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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 bulls in NJ and homeowners insurance coverage....?

We Answered:

I'm with American Family and they have the same policy that your brother-in-law has. They will not insure if you have certain breeds because of the high risk.

Brett Said:

Health insurance question?

We Answered:

If your insurance company has received this claim and processed it then the charge is either covered or denied. It sounds like they denied the charge due to the CPT (current procedural code) being either invalid or possibly not matching the diagnosis code. Regardless of why it was denied you should not be stuck in the middle. Your doctors office should be working with your insurance company to correct this. You should have received an EOB (explanation of benefit...says "this is not a bill") and it will say on the EOB what the patient is responsible for. Many times your insurance company will deny the charge due to coding errors however it will say the member responsibility is zero. That means the provider cannot balance bill you for this. If the provider is a participating provider than it is more likely that you should not be billed. Contact your insurance company and demand that they do a three way call to the doctors office and get it resolved right away. If the insurance company says they cannot contact the provider, than ask to speak to a supervisor. They have to work with you to resolve this. I have been in the health insurance business for 12 years and I deal with this all the time and it usually is a matter of the providers office rebilling to correct it. Whatever you do, dont pay for this as long as the denial remains a coding error. CPT codes are often updated yearly and many times the providers office is not aware of this and they bill with a deleted code. There is no reason why your plan would not cover an ultra sound and you may just have to be more persistent in getting it taken care of. Good Luck!

Nellie Said:

How does a new independent insurance agent get appointed/chartered by insurance carriers?

We Answered:

As a inexperienced agent, it will be very difficult to find property & casualty companies that will want to contract you. It won't be so hard to find life and health carriers that will.

To contract with a P&C company, you will have to show experience, i.e. Current book of business, how long in business, types of business (preferred, standard, and non-standard), and loss ratios.

The best way to get experience is to go to work for an independent agency for a few years, to build experience, or go to work for an insurance company as an employee of the company to gain the knowledge and experience you need.

You can try Liberty Mutual, Metlife, American National to work as an employee agent. Or you could contact any independent agent, or Nationwide, State Farm, or Allstate.

Once you get some experience, it will be a lot easier to start your own independent agency.

Best wishes.

Cassandra Said:

How much would it cost to get an "insurance selling" license in NJ?

We Answered:

The fee schedule is here: http://www.state.nj.us/dobi/insliced/lic… it depends on what KIND of insurance you want to sell. And the process is here: http://www.state.nj.us/dobi/inslic.htm and that also depends on the type of license, and your exact circumstances.

Generally, you have to complete required education, pass a test, pass a backround check, and pay $190.