How does insurance work?

How does insurance work?

From my understanding of insurance you send money once a month, a deductible is what I believe it is called… Correct me if I am wrong SO really, you pay insurance companies a couple hundred dollars a month, and then it covers your hospital bill. ANd even if you are constantly sick and constantly visiting the ER, your insurance covers it. Then where does the money come from? Why the hell are hospital bills so expensive without insurance… ANd if it is that simple…. WHY DOESNT everyone get insurance? HOW DOES IT WORK?!?”

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


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With regards to life insurance, what are the fees that are deducted from the account (mortality fees, etc)?

I’m preparing for my life insurance exam, and one of the questions asked which fees were deducted from the account. It was multiple choice, and I remember one of the options were mortality fees, so I’m hoping you can tell me what the others are. Thanks!!


Will auto insurance company pursue at fault driver if damages are less then deductible but I pay deductible?

I was rear-ended. Other driver found at fault. The damages will probably be in the $700-900 range and my collision deductible is $1000. I have no problem paying the full $1000 deductible but if I do is my insurance company obligated to pursue the at fault driver and recover on my behalf?


Do I need to get life insurance?

Right now I’m 26. The only debts I had were my student loans which most of it been paid off. I only have about $3000 or so in payments left. There were no cosigners due to the fact it was a federal loan. And I have a car lease, no mortage I rent. I’m currently single with no children or any debt that involves any co-signers. Im pretty sure I have no real reason to purchase life insurance but I could be wrong.


Do I need a drivers insurance?

I have my learner’s permit and I live in California…. My parents have Triple A insurance as their auto insurance company and I was wondering if I have to have insurance in order to drive the car…. or do I get added when I get my drivers’ license?

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes

My insurance and buying a new car?

Ok so I’ve been recently driving for more than 2 years and i haven’t been in any accidents (knock on wood) and I’ve been looking into buying a new car (current car is 22 years old). Buuuuut my dad told me since that we’re with Mercury insurance, i have to wait a total or estimate of three years to buy a new car without my insurance going through the roof. Do i really have to wait another year to buy my car???? Should i just wait? I plan on buying a 2014 Chevy Cruze 2.0TD


Are there ANY heath insurance companies in the USA that offer affordable for people with big health issues?

to: – I am your hero” . . Free from 2014??? That Would be nice….But hard to believe.”


Purchasing car insurance?

I want to find an online quote to see how much I may be paying for future auto insurance. But some sites ask for vehicle information. I haven’t bought the car yet. But don’t you need proof of insurance in order to purchase a car? I’m confused. How do I go about this?


How does insurance work?

From my understanding of insurance you send money once a month, a deductible is what I believe it is called… Correct me if I am wrong SO really, you pay insurance companies a couple hundred dollars a month, and then it covers your hospital bill. ANd even if you are constantly sick and constantly visiting the ER, your insurance covers it. Then where does the money come from? Why the hell are hospital bills so expensive without insurance… ANd if it is that simple…. WHY DOESNT everyone get insurance? HOW DOES IT WORK?!?”

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


STBXW and life insurance…?

Ok peep this. My stbxw wants it written in our divorce stipulation that I maintain life insurance for my child for the rest of my life. Not just until she is emmancipated. Who is she to dictate my life? Would any of you agree to this? Once my daughter is grown and an adult, she will need to be responsible for caring for herself. i am not saying I would not do it it, or leave my daughter her inheritance. I will do that in fact. But the fact she wants it in the papers. It does not belong there. What are your thoughts?


Car insurance?

I have reported to the insurance co and the police.


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.


I know nothing about car insurance. Help?

I’m 18 y.o. and I have no idea what to do first- buy a car or get insurance..I’ve heard that you cant buy a car without insurance, but when i went to buy insurance it asked me what kind of car I wanted it for. ?? What to do first-?


LA area car insurance?

My friend is letting me use her car for about a year and she wants to make sure I’m under her car insurance, too. (and I pay for my portion of car insurance for borrowing her car) She took my driver’s license to have her car insurance company list me under her name. AND IT’S TAKING MORE THAN TWO WEEKS she told me that the insurance company have to contact her and let her know what’s up.. but in my common sense, it only takes like ten minutes to list a person under someone’s policy. Is this true because I’m not a related family member of hers or is she up to something suspicious?


What company offers the cheapest motorcycle insurance in Toronto?

I Want to buy a motorcycle around $ 5000 and wondering how much would be the insurance for the following motorcycles 2006-2009 Honda CBR RR 600 2006-2009 Honda CBR 125 How can I be able to get discount on my premium. I have a full M licence with no accidents for like 2 years. I live on Dufferin st close to bloor and I am 25 years old male Serious replies only please because having a car is too expensive for me.


Is NAA insurance a scam?

I am in the process of being a rep for the company. But tonight i read some nasty stuff on the net. I was wondering if any past or present sales reps could give me advice.


My brother met with an accident due to another driver’s negligence. Please suggest me a personal injury lawyer in Fort Lauderdale, Florida.?

I live in Fort Lauderdale, FL with my family. I was going somewhere from my bike but suddenly a car hit me and then I suffered serious injuries on my body. I don’t have any strong proof to file a case against the car driver except two people to certify the accident. Now the owner of car is not paying me money & insurance company is asking for proof. I want to hire a personal injury attorney to fight a case for me and want compensation money.


How does insurance work?

From my understanding of insurance you send money once a month, a deductible is what I believe it is called… Correct me if I am wrong SO really, you pay insurance companies a couple hundred dollars a month, and then it covers your hospital bill. ANd even if you are constantly sick and constantly visiting the ER, your insurance covers it. Then where does the money come from? Why the hell are hospital bills so expensive without insurance… ANd if it is that simple…. WHY DOESNT everyone get insurance? HOW DOES IT WORK?!?”

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


How much is motorbike insurance?

I am 25, about to get my first 750cc bike, I have no previous experience, living in London how much is my motorbike insurance likely to be? Just want a rough idea, as I don’t have a bike yet so can’t get a quote.


What is the average insurance cost for Mopeds/Scooters?

Im 18 and im looking to buy a moped or scooter and im just wondering what I should expect to pay on insurance. 50cc/125cc – 3rd Party. If I was to pay monthly, would £20/month be a reasonable estimate?


Where can I get an honest auto insurance quote?

Hi I was wondering if anybody could point me in the direction of a website that gives honest auto insurance quotes? I have been looking to get an auto insurance quote online for quite some time now but most of the websites look like scams to me…. Thanks in advance!! -David


Bikers: Which cheap bike(125cc?) would be suitable for a new rider who just wants cheap travel and insurance?

Hi all I’m thinking of getting a bike but I know little about them. Can you recommend a model (and age) of bike to go for? I want it to be fairly economical and cheap to tax and insure. Also, roughly how much would I expect to spend: To buy it? Per year in maintenance?


Insurance – fire station – price affect?

Just wanted to check if i heard the right thing? We have a fir station within a mile, home insurance gets low and we get a lower quote? Pls gv me details.


Classic (1964-1972) Mustang Reliability/Maintenance/Insura…

Hi guys, I am looking to get a classic mustang convertible as my first car/college car. Is this a good idea? I know its not the most reliable, but for the kind of money I have I think it is the coolest and most fun car I can buy. What are the reliability/maintenance/insurance like? thank you!


Recovery/treatment dates for disability insurance?

If someone was never treated for borderline hypertension, they just controlled it with diet without any input from a doctor, what can be used as recovery” and “last treatment” dates? Could it be when the patient’s current physician first had their blood pressure measured and it was normal?”


What is an affordable health insurance plan that will include mental health coverage and prescriptions?

What is an affordable health insurance plan that will include mental health coverage and prescriptions?

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


Why is the tripling of insurance premiums called Affordable Health Care”?”

I got a letter from my health insurance company that my current policy (which I was just fine with) would be cancelled in 2014 and if I did nothing I would automatically be changed over to a new one where the monthly premiums will nearly triple. Now I’ll probably just have to have no health insurance and pay the fine so some welfare case who I don’t even know can have it for free. Is this for real?


Can I suspend my car insurance?

I am 18 years old, male, clean driving record, good student, going to college. I will only be going home for occasional weekends, and vacations, and I would like to be insured so I can drive my car (saturn 2000 sl) around. I want to have coverage when I need it, but don’t want to pay for a whole year of car insurance. I do not know a lot about car insurance but, Is it possible to just call up my car insurance company (MetLife) whenever I want and suspend or unsuspend my car insurance? This way I don’t have to pay for a whole year of car insurance when i am only using it for weekends, week breaks, or winter and summer vacations (probably 5 months per year). Is this a normal practice? Thanks!!


What is a carrier ID and Medicaid ID when it comes to insurance?

I am filling out an application for a dental office and it asks for insurance info, etc. then it asks for carrier ID and Medicaid ID. I’m not sure what these are or where I would get them. Is that information relating to the insurance company, my employer, or what?


Home insurance Company?

Hello people…… Recently my friend’s house got on fire and his landlord said; she will sue him in Court, and the insurance company is sending him a letter for the cost of damages that been occurred to the house. Now can the insurance company take him to the Court without any prove or evidence?? And can he neglecting letters from the insurance company or shall he call them or what is the best way…… Thank you guys for helping



BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes

Would insurance cost alot?

would insurance for a acura tl 03 be alot? gonna be 17 or 06 tahoe 06 explorer 08 honda civic or accord?


How does insurance work?

From my understanding of insurance you send money once a month, a deductible is what I believe it is called… Correct me if I am wrong SO really, you pay insurance companies a couple hundred dollars a month, and then it covers your hospital bill. ANd even if you are constantly sick and constantly visiting the ER, your insurance covers it. Then where does the money come from? Why the hell are hospital bills so expensive without insurance… ANd if it is that simple…. WHY DOESNT everyone get insurance? HOW DOES IT WORK?!?”


I got a speeding ticket in Indiana, but I live in California?

I plan on paying the ticket (Indiana court told me to send $138), but I want to know if I need to go to traffic school? If not, does a record go on my California license and my insurance would go up?


For Home Owner Insurance purposes, is an unfinised basement included in total square footage of the house?

Are Insurance company underwriters not supposed to include unfinished living areas of the house when determing my total square footage of house for replace cost purposes? My premium went up even though the home inspector from Allstate did not know I had part of my house that is unfinished. I was not home at the time when he did this home based underwriting square footage procedure.

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


What is insurance likely to run me on these bikes?

I am 20 years old, have about a year of car insurance so far but the car is messed up and I plan to get a motorcycle (hopefully). I have taken the MSF course and passed. I have not had any tickets or accidents either, clean as a whistle. I am looking into a small bike like the 250 ninja, vulcan 500, or the V-star 650. About how much should I expect to pay?


Cheap insurance?

cheap insurance


Annuities and Life Insurance?

Say I bought a $10,000 10 year deferred annuity or term life insurance policy with $100 a month premiums could I turn around and sell my future payout right after I buy the annuity or policy? My theory is that if I can make a few thousand off the sale of my future earnings I could invest the proceeds to make money and pay off the rest of the premiums.


What would be a great (cheap) beginner motorcycle for a 16 year old?

I have been looking at a 1982 honda nighthawk 450 with 13k miles on it tht was in decent shape tht i could probably get it for 900$ (and i found out insurance would be 125$ a year)…..i want to broaden my search and i was wondering if there are any other bikes out there that are good beginner bikes that are cheap (not AT ALL more than 1200$)


How does car insurance work? do u have to pay for it monthly?

i’m buying my first car and am confused as to how car insurance works. i know its better to have insurance before driving your car off the lot but how does insurance work? do you pay insurance monthly liek you do for a car note?


Insurance cost for a 19/yo for a GT40 kit car?

My dad’s friend had a GT40 kit car that he might be selling me, i’m 16 now but I’m thinking of buying it in about 4/5 years time (I like to think ahead), so when i’m about 19/20, would the insurance be ridiculous becasue it’s got a 5 litre engine so normally it would be but i’m not sure if it being a kit car would lower the insurance or not? The GT40 is one of these by the way: http://www.tornadosportscars.com/MainPag… Thanks.


I’m a 17 year old, I have to pay my own car insurance. What’s the cheapest? Can you give me your rates? (:?

I’m specifically asking teens, 17-23, who pay their OWN insurance. My mom isn’t going to include me on hers, so I’m on my own. Give me some rates! How much do you pay? Monthly/yearly, and HOW do you pay it? Every 3 months, monthly, or yearly? THANKS!


Car insurance rate (red light ticket!)?

Sorry if this is too long, but i really need help! I just got a ticket for turning right on red w/o stopping in WA state. i googled and know that insurance companies don’t often check driving record. unless when you make some change to your policy, make a claim or every 2 renewal cycles? my questions are: -How long does it take for my insurance company to notice this if i don’t make any changes to my policy or make a claim within 3 yrs (this will stay on my record for 3 yrs right?)??? -Usually how long is ONE renewal cycle in car insurance? -If i tick the mitgation hearing option, and explain the infraction to the judge and he/she reduce my penalty, Does that mean the record will stay on me shorter? the penalty money will reduced? and hopeful insurance company will not increase my rate? -I am a student and I am cover under my dad’s insurance, so if they increase my rate, does that mean the whole amount of premium increase or just my part? PS: if this help, my insurance company is American Family Insurance. I just switch to it 3 months ago.


Best health insurance for babies?

Hi everyone I am 24 and kind of new to this. I’m pregnant with my first child and I would like to know what would be the best insurance for my newborn and when I should apply for it. I currently have insurance through my job and its great the only thing is I’m not considered full time so if I put the baby under my insurance there goes half of my paycheck. It is the same for the baby’s father. I have a loooong way to go before my due date but I like to be prepared when it comes to things like this because it is very important to me. If there is anyone out there who has a good place to choose I’m all ears!

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


I’m confused about car insurance process?

Does any body know if it’s standard for the other person car insurance company to know the social security number of the not at fault person? Also, can they deny paying all the medical bills for the accident? Thanks for your inputs.


How does insurance work?

From my understanding of insurance you send money once a month, a deductible is what I believe it is called… Correct me if I am wrong SO really, you pay insurance companies a couple hundred dollars a month, and then it covers your hospital bill. ANd even if you are constantly sick and constantly visiting the ER, your insurance covers it. Then where does the money come from? Why the hell are hospital bills so expensive without insurance… ANd if it is that simple…. WHY DOESNT everyone get insurance? HOW DOES IT WORK?!?”


Car Insurance questions for quotes?

on insurance websites where they do lots of quotes from different insurers, the question they ask bout your licence is what type is it, ie full or provisional or full or automatic etc and how long have you had your licence. On the norwich union website, it specifies that it wants you to say how long you have held a licence from the time you got your provisional licence. The others dont say whether this is what they are asking or not. Ive had a provisional licence for 18 years, but when I pass my test (hopefully this month) I will then have had a full licences for less than a year. What answer should I give for the question, how long have you held a licence? Its not clear on the websites….


How much life insurance do I need? How long?

Hi, I am 31, married, in decent health (don’t smoke). No kids, but planning for one next year. How much life insurance do I need? Thinking about a term policy for $500,000, but not sure if I need it for 10, 20 or 30 years? Any advice much appreciated. Annual income is the $100,000 range. Thanks.


Getting 2011 car, all insurance quotes are over $300 Can i put my mom down as primary driver if its in my name?

The reason why its so expensive is because im only 19. i know she has a safe driving record which will help me save so much money. I’ll be lucky to have gotten this car but i wont be able to afford my payments if insurance is that high. So can i own the car without being the primary driver on insurance to help save costs?


Is a 1990 Miata MX-5 a good car for a first time driver?

I’m shopping around for different cars and i fell in love with this adorable Miata. Its bright red and it the perfect size and I think my parents would be happy with it since they want me to get a 2 seater. But would you say this is a good car for a first time driver. Also, its priced at 3500 is that expensive for a first car?


Can you keep your old insurance if your getting a new car?

I have to get a new car (old car broke down and it will cost more to get it fixed than what’s its worth) and I just paid my insurance for my old car this month. I was wondering if there was anyway I could keep my old insurance and just have them switch the car information for free since I JUST paid for the insurance not even 5 days ago?


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