to drive on public roadways, or BORROW MONEY. If you pay currency, you don't have to buy insurance, UNLESS YOU WANT TO DRIVE ON PUBLIC ROADS.
Health insurance EXPECTS claims. That's why you settle $250 a month, if you're HEALTHY. Car insurance DOESN'T expect claims. Once you have one, you're high risk for a second one, so you pay better rates.
If they EXPECTED a claim twice a year on your car, you'd recompense about 10X what you wage now.
Insurance is BETTING. What you take-home pay, is based on the ODDS of a payout. When it become more likely that here will be a payout, you pay more.
Pretty prime.
If you want someone to "take aid of you" without raise your rates, talk to mom. Otherwise, you own to take responsibility for yourself, AND YOUR ACTIONS.
Just try living through a upheaval without it, and later we'll talk.
Disagree. Where most associates fall short on insurance is that they go wrong to understand that its for principal claims. Homeowners insurance for example, is in casing your house sustains major mischief or is destroyed- but some people want to record a claim every time a window get broken or they get a couple of hundred dollars contained by dagage (since they "paid" for insurance, they want to use it". The best advice contained by the world on insurance is to set yourself a relatively high deductible to avoid that temptation- it will set free you a good bit of $$ on your premiums, and you wont lose your coverage by file a bunch of nit-picky claims.
Insurance is a huge scam. No doubt. That's not to say that it's not nice to hold when something effed up comes along. What makes it a scam is legislation mandate that you have it.
every insurance within this country is a scam guess who is behind it = Goverment its sickening
Insurance is not a scam, I prefer to expect of it as a losers game: Allow me to explain.
In the P&C world insurers are aiming for a 60% payout contained by claims. So for every $1 they take within, they pay out 60 cents. If I told you invest next to me and I'll return a 40% loss you'd think I be nuts. So you lose paying too much premium.
So why have insurance? Easy, to take-home pay for the infrequent REALLY BAD things. Like the $155K + fire damage that happen to one of my rental properties. Do you think I'm complaining very soon about the premium I salaried? No. Am I glad I didn't buy a policy from the cheapest guy I found on the Internet? You bet. The endorsements alone on my policy rewarded out $16K. Glad my sales guy know what he was selling.
Bottom chain, keep elevated deductibles, pay as little premium as you can. Avoid file nickle and dime claims you could pay yourself. Pay your premium on the dot & follow their program guildlines and your company won't set you up for non-renewal or deny your claims. Try to pull one over and you lose.
I'm a life span, ltc, and disability guy and don't have a P&C license, so this is merely my opinion.
Having insurance on your house is between you and your lender, but if they would permit you burn your house down without insurance, they are foolish. As far as auto insurance, I'm glad other nation are required to have something within case they hit me. If they hit me and couldn't afford insurance, they probably wouldn't enjoy anything worth suing for, so the insurance they are required to keep make up for my loss. Oh, and if you are filthy rich and you hit someone, you would probably rather own insurance or else someone similar to me would wind up owning one of your businesses. It's almost displacing a risk that is too great to assume yourself.
As far as the rates going up or the company dropping you, it's call a renewal policy. Do an P&C agents have a non-cancellable policy they can put up for sale this guy?
Auto Insurance is compulsory, so you'll need to but insurance.
Auto premiums are base upon your risk..think of the premium you clear as someone having no risk. As soon as you turn contained by the claim, you are a higher risk for insuring..the more accident the higher the premium.
dont buy insurace. some states volunteer programs that you can deposit into account somewhere around the like of $50K. but do you want to do that? insurance is communist...duhhh
Insurance bully! I have a crash & I hold no license?
Question:
Well its not excatly that i have no license. What have happened is that i be having a driving lesson near some1 who has a license. I reported it to my insurance company & they want the passenger license. The thing is that he have moved abroad & cannot find his license. They are wanting TO TAKE ME TO COURT & PAY UP TO $12,000. What should I do???
Answers:
Bummer.
He can contact the state DMV where on earth he DID have a license, or even his matured insurance company, and they can provide the license information. Bet he can't/won't do either.
If the insurance company requirements the physical license, THAT'S because, they've ALREADY run his name through the DMV database (they can do that, you know) and he's not coming up as licensed. Which make YOU driving illegally. His "international license" or foreign license, DOESN'T COUNT. Which you should own known, if you passed the written interview to get your learner's certification. And if you were driving minus a learner's permit, very well, there ya walk.
You need to hire a attorney. You've got some big problems, and a attorney will minimize your costs, even if you pay him $4,000, you will probably be ahead of the hobby.
I have to assume that this little mishap be reported to the police.I believe they should have adjectives the information. As being the driver you should hold no trouble getting a copy of the accident report, possibly with for a while luck his drivers info will also be on the report
You need to achieve a liar, because not singular can you face the civil penalty, but you can also lose your driver's license. The case shouldn't be too complex.
Help near insurance?
Question:
As of Friday I found out I was pregnant. I would similar to to schedule a doctors appt. ASAP but i dont own health insurance. Which would be the best and quickest insurance that I can apply for? and is at hand an insurance that I can apply for online?
Answers:
Well, the ONLY one that's going to cover your pregnancy, is medicaid, through your state Children's Health Insurance Program, IF you qualify for it.
What you're trying to do is JUST like trying to buy sports car insurance AFTER the accident. It's not going to work beside a "real" policy - only welfare coverage.
Watch out for adjectives those "discount plans" you're going to get offer for - most providers don't take them - you failure up paying for the plan, and STILL paying all the bills.
Talk to your company & they can comfort u
Get a job next to health insurance that start at the date of employment.
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Does anyone know of a upright insurance company for backhoes?
Question:
Answers:
For liability? Or inland marine? The problem is, it's contractors type coverage - which costs more. Also, it's much harder (and more expensive) to mark out liability to just the despoil the backhoe does (which, btw, usually needs to include underground, explosion and collapse).
You REALLY should enjoy insurance for the whole business, and the backhoe would be a moment ago a part of it. Farming out basically one tiny part is a red flag that you're trying to "uninsure" subdivision of the business, which makes insurance companies smaller amount likely to write you AT ALL, for mistrust they'll end up mortal made to pay a claim for something you didn't declare/insure/pay for.
You'll entail to be more specific. Does your business use backhoes? What do you do with them? Where are you?
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Main question would be where on earth are you located?
then I could bestow you a better answer, Also you should get a policy for owner/operator to protect you on doesn`t matter what your doing with that backhoe. Your more afterwards likely looking at 2,500 for both policies.