NLIC.org

Sherri Said:

How do insurance companies find out when you get a speeding ticket?

We Answered:

The insurance company runs a report called CLUE through various reporting agencies. Once in a while an accident may slip through, but it's highly unlikely. The best strategy to have it to tell your agent exactly what is on your record so that he/she can best place your coverage.

Franklin Said:

how do find insurance companies that will insured and bond a non medical home care business for senior citizen

We Answered:

What's a hpemacre?

If you're performing services you're not licensed for, insurance isn't going to cover that.

You need to talk to a local, independent agent, to figure out what you need, what you can get, and how much it's going to cost you.

Hazel Said:

Where can I find Insurance Companies that hire nurses?

We Answered:

All insurance companies are hiring nurses!!!! Check the ones doing business in your state. www.cigna.com or www.bcbs.com www.aetna.com . good luck

Miguel Said:

If I do NOT have health insurance but I have been to a doctor, how do health insurance companies find this out?

We Answered:

http://www.mib.com/
This is the link to MIB or medical information bureau.

You can request your medical records for free. My understanding that if you have applied for any kind of insurance (medical/life/disability) w/in the last 10 years, that information will be on there.

It is better to disclose all on your application. Unless you have a heart condition, circulatory disease, blood disorder, cancer or stroke, most likely ok. All applications ask this and will automatically deny you if you have.

But if it states, have you been treated or diagnosed w/in the last 5 years for anything, you better disclose it now;;;;;most likely will not affect anything, but if you fail to do so and later treat for it, they will get all of your records and find out you lied. Then you will find out that no;;;;;company will insure you when you least expect it.

BTW; Lets say you go to ER or any doctor out there, especially the 1st time, they make you fill out an application which has a long list that you could check off, or when you talk to the Doctor, you state I went to the urgent care for such and such. Guess what the Doctor will note this to his records.

During this health care reform that is going on now. Many people complained they had insurance for years, but get serious illness where the insurance denys treatment, since they went thu their records and found out that maybe 10 years ago they saw a doctor about this and now state pre-existing. Do you want to take that chance when you need insurance the most?

good luck

Nathaniel Said:

How to find insurance companies for joint ventures?

We Answered:

Well, if it's a new venture, you're not going to find an insurance company who will write it directly, so your choice is either use a broker, or don't get insurance.

Most of the direct writers don't have the capacity or flexibility for large commercial accounts.