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Terry Said:

What exactly does "referral required" mean in health insurance.?

We Answered:

For certain medical visits to a 'specialist' a referral is required by many insurance companies. This facilitates billing and ensures that claims are a covered medical expense. As for a choice, it would depend if the doctor you wish to see accepts the particular insurance you have. this is what is known as a 'par-provider' (participating provider). If they accept your insurance then everything typically goes very smoothly.

Troy Said:

Does my car insurance go up if i claim my rear bumper? I have full coverage and got into fender bender..?

We Answered:

Well what happened in the accident? Did someone rear end you, or did you back into someone (or something)? It matters whether you were at fault or not- if you are at fault, it is considered a chargeable accident and your rates will most likely be affected. Also, there may be a certain dollar amount threshold that you would have to reach before rates were affected. Simply put - only your agent can tell you whether or not your rates will increase. Your agent knows everything there is to know about your policy, your history and your insurance company.

Betty Said:

Does my insurance background disappear when i cancel my insurance premium?

We Answered:

Your motor vehicle history and CLUE report will follow you wherever you go. If you drop your insurance, then it will cost you more the next time you buy insurance.

Bobby Said:

What does total Premium mean?

We Answered:

The total premium is the amount you pay for that time period, which in your case is a year. It is not impossible for your rate to drop. When you turn (I think) 25 your rates get reduced.