I hit a guys bumper while driving a company car a couple of years ago and I thought he filed a claim but the company took care of it and I never heard about it again. I'm getting car insurance and I pulled my driving record from the DMV and all I have is a seatbelt violation but no accidents. Is there another database somewhere that insurance companies will check or is it just your DMV record? Maybe this all got settled without insurance intervention and I dont' want to pay higher fees if its not necessary. Am I in the clear?
Was a citation issued at the time of the accident? If not, it won't show up in the MVD. The insurance industry also has something similar to a credit report, called the CLUE report that lists past property and casualty claims made by you. That is used as well in determining your insurability.
Where do car insurance companies get your driving record in CA?
What is that Insurance commercial with the man and woman having an conversation?
I am asking for someone else, but I was wondering what was that insurance commercial when the insurance man calls the woman to tell her that her payments where later and later, then she completely stopped paying, I know someone who wants this insurance, but can't think of the name of the company.
If you and I are thinking of the same commercial, I think that it was for a debt consolidation company. I'm not sure which one.
What insurance is needed in Texas to host a non-profit fundraiser?
I am in Galveston, TX and I am looking to host a large outdoor fundraiser for a non-profit organization. What type of insurance will I need to cover the event? Where can I look to find more details and how much does this insurance usually cost? Thanks!
The non-profit organization should have a general liability policy, if they don't they need to get one. This policy can include events either within the policy or as a rider to the policy. The cost will be highly dependent upon the size of the organization, what they do, where they hold meetings and events, how often they hold meetings and events, and the size of those meetings and events. You can get a policy for as little as $200-$300 per year for small organizations up to over $10,000 for large organizations. You'll want to visit a local independent agent that deals with commercial policies.
How much does your auto insurance go up after you get a traffic citation?
After driving for nearly 14 years without an accident or traffic ticket, I end up getting two traffic tickets this summer. I was able to get one dismissed by going to traffic school, but the other one stays on my record for the next few years.
My insurance agent told me that my rates will go up $600 per year for the next 3 years because of the ticket.
Seeing that I pay about $1,400 each year for auto insurance (I bought a new car last year), the idea that my rates would jump over 40% because of one traffic citation seems a bit ridiculous.
If any of you have had your insurance rates increase because of a single traffic ticket, how much has your insurance increased?
By the way… If you answer, please say which state you live in. I live in California, so my rates are higher than most of the country.
Thanks!
The comparison sites are the easiest way to get quotes fast, and i wish I did this at first.
This site is pretty good.
http://insurance.123thebest.info
Good luck.
What insurance company is good for renter’s insurance?
I would like to purchase renter’s insurance and would like to know some good companies, with good rates and coverage. Thanks! Best Answer received 10 points.
The first thing I’d do is call the company you currently insure your car with. Most companies give you a discount if you have more than one type of insurance with them.
If your auto insurer doesn’t offer renter’s insurance you may want to call companies that offer both and get quotes for both. You may save some nice money that way.
In general, though, State Farm, Allstate, Amica and Liberty Mutual are just a few companies with good rates and good reputations. I worked for State Farm for 15 years and was always very pleased with the policy, rates and the service.
Some tips:
* Your main coverages are the coverage on your personal property, or contents, and your personal liability coverage.
* Get quotes in writing from a few companies. That’s the only way to make sure you’re getting apples to apples quotes (one company may be quoting $100,000 in personal property, the other $300,000…).
* Make sure the policy offers Replacement Cost coverage. Otherwise you get the depreciated value and not what it would cost you to replace it.
Best of luck!
What insurance companies pay for inpatient treatment for eating disorders?
I have had an eating disorder for the past 3 years, and desperately need inpatient treatment care, but my insurance company doesn't cover the costs, so I am trying to find a new insurance company that does
Each insurance company will vary and finding a new one will be next to impossible. You will be automatically turned down, charged a lot more or made to wait for a long time because it is a predetermined condition. Insurance companies have you over a barrel. So sorry.
How exactly does insurance affect our economy?
I understand the basics of insurance. That is the transfer of risk. That insurance companies bet on getting more in premiums than they have to pay out in claims. What I'm trying to understand is, how deeply insurance, our ability to purchase it, affects our economy. Please if you could give me some answers regarding this or point me to a site where I can find more information it would be great.
In my opinion insurance is the under pining of our economy. You cannot obtain financing to buy a car, house, commercial building, commercial equipment, boat, airplane, condominium, etc. without showing proof of coverage to the bank since they want the asset which serves as collateral to the loan fully protected against loss. You should not employ someone without obtaining workers compensation insurance. Even if you do not obtain financing it would be foolish and in many cases illegal to go without insurance. Banks will also require key man life insurance on the executives of a company when they are making large loans to the business. And of course unfortunately in most cases you cannot get the best medical care without insurance since most of us cannot afford even a small hospital stay. Most employees appreciate all types of benefits most of which are provided through the insurance companies. Life insurance proceeds also provide for the lifestyle of many families who have lost their loved ones–the ability to keep their houses, send their children to college, etc. Payment of claims also helps to provide for lost wages, payment of medical bills and make up for the loss of lifestyle by parties injured in accidents.
Insurance companies also invest some of the excess premiums to provide the financing for many real estate projects such as apartment, condominium, office and retail buildings. They also invest in stocks, mutual funds, bond markets, etc. Basically without insurance companies our economy and the economy of the majority of countries would grind to a halt.
And of course like any business they are in it to make a fair return on the investment while balancing a public service.
What insurance do I need to supply a food product to a store?
I have been told that i need different types of insurance to supply coffee/tea to a store. Somethings that have crossed my path are bonding, liability insurance. Can someone explain this to me please?
any ideas to where i can also get this type of insurance from?
You need General Liability Insurance, including product liability insurance. This is to protect the store (and you) in case there is a problem with the food you provide, someone gets sick and sues you (or the store). If you have employees, you'll also need workers compesation in case one of your employees gets hurt while on the job. Not sure why you'd need bonding insurance unless the store is looking to protect itself against some breach of duty that you have ot supply them with product.
What insurance companies cover include gastric bypass or lap band procedures?
The insurance I have through my job (PHCS) has verbally stated that they will not cover ANY weight loss related procedures. My doctor is wanting me to do the lap band procedure so I would like to see about getting my own insurance that will cover the cost. Any suggestions?
Many group policies do cover lap band and some individual policies do as well. However, the individual policies have height and weight guidelines, and if you're overweight enough to have lap band recommended you will be outside those guidelines and will be declined coverage.
You may want to check with a local independent agent just to make sure but don't hold your breath. If you do find a company that will accept you and will cover the lap band procedures they'll probably have a waiting period before you can get covered.
What exactly is dental insurance and how is it different from medical insurance?
I'm sixteen and just got a job as a receptionist at a Dentist's office and I know I'm not going to get a strightforward and easy answer from digging around the internet so I wondered if anyone here could just give me a clear explanation as to what dental insurance is and how it's different from medical insurance. Thank you!
Hi
Dental insurance as the name suggest covers only dental related procedures. It depends on the policy sometimes it is supplemental to health insurance in general or just as a stand alone policy.