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Insurance Services Kenora Ontario Insurance Services Looking for Kenora ON insurance services Find Kenora insurance adjusters and appraisers Kenora insurance carriers brokers agents and information on

More Health Insurance is Not the Answer: When someone else pays ...

(John Stossel)

hu, 09 Jul 2009 16:00:00 GM

That's what health . insurance. does to medical care. Patients rarely even ask what anything costs. Doctors often don't know. Often nobody even gives a damn. Patients rarely ask, "Is that MRI really necessary? Is there a cheaper place? ...

How long does it take an insurance company to issue an automobile insurance policy after receiving deposit?
Q. I've been with the same company almost five years. My car insurance is renewed every six months, after I make the required renewal deposit. Like clockwork, I receive the new payment coupons, and temporary insurance card. However, I don't get the permanent insurance card and new policy stating the value of my vehicle, until almost a month later. Sometimes longer. Is this legal? If so, why does it take so long for the agent to issue the new policy, and how will this effect me if I ever disagree with what's in the policy? P.S. I'm not referring to how soon the new insurance is "effective", I'm referring to how soon the new policy is "received". To my knowledge, the policy is renewed immediately for six months after I make the deposit, even… [cont.]
Asked by A.J. - Wed Mar 14 04:30:19 2007 - - 5 Answers - 0 Comments

A. Well for one your first payment is not a deposit. It s a down payment or first payment, a deposit would imply that the money is being put up only to hold something or until further approval and that you have some right to a refund. With regards to insurance you have no right to any monies back from your first payment unless the policy is flat canceled, and then you would be entitled to any unearned premium less any fees from that payment. Depending on the State in which your policy is written a carrier can have up to 90 days to send you a Policy Declaration Page and Policy but this is not normal practice with most carriers. Most will try and get those to you with-in a few days of issuance of the policy or as quickly as they can. Your… [cont.]
Answered by deanspurrier - Wed Mar 14 09:57:17 2007