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Can I not use my health insurance until my deductible is paid in full?
Can I not use my health insurance until my deductible is paid in full?


Why is reasonable profit for insurance companies bad?
Many jobs are provided in insurance.


"Hit and run accident, should insurance pay for my auto damage?"
Here is my situation that I'm confused about. About a week ago I went to church and parked my car. Next thing I know is that someone was driving stolen (Yukon) car and has hit the jeep and jeep has hit my car damaging it really bad. The driver of Yukon left the scene but has left the car at the scene. I called my insurance (Progressive) to report accident, as it came out, I didn't have UMPD option on my insurance so the representative said that they will not cover the damage but if stolen car has an insurance they will have to pay for damaging my car and Jeep. After one week police officer calls me and tells me that owner of stolen car did have an insurance and he gave me phone number and the name of representative that deals with this case. So I call the representative and find out that stolen car has same insurance as I do (Progressive) and after talking for a while with representative they say that they will not pay for my cars damage unless police will catch the driver or unless the owner of the car will say that the person who was driving the car had his permission. Should insurance take care of damage that Yukon caused to my car even if it was stolen or is it Insurance just trying to get away with it so they don't have to pay for fixing my car?"


Do you need car insurance if you're bonded?
If I have a SR22 bond do I need car insurance as well? I've heard about them letters the BMV sends out and I don't wanna lose my license if they ask if my car is insured.


Suggestions for health insurance.?
I'm an owner operator truck driver which a means I need to get my own health insurance. I'm seeking the best coverage for the money.


When can i refinance my car loan ??
i bought a car on June 5th this year ( 200-7-) Now i pay around 425 dollars for it every month , and as per insurance around 198 . i make around 750 dollars a month . i am doing this because i want to be independent from my parents. If i don't start somewhere then i will never be on my own . anyway emotional stuff aside..hehe. When can i refinance my loan , currently it's around 6-7% I think my credit score went high , my equifax is 669 , when i checked right now on creditinform.com. I have chase bank , you think they can lower it ? do you know how much lower they can go ? around 300 maybe? i am goin to take defensive driving class also , i heard that saves a lot of money also on insurance.. Please help , : ) thanks , have a nice day."


What was your first car?
Mine was a really awesome red Ford Tempo.


Car insurance help please?
Can you give me a estimate on how much my car insurance would be if I get on by myself. I heard it'll be high. I'm 18, and have a Bonneville...thanks"


I have a question about the Subaru Wrx Sti and Insurance?
Hi, My name is Adrian and I'm 20 years old and just go recently got 2008 scion TC 2 months ago, and yes I made a mistake because I should have gotten the used Subaru Wrx Sti 2005 and has 23,000 miles or above with modded exhaust. They are selling for 19k... Guys Do you thinks its ok to trade in my Scion Tc for subaru wrx sti??? I dont have credit and currently building it up by paying my car, insurance and cellphone... My insurance cost for my Scion Tc is $239 i know its high because 21 century consider it as a sports car not 3 door hatchback... Do you think my insurance will lower since the Subaru Wrx sti is older and its sedan... Thanks you!!!! BTW THIS IS THE SUBARU THAT I WANT TO TRADE IN http://washingtondc.craigslist.org/nva/ctd/3418522562.html"


If my property got stolen is my landlord responsible or me (the tenant) without any renters insurance?
i would also like to state that we don't have people coming and going unlike most people here who have others piled in their apartment. and we did not not make police report(s) because the state we live in if the police is called to a building and causes a nuisance and inconvenience to them they can condemn it and our p-m has a police scanner that picks up everything so he can find out.


Universal Health Care: Why doesn't the U.S. have it?
I am American. I am seeking the Canadian opinion as to why the U.S. doesn't have universal health care. The U.S. is the only industrialized country without it. It seems that universal health care works for the most part. It's my understanding that some of the best health systems in the world are in Japan, France, Germany, Italy, the Scandinavian countries, and Canada. Honestly, universal health care doesn't sound as bad as some people describe it as. In addition, should it not be a right to health care? I think it should be a right. What kind of society puts profits before people? That's just wrong! I support universal health care. I think the fears associated with it espoused by certain people in America have been exaggerated or are non-existent. I think it's absolutely possible to have a health care system that's universal and provides quality medical care. France, Germany, and Canada are proof of that. I am an American and I support universal health care."


What is a good insurance company that covers maternity?
I am not trying to conceive yet, maybe in March we will start to try. I want to be on a good insurance first. The insurance with my job is $200 a month just me not my hubby plus we migh move and then I don't think I could get it any more. I'm not sure what the rules are with that. So Do you know of any good insurance companies that by experience are a good choice?"


Cheapest car insurance for a 17 year old?
What is the cheapest insurance i can get for a Seat Ibiza 1.4 Petrol 2008 Automatic, No modifications made, just passed driving test but can not find a cheap insurance? Can anybody lend me a hand and guide me to the cheapest deals? I have checked all the comparison websites the best i have got is around 2,200."


How do I write a notarized statement indicating that I had no car insurance at the time of car damage?
I rent a car from Enterprise and Enterprise found a scratch on the back right wheel well when returning the car on 11/18. I have reported this damage to Visa Company for activating Visa Auto Rental CDW (collision Damage Waiver) benefit. Now Visa Company needs a notarized statement that I did not have personal automobile insurance at the time of incident. I want to know how to write this statement!!!


First Car?
I need an all around car and I need it to last through college. I am trying to head towards the Grand Am, or maybe a Cavalier."


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How much is motorcycle insurance for a 150cc moped?
I've heard some people say $100 a YEAR. And some $250 a MONTH. Big difference. Who is more correct? And I'm just wanting a rough guess. Not an exact quote. So please no answers for me to contact a local agent. Thanks! :)


Should I allow my teenage son to get his driver's license?
Great answers, everyone! Rebecca, while I agree with most of what you say, I cannot go that route. Over the years there have been too many unfulfilled promises, or what I call 'debts' that were made in order to get something desired. Instead of the 'here's your license, you have 30 days to get a job, I would rather it's the other way around: Line up the job, and we'll go get your license. That's how it worked when I was 16. There will always be the excuses as to why there is no job, and in the meantime, I'm blowing hundreds of dollars on insurance. If the 'emergency' situation arises, he knows how to drive, and having the license is the least of my worries...he's a safer driver than my wife, so I'm not worried about him getting busted in that situation..."


Does USAA offer gap insurance on vechile loans?
Does USAA offer gap insurance on vechile loans?


Can i get Renters insurance if i am?
Can I get rentersinsurance if i am living in one of my uncles home?


17 Year Old Insurance Question..?
ok, hmm yea i talked to my parents and they said they'll have the registration and insurance on their name (and me listed as a secondary driver) and hopefully if that brings it down to $100-150 then i can honestly get whatever car i want under $12k. i will mainly be using it to drive from school and back, so mileage wont be so much. resale value isn't much of a problem but i guess that i dont want to get a dud car that i need to keep repairing. i hear manual transmission cars are easier to repair and hopefully i can get it checked with a mechanic before i buy any vehicle."


I want a car! what car(s)do you recommend to buy for a new driver?
cars that are new (not broken down second hand cars) and come with cheap car insurance for new drivers please help me!


"How do I pick a car that's cheap to insure? I'm in NY and need a cute, reliable 4 door '03-'05 car.
I have been driving a little more than a year and can't afford to spend $500+ a month for insurance so I want a car that's insurance friendly. Thanks.


Which car financing company finance teenagers?
Okay, heres the gist. Im a teenager with my permit, & been driving since I was 14(just driving around in the neighborhood than progressed to roads with traffic lights, than highways) with my parents. Plus, they both have huge SUVs and Im a safe driver. In fact, my parents are so happy that Im not into convertibles or sports cars because the insurance will be so expensive. I prefer driving an SUV or a spacious car. (Nothing small like a Kia Spectra, or a Hyundai Electra.) Im tall (62), so I need comfortable space for my legs. I completed driving school and my 6 hours on the road with my instructor, and I had to drive a small Kia Spectra which was very uncomfortable. ANYWAYS, let me get to my point. Im looking for a nice dependable car that is nice. (under $8000.00) as long as it has its unique special look to it, I will be fine like the 1999- 2001 Volvo S80 or the BMW 528i or the 2007 Jeep Patriot, etc. Im looking for a company that would finance a teenager around my age"


What is the best car insurance that you don't have to pay much in any state?
I live in NJ and paying half as my car cost...


88 Toyota pickup 2wd- whats the insurance costs with just liability?
also itll be in my dads name, hes 45 with no speeding tickets or collisons, clean record."


350Z insurance at 18. Read b4 answering!?
So my parents are buying me a 2004 350Z used with 42k miles for $14k. Im 18 live in Ohio with good student discount, no accidents and no tickets. My mother has a clean record and is 50 years old married and will be able to have multiple car discount if filed under her name. What do you guys think I should expect to pay monthly or annually? I feel it should be like 120$ a month but heard Zs are one of the worst cars to insure. Serious replies only please"


Who has a better idea for getting health insurance companies to cover pre-existing conditions?
The problem is that, without the mandate, insurance companies won't cover people with pre-existing conditions. Otherwise, people will just wait until they get sick to buy insurance. So you have to create a system where everyone is insured -- a mandate. OK, if you don't like the mandate, how would you get insurance companies to provide affordable insurance to people with pre-existing conditions without a requirement for everyone to have insurance Your solution has to cover the situation where a person gets laid off, wants to start their own business, and needs to buy affordable individual coverage (not group coverage) for themselves and their family. You have 30 minutes. Begin....now."


Health Insurance?
Hello. My name is Angel I am 20 years old and live in an apartment with my boyfriend whom is 19 years old. I am a full time college student and he is a full time employee. We both do not have health insurance. We are getting married soon and his job does not offer insurance for a year and then the 60 days start. I am scared that if one of us gets sick we may get stuck in a bind. I am not sure what we are eligible for or who to talk to to see what the options are. We make 420 dollars a week. Are we eligible for assistance? I need advice as soon as possible. Thank you very much. Angel


Why is the insurance so much higher on progressive if my eye doctor specifies progressive? Read on for details. I will award best answer.?
Early last year I stared working for a major company which offered vision insurance. I'm 55 years old and wear progressive glasses. I have a simple prescription. (od or right -1.00 -050 090. os or left -1.50 0 0 with +2.50 add) Since I had vision insurance until the changes kicked in during April I checked into getting a spare pair. I was told by the optical store that the copay was 80 to 160 dollars on progressive or 10 on lined bifocals which I don't want and can't get anyway because of the eye dr. writing progressive on my prescription. I don't understand if a medical professional specifies something why the co pay is so much higher? As a result I did not take vision insurance which was only about a dollar a month. I should have took it for the 10 copay on the eye exam. Anyone else have this experience?


I want to buy a Mazda RX8 with 69xxxx miles. is it a good car and how much does insurance cost for these cars?
How come i don't see many of these cars around?


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How much does school bus insurance cost?
my friends and i are pitching in to buy a school bus. it seat 22 people, and we are just wondering how much insurance for this might cost. what do busses usually insure for?"


Kawasaki Ninja 500R insurance?
Dose any one know how much the insurance would be on a Kawasaki Ninja 500R for someone that is about 18 with no accidents, or speeding tickets and good-ish grades?"


Home insurance question - what if I am paid more than the cost of my repair?
Let's say I have a tree fall on my old metal shed. The cost would be $500 to replace to the same model. Let's say the insurance company pays me the $500, and then I go shed shopping. Let's say I find a cheaper, more efficient plastic shed, but it is only $350. At that point, am I supposed to pay $150 back to the insurance company, or is that money still mine, because that is what it would have cost if I replaced the same model of shed? Thank you."


How much woul i pay for auto insurance on 2007 Hyundai Tiburon?
V6 2 door coupe. Im 18. 2 tickets, 1 for running a red light. Other was a car accident, 9000$ cost to insurance on property damage. No injuries, or if anybody owns one let me kno hoe much you pay so i know the bapp park"


Heath insurance help ?
what is affordable heath care plans ? and do u have 2 pay monthly 4 heath insurance


Behind the wheel test insurance question?
I'm taking my behind the wheel test soon and my best friend is going to be my licensed driver and we were thinking if taking my moms car its insured and everything but its In my moms name only. Can I still use it for the test even though she's not going to be there? I checked the dmv website for California and it just says the car needs to be insured with valid registration.


What kind of motorcycle could I get?
I want a vehicle and I think a motorcycle would be kickass. If anybody has any experience, please help me out. Is there a good bike I could get used under $3000 that I could ride on the highway (75 mph). Does your car insurance go up when you get the license? What would insurance cost for a 17 y/o male with no collisions or infractions? Any help would be greatly appreciated."


Where can i find cheap moped insurance?
i have just applied for my license and i am going to get a 50cc moped (WK Wasp 50). i was looking around for the price of full comprehensive insurance and the cheapest is around 650... is this cheap? please advise me on any cheap firms thanks!


Where can I find more information on Flood Insurance In CA?
There is large portion of the population that does not know much about flood insurance. Let alone what FEMA is doing to thousands of California Property owners. FEMA is re-mapping several communities within the state and every other state for that matter. Flood insurance is becoming a necessity and if your community is being affected, your property may be becoming a high risk flood zone. That means you have no choice but to purchase a policy. If you are concerned about these changes and how they affect you, then visit www.myfarmersagent.org. There you can obtain a flood zone determination and quote. We specialize in preferred rate policies and helping you grandfather your property to its current rating. Let me know if this helps anyone, I would hate to see anyone stuck with a high risk flood insurance rate."


World Travel Car Insurance?
I want to travel the world and i want to do it by kitting out an old transit van into a sort of camper van interior style. This way i wont have to pay for accommodation. I know fuel prices will be high so i have begun saving now giving me a few years. however i was wondering if i need to pay car insurance. I am really confused by this and at the moment, the insurance for a year would be 6500!!!! I just need some information.... Cheers"


Question about cheap health insurance??/?
i am looking to buy some health insurance that is affordable that will cover a tubal reversal surgery %100. I had my tubes ties or burned 5 years ago and now we would like to have another child but i just have medicaid and that wont cover it... Any ideas on some insurance plans that would cover a tubal reversal and pregnancy and where i can find a doctor that will do a tubal reversal with health insurance????/


"Life insurance question - whole life, bank on yourself/infinite banking, term life?"
Hello, my husband and I are in early 40s, with a 1 year old son. We both work full time. We bought a house on a 30 year mortgage last year. We are looking for a life insurance for each of us and inquired the same company that has our car and home insurance about it. We arent really knowledgeable about various insurance products. We knew there was term and permanent life insurance, but not about different permanent options (whole, universal, etc.). I had imagined that we would go with a cheap, term life insurance. When we talked with the agent, he started off by talking about bank on yourself (infinite banking) concept. We finished the meeting without digesting all the information, but after looking at various information on the web, Im still not sure if it is a good idea or not. What we want the life insurance to cover if one of us dies now/soon is at least half the cost of raising our son (until hes 21, so maybe 20 more years?), half the remaining balance on the mortgage, funeral cost, and amount we would have saved in the coming years for our sons college. I tentatively calculated that to be about 300,000. However, if we dont die until were 70, most of our mortgage would be paid off, we would have already paid for his college tuition, so we dont need that much coverage. I have read that people should re-examine their insurance needs periodically and adjust their coverage from time to time. But then I imagine if we re-examine and adjust our coverage when were 50, 60, or 70, our premiums would be much higher (assuming adjusting our insurance=change to smaller coverage would be equivalent of starting new policy; please let me know if this is wrong). I wonder, if taking a whole life policy and taking the money out (=banking on ourselves) for our sons tuition and some additional principal payment on the house would be a way to adjust the size of our insurance, without increasing the premium (from refreshing our policy at an older age)? If we take out that money from our policy and not pay back in full, then I imagine our death benefit would be smaller, but thats fine if its after weve paid for most of our mortgage or our sons tuition. Is this thinking on the right track? What I understood before is it is usually the best to buy term insurance and if you have extra money, invest in other vehicles, rather than buying more expensive insurance. Would this still hold true in this case as well? Also, if we are to look around into other companies, which ones do you recommend? I also dont quite understand paying back what you withdraw with interest when you bank on yourself. Who are you paying the interest to to the insurance company (theyre making profit, Im losing money), or myself (we're making money)? Another question: in the whole life scenario that the agent showed us, the cash value does not seem to exceed the totally premium paid until 18th year (cash surrender value in non-guaranteed illustrated values), and in guaranteed values scenario, the guaranteed cash value never exceeds totally premium paid. Is this common? Its dividend also never seems to reach the point where it pays for itself (amount of dividend >premium). Does this seem right? I would appreciate your input. Thank you!"


Off roading 4wd insurance question?
Hi all Just wanting to know if when you are 4wding if you have an accident eg :rool the 4wd or flood it or break stuff on it are we covered by insurance and are there any 4wding insurance companies for 4wders only?


About what would a trip to the doctor's office + a prescription to depression meds cost without insurance?
Like the question said, on average about what would a trip to the doctor's office + a prescription to depression meds cost without insurance? We live in New Hampshire for the record. I'm sure that is relevant."


Where can I seek affordable health coverage for general and emergency care?
I'm currently jobless, and living abroad in Central America with my boyfriend. I need health insurance for emergencies and general health care. The plan I had was too expensive and I am desperate for a sense of security in case something happens. Also, I have been struggling with some more minor health issues and need to be able to see an American MD when I am home in the states. Please advise. Would also appreciate helpful weblinks as internet resources. Thanks."


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