Katie Said:Men (esp. age 25-35)--would you date a young woman who is not settled in her career?We Answered:Of course I would. As long as she is a good person and clicked with me. I mean it is rare to get that great job right off the bat and long as you keeping your ahead above water and working towards something better than you have nothing to feel bad about. I have two degrees and working on a post-bacc and still do not have the job I want. Living at your parents house should not be an...
Lawrence Said:Where can I buy an affordable lists?We Answered:state directory
chamber of commerceJacqueline Said:Liberals, instead of directly going to government run health care?We Answered:Law suits costs are such a small percentage of the cost of health care. There are a lot of IF'S.
What happens if the industry doesn't pass along those savings? I have no confidence that the industry just keep the money. Which side of the issue do cons stand on? States rights OR bigger Government. It seems at odds to be for the feds regulating insurance crossing state lines but not competing with them.Tracey Said:What Are Some Legit Health...
Joshua Said:What kind of insurance does a nursing agency in TX need if the staff is only subcontracted employees?We Answered:Yep, Texas is the only state where Workers Comp insurance is not required by law. HOWEVER. If you hire an uninsured sub, then YOU are still on the hoook for the benefits, even if you don't have a policy in place.
So. You can't buy workers comp insurance for just subs. But unless you want to be stuck holding the bag, you will need to require your subs to buy workers comp insurance, AND provide you with proof...
Valerie Said:Can you please fix the last sentence of this last paragraph? Thanks a bunch?We Answered:Do you need to approve this request or will your supervisor's approval suffice?Felix Said:Would you hire me for a call center position if you saw this?We Answered:You have to sell yourself and sell your skills. Its not strictly opinion and when they interview you, they will ask for specific examples anyway, to allow you to provide the facts behind your statements. A lot of what you already have is along the same lines anyway. How is 'maintained professionalism' and 'gained trust' any different to the...
Kirk Said:Can an Insurance agency that has a judgement against me get my tax return?We Answered:Only the government can take money away.
They will not be able to take away your tax refund.
But... do not let that refund sit in your checking account for more than a couple of days after it clears.
I think after 7 days, government money becomes "free" money - don't know the exact rules...Stanley Said:What if the collection agency is not able to collect the money from the charged individual?We Answered:If the condition was pre-determined while still insured, the insurace company has to cover the bill(s). It...
Clayton Said:Does this job from craigslist look legitimate?We Answered:as almost EVERY job on Craigslist is a SCAM without reading your post i can say this one is as well
then after reading all of this it becomes obvious that this is a SCAM .......NO surprise.Violet Said:Has anyone heard of Quick Book?We Answered:NO!
I did the same thing!! Do not do it. They are money grabbers. They will accept anyone just to take your money. I am already with a legit agency that did not charge anything, exept to attend their seminar which was a measley 40bucks. Legit agencies do not charge for...
Danielle Said:Individual Health Insurance- Acceptance?!?We Answered:Most states, you won't get accepted with private health insurance, if you have diabetes. IF your state is a "guaranteed issue" state, and you can look it up in the link below, they're allowed to charge whatever they want, and in some states, exclude coverage for the diabetes. And you can count on it being $1,000 a month, or more, for a diabetic. In other words, they'll price it high enough to cover what they'll have to pay out.Patrick Said:Does anyone know where I can find examples of insurance letters?We...
Peter Said:How do I become an independent travel consultant?We Answered:The only way you're going to be able to do that is to first be an agent with a host agency. In order to get your IATAN credentials you have to have already made $5,000 in a years time booking travel. It's like becoming a real estate broker, you can't become a real estate broker until you've been an agent first.
Plus, you're looking at several thousands of dollars to start up an agency. But, it's all a moot point. Suppliers aren't going to talk to you unless...
Christy Said:in a car accident and other company is screwing me over!We Answered:I would get me an Attorney and I would tell Allied that I am going to do such. You have a cut and dry case.Try to find a good one that does not collect from you unless the Attorney win your case.Kelly Said:Car accident settlement?We Answered:You will get the cost of repairs to your van.
You don't HAVE any injuries, until/unless you go to a doctor to get checked out. So you have no medical bills. You didn't rent a car, so there's no rental...
Jesus Said:auto accident other insurance company wants me to sign a release?We Answered:If you want the other company to pay you then you HAVE to release medical records. No release -- no check. If you want your insurance company to handle the claim just say so. Then you do not have to deal with the other company directly.Charlene Said:Is the general accident insurance company still operational in the uk?We Answered:Depends on the insurance place where you go to.Jackie Said:Can I get full compensation from the insurance company in case of an accident caused by an uninsured driver?We Answered:As long as...
Crystal Said:What is a 'Acord" Homeowner Application?We Answered:It's a brand name. Accord is a corporation that prints standardized insurance forms. Most insurance companies use "Accord" brand forms. Kinda like, Meade brand spiral notebooks.
You fill out the application, and turn it in to the agent who gave it to you. You can probably fax or mail it, too. They will likely be able to submit it to LOTS of different insurance companies to get multiple quotes....
Elizabeth Said:If my insurance agent is not depositing my premium, what is the legal action that can be taken against him?We Answered:You can deposit the premium through any agent or yourself directly. The commission will go directly to the old agent. You can not change the agent unfortunately.
However LIC has since introduced ECS systems and the premium gets debited directly to your chosen bank account. Opt for the same immediately by depositing the request with local LIC office.
If you are Mumbai based contact me on gadiyarsp@yahoo.co.in for any help.Glenda Said:My doctor sent a medical test to a lab not...
Arthur Said:Why don't people like the idea of Universal, government sponsored health care in the US?We Answered:Because the republicans and interest groups are trying to protect their friends in the big medical business who don't want to see their profits cut. Same old story.Kathleen Said:Help PLEASE!! Auto Insurance Question?We Answered:You are lucky, if your insurance is paying you more than KBB price. You definitely have a good insurance company.
Take the money get a new car and have another insurance policy from same company.Monica Said:Why don't people like the idea of universial, government sponcered health care in the US?We Answered:Perhaps we...
Elizabeth Said:What is an affordable car insurance?We Answered:The less it covers, the cheaper it is. The cheaper, the more affordable it is.
Mine is fair, I guess.Derrick Said:Is there any "Affordable" Car insurance for drivers with violations? ?We Answered:Try this site to find an affordable car insurance
http://car-insurance-quo.blogspot.com/
Here you can get quotes from different car insurance companies in your area, its the best way to find an affordable car insurance with a reliable company....
Robin Said:Where can I buy affordable auto insurance?We Answered:safeauto.comBeatrice Said:Do these insurance companies exsist or am I gettin setup?We Answered:It is a pyramid scheme. A better "opportunity" would be to work for a "real" insurance agent setting up appointments for him. You could be paid an hourly wage plus bonuses for appointments and additional bonuses if any sales are made.Judith Said:Which insurance agencies help pay for braces?We Answered:None of them. Agencies sell insurance from COMPANIES.
The most you'll get, is 50%, up to $1500, covered. For a private plan, you'll have to keep it at least...
Douglas Said:What's an affordable insurance company?We Answered:When I was 17 and just started driving, Geico offered me the best rate at the time. Then again, this will all change depending on what car you have, your state, etc. A good idea would be something where you could be put under your parents insurance for the time being, I found that helped keep some of the costs down. One other suggestion, if you have military in the family, is USAA. They are very affordable, but again, you have to have a family member in the military, or you in the military...
Naomi Said:Anyone knows an auto insurance agency that doesn't requires a DL?We Answered:They need a DL# in order to match the premium to the risk they are assuming. A look at your driving record is necessary. They also need to verify that you indeed do have a valid driver's license.Aaron Said:Does anyone know an auto insurance agency that offers affordable insurance to drivers with a bad driving?We Answered:Insurance rates vary SO much from person to person. It's based on some of the following: Age, Sex, Where you live, Your credit score, your driving record, your claims record, whether you're married...
Tommy Said:Looking for a good car insurance agency but not too expensive, any advise ?We Answered:USAA or State Farm.
The rate might've gone up based on the contractual requirements of your financing agreement (if the car is financed) but also based on the cost of repair (if it's something like a Jaguar or BMW)Penny Said:Car insurance claim closed by agency, what if I get another bill?We Answered:Have you signed anything stating that all claims have been paid and no more money will be paid on this claim? If there are legitimate bills resulting from the claim and you haven't signed...
Russell Said:Will there be a new IRS type agency to enforce health care insurance compliance?We Answered:Off to the poky...
Jerry Said:Good insurance agency in the Katy, Tx area for help in finding a home owners ins. that doesn't suck?We Answered:Texas homeowners insurance policies generally suck. Most companies write a very limited form, except for State Farm, which writes a slightly less limited form, and charges you through the nose. Me, I took the State Farm policy.
They all base rates on your credit score, and if you currently have unrepaired damage or a pit bull or trampoline, good luck finding ANYONE to take you.
Having said that, insuranceman here on YA has an agency North Houston, send him...
Mitchell Said:In Massachusetts, what is a better place to work - an insurance company or an insurance agency?We Answered:It's PURELY personal preferance.
I was actually IN MA for my 18 months at a company. Great company, but I decided I didn't LIKE working at a company. I much prefer the agency side of things.Salvador Said:Is anyone or has anyone ever been a agency producer for a insurance company?We Answered:yes, I was a producer for an agency. Farmer's is a company. I can find out what it is like now because I stay in contact with the people...
Dwight Said:Rather than a national heathcare program, why not just make heathcare insurance mandatory?We Answered:There are many at such a poverty level that they can't afford insurance. The homeless, the mentally and physically challenged, and yes, even those who abuse the system are still humans.Kathy Said:how do I market to people to be insterested in buying insurance in todays market?We Answered:That's what it's all about - begging for business. You'll have to knock door to door, make calls, etc. You have to go to them, and MAKE the opportunity - they rarely come to you. It's...
Nathaniel Said:Have any awesome ideas for a Yellow Pages ad for an Insurance company?We Answered:do your client a service...DON'T design a big expensive ad for him. The yellow pages is a collosal waste of advertising money...and I mean ..COLLOSSAL !
You do not need to be in several categories.... you need to be listed in the main category, and in the white pages so you have an alphabetical listing....because most people actually look for there first if they already have an idea who to call...they aren't going to bother flipping through categories.
The yellowpages is NOT advertising..it is a directory and should...
Bobbie Said:Are all insurance agencies commissiom based jobs?We Answered:Zarnev, you are killing me, LOL.
The trick is they take someone who is qualified because they are breathing and they feed them such a line of BS that the recruit actually thinks they are something special, now that takes skill.
If you are interested sales try car sales first, the prospects come to you it is much easier.Claude Said:If we end up with a "public option" after all, what will the government's insurance agency do with its profits?We Answered:The point of the public option is for it to eventually be the only...
Clarence Said:Republicans would any agree if insurance companies are allowed to go into all the states ?We Answered:I'm not a republican...but the real problem is the greed...check out the CEO pay of the health care sector...insurance companies, hospitals, medical suppliers. Millions
Only 70 to 80 percent of the monies collected are used for health care. 20 to 30 percent profit...they are asking for a 9 percent increase this year.
The real issue is...will your health care professionals accept the insurance you select.
Republicans want to start over...they see Obama reforming health care as an accomplishment..they cannot let that...
Patsy Said:What is a fair compensation package for commision % & base for an agent @ a brand new nationwide agency?We Answered:you should get moreArnold Said:The Absense of Justice?We Answered:1. You can't "accidentally" drop someone off their mom's auto policy. She'd have to sign. If it really WAS their accident, you sue them, for 'errors and ommissions'. But it wasn't - or the insurance would have added you back on to avoid that lawsuit.
2. That's normal practice, for collection agencies. NEVER EVER EVER give them access to your account. They will...
Greg Said:What is the best home insurance (in southern america GA, AL, MS, LA any of these) that you found to be best?We Answered:State Farm is the biggest. There is also Allstate, Farmers, Auto Club, ect.
Call the Department of Insurance in your state and ask which companies has the fewest complaints. That is the best place to find out.Christy Said:If Obama gets sick in Copenhagen, will he get treated by them, or we we we all the way home to America?We Answered:I'm sure Obama will get the best of care no matter where he is with...
Ian Said:Does anyone anything about "PRO-america" life insurance?We Answered:Agency? The agency itself is not too important. What is important is the carrier...the company.
Pro-America is in Naples, Florida. Contact your state insurance commissioner for information on that agency.
If they have complaints down there, avoid it.
Please.Louis Said:What is the best and cheapest insurance when renting a car in America?We Answered:Many credit cards offer free collision damage waiver (CDW) insurance. Some offer other insurance for rentals as well. Check with your credit card company to see what protection they may offer for you. Also check with...
Johnny Said:Please, someone explain how surrogacy insurance works?We Answered:healthquotes.awardspace.info - here is my health insurance plan. As I remember they can provide such a service.Stephanie Said:Please, someone explain how surrogacy insurance works?We Answered:It costs $12,000. You pay that much, before the pregnancy occurs. PLUS, you pay the first $15,000 of all medical costs (for a singleton - $30,000 for twins or greater).
So. AFTER you've coughed up $27,000, then the maternity/pregnancy costs are covered.
??? Have you run the numbers? This is just a prepayment plan, with a bit of life insurance built in for...
Rosa Said:Here I am again with a "word" question. No silly answers, please! Did you notice, about ten years ago, or so,We Answered:I agree totally. If you work in any profession for any length of time, you'll notice the "buzz words" that come and go. Someone comes up with a new philosophy, names it something, then everyone jumps on the band wagon and starts promoting that particular philosophy. I think it happens in advertising, too. Anything that is popular just gets overused in many cases....
Norma Said:What do you need to get a licence plate back in Arizona?We Answered:Yes, you need all the things they require to get your plates back. That is the consequences of going 40 in a 25, and not having insurance. If you have a co-signer, that tells me your car is financed, which tells me you are in violation of the requirements of the lender, who told you you needed full coverage insurance with them named as loss payee. Since you didn't have that, they *could* actually require you to pay the full balance, or take your...
Neil Said:Question about a collection agency?We Answered:All those financial applications to the hospital mean nothing. For whatever reason, you did not qualify for a charity program. You usually have to make those arrangements before or right after the services are provided. You may want to keep all that proof just as background but it really has no bearing on the debt and won't help with the collection agency.
As to the collection agency, if the collectors mouth was moving, he was lying. The whole spiel is to get you to send money NOW. Collectors work on...
Kent Said:Could any body please make a legitimate case that we need one more government agency? Much less 111 of them?We Answered:Well, be fair. Where else are we all going to work once Obama taxes the banks out of existence and the private sector collapses? Gotta look to the future, you know.Mario Said:Allstate fraudulently billed me long after I asked for my policy to be canceled. What should I do?We Answered:Provide your agent with a copy of your Geico policy showing the effective date. Ask them in writing to cancel your Allstate policy back to the inception...
Arlene Said:In Ipswich,UK where is the insurance company The New India Assurance Co. is located, and your opinion about itWe Answered:New India Assurance
Fax: (01473) 233625
Crown House Crown Street
Ipswich
IP1 3HSPeggy Said:How to choose the best insurance company?We Answered:Try this website ... very helpful for vehicle insurance..
http://www.americantruckbuyer.com
Regards
Puneet MVincent Said:Which is the Best Insurance Company inUK?We Answered:GeicoRebecca Said:I am trying to locate the company that acquired the "All American Assurance Co of Louisiana?We Answered:The last thing I can find is that All American went to being Philadelphia Life Ins. Company and then into Conseco Life Ins Company Located in Carmel, In. www.conseco.com...
Brenda Said:How to deal with collection agency/account error?We Answered:The problem is that the collection paid a certian amount of money to the clinic to aquire the right to collect from you, so the person who actually owes you the money is the clinic, BUT there is a catch...The collection agency will buy your debt from the clinic at a discount, in hopes of collecting the full amount from you and pocketing the difference for profit.
So, for example, if the collection may have paid the clinic $1,000 for the $1,700 debt and they get the keep the $700 profit. Although...
Judy Said:Bought home in October, Made all payments, then a foreclosure auction notice found on door for previous owner!We Answered:If you had a lawyer call him/her. If not, call the closing agent who issued the title policy. It is most likely that the collection agency was left out of the loop when the mortgage or lien was paid off at the time of sale. Meanwhile look at your closing statement - the "HUD-1." On the first page, right side under "reductions of amount due seller, "there should be an entry showing payment of this very same lien...
Chester Said:How to go for a driving test @DPS with instruction permit (with friends car) in Texas?We Answered:Yeah, you can.
First of all, when i took my driving test, they never ask me anything about who owe the car (my dad's car). So i don't know why they're concerning about a rented car. Anyway, it's fine to use your friend's car as long he/she give you the insurance on that day just in case if they need to do paperwork. Good luck with the test.Sidney Said:Widow of IRS employee killed by Joseph Stack's plane is suing pilot's widow?We Answered:It seems...
Todd Said:NRMA content insurance?We Answered:Generally speaking (because I can't read your policy). If you are a resident of the household property off premises would be covered for theft. However, if the I-Pod was simply lost or misplaced it is not likely to be a covered loss.
But here is the real rub, the policy deductible (or excess) may be higher than the value of the I-Pod touch.
Best way to find out is to check the policy provisions, call your agent or call the company...Travis Said:how much money will i get when i claim my phone insurance?We Answered:none, probably just a new...
Connie Said:Why would auto insurance company ask if I have a platinum credit card? Is having one a good or bad thing. I doWe Answered:They are trying to find out how creditworthy you are. Most insurers use some sort of rating scale or risk scale for people based upon credit scores. People with lower scores will pay more for insurance because the companies seem to think that they pose more risk.Timothy Said:I actidentilly signed up for a Auto insurance quote. Should I be worried?We Answered:No worries.
Those online sites harvest your personal information to sell as leads to hundreds of...
Dawn Said:What book do I study to take the exam to become an auto/home insurance agent in Texas?We Answered:You can buy study materials from IIAT - Independent Insurance Agents of Texas.Leona Said:home and auto insurance?We Answered:State Farm...
Paul Said:WHAT ARE SOME COVERAGE CHARACTERISTICS OF AUTO, HOME, HEALTH, DISABILTY & LIFE INSURANCE?We Answered:Other than the obvious?Christopher Said:Hi, I need to find email newsletters relating to all types of Insurance, life, auto, home, cancer, help? ?We Answered:http://www.insurance.ca.gov
http://www.aipso.com
http://www.aipso.com/links.asp
http://www.insuranceheadlines.com
http://www.statefarm.com
http://www.farmers.com
http://www.aaa.comChristina Said:Anybody used any internet leads for auto, home, life, or disability insurance?We Answered:IMO they are all scams and just a rip off. I have used them all spent thousands of dollars and never really get any where. I have since completely stopped using any sort of lead service. Most of the times these applicatins have claims, young drivers, bad credit and just...
Travis Said:How much does an auto insurance agent make per year?We Answered:Average for someone who LASTS a year, is probably around $50,000 that first year - working 80 hour workweeks.
95% can't earn $500 in six months.
It's very hard work, with a very high washout rates.Lester Said:Want to be an auto insurance agent?We Answered:If you don't plan on selling insurance, you don't need a license. Period.
I just checked the WA state website. You need an APPOINTMENT in order to sell insurance, WITH your license. Apparently you don't need the appointment to GET the...
Irma Said:If you are not happy with an Auto Insurance agency can you transfer to the same company to another agent?We Answered:Yes, I've done this. You keep the same everything. You call the new agency, they'll give you a broker of record letter, and as of the policy renewal date, it will renew with the new agent.Virginia Said:What does without prejudice mean when it comes to an auto insurance agency.?We Answered:This is why I have a replacement transportation rider on my policy. On the 3rd day after reporting theft, I am entitled to a rental even if...
Patsy Said:What courses do you need to take to become an auto insurance agent in California?We Answered:Do you want to be able to sell insurance BESIDES auto? If so, you need the 40 hour class. For auto only, the 20 hour class.Nelson Said:How to become an Auto Insurance agent in California?We Answered:High School Grad,ex football captains and jocks
I've bookmarked this site to go back to...
http://insurance.123thebest.info/
All the best to you.Nicole Said:what is the best way to be an auto insurance agent and get licensed?We Answered:I would call the large carriers, Allstate, State Farm, etc. They will hire...
Tammy Said:What to do when your Auto Insurance Agent calls you up and cries on the phone and threatens you, Do you changeWe Answered:Well, that's not the way I run my insurance agency. It's pretty dumb on his part, but I think it actually helps you.
Here's what probably happened. He probably quoted you a low price, including multi-line discounts for home and life insurance. Then, the underwriters figured out that he didn't actual write homeowners and life insurance on you, and the underwriters are going to raise your rates accordingly. So, he was probably telling you...
Judith Said:whats the second best auto insurance in america?We Answered:The best auto insurance carriers are the ones that have excellent claims-paying abilities.
A.M. Best is an independent rater of insurance companies, and has been doing so for more than 100 years.
A company, or companies, with an A.M. Best rating of A+ or better are the best insurance companies. Companies with an A rating or the next best, and an A.M.Best rating of A- would be third.
Steer clear of a company with an A.M. best rating of less than B.
The above ratings give one some idea of an insurance...
Derrick Said:Who is a good auto insurance broker in Chicago?We Answered:Find one through this website: www.iiaa.orgTravis Said:Does anyone know what a proof of auto insurance letter looks like EXACTLY?We Answered:Each insurance company has their own rules, and their forms may be different. Some states also have their own forms that are filled in by the insurance companies, or agents.
If you are trying to "create" your own form (forgery is such a nasty word) you will need to have a copy of one issued in your state. Be aware that many times the state will send a verification form to...
Jennie Said:I get paid from the auto insurance to take care of my dad they sent me a 1099 i dont have a business do i have?We Answered:If you received a 1099 Misc for services you performed you
will need to file a Schedule C to report this income and then
a Schedule SE to report the self-employment tax of 15.3% of
your net earnings. The totals from these two schedules will be
posted to your 1040, so long as you have not incorporated
yourself.Gary Said:If I have a small business and need to hire delivery drivers, do I need to pay auto insurance...
Veronica Said:How can I get auto insurance for a car not in my name?We Answered:autoinsurance.noneto.com - try this one. I have their car insurance and, as I know, they can provide such a service.Edward Said:Could I buy an auto insurance without a car?We Answered:you can get a insurance policy from some insurance companies. it is a non owner insurance policy. it should cover you in any vehicle that is borrowed or rented. the insurance company we have told us we could do this but it cost more than having a car on the policy. you should call an insurance company...
Alicia Said:Who is "Flo" from the progressive auto insurance commercials???We Answered:her name is Stephanie Courtney! I looked her up on IMBD, and she's been in a LOT of movies/shows/etc.Ruth Said:was batista in a commercial for safe auto insurance?We Answered:maybe"""""Theresa Said:Why is there a disclaimer on the Allstate Auto Insurance commercials that says "Not available in all states"?We Answered:It will be, in 4-8 years. Look at how long eHarmony ignored the gay and lesbian population and got away with it....
Dianne Said:How do auto insurance companies know if you have had car accidents/tickets in the past?We Answered:Unfortunately, yes they are. It's called CHOICEPOINT (C.L.U.E., Inc) and ALL Insurance companies use this company as a repository of claims information to cross check everyone for all types of policies (Home, Auto, Liability, etc.). But, the good thing is because they are legally considered a Credit Bureua you can request a copy of your file to see what they have on you. You are entitled to a FREE report from them as required by the FACT ACT. Who knows,...
Gary Said:Why would the auto insurance company that I am suing look at my credit report?We Answered:Well, insurance companies do have access to credit reports because they often use credit when quoting and selling policies and determining rates. So they may be able to access yours. When you became a plaintiff, you opened up your entire life basically. The kinds of things you have to disclose about yourself, the endless amount of medical records that can be accessed, and the background information that can be obtained is amazing. Pretty much the price you pay when you become a litigant.
...
Christine Said:Do group health insurance plans provide for covering costs of auto personal injury after auto ins PIP pays out?We Answered:Usually not. You may have to sue the person that caused to accident.Johnny Said:Farmers Insurance Group - Auto?We Answered:Statistics:
Wholly Owned Subsidiary of Zurich Financial Services Group
Incorporated: 1927 as Farmers Automobile Inter-Insurance Exchange
Employees: 16,000
Total Assets: $10 billion (1997)
SICs: 6311 Life Insurance; 8741 Management Services
Yes, that's pretty widely known. And?
Farmers will pay doctor bills in some cases where they have taken responsibility for them, and if you use a doctor in their group, the...
Rodney Said:what's the cheapest and most reliable auto insurance company in LA?We Answered:It all depends on your situation (driving record, car ect. ) as all companies but different emphasis on different factors. Best thing to do, would be to get a online insurance quote that would compare all insurance companies in LA, and give you the best prices.
Go to http://www.auto-insurance-knowledge.com/… for a online quoteJessie Said:Recommendation for Auto Insurance in Los Angeles Area?We Answered:Mercury Insurance will be the cheapest unless you have problems with your record. You can also check with Progressive.
Good luck.Edwin Said:Licence renewal pentialities for lapse auto...
Sheila Said:Does anyone know of a good auto insurance with great service and a reasonable rate?We Answered:Insurance companies set their rates according to their loss experience in recent months/years.
Don't pick an insurance company on the basis of price. You'll find that any company will be high one year and low the next.
Avoid the biggest and the smallest. The biggest will have the burden of challenging legal precedent to keep everybody's costs low, and as a result will have to charge their customers more. I know, it doesn't seem to make sense, but there it...
Bill Said:Will women protest being forced to pay LESS for life and auto insurance than men?We Answered:Hi mate,
Check out this site, if you want to find your best or cheapest auto insurance just in few minutes,
http://www.Auto-Insurance-Quote-Free.com
Here you can get free quotes from different auto insurance companies in your area, its the best way to find an affordable auto insurance with a reliable company.
Hope this help!Phyllis Said:How do I get my license to sell life and auto insurance?We Answered:In most states you will need to find an existing insurance company to hire and sponser you. Once you have a job...
Lucy Said:How many years does an accident remain on the records with an automobile insurance agency?We Answered:Usually, accidents remain on an insurance provider's records for 3 to 5 years. Some other considerations when looking for a provider are:
1. Gender and Age. Young male drivers are typically the most expensive to insure, especially if there is any infraction on their driver's record.
2. Driving Record. Tickets, accidents, being caught driving while under the influence …they all add up and translate into higher auto insurance costs.
3. Be aware of discounts. If you are a good student, if you have...
Susan Said:Does anyone really know how much Nader is doing for the American people? And why do so many people dislike him?We Answered:as long as he has been in govt, if his resume was short i'd be surprised
but he said some pretty ...naughty things
he pretty much called obama an uncle tom...weird...never knew nader was in all deep for the african pplTerry Said:USA health Care system. Hospitals and Pharmaceutical Companies are at present rationing health care. Is it so?We Answered:you BET it is!
THAT IS WHY THEY ARE LYING ABOUT REFORM!
HERE IS THE TRUTH:
THERE WILL BE NO NATIONALIZATION OF HEALTH CARE
THE ONLY...
Cassandra Said:The automobile insurance business is making hundreds of billions of dollars off of us shouldn't the government?We Answered:You should open a company and not make any profit. You should buy stock and never gain any dividends. You should invest money in an IRA and only get what YOU put in when you retire and no interest. GET THE POINT. Don't be an idiot all your life. A little common sense goes a long way.Darryl Said:is there a national database to check to see if a business is licensed and insured?We Answered:your states secretary (secretaryofstate IL.com for example) has a...
Brandy Said:I want to know about a spam job vacancies?We Answered:100% scam. There is no job.
There is only a scammer trying to steal your hard-earned money and your identity.
Any phone number that starts with +44-70 or anything similar is not based in the United Kingdom. It is from a UK based cell phone redirect service that can be answered by anyone anywhere in the world. It is a favorite service of scammers who want to pretend to be in the United Kingdom but are really half way around the world from there.
The next...
Gloria Said:I can't get health insurance b/c I'm pregnant!?!?We Answered:In the great USofA... it is illegal for a pregnant woman to be refused heath insurance. We make about 25k a year, we just barely pay are bills, but still qualified for medical assistance, I would try to go to your local DSS and at least fill out the application for just medicad, there are different types of programs they can help you with to find one that will help your situation, I'm not saying you'll get staight medicad, but there are aother gov. assisted programs through DSS that you may...
Clinton Said:How do I write this letter?We Answered:Focus on your relevant experience--e.g., paralegal student--and career interests. Say you're looking for paid or volunteer work experience. Let them know how many hours/week you would be available. Enclose a resume.
Good luck.Jacob Said:How do I write this letter?We Answered:In the cover letter, stress that you would like an unpaid internship to gain legal experience. That will usually get you a foot in the door as law firms really like getting work out of people without having to pay for it :-)...
Leonard Said:NHS In Scotland and England troubles? Universal Healthcare In the USA?We Answered:I don't know what's best but I know what we have now doesn't work.
I think we should make sure that all our children have full health coverage. That's everyone under the age of 18. It's in the best interests of our society to do that and doesn't seem unreasonable to say at the age of 18, you're on your own.
In the greatest country in the world, a 7-year-old girl shouldn't do without adequate health care because her parents can't afford it. Like I said, I don't...
Daryl Said:What are the pros and cons of becoming an insurance agent for Aflac?We Answered:The market for AFLAC is pretty saturated. Many employers are being approached weekly, and then the enrollments in it are very small. It used to be you worked two years before you made any money, but now I don't know how long it could be.
The odds of success as an AFLAC agent are very, very much against you. You are better off learning the insurance biz from an agent that sells many types of coverage, including payroll deduction stuff like AFLAC.
However, if...
Paula Said:HELP ME WITH HEALTH!!! 10 points to best answers?We Answered:12. good samaritan act.
13. reflexology.
14. chiropractics.
15. medical insurance.
getting bored. do the rest yrself :-(Ethel Said:HELP ME WITH HEALTH!!! 10 points to best answers?We Answered:I am afraid you are in the wrong category. The Yahoo Answers category is for questions like "How do I get to Level 2 on Yahoo Answers"?
Try asking your question again in one the the Heath Categories or in Homework Help. Here is a link to both:
http://uk.answers.yahoo.com/dir/index;_y…
http://uk.answers.yahoo.com/dir/index;_y…...
Willie Said:What do you belive is the best insurance agency for teens?We Answered:Most teens are simply added to their parents policy, that's the cheapest way. I don't think you can purchase insurance on your own. An insurance policy is a legal contract, and minors can not enter into contracts.
Also I would advise you not to buy a new car. Most teens, because of lack of driving experience, will wreck or seriously damage their first car. Just get something cheap, safe, and reliable for now. Let the new car wait until you graduate from college.Lewis Said:what is the best pet insurance...
Julio Said:Pls anybody can tell me which is the best insurance company in new york new jersey and connecticut?We Answered:"best" is a relative term... are you looking for price, quick claims payment, long time in business, ratio of debt to assets, or what? get quotes from an insurance broker...they sell for many company's and will find you the best deal and they are working for you. Explain what you want that would make the company the "best" and go from there.Douglas Said:Best insurance companies for 18 year old passed my tes?We Answered:If you need a REALISTIC price, try...
David Said:Does anyone know how to become a vendor for the big insurance companies?We Answered:You have to talk to their claims departments, about getting on the list. You'll need liability coverage, possibly a bond, workers comp, and lots and lots of marketing.
To go with a major company, you'd have to have a pretty big restoration service - maybe 50 employees or more.
It would probably be easier, and more successful, to go around to local agents, with a dozen donuts once a month - or notepads with your number on it. Independent agents are JUST as influential...
Alfred Said:my husband was in a car accident today,& not at fault. The other guy pulled out in front at a 4way stop.?We Answered:Just because the other driver wasn't issued a citation on the spot doesn't mean that one may not be issued at some point during the investigation. You said the police took statements, so they have all of the details & may be investigating this further.
Even if he does not receive a citation, that does not take away from the fact that he ran a stop sign & hit your husband. Obtain a copy of the final version...
Shane Said:No changes to Medicare didn't I hear? Did you see this nuts and bolts discussion of some of the changes?We Answered:Presidnet is getting desperate. He's like Ahab, chasing the Whale. He is so obsess with Health care, that he is willing to destroy everything just to get it. The people entering retirement age is growing. The baby boomer is entering retirement. The cost of Medicare for our country should be rising to accomadate them, and yet Obama thinks he can get money fromt hat program. The changes in Medicare was in...
Vera Said:Are bond insurance companies regulated by the FDIC? If not, who regulates them?We Answered:As any insurance company they are regulated by the State insurance departments of the States in which they operate. Their is no national insurance commissioner as there is no national insurance charter (a much discussed subject in the insurance industry).
Moody's Investor Services and Standard & Poor's rate their financial strength but neither organization has regulatory power....
Jerome Said:Do advertisers/agencies have the ability to take out insurance policies for their sponsors?We Answered:No such insurance product exists. That is just a risk of doing business.Dolores Said:Were my parents out of line?We Answered:So let me get this straight. You're parents are mad at you for being an adult and making an adult decision? And they expected you to take days off during the week to take sub assignments and expect that your boss would allow you to do that? That doesn't seem fair to the company and it only would've made you look bad in your now former...
Carlos Said:If I were to open an auto insurance business and set my rates to make a profit, yet did not charge extra if?We Answered:Yes.
Statistically, people who have been in accidents, or who have other indicators of higher risk will file more claims for more money. So, you charge them more. You charge people who will cost you less in claims less, to attract them.
Your hypothetical insurance company would go broke. Other companies would attract the lower-risk drivers with lower rates than it could offer, leaving it with higher risk drivers who would draw more in...
Tara Said:Is it good business to give car insurance to a drunk driver who has had many wrecks?We Answered:When I graduated from college, I lost my parents insurance and had to quit my job and for another one that paid 5$ an hour less. You see, my old job did not give me benefits. I made too much to qualify for government benefits and I was uninsurable because of my diabetes. So, rather than die, I had to quit a good job so that I could collect benefits from the government, see a doctor and recieve...
Perry Said:What kind of insurance needed for in home pet sitting business?We Answered:None is required by law.
YOUR policy won't protect you, if the dog destroys his own house, or yours. But the bite thing is an issue.
Because of that, the liability insurance for this type of business can be pretty expensive - as they can't underwrite by animal. Expect it to start at $2500, since you want bite liability coverage. Without bite liability, you'll be able to get it at $500 or so - IF someone is willing to write it.
In...
Brett Said:Do insurance agencies do background checks?We Answered:Not exactly.
Depending on the type of business and the type of insurance, there might be verifying agencies to check, for example, your business TYPE, or if there's a workers comp surcharge, or prior claims history.
There's always an application.
But MOST insurance comanies won't write a "standard" policy on a brand new business, anyway. Most NONSTANDARD companies will do an physical inspection, and the policies might be "auditable"....
Lena Said:My Score counselor says that I should contact a lawyer and an insurance agency before I start my home businessWe Answered:The problem with SCORE counselors is that they are a stickler for things that must be done. They follow protocol to the dot. Lawyers, accountants, insurance are great to have -- and in some cases depending on your business - are crucial to have. But many small business owners cannot afford them, especially at the start.
I started my business without going to lawyers, accountants or insurance agents. I did my own research and did everything myself. It can be...
Grace Said:What do think about photos on business cards of insurance agents? Good? Bad? Cheesy?We Answered:CHEESYJoann Said:How much do health insurance agents make from their clients?We Answered:It will vary by company. Some companies will have a flat percentage throughout the life of the policy, other companies will have a higher percentage in the beginning that will decline in subsequent years. Whatever the agent does make has no bearing on what you pay; you pay the same using the agent or if you buy directly from the company. With an agent you'll have someone local to work with you if you...
Wade Said:What would be a good insurance company to do business with for a travel trailer?We Answered:Check out the ratings on this website.
http://www.thestreetratings.com/HL_home.asp
These are the companies that would be most likely able to handle a catastrophic loss like a tornado. Might not be the cheapest, but good coverage. Then find a local agent to help you decide the best coverage for you.Louise Said:How can I sell my business idea to some finance or insurance company in India?We Answered:Check if it's patentable or not. If yes, do get to the patent pending status by submitting the application about...
Ida Said:If I get a group insurance plan and add on weight loss surgery?We Answered:You cannot add on bariatric surgery as an option.
Most insurance companies have a choice of several plans from the basic up to the comprehensive for group policies. The surgery may be included on the comprehensive plans but it will depend on the company and your area.
The premium for any particular plan will depend on the size of the group and if the group is fewer than 20 it will also depend on the general health of the group. One person having a BMI great enough...
Duane Said:Could You Suggest an Alternative Healthcare Bill 10% the Size of the Present One?We Answered:This is one of those 'you can't get there from here' situations. First of all, we are depending upon our elected servants. Yes, servants. We are paying them to do the jobs they campaigned for. We, the people, can't do much more.
The biggest problem is that once upon a time, we had a medical profession. It became a medical industry. Industry. Big business. Big profit maker. That is a bastardization of everything the healing art was intended to be. It used to be...
Marcus Said:About how much would full health insurance cost for a business with about 8 employees? More info...?We Answered:At my company, which has 20 employees, insurance is HIGH.
I contribute $100/paycheck. I'm paid semi-monthly (twice/month). It's just me on the policy. The company contribute $600/month. I'm currently in Texas.
When I lived in Virginia and I saw the bill for the medical insurance, for singles it was $400/month. It's just getting higher and higher.
Single employees, you're looking at $200/month. For a family, closer to $400-500/month....
Sherri Said:I use to be in the insurance business, but did not sell life. Please tell me if I am wrong, is there ?We Answered:There is no central database. The executor of an estate can pay $75 to these guys http://www.mib.com/html/lost-life-insura… who will tell them if any applications have been submitted to any companies in the past ten years. But the executor can ALSO go through the old banking statements, to find out which insurance company has been getting paid - they are usually paid once a year, or once a month.
Plus, most people do...
Janet Said:My father is stealing money from the insurance company.?We Answered:He's the stereotype of the reason why I won't go to mechanic shops. Don't let him near your money unless, you consider it charitable donation that can't be claimed on your taxes. If he acts pissy towards you, you might gently remind him that later in life, you might be wind up in charge of his medical and physical care decisions.Annie Said:Why is it impossible for a Bipolar I diagnosed person to get health insurance?We Answered:OK, starting at the problem...
1. They are not denying you because of...
Anita Said:starting a small business in PA?We Answered:There is a organization that can assist you with this. It's called SCORE.
Best of LuckDarren Said:30 days Plan to resemble a command economy in 30 days: free market and progress for all?We Answered:Scarey that someone would actually believe in this.Chester Said:Has Presidential candidate ever made this many promises? How does Barack plan to pull this off?We Answered:part of it was all about getting votes and the other part was his ego actually believing that he is some sort of superman....
Herman Said:Is seperate insurance for minors nessacary on cars a parent already has insured?We Answered:Your dad has been lucky that none of his kids has had an accident. When there's a new driver, the company is entitled to the extra premium for the increased risk; failure to add the driver could possibly void coverage after an accident.
Dad doesn't need to take out a new policy for a new driver, but he does need to add the new driver. If there is more than one new driver, the policy will be rated for the most expensive driver.Minnie Said:Can you...
Sarah Said:How and where to buy an ICBC Autoplan agency licence to sell auto insurance in Surrey B.C.? Costs?We Answered:You can buy it from Amazon,cheaper than anywhere alse:
http://www.amazon.com/gp/redirect.html?ie=UTF8&location=http%3A%2F%2Fwww.amazon.com%2F&tag=funjok-20&linkCode=ur2&camp=1789&creative=9325
Hope that can help you/.Derek Said:Is it possible to buy homeowner insurance directly from the insurance companies?We Answered:LOL you can't.
BUT. You can go to the state insurance department website, for the state where the house is located, and get a list of all carriers that write in that state. Then, you can call each of them, and ask if they write directly.
Off the top of my head, I...
Bertha Said:I am Buying an Insurance Agency. Need advice ASAP!?We Answered:I know a number of established agents in my area that activly pursue agencies for sale and would pay double what your paying..for a good book.
The fact that your friend is dealing with you and not selling for a better price speaks volumes. If no one want to purchase a book, there is probably a reason why. If there are sub-agents in his office why are they not buying? The terms are reasonable.
Do some furthur research: Any agency undergoing change is going to experience...
Hector Said:Has anyone used Cover Me Insurance Agency to buy Truck Insurance?We Answered:I did a lookup on AM Best and found that this truck insurance company has a good rating and is also listed under the name of Natl Independent Truckers Ins Co, RRG with a link to http://www.covermeinsurance.com so it must be the same company or a subsidiary. They also have another truck insurance website at: http://www.directtruckinsurance.com when searched on google.com. It looks like a legitimate insurance agency but please do some more homework to verify.
My suggestion would be to call them during business hours to inquire...
Vera Said:Is it illegal not to report a minor auto car accident to your insurance company in CA?We Answered:What transpires between you and your insurance company is none of government's business. Government cannot "force" you to use (or not use) the insurance.
However, it *is* illegal to NOT report accidents with damage > $750 to the CA DMV, and may result in suspension of your license should the other party report it and you don't.Dora Said:In California can my car insurance company raise my rates based on my new zip code?We Answered:Funny, someone asked this EXACT question last week or...
Elaine Said:How Hard Is It To Keep Open A State Farm Insurance Agency or Allstate Agency?We Answered:Depends - how long will it take you to put $200,000 of premium on the books? That's 2,000 auto policies, or 1,000 homeowners policies. If you can't sell that much in six months, you're not likely to be able to keep the doors open.
It's ALL about sales. FWIW, not many people "stop in" to an insurance agency to buy insurance. Very, very few sales are walk in sales - it's NOT like retail clothing. You'll get LOTS of...
James Said:does anyone knows if AIG agency auto is the same as granite state insurance company in California?We Answered:AIG is the same as Granite State Insurance, just a smaller division of AIG's many other companies under it's umbrella. They write both auto and work comp.Brent Said:Working Compensation Insurance in California, for a staffing agency?We Answered:No, the umbrella isn't necessary - unless you have a contract with someone who requires it.
In CA, you need workers compensation, disability coverage, and general liability. Depending on what your contracts say, you might be required to carry business auto, and umbrella/commercial excess,...
Wanda Said:Would this be the right way to eventually be successful?We Answered:You said you want to: "My goal would be to invest the insurance funds that aren't spent and build more capital up." Insurance companies do that. Insurance Agencies sell the insurance companies policies. So you will not be able to invest the insurance funds.
If you sell enough policies, and get more commission from the insurance companies than it cost your agency to operate, then you can use that profit to expand.Joseph Said:How Do I Become an Independent Insurance Agent/Open My Own Agency/Office?We Answered:I Googled "Mississippi insurance...
Myrtle Said:If I buy a new car will my auto insurance run my driving record again?We Answered:Generally speaking, the only time the insurance company looks at your driving record is when they are about to renew your policy.Katie Said:Is an international drivers license good enough to buy a car and auto-insurance (while waiting)?We Answered:You'd think so, but my significant other found out the hard way that a state issued (TX) driver's license was needed to buy insurance (but not the car)....
Claire Said:What's the average commission levels I could expect from selling Car Insurance and Home Owners respectively?We Answered:Depends on the contract, but industry average is between 8% - 20% first year commision. Renewals depend on the contract, but are usually in the same ballpark.
For calculation purposes, I usually use 15%.
For a more indepth article: http://www.insuranceyak.com/how-much-com…Dora Said:Is the government requirement to have health insurance different from requiring car or home insurance?We Answered:Yes, It's different and about the same in general as they all help to cover or insure us against a loss....
Christine Said:If a roof tile blows off my roof in a storm & damages my car, do I claim via House or Car Insurance? Thanks!?We Answered:Your property policy excludes 1st party coverage to your car (just as if your in an accident with the car, your property policy won't address the damage to the car... vehicle is specifically excluded on the policy). Also, liability coverage under the property policy does not cover your car as you cannot be liable to yourself.
So as others mentioned, homeowners for damage to house roof and auto insurance for damage to car.Christine Said:Please tell me...
Terrance Said:Is there any way a 16 year old minor can get car insurance in his own name in SC?We Answered:at 16 you can't have your own insurance, sorry.
this is what I know for sureJeffery Said:How can you negotiate with car insurance agency after a wreck if you have no insurance to cover other driver?We Answered:If you caused an accident and had no insurance - the other driver will be able to file an uninsured motorist claim. Their insurance company will pay for all the things yours would have (if you have insurance).
Then the other driver's insurance company will turn...
Margie Said:Which gov't agency regulates car insurance practices in Illinois?We Answered:Contact the Insurance Commissioner in your state. They are in charge of insurance company's doing business in your state. There office is in your state capitol ..............UJNKathryn Said:Good Car Insurance Agency in Kentucky?We Answered:The only way to find out will be to search around and take many quotes as you do.Randy Said:What do you need to open an insurance agency ( car insurance)?We Answered:A license to sell insurance, and a car insurance company willing to let you sell their insurance. The first is MUCH easier to get than the...
Elsie Said:How far back in your driving record do insurance agents look when determining your car insurance rate?We Answered:Hey Sugar, Honey Honey...The Archies say 3 years...If your violations are more than 3 hrs old, get with a co. that only looks back 3...and of course keep the driving clean.Zachary Said:what car ins do insurance agents purchase for themselves?We Answered:An agent only represents one company, he would purchase from the company he represents.
A broker, on the other hand, represents several companies. He will purchase the policy that is best for him, which may or not be what is best for...
Carrie Said:How can one become a car insurance broker ? Does one need a large capital to start?We Answered:You need to sign up with an insurance company as an Associate. You won't be paid a salary but your income will be determined by how much you sell. The more you sell the more you'll get paid.Lewis Said:Anyone from car insurance broker?We Answered:don't worry about it! they WILL find it on your CLUE report, but they will simply ask that you provide PROOF that the accident was NON-CHARGEABLE. you can get started on this now. ask your previous insurance...
Zachary Said:can a sole proprietor write off car insurance for the business when you use your car for work?We Answered:IRS considers your first and last trip of the day to be commuting miles, so you have to keep accurate daily mileage logsGlen Said:how much money i need to start up car insurance business?We Answered:You can't sell any policies legally, until you've ALREADY put the money up, to pay future claims. You'd probably have to budget at least $50 MILLION, for "reserves" - aka claim money.
And, you can expect a lawsuit for trademark infringement from Geico.
So,...
Ann Said:Is Denzil Washington in a All State Farm car insurance commercial?We Answered:His name is Dennis Haysbert. He has been in several movies and TV Shows and Commericals. Latest show he was on was the show, "24" as David Palmer the ex-president.Richard Said:Car insurance commercial (spanish)?We Answered:i think you should search at google...
if you want an article, you can find it at http://top-cheap-auto-insurance.blogspot…
it is great article site...
hope this will help you...Karen Said:Wher should I get my car insurance from?We Answered:I can explain this much:
Most of the premium you pay does not pay for eventual accidents. Most of...
Beverly Said:Car insurance companies accept no claims bonus from Lebanon?We Answered:There are none.
A few will accept no claims bonus form other E.U. countries. No insurance companies will accept N.C.B. from outside the E.U.Evelyn Said:Do car insurance companies consider education/income/occupation in determining the price of a policy?We Answered:Different companies consider different factors and give them different weights in calculating premium. Credit record matters to many companies. Usually they are only interested in your occupation if it might affect your risk (someone who delivers newspapers has a different risk than a real estate agent, who has a different risk than a...
Elaine Said:How to Improve a Car Insurance Company's Offer?We Answered:If you haven't accepted (cashed the check) and you can demonstrate to their satisfaction that the value of your car is $11,000, you should be able to at least get the full $10,000. It's better than $8400 and easier than suing. If she was only carrying low, mimimum $10,000 liability limit and you did sue her and win, would she even be able to pay the judgement? Doesn't sound like she has deep pockets.
If you accepted the check, and signed a settlement agreement w/ the insurance carrier, you...
Perry Said:What should I do about my car insurance company?We Answered:Looks like you are going to have to get a lawyer!Brett Said:What can i do if a car insurance company refunds your money?We Answered:You left out a lot of details and we don't know where to start.
Either you are covered by a policy, or you are not. If you are covered by a policy, it would be in writing, unless it was cancelled retroactively due to non-payment.
If your car is the one that got damaged, only "collission" insurance (i.e. comprehensive) will cover your own damages.
So include some details.Darryl...
George Said:where can I find car insurance who will LISTEN to my circumstances.?We Answered:here in australia we have insurance companys that will insure modified cars that have a higher risk of theft they also cover high risk drivers you might try a company like that if you have one there or an insurace broker. good luckEsther Said:How much do you think car insurance will be...?We Answered:No way we can tell you that here, since we don't have rate books. Call an agent or company for definite figures.Ann Said:How much money would I save on car insurence?We Answered:Probably somewhere in...
Timothy Said:what companies are offering a year of free car insurance in 2009?We Answered:Not a single one. If you hear of one, please let us knowStephen Said:Which travel credit cards give you "free" car insurance in the US?We Answered:Visa Standard Credit, Visa Rewards Credit, and Visa Premium Rewards cardholders receive Auto Rental Collision Damage Waiver coverage for damage due to collision or theft..Philip Said:is it worth taking the free car option and paying the rip off extra insurance when travelling to Florida?We Answered:In my opinion, this sounds like a scam that Dollar is trying to pull. In...
Randall Said:Car Insurance question: When purchasing a car form an Auction Co., can I drive the car home w/out coverage ?We Answered:Yes. I can think of no policy sold today that does not have provisions for a 'newly purchased vehicle', meaning that a newly purchased car is automaticly covered with the same coverage as your primary car for a set amount of days (usually 10). Pull out the policy (you know, the one you never read (ha), and find newly purchased vehicle/auto, etc. and check to be on the safe side. You will need to contact your agent ASAP in...
Elsie Said:Car insurance rates for a dependent?We Answered:Hi there.
No it will not affect theirs...not negatively anyway. You may actually improve theirs because you would no longer be required to be listed on their policy as a potential driver in the house.
I would definitely have your parents check with their insurance company to see if that is correct...because it can depend on the state in which you live and the company they have insurance with.
I hope that helped.Ramon Said:Why do good drivers get better car insurance rates than bad drivers?We Answered:Your kidding, right?? I'll bet I know...
Dana Said:Car insurance?We Answered:That's up to your insurance company but there's a good chance that it will. If the cost of repairs is reasonable, it may well be worth dropping the claim and paying out of pocket. If you call and ask, they can tell you what the impact will be on your premiums will be in most cases and you can then make an informed decision in the matter.Violet Said:Does renters insurance cover my car?We Answered:No. It will never cover an automobile. Renters would cover theft of personal property in your car (that is not...
Rodney Said:Is GEICO car insurance any good in terms of their service level?We Answered:As an insurance agent myself, I'd say that almost every insurance company is going to give you a deal if you put your home and auto together. (renters insurance is considered a homeowners policy). You might try Donegal Insurance if you live in the northeast, or Ohio Casualty. Cumberland Insurance is very good as well. Geico isnt the best way to go unless you've got an office right near you. You're better off going with something where you can talk to an actual...
Patsy Said:After making a company bank deposit i was rear-ended while driving my personal car&accident was not my fault.?We Answered:Your employer doesn't owe for your property damage unless they damaged your car; the at fault owes for your property damage unless you go thru your own insurance but since you were in the course and scope of employment they could deny the claim but most likely won't but you would need to read your policy under 'exclusions.' This of course assumes you have collision coverage on your own car.
WC will only pay your med bills and then assert a lien...
Chad Said:New Property and Casualty Insurance Agent, any advice?We Answered:Hello fellow "green-horn",
I am also new to the biz, and quite enjoy it. However I am in the exact same boat as you! I just posted a Q on some advice on inter-net leads and such. My quest is to get as many referrals as I possibly can and hopefully have that as my best resource. My best advice is to read up as much as you can on how to do this, as I did (so far so good) and advertise and market as much as possible! Even if it...
Rene Said:Stonebridge Casualty Insurance Company affiliated with Bank of America?We Answered:I suggest contacting your bank (BofA) on your banking side and tell them to close your account and open another. There is some unscrupulous business practices out there where they will offer something great going out of the gate, only to start ripping you off as soon as that 30 day window passes...Your bank (if that Health Ins Co has taken money from your account, your bank can give you their toll free phone number. Cancel your current checking/ATM account and get a new one...Glenn Said:Is colorado casualty insurance company...
Paula Said:Does anyone know if insurance agencies cover the center caps for my factory wheel?We Answered:You do Not want to file a claim for $130 it will just end up biting you in the butt. You probably have a deductable so a claim that small will get you no money and get put on your insurance records. Most deductables are $250 to $1000 depending on what type of policy you have. A deductable is the amount of money you pay first before the insurance company picks up the rest of the bill. Too many claims (no matter how small) and...
Glenn Said:Which Home Insurances Cover Pit Bulls?We Answered:State Farm is one of the largest companies that does. Try some the smaller ones to compare rates & coverage. I would also suggest getting your pup trained & passing Good Citizen test to show he is well behaved & cared for....
Kim Said:16 year old looking for car insurance?We Answered:At 16, you're still legally a minor and can't buy your own insurance; your only choice is your parents' policy. Have them call their agent to add you....
Gerald Said:How long do i have to wait to change to a cheaper car insurance company?We Answered:No, you don't. But if you cancel your policy before it expires, there is usually a short rate penalty, and sometimes a cancellation fee.
$150 a month for full coverage isn't bad! But you won't know that, until you shop around.Brian Said:whats a cheap car insurance company i could try??! other than quinn any recomendations?We Answered:Phone around using yellow pages, use comparison websites, try all of them for the best price.Joel Said:what is the cheapest car insurance company to use when im 17...
Margie Said:Were can i get cheap car insurance for a rover 214 16 valve injection?We Answered:at the end of the day it will happen!....
Dale Said:Does the U.S. Federal Government force you to buy car insurance?We Answered:No. You don't have to own a car at all. It's better for the environment and your health if you don't.Henry Said:I have the answer to true healthcare reform, tell me what you think of my plan for healthcare not insurance?We Answered:This is actually a pretty good idea, as far as it goes. It is a model for decentralization that could be used for the schools and colleges, as well. And I like the fact that it is leaving insurance companies out of it.
In my...
Glen Said:I don't do this often, but i want to give thanks to Christians. (its long)?We Answered:I share your view. Thanks to the Christians who help others. Thanks also the the Pagans who helped during Katrina and other times of need. Thanks to the Pagans who help the needy during Pagan Pride Day this year, every year, and all year. Same also to the Muslims, Buddhists, atheists, Jews, and all the others whom I do not here name. Thanks to all. Eric Said:What do you think about this article from a Maywood CA police...
Kyle Said:Churches, Mosques, Mandirs, Pagodas etc are kind of INSURANCE company, agree?We Answered:Philosophically, it's true that people (i.e. Believers) always think about/on/over "after-life". If one is real believer, one should take this fragile "world" as a temporary place to live in. The eternity is the factor to ones. So, whatever one does here in this so-called "two-days-world", one should have to be "religiously intelligent" to think on the life...er...REAL eternal life ahead. Forget your philosophical asking, better come to the present world: What we use to do here? Don't we SAVE for the uncertain FUTURE? Don't we do something for...
Armando Said:Who do you think is steeling all those records, ie: Vet's recds., Active Duty GI recds., Hotel guest recds.,We Answered:Could be a foreign intelligence service. All this talk about Big Brother, and the government not being allowed by law to spy on it's citizens doesn't mean we can't hire the Canadians to do it, and buy the information back from them.Fernando Said:Why aren't the American people allowed to choose where there tax money goes?We Answered:It's terrible. The income tax laws are worded in a way that makes it unclear exactly what is taxable, but you will still be...
Daryl Said:What state or states do not require car Auto insurance in order to own a car and use it ?We Answered:The liberal state of Oregon self insures many of their own drivers and avoids the cost of commercial insurance. Other states let individuals self-insure as well (see form for georgia below) I guess this pretty much blows out your comparison. Not too mention that those that do not drive are not forced to buy auto insurance either.
"How does the State insure its risk of loss?
The State uses both self-insurance and commercial policies to insure its risk of...
Gertrude Said:A dr's office never sent a claim to my insurance co. They want me to pay or they will send me to collections.?We Answered:If it has not yet gone to collections, try to work with the doctor's office. If it was their error, they should be willling to work with you. If it is too late for the doctor to submit the bill, have them send you a copy and see if you can fax it to someone's attention at the insurance and get it processed ASAP.
The collections agency's work in different ways. If it has already been turned...
Jeffrey Said:are overdue insurance premiums subject to collection agencies?We Answered:The premium that they are trying to collect is not for the lapse period. It is the earned premium that was due for the coverage that was provided up to the date and time of cancellation for non-payment. If you obtained a replacement policy or returned the tags (and have the documentation to prove it) prior to the effective date of cancellation, you can take the proof to your agent or company and have them backdate the cancellation which could result in less or no money owed. If...
Margaret Said:where can i rent in the fort collins area with bad credit? no evictions/ bankruptcies/judgements?We Answered:Get letters of reference from your former landlords and rental agencies and give copies to the perspective landlord. You will want to rent the place in person so you have a chance to discuss this face-to-face. Small apartments and duplexes are probably a better bet than large apartment complexes. CraigsList Ft Collins is a better bet than apartments.com where they feature big complexes.
http://fortcollins.craigslist.org/Alma Said:Will anyone in the Fort Collins area rent to me with bad credit?We Answered:You will likely need to find a private...
Thomas Said:Do you support my bill to regulate capitalism?We Answered:nope....
.
....hr 4173 BLOWSShane Said:Can I sue my agent for losing my file and not filing it with the insurance company?We Answered:Just get an insurance policy on the house.
The good news is that you did not have a claim during that year. So there was not much harm.
If you want....go use a different agent with the same company. That way, you are with the same company -so your rates should not be "jacked up" because you can prove you purchased a policy and the mistake was the agent. But your old...
Agnes Said:Commerce Insurance Help Plzzzzzzzzz?We Answered:It's competitors are threats, and so is the insurance regulatory commission in every state it does business in.Bryan Said:commerce west insurance company??? Liability?We Answered:That other driver not having a license, doesn't matter.
How the medical bills are filed, depends WILDLY on what state you are in.
For example, in PA, regardless of who's car you are in, you collect under your OWN policy's benefits. If you have no policy, you collect under your mother and father's policies. If neither of them have policies, you collect under any OTHER policy owned by any OTHER resident of...
Derrick Said:Does anyone else think Geico Insurance advertisements are annoying?We Answered:I'm with you on this one! I also have State Farm. One cannot take an insurance company seriously if all they have going for them is their price. You hear nothing of service, coverage or help (not even on their website!). Their customer service rating is less than 40%! That's the lowest of the major insurance providers in the nation. Allstate and others speak of what they cover and how they will help you. Geico says none of this. Only how much...
Kay Said:Obama and McCain supporters what do you think of this?We Answered:I'm with him in the Campaign for Liberty.
Tuesday is only an election. The future remains....
Wade Said:Can filming commercials be a successful career?We Answered:Yes, VERY profitable...
Elmer Said:Casting for a commercial, should I go?We Answered:Call your agent back & tell him/her that you do NOT dive, and would it be okay to still go to the audition? You do NOT want to make a major a$$ out of yourself should you book the job: the audition may not call for you to actually dive, but if you GET that job, you are going to cost the prod.co. $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$… cuz you LIED in your audition.
BTW: Do you having "diving" on your resume, as one of your Special Skills?
"I fear that if I don't go to this...
Elmer Said:who is an expert in CT workers comp insurance?We Answered:OK, well, you're going to have to make friends with your WC underwriters, and call them for specific questions, and READ YOUR NCCI manual!!
You can ALSO go to your local branch of www.iiaa.org, and sign up for some basic workers comp classes.
Comp isn't hard - it's VERY straightforward. If you've seen a policy, you'll notice there isn't much there - because it's all "per case law" in your state....
Terrence Said:What does the guy in this insurance commercial represent?We Answered:He represents risk; it's written either on his fingers or his hand...
Aaron Said:Need help remembering the insurance company that produced the commercial with the dad and little girl...?We Answered:The commercial is a State Farm Young Drivers commercial. I found it by searching Youtube.Emma Said:What insurance company has that commercial that says "If we're not in a recession, it sure feels like one"?We Answered:Allstate-Are You In Good Hands? :)...
Beverly Said:Anybody worked with Lancer Insurance on a accident settlement?We Answered:In my opinion, you made a mistake by hiring a lawyer before you had any need for one. By hiring a lawyer, you automatically slowed any forthcoming settlement to a crawl. (2 years?), and will now have to pay the lawyer at least a third (I'll bet he ends up with more $$ than you do) of anything you may be able to get. Any licensed insurance company cannot afford to screw you over. If they tried, they would have their license pulled in...
Salvador Said:What can i do with a CERFICATE in criminal justice?We Answered:sweep floorsJoseph Said:Why don't people "get" that govt healthcare plan can't be worse..we are paying for others healthcare NOW?We Answered:You're right...it's not even logical.
What upsets me is when you think of all the money wasted in Bush's wars and how we weren't listened to when we wanted them to get more info before tramping into these other countries without the military nor monetary support from UN whereas this Administration is setting up the system so Everyone one who receives healthcare puts in something and people are acting like...
Benjamin Said:Where do I go to get medi-cal to sign off on a 3rd party check from auto insurance company for car accident ?We Answered:That's because you can't get it signed off. You can't cash that check. The POINT of Medi-Cal being listed, is that THEY get the money for their medical bills reimbursed.
You *might* be able to get the adjuster to reissue the check, one to you for your share, one to Medi-Cal for their share, and one to Blue Cross for their share. But Medi-Cal will be a deposit only, and since they're...
Julie Said:Has anybody ever used lexington law's credit repair?We Answered:I have had firsthand knowledge of this because I've used Lexington Law to research how their credit repair works as oppoosed to doing it yourself, and I'll say this. If you have the money to waste on it, then by all means go right ahead. With the different credit forums, inculding Yahoo! Answers, you can do it yourself for the fraction of what they're offering.
Don't get me wrong, they're cordial people and they seem helpful, but you should expect that when you're paying anywhere from $39-79/month.
If you really want to repair...
Christine Said:My friend's house was destroyed by a fire. What else can I do to help him?We Answered:The red cross will know where you can turn to for help.
Also to help him out with groceries there is a place called, angelfoodministries.com. Go there and follow the instructions on how to get food.
They have a box full of food including meat to last up to a couple of weeks for one person for only $25.00.
My parents are elderly and on a very limited income and I go down once a month and order food for them through this ministry and it...
Russell Said:Which are the three main federal regulatory bodies for the Canadian banking industry?We Answered:Canada's federal government has sole jurisdiction for banks according to the Canadian Constitution, specifically Section 91(15) of The Constitution Act, 1867 (30 & 31 Victoria, c.3 (UK)), formerly known as the British North America Act, 1867. Meanwhile, credit unions/caisses populaires, securities dealers and mutual funds are largely regulated by provincial governments.
The main federal statute for the incorporation and regulation of banks, or chartered banks, is the Bank Act (S.C. 1991, c.46), where Schedules I, II and III of this Act list all banks permitted to operate...
Craig Said:Is there a body responsible for monitoring insurance companies?We Answered:Each state will have a Department of Insurance. Contact your individual state.Willard Said:Who do I contact to complain about insurance companies?We Answered:try having a look at this site. it may help you in your quest.
http://www.consumerdirect.gov.uk/Crystal Said:Watchdog agency for credit card co. abuse?We Answered:Hi,
I used "Credit Solution" to settle my debt and improve my credit score.They managed to reduce my debt up to 58%.It's legitimate. Icame across this company on NBC News Special Edition.Check it out here:
http://shurl.net/5oXGilbert Said:Filing a complaint about an auto insurance problem?We Answered:There is no Federal Agency....you...
Johnny Said:Can you claim itemized deductions when all of your work was as an agency employee?We Answered:You are allowed to itemize deductions. You will use Schedule A of the 1040. If you paid health insurance out of pocket, that is a deductible expense.
Do you have temporary assignments that are estimated to last less than a year? Do you maintain a regular home (i.e. you are not a transient)? If so you can deduct your transportation expenses if you itemize your deductions. These expenses include vehicle expenses and parking. Can be complicated, you...
Vernon Said:I'm Sexually frustrated, any advise will help at this point....?We Answered:
Nevermind the people that are telling you to move on since you are not married. I commend you for trying to work out your lack of sexual compatibility instead of cheating. It amazes me that people think because you're not married; you shouldn't try or really give a damn and just move on. What about all of the married men and women that are cheating because they gave up trying and are living double lives? There would never be any marriages period if people didn't work out the kinks...
Kim Said:zac cooper associate insurance agency and new island limited?We Answered:um, what is your question???...
Cassandra Said:Homeowner insurance companies that will insure people with bad credit?We Answered:homeinsurance.awardspace.us - try this one. Got my home insurance from them. As I know they provide such a service.Kenneth Said:How do you feel about insurance companies pulling your credit report?We Answered:I don't like the idea of them looking at my credit. I know that a lot of insurance companies look at it and will use your score as one factor in determining your rates. But I think it's a bad practice. What if you're shopping around for the best rate? Everytime a company looks at...
Rachel Said:will an insurance company run credit report when applying for a job?We Answered:It's hard to say for each specific employer, but more and more company's are running credit checks on poetential employee's. So it's possible yes. Consider asking them during your interview. They are required to inform you if they intend to pull a credit check. Atleast if it is a "hard" pull which most of them are. Good luck!Lucy Said:can a british insurance company report on my credit?We Answered:If the company works like the U.S. companies -- you should be able to have the company retroactively cancel the...
Clarence Said:Which agency has been created to handle crop Insurance in India?We Answered:butterchickenpubaj insureanceBill Said:Do we have to thank Lebron?We Answered:whoa did you write all that by yourself? and no lebron doesnt need thanking. KOBE DOES!! WOOOT WOOOOOT BOOO YAAAPauline Said:please help me with us history?We Answered:high tariffs overseas
Too many investors tried to get in on buying the best stocks.
Strong winds and drought created a Dust Bowl.
plains farmers who migrated west to escape the Dust Bowl
There was a drop in the number of marriages and births.
soup kitchens
Herbert Hoover
a wealthy family and elite private schools
The Hoover administration had not solved the...
Dianne Said:How should I report this auto damage? Hit and run or collision?We Answered:Double duty fraud is what I see, having your name added to the policy AFTER the accident, and then trying to claim it as a hit and run. If you want to go to jail that badly, give it a try. Your girlfriend may go, too.
Insurance adjusters (people who are licensed in your state to handle claims and investigate accidents) know ALL the angles. They're specially trained to sniff out fraud. They check EVERY time, trust me.
File it like it happened. Chances are you will still...
Vernon Said:Any Dallas Co. records re Delmar Ray Summarell, born circa 1932?We Answered:It appears that you are one of his exwives. You might want to contact your ex in-laws if things ended amicably. Zabasearch would be a great place to start.
Tarrant County marriage records are online at
http://ccanthem.co.tarrant.tx.us/
click on marriageLynn Said:Medical Bill Question..?We Answered:Whether they "can" find you financially responsible is irrelevant.
They can't do anything without a court finding.
Collection agents will often say and do anything to try to get some money.
Write a letter to the collection agency and the physicians office. Tell them in the letter...
Velma Said:True or false is Social Security either a insurance, contract or a trust fund?We Answered:True
The IMF is the "lender of last resort" for the world banks and the regulator of international exchange rates. Located in Washington DC the Treasury Secretary sits on the board of governors.
They have been commissioned by the US to print the funds. So one could say that the have outsourced that job just like they outsource the regulation of our currency to the Federal Reserve.
Frankly I can't figure out what congress actually does nowadays. There certainly not doing the jobs the Constitution commissioned them...
Bryan Said:dental debt and collection agency!?We Answered:If you don't pay it yes chances are it will go on your credit report. Keep in mind that even if you do pay it you will want to get in writing that they either never will report this to the credit reporting agencies or if they have they will delete it when you do pay.Patsy Said:Moving to Japan, Health Insurance? Please Help?We Answered:healthquotes.awardspace.info - here is my health insurance plan. As I remember they can provide such a service.Sally Said:Any suggestions on saving money on dental visits?We Answered:I am sorry you have to...
Manuel Said:Why does the Colorado welfare do everything to protect the criminals?We Answered:As far as the tax issue goes for not reporting income of child support, you can call the IRS fraud line w/ the children's names & SS#'s and report the added income that the mother receives. If you don't have their numbers, just give names, addresses or whatever you have & stress that 22K is an awful lot of income to not be reporting every year. It doesn't really help you out financially, but if nabbed, it might put the scare in her to wonder what...
Chester Said:What is Directors and Officers insurance?We Answered:previous answer about Key Man insurance is not the same. Key man is life insurance.
D & O offers liability insurance for the directors & officers of a company to protect them from shareholder lawsuits claiming that they acted improperly in the discharge of their corporate fiduciary duties. It is hard to get directors/officers without offering them a level of protection.Tyrone Said:How come Mexicans believe if caught driving without insurance & vehicle registration its racist to pull them?We Answered:i tell my boyfriend that all the time..and he drove around and they took...
Lance Said:How would I go about obtaining info on disability insurance due to pregnancy and childbirth?We Answered:did u pay into these at ur employer contact ur employer about these benefitsTerry Said:Disability Insurance Regulations, or good sources for reading about them?We Answered:Probably can find most of what you need here. http://hr.blr.com/HR-topics/Benefits-Leave/Disability-Insurance/Julie Said:What Happens in the Insurance Company that Pays Your Disability Goes Bankrupt?We Answered:See the same question, four questions down from yours, about GMAC insurance.
Government doesn't pay. Your policy gets transferred to another carrier. If the state insolvency fund gets called in, yes, there are limits which vary...
Annette Said:my daughter is trying to claim on her ppi insurance with Natwest but is banging her head against a brick wall?We Answered:From personal experience in order to claim for unemployment benefir, the policy will state that claimant has to be on jobseekers or carers allowance (can't speak definately for natwest), but ombudsman, although slow generally takes fair look at these so fingers crossed...
Patricia Said:Proof Reading: May I get help with grammer and sentense tense. to be submitted to employment agency, thanks?We Answered:How about a revised version?
I am a member of the registration and set-up team for a mortgage company. We process over fifty loan files per day. We process each file by retrieving data from the computer, completing the compliance checklist, and checking for flood and insurance coverage. My job consists of resolving compliance issues such as missing or incorrect appraisal and insurance information by requesting missing documentation. I am also responsible for notification of account managers to...
Christian Said:Does anyone know about the Craig'slist on the Internet?We Answered:yes its a great place to post something for sale or to find something in your area that you might need to buy.Carlos Said:Questions concerning life insurance?We Answered:You need to get a hold of the insurance company and see who the checks were made out too. If your father cashed them when they were meant for you or in your name than he will be liable for fraud and would have to go through the courts to get your money. If you feel you have been jilted in anyway,...
Marilyn Said:How come no one posts the 2009 Federal Budget on here?We Answered:I dont know what point you are making. What was the 2008 federal budget?Wanda Said:How do people feel about exfelons having Restoration of Rights in Florida?We Answered:I believe that everyone deserves one second chance only!!! I don’t believe breaks should be given to repeat offenders though?Benjamin Said:Car accident not my fault, other party claiming against me?We Answered:From your comments the other party appear to be trying it on. When the insurance paid out for repairs it was on a knock for knock basis and only covers the vehicles...
Frederick Said:Business liability insurance?We Answered:The issue is not your age. The majority of companies require that you have ownership or equivalent managerial or supervisory experience in a similar industry of at least 3 years. If you have owned a company for at least 3 years they also require that you have had continuous insurance and a good loss history (i.e. no claims).
In your case I would suggest that you contact Tapco Underwriters if they are in your area--they specialize in writing policies for contractors that are new in business, have a poor loss history or otherwise...
Veronica Said:I've received mail stating that it's from a yahoo lottery, what is it?We Answered:This is a scam thousands of these emails are sent every day DO NOT send any bank/personal details click the link below to see what yahoo say about this.
http://help.yahoo.com/l/us/yahoo/mail/or…
You can report this with the mail abuse form below.
http://help.yahoo.com/l/us/yahoo/mail/ya…Sally Said:Accounting Homework Help?We Answered:The following transactions occurred December 1, 2009
a) At November...
Rene Said:Will the costs of health insurance force companies to use temps rather than hire full-time?We Answered:You're both right. The problem is most of the cut-offs for requirements for offering coverage doesn't apply to companies with fewer than 50 employees. So, if the economy improves they won't hire temps, but they will hire sub contractors. It's illegal for someone to receive all of their pay from just one company and still label them as contractors SO companies will create separate entities to pay the contractors from two entities and still not have to offer them benefits. ...
Angela Said:Starting a family insurance business -need advice?We Answered:Put him on straight commission.
Clearly at this point in his life, he's looking for you to support him. I'd rather support him out of the office, than nominally pay him a salary and drag down office morale.
If he's on straight commission, he'll either sink or swim under his own weight.
Think about it. How does it help HIM, to give him a paycheck to keep behaving irresponsibly? It doesn't - it only encourages him to keep behaving irresponsibly. If you want to help him...
Naomi Said:How much does it cost to start a State Farm Insurance Agency?We Answered:While I am sure every state varies - the first answer is way off. In PA, I think you 60,000 in available funds - at all times. With SF - you do not buy the book of business - you are an independent contractor who services and sells. Talk to a local SF Agent - preferable a newer one - most are more than willing to meet with you and give you some insight.Ben Said:Question to State Farm/Insurance Agency former or current employee/agent..?We Answered:Since...
Greg Said:State or Federal Oversight of Insurance Company's / Policies?We Answered:Insurance is regulated at the State level. Not the Federal level.
It has been this way since 1945. This was established by the McCarran-Ferguson Act. http://www.iii.org/media/research/mcf/
"The McCarran Ferguson Act was passed by Congress in 1945. Subject to certain conditions, the McCarran Act essentially returned insurance regulation to the states. The Act was designed to ensure the preeminence of state regulation not to free insurers from federal antitrust laws. "
Therefore, the highest regulatory body will be your state's insurance department. They will regulate all types of insurance that conduct business with...
Rosemary Said:What is a good final expense company that offers preset appointments for the agent in Alabama?We Answered:NOBODY is going to give you free, preset appointments. It takes HUNDREDS of telephone calls to make ONE!! No one is going to hand you sales leads for free, and the vast majority of purchased ones are useless.
That's what insurance sales are all about - and you're not going to make much of a living, with those small whole life insurance policies, either.
This is why 95% of new agents wash out - it's damned hard work getting the...
Claudia Said:Where can I find the cheapest auto Insurance in NJ?We Answered:Try New Jersey Manufacturers. They are a privately owned company and have the lowest prices of any. They also give dividends on your policy that can be applied to your next year's premium. They have pretty strict guidlines to qualify for insurance. But if you have a clean drivers record they are by far the least expensive.Kirk Said:Can you tell where can i find auto insurance carriers?We Answered:I recommend you this site where you can compare quotes so you can find the best option for you
http://Cheap-Car-Insurance-USA.info
Here you can get...
Ben Said:How do i find out if a car insurance company is a real company?We Answered:Colorado Casualty is part of the Liberty Mutual Insurance Group, which is one of the biggest insurance groups in the U.S. You will be fine going with them.
Here is their website.
http://www.coloradocasualty-ins.comRuben Said:would my car insurance company find out if iam married or not?We Answered:*sigh* they will find out only if someone tells them, really; I have never actually looked up any of my insureds' marriage status. But I am assuming yout intended has a good driving record? And by the way -pay attention, all...
Jennifer Said:How do you find and buy insurance companies claim return merchandise ?We Answered:You go directly to the insurance companies, and tell them you want to bid on lots.
But be prepared, you can't pick and choose! You get IT ALL, like it or not, and you'll have to dispose of the "junk" that you can't resell.
You'll also likely need a performance and payment bond, so be sure you're bondable. That's so you don't get called to buy a lot, and then back out.Jesus Said:Can insurance companies find out if you've had an accident?We Answered:The previous answers are American,...
Enrique Said:I need to find an insurance company called FCIC I have the policy #. How do I go about this?We Answered:That doesn't add up. FCIC is the Federal Crop Insurance Corp. They don't insure motor vehicles. It's for farmers to insure crops against catastrophic damage, not unlike the Federal Flood Insurance Program protects property owners against flood damage.Heather Said:If I enrolled in classes and I was dropped from one of them, will my insurance company find out?We Answered:You are covered on your parents insurance I take it. Yes you should still be covered while you...
Carmen Said:Can you find out what insurance policies someone has after there dead?We Answered:If you are trying to find a life policy you have a few options.
Search through all the papers and documents in their house if they have a policy you should come across it.
You may have to go through all the old checkbooks to find when the premium was last paid. This might mean looking back as far as one year.
Check old credit card statements. Your relative may have paid premiums by credit card.
Ask your relative's lawyer, banker, or accountant.
Track down your relative's auto or...
Joann Said:how do i find out about a life insurance policy from 7 years ago that was cashed in, in florida?We Answered:You need to know the name of the company that issued the policy and call them. If you do not know the name of the company, there's not much you can do since there is no general database from which you can search. Insurance companies only keep a database of their own clients and this information is usually private due to security and fraud. In order for the insurance company to release information to you, you need to be...
Daniel Said:Where can I find an insurance quote, when I don't have a postcode yet.?We Answered:use the post code of your neighbour
get the quote and then save it
call them up and then tell them what u did
they still have to honour the on line quote with the discount if any
and give u a temporary post code for their records
i know because i used to work for motor insuranceDustin Said:PC out of country health insurance quote, where do I find it?We Answered:Try http://www.myinsurancequotes.net. Complete the quote form and a local agent will call you. They will either be able...
Ronald Said:where to find the best auto insurance quotes?We Answered:See this http://gsx1.com/InsuranceComparison.html take the quote, they'll come back with prices from different insurers in your area. It's very quick and free of charge.
But to find a cheap price you should get several quotes, do some legwork till something better will come along.
Here's more from my bookmarks
http://finance.ebookorama.com/ukusa-sele…
http://gsx1.com/Car-Insurance/100.phpCarlos Said:Where can I find health insurance quotes?We Answered:healthplans.my-age.net - my family have this health insurance. It is affordable and has good coverage for dental issues.Glen Said:how do i find insurance quotes?We Answered:Help yourself - you can check your quotes in internet, for example here...
Theodore Said:How can i find out Insurance rates on cars?We Answered:esurance.com lets you input your car's data. They will email you several quotes. Most auto insurance companies have similar calculators, although they probably won't give you info except in person (phone).
Biggest insurers are Allstate and State Farm; call 2 agents and ask for quotes.Darryl Said:Where can I find out insurance rates for US postal services with letters to the UK?We Answered:Look at USPS' website...you may be able to get "insurance" for doing registered mail....
www.usps.com
Additional information:
http://pe.usps.gov/text/imm/immc3_005.ht…
321 Description
Insurance is provided against loss, damage, or rifling for...
Vicki Said:How much cash goes to government for every £1 acquired working?We Answered:It's certainly at least 50% of everything that you earn. As to exactly how much tax we pay in Britain depends on our lifestyles. Remember that in addition to all the usual taxes on wages, you're subject to consumer spending where we're taxed again, then if we want luxuries like mobile phones / holidays/ cars / broadband / insurances / hobbies like fishing etc..... then we are taxed again and again and it doesn't leave much left for the average Joe.
Britain is awful at the moment, but I...
Geraldine Said:Is adverse selection lessened if insurers use Env.Agency info on flood risk instead of relying on postcodes?We Answered:Insurance companies have the information that is published by the environmental agency, so they are taking that into consideration as well when underwriting is taking place.Ethel Said:Do flood insurance policies vary in price from agent to agent?We Answered:If your community participates in the National Flood Insurance Program and the agent goes through a company that underwrites for the program, the answer is yes.
However, if your community does not participate or you need additional insurance than what is offered under the program, the...
Margie Said:Has anyone heard of Auto Plus Insurance of Miami Florida? I have heard they are the Best in Florida.?We Answered:Hi Scott,
I just recently looked into Auto Plus Insurance in Miami,
and they are by far the most professional and detailed
than any other company I called, they told me what I needed
and why I needed it. And they were cheap. With the added bonus
of being really careful about making sure I did not have too much
or not enough insurance in Florida based on the cars I own.
They even spoke to me about insurance for my boat. Which
saved me a lot...
Regina Said:Nationwide Auto Insurance won't pay claim in Florida.?We Answered:You need to contact the Insurance Commissioner in the State in which you live, or the state in which you took out your policy. Nationwide is within its rights if it has no record of the policy.
There are (sometimes frequent) cases of insurance agents who collect premiums for the company, and then never pass it on. I hope that is not the case because then you are in for quite a ride.
Every state agency that oversees insurance (it's called something slightly different in every state) has an 800 number...
Bertha Said:Does anyone know the average salary for a 220 insurance agent in South Florida?We Answered:most agents are paid a percentage of commision. Thats pretty mush universal. Things you should ask when asking about pay:
% of commision on new bus.
% of commision on renewals, if any.
is % based on premium or is it a % of the agency commision?
What costs are you responsible for, is marketing, supplies, and licensing.
does the company offer a draw (a weekly stipend later deducted from your commision) Who is responsible for service... you or the agency. This may be way more than you...
Jimmie Said:What would you do in this situation?We Answered:Wow! It sounds like you have done a lot of work already. I am sorry about the work you still need to do to get this resolved. I would start by calling your car insurance company back again asking for supervisors, any other agent (who hopefully has half a heart) to help you. Call every day; document who you talk to. Be polite, but be persistent. You can also look for other contact information for your agent by putting her name in quotes in a google search along with your insurance company...
Kurt Said:what does it mean to be aa "self made" millionaire?We Answered:I guess that means you're a counterfeiter, and print it yourself...Dean Said:Wanting to be foster parent, where do we start? (nebraska)?We Answered:It sounds like you need to get your own house in order first. That is a necessity---especially with the looming bankruptcy. If you feel the need for help with the foster care program then this is NOT the time to look into it. Because of the bankruptcy issue and the financial needs you would NOT be considered here.Ron Said:Can I file taxes?We Answered:Check with a tax professional. ...
Sarah Said:I like2start up a Coffee shop wit an Ice cream parlour at Coimbatore,Tamil Nadu,India.plz help me wit details.?We Answered:As mentioned above, you are basically asking for a project report and may not get all here. However, i can guide you through some of relevant points, ping me in gmail when free
xstreamers1@gmail.comSandra Said:Commercial Debt Collection?We Answered:If the insurance company was in the business name, and your business was not a sole proprietorship then you are not liable. If you held the insurance in your name for the building, or you were simply a sole prop/dba then yes you...
Bobby Said:Should unelected bureaucrats determine if we getcredit cards& home mortgages & whether we're allowed ATM cards?We Answered:I think Thomas Jefferson said it best...
The care of every man's soul belongs to himself. But what if he neglect the care of it? Well what if he neglect the care of his health or his estate, which would more nearly relate to the state. Will the magistrate make a law that he not be poor or sick? Laws provide against injury from others; but not from ourselves. God himself will not save men against their wills.Carrie Said:Why should we the people be...
Isaac Said:Insurance company stalled paying claim until after the statute of limitations was up.?We Answered:This is the game insurance companies always play, either put the claimer under pressure to settle the claim at early stage at lowest value or if the claimer insist, like in your case, they try to waiste time to make you either forget , give up and at the best case to make you accept lowest offer( if you have fullfilled all the legal / official documentation). From the situation I can feel you haven't fullfilled yor obligations towards the paper works or may be you've...
Bruce Said:how do u know if u should get full coverage or liability insurance?We Answered:Well definetly get Liability since that is the coverage that saves your butt if you are at fault and cause damage to someone else's property.
As far as full coverage, if you can pay to repair or replace your vehicle if involved in an accident or stolen, then you don't need the full coverage. If you cannot afford to do that on your own, why not get the full coverage?Jon Said:If I get a general loanfrom Fifth Third Bank, do I have to have full coverage...
Samuel Said:Gap Insurance?We Answered:Unless you live in England and ride the Tube you do not need Gap Insurance.Elsie Said:Does anybody know any Insurance Company sell GAP insurance for a car bought more than 12 months ago?We Answered:Have you spoken to GE Finance? I know they do gap insurance but not sure given your circumstances.
I would imagine they'd be wary selling it to you this late on incase you only want it because you are planning to do an insurance job on your car or deliberately crash it to get the finance paid off.
Man290663 is incorrect, gap insurance can be sold...
Glenda Said:If an insurance company denies your claim for an automobile accident how can you open a new claim?We Answered:The other insurance is only responsible for the actual cash value of the vehicle, not your loan balance. If there is GAP insurance it should cover the difference b/w the ACV and the loan less late payments/fees.
The cop is right...you failed to yield. Just b/c you get a green arrow doesn't give you the option to just go enter an intersection w/o yielding to other cars that may already be in the intersection. You have to...
Jackie Said:Dental insurance providers with orthodontist coverage?We Answered:Many MetLife Dental plans cover ortho. When your employer buys the package, they can select whether or not to add that benefit.
Most often, it is not the insurance provider, but the employer who decides what is or is not covered. Ask your HR person, or whoever administers your health plan.Bob Said:Anyone know of any Gap Insurance Providers?We Answered:Did you ask your normal insurance provider? I'm with Progressive and they offer it.Morris Said:Gap insurance question?We Answered:I am not gonna say that I am totally sure about the answer.it is really depending on the...
Geraldine Said:Carlos Slim's fortune a result only of monopoly?We Answered:He is real good...
Frederick Said:I have an extended warranty for my computer... Who to write to?We Answered:Where did you buy the computer? If it is a reputable company then I suggest you go there and lodge a complaint with them. They may be able to put some pressure on the insurance company. In any case, if they sold you the extended warranty, and the insurance company is not responding, then I believe they not only have a moral responsibility but a legal one also. There are laws covering 'merchantable quality' of goods sold. Essentially, these state that the goods must do the job...
Frederick Said:i want to take a GENERAL INSURANCE AGENCY please suggest me a company in india pune?We Answered:ICICI Lombard Insurance
ICICILombard.com/HealthInsurance One Premium, One Policy for your Family. Cover Your Family Today!
Best Insurance in India
www.GetMeInsure.com/Insurance-India Apply Online, Compare & Buy Get the Best Insurance & Save Cost
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ApnaInsurance.com/Instant-QuotesLaurie Said:A State Farm Insurance Agency, would it be considered a sole propriotorship or a general partnership or what?We Answered:depends on how you open it.
sole propriotor if you merely sign a brokers agreement with them as yourself. Then you are merley in...
Larry Said:Can someone explain how I would make money at this insurance agency?We Answered:It's TONS of cold calling, or knocking on doors. YOU have to round up the customers, and in exchange, you get a percentage of the sale (commission).
Yes, all insurance companies work that way. Performance is rewarded handsomely, and non-performance doesn't cost them a dime.Bobby Said:Does anyone know the cost of GENERAL LIABILITY INSURANCE for a home care agency? Thank you very much.?We Answered:No, because you didn't include any RATING INFORMATION. It depends. How many clients? How many employees? Gross...
Kim Said:What Percentage(%) of commission does a general insurance agent gets for insuring a vehicle?We Answered:It is going to depend upon who the agent is representing. If the agent is a captive agent such as Farmers Insurance, State Farm Insurance or Allstate Insurance the commission will be around 7.5%. An independent agent who represent several companies can expect between 10 to 15%.
The difference is due to the fact that the captive agents receive additional financial assistance from their insurance companies to help pay their business expenses. An independent agent is an independent business person and as such receives only the...
Loretta Said:General Liability insurance?We Answered:Quite honestly, the rates vary widely from business to business. If you've already shopped around across a dozen places or so odds are you're seeing a very good representation of the average rates for your particular industry and location.
If it's at all helpful, one of my friends owns a comic book shop and his liability insurance is very reasonable. However his brother owns one of those companies where they turn human bodies into mannequins (like you see in those shows that roam the country) and his rates are simply astronomical. I find that a little more...
Elaine Said:I have a recevied a check for3,850 from Global International Lottery Agency, did anyone else get one of these?We Answered:Did you enter a lottery? Why would someone send you a check if you didn't? The check is fake. The bank you called is part of the scam. They instruct you to cash the check at your bank and then send them back part of the money for processing fees. The check does not clear at your bank and you are resposible for the money. Very old scam but there are still many gullible people out there. SCAM SCAM SCAM....
Karen Said:Pet modelling agency?We Answered:Hi, a few links to help you, best of luck in the bitchy world dog modelling.lolStacey Said:Can someone show me the statistics?We Answered:The CDC does studies every year but that is only people that are treated at the ER and it is not that reliable.
Here is one site I found that list the dog bites last year that were reported.
http://btoellner.typepad.com/kcdogblog/2…
Dogs 101 is a joke.
The insurance companies go by the media hype and the supposed reputable information. It is not just Pits, there are many other dogs on the list.
Google top 10 dogs that attack.
In the grand...
William Said:What are some good pet insurance companies?We Answered:Have you tried Homebase pet insurance.....
http://buy-petinsurance.at/worldmap?CTY=…Katrina Said:What are good insurance companies for male learner drivers?We Answered:Your son will only need the insurance once he has past his test, If you or your husband is teaching him (not the best idea) you do that on your insurance or the driving school that he learns with.
It will work out cheaper in the end if he starts his own insurance from the day he gets his fist carRoy Said:what are some good dental insurance companies in Eugene, OR?We Answered:I was in the same boat, I...
Stella Said:whats a good insurance agency in Ontario Canada for motorbikes?We Answered:I use Kanetix, and I've never had any problems with them. I have a decent rate, considering I've never had a motorcycle accident, and I live in a good neighbourhood. You should give them a try.Renee Said:What are some characteristics of a good insurance agency?We Answered:A good insurance agency will -
1. Represent several insurance companies so that they can provide the best combination of price and coverage for the specific situation of the customer.
2. Be honest in its dealing with the customers and companies. You don't want...
Yvonne Said:property and casualty requirements?We Answered:No. You will need to be a legal resident to get the license.Brian Said:Question about Insurance?We Answered:If they're here in the US, private insurance companies won't cover them (they only cover up to 65, then Medicare takes over). You should at least enroll them in SSI or Medicaid. The sooner you do it, the better. Major medical emergencies could wipe you out. You can also check with Medicare if they're eligible.
Manuel Said:>U.S. Green Card Winner< Is this another cyber fraud?We Answered:the whole thing is screamingly fake. first off, there is no $1 fee to...
Ruben Said:won a lottery, need advice fast?We Answered:FRAUD! Do not even respond - it will only encourage them. I am sorry, but you did not randomly win 1,000,000 Pounds. Please remember, if it sounds too good to be true, it probably isn't true....
Benjamin Said:Hi, Is there any insurance companies in Singapore who will give a bankers/insurance guarantee to an individualWe Answered:Start with the banker guarantee terms. Under what terms can your employer entitled to the guarantee. When you resign on the last day of guarantee expiry? When your services are no longer required by your employer? It could be a ploy by your employer to stop you from taking study leave. Once the terms are fully clear to you, you can approach the banks. Some will take collaterals. But may ask for cash deposit if are a credit risk.Evelyn Said:How can...
Bonnie Said:What's a good sales job to start off with as an EMPLOYEE?We Answered:Hi Ayers,
I know how you feel, I felt the same way, but what I found is a business opportunity that is expanding in the United States and Canada. You may or may not be interested, I have a business opportunity to show you, it will take about 15 minutes of your time.
You can review the information below....
Julian Said:Are there nanny agencies that offer health insurance?We Answered:most job employers give health insurance i tinkSherry Said:Do modeling agencies provide health insurance for their models?We Answered:No, certainly not. They offer you opportunities, not benefits. Debbie Said:How do I get health insurance for my dog?We Answered:When you first get a dog, you will probably be told by several people that you need to buy dog pet insurance. However you may not be at all clear as to exactly why you need it, especially if you haven’t owned a dog before and are aware of the situation. The cost varies...
Tonya Said:How much is liability insurance for a Home Health Aide Agency located in Miami, Fl?We Answered:Apply for licensing with your state. Getting licensed for operation in most states is more complicated when you`re working with people and their well being than it is for other businesses. Not only must you obtain your financial documentation, you also may be subject to background checks, credit checks and the scrutiny of previous disciplinarian procedures. Become Medicare certified. Because many patients who choose home health care are elderly and on limited incomes, they qualify for Medicare benefits. In order for you to make...
Cody Said:Employer not answering Unemployment Compensation Adjudication Form!?We Answered:If the employer does not respond to the unemployment department within a limited period of time (typically 15 to 30 days) your claim will be approved as filed. (Some states even instruct employers to not return the form unless they intend to contest your claim.) This might delay the start of your benefits slightly (typically it takes 3 to 5 weeks before you see your first check anyway) but even if it does you will not lose any benefits as long as you have been filing your periodic benefit claims...
Virginia Said:How does the short term disability insurance work for a high risk pregnancy?We Answered:Short Term Disability insurance is NOT standardized. You'll have to read your coverage form.
Many policies won't cover any pregnancy, when you get pregnant the first year. The waiting period, is for CONCEPTION, not "disability". Many policies flat out exclude maternity coverage. You have to read the policy, to find out what you are 'eligible' for.Kelly Said:Why has the Obama administration banned abortion coverage for women in the high-risk insurance pools?We Answered:A brief look at the historic narrative on abortion vs. compulsory pregnancy...
Harvey Said:Does anyone think they would get FREE health care from the gov't if health care is "reformed"?We Answered:All that I know and have ever known that is consistent no matter what part of life you travel: NOTHING IS FREE...
There is always a catch, or a trap.
SO the question is" Are the American People smarter than the current Government Officials"?
I say yes the majority are quite smarter...
The Democrats thought they could pull a fast one...
Older Americans know that as long as the power was split between the party's nothing drastic would occur, that could not be undone...
However when the...
Carol Said:Home/Auto Insurance Cancellation fee for policy that hasn't started?We Answered:No, because she never signed an application.
HOWEVER, she gave the bank account information, and it's highly possible that "someone" forged her name. It's also possible that agent is trying to bully her into keeping the policy with them.
Ask friend to have the lender intervene, as it was their personal contact. If push comes to shove, she can tell them, hey, I never signed anything, never committed to this policy. She'll have to tell her bank, too, so the money doesn't come out of her account. ...
Danielle Said:Should it be manditory that my employer should pay my Car insurance,Home Owners insurance,my life Insurance?We Answered:If Hillary gets in, all businesses will move out of the country before they are nationalized by her. Your job won't matter.Phyllis Said:Is selling car and home insurance difficult? How much does the average person make? Which is a good company?We Answered:Well, it's easy, if you can sell, and have a base of contacts to work from. People don't come to you, you have to go to them.
The average new agent washes out. 95% of agents wash out,...
Lillian Said:Part time...Is it more profitable to sell real estate, home/auto insurance or life insurance?We Answered:Real Estate (even in this market). A salesman is now superfluous with the online access to home/auto insurance. As for life insurance, after you run out of selling, or tyring to sell, life insurance to all those you know, it's hard to make a buck as no one really wants to talk to you. For Real Estate, even if you can't sell homes, you can always make a decent living renting out properties....
Tiffany Said:Help with Home Busines and Insurance?We Answered:There is more than one issue here. Does your father LIVE in the house as a secondary home? If not, it is nonowner occupied (even if a relative is living in it) & no longer qualifies for a homeowners policy, it needs to be on a dwelling fire policy. Then, you will also need to purchase a tenants policy to have coverage for your personal contents & personal liability. It is also going to make a difference if the business is in the house itself or a detached structure....
Jacob Said:How can I tell the differences between a home owners insurance policy ,and car insurance policy?We Answered:You look at the front page. The front page of a homeowners policy says "homeowners" and lists an address, and the "dwelling". The front page of an auto policy says "automobile" and lists a car.
Dwellings aren't listed on car insurance policies. Cars aren't listed on homeowners policies. If the policy has both a car and a dwelling listed, it's probably an umbrella.Neil Said:If I rent space in my garage for car storage will this affect my home insurance?We...
Nelson Said:can your home insurance agency just come and take pics of your house without you knowing?We Answered:Yes.
When you signed your application, you gave them permission to do any kind of inspection they want - credit check, interview your neighbors, etc. It's in the fine print at the bottom of the application, right where you signed.Steve Said:What can I expect during an insurance home inspection?We Answered:I currently do home inspections for insurance companies. It's really not that big of a deal. When we do an inspection we are mainly looking for anything that would be...
Yolanda Said:How much you pay for Home Insurance, i want to rent a flat from Agency and they asking for Insurance?We Answered:I would go to an insurance agent and ask.
The amount will vary, depending on what the landlord requires.
Shop around for the best rates.
If there is a Grange near you check them out. They handle insurance for several companies and will find you the best rates.
If you are a senior check with AARP. They also can find the lowest rates.
If the rental agency requires insurance, it's unlikely they will rent to you without it.
My home insurance runs about...
Salvador Said:Auto/home insurance agents, I am going to apply for a job as a CSR but I want to see if I can do this job in..?We Answered:It depends completely on how "automated" the agency is - are they Paperless? If so, it is a possibility to work from home. It will obviously require some set up (computer networking, phone, fax, etc.) but the initial expense is minimal.
Also a possibility, if it is the type of business that has walk-ins, would be to work from home 3 days per week and have "office hours" on site a couple...
Tamara Said:Can you get homeowners insurance on a home that is not occupied & will be for sale in the next few months?We Answered:No, what you need is a "vacant property policy".
Your best bet is going to be with Foremost Insurance - www.foremost.com . . . several companies write vacant property policies, but only Foremost will give you a pro-rata cancellation if the house sells. The others won't refund your money.
If your agent doesn't represent Foremost, you can go to their website - www.foremost.com - and find an agent near you who does.
**reading the other...
Veronica Said:I need insurance for my home salon business. Does anyone know of a company? I live in military housing.?We Answered:homeinsurance.awardspace.us - try this one. Got my home insurance from them. As I know they provide such a service....
Heidi Said:How do you check out a home insurance company?We Answered:The best advice I can give you is to visit an independent insurance agent in your local community who can provide you with multiple quotes with several different insurance companies so that you can choose the one that provides the best coverage within your budget. You can find a local agent through the Independent Insurance Agents & Brokers of America website by putting in your city or town and zip code. The website will pull up all the agents that are local to you and you can then...
Cecil Said:Home Insurance Check made out to myself & mortgage holder?We Answered:You can if your mortgage company will agree to sign the check before repairs are made. The check requires your signature and theirs to be legally cashed.Terrance Said:Our home had smoke and ash damages due to recent fires. Our insurance agent asked us to submit the estimates.?We Answered:It can go either way, you have to discuss it with the adjuster.Gladys Said:Will my home insurance pay the full amount of estimated damages even if I get the repairs done for less?We Answered:Brian,
It is called an estimate because the exact cost...
Jerome Said:Is Farmers Insurance Group really cancelling all home coverage in North Carolina?We Answered:They cannot cancel any in-force insurance without there being a reason. What they are doing is pulling out of home owners insurance in NC. They stopped selling home owners insurance in September of last year. That is, they stopped renewing policies and stopped selling new policies in Sept 2008. They have to honor any policies already in effect. What you received is a letter of non-renewal saying that they will not renew your policy when it expires. That is not the same as a cancellation. They notified...
Laura Said:Landlords Insurance, do i need it if i have a home policy?We Answered:homeinsurance.awardspace.us - try this one. Got my home insurance from them. As I know they provide such a service.Ralph Said:any ideas where i can find out how many active home insurance policies there are in the UK? or policy holders?We Answered:Going around all the insurance companies could be a bit time-consuming, not to mention you would be passed through one person to the next as no one would know the best place to deal with your call! You could look at the main companies last audited...
Andrew Said:Is it fair that two people with identical driving records pay different insurance?We Answered:NO, nothing the insurance companies do is fair....
Marion Said:Im looking for home insurance?We Answered:Try http://www.statefarm.com I Use Them And They Are Very good.Benjamin Said:I can't understand Home Insurance stuff?We Answered:The 2 most important #s are the dwelling coverage - also called "A" coverage...
Make sure that's enough to REBUILD your house if it burns down
All the other coverages they went over are percentages of the dwelling amount - so they're set by the computer
Some companies like to "read thru" your coverages when you get a quote to make you feel that they're giving you MORE coverages than the other companies (gotta admit - State Farm does that too)
and...
Nina Said:How does a home security system affect your insurance rates?We Answered:I don't know what things are like where you live, however here (Vancouver, BC, Canada) most insurance companies give up to 20% off depending on the protection you have. The better the system the less risk of loss hense lower rates.
Check out this site, if you want to find the cheapest home insurance just in one minute,
http://best-cheap-home-insurance-usa.blogspot.com/
Here you can get free quotes from different home insurance companies in your area, its the best way to find an afforable home insurance with a reliable company.
Best Wishes,...
Ross Said:I own my home and live with renters. What insurance do I need?We Answered:Yeah, you've got a problem, if there's a claim.
No standard homeowners insurance company is going to cover your BUSINESS, which is a rooming house. You need a completely different policy - a commercial property and liability policy, which will, of course, cost considerabliy more.
Renters insurance, is what your TENANTS should buy - each of them should buy a different policy.
Go talk to your agent. He'll roll his eyes, but get this straightened out.Bonnie Said:So what's next, requiring everyone to have home/renters insurance?We Answered:Probably require...
Michele Said:Why is no one advocating single payer auto, home, and life insurance?We Answered:Why stop there....
What about single payer subdivisions... car lots... clothing stores.
When does it stop?
There are also already free clinics.... FAIL to you too.Miguel Said:I'm an insurance agent selling auto, home, and life insurance...?We Answered:Life insurance is marketed through funeral homes all the time. Not only is the death of a loved one a reality check for many people who had previously thought they were invincible, but also the costs of funerals. Funeral homes like to work with life insurers because if people have proper life...
Leslie Said:Does anyone know a home owner's insurance company that will cover Pit Bulls?We Answered:Allstate is the only one I've heard of that practices no breed discrimination whatsoever. Most companies will cover your dog, but the prices are exorbitant and there are restrictions, like muzzles or leashes.
Good luck and God bless!Adrian Said:Can anyone recommend a home owner's insurance company that pays claims fairly when rebuilding home?We Answered:This may not be directly answering your question, but I am in sure shock that you have "nail damage" to your roof since it takes NAILS to put a roof on....
Rachel Said:How much do you pay for your home owner's insurance?We Answered:Well, since you said please:
In Ohio, 300K in coverage for "supreme" (all the bells a whistles) $800 year billed via escrow billing $1000 deductible, 2400SF full basement 2 story with outbuildings + pool in PC9 . My replacement cost is very close to property value. No flood insurance.Colleen Said:In Florida,what is wrong with using Citizens home owner insurance?We Answered:Citizens is the STATE FUNDED insurance program.
Last major hurricane that came through Florida, they took on average, 9 months to pay out claims . . . because they...
Jeff Said:Homeowners Insurance-Some insurance agencies such as CHUBB, it appears that they offer personal con't?We Answered:No, homeowners insurance covers only liability arising from an accident on a residential property—a kid falling out of a tree or a neighbor slipping and falling in your home. Even damage to an automobile that occurs on your property is excluded from homeowners insurance coverage. You need automobile insurance for damage to your automobile, in your automobile, or caused by your automobile.Johnnie Said:Please tell me a good insurance agency to insure my ring. I don't want to do it under homeowners insurance.We Answered:www.jewelersmutual.com You...
Ramon Said:How much of my homeowners insurance can I spend?We Answered:For any items that you actually replace you can purchase them based on replacement cost. For any items that you do not replace you can spend the ACV amount as you wish on whatever you want.Clifford Said:I like to get insurance on my belongings. How do I go about it ?We Answered:As others have mentioned, it's called "Renters" or "Tenants" insurance, and any company that insures homes will offer this policy as well.
If you want more information on this type of insurance, check out: http://www.insuranceguide101.com/renters… This page will give...
Lauren Said:Anybody Heard of 6-9 Month Temp to Hire Jobs?We Answered:The 6-9 month time period is not for the employer to check you out, it is the time frame they have contracted with the temp agency cuz the agency gets paid a certain amount for providing the employee. I dont think its a bad idea if you can hang in there long without benefits for the contract to run and get full time with the company after the time passes. Guess it depends on the job as well as the job market where you are. You are genarally better...
Katrina Said:State Farm House insurance same as auto insurance?We Answered:State Farm Fire and Casualty Company and State Farm Mutual Automobile Insurance Company are two separate companies. When one has a rate decrease, it doesn't correlate with the other. The same applies to rate increases.
You may have just experienced the multi-line discount increase which essentially means the discounts you are getting have gotten bigger, combined with the fact you're now entitled to a claim free discount...double discounts. The increased multi-line discount has recently increased in several states within the State Farm companies.Christine Said:do i really have to put everyone in...
Glenn Said:Insurance house, car, motorcycle all 3 where hit insurance is saying in separate insurances?We Answered:Unfortunately, they are absolutely right. Even if they were with separate companies, you would still be paying the deductible on each policy. There is no way around it. Unfortunately, while yours really was an accident, there are plenty of people who would do this on purpose to get a few things accomplished under one deductible. Also, property damage on the auto policy is specifically for damage to other people's property. Damage to your own property, vehicle, bike, and home, falls...
Kevin Said:Is Legal protection in Insurance policies any real benefit?We Answered:Absolutely it's worth it. The products and companies that market this option are regulated by the FSA.
Hundreds of people claim legal assistance using their home insurance or car insurance policies on a daily basis. There have to be clauses and small print - it can't cover everything.
Some typical examples; you have a car accident and suffer a serious injury. The car insurance policy will recover the cost of repairing or replacing your car. The legal assistance can pursue a claim for loss of earnings etc from...
Ricardo Said:Going to Foreclose 2nd House, can I cancel the insurance policy?We Answered:If they are taking it back anyway, what can they do about it? I would worry though that it is still yours until the foreclosure is final, and if anything happens to it, you will owe a lot more money than what you'll owe after they sell it.Cory Said:Can i cash in my late Mother's House Insurance Policy (UK)?We Answered:How do you mean, "cash in"?
House insurance just covers the building and / or contents. You can't "cash in" a policy like that, you can only cancel it.Kelly...
Donna Said:how do i go about in getting a quote for pet insurance?We Answered:THe main thing to look out for is the small print in the policy.
Do you want cover for life?
Cover up to a certain amount of vet fees?
Cover for life is as it suggests for life, invaluable if your dog ever gets
Diabetes
Heart conditions
Arthritis
kidney probs
Cushings
Addisons, to name a few that will be a life time problem and costly.
Petplan in this case offers the best Cover for life policy but they are expensive.
However Healthy Pets do a cheaper great plan, they don't offer cover for life but you can get...
Melissa Said:Where can you get quotes on how much insurance it costs on a house?We Answered:Google or search House Insurance and go from thereCarlos Said:House insurance (building and contents). How can I get my £70 ?We Answered:If you know the name of the firm try and find them on the FSA register www.fsa.gov.uk/register - that will have contact details.
If the firm is NOT on the FSA register then they are committing a criminal offence and you should report them to the FSA.
Once you have the contact details and made contact, if they will not pay you the £70 then you...
Eduardo Said:How does liability insurance apply to a house?We Answered:You can't make sure he actually pays for anything.
You can sue him, but state law would say how much he has to pay.
The safest thing, is to file the claim with your insurance company, and let them chase him down, assuming there's a lot of damage. If the damage is under $1,000, then you just have to trust that his insurance will do right by you.
But if your roof was old, and needed to be replaced ANYWAY, they don't pay as much as they would, if your roof...
Dawn Said:I'm looking to buy the new GSX 650F, insurance, does anyone have this bike yet?We Answered:It will only be a bit more the the cruiser unless you have a spotless record then It may not change at allChester Said:how long after buying renters insurance can i submit a claim?We Answered:Firstly, it is too late now that you are flooding. It's like buying life insurance when you have cancer... Not gonna happen.
Secondly, you CAN have property coverage on your renters insurance. However, if your landlord did NOT require you purchase it (although most renters insurance plans come...
Pedro Said:I have some questions about starting an escort agency?We Answered:Don't know what "Health Nut" was on about! lol
Well I'm an independent escort in the UK. I will try to answer your question as best i can, although not a lawyer, i have done a lot of research in this field.
- a good site to get legal info from is www.sw5.(can't remember rest, but google it along with "escort"). It is aimed at gay escorts but the legal stuff is the same.
-I think most agencies have nothing to do with their employees tax etc, as far as i know,...
Alberto Said:Does anyone understand what the US Government agency: U.S. Preventative Services Task Force actually does?We Answered:An independent panel of experts in primary care and prevention that systematically
reviews the evidence of effectiveness and develops recommendations for clinical
preventive services.*
I my self think this is an attempt by the Obama administration at saving the government money at the expense of the american people. Next the death panels*Peter Said:Question about Life Insurance?We Answered:lifeinsurance.awardspace.info - try this one. I have their insurance and, as remember, they can provide such a service.Katie Said:How does an agency (like Kelly Blue Book) approximate the value of...
Duane Said:Health Care For All Should Be A Basic Right In Our Civilized Country.?We Answered:Health care cannot be a "right." Forcing others to serve you without pay is slavery.
Even if the government is "legally" forcing them to do it....
Salvador Said:If the Ground Zero Mosque Had to Post a Security Bond -- Would that be Consistent with Equal Protection?We Answered:So you'd require this of one religion, but not of any of the others?
Your nonsense is at least novel in its stupidity.
The IRA still has raised more terrorist funds in the USA than all others combined and are still 100% Catholic. By your logic, Mormons should be taxed for the work of the IRA.Andrea Said:Should the KennedyCare bill be fastracked without final language and a fiscal note?We Answered:No it should be shredded and tossed over a bridgeSeth Said:Should the...
Karl Said:I have received an appointment letter from Hotel de placio, UK. is it fraud or true?We Answered:Please tear the thing up I have just tried to telephone the phone number given. I get nothing there are no London numbers like that. In fact there are no UK numbers like that.
All post codes in London start with north east south or west.
Mustang city is a joke it is not in my A to Z of London.
The whole address is wrong. Nobody ever puts the word HOUSE before a number.
They Will ask you for a large sum of money for a...
Edith Said:How do you go about staring an insurance company in Illinois.?We Answered:Yes, it costs millions to start a new insurance company. First off you have to have a certain dollar amount in reserves to pay future claims. This dollar amount will depend upon the type of insurance you are selling and how many policies you expect to have but is up in the millions. The reserve will be a combination of actual cash and re-insurance (which is insurance you buy to cover you in the event you don't have enough reserves).
You also have to have people working for you....
Christian Said:I LOVE ROSS PEROT'S FINANCIAL CRISIS ANSWER, WSY?We Answered:I agree with him. The free market has obviously failed, and needs government regulation and good influence. Juanita Said:Verbally abusive employer?We Answered:Go to his boss and tell him/her what's going on. If it continues you'll have several options including litigation.
Or if you don't want to deal with that tell him to go screw himself and quit.Tony Said:Can I work as an insurance agent for an ageny in WA if I have bad credit?We Answered:Smaller agencies do NOT do credit checks. Larger ones will, as will any company before they...
Ruby Said:I am starting with an independent insurance firm as a producer and have a question about the commission split?We Answered:It is like everything else in business: it is negotiable. The split you receive can often depend on who is responsible for paying other expenses such as telephone, advertising, rent, office supplies and salaries for administrative personnel. In the past, I have negotiated agreements where I would receive up to 80%, but I was an "independent contractor" and was responsible for all of my own expenses (except errors and omissions insurance). The lowest split I have...
Ted Said:Do you know anything about Universal American Insurance?We Answered:Never heard of them. Check with the Department of Insurance in your state BEFORE signing up. A link is below. Just click on your state.Willie Said:Work for insurance agency & am applying for job with one of our agency companies - can I contact this carrier?We Answered:I've been in this position - it's going to depend on your personal relationship with the director. As you don't have a personal relationship with them, I wouldn't contact them. If one of the...
Steve Said:how do i start an independent insurance agency?We Answered:By becoming an agent and find carriers who will allow you to sell their product(s)Darryl Said:i would like to set up an insurance independent agency i currently have an office?We Answered:If you have a solid client base, it is very likely that an insurance company will be willing to give you an appointment, i.e. a contract to be able to sell their products. However, if you are in Florida or certain coastal areas getting a contract will be next to impossible. A couple of suggestions -- consider hiring an...
Catherine Said:How do I find a reputable independent insurance agent in NYC?We Answered:The easiest thing to do is to log on to a website like http://www.healthinsurancewiz.com and fill out a form requesting a quote. Your info will be sent to a health insurance broker in your area who will contact you. A broker works with several health insurance companies and can find the best deal for you. Brokers need referrals and a good reputation to stay in business, so they only work with reputable companies. There is no charge for the service and no obligation to buy. Good luck!Patsy Said:Does...
Gladys Said:How may I find an attorney in Austin, Texas who represents Insurance Agents?We Answered:Can't you file a complaint with the insurance dept of your state. Then maybe a civil suit.Francis Said:How much do auto insurance agents get paid?We Answered:http://www.salary.com/
This should help you :)Marshall Said:Independent insurance agent want to grow need super ideas for advertising i want to grow big?We Answered:I recommend buying Internet-generated insurance leads from a reputable provider. An Internet lead is pre-qualified in the sense that the consumer has proactively performed a search with a search engine, looking for a solution to an insurance need. The consumer...
Natalie Said:how to become a part time independent insurance broker in Ontario?We Answered:Insurance brokers in Ontario are licensed and regulated by the Registered Insurance Brokers Association of Ontario (RIBO). The first level of license is called the Entry Level (Acting Under Supervision) level. This level allows you to deal with the public with regards to general insurance other than accident & sickness insurance (including life insurance). If you wish to sell A&S and Life Insurance then you need a different license. In order to obtain an Entry Level license you need to pass a Entry Level or Equivalency examination....
Sergio Said:How do you go about starting an independent insurance company???We Answered:I'm assuming you mean agency. Those laws are different in each state. Go to the website of the State's Department of Insurance to find out the rules in your state.Jesse Said:What companies hire independent producers for Insurance & Financial products (already licensed)?We Answered:I can't speak to the financial brokerage side, but for Life & Health you can typically get appointed directly with the carriers or with a general agent. There are no production requirements. You will have to pay your E&O. Talk to many local independent brokers/agencies...
Dean Said:Did congress ever let an independent group review how this healthcare bill would affect insurance premiums?We Answered:They are hoping we have all gone daft....Tax for 4 years and then the bill looks deficit neutral. This is cram it through politics because nothing the young prince has signed has worked. He is floundering and his lack of experience shines brightly. Laid a lot of promises on people...let his mouth exceed ability. He should try governing in the middle and not pandering so far to the left....It is unbecoming for the President to spend so much time on his knees.Kevin Said:Physicians...
Roy Said:When hiring RN's for Indiana birth center, what are the guidelines for contracted RN's? Are there legal forms?We Answered:You could call the state board of nursing and ask if there is certain private insurance required for that specialty area (birth center), or talk to the human resources dept. of whatever hospital you are looking into working at. In my state, you do not require private insurance, the hospital completely covers you - unless you are found to be guilty of some kind of gross negligence, then you're on your own if you have been named individually apart from the...
Tanya Said:do small advertising agencies usually offer health insurance to employees?We Answered:That's not really a generalization that can be made.
Some small employers (regardless of industry) offer health insurance, some do not. The only way you can know for sure is to ask - if interviewing, ask the company directly. Or, if you know someone who works there already, ask them.Robert Said:Is it a good Idea to start your business with lots of advertising or slow?We Answered:there's no better advertising than word of mouth but you need to get a few good customers first so they recommend you to...
Danny Said:Just opened my own insurance agency in Chicago....?We Answered:I've been in the insurance business for over 29 years now. Good luck to you. It's not easy.
If you're sitting around waiting for the phones to ring quit now. The best thing you can do is put in some "sweat equity". Get on the phone and call, call, call. Telemarketing has a bad reputation now but it works better then anything else. Don't be afraid to put in some long hours.
Go to your local library and pull up a copy of the commercial record and...
Billy Said:There are those who despise Democrats because they are "Socialist"! Will U withdraw money if your bank fails?We Answered:Americans are known world-wide for their poor education. One indication of it is their lack of knowledge of the definition of words such as "socialism."
Sometimes I don't really care. If they want to act so arrogant all the time, meanwhile supporting the continued invasion of Iraq, then just let their economy fail, let them get sick and not afford health care....
Kevin Said:interview with Aflac,prudential,physicianmutual, which is the best insurance agency to work for?We Answered:I know a guy who sells Aflac and it is really difficult to sell right now because everything they offer is extra coverage and people are companies and individuals are really tightening their belts right now. I would think prudential would be the same way but PM offers health insurance which a lot of people treat as a basic necessity. If I were you the big thing I would be looking at is what type of residuals you get from policies. Basically if you...
Loretta Said:I will be having a son in oct and i myself and covered under my mothers insurance until I turn 19 but he isnt?We Answered:Call your county's human service department/welfare.
They should be able to assist you with an application for your baby.
I really don't know how your state works but in PA kids without insurance are eligible for assistance.
I had my daughter at 19 and had the same issue.
So call the county!
GOOD LUCK & CONGRATS!Amanda Said:address o9f florida's insurance conmissioner?We Answered:Kevin McCarty
200 East Gaines Street
Tallahassee, FL 32399
http://www.floir.com/Casey Said:if a homeowners insurance company in pinellas county florida is...
Caroline Said:I was rear ended in NJ and the police have all the insurance information???We Answered:I don't understand cops sometimes.
If you have full coverage on your car, then go ahead and submit a claim with your insurance co.
They will fix it (minus your deductible) and subrogate (collect) against the insurance co. of the other driver to get their $$ back and your deductible back.
If you don't want to do that,or only have liability insurance, then you just have to wait for the pol report to come out and get all the other drivers info off of that. Amy Said:Pit...
Guy Said:A quick question with regards to Insurance agency agreements?We Answered:3
The principal has to pay HIS companies on accounts written - so, normally 15 days into the month after the policy was sold - on agency billed accounts.
If it were a "direct bill" policy - the agent should be required to pay when the application is submitted.
Good luck and I hope this helps!Gertrude Said:When I rent a car online, I also purchase the insurance. But when I pick up the car, the rental agency will?We Answered:How about renting a car the old-fashioned way and calling them? That way, when you...
Calvin Said:Question about health insurance while studying abroad in Australia?We Answered:You will be able to find some travel insurance when you are abroad but nothing will cover your preexisting chronic condition. You will need to pay for the preexisting condition out-of-pocket, but you would be able to get coverage for anything new and sudden that might happen to you.
I want you to really understand that what you currently have is not insurance, but a policy that pays for your chronic condition. Providing health insurance for someone with a chronic condition is like insuring a sinking ship...
Kristina Said:Is this proof illegal aliens do depress wages company hired illegal aliens in an effort to reduce wages?We Answered:Absolutely this is proof illegal immigrants depress wages. They have been for years. There's no such thing as jobs Americans won't do. There are jobs Americans won't do if paid an illegal immigrant wage. It's unfortunate that these illegal immigrants have created negative stigmas about certain types of occupations.Maxine Said:Online jobs from india please tell Good online jobs?We Answered:http://online-earn-jobs.blogspot.com/
{Note for publishers: nutrition-diet Ads are give 0.81$/click, So select Nutrition&Diet ads. Please promote your Blog on US, UK,...
Seth Said:I can't find the NAIC for an insurance company. Where can I find it?We Answered:As you noted, they are an agency, not a company. Only companies have NAIC numbers. BR&D will represent companies that DO have NAIC numbers, though.
You can find COMPANY information at www.ambest.com, including NAIC numbers. But you have to figure out which company you're talking about, to get the NAIC. Examples of companies are Progressive, Geico, Travelers, Hanover, State Farm, etc. The name on the POLICY PAPER. Not the agency.Juan Said:Hi my name is Jossie im from boston mass age...
Tommy Said:Travisa travel agency in London?We Answered:This is a long running scam -- DO NOT respond or send any documents or money. There is no job waiting, there is no visa to pay for. Don't fall for it. This scam is run out of Nigeria, not the UK. You can tell by the use of the +447 0 phone number http://www.joewein.net/blog/2009/11/08/d…
Thom Luijben has already been reported as a scammer on the Fraudwatchers site back in 2008
http://www.fraudwatchers.org/forums/arch… - scroll down to 16 December 2008...
Marion Said:Pros and Cons of operating an insurance agency?We Answered:It's a lot of hard work opening up your own insurance company. Number 1, generally most insurance companies like Allstate, State Farm and Farmers require a bachelors degree. If she has one great, if not, they won't accept her especially without experience. It will be a lot of hard work for the first 5-7 years while you have to try to sell sell sell. That's basically what it is, selling. Once you have clientele going, you can live off of your new business and renewals. Eventually, it will be nice...
Antonio Said:I am looking to become open up an insurance Agency in New york. Does anybody know the requirements?We Answered:I USE THIS SITE OF ALL INFORMATION ABOUT THAT.
http://lnk.ms/5NldnVivian Said:Business names?What is a good name for an insurance agency?We Answered:How about BEST INSURANCE? Just like you said.Betty Said:What is the average number of clients a Insurance agency has say for 2-3 years in the business.?We Answered:It depends on what kind of insurance they are selling. If they are strictly selling auto, they could have hundreds of clients. Homeowners is the same. When you start getting into Business...
Andre Said:I been shopping around for insurance with different insurance agencies here in CA ?We Answered:Per California law: This fee is not set by law, and may be negotiable between the consumer and the broker.
Emma Said:How can i choose right name for my Insurance Agency in CA?We Answered:My suggestion is trying to get as much resource as you can before making final decision,here is a good one.http://insurance.online-frees.info/insurance-free.htmLeonard Said:How to find whose name(s) are on a house deed in CA? What service or agency to contact for that information?We Answered:The county recorder's office. (Note: That is NOT the same...
Kristin Said:Can I file a lawsuit against an irresponsible insurance company?We Answered:Sue the truck driver, the insurance company AND the company that the driver works for. Let them and the judge decide who is responsible to pay you.
You can only sue for your actual damages. You can't get "extra" money.
Your damages would be the cost of repairs
The cost of the rental car
The cost of all certified copies of things like the ticket that was given to the truck driver---I assume you at least called the cops!
The cost of the filing fees to take them to...
Charles Said:(3)After Wilson presented the treaty to the United States Senate?We Answered:This is your second question you've posted about your homework. My suggestion is stop waiting until the last minute to do your homework and pay attention in class. The answers are in the square book you brought home that says "History" on it. Try cracking it open and reading it instead of trying to cheat.Lori Said:Premises injury question with nearing 2 year deadline?We Answered:Call a lawyer, the odds are against you getting the answers you need here. Most wont charge you a fee for just a...
Ray Said:I dont understand this USA work can someone help me?We Answered:you're not going to learn anything by copying someone else's answers. nice try at cheating....
Lena Said:Does my non compete agreement restrict me from working in the same industry?We Answered:By the wording it says you can't do business with the same clients, in the same business (insurance). You can work in the same industry, but can't work with the same clients.
If you'd move to a different area, you'd be complying with the agreement...or wait one year and do what you want where you are now.Tiffany Said:Law regarding denied medical claim?We Answered:The most difficult part of answering Insurance questions on Yahoo! Answers is that the law varies between each State. Thus, it would be nice...
Vera Said:What do contract attorneys do for insurance?We Answered:Like all self-employed people they buy their insurance from companies who specialize in that. Check the yellow pages or google it.Lucille Said:As an independent life insurance agent, is it possible to contract with two agencies or IMO's?We Answered:This depends on your situation. You can contract with as many IMO's or FMO's that you wish. As far as the Agency you are with, that is another matter. It really comes down to your moral fiber. If that agency is providing you with an office, leads, etc. I would not...
Cory Said:I am financing my VW Passat and dont have money to pay for the auto insurance. Will they take away my car?We Answered:If you can't pay the insurance, then you can't afford and shouldn't be financing the car. Simple as that.
Any financing company is going to require that you have auto insurance. You'll pay for it one way or the other, and you'll certainly get a better deal if you buy it on your own.
Why in the world would someone who hasn't paid credit card bills in 2 months decide to finance a car that they can't...
Gene Said:Insurance issue... how do I resolve this?We Answered:So, first you call the hospital, and you need to say, hey, BCBS is telling us they paid this in full, and that I don't owe anything, what's going on? And listen to what they say.
Then, you have to call BCBS, and say, hey, the hospital is insisting that they didn't get paid, can you please send me a copy of the EOB statement, PROVING that you paid this, because it's going to collections.
Then, you send the EOB statement TO the collections people, disputing the debt.
You...
Doris Said:What is a good marketing plan for an insurance agency?We Answered:Focus your marketing both online and offline -
For online insurance marketing - http://www.findlocalinsurance.com/insura…
For offline marketing, run newspaper and local tv ads.Sheila Said:Receipting system for Insurance Agency?We Answered:Most agency management programs do this. I particularly like Ebix and Applied Systems.Leah Said:Any ideas for a start up company that will not conflict with the police agency I work for?We Answered:Have you checked with your agency's policies? Law enforcement is not a competitive field. Trade secrets are normally shared with other agencies. I don't know what the conflict would...
Ethel Said:Tell me what yall think? Should i make any changes? yes it is my resume?We Answered:Hi,
Your resume looks great. There are a few things I might change if it where mine:
If you have a GED, I would include that, otherwise I would just leave off the high school.
Including languages is huge. It is a very employable skill to have. I might just punch it up a bit and say "fully fluent in English and Spanish".
In your skills section you can take that up with some of your personal skills. Something like, "team player, outgoing,...
Irma Said:How can I fight a collection agency that ruined my credit for a bill insurance should have paid, but denied?We Answered:I work for a medical ins company. When we get claims submitted by the facility, we will request they rebill if its not billed correctly. If they never do, that is their fault and they should write it off. They legally can not bill you for that amount. I would call the ins company. If the facility was a contracted provider, the insurance company can call them and demand they write...
Lois Said:Question about renting a car including age, insurance, credit card -- please read on?We Answered:Each rental company sets its own policies, so there is no generic answer that applies to every rental company in every city. You'll have to make some phone calls to be sure.
In general -
Rental companies provide the minimum insurance coverage required by law. You are responsible for any damages above and beyond that. Rental companies sell additional coverage but it is VERY expensive. The rate varies by location and coverage purchased, but it can easily cost in excess of $20 per day.
Not having a...
Tanya Said:Does anyone know of a place where I can donate furniture?We Answered:There's probably several womens shelters in the area.
Salvation ArmyMildred Said:Failed court appearance?We Answered:Get you but to court and explain before the judge that you had been told that it was done and over with when you got the citation marked "violation corrected".
Even if they suspend your license you will still owe the $1000 fine. Get off you but and off the phone. Do you really not want to be able to drive in LA?Viola Said:License Suspended, fines now at collections GC Services, can I settle...
Debbie Said:American history survey question for my class?We Answered:the New Deal was an abysmal failure. almost all of today's economists agree that Franklin Roosevelt extended the Great Depression at least 7 years longer than it needed to last. the New Deal failed because it interfered with natural market forces that would've corrected themselves sooner than later. for example, for every government job that was created, more jobs were lost in the private sector, which were the only jobs that could've helped revive the economy.
today, Obama is taking us down the same path that Roosevelt took in 1933. also, for...
Willie Said:I run the financial services dept for a small ins brokerage. I need ideas to market to the p and c clients.?We Answered:First off, I would like to know what you are currently doing and what has worked, and what hasn't worked.
Next, what kinds of things do you want to do? Phone calls and mailers are great when used properly.
I also like referrals. That's my number one strategy for building a business. It just has to be proactive.
Do you have any really amazing programs that beat your competition hands down? If so, you really want...
Jenny Said:I was wondering if anyone knew how much profit an independent nursing agency can bring in, in south carolina?We Answered:Wait until the recession is over before you start you own nursery,if you do now it'll be at a loss.Tonya Said:How do I market my mom's insurance agency to a wider demographic?We Answered:Print up a bunch of business cards, and start knocking on doors.
Fliers annoy more people than they attract.Joann Said:I am interested to be an insurance salesman. I live in PA. How can I prepare for the license?We Answered:PIA in PA is very active, and does a...
Shane Said:I've been turned to collections. I need help.?We Answered:Very doubtful that they'd sue over this amount....Paying off slowly won't really help your credit.
Offer a settlement of $300 and go from there. You may be able to negotiate the complete removal of non credit card debts like defaulted cell, medical, utility bills etc. from your credit report with a Pay for Delete agreement. This is a written agreement where you get a signed agreement from the debt collector (PRIOR to making any payment) where they offer to remove the negative items from your credit files after an agreed-to amount is...
Ronald Said:foreign national dies whilst in miami hospital with no insurance can they claim from wife in another country?We Answered:You need an international lawyer who's domiciled in the country the wife lives in.
Certainly, any assets owned jointly by the wife/deceased are attachable, and they will NOT give up easily.April Said:Car rental for Roadtrip from MIAMI to TALLAHASSEE... HELP !!?We Answered:I think 26 is year where rental companies will allow their vehicles to be rented. It may be 21 but I am not sure.
You will have hard time finding the inexpensive company that will rent you a car,...
Felix Said:Is Obama's "financial regulatory overhaul" essentially the last piece of the socialist pie?We Answered:It is worse than that, it completely erodes the separation of powers under the Constitution whereby Congress controls the purse and coining of money, giving what tiny oversight there would be of the expanded fed to the executive branch, through the treasury secretary.
The separation of purse powers from the executive dates back to the Magna Carta. It is hard to understand why more aren't furious about this attack on our basic Constitutional structure....
Laurie Said:home health aide project!!!!! urgent plz help?We Answered:Try this one:
http://www.at-healthcare.com/...
Andrew Said:Who's responsible for the damage done to my vehicle in my car accident?We Answered:First things first.......Put the phrases "no-fault" out of your head. In MN it has absolutely nothing to do with who is at-fault. It pertains to who pays your medical bills and that is all. It has nothing to do with car damages or determining fault.
Insurance is mandatory in MN so the cops are supposed to ask for insurance information from each driver so it can be listed on the police report.
It is not too late, so you have two choices wait for the...
June Said:obtaining an insurance agency name?We Answered:You file with your state, to register the name you want to use, just like any OTHER business name.Tracy Said:what is a good name for a Spanish speaking Insurance Agency?We Answered:SERVISEG INSURANCE - Servicios de Aseguranza confiable (dependable insurance service)
It's Friday night for crying outloud. Couldn't think of a better one right now. ):
Cheers
(-:Vivian Said:I am looking for a good team name for an insurance agency.?We Answered:Affordable Benefits SolutionsGloria Said:I am looking for a name for my insurance agency I deal in Life Insurance and Health Ins.&annuities?We Answered:How about:
Mike E____...
Constance Said:I was charged loss of use fees by Thrifty w/o proof (fleet utilization log). Is this legal?We Answered:Apparently Thrifty doesn't want to get paid or doesn't understand the situation entirely.
If it ends up on your credit for some reason, you can protest it and go through mediation OR take them to court.
I think most people will find the company to be unreasonable and agree with you (provided we have all the details here) and you will end up with a judgment in your favor.
You may try talking to the supervisor of the person who is refusing to provide the...
Joann Said:Are there any laws that say an employer must pay a % of health insurance?We Answered:You're mistaken when you say "I know the law requires they offer health insurance." Such is not the case. Offering medical insurance is an inducement (a perk) to make employment attractive. Most companies that offer it do so because it helps them to compete for good employees.
I agree with you that the medical insurance being offered you is not worth much, but that is a sign of the times. As more and more companies struggle to maintain profitability and look for ways to cut...
Wilma Said:How do I get my P&C Insurance License (NY)?We Answered:http://www.ins.state.ny.us/prelcdoc.htm
There's the state website with the info. You can ALWAYS call them and ask them directly, however, it LOOKS from the website that you NEED the prelicensing course paperwork in order to take the state exam.
Everything you need to know is there.
You could ALSO check with someone you work with, although the licensing laws HAVE recently changed.Brittany Said:UNITED STATES SUPER BIKE INSURANCE? FOR NY OWNER.?We Answered:You need a local, independent agent who will do this. Pocket bikes are a niche market, and I don't know...
Yvonne Said:DLA AND CARE COMPONENT TO BE AXED WHAT DO YOU THINK AND WHAT OF THE ELDERLY AND SICK?We Answered:This government has wasted so much it is without doubt the elderly and sick will suffer at the hands of local authorities who will no doubt use the money for other debts they already have , people who receive these benefits are already vunerable and have little independence , this will now be totally removed and i would imagine the stress of trying to get help that will be removed will kill off many elderly and sick people perhaps this is...
Rita Said:when you purchase insurance online do u have to go into an insurance agency to verify anything in person or is?We Answered:They have fax machines, e-mail, regular mail, etc. If they want to see it and do not have a local agency, they can tell you how to send them a copy....
Alan Said:Renter's insurance in Edmonton, Canada?We Answered:It depends on how you wish to proceed. Your best bet is to speak with several brokers and discuss your needs with them. Take a look in the Yellow Pages or see if any of your family/friends can recommend someone. Brokers will be able to shop among several companies for you and have extensive knowledge. Most major banks sell insurance as well, and you may be able to get a quote online. However the agents you speak to (if you speak with anyone at all if you do it online) only sell the bank's...
Rick Said:Obamacare for illegal aliens overstayers, and deportation fugitives would be spared but not Americans why ?We Answered:the thing is what about people like my self that as a LEGAL immigrant had to ensure that we had medical coverage etc in place, and my documents state that I can NOT get a dang thing from the social coffers no matter what, hardly gives any one the incentive to do things legally does it.
Also as some one from a socialist country [the UK] I can tell you the ONLY thing that "free" medical brings is a boat load of people that...
Maureen Said:I just got a call from an insurance agency about a job and possibly becoming a licensed agent later. Help?We Answered:In Texas you must take classes and take a state mandated test. Sometimes your employer will pay for all of this. Income depends on how good of a salesman you are....I suppose the possibilities are unlimited. If they want you to start working out for straight commission or very little pay plus commission, I would look elsewhere. Do an internet search for the company name and find out what people are saying about them...
Roberta Said:Can a regular employee at an Insurance Agency fax endorsements or do customer service?We Answered:Clerical work does not need a license. Anyone doing quotes or giving advice or processing applications need a license. If your not sure what is happening then call the insurance commissioner or file a complaint on line.Lena Said:someone can recommend an english insurance agency in tenerife with GOOD SERVICE?We Answered:Hi John, I recently moved down to Tenerife and i got an insider tip: the English Office of Zurich in los Cristianos. I'm very happy with the service: good rates and really nice...
Constance Said:Will this resume get me an entry level internship at an insurance agency?We Answered:The only person who can tell you if you'll definitely get a job with this resume is the person who sees it and hires you.
Personally, I think your resume is too wordy. Most HR people who have to read a bunch of resumes all the time are looking for *A Stand Out* (in the crowd) type of person. Put it on a quick diet and only put in the best, most pertinent information necessary. Good Luck!
Cheers!Eleanor Said:What do I need to...
Denise Said:What agency will investigate fraud, abuse or illegal activity in government medical insurance programs?We Answered:The libs will appoint some corrupt group to keep an eye on things...Maybe Barney, Dodd , and the rest of the group can help, they did soooo much for the banking and housing problem.
As far as the poor getting legal help, Legal Aid is available to them...
all they have to do is call.Deanna Said:Im an independent insurance agent. How do I organize my business?We Answered:Setwrite (I believe it is put out by AMS) rating system is web based & you put in the information...
Arthur Said:What are some good Agency Management Systems out there for Insurance companies?We Answered:Applied and AMS are the "big boys" in agency management software. Most larger agencies will go with one of these companies.
If you own a smaller agency you might want to consider:
DORIS Systems www.dorissystems.com
Agency Advantage www.agencyadvantage.com
InsurancePro www.insuranceproonline.com
Agency Business Systems www.agencybusys.com
AMSoft www.amsoft.org
You need to do your homework so that you know what functions you want your agency management system to accomplish. Obviously, the pricier systems are going to have all the bells and whistles built in.
If you want to interface with your company online systems check with your...
Ida Said:Why can't liberals leave me alone?We Answered:Awh, you poor thing.
What a bunch of b*stards !
You want to try living in Britain with a comprehensive welfare system & a national health service, free at source for all. Where the minimum wage is a living wage & none of our food is laced with growth hormones.
They just don't care whose lives they ruin, do they ?
At least with a new right-wing government they've started making students pay for higher education, so that will make sure that the children of poor people wont be burdened with having to do any of the...
Julian Said:Ballpark this: How much money would an ins. agency have to gross for the owner to have a million dollar home?We Answered:Are you talking PREMIUMS, or REVENUE(commissions?)
And . .. how much INCOME does that owner need to have, to pay for a one million dollar home? Are they married? does the spouse kick in?
and . . . how much do they pay to the employees? And how much are they spending on employee benefits?
Generally, a one million dollar book of business will generate roughly $100,000 of gross income for the AGENCY, which would pay for ONE...
Marlene Said:My house was hit by a car?We Answered:Not having renters insurance is a killer for you on this deal. You would have had more coverage for your personal property and possibly coverage for staying at a hotel etc. It's the best $150 a year you can spend. Once you get settled you need to buy some.
First off ask the Unitrin adjuster for a copy of the drivers "dec sheet." This shows how much coverage the driver has available. That way you can verify is she only has $10,000 of coverage. That is a really low amount for property damage...
Arthur Said:Please help evaluate this website.?We Answered:In my honest opinion I thought I was entering some sort of kids site bc of the toy looking images (the house, the car and the 2nd house) until i read around + under learn more it doesnt look so great on mozilla firefox browser.
all in all awesome siteBeverly Said:Please help evaluate this website.?We Answered:Besides your color choices, which I think are horrible, it is not bad.
~...
Brandon Said:i am looking for malaysian insurance product for children?We Answered:www.etruehealth.comTerrence Said:Will my parents insurance agencies notify them if i get married?We Answered:i don't think they will since you will need to notify the insurance company. You will legally have to notify them anyways otherwise its insurance fraud. Just tell your parents. That's the adult thing to do.Brian Said:Has anyone ever heard of an insurance agency by the name of Clements International?We Answered:They aren't an insurance COMPANY. They are an insurance AGENCY. That means, they sell insurance, they don't issue policies.Jacob Said:Is there any website...
Yvonne Said:Are there websites where i can find a business partner In NYto open a physical therapy clinic?We Answered:The national PT association does not approve PT practice bein owned by physicans. Patients have free will to choose what therapist they want. If they go to an MD who owns a clinic they are often forced to see that PT no matter how good or bad that PT is. Find a PT as a partner.Kim Said:Does anyone know of travel insurance which will cover me in case my travel agency goes bust ?We Answered:Actually, TravelEx does: http://www.travelex-insurance.com/index.…...
Clayton Said:Is anyone an insurance agent or broker?We Answered:What insurance agency do you work for (optional question)?
I'm going to pass on the name, but it is one of the four largest companies in the US.
Do you enjoy working in the insurance field?
I love working in insurance, it grants me the opportunity to help people financially today and down the line. When I find someone with inadequate coverages I am able to help remedy that situation and people love saving money when there is money to be saved. Additionally, life insurance offers its own rewards. Helping a family...
Ashley Said:how to become a corporate agent of multiple insurance companies?We Answered:Karvy stock broking offers multiple financial products to their associates, including IPO, stock broking, commodity broking, mutualfunds, insurance, TIN TAN PAN facilation centers, try this site.
http://www.karvy.com/v2/fortune/fortunes…Katrina Said:what is the commission given for insurance agent by insurance companies?We Answered:Its 15% of gross premium collectedHerbert Said:Is Yale Insurance a reliable company, and is it an "agent" representing other insurance companies?We Answered:Your agent should have knowledge of other insurance companies financial integrity.April Said:Insurance agent?We Answered:Well, starting out, it's easier to get set up if you're a captive agent, writing for just...
Enrique Said:Need Suggestions for NEW Online Insurance Agent Profile Directory: Find / Search Engine ( www.OIAgent.com )?We Answered:your site is really great. for suggestions mail me milleniumshankar@gmail.comSteven Said:Need Insurance Agent Requirements?We Answered:hey even my girl friend is working in max new york life insurance and she has a task of appointing insurance agents.
so u wana have any info contact me.Lauren Said:Looking for Insurance Agent Requirements?We Answered:I think the first step to identifying an expert in that field is that they can clearly identify areas that they work well in (not just "I do auto" or "I do life"). If...
Ana Said:How do you become an Insurance Sales Agent?We Answered:In every state I know, one must be licensed in order to sell insurance, or even to make a quote! Go talk with an Independent Insurance Agent and get information applicable to your state.Tara Said:Insurance Agent Jobs: Which Job To Take (Farmers or AIL or Altig International)?We Answered:Look at AM Best. This handbook rates insurance companies and look for an insurance company that has a good and long track record.
It depends about how ambitious you are. The beauty of the non-life insurance is that you have residuals and...
Regina Said:If I hold a Life insurance license in NYS how do I obtain a Health Insurance Agent's license?We Answered:Check w the state insurance commissioner's office or the website the state maintains w licensing requirements. Most states offer the life & health exam as a combined entity covering a cross section of questions from both areas.
Passing it and paying the fees , etc gives you the basic requisites for licensing, but then my experience w ins licensing is in MD , not NY
Good Luck !!Alberto Said:WHAT ARE THE REQUIREMENTS TO TAKE THE EXAM TO GET...
Darlene Said:i am recruiting insurance agents. Does anyone know what websites are good to use for recruitng agents?We Answered:You can use: http://www.monster.com http://www.ultimateinsurancejobs.com http://www.hotjobs.yahoo.com http://www.careerbuilder.com
Good Luck!!Connie Said:what is the role of sales and marketing and finance in recruiting an insurance agent?We Answered:So many questions... so little space in which to answer.
You may find it useful to contact a few insurance agents and ask to interview them. I am certain that you will find several willing to answer all of your questions.
Hope this helps!Jerry Said:How do I go abouts recruiting Insurance agents into my team?We Answered:Well, you must be in...
Sheila Said:All Agents and Brokers....?We Answered:No big deal. Most people don't care about the words we use and there are better ways to describe the differences.
http://www.clarifinancial.comEva Said:How can I find an independent health insurance agent/broker in Virginia?We Answered:www.NetQuote.com
I am an independent agent. They email me people needing my products and services as soon as they complete an online questionairre. Be ready to answer the phone or check your email within a half hour..Raul Said:How to get bonded as an insurance agent/broker?We Answered:I've never known any life/health agents or brokers who have needed a bond. Depending on...
Mike Said:do insurance brokers sell insurance higher than insurance agents?We Answered:Chris nailed the answer, but let me explain why it seems some brokers are more expensive. There are times when brokers are niche agents. They work within a select line or coverage and really know their stuff. When an agent gets really good at something, they usually get a little more preferential treatment at a company because when they bring a risk to a company they have it all neatly put together for the underwriter. Sometimes these brokers are specializing in the hard-to-place markets (hazardous waste handlers, high-rise building, etc)....
Dwight Said:how can i suceed in insurance business?We Answered:self motivation is the best one for any profession or business and in currunt senerio any profession which concern financial matter is going to very successive. dont worry try and try win the race....
Charlene Said:How are forced health insurance and auto insurance the same?We Answered:They are not the same. People have the option of driving a car. If they decide to take advantage of that option, then they are required to have insurance.Debbie Said:How does auto insurance work in this situation?We Answered:Yes you can do this. When you get the new car you just bring in the cars information and tell them you want to switch the insurance to the new car. it is easy and it should not cost anything if you are up to date on your payments. You...
Alma Said:What i need for start insurance Business?We Answered:A company willing to let you sell their insurance, an insurance license in wherever you live, a means of contact (i.e. phone), technically it would be possible to get away with not have a place of business (an office) if you have a laptop with whatever the appropriate softwhere is though you will need a mailing address.Terrance Said:Insurance business introduction to the community and friends and family letter?We Answered:Don't waste your time with a mailing campaign. Unless you already have a client base that you want to share information with, sending...
Hilda Said:What do I do about car insurance when buying a new car and trading in my old one?We Answered:1. Cancel a policy early and you will typically pay about 2 months worth of insurance more than what you have used plus an administration fee which can be as much as £80. Your policy documentation will have the terms for early cancellation set out in it.
2. You will lose the benefit of the short term policy adding to your NCB and it may make it difficult to prove NCB to a new insurer as you do not have the renewal...
Renee Said:Looking for auto and home insurance recommendation in Castle Rock, Colorado?We Answered:There are so many good home and auto insurers that to single any one out is a disservice to all of them.
If you currently have auto and homeowner's insurance in Wisconsin and you are happy with the company(s), then just ask your current agent for an agent recommendation for your new location.
Be prepared. Wisconsin is among the lowest priced states in the nation for auto insurance (Colorado used to be among the highest until it dropped No-Fault insurance a few years ago...not it is middle of the...
Audrey Said:Insurance broker!!!?We Answered:Contact a bank or banking institution and ask for an insurance broker and pick their brains clean with questions!
Hope this helps!...
Ricky Said:On principle, does this aspect of billing for medical care bother you?We Answered:Sort of.
It would be nice, but will never happen.Jill Said:Is there a directory listing for Chicago Mutual Insurance Company?We Answered:I think u may have the name of the company incorrect....please recheck your records...Harvey Said:anyone know how i can research a psychologist?We Answered:http://locator.apa.org/Jaime Said:Does anyone have Avesis for a vision plan insurance?We Answered:I can tell you from the doctor's perspective that Avesis SUCKS. That's why you can't find anyone who takes it but Walmart. I would suggest you talk to your regular eye doctor. Sometimes...
Tammy Said:I'm looking to change car insurance companies. I currently have GEICO in NJ and my rate is 733 for 6 months.We Answered:You would be best served by a LOCAL independent agent. Typically, an independent will have a dozen or more companies to choose from to fit your individual needs.
Just look in your local phone book for the PIA or Big I (Trusted Choice) logos and you should find a professional agent there to help you. In NJ, you also have the NJAAA - New Jersey Auto Agents Alliance headed up by John Kerry Dyke. You might google...
Evelyn Said:What is the BEST PET INSURANCE COMPANY IN USA?We Answered:It really depends on what you want your dog to be covered for and how much you're looking to spend on deductibles and things that aren't covered by your plan. http://petinsurancereview.com/ is the best place to get information on different pet insurance companies, and you can read through a lot of reviews to learn from other people's experiences.
I'm currently researching different pet insurance companies as well, and I'm probably going to go with either Pet First or Trupanion. Both of those companies have a really good track record for quick...
Rhonda Said:Where can I find a list for medical utilization with regards to car accidents that insurance companies pay out?We Answered:You're not going to find that list, at least, not for free.
This is part of the proprietary data that insurance companies use to create their rates - trade secret. They heavily guard that information.Theresa Said:PLEASE TELL ME THE TOP 10 INSURANCE COMPANIES LIST?We Answered:TOP 10 PLAYERS IN INSURANCE
Life Insurance corporation of India
Bajaj Allianz General Insurance
ICICI Prudential Life Insurance
ICICI Lombard General Insurance
...
Arnold Said:How do insurance companies come up with there premiums?We Answered:It's called buyer beware you should never assume that all parts of home loan are the best priced. Insurance especially should be shopped with other carriers on a regular basis to ensure you the best pricing. And it's not illegal after all you signed the loan repayment agreement. Ethics on the other hand is a completely different issue but then we all know about ethics and the home loan sharks.Ryan Said:Do you know any Insurance companies that would do 6m Car Insurance?We Answered:Try a different angle of approach here if...
Vickie Said:For those who "blame" the Insurance Companies, is it because Obama says so?We Answered:Surveys show that Americans are satisfied with their health care but not so satisfied with their health care providers. Most of whom are saddled with arcane and inane government rules and regulations . So Obama switched tactics to vilify the Insurance Companies as the major problem to gain sympathy with the people. As if he is really on our side ya right...
Natalie Said:Which USA car insurance companies provide the best rates for NON-USA license holders?We Answered:Try this site
biinsurance.notlong.com
Here you can compare quotes from different companiesSonia Said:The future of life insurance companies in USA?We Answered:I work for an insurance company. I can tell you what the future is. Let me say...almost 95% of agents I have dealt with, are rude, not helpful, and lazy. They never call their customers back. When customers have a question, they respond by trying to sell them more insurance. This is why I think the number of agents and life insurance companies are decreasing. Agents are not...
Alicia Said:What insurance company in America is insuring Smart Cars?We Answered:I found the best options here. Good luck!
http://all-car-insurance.blogspot.com/Jeanette Said:Is CICA life Insurance company of America good?We Answered:CICA Life Insurance Company of America (a member of Citizens Inc Group)
A.M.Best #: 06228 NAIC #: 71463 FEIN #: 840583103
Address: P.O. Box 149151 Austin, TX 78714-9151
Phone: 512-837-7100 Fax: 512-836-9785
Web: http://www.citizensinc.com
The company is just 7 years old.
A.M. Best does not follow this company therefore no opinion is rendered regarding financial strength or the relative ability of an insurer to meet its ongoing insurance obligations. A.M. Best's rating system has a proven track...
Christopher Said:Auto insurance company needs more information about you?We Answered:YOUR auto insurance company already has that information.Mitchell Said:Can I report fraud to an auto insurance company?We Answered:It's not fraud. It's just a small misrepresentation on the application for insurance.
The difference in premium between driving 7500 miles a year and 8000 miles a year is so small (if there is any at all) it's immaterial.
Even if the person had a claim and the insurance company discovered the misrepresentation it's not large enough to void coverage.
The only misrepresentations on an insurance application that will affect insurance coverage are ones...
Terrence Said:Letter template to a health insurance company of a business address change?We Answered:a simple letter is stating you are moving locations and include your old address and phone number and the new ones. make sure to include your tin, so they can update their records correctly.
the simpler the better....
Erin Said:Anyone ever heard of a car insurance company called The Electric Company?We Answered:Another of the many braches of GE.
Our Electric Roots
If you’re wondering how we got our name, you’re not alone. How does a company that sells auto, homeowners, condo, renters, umbrella, and special lines insurance end up with “Electric” in its name?
Well, if you guessed it has something to do with one of the world’s largest and most respected companies, you’re correct. The Electric Insurance name comes from GE, as in General Electric, and that’s where our story begins.
Back in 1927, our former parent company, EMLICO, was formed...
Wilma Said:creepy insurance company commercial?We Answered:Donnie Darko is my guess...
Mark Said:Is it true that dogs can't look up?We Answered:WELL LESSEE....my girlfriends dog (cody a golden retriever) could definetly look up when he tilted his head. But he could not look up an address in the phone book....
Joan Said:I lost my eMac in a house fire. What will my insurance company give me in replacement of that?We Answered:Oh, they should give depreciated value for that, along with the rest of your items. If you have replacement cost on your policy, AFTER you replace it, they'll give you the difference.
You'll have to negotiate with the adjuster, what the "replacement" cost will be.Martha Said:Do I have to use the money from the insurance company to pay for damages to my house or can i just keep it?We Answered:Well, you don't HAVE that money - Countrywide is NOT going...
Arlene Said:I want to do one time investment in insurance company . which one is the best pls give me the suggestions?We Answered:MedicaidRandall Said:Rent Loss Insurance (for investment property) - any company recommendations?We Answered:a lot of commercial rental property insurance includes rental income coverage. i was a little surprised by this, but found out when i was in your exact situation. check with your current insurance agent, if it's not already part of the policy, then they should be able to add it.Kelly Said:Is Globe Life Insurance company a good investment?We Answered:Please, run away! What a joke of...
Julio Said:Is Western Southern Life Insurance Company a good company for life insurance?We Answered:It is not a bad company but why you are not getting that from a better and well known Company? There are a lot of companies who are bigger and well known like Metlife, ING, Prudential and .....
and they are very comparative price wise as well. My suggestion is to shop some other companies.Roberta Said:How long does a life insurance company keep a death certificate?We Answered:Are you expecting the death certificate back for some reason? Not likely they will return it at all. The certificate...
Jimmie Said:Where can I find a simple list of every Insurance company and their location?We Answered:I would think the Dept of Insurance would have that information. Each state has their own. It might take a little time to go to each website though! The companies would be listed in the state where the home office is located. Google Department of Insurance. Good luck!Pauline Said:What should be included in a list of uses I had for my car as requested by my insurance company?We Answered:drivingBrenda Said:how do get added to an insurance company healthcare provider list?We Answered:You...
April Said:Health Insurance did not follow my requests in Appeal Process?We Answered:Aetna has already made that information publically available on its website. They are under no obligation to provide you anything further than that.
Here are the studies cited in the website - it took me less than 5 minutes to find the documentation. (Additionally, its unreasonable for you to expect them to provide you with detailed information about other insurance companies.)
Continuous Glucose Monitors
The U.S. Food and Drug Administration (FDA) granted the MiniMed CGMS (Medtronic MiniMed, Minneapolis, MN) pre-market approval in June 1999 for use as an adjunct to...
Jerome Said:Does anyone know the name of the life insurance company with an Indian logo?We Answered:Mutual of OmahaRodney Said:what is the name of the company engaged in insurance services in australia that has umberlla as its logo?We Answered:traveler's insurance ?Bernard Said:How to make money selling insurance leads?We Answered:I understand.
However, you would not be able to write up your own form, because the insurance business is a contractual business, and they would still have to fill out paperwork for the insurer. You can't get around this step, as they have laws to abide by in each state. Your best bet would...
Jesus Said:If I work for a company in Massachusetts and I live in Oregon, can they provide health insurance?We Answered:That sounds really strange. You should be able to use their insurance even if you are stuck using out of network providers in Oregon.
It's even stranger as Mass has a state law requiring everyone to have medical insurance.
Ask them for a pay increase to help off set you buying your own insurance.
In any case the saving you have by living in Oregon vs Mass should cover your insurance any way if all else fails.
Plus you get to...
Lillie Said:Looking for a insurance company name in South Carolina?We Answered:vibes, Health insurance can be very tricky. Since I'm from Rhode Island I'm not familiar with the New Jersey laws and regulations, so I recommend you visit a nearby insurance agent. http://www.goodinternetdeals.com/Health-Insurance.html They will be able to assist you.Steve Said:how can i find the auto insurance company named loyloa cassuaoy.?We Answered:Do you mean Loyola Casualty? if so, there is no such company.Denise Said:How to find the other guys insurance company?We Answered:You are supposed to get that information from the other driver at the scene of the accident.
Call the other...
Harvey Said:Can I get a new phone online with AT&T insurance online or by phone?We Answered:Hey, it's good to hear that you have insurance, but I'm sorry your phone was stolen; that really sucks.
To file a claim with your insurance company, you can simply called Asurion at 1-800-562-8662. There is an automated system you will need to go through; they will ask you questions about when your device was stolen and similar questions. Then, you will be directed to a customer service agent. They will verify some information and ship out a replacement phone. ...
Clyde Said:Will my insurance company find out about my other accidents?We Answered:What, you are a bad driver and you think you can continue to hide it? Not a hope in heck. If you change insurers, you have to answer a question about any accidents, at fault or not, in the last 3 or 5 years. Lie, and it comes out when you make a claim, your claim will be denied.
Your present insurer may or may not ask you for a new disclosure, and they may or may not check public records on accidents. However, after that...
Jeremy Said:Can an insurance company raise your rates even though you've completed 12 hour traffic school?We Answered:Sorry the violation doesn't actually disappear it goes into limbo. Nothing changes the fact it happened, the traffic school erases the points from the DMV records, but insurance companies have their own point system. Whether or not the insurance company raises your rates depends totally on the points they rate the original offence on their scale.
It is also highly dependent on how many years you have accumulated accident and conviction free on your record before the offence.Glen Said:Can your health insurance company...
Corey Said:I just got hired as an agent for Liberty National. Is this legit?We Answered:Liberty National is rated A+ (Superior) by AM Best, so it's definitely a legitimate and reasonably strong company. Do keep in mind that you're not starting a job; you're starting a business, and an extremely challenging one at that. New agents can expect to work 60+ hours per week for at least three years, before building one's business to the point that it is viable. Only about 4% last the first year.
If you are successful, few careers could be more rewarding. Good...
Paul Said:Should I ditch my Genworth term life insurance policies?We Answered:Be careful when considering this change.
First, never cancel an existing life insurance policy until you have applied for, and been approved for, and paid for your new life insurance policy, to replace your existing policies.
Make sure the new life insurance policies are "In Force", before canceling any existing term life insurance policies.
Hopefully you may be able to find more affordable rates for your term life insurance policies.
A study conducted in 2007 by the Insurance Information Institute reported that rates for term life insurance have decreased by 50% over the...
Eleanor Said:I am keen to set up an employment agency in Singapore specialise in domestic maid. Wonder anyone can advise ?We Answered:i saw a book about this business ins & outs at Singapore Library. You may want to borrow the book, it should be very helpful. It's under Singapore Collection.Terri Said:Canadian Real Estate Agents: Can I collect Employment Insurance (E.I.) while employed by a Real Estate agency?We Answered:You should call the E.I. office and ask how much you will be eligible to collect after your severance runs out. Typically one doesn't get much severance and then E.I., it's sort...
Melanie Said:Are the CSA legally entitled to be given details of my partner's income details?We Answered:The CSA can only legally obtain income details of the absent parent. As your partner is not the parent of the child then NO they cannot ask for details of her income. Just tell them she does not work anyway and you are the sole income earner.
My husband had dealings with the CSA a couple of years ago. He has a child who at the time was 15 from a relationship that ended just after she was born and he had been denied access....
Roy Said:How much do auto insurance agents make there first year?We Answered:Breaking into insurance sales is very tough. Many agents have parents who own agencies, and learn the business that way. Many more work for an insurance company in marketing, etc. This allows them to learn the business, and then they can buy out an agency. There are a few companies that are willing to hire and train you. But those opportunities are few.
The best way for a person without connections or years of experience to break into the field is to get a customer service rep (CSR) position at...
Alberto Said:How do I find out what insurance companies certain businesses have?We Answered:A lot of the bigger carriers are "self insured" up to a certain retention level, and then have a "umbrella" for MAJOR damages.
Stop by your local Enterprise Rental place and ASK them - they'll tell you or look in their glove box. Some have stickers on the back driver side window.
If your "business idea" can make money........it's probably already been tried and disgarded.
GOod luck and I hope this helps!...
Wanda Said:In insurance industry, why Tide agency is called Tide agency?We Answered:hi,
Maybe u are refering to Tied agency (maybe u need to check the spelling at your end) .
In Tied agency, the Insurance adviser only represent ONE insurance company. They will do financial planning for their client and sell their company products accordingly. Usually these tied agency are rated the top 4 to 5 companies of in the country.
For General Agency, We call it the Independent Financial Advisory company. They can represent a few principal insurance companies and can sell different company's...
Kristen Said:i want to become a texas insurance agent for auto, home, life?We Answered:There are not mandatory classes to take the test. There ARE mandatory "continuing education" credits that must be completed every two years.
Yes. Study for the exam, pass the test, pass the backround check, and voila! you're an agent.Jay Said:How much auto insurance do I need if I own a home and some other assests?We Answered:Yes, you can sue someone. However, unlike you, they might not have any assets. You may not be able to collect from them if they do not have...
Travis Said:how can i start my own insurance business from home?We Answered:You don't. The law regarding insurance broking will not accept anything not professional. You will need bonds and professional indemnity insurance and these are nearly impossible to get from a home business address....
Melissa Said:anyone know a good insurance agent job(independent agents)?We Answered:Any company is good since you'll be working on commission. In other words, unless you produce, you won't eat. As long as you have a license most companies will eat you up. If you have experience some of the larger companies may initially seem reluctant, since they want to break you in with their methodology and not what you've learned.
The more training you get (i.e. LUTCF or Chartered Life Underwriter) the more competent you'll be...and the more sales you've obtain....
Tara Said:Just opened my insurance agency, how do i market?We Answered:Here's what I use:
Internet leads
Mailers
Network Groups (I've had good luck with BNI and Chambers of Commerce)
Website listed on Google, Yahoo, and MSN
Yellow Pages
With all of that, I spend somewhere around $1,400 a month and average $31,000 in premium from it.
Minnie Said:marketing to insurance companies?We Answered:BE PART OF REAL ESTATE HISTORY!
AND SEE YOUR BUSINESS GROW!
www.RizingBandzRadio.comBecky Said:What are some successful marketing strategies that have worked for you?We Answered:I firmly believe that direct sales (cold and warm calling) are terrific ways to reach people. They are free and time after time I'm...
Delores Said:Who is a Genuine financial advisor ? Which is the Govt. approved agency for the registration of it ?We Answered:In what jurisdiction? This question is specific to national and state or provincial laws....
Valerie Said:Any tips for a 26 year old thinking of starting a State Farm Insurance agency?We Answered:State Farm, like most 'captive' companies or 'direct writers' (agents sell for one company exclusively) , has a very good training program for new agents. The agent training program (in most states) is 6 months or longer in duration. It involves classroom training and field (agency) training. You have to be successful in selling bank and life insurance products(along with home and auto) before you get assigned an agency. They will start most new agents out with a salary or...
Zachary Said:Car insurance quote before buying ?We Answered:You will have to shop around as you do.
Get a quote from insurers you get from yellow pages or from the web.Wanda Said:How many years no claims bonus does it take for your car insurance quote to be at its minimum?We Answered:most companys i've tried req 5+ for maximum discount
(try elephant .co.uk)...
Frank Said:Has anyone ever claimed off Tesco Home insurance?We Answered:homeinsurance.awardspace.us - try this one. Got my home insurance from them. As I know they provide such a service....
Mathew Said:Does getting insurance quotes ruin your credit score?We Answered:No, it won't.
You are not seeking any kind of credit, mortgage or auto loan.
So now you can breathe easier.
http://www.myfico.com/CreditEducation/Cr…
I
http://banking.about.com/od/loans/a/insu…Jeanne Said:Is it better to get a car fixed through insurance or out of your own pocket?Can Insurance raise the premium ifWe Answered:It really just depends on the cost.
If it's a low cost repair and especially if it is below any deductible on your policy, you might as well just go ahead and fix it yourself.
Your deductible is the amount you would have to pay out of pocket anyway if you file claim.
Good...
Edward Said:Can a joint sdavings account interefe with your relative's life insurance rate?We Answered:NO! It couldn't happen. The one (savings account) has no bearing on the other (life insurance).
If you have ANY doubts pick up the phone and ask the insurance agent.
Hope this helps,
JimEva Said:who does the rating in insurance products. the agency or the carrier?We Answered:The Agent themselves doesn't do any of the 'decision making'. The agent basically makes a recommendation as to what product to go with and the amount, provides a quote, then completes the application with the client. From there the applications...
Dianne Said:Has anyone else received the follow-up letter with an attached application?We Answered:This is a scam that has been going around for months. Do not respond to them. There is no such company
Bahnhofstrasse 52 is a building offering serviced offices for short term rentals, no legitimate global company is going to use a temporary address for their global headquarters http://www.themovechannel.com/property/o…Terri Said:Possible Con artist on Internet!?We Answered:report her to facebook, and if anything suspicious happens in the real world call the cops.
It was most likely just a person collecting addresses so she can spam/junkmail you, so don't freak too much.Lawrence Said:AARAS...
Clayton Said:Quality Insurance leads company u suggest.....?We Answered:I use NetQuote currently. The person who set me up was great and they even gave me a month for free to check and see how it worked out for me because they were so confident that I would do well with them. I close about one out of every four that I buy. I would be happy to pass on their information to you so that you can see if they operate in your areaVicki Said:Life Insurance agency start up?We Answered:Simply go to some insurance company and tell them...
Roger Said:Does any one have a Hotel waiter Staffing agency?We Answered:http://jobs.trovit.co.uk/jobs/uk-waiter-…
established independent UK Recruitment agency recruiting for Bars, Restaurants and Hotels across the UK... Section Waiter / Waitress, (Chef De Rang), LIVE IN, We are currently working with a hotel... role:We are looking for a section waiter / waitress (Chef De Rang) to run a section in the Restaurant... hotels in the groupNext step:To apply for this Chef de rang (waiter/waitress) position in YorkshireAlfredo Said:Need help with employer insurance- I found out pregnant after hired on but covered under temporary insurance??We Answered:That insurance coverage doesn't sound bad at all compared...
William Said:What companies do not have health insurance?We Answered:WALL MART!!!!!Jesus Said:what is the average temp agency profit, not insurance/workers comp, or tax fee. Just the hourly profit?We Answered:Probably on an hourly rate basis, they are. However, when you add up vacation and holidays, plus benefits, taxes and insurance, it's about an even trade for most entry level positions. So, if you got a 50 cent raise, you're actually getting ahead. Remember, with holidays, your salary is automatically boosted by about 10%. Add the other costs, and you'll see that nobody is getting rich, but you are...
Lucille Said:Look! Auto Insurance?We Answered:If you want to check out whether a company is licensed in your state, it is best to check directly with the state of Michigan. The website for you to look this up is http://www.cis.state.mi.us/fis/ind_srch/…
I checked and the Agency is licensed. You can check other agencies at the same website.
The only thing is that I also viewed the website for Look Insurance Agencies and they state that they are an agency that specializes in non-standard or high risk insurance. Basically people are placed in the non-standard or high risk...
Laura Said:I have been sacked by the police force number 2?We Answered:Hey
This has nothing really to do with your post but you were in the police force so I was wondering if you could tell me something. If I were to get fired from my job as a stock room worker at Wilkinsons, would it majorly affect my application to the police force?Mathew Said:Mexican president decries growing harassment of migrants in U.S And Mexico has such humane immigration laws ?We Answered:perhaps instead of spending the money on mexicans in U.S. image awareness they should spend the money on increasing wages...
Lois Said:I had 2 accidents with an International Drivers License, do the insurance companies keep them in records?We Answered:the insurance companies do keep records but they don't give that information to the department of motor vehicles of any state... Insurance companies are only responsible to inform them of cancellations.
If your international license was suspended then yes, you have a record by your name (no social security number needed) and the state(any state) will issue a temporary state driver license number so they can suspend your license. But if you didn't get a ticket or a letter from the...
Carol Said:can I get arrested for not paying traffic fines in Iowa and Nebraska?We Answered:yes you can, I work in a law office and I see this all the time. you can go to the website of your sheriffs office and look to see if there is a warrant for your arrest. IN most cases you will get arrested because of not paying the fines. It is always best to pay the fines instead of having to bond yourself out of jail hire an attorney and eventually pay more fines and court costs. PAY THOSE TICKETS!Donald Said:Legal Advice Traffic...
Clifton Said:I'm applying for a job at an Insurance agency and on my resume I need a little help.?We Answered:I like PB2u answer, in addition to something like that put something specific to the job position as well. If they advertised for an Insurance Agent mention that you are applying for that position. It makes it seem more like you prepared that resume just for them.Darren Said:life insurance agency jobs?We Answered:Go into a local insurance agency and ask if they have any openings. Before you tell them what your experience is. It is slightly possible that many insurance...
Naomi Said:what can we do to prevent scammers from victimizing innocent people?We Answered:Answer back and see how much of their time you can waste. There are some folks out there that do that to scammers all the time. Try www.419eater.com - they have some great stories. I have a couple of bogus e-mail addresses that I use to answer the prince from Nigeria e-mails. It is pretty amusing to waste their time. I got one guy to go the Western Union in Nigeria three different times. He really whined a lot about it being so far to walk and then...
Glenn Said:Have u been scam with the Transworld agency named david lawson S jones? Please email me at jem2a@yahoo.com.?We Answered:You wont have a criminal record because of them. There are steps you can do to stop this immediately. Are you a U.S. citizen? My guess is yes, contact the State department immediately or other federal officials to let them know what has happened. I know, you are thinking you might get into trouble. Actually this type of scam happens all the time and you are a victim, not a perpetrator. You also need to...
Tina Said:Am I eligible for Unemployment Insurance?We Answered:It depends, did you work 17 weeks or more at the last job? If so the answer is yes. Ask the people at Vermont Unemployment they can tell you better than we can were to apply.Annette Said:How do I sue another state for not enforcing my medical insurance support/child support case?We Answered:Suing them will not work due to your finances and money needed to cause action. Might try calling your State Representative and get them to acton your behalf. Unfortunately there are to many deadbeat parents out there(my daughter in law included). Good...
Sue Said:After you file a claim with your insurance agency for vandalism, when do you pay your deductible?We Answered:Try to deal it out of pocket, otherwise insurance rates will go up much more. You can check how quotes will change here - autoinsurance.noneto.comClarence Said:get a new paint job on insurances behalf?We Answered:Hi well that's fraud and moving to another company will not work coz they talk with each other and if u get found out a cell will be waiting Cheers ?Matthew Said:I have to go give a statement under oath to my insurance agency with their lawyer present....
Bernice Said:US History need to know for test PLEASE help!?We Answered:31 -nativists and KKK - didn't like those people
32-18th amendment - prohibited liquor
33-big business - their policies
34-Drepression...just kind of a duh
35-stocks purchased on credit-pretty much because people had to sell stocks at lower and lower prices, because they didn't have the money
36-california-great dust bowl, read Grapes of Wrath by Steinbeck
37- no idea, maybe defaulting on taxes?
38-deepened - he didn't really do anything, thought he'd let "the market do its work". it didnt.
39-fireside chats - like Obama's youtube addresses today.
40 - new deal
41 - FDIC, you can hear it...
Kristen Said:I made a scuff on the car which i had rented out from enterprise. How much are they likely to charge ?We Answered:If its just a scuff and not a scratch then try using a soft paste wax and buff it out yourself.....
Keith Said:car was sold at auction by la opg they sent me abill saying the amount wasnt enough to covers storage fees .?We Answered:Tell them to pack sand. They got the car and since they have sold it that should be the end of your responsibility. Was the car totaled out by the insurance company? If so, they should have absolved you of any responsibility for the storage bill.Alice Said:How do I get a non-profit agency or organziation to sponsor me?We Answered:You are going to have to get someone to take you to the public library OR THE BIGGEST public...
Raul Said:I have an old state national life insurance policy dated in 1962 need to get in touch with company how?We Answered:Check with your state insurance department. They will have all the information on any insurer that was ever licensed to do business in your state.Joann Said:Can someone living in LA get an insurance from a company that is only in Fresno?We Answered:As long as LA means Los Angeles, and not Louisiana, yes, you can do it.Rita Said:How soon are you supposed to report a DUI to the insurance company?We Answered:You do not have to. They will periodically check...
Pamela Said:Car accident question?We Answered:Parking lots or cases like this are going to be prob 50/50 at fault which means you will prob see your rate go up for 3-5yrs as a result of this. I would advise that you fix the car and do not report it to your insurance co. to avoid the "surcharge" of your first accident.. in addition you risk losing a safe driving discount if you have one now. I highly doubt the damages you would receive would be economical in the long run.
At the same time your policy contract does require you report...
Marcia Said:Verifying Building License and Insurance of a contractor?We Answered:If a contractor can't or won't show you his license and insurance certificate, hire a different contractor. That is the first thing you should ask and the first thing he should do for you. If he can't do that, what else can't he do?
AlLeo Said:Can a corporation pay the people that bring in business commission using company checks or payroll?We Answered:CA has some very weird rules and regs concerning what Corps can and cannot do but, generally, if the person you are paying holds him or herself out to do...
Craig Said:now the federal government is going to bail out life insurance agencies? did i hear that right?We Answered:You are correct, it is all over the news. When and where is it going to stop? The Dems are spending not only our children's money, but also our grandchildren's. Why not let attrition do its thing, companies will absorb one another and life will go on. Our current politicians are bent on destroying our country, they act like they have a bottomless checkbook and the ignorant of this country voted out our checks and balances system. ...
Lynn Said:just got a job in "data analysis".....?We Answered:It's "software".
Anyway, such skills could be useful to the FBI / CIA / NSA. They get so much data that the only way to do something meaningful with it is to do analysis, find patterns, and pinpoint data of interest. Ensuring the integrity of the data is very important too.Edna Said:How to answer why I want to leave current job?We Answered:Um... what's wrong with the explanation you just gave?Lori Said:What company provides a life insurance quoting engine software to install in an insurance agency website?We Answered:You are better off hooking...
Lucille Said:How much do life insurance agency owners earn per year?We Answered:Largely depends on a number of factors, i.e. where you live, the size of your business, experience, etc. Very few life insurance agents who start in this business will be there after 5 years. For every 100 that start, maybe 5 - 6 will be there after 5 years. But, if you can make it that long, most of those agents do fairly well over 6 figures and some even pull 7 figures.Kurt Said:Which test(tests) I have to take to start an Insurance agency (life,automobile,home) in Dallas?We Answered:I would...
Jerome Said:How much do first year life insurance agents earn?We Answered:Most wash out - 95% can't even earn $1,000.
The few who make it, drag home about $50K the first year.Audrey Said:How are Life Insurance Sales Agents doing in the recession?We Answered:NippleIrma Said:Is there a model on how to recruit and retain life insurance agents?We Answered:That is generally proprietary information that each insurance company retains. Maybe you should talk to a life insurance recruiter to see if he has any information for you.Eric Said:I want to know if anyone know how Life Insurance agents get paid for whole life policies.?We Answered:True....
Keith Said:How difficult is the NY Life and Health Insurance Exam?We Answered:Class schedules aren't very flexible, because there aren't 100's of people attending them per week. Here's what I did, and what every agent recommended that I do:
Take classes for 2 days at AD Banker:
http://adbanker.com/
Then self study for 3-4 days.
Then schedule a test with Pearson Vue:
http://www.pearsonvue.com/
There really isn't much competition in the Health Licensing Center industry. Those will probably be the most affordable/best options in any area.
I thought the test was pretty easy. I had been working for a Life/Health Producer as an assistant for 4 months...
Julie Said:Is it smart for an 18 year old to sell life insurance?We Answered:It is unlikely people are going to want to purchase life insurance from an 18 year old. You can work for your uncle and learn the ropes, however it may be a few years yet before you can start building a portfolio of clients. People your age aren't buying life insurance, and people older than you don't want to buy from someone with no life experience.Cecil Said:Life Insurance?We Answered:First, you want to check out the links below to read my research about life insurance. I'm life licensed...
Phyllis Said:what do you think ? is there better future in Life insurance Business in india ?We Answered:Strongly YES.
Accoding to Manpower and Economical Improvment, India is the best place for selling Insurance Product.
- Only 20% people get insured
- 70% insurable Population
- There is no saturation point for Lives in India
So Be happy and ready to sell insurance
Best wishesKelly Said:how to promote life insurance business?We Answered:Stay among your friends and family when you begin. Should you help them, ask for fifteen referrals. Write up an introductory letter and have your new client write a...
Ricardo Said:I have life and health and P & C insurance license. What are my options for doing business?We Answered:Your best bet, if you want training, is to work with another local agency. You'd get a 50% commission split (they keep half the commissions) but they'll have people show you how the business works. You'd get to use their contracts, while you figure out if you can stick in the business.
95% of new agents wash out. It's really hard.
Commissions depend on the line of business. Contracts are usually "until terminated".
You're going...
Peter Said:Is VA National Service Life insurance policies collectable by families?We Answered:If there is a Policy still effect yes the Beneficiary can collect...
You will find the Telephone number for VA Insurance on their WEBSITE...Lorraine Said:How is State Bank of India (SBI) Life Insurance? Customer service, premium rates, etc?We Answered:instead of this u can purchase mutual fund of SBI and any term plan of the same risk cover.
its best for more returnsJosephine Said:life insurance using service oriented architecture.......... please give me details regarding this?We Answered:Life insurance will have various business process which could be broken down into service components or simply...
Mabel Said:anybody ever heard of acabezas@getinsurance.com.. i received a quote for auto ins from this site .?We Answered:You can always call the Department of Insurance in your state.
You would want to ask if they are an admitted producer, and ask if they have a high rate of DOI complaints...
Dwight Said:i need a list of insurance companies that will cover breast reductions or lifts?We Answered:Most insurance's will cover this procedure but you have to meet the criteria. Your doctor will have to contact your insurance company and give your measurements, weight and sometimes a picture.
You will need evidence of visits to your doctor complaining of chronic back and shoulder pain.
Your insurance company will always want you to lose some weight, like 10 to 20 pounds depending on your size.
They wil not pay for a lift for cosmetic reasons but reductions are lifts.Steve Said:list of...
Leo Said:bank loan payment insurance question?We Answered:You certainly can complain as the loan was taken out within the last 6 years and isn't time-barred. It doesn't matter that the loan is close to being, or has been, paid-off.
Condition-selling has been outlawed since 1943 and again in 1998 and 2007. Banks cannot insist that you take out their insurance in order to qualify for a loan. In some cases, usually mortgage lenders, can insist that you have some insurance but they can't dictate where you buy it from. Personal loans do not require compulsaory insurance in the...
Marvin Said:I got into a car accident and need REAL ADVICE!! Plz help, starving college student?We Answered:Your at fault so if it is a state that the driver is liable no matter if the person has insurance or not then it is your fault. If it is a state where if one party doesn't have insurance and the other one does than the person you hit without insurance is at fault if the state says a person without insurance is 100% at fault.
LET HIM TAKE YOU TO COURT HIS CAR AT MOST IS WORTH $1200. Cheaper just to go to...
Tracy Said:Does anyone know of or could recommend a local insurance agency in Georgia?We Answered:As previously stated, the best recommendation comes from a friend or relative you trust. Otherwise, a referral from an organization that screens or endorses advisors, such as the Financial Planning Association (fpa.net) or the Association of Christian Financial Advisors (http://christianfinancial.vpweb.com/ ) can help to ensure that you are dealing with someone ethical and competent.Aaron Said:Insurance check lost in the mail?We Answered:You call your bank, ask if it's been cashed, and put a stop payment on it if it hasn't.Vanessa Said:Is it prudent to change Insurance...
Linda Said:were can i get insurance for in home care?We Answered:You will need general liability insurance. In-home health care will not qualify for coverage with a standard carrier so you may need to look around a little more and you will pay a higher premium as well. I imagine there must be more than 1 insurance agency where you live. Look in the phone book for an independent commercial insurance agent. They will be able to approach several carriers on your behalf and get a policy in place.Edward Said:Can a hospital refuse to give treatment to...
Emily Said:Attn: Insurance agents, what is the best way reach you?We Answered:I would go to the yellow pages & look for independent agencies. I would start with the ones in a "high end" neighborhood and any that represent Chubb. Atlantic Mutual is another company that likes high end clients & AIG Private Client Group. These are the companies you need to see under the agency's name. Give them a call to see if they would like to set up an appointment. You will probably want to meet with the personal lines supervisor. We are...
Dorothy Said:Do you use a LOCAL or NATIONAL home owners insurance company?We Answered:homeinsurance.awardspace.us - try this one. Got my home insurance from them. As I know they provide such a service.Nancy Said:How do I find out what type of insurance policy a local air conditioning company offers there employee's?We Answered:Your friend will only have insurance coverage if he opted for it on the job application AND after he has been employed for a certain length of time. He can look at the employee manual to find out that time period to see if he has met it. If he has...
Matthew Said:Is Geico a good choice for car insurance?We Answered:Well, if you ask that question to Geico personnel or Geico fans, they will certainly say yes. I think you need to read independent reviews about the company. it's not only for Geico, but also for others. I have found a website that would be quite important for you to visit and read the articles that always been updated frequently. Who knows you find what you're looking for up there......
Sylvia Said:Im starting a new insurance agency... i need a name?We Answered:Something distinguished sounding like Cambridge, York, Canterbury. Sounds a little "fancy pants" but people associate old names with experience and security.Stella Said:I'm 28 married and I own an insurance agency, I like to play video games,am I immature? or it's just a hobby?We Answered:I am 65 and retired from the US Army. I have a full time job with the Government and I have a lot of responsibilities including a wife and a home. I play video games because I like to keep my reflexes quick and it makes...
Tyrone Said:Will a sex change from male to female result in lower car insurance?We Answered:As an insurance professional, I've actually run across this issue. Once the surgery has been done, as long as you can provide legal proof, it will change you to a female, and rate you accordingly.Courtney Said:how to buy a good used car what i need to look for and how can i get the lowest car insurance?We Answered:Buy a Toyota certified pre-owned used vehicle. Toyota is the most reliable in the market today and they hold there resale value better. For insurance, you have to...
Sarah Said:UK Football/soccer trial invite-could this be legitimate?We Answered:Seems our Nigerian friends have been busy.
Yeah I like the sound of Debby County. I guess all girls named Debby, live there.
And if you're hungry, join Fullham!Don Said:Determine if scout is legit for soccer trial invite?We Answered:your best bet i guess would be to call the phone number in that website http://www.worldinmotion.co.uk/site/who_…
those kinds of sites always have a "Contact Us" button which gives a number and/or email...
inquire about this to make sure it's the real deal...
also, compare the number this man gave you with the number in the website... it COULD...
Jamie Said:Massachusetts Insurance grace period?We Answered:So long as you were ensured at the end of the fiscal year in 08, you should be fine.
There's a chance you might be SOL.
This should also be in the legal section.Arthur Said:I live in MA and got a ticket in CT for speeding.?We Answered:As long as you did get a speeding ticket then that will go into the DOT system and any police officer from where you live will be able to check your past history (to check for speedy, etc)
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Yahoo Answers Fan Club!
http://myspace.com/yahooanswersJamie Said:how to help a Russian native get Russian passort and...
Annie Said:R&P!!! Epic, hilarious story!! (and a MA, of course)?We Answered:I'll yell you why she didn't laugh, she was likely under the impression Mr Flufferbottom was of High Stature, and she wanted your Business!!
MA: Lola-The KinksFloyd Said:How much does motorcycle insurance cost in MA?We Answered:Check Progressive or Geico Ins companies. They will give you a quote on-line.Marie Said:Is my car insurance quotes high?We Answered:There are many factors that determine your insurance rates. Age, driving experience, driving record, the type of vehicle you're insuring and the type of coverage that you need. Rates vary from state to state as...
Billy Said:P&C Adjuster requirements in Maine?We Answered:No, you don't need to be already employed. But you have to pass a test....
Martin Said:Is it true that Medicaid and major insurance companies pay for this penis vacuum I saw on TV?We Answered:But you need to give PROOF of a genuine needTracy Said:is a dermatologist covered by most major insurance companies?We Answered:what your mom needs to do is call either your primary physician or a dermotologist. Even your regular doctor can prescribe meds for your acne and suggest certain face products. it is also possible your regular doctor can refer you to a dermotologist. Have your mom call the insurance and see if they cover dermotology.... thats your first step.Brad Said:Are cashless health...
Mark Said:what is a"MBE"of a major insurance company stand for?We Answered:Minority Business Enterprises (MBE). It can be a division of the company that promotes, monitors, and enforces its MBE program in order to provide an equal opportunity to minority business enterprises that seek to participate in the state's procurement and contracting process.Darren Said:If you have to pick one major insurance company that will go bankrupt – which one out of these choices?We Answered:travelersJay Said:Bank Term Life Insurance vs Term Life from Major Insurance Company?We Answered:Even life insurance or annuities sold by a bank are actually backed by an insurance company....
Thomas Said:How do I find out more information on a fire that occurred in a house I'm buying?We Answered:I would be very very careful with this purchase. If a trailer burned to the extent of having 46,000 dollars worth of damage then I would think about two things. One, it takes only seven minutes to completly burn a trailer once its on fire, they burn extremely fast. So when putting this into perspective with the cost of payout, I would assume that the trailer was replaced, because I cant see how nearly 50,000 dollars worth of work would be done...
Mary Said:Did Obama promise far more than he can deliver? Look at this list of promises?We Answered:Wow, I knew he was full of it, but I didn't realize how much.Lillie Said:Are all government agencies inefficient and corrupt, conservatives?We Answered:"Conservatives only hate the Post Office because it employs many black workers, which really irks them."
You lost all legitimacy with that statement.
You also don't seem to understand that the postal service operates AT A LOSS. Meaning tax payer money is constantly subsidizing the fact that the U.S. Postal Service DOES NOT "pay its own bills".
And if you think the US Postal Service...
Hazel Said:do you really think 700 billion can stop this ? if you dont like reading dont answer?We Answered:First off the reason ALL these problems arose is basically simple; corruption and greed. Corruption is money – the next line here in quotes was from an article I read yesterday on a proposal to fix this huge economy mess - “the priorities of the vast majority of the American people” (he was stating the people must come first): in this sense it is all well and good, but the vast majority always has to have a leader and the leaders are...
Claudia Said:Car damaged by Midas on road test for brakes, who pays?We Answered:midas is responsible. the vehicle was in their possession at the time,which makes them responsible for any damages incurred.you may also want to get in touch at your local better business bureau, the whole thing sounds like a sham, and the shop they directed you too will likely overbill your insurance to repair the vehicle, particularly since the third party claimed fault.since the midas employee should have called the police (its law) and you will need the police report to have the insurance ( in this case midas's)...
Judith Said:what is the phone number for metro insurance agency located in white plains, maryland?We Answered:Metro Insurance Agency Inc
4431 Crain Hwy, White Plains, MD, United States
Phone: (301) 638-1400Frederick Said:39 weeks pregnant with no coverage for my baby....What can I do besides wait?We Answered:Medicaid is the best thing out there for you to try
visit your local department of human services or you community health center and they may be able to help youGlen Said:Is it legal to solicit people at home in the state of Maryland?We Answered:Yes it is, BUT it is very often regulated by county law and city...
Ron Said:How to get health insurance as a nanny in Massachusetts?We Answered:A few families provide health insurance for their nannies. If this is not one of those families, then:
(1) Enter your ZIP code and date of birth at http://www.ehealthinsurance.com to see if there are policies that do not cost a ridiculus amount. Some of the policies there are better than others, and you may not be able to tell which one is right for you, but you should at least be able to tell whether or not you can afford any of them.
(2) If necessary, talk to an...
Ray Said:I just moved from Massachusetts to California. Will my car insurance/accident history get transfered?We Answered:The new insurance company can get your old record with a C.L.U.E. report. Most companies use the C.L.U.E. reports now. Tip: do not lie to your new company about your old record. If you do, you may not be covered if you have a claim and you could also be charged with insurance fraud.
Note: some posters here are advising about a driving record that may not be transferred by 4 states. That is different from an insurance record. ...
Paula Said:Does anyone know which company offers cheap flood insurance in Massachusetts?We Answered:Flood rates are set by FEMA - so there's no "cheaper" unless you talk about different coverages.Mattie Said:What is a good insurance company for my motorcycle in Boston?We Answered:The Premier Ins Co. insures motorcycles in MA. I know, I have them for my bikes. Your premium depends on your riding experience and the bike itself. The more time you have been riding the less the premium. As well as if it's a new bike or old. You need to contact a local insurance agent...
Leslie Said:will i get a fee for canceling my car insurance policy early?We Answered:Quite the contrary, simply sign up for the new policy and call your old carrior and tell them your swapping policy's they will reimburse you for the remainder of your prorated term.
Remember..you paid for the full 6 month term up front...its not a cell phone...no early termination fee.
Much love!Lois Said:How much would my car insurance be?We Answered:Depends on your driving habits like have you ever been in a wreck that the your insurance carrier had to pay out for or any speeding tickets. I say that is...
Jacqueline Said:Is there agencies that help fill prescriptions when you have no medical insurance.?We Answered:Try this website: http://www.needymeds.com/
This is a program that hospital case coordinators and social workers use to help find free prescriptions for patients who can't otherwise afford them. I've even used it for my mother.
You can search by the medication name you need -- either by brand name, generic name, or drug manufacturer name. Once you've located the medication(s) you need, the website will give you all of the information needed to contact that particular Patient Assistance Program, usually online. It will also have...
Alfred Said:When you have a settlement with a insurance agency, do you get 3 times the money of your medical bils?We Answered:OK, the settlement is whatever you agree it is. You both agree, then you can "settle". Pain and suffering might be where you heard the 3x number, but frankly, it depends on A LOT of things. If you have no-fault insurance, or limited tort, you won't get ANY pain and suffering. Even if you do, it's going to depend on what kind of injury, and how serious it is. Frankly, if you're at $2800,...
Janice Said:Can I start a non-profit agency to raise funds for an ill family member?We Answered:You can start the ball rolling with setting up an organization to help out. Applying for a 501(c)3 can be a time consuming process, but you can do this even after you have the organization started. Check out the SS-4 on irs.gov. This forms gets you a tax id number from the fed, and will allow you to open a bank account. You may want to call the IRS for more information. I'm no professional but this may be a place to start.Gary Said:New Insurance...
Delores Said:Car insurance/registration?? Please help! ...PCSing from germany to virginia... help?!?We Answered:Let me answer this one GI to another...When you get a car in the military, there are three items that make the car legal: 1. Your Driver's License, 2. Your Registration, 3. Your Auto Insurance. Two out of the three of them have to be from the same state. Since your home of record is in MI, I would recommend that you keep your MI Driver's License and also register the car in MI. I would strongly recommend that you get your insurance in VA since each state has...
Amy Said:Is $9500 a fair price for a salvage '07 Corolla CE with 1,250 miles?We Answered:Also, you cant get a loan on a salvage vehicle, and you cant put full coverage on it. The insurance company has already paid out a totalled claim on it, and wont again, therefor not allowing full coverage to be placed on it.
As others have said, not if it was totalled. There was more damage to it than stated. If they did all the work, as for photos of the samage prior to the work. The insurance company that sold it...
Kenneth Said:Has anyone heard about Miller's Insurance Agency in PA? Looking for car insurance and their name came up.?We Answered:Yes. They specialize in RV coverage.
http://www.millerrvinsurance.com/Olga Said:HELP PLEASEEEEE i dont want miss this homework!?We Answered:Just give the basic facts of the article. With an over-view, you just want to highlight the main points of the article-who, what, where, when and how. Find them, and put them together in paragraph(s) form. something like this;
State Farm, the largest private insurer of homes in Florida has asked state regulators to increase it's homeowners policies by atleast 47.1%. The Office of Insurance...
Shawn Said:have you been raped by another race ?We Answered:Omg, I am so sorry.
I can't believe this happened when you where trying to be a good person, a non-racist, and you got slapped in the face.
I am happy you're fine now :D
Should have gone to the police for ALL those times of rape.Samantha Said:Is carrier certification required in every state?We Answered:Texas is a bit opressive to get licensed in, LOL, with the fingerprinting and such - but that's the LAST state I've been licensed in, so maybe everyone is moving that way.
However. EVERY state will require that you...
Eugene Said:Is Congress party running a public company from tax payers money?We Answered:This is congress old trick to do every thing in the name of Nehru-gandhi dynasty..........
Now they have a puppet election commissioner sitting closed eyes like an owl................
Remember there was modernisation of New Hyderabad airport by A.B. Vajpayee in 2003 by the name of N.T.Ramarao airport,the first thing that congress after coming to power in 2004 both in center and Andhra it immediately changes the name in to Rajiv gandhi international airport.
Congress never wanted to advertise the achievement of any political leaders other then Nehru-Gandhi dynasty.............
It,s a pity that...
Julian Said:Why does "Answer is hidden due to low ratings" only seem to work on questions about universal healthcare?We Answered:It use to be the only way it was hidden was if you thumbed it down yourself... as of late I only have to go to a question and yes it does already appear with the "Answer is hidden due to low ratings" without even answering it, thumbing it up or down... I imagine its due to the MANY problems they have on this board!
added.... one of the other problems I see occurring is that the ratings...
Sally Said:Isn't this proof that Obama is a very bad President, probably the worst in American history?We Answered:dude,that is the plan.47% of the population are morons and asleep.they(the radical obama marxists) have the power to turn the USA into a socialist/marxist cesspool.the other 53% better wake up before 2012 or IT IS ALL OVER....
Nancy Said:My Mortgage company refuses to sign my Insurance repair check. What's worse...?We Answered:The mortgage company is making sure the home is repaired. Think of it this way, you own the part of the house that is paid for--- they own the part of the house that is not. They have a financial interest in the house. They have a financial interest in making sure the repairs get done. There concern is that you will not get the repairs done - fall behind on the payments and they will foreclose on the house. Given the high fore-closer rate right now...
Thelma Said:Can someone tell me of some UK motor insurance agencies that insures non eu drivers?We Answered:autoinsurance.noneto.com - try this one. I have their car insurance and, as I know, they can provide such a service.Catherine Said:I bought a car at a car lot and its having mech problems, what can i do?We Answered:It depends where you live.
Heads usually dont 'break' they normally either crack or warp. You need to be more specific there. And it would be very rare for both to be damaged.
Thick motor oil is used to cover up vehicles using oil, or leaking oil, or...
Brian Said:MOTOR INSURANCE: AN ALTERNATIVE, CO-OP?We Answered:You can self-insure by depositing £500,000 as per the Road Traffic Act 1991 (it used to be only £15,000 under the 1988 Act):
"144 Exceptions from requirement of third-party insurance or security
(1) Section 143 of this Act does not apply to a vehicle owned by a person who has deposited and keeps deposited with the Accountant General of the Supreme Court the sum of £500,000, at a time when the vehicle is being driven under the owner’s control."April Said:my friends dad was killed in a motor cycle accident five years ago the accident was...
Ramona Said:Is Allstate roadside assistance insurance the same as the allstate motor club?We Answered:One is strictly for roadside assistance/towing after a breakdown (the $5.80/6 months) the other has some other services. trip route, etc. (take the $5.80/6 month option)Natalie Said:What needs to be reformed in our health care system?We Answered:First there certainly is no health care crisis. With Obama, everything is a crisis so he can rush things through without anyone reading the little perks the Dems like to slip in. I would, however, address tort claims to lower malpractice rates. Doctors insurance rates have...
Jamie Said:Where can I find information on insurance rates and how they increase depending on what kind of accident?We Answered:Help yourself - you can check your quotes in internet, for example here - carinsurance.yoll.netDon Said:Does "defective equipment" increase insurance rates?We Answered:Insurance rates are set by the risk your insurance company perceives when covering you. Most companies today look at even your credit report, and statistics show that those with poor credit are a risk. Likewise, those who ignore maintenance of their vehicles to the point where they get a ticket also show a higher risk. The minor...
Bernard Said:(UK only) What insurance companies offer a joint car/motorbike policies?We Answered:http://www.avisinsurance.co.uk/sixwheeld…
http://www.adelaideinsurance.com/Biker-I…
These 2 offer 6 wheel deals, 'bout the closest thing to a single combined policy.Eugene Said:Motorbike - insurance company sold wrecked motorbike on WITHOUT OWNERS CONSENT or log book. HELP!!?We Answered:Yeah, they pulled that crap on me too. Except in my case they actually had it removed from the garage before paying out or even telling me it was being written off, and without my knowledge; technically theft.
It was a similar situation, in that it was a multiple vehicle accident which they're probably still arguing about and I wasn't...
Sergio Said:I got pulled over with no insurance? What would happen if...?We Answered:perhaps try to get an attorney with prepaid legal services. they fixed my problems.. I think its like 25 dollars.. www.prepaidlegal.com/info/ajcampbellVictoria Said:What type of attorney do I need?We Answered:You could contact the salvation army and see if they could assist you in getting this vehicle back or providing another. They have tonsof resources available as does United Way and others.
You can post a question to this law webite (for free) and get up to 4 responses from attorneys in your area- go to www.lawguru.com
So sorry to hear this...
Esther Said:Is Liberty Mutual Insurance Company good to have it for my Auto Ins?We Answered:Yes, they are a good and sound company. They have high ratings from A.M. Best (the most prestigious company that rates companies based on stability.
They are a stable and growing company. I believe they are the 5th largest insurer in the US. I do not know much about their rates though. Might want to check their website.Alan Said:Are there mutual funds that invest in insurance companies?We Answered:One of Fidelity's sector funds, might be what you're looking for Fidelity Insurance - FSPCXJulio Said:Could health care costs be...
Russell Said:list of websites which can give me the names of insurance companies in sydney and melbourne?We Answered:VICTORIA
http://www.yellowpages.com.au/search/pos…
NSW
http://www.yellowpages.com.au/search/pos…Jared Said:Differences From The Bigger Insurance Names Than The Less Known Names.?We Answered:Whatever that person said, there are 1000 times more car deaths than motorcycle deaths.Henry Said:Can anyone give me some names of insurance companies?We Answered:allstate
statefarms
Lic
libertymutual
Max new york
geicoTravis Said:names of insurance companies in sydney and melbourne?We Answered:Allianz-car and home insurance
GIO -car and home insurance
NRMA (NSW)- car and home insurance
RACV-(victoria)car insurance
AAMI-car insurance
APIA-car and home insurance for over 55's
AXA- car and home insurance
HCF- health insurance
MBF- health insuranceRandy Said:Can some of you guys...
Edna Said:National insurance number online, am i a victim to identity theft?We Answered:That sounds dodgy. The NI number does not confirm your eligibility to work in the UK. Your passport/visa does. Find out if this agency is a genuine one. You can find out if it is registered by visiting www.companieshouse.gov.uk and on the right your will find a link to WebCHeckJay Said:Do you have to pay your own National Insurance contributions if you work through an Agency?We Answered:Depends upon the basis on which he is engaged by the agency. If the agency is subcontracting the work to him...
Billy Said:Any ideas how to open a insurance agency in NC?We Answered:Depending on your state's specific requirements, you will probably at least need your P & C (property & casualty) license as an agent & a separate P & C license as a broker if you want to write excess or surplus markets (this license also usually requires a bond). Many states will also require that you obtain E & O (Errors & Omission or Professional Liability) Insurance--the insurance companies will require this to give you a contract or appointment even if the state doesn't require it. You will also...
Gloria Said:Did the Dems really have a supermajority?We Answered:HOLD IT!
That is factually correct! What the hell?...
Vicki Said:What do you think are the key risks facing financial services organisations within the next 12 months?We Answered:hey see www.moneyjobz.com
for this.
you'll see the links specificly about this on the left and the right side so you dont have to go and search everywhere
Source(s):
searched and visited personally.Ellen Said:How do I build my agency?We Answered:The best thing I can recommend is get out the door and find some customers. Go to Realtor meetings and get to know the movers and shakers in the area. Same for loan officer meetings, bank loan officer meetings, chamber of commerce, local real estate investors...
Dolores Said:What do you think of my latest letter to Senator Reid of Nevada?We Answered:You forgot the salutation - Dear Senator Reid, sounds more polite and professional than simply Senator Reid.
Drop the paragraphs about Obama's birth certificate and the Supreme Court Justice (btw, you mis-spelled her last name), because it's a bit on the extreme side, and you ultimate goal is for someone to pass it on to Reid. Other than that, it's fine. You might want to add a paragraph expressing understanding on how hard it is to read a 1,000 page bill, but it's something that needs...
Lauren Said:Is there an agency that oversees insurance companies in New Jersey?We Answered:For something that simple, I would just call Mutual of Omaha and notify them that you didn't get your card. They'll verify the address they have on file for you and send you another one. They could probably even email or fax you a card (sometimes this is prohibited).
But to answer your question, yes. The New Jersey Department of Banking and Insurance oversees all companies and individuals licensed to sell insurance in New Jersey.Greg Said:Can someone help me find counseling resources for someone who...
Rosemary Said:how do you sue your homeowners insurance?We Answered:Hire a lawyer, and file the suit! What are you suing them for? Anyone can sue anyone for anything - the question is, will you win?? If a lawyer thinks you have a strong case, they'll take the case on contingency - ie, you assign them 30% of whatever they get for you. No win, no pay. If a lawyer thinks you don't have a strong case, or that the payout won't be very much, you'll have to pay the lawyer up front.
You can sue in...
Tyrone Said:What health insurance plan would be right for me?We Answered:First of all welcome to American reality.
OK.
First thing first. There are many Insurance Companies around providing health Insurance in New York. All of them have different plans and all of them are equally “good” if you know what I mean.
Just in a resent 3 years I was dealing with four of them:
Blue Cross Blue Shield
CIGNA
AETNA
OXFORD
As I said they all good when you are paying your monthly premium and not going to the doctors. How good all these companies are you start to understand when you unfortunately need to go to...
Marie Said:how do i get reimbursed for a paid rehab bill?We Answered:Was this your insurance that should be paying this bill? Or is it someone else's insurance that is paying out? If it is your company, just call your agent and file a claim, the insurance company can contact Narconon for the amount due. If it is someone else's insurance company paying for this rehab, contact whomever was responsible for the damage and let them know they need to turn in the claim.
Did you even speak to any insurance company prior to having this work done? ...
Priscilla Said:Would "TORT Reform" be as successful as Michigan's "No-Fault" insurance law?We Answered:We have had 'Tort Reform' in California for more than 10 years. I had not impact on insurance prices, not health insurance, not automobile insurance, not malpractice insurance and not Workman's Comp insurance. As a matter of fact it made things miserable for people who are injured on the job. The workers comp insurance gets ordered by a judge to pay the benefits, then a few month later they thumb their nose at the judge and stop the benefits. Go do a search on...
Erik Said:History Questions About the 1920's....?We Answered:im not sure about the first two
i think the first one is A.
and im 98% positive the third on is D....
Anita Said:HELP!! could anyone tell me where I can get a free cpap machine?We Answered:I am at the point from all the bad press I hear from insurance companies treating insured patrons with such illicit behavior, I can't stand it! I would write protesting to the insurance company. Go to the doctor who recommend that you have one or call and ask if he will write a letter of protest. This is absolutely ridiculous what they are doing to you! If you are a veteran, you can obtain one through the VA. Otherwise, go back...
Stacy Said:Isn't this sad??? Another AVOIDABLE death!!!?We Answered:You really do your homework don't you,I don't know how you come across all of it,you must surf all day but good,it's time that people see the human cost of illegal immigration. It could happen to any truck driver is I'm sure what some apologists will say or something equally stupid,but since he was illegal and apperantly unlicensed we have no idea whether he even was properly trained. So everybody there's another one of those "jobs Americans won't do" filled by an illegal alien and all it cost was a human life. By...
Natalie Said:How to open and insurance COMPANY (not agency) in the state of Ohio? What are the beginning steps?We Answered:Well, properties aren't money!!
Here's the scoop. In order to be allowed to write even ONE policy, in Ohio, your insurance company needs to be able to prove to the state insurance commissioner, that they are able to pay claims. Generally, you need tens of millions of dollars, to set up the 'reserves', before you're allowed to sell even the first policy. Reserves are allowed to be invested in secure notes like treasury bonds, to help produce income. ...
Jeffery Said:Accident - no police report filed, now other person trying to file a claim on my insurance??We Answered:You can go ahead and file the report with the information you have, you can fill in the other information later. Since it is after the fact, the police won't really be able to give any opinion as to who was at fault unless both parties have the same story, so the report may not really be of any help to you.
Call the kid and tell him that you will not even entertain paying for his damage, as he was at fault,...
Mark Said:how do i print out a new temporary tag for my car from my insurance company online? I was told i could do this?We Answered:You were told wrong. Insurance companies do insurance cards, not temporary tags. You get a temporary from the dealer you bought the car from. There is no other source. If you bought from an individual, you can't get one....
Marc Said:How do you get started selling insurance online?We Answered:First, you need a license. You need a license to sell insurance, in whichever state someone wants to buy it. If you want to sell in all 50 states, you need to get LICENSED in all 50 states. It's a PITB to do it.
Then, you have to line up companies. Not all companies do business in all states. It will be almost impossible to get appointed to a company, if you don't have an existing "book of business" you can give them. With...
Christopher Said:What is the best online health insurance company?We Answered:We have many health insurance online company which is really good for the people...Health is wealth so it is necessary to take insurance...Most of the people don't have time to go and pay the insurance so it is the best and fastest way to pay the online health insurance...Yes of course it should be reliable one and this can be achieved by the site traffic and the customers...If it is high then we can pay it...Andrea Said:What Canadian online Auto Insurance company can give me immediate coverage.?We Answered:I don't know about...
Reginald Said:I'm looking at opening an insurance agency. Wondering whether to go with as an independent co. or brand nameWe Answered:I own an agency and I decided to be independent. The biggest reason that I chose to go independent (which wasn't mentioned above) is that alot of the time if you are a captive agent you don't own your book of business..if you don't own your book you really don't own anything. You're expenses will be higher as an independent, but there is still sub money available to you with some companies and you can write off all...
Penny Said:How can I start my own Insurance Agency?We Answered:Contact State Farm, Allstate, or Farmers and tell them you want to. Then you pay for a license, get training, and sell your b*tt off.
It's hard. If you have no idea how it works, you're better off getting a job in someone else's agency. MOST people wash out the first year because they can't sell enough.Jamie Said:If i was form my own insurance agency which only insured male drivers. Would that be sexist?We Answered:Yes but its OK in reverse because women are oppressed and men are...
Arnold Said:I need information about COBRA and Domestic Partners?We Answered:True. The subsidy doesn't apply to HER portion of the premium, because she's not a spouse or child. Your state or employer might be more liberal, allowing benefits for someone you're shacking up with, but the federal subsidy won't pay for her, as she's no relation to you, and it only extends to FAMILY. Which she isn't.
It's administered by the IRS.
http://www.irs.gov/newsroom/article/0,,i…Dennis Said:Life insurance trainee underwriter roles in London?We Answered:Hi no doubt you have been using the web to find a position. In my experience this can...
Dave Said:why do people let car insurance agency's and dentists rip us off?We Answered:DENTISTRY IS A SPECIALISED FEILD OF SERVICE,,
ABOUT CAR INSURANCE COMPANIES I DUNNO WHY!!!
BUT WHEN YOU FEEL YOU BEEN RIPPED OFF, THEN WHO DO YOU GO TO, YES THATS RIGHT THE LAWYERS AND THEY RIP YOU OFF WITH A SMILE, AND I BET YOU WILL GLADLY PAY THAT!!...
Christina Said:Should ARZ Thank Sheriff Joe and other law enforcement agencies in Maricopa county for doing their job?We Answered:Joe Arpaio is a hero. I live in California and this state has been totally destroyed by illegals. BTW, 85% of legal Hispanics, including citizens, are out and out traitors because that's how many support the illegal alien criminal invaders. I hate to say it but most liberals and Democrats are traitors too. That makes me sad because I am a far left winger myself. But here in CA the illegal alien problem is so horrible that it is not that weird...
Everett Said:does one believe that a person can be sized up like profilers do?We Answered:As humans, we wear many hats and that tends to lead me to believe that no one can ever be truly known completely as it depends on what "hat" they are wearing!
Now, I do believe that certain body gestures and such gives clues about a persons thoughts. Only thoughts, not who they are as that is way too broad to classify anyone.
I know that I was different with my husband than I am with my children. This is why I believe it would be very...
Alicia Said:Accounting question ?We Answered:You paid within the discount period so the base amount is:
$60,000 X 98% = $58,800
To that you add the:
Freight Costs $1,000
Pollution Control $2,500
Architect Fees $6,000
That gives you an acquisition cost of $68,300.
The damage and repair costs during installation is not really related to the acquisition and should be expensed as a period cost.
Also expensed as period costs are the liability insurance (which should have paid for the damages incurred during installation) and the interest costs.Janice Said:Accounting Help - Acquisition Cost Help?We Answered:I believe that the the following costs would be included in the acquisition cos
equipment with...
Leona Said:Can an auto insurance agency report you to the DMV for having your policy cancelled?We Answered:The answer, unfortunately, is YES.
once you stop paying, the insurance company keeps sending you bills and if you don't pay within a month, they cancel your policy for non payment and notify the DMV.
The DMV sends you a notice telling you they will suspend your registration at such date if you don't get insurance for the car in question.
So not only do they want you to have insurance for the car, but you'll have to pay a fee to have registration reinstated.
It happened to...
Terry Said:Is Praetorian Insurance Company an Admitted Company or Non Admitted Company?We Answered:www.hannover-rueck.de/resources/cc/gener…...
Carmen Said:WHO IS YOUR HEALTH INSURANCE COMPANY and how much is your monthly premium?We Answered:You should visit a local independent agent. This person can compare many companies to find the best plan for your situation and budget. They don't charge any extra for the service.
The premium will depend upon many variables, such as age, height & weight, current health status, your location, the type of policy that you get and the company. If you are out of the height and weight range or have pre-existing conditions you risk being declined so don't try to do this over the internet.Linda Said:If...
Leonard Said:What is the best insurance to get for traveling?We Answered:You don't want the 'best' in terms of price. You want the 'best' in terms of who is actually going to pay a claim and provide good service. I have links to three of those companies on my site along with information on what to look for.Lauren Said:I understand that the eligibility for the reduced price for COBRA insurance has to do with losing ones job?We Answered:~~It is legal in some states for you to be laid off because of a long term disability. Yes, if your company...
Kenneth Said:Which fund do you recommend? (goal is capital preservation, return OF not ON my money)?We Answered:You really do not want anything that has the word mortgage associated with it. Although PTRAX has an outstanding record, I think in the current environment I would forgo it in favor of VBTIX. Debbie Said:Money Market Account - Vanguard?We Answered:I have had a Vanguard Prime Money Market Account for years now, and I love it. I did a lot of research before choosing that place for my emergency funds, and I have never regretted it. PS-actually as of last...
Chad Said:Do you believe private insurance companies will be willing to take on the risk of privatizing Social Security?We Answered:Insurance companies would not be involved. The privatization of social security would involve individuals setting up their own government approved IRAs.
An agreed upon sum would then be automatically deducted from each paycheck and deposited into the account. The big difference is that under no circumstances could the person dip into that account before retirement (or death).
No doubt the folks on Wall Street and the investment houses love this idea as it means more business for them. Also, it would mean that...
Dale Said:Do these insurance companies exsist or am I gettin setup? (Part 2)?We Answered:This is the owner of A.P.I.A., Inc.. First I would like to say that we are currently not selling insurance because we are putting our team together of people that want to be part of our business. We don't need an active status because we are NOT selling insurance right now. Because of the fact that once we get our entire team together we will go back active and start selling insurance again. We stop selling insurance to put a plan together where people from all over...
Hugh Said:Is it legal to charge a higher rent for students vs. non students for the same rental property in Canada?We Answered:Do you have rent control laws in your area? If not, you can charge whatever the traffic will
pay. Check with local authorities for any laws involved.Courtney Said:My car was flooded in my parking lot at work, is the property manager liable for the damages?We Answered:Probably not. Different states and cities have different laws regarding flood damage.
Unless you can prove the building changed the natural flow of water and caused the flood you don't have much of...
Brent Said:How much does public liability insurance cost to beauty therapists?We Answered:Is it one business, or are two of the chairs rented out?
Budget $5,000.Byron Said:A penny for your thoughts on public liability insurance?We Answered:It really depends on what you are doing and what type of organisation you are talking about. It could well be that they have PL cover for the organisation. If your event is a party in a hotel it is likely the need for cover will be minimal as it will be difficult to hold the organisation to blame for the hotel (for example) poisoning...
Annette Said:I am considering purchasing an insurance agency.?We Answered:Um, don't do it. If you don't know what to look for, or what to ask for, you probably don't have the skills you need to run the agency.
If you're going to hire someone ELSE to run the agency, pay them a consult fee now, to get THEIR opinions on this....
Glenda Said:How much would it cost to rebuild my townhome ? an Insurance quote question.?We Answered:$100 per square foot is certainly a safe way to go. But it may depend on the cost for the insurance and all of the provisions in the policy. If there is a substantial difference in cost for the insurance if you are at $100 verses $90 per square foot, then you will want to come as close as safely possible on the number you plug in. Knowing nothing about the construction business at all and going back to the original cost...
Pedro Said:Is it legal for the state of Wisconsin to force me to buy auto insurance?We Answered:Yeah, well, if you run into me on the road and it's your fault, you better have adequate insurance or plenty of assets for me to take, because you my friend, are responsible for the damage you cause.
You don't like it, you don't have to drive....
Daisy Said:What is the average earnings rate for insurance companies?We Answered:You can check the balance sheets of any publicly traded companies at www.sec.gov
Just for the record, they don't make their profits off the premiums they charge - they make their profits, off of the billions of dollars that the government requires them to set aside, to pay claims. They invest that money - mostly in government securities and bonds, and THAT is where the profits come from.
On average, health insurance companies pay out $.99 in claims, for every $1 they take in, in premium. Car insurance companies, if...
Lewis Said:how long will the insurance company keep your incident record ? And the insurance rate return to normal ?We Answered:ins companies charge for a ticket or at fault accident for 3 years. after that 3 year period has passed your ins rate should drop.Allen Said:Which insurance company offers the best auto and renter's insurance rate? What is the discount % if known?We Answered:check into Allstate for a combo coverage but check with someone LIVE and localAndrew Said:Best Insurance Rate/Company after DUI/DWI?We Answered:expect to pay what you are paying now for another 3 and a half years.
if you happen to...
Mattie Said:y in a world where discrimination is pulled up in every circumstance y are insurance companies allowed?We Answered:Good God! Do you expect us to make sense of what you typed? There have been 5-10 questions here about insurance rating. Insurance companies insure too many people to a rate for each kind of person in the world. And since everyone is paying into one "pool" when paying the premium, and that pool is used to pay for claims, the best data and statistics that they can use to determine rates is age, experience, sex, marital status, credit, vehicle type, etc....
Leslie Said:How to find out a con on facebook?We Answered:it's definitely a con, dont do it.
there's a website that is made to track down all the cons over the internet in famous dating sites and facebook, myspace included. people (or victims) from around the globe volunteered to send the names in to keep this site running. it's all guys who got conned by woman lol . i forgot what the name was but go find out it's in googlePatrick Said:Can someone explain the P45 total tax to me?We Answered:If you look at http://www.hmrc.gov.uk , and put "form P45" in...
Clifton Said:Journal entries help needed?We Answered:Dec 26
Issued the following checks as payment in full for miscellaneous billing:
Check 40110 to Sierra truck service for gas and truck repairs totaling $194.25
Dr Upkeep of trucks $194.25
Cr Cash in bank $194.25
Check 40111 to Mountain Rider magazine for advertising to be featured in current and future issues. The invoice balance is for $1475
Dr Prepaid advertising $1,475
Cr Cash in bank $1,475
Check 40112 for $1026 to Reed and Heisinger Insurance Agency for additional insurance coverage on the new storage areas
Dr Insurance expense $1,026
Cr Cash in bank $1,026
Check 40113 for $323.50 to Cuppinger and Fillips Accountancy for accounting...
Arnold Said:If your rental truck is vandalized will it be covered by the rental company insurance that I purchased?We Answered:the policy you purchased does cover this,,you was very smart for adding the insurance,,most people don't get it,,and they are responsible for the damage,,you should be OK,,as long as you called the police,,and got a police report,,the car rental company likes to see that report,,so if you don't have one get them to fill one out for you,,i Hope this help,s.Mary Said:pertaining to insurance company and rental car?We Answered:Yes, they are NOT required to directly pay the rental car company. ...
Kristin Said:My Landlady has home owner's insurance on my rental. Should I take out renter's insurance?We Answered:Yes, liability.
And homeowners on the rental property, isn't necessarily going to give the landlord any COVERAGE.
So, say someone slips on your rug and breaks an ankle and sues you. YOUR RENTER'S polciy will cover you.
Your landlord's policy will NEVER EVER EVER cover YOU. It won't cover your STUFF.
So if the place burns down, you lose EVERYTHING. No coverage, unless you have renters insurance.
Hey, it's cheap - like $150 a year. So it's silly to...
Lynn Said:which company has the best renters insurance in terms of service and price?We Answered:definitely try an "a" rated carrier and opt for the all risk policy. most "all risk" policies include breakage and mysterious disappearance (your diamond fell out -who knows wear". ask for replacement cost. you shouldn't have to schedule items that are covered for breakage however if you have antiques then it is highly suggested that you do purchase a "floater" policy for many policies only give acv for antiques. good luck with your search. if you go directly to the carrier then chances are you will...
Allan Said:who offers free legal advice in Austin, TX?We Answered:The Austin Bar Association has a hotline called LegalLine where you can call volunteer attorneys on the first Tuesday of every month for free legal counsel.
See their information in the link below.
Good luck to you.
Shirley George Frazier
Author and Small Business ExpertFelix Said:Who sells the least inexpensive Renter's insurance?We Answered:They're ALL about $100 to $150 a month in your neck of the woods.
So the CHEAPEST one, is the one that does your car insurance - the discount off your car insurance will more than pay for your renters insurance.Ruby Said:is...
Clayton Said:What makes republicans think dems. are against people being rich?We Answered:they keep trying to take income from the rich. They EARNED it and they should get to keep it.Mattie Said:Donald Trump says it's very dangerous to tax the rich, the very people that create jobs?We Answered:It is dangerous, problem is a lot of his friends voted for Obama and now they are paying the price. The time has come to where the more successful you are the more you are punished. I am not rich by any means, but there is a reason people from all over the world...
Steve Said:In Richmond BC what house insurence company is the best?We Answered:OmahaWalter Said:Got a job offer from state farm that sounds a little shaky?We Answered:Depends on how good you are. It is probably a commission job....
Gwendolyn Said:Can a Democrat please explain how this is BUDGET reconcilliation?We Answered:I do not think this is new news. but thanks for the info.Miriam Said:child custody question?We Answered:His bio father still has all his legal rights and doesn't automatically lose them ---if you get married, he re-enters prison. he is in and out of his child's life, or doesn't pay child sup[port. He is stillo the legal father....
Kelly Said:So, what would you do if things like the following were your worry 7 days a week and death threats exchanged?We Answered:This is a total scam. If you have paid any money at all, it is gone.
There is no gold, there is no Commander Yaw. there are no Diplomats, assistants, secretaries, There is a scammer in an internet cafe somewhere in west Africa stealing your money.
If you have sent any money, and I will make a guess and say it was by Western Union, it is long gone.
We have 525 seperate posts made here http://www.scamwarners.com/forum/search.… detailing...
Maria Said:Can I Sue A Collection Agency?We Answered:Hi, Really, this is not a matter for a suit against them. First of all you need to send a registered return receipt requested letter to them. You need to tell them this is not your account and tell them that they can no longer call or contact you in any way regarding this matter. If they take it to court, you will have to prove that the initial account was your Fathers account. They probably have your information if your Father used you as a reference or contact....
Everett Said:FAKE EMAILS FROM WAMU / CHASE Users Read this!!?We Answered:Yes, never believe any of these unsolicited emails you receive, no legit email would require you to enter such delicate information, and without any identification that the email is legit.
Whenever you receive emails claiming you have won something, your account has been hacked and you need to verify its your account via giving account details/bank details etc.....They are a scam.
The only people that win, are the thieves, that just acquired very delicate information which could be used in a harmful way which could damage your well being.Kay Said:Who should have...
Nora Said:Suggest me the best option out of given below?We Answered:My Dear!!!! Retail Store is the best option but if u try for distribution of Unilever that's very good i hop u try it ...... best of luck dear .........
Michele Said:How can I keep my insurance agency from suing my schools' insurance?We Answered:I think your saying that your health insurance company will sue your school? I don't think so. They just want to get reimbursed for their expense because it was someone else's fault that this happened to you.
They do not sue for pain & suffering or for damages. They just sue for the cost of your care. And, usually they do not sue, they just ask for reimbursement. I would not worry. ...
Hector Said:hartford Insurance brokers?We Answered:no...
Andrea Said:Since when did terrible economic circumstances result in terrible child abuse?We Answered:You're right - there's never an excuse for abuse. But there's a whole load more kids needing stable homes now because their families are struggling. The struggle can lead to substance abuse to dull the reality and the substance abuse can lead to violence in the home ...
You don't need to be Einstein to work it out. It's very sad but very true....
Cody Said:Can a collection agency garnish my SSI & Social Security checks over a cell phone?We Answered:No, they cannot. Only the government can take your tax returns and SS checks. (unpaid child support, unpaid taxes, fines, student loans, etc.)
Here's the deal. Companies are quick to charge off accounts right around tax time. It's a tax write off. That's beside the point. When the company charges off an account, they sell it to a collection agency to "X" cents on the dollar. That way they make some money towards the debt. The collection agency...
Patsy Said:you can select a individual retirement plan at?We Answered:B - a bankCarol Said:How do I get a 1099-misc transferred or reissued to my employer?We Answered:if you got a w-2 from the agency where you work, then you don't have to count the income twice - just ignore the 1099. try and get some proof from your company that they cashed that check and repaid you or find out if maybe they did not include that money in your w-2 - if that's the case, then you would claim the 1099 incomeMarian Said:Help with statistics probability question?We Answered:A = have...
Tyrone Said:How much money does an insurance agency make when they sell an insurance policy.?We Answered:There's no ROI - return on investment, for selling a policy.
The commission varies, depending on the type of policy. On average, it's 10% for auto, 5% for workers comp, 15% for commercial package, and 18% for homeowners.
Out of that, they have to pay postage, office supplies THEIR insurance, salaries, utilities, etc.Priscilla Said:Do you need to be certified by an insurance company before you can sell their insurance.?We Answered:Nationwide is an "exclusive" or captive agent company, i.e. if you have a contract with Nationwide you...
William Said:I need a replacement insurance license. How would I go about getting one?We Answered:You get an application from the agents section of the state insurance department website; pay a fee, mail it in, and voila! They'll mail you a duplicate license. It takes about three weeks....
Jean Said:How does a person become an insurance agent?We Answered:You must be issued a license by the state you're living in. To be licensed you must complete a prescribed number of course hours, usually given by an 'insurance school'. One license, property and casualty, will allow you to sell automobile, homeowner's and renter's insurance, while another, life/health/accident will allow you to sell that product line. After passing the school's requirement and receiving a license in your state, then you must be appointed by an insurance company in order to sell their products....
Doris Said:Will it be viable,A shop selling Mutual funds and Insurance only?We Answered:Volume of selling will only decide if it will be viable or not. You will require a good team of sellers to achieve it.Brandon Said:What is the name of the Act of Parliament which prevented non regulated agencies selling insurance products?We Answered:The FSMA was amended so that the Financial Services Authority became responsible for regulation of all insurance mediation activities.
This was brought in to comply with the Insurance Mediation Directive from Brussels and had to be in force by 15th January 2005. The FSA took up regulation on...
Ana Said:Health insurance provider and service provider disagree on discount?We Answered:The insurance company's advice is asinine: don't take credit advice from the insurance company. Go ahead and pay the bill - then you can continue to dispute it and ask for a refund if you prevail.Bruce Said:Is there a service/agency that will provide an attorney for low income people in their state?We Answered:Depending on what type of case you want to pursue. If it is a worker's comp case,most attorney's will accept the case if it financially viable for them to do so,and do it on a contigency...
Dale Said:How big should a business be before the owner finally delegates responsibilities?We Answered:It sounds like you are at that point. If it feels like too much, it probably is and if you are in the black, you can definitely outsource now.
If you are concerned about handling the legal aspects, book keeping, etc. of a new hire, you can go through a temp. agency first.
That way, you pay the agency and they handle payroll, etc. for their employee. The agency can coach you through it. You can always keep the person on, too, if it works out.Jane Said:How...
Milton Said:How much does blue cross small business health insurance cost for 10 employees.?We Answered:It depends on several factors, including the type of business, age of the group members, general health and claims experience of the members (and any family members also included in the plan), location, type of plan, and deductible.
For the sake of comparison, if everyone is in fairly good health and not working in a physically dangerous job, in Virginia a plan with a $500 deductible (and $25 copayments for doctor office visits from day one) would run approximately $3000/month. If anyone in the group...
Mary Said:What are some smaller insurance companies in Michigan?We Answered:you can always use progressive to compare to big companies
but if you really wanna go smaller could be worse.
but try these
they are by county so you will have to check it out hun
http://www.internetautoguide.com/auto-in…Willie Said:Group insurance - can two small companies pool together to form one group to become eligible for group ins.?We Answered:No, you can't do this.
They'd have to be owned by the same company. If you formed a corporation to own both companies, that corporation would have to pay the bill. And, if the other company...
Troy Said:HI! I had a job offer from Uk. I want to validate it because I`m not familiar with the visa and job offers you?We Answered:It's a scam.
You cannot get a visa for this type of work in the UK unless you have been working for the family for at least a year outside the UK.
The wages are far too high for this type of work and you would not get medical insurance, car and accommodation on top - NO WAY. Use your common sense and don't let greed get in the way.
The postcode is for a pub in...
Craig Said:Laid Off & Need Advice re Insurance Company?We Answered:California has a high risk health insurance pool.
The bad news is, there's currently a 12 - 18 month waiting list. The good news is, after your COBRA runs out, $800 goes a long way towards buying insulin and test strips.
California Managed Risk Medical Insurance Board - (800) 289-6574
California also is currently participating in the federal Preexisting Condition Insurance Plan - http://www.pcip.ca.gov/Home/default.aspx is the link for that information. The price is considerably less than $800 a month, and is dependent on your age...
George Said:What do I have to organize when going as german aupair to GB?We Answered:You are an EU citizen so therefore you just pass through the EU channel. You don't have to declare why you are going to the UK. There are some important things you should do.
1. Apply for a National Insurance number. Here's how.
http://www.direct.gov.uk/en/MoneyTaxAndB…
2. You should complete a P86 form to tell the tax authorities tat you are living in the UK. Here's the form.
http://www.hmrc.gov.uk/cnr/p86.pdf
3. You should open a UK bank account. It's very expensive to use your cards in...
Benjamin Said:Should I leave my steady job and do at-home medical transcription full-time?We Answered:Absolutely you should do that; much better for both of you; as to finding viable companies go to monster.com and post your resume there and also check your local hospitals. You might also post your own ad stating what you're looking for work-wise and salary-wise.Carol Said:How can a person make the best career decision fast?We Answered:Well if you don't have money right now and you are feeling pressured I would just get a 'job' job. Look for who is hiring, find out people who are paying in...
Rachel Said:Why is it cheaper to get a 3 month supply of a medication with most insurance companies?We Answered:The cost of the medications is HIGHLY inflated. The pharmaceutical companies make a TON of money off prescription drugs.
In order to sell MORE drugs, they do "volume discounts" with the insurance company - that means, buying 90 days supply, you buy each of those pills for a reduced rate - MUCH cheaper than buying 30 day supply. So no, the insurance companies are paying LESS per pill, when you buy 90 days supply.Kim Said:Why is...
Holly Said:Can I be a feminist if I'm also a masculist?We Answered:Of course you can. And I'm right there with you, buddy.Micheal Said:Why arent people in Britain confronting Cameron on unemployment?We Answered:Benjamin Disraeli during the debates over the 1872 Reform Act said that Parliament had nothing to worry about in extending the voting franchise because the British people were 'inherently' conservative (with a small c). He was right.
My Father was a political activist on the 'left' throughout his life. He said that there never was a Tory government in this country that wasn't voted in by the working...
Victor Said:We need help getting a new roof.?We Answered:if you can't get help from your church, maybe a few of your friends could get together and put a fund raiser on for you. They could get donations from local stores, and raffle off what is donated, also have a pot luck dinner, sell tickets to the dinner and raffle. or maybe you can find someone in town that will donate supplies to fix the roof. and have a fix it party. I hope this helps somewhat---good luckKatherine Said:Federal Reserve oversight? Were you hoping for oversight OF the Federal Reserve? Sorry......
Marc Said:Rental car agency wants my credit card info when another insurance copmany is paying, why?We Answered:The rental company wants to be sure that they get paid. The insurance company will only pay for the rental until your car is ready at the shop. If the car is ready to be picked up on Tuesday, and you do not pick it up until Friday, you would be liable for the rental for the extra three days.
The rental company wants to be sure that they are paid. This is a standard and reasonable practiceCody Said:How do I get appointed to sell...
Suzanne Said:Work for Allstate or start my own Independent Insurance Agency?We Answered:I am not an agent, never have been an agent and wouldn't want to be an agent. I am an independent claim adjuster who deals with both independent agents and captive agents all the time. The captive agents complain a 1000 times more about their job than the independent agents do.
I get the impression that the captive agents regret taking the certain money guaranteed by the base salary. From what they tell me that base salary means Allstate or whatever company owns them and can make a captive...
Eduardo Said:Okay so travel agency is out. What about starting an insurance agency?We Answered:Associations may be a good avenue to explore. These organizations will address many of the thoughts, questions and concerns you'll inevitably have as well as many you haven't anticipated yet.
http://www.ambest.com/directory/ascdir.h… -- Directory of Insurance Associations
Research, research, research – this cannot be stressed enough. Read as much as you can about the industry. Here are some book titles that are relevant:
* 10 Steps to Success: A Commonsense Guide to Building a Successful Insurance Business by Daniel S Fowler
* Principles of Principled Life Insurance Selling by Ned Ricks
*...
Laurie Said:How would I go about starting a Rapture pet insurance agency?We Answered:Somebody already has http://eternal-earthbound-pets.com/Vickie Said:Question on starting an excess & surplus insurance agency: How hard is it to get an appt. w/companies?We Answered:You don't get "appointments" to work with E&S companies. There usually aren't territory restrictions.
If you have an E&S wholesaling license, you can submit your aps to ANY of the E&S companies.
If you want binding authority, though, you're really looking for an MGA appointment - and you're going to need to show them quite a resume, before you'll get that....
Leon Said:Insurance agencies charging fees for accepting payments in office. Your opinion?We Answered:My agency charges $7.00 and we collect only for on time payments. I am aware of other agencies that charge up to $15.00. i honestly try to direct my client into other directions whether it is to pay via their website, via phone, or mail. If the options are limited with their carrier than I will collect it in office....
Jimmie Said:Which insurance companies provide taxi cab coverage?We Answered:http://www.dmv.org/va-virginia/car-insur…Tiffany Said:Can my taxi car be insured by more than 1 insurance company?We Answered:Sure it can, but why would you want to? You can't collect twice, and a personal auto policy isn't EVER going to cover a car with a taxi plate. You'd be lying on the application - which voids the coverage.Alex Said:Can i cancel taxi insurance before one year ?We Answered:You can switch to another company, but if you want to keep your filing, you have to buy the new insurance before you cancel the old insurance.
Kinda dumb,...
Lois Said:US has greater than 30% obesity rate. Should Food Policy be addressed concurrently with Health Care policy?We Answered:The agriculture lobby is much too strong. If we couldn't get around ethanol, which costs ten bucks per gallon, we wont get anywhere with this.
We are not the fattest country on earth by far. Tonga is....
Allen Said:help me please have i run out of time?We Answered:I believe it's just a year from the at fault party. There may be help still under your own policy but they could deny for late reporting.
If your agent couldn't assist you with this question, then I would find another insurance company. This is basic info they should no or at least with one phone call can find out.
You can also contact any attorney to find this out for free as well.
Good LuckDustin Said:What would be the charge, if any, for this?We Answered:It wouldn't be considered filing...
Maxine Said:Can anyone help me think of a good name for an insurance agency?We Answered:Think of a sports team possibly and add you initials. like M.B. rangers financial. Mavericks financial. Titans financial.Eduardo Said:how to start an insurance agency IN Texas?We Answered:Depends on whether you want to be a direct writer or an independent agent. If you want to be a direct writer just contact a state farm/allstate/nationwide ad. If you are interested in a independent agency then there are alot more options to look at.
If interested in a independent agency contact me.Wanda Said:how do i become an insurance...
John Said:Is their an agency over insurance company??We Answered:contact the commision of insurance. That will help you get the process moving again. Companies dont like to have the commision looking in on there business. Good Luck
Here is there link : www.tdi.state.tx.usVivian Said:If you were going to start up your own captive insurance agency, which company would you choose and why?We Answered:Depending on WHERE you live in Texas, there might even be an opportunity to open a GEICO office! They have bee running ads in various papers around the State. With all of the money they...
Tonya Said:How does the new 1-50 insurance group rating work?We Answered:Yes, there's allegedly a larger spread of prices so that some will cost less to insure than they used to in the older groups & some will be more. The exact scale should be to multiply the old group by 2.5, so you're old group 5 will be a new group of around 12.5 - so a group 12 should be slightly cheaper, ad group 13 should be slightly dearer.Juan Said:Where do I find the insurance group number on a Kaiser Permanente insurance card?We Answered:Not all insurance plans use "group...
Isaac Said:difference between comprehensive and third party insurance?We Answered:Hi, Comprehensive insurance covers you fully to the extent that in th event if an accident, and for example its your fault, the insurance company will pay for damages to both yours and the other party. Third party insurance is, in the event of the same accident, the insurance company will pay for the other party's vehicle only, not yours, hence thrid party cover. Hope that helps!Ricardo Said:Can you deduct medical expenses if you received a settlement from a third party insurance claim?We Answered:Not unless your medical expenses exceeded what you received...
Lance Said:What is an adequate amount of time to put in a claim with an insurance company?We Answered:Why are you doing the phone calls and contacting other persons & other persons company? That's the job of your insurance company. As long as there was no personal injury, put your claim in to your insurance company. Once that occurs, your company must contact the other insurance and 1.come to a settlement with the other insurance company or 2. bring the other company to court for the funds. Either way, it's their job. All you're interested in...
Jennifer Said:what are the top 10 health insurance companies?We Answered:The 10 Largest Health Insurers (2003)
(by revenue)
UnitedHealth Group
WellPoint
CIGNA Corp.
Aetna
Anthem, Inc.
Humana
Health Net
PacifiCare Health Systems
Oxford Health Plans
WellChoice
Hope this helps,
Barnes@MostChoice
http://www.mostchoice.com/health-insuran…Marshall Said:top 10 marine insurance companies?We Answered:In India there are no stand alone marine insurance companies. All the General Insurance companies also sell marine insurance.
Amongst private insurance companies, Tata Aig has good marine policy. It has internet based option, wherein you could issue policies yourself provided you give them suitable business.
PSU Insurers are more or less same, go for the known devil as service is DM dependentBonnie Said:What are your top 10 reasons to change...
Pauline Said:How many sq feet is a normal two story bank that you go to for deposits/checks n stuff?We Answered:Here in the San Francisco Bay Area the average retail bank branch is 12-15,000 sq.ft. I just appraised 3 of then in the last year. In small towns it is as little as 3,000 sq.ft.
Insurance agencies are approx. 300 sq.ft. per employee.
Small law firms (1 man operation) are about 500 sq.ft. However, I have seen a single lawyer without a secretary operate out of a whole in the wall office of 200 sq.ft. Conversely, an older established lawyer with a paralegal/secretary/research...
Larry Said:What is top priority for Health Insurance Companies?We Answered:Making moneyJoe Said:Who are the top ten largest life insurance companies in the world?We Answered:In what category? Financial strength? Amount of premiums collected? Amount of dividends paid? Amount of coverage in force? Number of policies?
Lots to consider. You can go to TheStreet.com to look at financial strength. You can research AM Best, Moody's, Weiss and other independent research firms or you can call a local life insurance agent and ask them to run a "Vital Signs Report" for you comparing particular companies in all of this criteria.
Some of the...
Gloria Said:Which are the best reliable life insurance company?We Answered:Lots of luck getting life insurance if you're working in the Middle East right now.
Get your competitive quotes first, then you can check the rating at www.ambest.com, but the quotes should also indicate the AM Best rating.Johnnie Said:Why do insurance companies provide you with the rates of their top competitors?We Answered:It's marketing, but the rates are not always 100% accurate. Just for fun, I put my car into progressive to see what they would give for competitor's quotes. My company was one on there and it was $400/ 6 mo....
Claire Said:Details about service tax refund?We Answered:yes u canHelen Said:I am starting a business where I will be transporting people and I am wondering what kind of Insurance?We Answered:You will need more that insurance to conduct this type of business. Contact the state government office you live in and ask what permits and insurance is needed for this. It involves much more than you think.Norma Said:What is the best agency to hire a self-drive car in Manila or Iloilo?We Answered:we normally rent a car from Hanna in makati they do allow self drive
you can contact them at this number:...
Wayne Said:Hi I am 19 years old and I own my own travel agency/local insurance company. and...?We Answered:If you owned your own insurance AGENCY, you wouldn't be referring to it as a COMPANY. I don't believe you.
And you can't get a merchant account, if you can't back it up....
Roland Said:Is it a rip off to get the "travel insurance" when purchasing packages through online agencies??We Answered:You have to make the decision.....is it worth the $80 if your trip is cancelled, or you get sick, etc.
With the growing number of small airlines that are going bankrupt and shutting down, travel insurance is becomming a more popular option.Shannon Said:travel insurance and travel agencies?We Answered:We offer tickets and insurance on our site. Different companies have different terms.
Keep in mind that checking with an agent is free to you. They may be able to offer you a lower...
Glen Said:Should you buy cruise insurance from a travel agency?We Answered:Personally, YES!!! I never travel outside of the country without it. Unfortunately, unless you need to actually use the insurance, it's money you won't see again. It can definately feel like you've taken $100 or so and just tossed it out the window, if your trip is uneventful and you don't need to use it.
However..... if, heaven forbid, something ever DID happen; you lose your luggage, you need to cancel your trip because of an emergency, something happens to you, like taking a nasty spell down...
Thomas Said:truck rental insurance company?We Answered:autoinsurance.maclenet.com - try this one. I have their car insurance and, as I know, they can provide such a service.Mario Said:Why is Progressive Insurance Agency only giving me a rental car for three days?We Answered:most probably you are expected to get a car within three days assuming you have the check for your total losss in hand to pay down. you got a car for longer before because they knew how long it would be for the repair. ...
Charlotte Said:Can I claim unemployment insurance if i declined an offer?We Answered:~~It depends on your state law. In CA you do not have to accept a job offer if it is more miles, significantly less pay, or completely different hours that you had previously.
So look at you state's unemployment laws regarding what is required.
Just from knowing so many people in your situation, depending on the state you live you may have no choice but to accept something below your standards for awhile just because the job market is very tough right now. So weigh your decision carefully, once those benefits...
Naomi Said:how many insurance agencies are there in the United States?We Answered:If you really would like an answer to this question, I'd check with the National Association of Insurance Commissioners at their website: naic.org. If you contact them, they can likely give you a quick answer. If you want to research it yourself, check with the individual departments of insurance within each state. They can tell you which companies are licensed to operate within their state. The easiest way to navigate from one department of insurance to another is also found on the NAIC site: www.naic.org/state_web_map.htmHenry Said:insurance in kentucky?We...
Bertha Said:Why is the MSM ignoring this?We Answered:The MSM did not ignore it. It was reported in all the media. I saw it in my local newspaper and on the news for several days. It went away because there seems to be nothing in it that is actionable, Feinstein has represented California well, and has a reputation for integrity.Ellen Said:People's Republic of China?We Answered:Next time you post something like this, with facts and figures, post a link so people can check it out to make sure its legit, based on current events, and not more china...
Anna Said:Can any one tell me the ful form of UAT? Its a health insurance company in USA.?We Answered:Not sure if this is what you are looking for.
http://search.yahoo.com/search?p=UAT+SCU…Morris Said:what is the best life insurance company in the the USA?We Answered:car253 is correct; the insurance company isn't the important issue. Any company with an AM Best rating of A or higher is fine; and that describes most US companies. What is really important is who you purchase it from. Life insurance is an intricate financial tool, and beyond the basics, most insurance agents don't come close to understanding...
Natalie Said:Does your previous employer have to pay part of your unemployment pay?We Answered:No. But just like you get a surcharge on your auto policy when you have an accident, you get a surcharge on your unemployment taxes when you have people filing claims. The more the claims, the higher the surcharge.
So your filing a claim, would raise how much they pay, from (example) 3% of payroll, to 5% of payroll.
You should also file a complaint with your state department of labor.Carlos Said:I don't have insurance, but I got ina car accident and a collection agencyw...
Jo Said:Looking for personal lines Insurance sales job in Los Angeles or San Fernando Valley.?We Answered:My Dad was just laid off as well - he was a sales manager and received base pay, commission overrides and bonuses. The economy is terrible!
He decided to try a company that's 50% commission and you get paid right away. He though he would give it a try while looking for something else. In the meantime he has decided to stick with this company, work part time and figured out he is already making about $100 an hour.
I could pass...
Andy Said:help! entering canada from US by car?We Answered:You can pretend anything. The fact is once the pretence is uncovered by law through an accident or a rat; then you are liable to the courts. Here pretending ignorance is invalid, they will still want a registration. Probably money for a fine as well.
Honesty is the best policy,it's better than your insurance policy so go and register your vehicle for the B.C. provincial government.
You'd be amazed how much can happen in a day and a half, imagine what could happen in a year and a half!Emily Said:Why is...
Ron Said:Who pays the deductible for house insurance when a vehicle hits it?We Answered:the vehicle insurance company or the owner of the vehicle,you may have to take them to court
your house policy company should be doing that for you,i think you may need to get on there asses and bug the hell out of themSherry Said:Important question regarding auto insurance while renting a vehicle?We Answered:you are responsible for the car up to the value of it.The rental company will say that no one will wants to rent a damaged car and if it takes a week or so to have...
Arlene Said:What can you do about an insurance agency that has wronged you but will not admit?We Answered:Consult an attorney immediately.Carmen Said:should i report an accident to the insurance agency?We Answered:Try to deal it out of pocket, otherwise insurance rates will go up much more. You can check how quotes will change here - autoinsurance.noneto.comAlfred Said:Car accident,not my fault.Other party's insurance agency trying to reimburse from me.?We Answered:If you have any sort of proof, witnesses, or evidence to support your case you could take it to court...
Jorge Said:Can the broker withhold payment to the carrier after the vehicle has been delivered?We Answered:Okay, generally unless there is a relationship between the broker and the carrier, the bill is paid before the vehicles are dropped off.
But that really isn't what you are asking. In your case, the guarantee that the vehicles would arrive in good shape wasn't met. The carrier is supposed to be insured so that in the event damage does happen, it can be remedied.
Yes, he can withhold payment until he knows for sure that you will be fixing his vehicles and making him...
Annette Said:Can you help? I am trying to sell my car through auto trader (Diesel Models ford) but think its a scam? read?We Answered:scam scam scam scam scam scam scam scam scam scam scam scam
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Justin Said:Who is the right agency to call for help?We Answered:Registered Nurse here; I would start at the county courthouse, in the county in which your sister lives. This is where indigent funds are kept, and vouchers given to people with such urgent medical care as she need. Furthermore, the American Cancer Society, may be able to assist. Also talk to the Doctor, I cannot remember a case that a patient wasn't treated for cancer, due to inability to pay. There is also Medicaid, which sounds as if your sister would qualify. Also call local...
Kay Said:Insurance Brokers for an Entertainment Agency?We Answered:Hi Tom,
Might be worth giving Hiscox a try, they specialise in 'slightly different' small businesses. Never used them myself, but they have a good rep.
No idea how good a deal they'll get you ... but hey what's an e-mail going to cost you to find out.
Best of LuckAnnette Said:I am in DIRE need of Oprah's email address. This is why:?We Answered:go to Oprah.com...you can contact the show thru there...
Earl Said:The traffic from each office is proportional to the population in that location. For example, the traffic at H?We Answered:You've left way too much out of your question beginning with the document referred to in the first line of the overview.
The consulting fee of 15% sounds reasonable but I'm having trouble convincing Cisco and the other suppliers I have in mind to trade equipment for Yahoo! points, which is the currency of the realm here.
BTW - If I were your professor, and found your submitted proposal mirrored on Answers, you would flunk my course.
Don...
Frederick Said:I need CHEAP auto insurance HELP ASAP 10 points!!?We Answered:sorry; all the rates have in fact been increased. make sure you are getting all the discounts you are entitled to (and this can include organizations that get discounts that you may belong to, certain credit unions, veteran's groups, fraternities, etc. )I know you know that cheap is not going to be good, but money IS tight. Call a local agent and get a quote, because little local agents usually broker several companies. Beware of add-ons like towing, accidental death, legal services, and hospitalization which are not part of the...
Marshall Said:What agency regulates hospitals who overcharge patients in Cal.?We Answered:I believe that falls under the Dept of Commerce.Eugene Said:is royal travel and consultants agency a legitimate?We Answered:Sounds like it. Why are they asking you to pay for a job at their agency? I wouldn't send them anything. They can steal your work documents and any other information you send them and sell it to someone else.
Smells like a scam.Raymond Said:money conning. oversea student send me a cheque far more than i asked for?We Answered:This is a very common scam. The check she sent isn't good....
Casey Said:Why is my agency forcing me to take insurance of my belongings that includes accidental damage cover?We Answered:they want you to get renters insurance for your stuff in-case anything happens to your stuff like a fire or a pipe burst on the floor above you wont sue themEnrique Said:Who can/would come out to take pictures of your home?We Answered:an artistEvelyn Said:Telephone white pages for Denver, CO?We Answered:Look it up on 411.comJohnny Said:Can you identify this old black and white movie?We Answered:Seconds (1966), starring Rock Hudson.Marcia Said:Who is at fault in a white out conditions, 4 car accident?We Answered:I don't...
Lucille Said:what does this mean when you are applying to get a business started?We Answered:No. The bond can be purchased for LESS than the face value.
Basically, it's like an insurance: you did something wrong, they would have at least $5000 in their pocket for damages, even if you run. Then the bond enforcement folks come after you for the rest, and that has nothing to do with them. :)
And you are guaranteeing the bond as a PERSON, not as the business, which is a separate entity.Lawrence Said:Will you please read my conclusion on my paper and tell me what...
Clarence Said:Did Randy 'Baby Killer' Neugebauer learn his decorum from Joe 'You Lie' Wilson?We Answered:What a low life. Republican members of Congress need to be sent to basic courses on how to conduct themselves in public. Since no federal funds can be used for abortion and he knows that, he was just acting like an idiot.
Republicans were doing their best to try to kill the bill and they were losing the effort. This is how sore losers act when they're beaten. They call names and lie.Enrique Said:Who is racist? And what is racist? And...
Lorraine Said:Approximately how much does it cost to get insured and bonded as a repossession agent in Wisconsin?We Answered:You'd be better off contacting several insurance brokers in your area and asking them for a quote.Kelly Said:Does my mother need to get worker's compensation for her live-in caregiver (Wisconsin)?We Answered:I would call that an employee. She works directly for your mother. She is paid by your mother. That's an employee.
Call your mother's homeowners insurance carrier and see if they can cover domestic employees on her homeowners insurance. You also need to check the IRS rules regarding domestic...
Ricky Said:Is it better to work for a insurance agency as a underwritter or be a agent?We Answered:It's better to be an agent. Make your own hours, get paid more, and retire earlier.
Underwriters work 9-5 type hours and get paid less.
... But again, Agents get most of their money from commissions. But once you build your book of business, you hire someone to do your work, and sit back and collect the renewals.Jessie Said:Insurance Position?We Answered:I don't know about underwriting, but to work as a claims adjuster, you have to be licensed for the state in...
Darlene Said:have cobra ins from pryor employer hurt on job no worker comp and cobra plan won't pay what can i do?We Answered:since you are your own employer, I would suggest writing a letter on your company letterhead stating that you do not carry work comp on yourself and have no employees. Submit that with a letter to the health insurance carrier explaining your situation, along with the original denied claim.
Your health insurance should pay if there is no work comp.Clayton Said:Is it legal for a company to force contract workers to buy worker's comp insurance?We Answered:Yes,...
Hugh Said:how can i be sure that boss has me covered with workers comp insurance?We Answered:Are you REALLY a sub contractor? Look over these two links, and then tell me if you're a sub:
http://www.twc.state.tx.us/news/efte/app…
http://www.peakconsultinginc.com/Article…
It's a common - and unsuccessful - ploy for contractors to hire people, call them subs, not pay taxes on them, and then not cover them for workers comp.
Bottom line - if you subcontract work out to someone who has no workers comp, then YOU are responsible for the benefits, even if you have no insurance.
Also, any employer that HAS workers comp coverage in...
Dwayne Said:If I am hurt job in Texas and my company does not have workers compensation insurance. What are my options?We Answered:File on your insurance and sue the company. Make the company pay for services up front and get a letter from them stating that any other expenses will be taken care of. Get a lawyer and do not settle for the first offer. It is agianst the law for them not to have comp insurance so they could looses the business alsoDarren Said:Can workers compensation insurance cover third party who works in the insured place? ?We Answered:In most states,...
John Said:I clean houses - how can I get workman's comp insurance?We Answered:Well, workers comp will pay for your medical bills and lost wages if you get hurt. For your job, if you have no employees, it's probably going to cost about $1,000 a year, paid up front.
In some states, unless you're a corporation, or have employees, you can't get it. So a sole proprietor can't get it, in some states.
These people are worried about it, because the HOMEOWNER can be on the hook for your lost wages and medical bills, in some states, if you...
Ricardo Said:This question is for everyone and anyone with a potential young driver in the household?We Answered:I am now past that in life, my girls are 18 and 22. Point is that in California there are restrictions for the first year you have a license. No one under 25 allowed in the car, or at least one person over 25.
Now, having to drive our daughters to and from school, forming insane car pools (Kids get out at different times as they are in different sports). Getting the kids cars at 16 was great. No...