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Why do home insurance companies always want to over-insure houses?
I just got a quote for my home insurance, and they are trying to insure it at a replacement cost of $270,000 when the house would only sell on today's market for about $185,000. Since if a house burns down to the ground (total loss) they give you the full amount to rebuild (right?), I would much rather pay less premium, insure the house for market value, then simply buy a similar house in my neighborhood. It makes little sense to rebuild for more than the house is worth. It would be the same as repairing a car that's otherwise totaled."


"Best health insurance, if your unemployed, and already have health problems?"
What is the best health insurance for yourself if you do not have a job but can buy health insurance (husband works) and already have pre exsisting health conditions (hypothyroid, PCOS) and you do not want to pay much out of pocket when you goto the doctor or for RX's? I do not know ANYTHING about insurance I have never had it!"


Can I get paid by an insurance company to repair my own car after a no blame accident?
I am qualified panel beater/painter and have been for 20yrs,I should really know the answer,yes the other drivers insurance are paying.I was thinking along the lines of,I agree the price with the insurance company,repair it at work in my own time and pay my work for the use of garage,but as repairer I would get around 3 times my hourly rate for doing what I do every day."


Question about driving a car with motorcycle insurance?
My mother wants to know if I can drive her car even though I'm not under her insurance. I have motorcycle insurance. I live in Florida.


I got a great quote for life insurance by mail from Globe LIfe And Accident Insurance. Is a legit company?
Does anyone could give me their telephone number?


"In requesting that the insurance company pay a bill for you, you are making a(n)?"
In requesting that the insurance company pay a bill for you, you are making a(n)?"


How much should whole life insurance cost for a younger individual?
Whoa calm down man..I only think it's expensive because my mom who is more than 20 years older than me pays a little bit more for $100k..yeas there's a big difference between $100k and 250K but even when I checked how much my $100k would be it was only a little cheaper. Considering the huge age difference between us i though it was too expensive


Insurance company GETTING AWAY?
I was reently rear-ended, my vehicle was totaled. My MEDICAL insurance paid for all our medical costs, does that mean that the other drivers car insurance company gets away without paying anything. At the hospital I gave all my medical insurance info, recently I got a letter from the hospital saying that all cost were already paid by my MEDICAL insurance company. Is the other drivers CAR insurance company gonna get away without paying anything? They have accepted FULL fault, since I was rear-ened."


Anyone can explain to me how to acquire cheap SR-22 insurance?
Your damn right.. .Now I'm a police officer... BTW I was at the legal limit, but underage. so **** you"


"If i get a one day moving permit, in the state of california, do I need insurance?"
If i get a one day moving permit, in the state of california, do I need insurance?"


Who here would oppose the cost of their health insurance premiums going down by say 50% or more?
I am assuming that we all can agree on at least that part ...right? that it sure would be nice to have health insurance that for example for myself costs my family and my employer over $17,000 a year...it sure would be nice if somehow someway it worked out where that premium to me and my employer was only say $8,000 year, which is still a big chunk of change..surreal actually. But I get the feeling there are some americans that think this is ok...I mean that health insurance to cover a family (crappy coverage at that) costs nearly $20,000 a year. Come, on....I am sure we all can agree something is drastically wrong with that sort of inflated cost. So the question is how do we change that? What 3 or 4 suggestions do you have that you think if implemented can get my total health insurance bill down to a more reasonable"" amount like only $8"


My father recently died and in the will it did not list his life insurance policies. Am I entitled to see this?
I believe my step-mother changed the will in regards to the life insurances. The amount I am getting is not what my father had led me to believe would be the amount.


HEALTH INSURANCE FOR MY MOM?
Ok here is the deal-we are on my husbands military insurance and we were under the impression we could add my mother if she was our dependent-however we can't unless she is declared legally incompetent which she is not. However she is 60, very sick, with a preexisting condition (diabetes,lupus, and depression). She can apply for disability but has been waiting on documentation forever-so that's not an option right now. I feel terrible because we told her she could be under ours because we were originally told she could be-and now I have to tell her otherwise which will be awful. Does anyone have any ideas for affordable insurance for her. She doesn't qualify for Medicaid and we live in KY thanks-and please no smart *** remarks or anything this is a serious question and I need all the help I can get."


Why is car insurance compulsory here in FL?
I own my car. The cheapest car insurance here (only) covers $10k on damages which is called PIP insurance and it is required by law. If the PIP insurance only covers $10k on damages, and I have more than 10k dollars on my bank account why in helllllll do I have to give my hard-earned money to these moth*rfu(kers? Sorry for my temperament but I need a clear explanation on this. If I am willing to give those $10k to my car insurance which is the only that they cover on damages if I crashed, why wouldn't they accept the dial and stop charging me monthly in my whole life? and return me those 10K when I stop driving? Again, I'll explain it easier. I'd give $10k to my car insurance till I crash. 10K is what they only cover. Why would they charge me every month needlessly? I have never crashed in my life. I have never filled a claim, then why would I have to pay my car insurance when they only cover $10k nothing else. ( I have been driving more than 15 years)"


Car insurance? will it go up if no claim is made?
we were out of the country when son had accident, the passenger did not contact any no win-no fee places, we dont know how details how were obtained, the car is in storage and we have informed dvla that it is off the road, and the policy has been cancelled. this happened nearly 2 months ago, but now son is ready to drive again, car will be scrapped when he recovers parts off of it


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Martial arts: would you train without health insurance?
Had to drop my health insurance a for a while to save money,,,i may need to stop MA as well in case i get hurt, but then again, ive never had to go a doc for anything serious other than a shoulder strain. would you train w/o insurance? thanx"


Planing to get a van and build it as an RV to use 1 every 3 months. Does it require full time insurance?
Hello I am planing on buying a cargo van ans transform it to rv. I will used 2 - 3 weeks every 3 months when I go in my camping trips. Is there a way to insure the van for only the time it is actually on the road? the rest of the time it will be sitting on my yard. Right now I have other cars insured with Geico but wanted to hear the opinion of you guys before calling them.


How does uninsured motorist car insurance work?
I have insurance, I just choose not to get collision because uninsured motorist was cheaper."


Home Insurance Check made out to myself & mortgage holder?
My home was damaged in a Hurricane Ike, I had estimates done and the insurance adjuster came out. I just recieved the insurance check and it is made out to both myself and my mortage company. Can I deposit this check into my bank account? I need to get my roof fixed before it rains again, because it is raining into my house!!!!"


Can insurance change your vehicle designation?
repairs on my motorcycle which included frame change were authorized by my insurance. However the new frame came w/o a vin # which I had to get stamped for a new title. Now I have a specialty constructed vehicle"""


I just got pulled over for not having my seat buckle on and I'm wondering how much my insurance will go up?
This is the first time I've EVER been pulled over and I've had my license for a little over a year now. I get good grades and all that stuff so my insurance is pretty low for the average person right now. I'm wondering how much my insurance will go up? SOMEONE HELP! Kinda freaking out here. :p Oh, and I DID get a ticket. I guess it's click it or ticket month in my town (lucky me). The ticket was $70."


Cheapest car to insure at 17?
Hi, I've applied for my provisional and on the 26th of Jan I'll be 17 and starting lessons then. However my parents are getting me a car before hand so when I do lessons, I can drive with my parents too and my brother to work. I need to find a cheap car to insure? I would be interested in a Peageuot 106 (Small engine obviously) and just plain. Would these be expensive?"


What restrictions do i have with my motorcycle permit in California?
What can I do now that I have my motorcycle permit? I'm living in California (also an CA permit, fyi), and I'm not sure if I'm now able to ride on my own, when i'm able to ride etc. I've heard that I need someone over 21 'supervising'. Does anyone know if there's a penalty for not riding with an over-21 adult? Also, insurance-wise, what do I need to do once I buy my motorbike?"


HELP! I need an insurance company for my 50cc moped?!?
Hey Im 16 and have just bought an 07 Aprilia SR50 scooter, I need to get insurance but most places are quoting me around 500! Im not one of these chavs that races around don't worry! Does anyone here recommend any insurance companies or have a good deal on there insurance? Thanks in advance. =]"


How can teens afford car insurance?
I really want to learn how to drive but can't really afford car insurance any suggestions??


Car Insurance?
how much car insurance do i pay for a 6000 dollar car


How much is car insurance on a Nissan 350z?
How much is car insurance on a Nissan 350z?


Insurance esitmate for 2 door vauxhall corsa?
Im 17, and im planning to get a vauxhall corsa, estimated insurance prices please?"


Can I get car insurance if I only have my G1.?
I currently have my G1, and have passed a driver training Program and have a couple months left untill I can take my G2 road test. I recently had a car given to me and it is in my name sitting in my driveway, so is it possible to get insurance and be able to drive while having somebody in the car with me with the experience needed? Has anyone done this before does it work can I do it? ...Thank you for the help."


How much is insurance for young men drivers?
I want to get a new car and im 18 years old. My dad says he wont put me on his insurance if i buy a new car but insurance on a new car will be like $400 a month!!!! I have no accidents or tickets my record is clean. Is this normal? I dont live in a bad area and it is a convertible pontiac g6. ThanX


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What will happen or what should i do if i said i didnt have health marketplace insurance when i do?
What will happen or what should i do if i said i didnt have health marketplace insurance when i do?


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?"


Education determining car insurance...?
Here in NJ (USA) auto insurance differs by your level of education. I have an associates degree but if I were to put on my insurance that I have a bachelors for cheaper insurance would that be alright? I have been in an accident once and used insurance once and they never asked to see my degree or transcripts.


What is a life insurance declaration page?
Does it have the policy number on it and the names of the beneficiaries??


How much will it cost me to send an used laptop from US to India? including insurance. Is insuring a must?
I don't mind even if it takes a couple of weeks to reach me. How much will the entire process cost me?


Can I be covered under my girlfriend's insurance plan if we have lived together for a year and a half?
My girlfriend works for AT&T and is enrolled in their insurance plan. I just graduated from college, and have not started employment with my job yet. The insurance coverage I had with my parents is going to expire at the end of this month."


What do you wish your insurance agent would do for you?
Aside from the impossible, what do you wish your insurance agent would offer, help with, take care of for you or do differently?"


Can I transfer my government health insurance?
I currently have health insurance under PA Access (PA COMPASS) and might have to move to GA..(I looked it up and it's GA COMPASS, so I'm thinking they're similar..) I was wondering if there is any way that the insurance is transferable, or will I have to cancel it and reapply should I have to move? If any one could give me some kind of advice or how to go about transferring it should I have to, that'd be awesome. Thank you!"


Anyone know insurance companies that will sell life insurance to severely obese people?
Anyone know insurance companies that will sell life insurance to severely obese people?


Coast Guard Reserves health insurance?
Is the health insurance for the reserve member and their dependents the same as an active member? I cannot find a clear answer on the internet. Is there just a more limited coverage, or none at all?"


How to get a good quote for my car insurance?
basically, i've got 1 year no claims with direct line car insurance for the past year( only 1 year driving experience). i was paying 85 for fully comprehensive, and was 24years old when applied for the insurance. i just received a letter from direct line for my renewal, and now it's gone up to 109. i was wondering what might cause it to increase, and if now am over 25years should i really inform them (if it's gonna make a difference). is it advisable to switch to another company for maybe cheaper deals?! p.s i have a vauxhall calibra year 1995"


My health insurance policy is too expensive. What shall I do?
My health insurance policy is too expensive. What shall I do?


(uk) Do you need to tell your car insurance this....?
If you get diagnosed with mild arthritis, do you need to tell your car insurance this? And if so, do they make it more expensive?"


Can i survive without auto insurance?
I'm 16 and a half. I live in California. I got my drivers license yesterday. My dad has farmers insurance. Adding me to his plan will double his monthly bill. I am a VERY good driver, i live in a small city, and i never go on the freeway. Is it alright if i drive without adding myself to his insurance plan? i don't think $200/month is necessary. Also, it is not legal to drive in California without financial coverage so if i get pulled over, will i get into trouble?(the car's covered so im partially covered rite?). Thank you"


"Auto insurers accused of pushing cheap and sometimes dangerous repairs"" CNN?"""
http://www.cnn.com/2015/02/11/us/auto-re... Any of you machanics ever seen this crap? Insurance companies get FREE money from us every month for auto insuance, only for that maybe 1/10 chance they'll ever have to pay for a repair that costs 500 or more. This is getting crazy. I don't believen govern interferance on businesses, but there's certain businesses that do need some overside by a government body, that has some integrity. (I know I know, government/integrity is an oxymoron)"


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