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missouri insurance exchange complaints


   








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What car insurance coverage do you really need?
I have an 2002 honda civic that is worth about $7,000 with 112,000 miles on it. I have collision, death and dismemberment, uninsured motorist. I have a 1,000 deductable, but I am paying $110.00/ mo and want to reduce my payment. Is it a bad idea to drop uninsured motorist or death and dismemberment? Can someone explain what all the car insurance options are? I don't have dependents, but a already have free life, health insurance, and disablility insurance through my employer if that makes a difference. I would call my agent, but I think he must be have busy or smoking a joint out back for the last couple of weeks because he doesn't call me back."


Advice needed on Car Insurance (UK) 21 year old male.?
I'm in a tricky position with being tarnished with the 'Young Driver' brush, I completely understand the young driver statistics but am in need of a car as cheap as possible! I work 10 miles from home and it takes an hour and a half on two buses, compared to a 25 minute drive! The cheapest I can get a quote in my own name is about 4000 for a class 1-3 car, tried tweaking all the details and doesn't make much difference. New cars seem to be the better option in terms of short term cost, but the Free Insurance details all require a year old two no claims, which I don't yet have. Out of desperation I've started looking at Telematics policies, I can't work with a curfew or milage limit which hasn't left me with many companies to chose from, have had a quote for 1600, but then have the cost of finance to pay for on said car! Does anyone know of any companies or anything that can help? Don't really want to go for a Black Box, just want a car to drive to work in and do the weekly shop in. There must be a company somewhere that doesn't charge through the roof? 4000+ is just a joke. Thanks."


Is it true that the older you get the more car insurance you pay?
My father lives in california and received his car insurance bill , he's 80 yr old. within the last year never received a ticket of any kind or was in an accident. and now he's paying more. Does that sound right?"


Insurance questions??!!!?
third-party liability- whatever that means... should i choose $500 000 or $1 000 000? the first is $7 dollars cheaper a month... and id like to get the cheapest required by law! if it wasnt a law i wudnt throw ANY money away for nothing! oh and if u pay all at once for a years worth instead of monthly installments would u have to choice to cancel the insurance lets say a few months in, for whatever reason? and would they give u all the remaining money for all the months u didnt use back??? thanx"


What do I do with this check from my insurance company?
My daughter was severely injured and transported to the hospital via ambulance. Today, I received a check from the insurance company for $795 (the amount of charges from the ambulance company.) However, the accompanying claim receipt states: Claim totals: $795 (copay/deductible $0.00). Amount paid to member: $795. Amount you pay provider: $0.00. This is confusing. We've never had this happen before. The insurance usually pays their part directly to the provider and I then I pay my co-insurance. Should I be expecting a bill from the provider? Thanks!!"


What's a good sport bike for a new rider? ?
I know motorcycles aren't safe no matter what but what's an affordable bike for a new rider. I really want something as light as possible. How much is insurance? I don't know anything about bikes but I've always wanted one. Never even rode or drove one.


Teen car insurance question?
Everyone knows that if you get good grades your insurance costs are lowered. i live california just so you know i dont know if it matters. but if i got about a D average my first semester and B+ or an A average second semester will they look at that or average them together. also any other tips to lower insurance costs... thanks ahead of time.


Cadillac Insurance Plan Question?
What would b a good example of the deductible , copays, coinsurance, lifetime max for a Cadillac Insurance Plans"


Is there a way to find out if someone filed a claim on a home owners insurance policy?
I sold a home in 2003. The buyer is now suing me for non-disclosure of water damage and repairs"". The suit is for $7"


Is car insurance cheaper for used cars than new?
I hear a lot that when getting you're first car that you're supposed to buy a used car and not a new car because auto-insurance is going to be cheaper. Is there any truth behind this?


"Fender bender, but did not have insurance?"
hypothetical situation, fender bender. I was in a fender bender, I was not the Fault person, but I did not have any insurance. Does the fault person insurance have to pay me for the damages done to my car even though I didn't have insurance when it happen? the insurance company refuse to pay me for any damages done to my vehicle. If I take them to court will I win. (the question is for me to know if I can get sued because my insurance company is not paying for the damages done to the other vehicle, but she did not have any insurance so they refuse to pay anything.)"


First time car insurance help?
Thanks for your help but these sites are no good for me because I live in England!!


Car acccident insurance issue?
I had a faulty accident. I gave my license plate number and registration number to the other party but I forgot to give them my insurance information ? what will happen now?


Do you get a criminal record for driving without insurance?
Do you get a criminal record for driving without insurance?


Should I still be paying full car insurance ?
Hi, my car was recently in an accident that was the third party's fault but my claim is still ongoing. My car has been written off and is in the third party's salvage yard. As I have no car should I still be paying full car insurance ?"


missouri insurance exchange complaints



Car Insurance help No claims bonus?
Ok so i passed my test last month and have been driving about 3 weeks. i got an insurance quote with Aviva for 1800 per year (roughly) and im an 18 year old male, however because i had a provisional license for a year my dad thought i had 1 year NCB so told aviva this. They now want proof of my NCB (which i obviously don't have) so i will have to tell them. But my quotes are about 4500 without any no claims bonus !!!! and i drive a Y reg 1.2 fiesta ghia! is there anyway i can get this premium down? please help! i'd be really grateful!"


Should I keep term life insurance on myself after the spouse has passed away?
I have no kids or any benficiaries at this moment.


Where can i find affordable birth control?
i'm currently on my last perscribed month of the pill estrostep. my health insurance has been cancelled because i just can't afford it, we just bought a house and we're on a very tight budget. in order to get another perscription, i need to have a gyn appointment for an exam, but a visit is $200 without insurance, then another $50 a month for the perscription. any ideas?"


I was a passenger in a car accident. The car was not at fault. Will my insurance go up?
Also, just to know, assuming that the car I was in had been at fault, would MY insurance go up?. Again, I was not driving."


Finding Health Insurance Plans?
I'm 25 and will be off my parents plan at the end of the month and with a history of preexisting conditions, it's hard to find any one that will accept me. We've been looking and calling and going through a insurance broker and no one will take me. Is there any company or health insurance plan that is less strict on new customers? What do I do?"


Do you think that the government should require that people buy health insurances like car insurance?
Car insurance is mandatory and everyone must have it, who owns vehicles. Do you think government should require us to buy health insurances?"


Can you be ticketed for no auto insurance for pushing ..your car?
Can you be ticketed for no auto insurance for pushing your car?


Does AAA pay the difference of how much your car lost value if the accident was not your fault?
I was recently in an accident, but it was not at my fault. The insurance company is covering everything. If the car goes down in value, does AAA pay the difference that I lost in the car? Thanks! I have no-fault by AAA in Michigan."


How much would car insurance for a 17 year old driver?
for a used hatch back that costs around 500


Why do some car insurers quote so much less than others?
I have just used a comparative website to see several insurance quotes for my new car and... the difference is in the hundreds of pounds! So, I am wondering if there is a catch somewhere. How come some insurers are willing to offer so low a quote that they make other providers look rediculously expensive - including our current provider that we have been with for so long for our first car!?? Am I missing something?"


Do I need insurance to sell goods door to door?
I have been offered a part time job selling cosmetics from door to door. I have been advised that I may need Public Liability insurance for this as I will be carry a small amount of goods with me which will be paid for at the time, or taking an order and delivering the goods at a later date. Also I was told that I would need business insurance for my car as I will be carrying the goods with me to each place and then home again, although I will not be selling from the car. Is this true? I will be self employed so I would have to consider the extra costs involved before agreeing to take on this job."


Is this a legit website to buy a schengen travel insurance?
http://www.mytravelvisa.co.uk/2/index.php Hi there I was wondering if this is a legitimate website to buy my Schengen Travel Insurance? Will it affect my application if I buy travel insurances from unheard companies?


Tips on getting a used car?How to get low Insurance and how to convince my dad to buy me the car I want?
So I turned 16 a few weeks ago, but I won't be able to get my license until in a few months because I got my permit late. I've been browsing around cars that I want and I've had my eye on a 2012 Kia Rio, but I've figured since they're still pretty new the price won't be that low. I also prefer to have my car have two features, buttons on the wheel to control music and a USB port. I found this car, that I've started to grow on it a lot, this happens to be the 2011 Honda CR-Z. I've done a pros and cons list between the Rio and the CR-Z, and what I came up with is that my only con for the CR-Z is that its a two door car and apparently some models don't even have back seats, as on the Rio it's a four door sedan. Another thing is that the Kia doesn't come with a USB or buttons on the wheel in the SX model ( the cheapest model) which is 13k, but the EX model has those two features for 15k. So i'm leaning a bit more toward the CR-Z for now, I want to get a used one in white in pretty good condition, I've done some research and that costs roughly 12k. My dad got my sister her car for 8k when it was only a year or two old model, shes had that car for about five years now. I plan on keeping the CR-Z until I finish college, so about six to eight years maybe until I get a real job and buy myself my own car. Now the problem is my parents sort of, my dad might give me about 4 or 5 thousand dollars for a car and my mom might chip in 1 or 2. I was thinking a way to convince my parents to buy me a 12k car is that ill pay my own insurance, i'll take the Driver's Ed class to lower it a bit too. Does anybody have any other tips to lower insurance? I'm an extremely safe driver, my mom is overly cautious when driving and her habits kind of rubbed off on me,I don't text and drive BUT my only bad"" habit would be playing music somewhat loud"


When getting health insurance through your employer how often do benefit come?
When getting health insurance through your employer how often do benefit come?


How to get best fair settlement from car insurance company for 1996 corolla?
Hi: My 1996 toyota corolla was hit by another car in the rear on the passenger side. My car was in excellent condition, everything worked, nothing broken, no rust (paint in excellent condition as it is always in my garage at home or in a covered parking lot at my workplace), low mileage (130K), never had a problem and I am the original, sole owner and driver of the car. I was planning to keep driving it for years to come. Now the insurance company wants to total my car and what they are offering for my car /their initial proposed settlement of $3500is not nearly enough to buy another car in the same excellent, safe and reliable condition, that is not riddled with hidden problems. This presents a big problem for me as, if I cannot have my car fixed and restored to the same condition as before the crash, I would have to come up with at least $12K to $15K to buy another new safe, reliable economy car. This is an expense that was not in my plans. Also, the insurance company is pushing me to make a hasty decision and is threatening me with not paying for the car rental I needed to get (since my car cannot be driven as the tail light is broken and and rain would get in the car). Is there any way that the insurance company can be prevented from totaling my car and instead pay for properly fixing the car with good OEM parts instead of used (LKQ) parts. I got several estimates, two for around $5K and one for around $7K (this one is from an excellent body shop that has done excellent work on my other previous cars before). The insurance company provided and estimate for $4k using used/LKQ parts. I would appreciate any advice on how to get the best settlement from the insurance company."


missouri insurance exchange complaints



Car insurance for men and women?
I passed my test Feb 2011 I've never had a car due to high insurance, so I did i check and went through a quote and mine came out at 3500 for a one liter x reg then I went back thrpugh and.just changed mr to miss and it went down almost 2000 then changed the date to a women just passing her test and it came out at 2600 why's it so high for men, and wasn't it ment to be changing to male and female having the same insurance?"


I'm 16 and Looking at a 2003 Mach 1 Mustang how much would Insurance be?
I have a job and plan on paying for it myself, I just want an idea of the cost."


California motorcycle license???????????
I want to get a motorcycle license but heres my question, I dont have a motorcycle and if I was to buy one how could I get it insured? if I dont have a MC license? cause I know the insurance guy will ask me for my MC license first ( just like when you insure a car ) and heres another question, if I had a MC how would I be able to show proof of insurance to the place where you take the MC highway test ( not sure what its called ). Just to let you know I dont know anyone who has a MC so I could borrow it to take the test."


"With _______ insurance, the insured agrees to pay a specific premium each year until death.?"
With _______ insurance, the insured agrees to pay a specific premium each year until death. A. endowment life B. half life C. whole-life D. limited-payment"


Home Insurance Companies?
There is a home in Arlington, MA and I am looking at different local insurance companies. What is your general feedback or knowledge regarding these companies: Merrimack, Commerce, Metlife, and Citation (although I think Citation is part of Commerce). Were they easy to deal with, etc. If you feel that none of these companies are good, which ones do you recommend?"


Do doctors prefer insurance to cash?
Hello, My Mother refuses to see (any) doctor because she does not have health insurance, she believes that NO doctor wants to deal with a person that pays cash, that docs only like patients with insurance, and therefore she believes that: a) she'll receive substandard care, or b) that they won't see her. My Father was going to buy insurance a couple of months ago just so my mom would go to a doctor, but all the plans are ridiculous in price (thanks Obama), the premiums were to high to cover any non-major medical expenses, so they'd be paying cash anyway plus paying for the insurance, so my father decided against it. My Mother will go on now about how she planned to go to a doctor when she thought that she was going to have insurance but she CAN'T now because she still doesn't. I have to ask if doctors actually prefer patients with insurance over patients that pay cash, or vice versa, or if it really doesn't matter? My experience has been that paying cash hasn't affected the care I was given, albeit I've never needed major medical attention (not that my mom does she just hasn't seen any kind of doctor in years), I could see where docs in a hospital might prefer insurance over cash but I don't know, please enlighten me. P.S. a little googling has found a lot of news stories about docs switching to all cash clinics and suggestions to people to use cash over insurance, so maybe I can show my mom those and she'll go to a doctor."


State farm teen quote?
State farm teen quote?


What cars are cheapest for road tax?
All these new guidelines. What would be the cheapest car to run, tax, and insure?"


If someone who has full coverage insurance wrecks my car that is only covered by liability will their policy pay for my vehicle?
I allowed someone who caries their own full coverage insurance policy to drive my car that is covered by a state minimum liability only policy. That person causes an accident in my car in which my car was totaled but the other drivers car was only damaged. Will the persons full coverage insurance who I allowed to drive my car pay for the damage that they did to my vehicle? Side note - Before anyone bothers asking YES, of course the liability insurance that I carry on my car is paying for the damage to the other drivers vehicle."


What does COBRA mean in terms of insurance?
What does COBRA mean in terms of insurance?


Wanted to know about the Health Insurance for Aged people.?
Hi could you please guide me for the best health insurance (mediclaim) for my parents aged 58 and 48 in India. Please suugest the service provider with pros and cons.


Big car cheap insurance?
Can anyone suggest some large sized cars that are not high insurance. I'm very tall and need something comfortable but without a massive engine. I need comfort not speed. Plus I much prefer to drive bigger cars. I've looked at Audi's, BMW, Land rover, the usual suspects etc but all seem very high insurance. Even smaller engine BMW's and Audi's are high on insurance. Thanks!"


Can I own a car with no insurance?
I'm sixteen and looking to buy a car. I'll have a license in about 4 months, but I want to buy a car first - that way I'm good to go. Is it legal to let my car sit in my garage or driveway for a few months without insurance or plates? I know plenty of people who have had cars before they've had licenses, but I want to make sure I'm not breaking any laws. I live in Connecticut. Thanks!"


"I'm 21 with the Gerber Life Insurance policy plan, should I continue?"
I got a mail indicating that I am not the owner of this policy (my parents started this for me when I was young). So I have a few questions, now that I am 21, do I have 10,000$ worth of life insurance for the rest of my life (without having to continue paying?) Why would I want to continue paying if this is just here as insurance in case for my burial costs.. isn't 10k enough for that? If I stop paying will I still have this 10,000 dollars in life insurance, or am I being forced to pay in order to keep it?"


How much should a motorcycle insurance cost?
A little about me: -age 23 -driving licence for both cars and bikes since 2008 (European version) -have no previous claims or penalties -I do drive cars for the company I'm working for -the bike is a 600, 2013 model -I'll buy a security device soon -was thinking of having a 150 pounds voluntary excess"


missouri insurance exchange complaints