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Nationwide insurance is discriminatory aganist pit bulls as they do not give quotes or cover homeowners for homeowners insurance if you have a pit bull. I hate bad owners that make it so hard for good owners and good pit bulls, it's absurd!!!! Are there other insurance agencies that do this wrongful act too???

I have to say, I support the insurance company on this one. They have to manage risk, and part of that risk the dogs people own. Unfortunately, there are quite a few really bad pit owners out there. Don't blame the insurance company, blame the irresponsible owners.

Besides, to make a comparison- a regular doc's malpractice insurance is about a fraction of what it is for a ob- have you ever wondered why there seem to be a larger number of docs getting OUT of the baby business? Used to, all gyns did OB, now, that number keeps dropping. Mostly because they can't afford to pay the insurance AND deliver babies. Are the insurance companies discrminiating against OB's?

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I compared the co pays on several reputable dental insurance companies and it is very expensive. Many things are not covered, even with the best dental insurance. Health insurance is usually a 10 dollar co pay for primary physicians and a 35-50 dollar co pay for specialty physicians. Is there any reason why dental insurance co pay is as expensive as it is?

Actually, the only time the copays are so low for health insurance is when you're dealing with those high-dollar plans provided by a lot of employers. (At least those are the types of plans that were provided be employers in the past; that's changing significantly because of the cost involved.) Trust me, these are FAR from the "norm."

As for dental insurance, the fact is that there are nearly as many organized networks for dental providers as there are for medical providers (where belonging to as many networks as possible is the best way to ensure you keep new clients coming in to your practice.) Dental insurance, by comparison to what you pay for medical coverage (particularly of the variety you mention) is also CHEAP. And I don't know very many people who would pay triple the price for dental insurance so they could get the $10 copay. In the end, it's really that simple.

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I have full coverage insurance in the state of Massachusetts, my insurance policy runs out in about four days I was planning on switching to Progressive however someone just keyed the hell out of my 2008 Highlander, can I get the insurance to fix it and still switch to Progressive?

Your policy covers anything that happens before the policy runs out, so it makes no difference if you change insurance later. However–and this is important–be sure to report the claim to your current insurance company before the policy expires so they can't say it happened after the expiration date. It's a good idea to call the police and get it on file there too.

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A friend of mine had their parked car damaged by a driver and the person that did it is not willing to give out their insurance information. There was a police report and unfortunately the insurance information was not captured. Is there any ways to find out what insurance company a person has? Maybe through the DMV or alternative? I realize they may not have insurance but it still would be worth to find out. The damaged car only has liability insurance.

The only way to find out what insurance the person carries is one…. if you have a license plate #…which you dooo… u would need to go to the police station… they are the only people that can get that.. and if they dont have insurance your out of luck..

an insurance company has NO ACCESS to getting insurance info by just a license plate #… to do that u would need Drivers License #, DAte of Birth, full name, address, and in some cases even a Social Security #……

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I was with the same insurance company for 10 years using the same local agent. My car insurance rates kept going up every time my policy was renewed. I decided to explore and see what better rates I could get with other car insurance companies. Friends and family gave me names of local agents from insurance companies they used. All the agents quoted me really high. Then, I called a major insurance company’s 800 number (not through an agent) and got the lowest quote. So, why do people use insurance agents? Is there a reason why it’s better to use an agent?

I like using an agent because if I have a question, I call the same person or I go to their office and sit across the desk from them. I don’t have to call India and then give up and research answers online and hope for the best. I don’t like the way big companies dismiss the need for customer service!

I’ve found some helpful info here too:

http://autoinsurance.bebto.com

Have a nice day.

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I am 19, never had a driver's license or permit. I don't own a car, and the DMV says that I must have car insurance before I can get a driver's license. I live in NC and I am clueless. The insurance companies keep saying that I need to have a car, but I can't buy a car without a drivers' license and insurance. What to do?

Do you live in a home where there is a car? if not, you can take out a non-owners insurance policy. If you do, get that person to add you to their policy until you get your own car and own policy. those are your only 2 options. you can be added to another persons policy. their insurance company can provide you a DL123 to go get your license. once you get your license then call the company and give them your license number to add you. then you go buy a car and take out your own policy and get removed from the other one.

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I've been with the same company almost five years. My car insurance is renewed every six months, after I make the required renewal deposit. Like clockwork, I receive the new payment coupons, and temporary insurance card. However, I don't get the permanent insurance card and new policy stating the value of my vehicle, until almost a month later. Sometimes longer. Is this legal? If so, why does it take so long for the agent to issue the new policy, and how will this effect me if I ever disagree with what's in the policy?
P.S. I'm not referring to how soon the new insurance is "effective", I'm referring to how soon the new policy is "received". To my knowledge, the policy is renewed immediately for six months after I make the deposit, even though I don't have the new policy, and just the "temporary" insurance card.
There has to be some type of law that gives insurance companies a certain amount of time to send out the new policy. If anyone knows please post.

Well for one your first payment is not a deposit. It’s a down payment or first payment, a deposit would imply that the money is being put up only to hold something or until further approval and that you have some right to a refund. With regards to insurance you have no right to any monies back from your first payment unless the policy is flat canceled, and then you would be entitled to any unearned premium less any fees from that payment.

Depending on the State in which your policy is written a carrier can have up to 90 days to send you a Policy Declaration Page and Policy but this is not normal practice with most carriers. Most will try and get those to you with-in a few days of issuance of the policy or as quickly as they can. Your situation is unusual unless like someone said, the policy might be going to your agent first and the agent then has to mail it to you, but again that’s a highly unusual practice. Check with your agent. It may just be that the carrier is slow to issue policies?

Take care!

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I'm planning to purchase a townhome and the assessments does include common insurance. I've been told it doesn't protect any misc assets I have in my home in case a disaster occurs. I want to factor this into my monthly expense estimates. I'm looking for a purchase price at $200,000. How much should estimate for homeowners insurance? Is it a monthly and annual payment?

Thanks

You need to call an insurance company for quotes, start with your auto insurance company & go from there. There are many questions, what does the master policy cover? You would need to read the condo bylaws to find out. Does that policy cover everything attached to the unit or only to the studs? Does it cover anything that you add to or alter in the unit? So, you would purchase a condo policy (HO6 form), you would need to find out from the condo association what you actually need to cover. That would be the dwelling limit you need. Then you need to tell the insurance company how much contents coverage you want (if you had to replace everything you own), then get at least $500,000 liability, $5,000 medical payments & get $50,000 (or the company maximum) loss assessment (this covers if you are assessed for damages to common property - simplified definition - you would need to speak to an agent to explain it to you). You would also need to tell the agent the deductible you want (property coverage).
Good luck in your purchase but no one here can give you a quote.
Homeowners insurance is always an annual policy.

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I'm about to set up a small sole trader business in the UK making furniture and I am going to be moving into a small industrial unit which I will be renting. I have been advised by the people who are renting out the unit that I need to get personal and public liability insurance. I have done a few searches on the internet but I can't see any companies that have a combined policy. In other words it seems I have to get two seperate insurance policies for personal and public insurance. Is this right? Or is it the case that public liability also includes personal liability.

OK, I filter to US Only questions (not english only) and this came up, so I'm guessing that maybe you're not going to get many UK answers.

Here in the US, and most of the rest of the world, it's true - there are TWO different kinds of liability - personal, and business. "Public" is a misnomer - public can be either personal, or business. Or maybe it's just a UK way to say 'business'.

But, you CANNOT combine the two. The rating basis and coverages are WILDLY divergent. Business liability does NOT include personal liability, but it DOES extend coverage, to some extent, over employees IN THE COURSE OF EMPLOYMENT. With exclusions, of course.

I was hit by a vehicle in a parking lot on the 11th. They did not give me their insurance information and have refused to since then. When filing an accident report at both the DMV & my city police they said they could not get me that information, and when I called my insurance they said that I (not them) needed to contact the persons insurance company myself (as I only have the basic insurance as required by law). How can I find out their insurance info? Do I just have to take them to small claims court?

Try calling around various insurance companies and try to weasel it out of them. If you feel ballsy you can even use a pretext and pretend to be them, in order to get a rep to divulge information.

Or, you can hire a private investigator to get that information for you. They should have access to your state’s DMV records, and depending on the state, they can find it that way.