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Does an employer have to offer insurance to an employee if all other employees get it?
I had very good insurance so my husband turned down insurance with his employer. He has been there for almost 4 years. I was layed-off back in April and lost the insurance for the family. At that point he requested insurance through his employer. They told him that they would think about it and then came back to him and said that if they give him insurance that they will be forced to start laying people off (implying that they would start with him). He is a full time employee like the rest of the employees and is the ONLY one that is not offered insurance. Now today they are re-enrolling (open enrollment) and everyone else in the place got their insurance packet, but he was not offered one. Is there anything he can do about this?"


Buying Life Insurance?
Please help, About 13 years ago, I started buying life insurance for my dad. At first the agent told me that i will pay $150 a month for ten years to cover $50000. But after we finished 10 years period, the agent told me continue pay because of their stock went down so badly, so i had to pay two more years(I set autowithdraw from bank account). Now after two years, i found out that they keep taking money from my bank for more than a year. That mean 1 year more than they requested and 3 years for original contract. I called them and ask them about that. They said that i have to keep paying for life to get that $50000 or if I stop paying i will only get $9000. That is MetLife insurance company. And the total i have paid until now is $19000. Please let me know if it's the way of business have to be like that or they're cheating on me? Do i have to continue pay for that or stop paying? And this the same with my mom too. Thank you very much!"


How would my insurance company know this if I don't tell them?
I am getting ready to buy a home (Already selected, move in will be next week) and I own a German Shepard. I am currently shopping for homeowners insurance, and I know that many companies will not insure you if you have an aggressive breed of dog, and the ones that do will give you higher rates because of it. So I was wondering, what reason do I have to tell them that I have an aggressive breed? When they come to inspect the home, my friend down the street can watch my dog for a few hours. If I were to just leave out the fact that I have an aggressive breed so my rates will stay low, how would the insurance company ever be the wiser? PS: This IS a repost. Last time I asked everyone said Well it's misrepresentation and if you have ever have to make a claim"


I recently moved to Brooklyn and I need to find affordable car insurance for my car. Any suggestions?
I know car insurance in NY is not less expensive in general, but any suggestions would help."


Why are car insurance quotes on comparison sites so high?
I'm almost 17 and I'm hoping to learn to drive and buy a car, I was looking on some comparison sites to see what the insurance might be on some possible cars (ford KA, fiat sciento, nothing too fancy) but the quotes were ridiculously high? I know being 17 will mean expensive insurance but this was really expensive, they said the cheapest was around 6000 for third party. This is really high because I know loads of people who drive at 17 and their insurance ranges from 1800-3000. So, why is it so high and will it actually be this price when I come to pay the insurance?"


Is it a good idea to combine my car insurance with home owners insurance?
With Farmers Insurance? Is there a catch to it, since it sounds too good to be true. My old policy is only liability and covers around $15,000 per accidents, (monthly is $43.00). The new policy covers 100,000 per accidents and up to 300,000 (Monthly is $45.00). I was told there is a discount for the homeowners insurance too if i add all the cars in (3). And only saved $100. But with all the car insurance Were paying for, am i really saving anything?? I am confused??"


STD Testing On Parent's Insurance?
Will my parents find out if I got STD testing on their insurance? If so, for example, when the bill comes in the mail will it appear as Chlamydia Screening"" or ""Labratory""? I ideally would like to keep this as confidential as possible."""


Can I take out a life insurance policy on my child's father?
My ex is a very big risk taker and our son is only two years old. Being a single mom is very financially straining and if he was to die I would have to go onto public assistance. Is there a way I could take out a life insurance policy on him where I am the beneficiary? I'm terrified that he will do something stupid and wind up dead and my son and I will be stuck living off of welfare.


Whats health insurance?? :O?
i need an MRI but we dont have health insurance so its going to be a while before we can get all the money. whats health insurance do? how much is it?


Do you sell car insurance? PLEASE LOOK IF YOU DO! :)?
HI! I used to work at Cost-U-Less Insurance in Humboldt county Northern California... about 5 years ago. we worked on commission only.. so if you didn't write a policy you didn't get paid!!! So it was really hard when times were slow. but naturally when times were good they were AWESOME! I am looking into getting my license again and looking into selling car insurance again. My question is- who should I sell for? Where do you work? Farmers? State Farm? Cost-U-Less? AAA? Titan? Geico? Allstate? etc. Where you work do you get paid a set rate plus commission or commission only? How many hours a day/week do you work? Do you like where you work? Does anyone sell from home??? how does that work?? when I worked at CULI it was 6 days a week, 8-12 hours a day.. it was a lot of work! I appreciate any feedback you have for me :) THANKS! <3"


Anyone know how long a ticket stays on record for geico insurance? It is off my dmv record but geico claims it for 5 years..is this common?f?
Anyone know how long a ticket stays on record for geico insurance? It is off my dmv record but geico claims it for 5 years..is this common?f?


Is my car legal to drive in California?
I bought a '79 El Camino in Oregon this past summer. They don't have any smog laws there, but in California they do. It hasn't passed a smog test because it needs a catalytic converter, and I can't afford that now. The tags don't expire until March, the car is registered to me, and I have insurance. And it still has the Oregon plates. "


What would make my 04 Monte Carlo ss sound loud and how much would it cost?
3800 series v6 3.8 liter dual exhaust I just want it to sound badass


What would you do to insure your child (22 or older) gets the job you want them to have.?
What would you do to insure your child (22 or older) gets the job you want them to have.?


Making a Claim After An Accident - Questions About Insurance?
So at the weekend, I had an accident with my car, involving another car...my fault. Currently waiting to hear if it's written off. But I have questions about what will happen if it is written off. So I had 2 years unprotected no claims bonus... I'm guessing they're gone. So if my car is written off....what happens to the insurance? I only insured it last month...if I got a new car would that insurance be transferred to the new car and I pay any difference there might be? When would my claim effect my insurance? When I got a new car or when the insurance is due for renewal? I'm looking for serious answers as this is causing me so much stress and worry."


connecticut insurance website



Can I dispute an insurance subrogation?
One hot summer day back in July 2008, the back wall of the apartment I was living in caught fire. Luckily, my roommate and I saw the fire right away and we were able to contain it immediately. By the time the fire trucks came, we had already extinguished the fire. Less than a third of the back wall, including my roommate's window was damaged but the interior was not burned. Right before the fire started, my girlfriend and I were smoking a cigarette in the back. I know this sounds really stupid, but we were using a plastic food container as an ashtray and we had it close to the back wall. One of the firemen was asking me questions, he even asked me if it's possible that arson caused it. I said no. He also asked if I was smoking a cigarette, and of course I had to say yes. He was asking me questions on how I put out the cigarette, and I showed him. At that time we were just so grateful that that was all that happened. Things could have been a lot worse! I spoke to my tenant after the fire and she just asked me what happened. She was really nice about it, she wasn't even upset. I asked her if the house was insured, and she said yes. Eight months later, I received a letter from her home insurance. It was a subrogation letter, and they're asking me to pay for $5084.67!!! I responded to them in a letter and asked for a claims report and out-of-pocket expense receipt. They sent me a copy of the claims report, the fire department incident report (which I also got from my tenant), and another letter requesting me to just send them a check. They did not send an out-of-pocket expense receipt, probably because there was none! I spoke to my tenant, and again she was really nice about it. She said she was not aware that the insurance company was asking me to pay for any amount. She said she only received a check from them for $4,154.85. I asked her if she can give me a copy of the check and the claims report. She gave me a copy of the stub showing the amount she received from the insurance company. She did not have the claims report, but she had a copy of the incident report which she gave me as well. By the way, the incident report stated that it was accidental and unintentional. My question is, does the insurance company have the right to charge me the full amount of $5,084.67?!?! They're even charging me for the appraisal fee! There's still a balance of $321.82 from what their billing us and the check they gave to my tenant. Please help! I"


How much jail time for no insurance in georgia?
My friend had an unpaid ticket that turned into a warrant. If he were to turn hisself in how long would he serve.


I need help on choosing Health insurance..... Anyone?
Okay, I've been looking online for hours now and i can't find any health insurance that covers Medical, Vision, and Dental.. I recently chipped my tooth and i need it fixed pronto... its very Painful.. "


Can policr find out if you havent got car insurance by reading the car numberplate?
Can policr find out if you havent got car insurance by reading the car numberplate?


How much does testosterone therapy cost per month?
I'm a young trans guy (almost 20) and I don't have insurance. It is important to me that I start hormone therapy while I am still in college, but I need to know if I can afford it. How much does it cost for injections? I know it varies from guy to guy based on how much you take, your dosing schedule, the pharmacy, etc... but can you give me a rough estimate? If it is any help, I live in the Upper Midwest."


I'd like a bigger bike but what will the insurance cost me?
I'm looking to trade in my 125cc for a bigger bike, most likely a 600cc, but I'm wondering what the insurance will be considering I have 3 points on my license for speeding. I'm looking to get it for my 18th, and it will be restricted to 33bhp. Can anyone give me a ballpark figure of what the insurance will be? And what bike should I get?"


How to cancel a Car Insurance?
I just got my car and I do have a full coverage insurance for it. I have a 2000 Dodge Neon and I am 20 years old. My insurance company is called Insurance Doctor"""


Why are my car insurance quotes so high (first car UK)?
OK, I passed my test last week so I've started looking at what cars to buy, and which ones have the cheapest insurance. I've tested lots of different comparison sites to get insurance quotes and most of them are around 4,000! To me that's strangely high for cars that are less than 1,000... The cars that I've had quotes for are Vauxhall Corsa's and Ford Fiestas, both 1.2L. A friend of mine insured a Golf 1.6 for 900 which was his first car, so I really don't get why my quotes are so different, especially as I'm looking at much cheaper cars. I've also tried using the sites that offer a telematics box which is meant to be considerably cheaper but it's still around the 4,000 mark for some reason. Is there any way I can get it cheaper without going onto my parents insurance?"


Do Royalty have car insurance?
Do Royalty have car insurance?


Do I need insurance to drive anothers' car?
Someone is telling me that I cannot drive another persons car unless I have insurance. I do not own a car, but I do have a driver's license so what insurance am I suppose to have? or are they just pulling my leg?. And yes I am waaay over 21."


How much will my car insurance go down if I switch to liability?
I have a 1999 Oldsmobile Alero and pay full coverage right now at about $50 per month. I'm a 25 y/o female with a clean driving record. Any ideas?


"Do the initals of the insurance company AXA actually stand for anything? If they do, what do they stand for?
All of you gave fantastic answers - I wasn't expecting so much info! I only really asked as I have to translate an article from French to English which mentions it.


Car inspection for insurance?
So I hit my friends car and he told me to tell the insurance company someone hit me in a parking lot. If I do that and the insurance company inspects it, will they be able to tell that I hit someone instead of someone hitting me?"


How much is car insurance for a range rover a month?
state farm


What am I required to report when I apply for new car insurance?
I scratched the paint on someone's bumper. A claim was made and the damages paid were approximately $1300. My question is: if I will be applying for a new insurance policy, am I required by law to report that I was in a fender bender? Are they able to access these records? I am trying to determine whether or not this will affect my new insurance policy rates."


connecticut insurance website



Health insurance?
hi! i have a friend who is moving to California to work. She is curious if employers offer health care to employees or give health care for free? i know health care is expensive. Does every employer provide health care to its employees? Thanks


"Since Police are only human, they lie, cheat, steal and break the law. Should Video Cameras be mandatory at all times on duty?"
The law of statistics show that police will commit crimes on average as much as the average person. We have seen plenty of proof of them committing crimes over and over in history, but now we can document this. Unfortunately a Cops word carries more weight than the average citizen, this is wrong. by mandating video cameras we can help with this problem. Already the results of those police departments using them are of great significance. A huge drop in claims against them, cheaper insurance etc etc. the benefits far outweigh the cost."


What would be the best car insurance for me?
I just turned 16, and my dad is giving me his mustang. it is a 2004 mustang gt, 2 door coupe. we own it so its all paid for, but he's just going to add me onto his insurance i think, but i'd be paying the difference. so how much would it be to pay insurance monthly? and which car insurance company would be best?"


Buy a life insurance policy?
I am not going to die right away can anyone tell me if it would make sense to get a life insurance policy and then sell it to someone to cash out on that policy because I have no credit and I need to raise some cash yesterday.Does this work and how much would it cost to buy an insurance policy that someone would be interested in buying ?


"I hit a parked car on accident and before I could get my insurance and stuff out, the guy got in and drove away?"
I was just about to get out of the car. I feel horrible but it didn't look like there was any damage to his truck. I sat there for a few minutes to see if he could come back but he didn't. I know I hit the car and it was my fault but can I get in trouble anyway now? So basically, it was more of a hit and he ran."


"If i claim Home Insurance on current house,wud my insurance be high in a new house?"
Hi Im thinking about using my insurance to repair water damaged area at my current house, would this increase my house insurance cost, if i moved to a new house. Or would the insurance be only high if i use the same insurance provider?"


My friend and I got tickets for rolling right thru a stop sign. Will insurance go up even if we dont get a pt?
So, a line of cars got tickets for 'rolling right through a stop sign'. We are considering just paying the fine and taking traffic school, so then we wont get a pt on our licenses. But will the ticket still count toward raising insurance rates if we dont get the point? What do we do if we take the traffic school thing online? Do we need to take the certificate anywhere when we pass? We live in California and this is our very first ticket. :["


What is the best pet insurance for dogs?
Would like to hear the pros & cons of pet insurance for dogs....from people who actually have purchased it for their pets....do they really pay out what they claim on their sites? Have you ever had a problem getting them to pay for something that was supposed"" to be covered? I am thinking I should get pet insurance for my 2 year old lab mix just not sure if they actually do & pay for all they say they do on their sites....any insight would be appreciated. Thanks up front."""


"Can I drive a German registered car in the UK, as a British Citizen living in Germany?"
I own a car that is registered in Germany, with German plates on it, and I live in Germany, but I am a British Citizen. Is it legal to drive my car in the UK, and other EU countries? Not on a permanent basis, just for a few days. Do I need any kind of special authorization?"


On average how much does a vet cost for a large dog w/ out pet insurance?
He would be going to the vet in either Show Low, AZ or Lakeside, AZ both located in the white mountains. They both are an average size town."


My very good friend says for me to take term life insurance on him can i or just for families...?
...etc He is in his 62. Also live in Calf and I am in my 70's. He brought this up last night. Thanks


Disability insurance?
Where can I find a free, instant , disability insurance quota online?"


"Pregnant, unemployed and I need insurance?"
I'm 24, recently terminated from BOA due to a matter with an incorrect procedure. Meanwhile, I'm pregnant with my second child and unemployed. My husband is doing great for our family (we are a small single family living by ourselves). He's working and paying all the bills and then some. Where can I find some much needed health insurance for myself? Please advise. Thanks and God bless.. (I'm 24, african-american, non-smoker, not diabetic, don't have any std or sexual disease, and I'm healthy thus far. Please help) Located in Atlanta Georgia, USA"


In CANADA - Why is car insurance cheaper for women?
I understand that women are less liability statistically, but to base car insurance rates on gender is a violation of the Charter of rights and Freedom - despite the fact all regulations, policies and laws are suppose to be constituted by it ... One of two things can be the case, either: 1) The Charter is a piece of paper as important as the toilet paper which I use to clean myself after excrement. 2) There is something which I am not understanding. Someone please offer a good explain and ill give ten points."


Can a landlord who owns the upper flat ask me to pay half the bill to renew the guttering he say his insurance?
i live in my own flat which is the lower one, upper one has nothing to do with me "


connecticut insurance website