What is the type of insurance that covers bodily injury and property damage to others?
Q. 1: What is the type of insurance that covers bodily injury and property damage to others? liability uninsured motorist comprehensive collision 2: What is the type of insurance that covers you when you are injured by a hit and run driver? liability uninsured motorist comprehensive collision 3: Insurance is based on the concept of ___ and ___ profit and loss risk and loss risk and return profit and cars 4: Which type of insurance is usually required if you finance your car purchase? Medical Payment Insurance Towing Insurance Rental Insurance Collision and Comprehensive Insurance 5: Which of the following is not a way that a teenager can save money on insurance? Getting on his or her parents' policy Getting good… [cont.]
Asked by dudefornow14 - Tue May 13 12:15:17 2008 - - 2 Answers - 1 Comments

A. I didn't study for this test (haha) 1-Liability 2-Uninsured motorist if you were a pedestrian Collision if it's a hit&run in your car 3-Risk & Loss 4-Comp & Collision 5-Driving penalties 6-All of them
Answered by Tori - Wed May 14 11:04:23 2008

How does the insurance company find out about moving violations?
Q. My understanding is that when you get a moving violation (e.g, a speeding ticket), the police or the courts or whoever will notify your insurance company. When your insurance company finds out and finds out about the points that are now on your license, they raise your insurance premium. However, a friend tells me that he's received several speeding tickets, that his insurance company has never found out (meaning no one is notifying his insurance company), and that his premium has therefore never gone up. How is that possible?
Asked by fgeel - Mon Sep 3 14:50:38 2007 - - 7 Answers - 2 Comments

A. hes got to be lying or had lawyer take his tickets to court and won! tickets are sent to the states motor vechicle division, thats how they find out about your tickets! TC GL :-)
Answered by craig m - Mon Sep 3 14:57:04 2007

Will an insurance company insure our home if there is a unpermitted cottage?
Q. I'm in the process of buying a foreclosure home (Saratoga,CA, can't transfer the insurance since it has already lapsed) that has a detached unpermitted cottage (2 bedrooms, kitchen, bathroom and living room total of 900 sq ft), the main home also has a unpermitted converted garage that is used as a in law quarter (separate entrance and full bathroom), it also has a unpermitted sun room too. I really love the home and tried looking for home insurance but it looks like no one will insure me. Is there anyway I can get insured for this property without having to lie about these unpermitted additions to the insurance company? Any advice would be appreciated and any suggestions which insurance company would insure me for a reasonable price.… [cont.]
Asked by Happy - Thu Sep 13 01:46:21 2007 - - 2 Answers - 1 Comments

A. I think you should go to the local building department (city or county) and apply for as built permits for these unpermitted structures. Although costly, it's better than Code Enforcement coming by, realizing that those additions/properties are unpermitted and going to court, seeking an injunction to have you (1) obtain as-built permits or (2) having them torn down. It is more expensive to have Code Enforcement come in and seek relief from the courts (assuming you don't comply and apply for as built permits) because you may have to pay their attorneys' fees when they win. I believe you apply for as built permits from the Building Department in the city. Make sure you're in the incorporated portion of the city, otherwise you'll have to… [cont.]
Answered by Princess Leia - Fri Sep 14 14:12:15 2007

What kind of insurance do insurance companies need to buy for their own company?
Q. I want to start an insurance company, but I need to know what kind of insurance I need to purchase for my own company. I have done research and can't find this. (Please do not tell me how to start one, or anything else besides what insurance I need, if any.)
Asked by Twig - Sun Jun 1 00:23:12 2008 - - 3 Answers - 0 Comments

A. Do you want to start an insurance company or an insurance agency? There is a difference. I'm guessing you want to start an agency because if you had the millions of dollars needed to start an insurance company you'd have the knowledge already or at least the money to hire someone who knew. For an agency you'll need E & O insurance. Also, depending on your situation you'll need a business general liability and property coverage. You'll need business auto or at least a business classification on your auto insurance if you have vehicles. If you hire someone you'll need workman's comp and possibly health insurance, disability, etc. for the employees.
Answered by Zarnev - Sun Jun 1 01:17:58 2008

What insurance is needed for casual outside workers?
Q. We live on acreage in Brisbane and need quite a lot of outside work done. Things like brushcutting, weed spraying, gardening, scrub clearing etc We would supply tools and materials etc so the job would suit an unemployed person or a student. What if they are hurt in some way while doing the work? Do we need to take out insurance for them? If so, what type of insurance is it and who should we get it from? I'm pretty sure that normal workers compensation insurance doesn't apply to workers who are employed by householders.
Asked by Ozmaniac - Wed Apr 22 23:21:07 2009 - - 1 Answers - 1 Comments

A. Try liability insurance or a cafeteria type insurance plan for insuring your casual outside workers or see if your home owners policy would cover it.
Answered by Persephone - Wed Apr 22 23:26:21 2009

What reputable health insurance companies are out there?
Q. My mom doesn't have health insurance and my job doesn't give insurance to family members. I would like to pay monthly to a health insurance company so my mom could get health check up when she needs it. Do you know any health insurance companies that can accept low monthly payments since I don't get paid that much? We live in northern california.
Asked by LOVER - Wed Apr 1 21:05:43 2009 - - 8 Answers - 0 Comments

A. Well, if she's 40 and perfectly healthy, it's going to cost her about $500 a month to have a low/no deductible plan that covers checkups. You BUY it on a month to month basis. If you want low monthly payments, you have to cut the coverage - like take a $10,000 deductible. Or higher. That would cut payments down to maybe $200 a month or less. The older she is, the less healthy she is, the more it costs. Your best bet, is to find a local, independent agent, who can help you balance cost with coverage.
Answered by mbrcatz - Wed Apr 1 22:11:43 2009

What are some insurance companies that offer insurance if you become disabled due to accident?
Q. Hello everyone. I have life insurance and accidental death insurance, but I am looking for a company that offers insurance for money if you get injured in an accident and become disabled. I show horses and ride often. I am looking for something that would protect my family in case of a disabeling injury. Please only serious answers. Please don't suggest yahoo or google...I am looking for actual companies. God bless!
Asked by demongelding1@hotmail.com - Mon Apr 2 17:16:02 2007 - - 5 Answers - 1 Comments

A. Disability coverage for someone who rides horses for a living? OUCH, it's going to be expensive. Your BEST bet is to contact a local independent agent, because not all companies write insurance in all states, and have them shop this out. It's going to be really, really expensive. I'm thinking, $1,000 to $2500 a month, if you're under 40 and in great health right now.
Answered by mbrcatz - Mon Apr 2 18:28:36 2007

What the insurance will do if the two parties of the car accident all have policy with the same insurer?
Q. I had a car accident and I believe it was third party's fault. However, the third party and I have policy from the same insurance company. The legal insurance is same as well. What should I do to make sure that the insurance would act without interest conflict? If I use different legal firm, will it be better?
Asked by confuser - Thu Nov 1 13:41:23 2007 - - 13 Answers - 1 Comments

A. You have one advantage in that the insurance company will have both people's versions of the incident and be able to better apportion liability quickly. They should advise you of the conflict of interest under FSA rules. The fact that you are insured with the same insurer does not affect your rights under contract (they must repair your car if you have comprehensive cover) nor does it affect the other driver's rights under contract (the insurance company must pay damages you claim against him - under the liability section, if they think he is at fault). Hopefully the insurance company will quickly decide on who is at fault and pay you your uninsured losses (excess, loss of earnings, injury etc). If not then you will have to look at the… [cont.]
Answered by welcome news - Fri Nov 2 10:29:51 2007

What auto insurance company has cheap rates for adding a 16 year old first-time driver to an insurance plan?
Q. We live in Florida, and my son has just turned 16, He wants to get his licenses but we don't want our insurance to go up too much. From what I hear it is very expensive, yet i hear other people saying that some auto insurance company's have very cheap rates for adding a first time driver. So if there are any other parents that know of a company that they use that is pretty cheap please let me know. Thank you. Yes we are planing on "adding" him to our plan.
Asked by Jesus V - Fri Jan 16 12:54:15 2009 - - 6 Answers - 1 Comments

A. I recommend you locate a local car insurance agent to help. Since I live in Kentucky I can't suggest an agent in Florida, but here is an website that can help you. Good Luck!
Answered by mariko m - Fri Jan 16 21:15:04 2009

With the high cost of insurance and the low home values is it worth losing your home to carry medical insuranc?
Q. Which would you chose; to go in debt to pay for insurance in case something happens so you do not lose your home? Or not pay for insurance and hope to god nothing happens bad enough to make you lose your home anyway by not having insurance? If you had to pay your insurance and do not currently how would this affect you, and what would you do?
Asked by who's sane - Thu Feb 12 22:33:20 2009 - - 5 Answers - 1 Comments

A. Insurance of all kinds is a gamble. You are trying to protect yourself from a "bad" event. Often when that bad event happens the Insurance Companies do their best not to offset your loss by denying your claim on a technicality. This is true of all Insurance of all kinds. Blue Sheild of California has just lost a court battle for canceling policies on technicalities as soon as a policy holder needed the coverage to cover an illness or injury. They must reinstate thousands of such policies and reimburse those clinents for their out of pocket expenses. But while they battled it out in court how many of those policy holders lost everything because they did not have the money to pay those medical bills they thought they were protected form? How… [cont.]
Answered by PrivacyNowPlease! - Fri Feb 13 11:13:27 2009

When I use insurance to fill a prescription does insurance send my prescription information to me in the mail?
Q. I recently filled my prescriptions, and used my insurance (Aetna) to do so, and I was wondering, will my prescription info be sent to me in the mail? Like will I get a bill explaining what they paid? And will it be Itemized? And Can they raise my insurance because of it?
Asked by J B - Thu Jun 25 12:32:43 2009 - - 2 Answers - 1 Comments

A. The drug and health condition for which it was prescribed will be sent to your insurance company for reimbursement purposes. The insurance company will have information (such as diagnosis and treatment) relating to payment of your claim, which was sent by the pharmacy and doctor's office. The information that will be mailed to you will be called an explanation of benefits, or EOB. This will not be a bill. This will show the doctor's or pharmacy's charges, and what amounts you will be responsible for. If you have any specific questions, contact your insurance company. The number is often listed on the back of your insurance card. Your insurance premium (how much you pay per month) cannot be raised during the contract period. Once the policy… [cont.]
Answered by Aspasia - Thu Jun 25 20:29:05 2009

What insurance agency has the cheapest rates for full coverage car insurance?
Q. I need some cheap full coverage car insurance if you know a company that has cheap rates let me know please!
Asked by TINKY TOT - Thu Jul 17 10:41:38 2008 - - 12 Answers - 3 Comments

A. I was able to save money through a free on-line quoting service at They had several links. All I did was fill out their quote request and received back a lot better rates then what I was paying. I would suggest you try more than one quote before you settle with anyone, the service is free and there's no obligation so you might as well try it. Here's some others from my bookmarks:
Answered by banana - Fri Jul 18 19:08:07 2008

What insurance company is good for renter's insurance?
Q. I would like to purchase renter's insurance and would like to know some good companies, with good rates and coverage. Thanks! Best Answer received 10 points.
Asked by Bree Bree - Sat Aug 23 16:41:24 2008 - - 4 Answers - 0 Comments

A. The first thing I'd do is call the company you currently insure your car with. Most companies give you a discount if you have more than one type of insurance with them. If your auto insurer doesn't offer renter's insurance you may want to call companies that offer both and get quotes for both. You may save some nice money that way. In general, though, State Farm, Allstate, Amica and Liberty Mutual are just a few companies with good rates and good reputations. I worked for State Farm for 15 years and was always very pleased with the policy, rates and the service. Some tips: * Your main coverages are the coverage on your personal property, or contents, and your personal liability coverage. * Get quotes in writing from a few… [cont.]
Answered by Wendy S - Sat Aug 23 17:22:18 2008

What is that Insurance commercial with the man and woman having an conversation?
Q. I am asking for someone else, but I was wondering what was that insurance commercial when the insurance man calls the woman to tell her that her payments where later and later, then she completely stopped paying, I know someone who wants this insurance, but can't think of the name of the company.
Asked by Pro Gamer - Wed Jul 18 02:45:23 2007 - - 1 Answers - 0 Comments

A. If you and I are thinking of the same commercial, I think that it was for a debt consolidation company. I'm not sure which one.
Answered by TEA - Wed Jul 18 15:19:23 2007

What is gap insurance usually labeled on the actual insurance policy paper?
Q. How do I know if I have gap insurance by looking at my insurance policy? I have Travelers, if that helps.
Asked by CMDS - Thu Jul 23 14:22:05 2009 - - 2 Answers - 0 Comments

A. It will be listed as "GAP Coverage" under additional coverages if you have applied for it when you started your policy.
Answered by oklatom - Thu Jul 23 14:28:22 2009

Where do car insurance companies get your driving record in CA?
Q. I hit a guys bumper while driving a company car a couple of years ago and I thought he filed a claim but the company took care of it and I never heard about it again. I'm getting car insurance and I pulled my driving record from the DMV and all I have is a seatbelt violation but no accidents. Is there another database somewhere that insurance companies will check or is it just your DMV record? Maybe this all got settled without insurance intervention and I dont' want to pay higher fees if its not necessary. Am I in the clear?
Asked by True2it - Mon Dec 10 16:40:30 2007 - - 6 Answers - 1 Comments

A. Was a citation issued at the time of the accident? If not, it won't show up in the MVD. The insurance industry also has something similar to a credit report, called the CLUE report that lists past property and casualty claims made by you. That is used as well in determining your insurability.
Answered by Scott H - Mon Dec 10 17:17:53 2007

How do we get insurance companies to reduce medical insurance premiums to employers?
Q. Let's face it, here in the U.S. the medical insurance premiums for group health coverage is rising faster than inflation. As a result, a lot of companies are either reducing the levels of coverage in order to offset the cost of insurance, increasing the deductible, and or increasing the cost to the employees for the insurance premiums. The problem is that insurance companies have no incentive to reduce insurance premiums. They continue to get record profits and this issue is out of control. How do we get the insurance companies to decrease insurance premiums to the rate of inflation, or better yet, start reducing the cost of premiums for a change?
Asked by Searcher's Curious Account - Fri Sep 29 00:03:41 2006 - - 4 Answers - 0 Comments

A. As an insurance agent and previous benefits coordinator, I cannot agree more with your concern. The cost of medical premiums are at an all time high. Even worse though, is individual coverage. Insurance companies, like BlueCross, have the right to exclude a pre-existing medical condition (rider) of an applicant. I cannot tell you how many times a day I hear people say, "if they aren't going to cover my medical issue, what's the point of having insurance?!". I fear it's only a matter of time before insurance companies can place the same riders on employees covered under group plans. I don't have an answer to your question that is realistic, but I definitely agree it's time something is done to regulate the costs and coverages. The only… [cont.]
Answered by Choochie Larue - Fri Sep 29 00:23:31 2006

What percentage of insurance premiums are ever paid out by insurance companies to their customers?
Q. Considering that the insurance industry uses the government to force people to buy their product and frequently advertises on TV, it doesn't seem like a very high percentage of premiums are paid out. Does the insurance industry pay out even half of its revenues in claims? A quarter? 10 percent?
Asked by Brad - Sun Jun 7 20:13:04 2009 - - 4 Answers - 0 Comments

A. Wait, you're confusing two things - REVENUES, which means, total income, and PREMIUMS, which is income derived from selling policies. Here's the industry average payout, on $1 of PREMIUM dollars: Health insurance - $.99 Auto insurance - $1.12 Homeownrs insurance - $.87 Workers comp - $1.42 Property insurance (nonhomeowners, nonauto) - $.67 Life insurance - $.65 MOST of it's "revenue" is made from investment income on the reserves - NOT from selling the actual policy.
Answered by mbrcatz - Sun Jun 7 22:47:46 2009

Personal and public liability insurance - Is it possible to get a combined policy?
Q. I'm about to set up a small sole trader business in the UK making furniture and I am going to be moving into a small industrial unit which I will be renting. I have been advised by the people who are renting out the unit that I need to get personal and public liability insurance. I have done a few searches on the internet but I can't see any companies that have a combined policy. In other words it seems I have to get two seperate insurance policies for personal and public insurance. Is this right? Or is it the case that public liability also includes personal liability.
Asked by Antony G - Thu Jul 12 10:01:06 2007 - - 5 Answers - 0 Comments

A. OK, I filter to US Only questions (not english only) and this came up, so I'm guessing that maybe you're not going to get many UK answers. Here in the US, and most of the rest of the world, it's true - there are TWO different kinds of liability - personal, and business. "Public" is a misnomer - public can be either personal, or business. Or maybe it's just a UK way to say 'business'. But, you CANNOT combine the two. The rating basis and coverages are WILDLY divergent. Business liability does NOT include personal liability, but it DOES extend coverage, to some extent, over employees in the course of employment. With exclusions, of course.
Answered by mbrcatz - Thu Jul 12 12:41:08 2007

How much is homeowners insurance in IL for townhome that's not covered by the common insurance?
Q. I'm planning to purchase a townhome and the assessments does include common insurance. I've been told it doesn't protect any misc assets I have in my home in case a disaster occurs. I want to factor this into my monthly expense estimates. I'm looking for a purchase price at $200,000. How much should estimate for homeowners insurance? Is it a monthly and annual payment? Thanks
Asked by ghmag - Mon Mar 17 13:07:40 2008 - - 2 Answers - 0 Comments

A. You need to call an insurance company for quotes, start with your auto insurance company & go from there. There are many questions, what does the master policy cover? You would need to read the condo bylaws to find out. Does that policy cover everything attached to the unit or only to the studs? Does it cover anything that you add to or alter in the unit? So, you would purchase a condo policy (HO6 form), you would need to find out from the condo association what you actually need to cover. That would be the dwelling limit you need. Then you need to tell the insurance company how much contents coverage you want (if you had to replace everything you own), then get at least $500,000 liability, $5,000 medical payments & get $50,000 (or… [cont.]
Answered by Sue - Mon Mar 17 15:45:17 2008