Am I liable to discharge for hose damages to part below my condo ?
Question:
My water space heater pipe broke and water filter to unit below. I don't own homewoners' nor the resident below. Am I responsible for her damages?
Answers:
Maybe so. Depends upon the laws surrounded by your state.
Most likely not. She would own to sue you in court contained by order to gain a judgement against you. In order to do that, she'd hold to show that you were slack, or otherwise CAUSED or CONTRIBUTED TO the damage.
For ACCIDENTAL mischief, she's going to have to claim beneath her own policy.
Not to say she won't TRY to sue you. In which suitcase, if it's small claims court, you just show up, relay them you had no thought it was going to burst, and you didn't exact it. If it's NOT small claims court, you'll likely stipulation to hire a lawyer, and countersue for court costs.
And tomorrow, go return with yourself a condo unit owner's policy (ho6) so that if this happen again, THEY pay the attorney fees. And if it happen to you, with the guy ABOVE YOU, you'll enjoy coverage under your policy.
Yes. You are slipshod for not having insurance.
yes...and explicitly why you have Condo Insurance (just resembling homeowners insurance)...you do have condo ins -right? it is other mandated to enjoy.if you don't.you are going to pay it adjectives yourself.
good luck :)
Probably yes but you stipulation to check with regulatory bodies as the canon or rules and regulation may change.
You should enjoy a body corporate that has insurance for adjectives of the units. If you are an owner you would hold received a bill for the body corporate. If not unfortunately your screwed. If your renting it the agent will be capable of give you more info on body corporates insurance.
This would depend on why did the pipe break. If it broke because of a care issue, yes you are responsible. If it broke because of an accident, conceivably. So if the pipe broke because it rusted, then yes you would be responsible because you did not do anything to properly state the unit. If the pipe broke because the part was inappropriately installed, then it depends on who installed it. If you used qualified, competent installers, later liability would shift to the company who installed it. If you used unqualified people to do the errand to save money, you'll probably be on the hook as it's unlikely the installers will be insured.
very well, if you were both insured belive it or not the personage below you would be the one making the claim. since neither of you are insured, it comes down to pricapal.
I have my cinguler, stolen,how do i withdraw it. #5305315028?
Question:
Answers:
Call Cingular Now AT&T immediately and report it stolen, they are a 24/7 operation so they can comfort you before someone go way overboard next to it.
?Do you mean you Cingular cell phone? If so, send for... 1-866-cingular and tell them. They will minister to.
call 'em and let somebody know 'em:
Call the cingular customer service immediately to report the stolen of your earpiece; and tell them to block adjectives outgoing calls.
Does your enthusiasm insurance company convey you birthday cards?
Question:
Mine does. They wish me another year of form and happiness.
Answers:
Mine charges me really cheap rates instead. I'll embezzle lower rates over a birthday card every year, any time.
I am an agent and I send Birthday Cards, Thank You Cards, Christmas Cards and sometimes of late to say thinking of you. Go to www.greatrelationshipmarketing... My clients love it and it is inexpensive. I work legitimate hard to enjoy the best rates for my clients. Send a card on me to see how it works. If you have any problems, please distribute me an e-mail.
This is what I use to make adjectives of my cards. Simple, free, and quick.
http://tinyurl.com/3c9zb5
Good luck.
Should flood victims who have NO contents insurance expect financial sustain?
Question:
If they do,what message is that sending to people who enjoy paid premiums for years & those thinking of getting contents insurance?
Answers:
If you can't afford insurance that money you are living beyond your means!! I am sorry but explicitly not my fault. I choose a smaller home because explicitly what I can afford to live in and insure. People that choose to live beyond their system and then cry when they enjoy no coverage for choosing not to pay their elementary bills get no pity from me. I am predisposed to bet they had cable, cell phones, Internet, computers, digital cameras and other luxuries. The price of contents insurance is minimal. 1 digital camera would reward that bill for 6 months or more.
No I don't think they should. Everyone make choices about what they spend their money on. Some prefer to buy the hottest plasma TV rather than insure their house and its contents. So tough luck when the rain come and you lose the lot. What good is a 60" plasma TV eyeshade then??
SO adjectives those poor people surrounded by other countries who we give aid too should enjoy contents insurance too? Beleive it or not some people if truth be told CANNOT afford Insurance!
difficult but i would be annoyed after paying all these years next they get impossible to tell apart help as me!, i suppose i would be cancelling adjectives and taking my chances it would enjoy worked for them why not me?
My heart goes out to the flood victims but honestly, not have insurance - I just can't construe that. You work hard, spend your money on nice things and afterwards don't protect them! For some of course it is a ask of money - evern lb30 per month is a struggle but for many, it's simply cutting corners and thinking that it won't arise to them. Don't forget there are some empire who cannot get insurance because they are within a flood prone area - the parliament has to lift much responsibility for this - they continue to allow contemporary homes to be built on flood planes and continue to shame exisiting flood problems. So yes, in persuaded cases the government should aid these people - they are express to pledge money overseas so let's give our own some assistance.
You may find that some of these unfortunate those have be refused flood insurance due to the building of homes on flood plains, as such it is the town planner / council / management at fault accordingly yes they deserve recompense, if single to discourage this bad practise of building surrounded by places the insurance industry are aware is extremely liable to flooding why are the planners unaware or not bothered?
yes they should bring help . who know such a flood would come we changed the river routes and these were not matured flood plains
No they shouldn't expect financial help, I recompense my insurance premiums, so why should the taxes that I pay consequently go towards paying to sustain those who don't pay for insurance?
There should be some sort of charity set up so that those do gooders that deduce they should get aid, can repay their hard earn cash to.
I am not totally unsympathetic by the way, I bestow money to charities directly from my salary and they are cause that I feel are worthwhile.
as a common rule, then no, they shouldn't. However, here are many different individual circumstances, such as family with children who are within dire need, and I hold every sympathy.
If the government only just dished out the cash, afterwards the people who rewarded their monthly premiums end up paying twice!
Having said that, I construe the govt is establishing a limited fund to be administered by local authorities that will comfort people, and I presume that is right.
For population who can't get insurance, the political affairs needs to underwrite some sort of endeavour that people can pay envelope into and will cover their losses to some extent in the event of flooding again.
rob, the insurance company didnt build the house on a flood plain, why force them to money? punish the insurance company for something someone else didnt do correctly?
if you dont have the insurance you dont achieve your stuff insured,its as simple as that
say my neighbor and i are equal age, same income, he goes and spends adjectives his money on crap, i buy insurance for my cars , me and the house, we both die in a house fire,
i should be covered and he shouldnt , how can you enunciate any different,it is their choice
baha_smokey, i forgot the money just appears out of the upper air, of course it comes out of my pocket-higher taxes and high insurance premiums to pay for this
ASK YOURSELF THAT SAME QUESTION.IF IT WERE YOU IN THAT SITUATION,WHAT WOULD YOU WANT?IF IT IS DECLARED A STATE OF EMERGENCY,THE GOVERNMENT AND LOCAL AGENTCIES WOULD HELP.
NOT ALL PEOPLE CAN AFFORD INSURANCE AS YOU KNOW.
IT'S NOT SENDING ANY KIND OF MESSAGE,WHEN THE MONEY ISN'T COMING OUT OF YOUR POCKET.THESE PEOPLE ALSO PAY TAXES LIKE YOU AND ME.
BUT WHEN YOU MAKE A BIG CLAIM YOUR PREMIUMS DO GO UP.
In view, no they shouldn’t, but we’re talking roughly humans that have be effected by a unprocessed disaster, they should get facilitate, regardless of my opinion.
However some those in flood hit regions can be refuse insurance, which I would question why they ever bought the house contained by the first place, as it would be something you’d look at, and at that moment, the value of their house is worthless, not a soul would want to buy a house that susceptible to floods. There needs to be investigations into developers, who hold taken on these lands and built, the local council held responsible for allowing it to happen. In some places the developers own just raise the land and forced the marine to channel else where on earth which is not acceptable.
It falls into a “Risk” that you any take or not, you payment the price.
I don’t think, intuitively, myself who has salaried for insurance, house and contents, should have to recompense for someone who didn’t, for whatever judgment, in the process in attendance was a choice, a choice to buy the house, a choice to own insurance, a choice to live without insurance. I never made that choice, so it shouldn’t be me who have to subsidise the eventual outcome.
just say-so i had a flood, and i dont enjoy insurance, would you give me 50k to repair my house? for those who live surrounded by flood prone places, they should voice their opinion to own a plan like paying a annual payment to protect their house up to so and so. The money would be invested into bonds or projects that has tiniest risk and highest return.
I focus it's fair to expect support from your church family, and on the spot family. Just approaching you contribute to help out others surrounded by your church family and instant family, when the want arises.
I DON'T think it's tolerant to ask the government, aka taxpayers, to reimburse ANYONE after a loss. Just reckon about it . . . fires, theft, muggings, where would it ever wrapping up? The government is NOT an interminable source of revenue - they tax the PEOPLE to procure their money.
I agree with both sides the human side of me say it is ok the personal side of me says if they didnt bother to insure, consequently their fault. If your house floods due to a burst pipe and you dont own insurance you pay, why, because it is like mad of people does it situation, when if this happened to newly one individual they would say tough luck and noone would guardianship that is what bothers me .
Everyone have the choice to obtain house insurance , if they establish not to , and something happens approaching flooding then , why should they expect backing.
Sorry to be so blunt , but you get what you payment for.
I would hope that the Government may make available low-cost loans so that they can buy necessities of vivacity - but with the responsibility of paying the loans back i.e. NOT grant.
Regrettably the sort of person (with some exceptions) who does not bother next to insurance is also the sort of person who will look to sponge payments from adjectives and sundry.
Naturally these comments do not apply to people who through force of circumstances are dependably on the breadline. e.g. pensioners, carers etc For them I would regard give support to from the Authorities as being desirable.
No. It looks similar to many of these those were on benefits but could still afford expensive electrical equipment. Would an individual be complaining to the rule if his uninsured house caught fire and destroyed all his uninsured contents? I don't feel so. Just because many associates were caught at once by a single problem doesn't propose that a louder voice should have any more claim to senate sponsored remuneration.
As stated in the query, it makes a mockery of buying insurance.
We own lb40.000 of cover for lb85 a year for a three bed semi. Insurance cost for contents has not risen since 1994 apparently. If the elected representatives hands out money to adjectives those who are affected adjectives it does is send a message that you don't necessitate to bother with insurance because the administration will bail you out- then none of us would call for to bother either would we. Often these same nation who are so poor and cannot afford 80p a week for insurance will be found in the kiosk queue at any supermarket checkout respectively week, buying lottery tickets, cigarettes in 100's and booze- believe me- i hold worked in a kiosk and the money spent by the poorest populace on their luxuries is wicked! So no, i focus everyone should take responsibility for their own homes and lives and stop expecting to be bailed out because they can't be bothered.
How much are you rewarded after you become an ACTUARY??
Question:
Answers:
Fellows make resourcefully over $ 100,000 US.
1.75 a week is all that grill is worth.
Jeez...every company is different. Next time I'll use my crystal ball.
Which of these Life Insurance is best for customers; ICICIpru duration, Bajaj Allianz, HDFC standrad go, etc?
Question:
ICICI pru life
Bajaj Allianz
LIC India
HDFC standrad existence
Max New York life
AVIVA duration
ING vyasa
Answers:
No doubt, it should LIC of India.
Do you know that, there be around 40 private insurers before 1956 ?
The govt. through an ordinance taken over adjectives the private insurers to protect the money and trust of our people.
stop by IRDA.ORG and find out the losses they are making
Good luck
pnkmurthy@yahoo.com
Here is an excellent site with some wonderful option 4 U. Check it out……..
My first preference is BAJAJ ALLIANZ & later ICICI PRUDENTIAL & dont go & ask the agent almost the plans as he will convince u with the plan within which he gets the maximum benefit & sometimes he will misguide you or not transmit the other plan which is better for u... so better go to the bureau & get a brochure of adjectives the plans or just surf their trellis site ..
hi u visit this site adjectives type of insurance companies features so u decide to which company is best
LIC of India
LIC i one-sidedly seen the those who sold products of all insurer but at the time of purchasing they prefer to LIC lone. big organisation, no corruption, no unnecessary expenses on showmanship(which coast is bear by customers money) and not wrong convening receive LIC Best.
Allianz - Financially Strong and Focus. Allianz Brand name is strong.
They are one of the best insurer contained by the world, in occupancy of premium size, asset and etc. So Allianz = Power on Your side, they are very particular and professional.
Allianz is very strong contained by General Insurance and Life Insurance. So customers can get the best attraction products from the same insurance company.
Car, Motor Vehicle, Home, Fire, Medical, Hospitalisation, Specialist call in, Term Life, Whole Life, Endowment, Annuity, Power Income 2, Guaranteed Income Plan, Education Plan, Retirement Plan, Key man Insurance, Business Continuity, Group Insurance, Wealth Management, Travel, Personal Accident, Investment Linked, Unit Linked, Senior Care, Golden Legacy, Critical Illness, Disablement and many more..
It give the customer the feel that they are serious within insurance.
They have office in Malaysia, India, Singapore, Shanghai, Indonesia and tons more in the Asia Region
No doubt the easiest agency to get insurance quotes is on the net.
Why would you waste your time on the phone calling around?
the later time i needed quotes on insurance i used one of these comparison sites and it was great.
this is the site i used and it be quick approaching less than 5 mins.
The ultimate thing I want to do is listen to elevator music while waiting for a salesman.
Anyway I get good quotes and finished up saving money so I be happy.
So shop around and compare quotes which is comfortable on the net.
Good starting point is at this site.
http://insurance.deal4-you.com
Good luck.
lic of india. its most tusted brand pet name.
I am LIC Agent .you can visit the website www.licof india.com for more detail
lic is 60years ancient,public sector
Are Anger Management treatments covered by insurance typically?
Question:
HAP, to be exact..
Answers:
As long as its not court ordered, or group, then its usually billed resembling a normal outpatient individual psychiatric help session... In which case it is covered. If its court ordered, later it will not be covered. Call the # on the back of your card, later can tell you. Good luck
No.
It commonly depends upon if it is court ordered or voluntary.
Question in the order of medical insurance...?
Question:
Ok if I JUST enrolled surrounded by my medical insurance and I go to the doctor and get hold of numerous tests and stuff done. will it income for all of it?(or what its usually supposed to cover) or do you have to build up earnings before you can do that. I know this is a stupid cross-question but I'm new to this! Thanks!
Answers:
When did the insurance give somebody a lift effect? And is there a waiting spell?
It's going to depend on YOUR PLAN. Most of the time, if it's TRUE INSURANCE, the day it's decisive, they pick up the costs - as long as it's not a "preexisting condition".
It should cover your tests if it is a group plan. If it is an individual plan you may be subject to a pre-existing condition clause if the test are for a pre-existing condition. You should check with your insurance agent or plan administrator to find out for sure.
adjectives the test will be covered since it is required by the insurance companies. Unless they reject your application and they will reimbursement your premium minus the fees incured.
As long as you went to a participating provider and they sent your test to a participating lab, you should be okay. You may have to reimburse a little copay on the labs, but that's usually small potatoes.
You don't hold to "build up pay" - as long as you follow the plan's rules (i.e. participating doctors, referrals if basic, etc.) your plan is full coverage from the effective date.
There are profusely of factors that could clear this a Yes or no answer. Your group plan may not have any pre-existing limitations on it, and if explicitly the case, you are covered regardless of anything. But, if you go to the doc to get tested on stuff that you enjoy taken RX or went to the doc for within the last 6 months, it could be considered a pre-existing condition if this is PPO plan, and not covered for 12 months. HMO's never own pre-existing condition limitations. I am not trying to avoid answering your question, but I also do not want to make available you any wrong information.
It's usually a good thought to find out how much things cost before you buy them.
How much are invisalign EXPRESS?
Question:
i have a small small period between two front teeth. I heard give or take a few invisalign express and would like to find out more info...ANY will be helpfull.
Thanks
Answers:
I conjecture you'll have to phone a provider and ask. I have NO belief how many, if any, invisaligh orthodontists frequent the insurance board.
How do u apply for medicaid online?
Question:
Answers:
Some states will allow it, but your state might not. Go to your state medicaid website, and see if they have an "apply online" alternative.
you can't you have to progress to human services
You have to step to the department of human services. They should be able to give support to you there and draw from you set up with a caseworker if basic.
Here is an excellent site with some wonderful option 4 U. Check it out……..
You don't. You have to physically stir to Social Services and see a person to do it.
My company deduct money for my spouse insurance but didn't pay envelope the insurance company.can i sue the company?
Question:
Hi,
I work for an Indian based central IT company and they have deputed me to US to work for their clients .They don't earnings for health insurance but instead they discount the money from the employee net and pay to the insurance company.For my wife they have been deduct money from my salary but they didn't ever take-home pay the premium to the insurance company for 3months .My wife fell ill but couldn't be in motion to a doctor as the insurance wouldn't cover .I raised the bells at the doors of my employer but their deaf ears couldn't hear my hopelessness.
Ultimately they asked the insurance company to include my wife on the plan.But for the prior 3 months the premium deducted from my remuneration was never remunerated back to me. Also because of anyone unable to cart her to a doctor her disease went severe .Can I sue my company because of this mistreatment ? Will I bee competent to win ? Any attorney suggestions,
kish
Answers:
IF your wife lived in the US, and you be living in the US, and it be a US plan, you could sue for the uninsured claims in a US court - and you would win, base on the facts you outlined above.
I have NO hypothesis what the laws are contained by India, however, so if she lives there, you're going to hold to consult someone in India just about employers obligation.
Why bother? Does not seem worth enjoy something drag out for years sucking up your life? Just verbs.
YES. of course you can sue. I don't kno what law are in INdia but over here. You own a very strong casing.
I inevitability someone who is habituated next to disability insurance. I enjoy be on disability for in recent times over 2?
Question:
years. I have be on ss disability, my former employer's disability policy, & my own disability policy. August 25 will be the last money from my former employer's disability company.
I can't meet my expenses minus that income so I called my insurance company to find out if my benefits would be artificial if I found a part-time profession. I still have three years on my "own occupation." She said I would probably own to be re-evaluated. The only testing I had done be a neurological-psychological exam two years ago. That would be the only bearing to re-evaluate me and the test showed I have permanent brain interrupt and my doctors have told me I can't be a lawful secretary anymore, I can't work under a great deal of stress, and I can't multi-task. I have cognitive problems that affect my aptitude to process what I hear to hard copy. Nothing is going to transform that. Today I received a request for my '06 tax returns and two releases for my psychiatrist and psychotherapist for their records. Any counsel?
Answers:
If you still have three years departed on the own occupation clause, why are your payments stopping on August 25th?
If your disability policy has clauses surrounded by it for Mental/nervous benefits, those benefits may be a shorter duration than other benefits. However, you mentioned "brain damage" which would be a physical limitation, not mental - so they may be attempting to re-evaluate your disability
Send your rates returns in and your releases for the shrink.
It sounds pretty complicated to me. But, the social security regime is likely to say-so you are not disabled anymore if you do any work at all.
I would try to simplify my existence, I don't know what your expenses are but I live without a sports car, walk to the grocery store. There's not much else to buy but I longing I had other option to consider for housing. You might have to move into one of HUDs portion 8 housing projects where you can wallow in hippies with their loud music and other ethnic group who provide day assistance for a half dozen unruly kids.
Well, you own to respond to the request. Failure to work with the insurance company is grounds for them to cut sour your benefits. It's one of the policy conditions.
The "own occ" clause should keep you covered. The basis they probably want to re-evaluate you is to make sure you aren't fake once you get a proletarian job. If it be your company, wouldn't you want to verify that too? They are just doing an audit to breed sure you aren't pulling one over on them.
How can I find out if near are any complaints or lawsuits against an MD?
Question:
this is an Arizona Dr
Answers:
go here http://azmdboard.org/
click the entry that says doctor rummage through.
Check this website out hopefully it can help you. Good luck
Each state have an AMA board, which you can contact, (in writing) to inquire. Also contact your state Dept of consumer protection (DCP). All inquires should be made in writing, sent certified messages. Regards-Bob.
Can I seize a check from my vehicle insurance company and not use it to discharge for repair?
Question:
Answers:
Sure. But then they can delete the physical harmed coverage from your policy.
So just be prepared!
yes i did. its up to you what you want to do beside the money. just relate them to send you the check and youll form the repairs later.
You can spend it any agency your pea-pickin' little heart desires. But you may have a bit of a problem when you requirement wheels, 'cause you ain't getting more than one check outa your insurance company.
Absolutely. Enjoy the check, but you'll still call for some insurance coverage to protect yourself and others.
You sure can. You have be paid to balance repair costs. However, you will wish you have gotten your car fixed when you try to supply it or trade it in. Also, the cost to repair your saloon may be higher than what they in truth paid you, or near may be more damage that you could not see that you cannot verbs if you don't get the repairs taken precision of, But, it's your car and your choice.
How much more a month?
Question:
I live in southern California. How much more a month will my existing saloon insurance policy increase if I add my 18 year aged daughter and the 2006 Chevy Malibu she drives to my existing policy? Would it be less expensive if she have a seperate policy?
Answers:
Impossible to say, you requirement to ask your agent.
I'd guess maybe $4,000 to $6,000 a year. It MIGHT be smaller quantity on a combined policy, but the vehicle would have to be titled to the policy owner - you. So that might not be possible.
One down side - if SHE have a claim under YOUR policy, the claim will follow YOU.
When I be 18 my insurance was $100 a month....it's individual gone up.
If you want her to have one and the same limits you do, you will do better to hold one policy together. If you want to have her win minimum limits since she is not collectible, you could title a sports car in her signature (and then she does not drive your vehicle!!) and buy only minimum confines for her on that car. Since her policy w'/ low limitations will cost a lot smaller number it might make up for the difference. Ask your agent for a levy quote. And tell your daughter that if she get a ticket she will lose the car for 30 days b/c if she can take used to being a reliable driver for the first couple of years, she will be fine.