Calvin Said:I filed for bankruptcy chapter 7 in California 2004 - can I file motion to reopen?We Answered:Yes, you CAN file a motion to reopen the bankruptcy so you can file amended Schedules.
However, you may not need to. In some Federal Circuits -- and I think the 9th Circuit is one of them -- there were appeals court rulings at the time which said that even if a debt was inadvertently omitted from the bankruptcy Schedules, it was still discharged.
Since your case pre-dates the 2005 Bankruptcy Reforms passed by Congress, whatever was the law at the time would apply...
Mattie Said:Insurance company wants to "Total" fiance's car, how to avoid this? Is there a way around it?We Answered:You don't really have options, unfortunately, and I'm not sure what you do with them if you had them. What are you looking to get out of this, exactly?
The insurer is legally obligated to make you whole again, either by repairing the vehicle to it's "pre-accident" condition or by buying the car from you at Actual Cash Value, whichever is less. If the car is worth $5000 and will cost $1000 to repair, they pay to fix it. If...
Doris Said:do i have to register my inflatable boat?We Answered:Nope anything with a trolling motor doesn't have to be registered.Victor Said:Need some suggestions . . . wisdom or advice? We're eloping.?We Answered:You sound very articulate and intelligent, so keep the letter that way too. Be confident and clear in whatever you write. You need them to see you as an adult who is capable of making serious, well thought out decisions. Make sure to mention that you love them... they have contributed to you being the person you are, for better or worse, and that the door...
Erica Said:What is the usual amount of insurance coverage on aused vehicle that cost around 12000?We Answered:you should make sure you have good liability limits. go with at least 100/300/50. Make sure you also carry un/under insured motorist. then your deductible is what your portion of payment would be if you had a claim, so carry what you can afford. say if you had an accident that caused $1000 in damages to your car and your deductible was $500, insurance will only pay $500. the higher your deductible, the lower your premium. most finance companies...
Alma Said:Live in Arizona, this question is in regards to vehicle regulations.?We Answered:) What documents do I need to transfer a title and registration?
Completed, signed title application (see # 6)
Signed and notarized vehicle title
Lien release, if applicable
All applicable title and registration fees (see #2).
Any other documents that apply (power of attorney - original or certified copy, personal representative papers)
If there is a lien on the vehicle that has not been paid off, written permission from the lienholder/lender will be required to add or delete a name.
2) How much does it cost to title and register...
Donald Said:If I am the lein holder of a car, and the car is totaled, who does the check go to?We Answered:Well, as lienholder, you should have been named as an additional insured/lienholder on the insurance policy. Were you? If not, then your cousin will get the $$ and you will need to collect. If you were, then you will get the check and need to issue your cousin a check for the overage....
Jackie Said:why would my tags be in suspense just for trying to get the leinholder to change title and registration name?We Answered:welcome to the government/never do this stuff by mail/take all your info to office and get it done/never trust them to see the obviousAmy Said:Registered in AR and live in IL?We Answered:Did your mom get a loan on the car? Is it paid off? if so, your mom can remove her name from the title and transfer the title to just your name. She can't just cancel you off of her policy. The insurance company will want...
Javier Said:Is Home Inspection fee, attorney fee tax deductible for a rental property?We Answered:I believe it is, but why don't you ask your attorney. Information is one of the things he gets paid for.Amber Said:Can I give someone power of attorney in order to get my vehicle title?We Answered:you can do limited power of att. or a complete limited to just the car is best lawyer fees can run form 100. 300 dollars be sure you have proof of birth and other itemsDaryl Said:My friends wants to buy my home. Can we simply close at a title company...
Vivian Said:Should the title company pay for entire assessment?We Answered:They should pay all the back assessments so that your liens are made current. However, it is pretty typical that when public water is made available and the homeowner buys into the system, they have to pay for their portion. It's really a small investment to not have to worry about a septic tank or power outage in the future. $10,000 over 30 years is minimal.
In any case, you'll probably be responsible for the remainder. You could sue, but that money would be best put to use paying...
Charlotte Said:Is this email a scam? Says it's from Paypal?We Answered:If you did not make this purchase, then it must be a phishing email/scam.
Check your credit card account to see if any purchase has been charged.
Also, forward the email to spoof@paypal.com . I get different types of fake paypal emails from time to time and always forward them to spoof@paypal.com for their records and possible research into the scam.Alex Said:Can I claim points paid by the seller at closing on my taxes?We Answered:It's always good to see someone who has done some solid research before asking a...
Javier Said:Local real estate attorneys apparently don't need my business. Can I safely write my own rental agreement?We Answered:You absolutely can write your own lease agreement. The forms that shellanswerman directed you toward are fine but add the following to the lease agreement:
"See Exhibit "A" for additional provisions attached to and made a part of this lease agreement."
On the exhibit, where you will insert in plain, clear language any of the additional items; add this paragraph:
"When the terms or conditions on this exhibit conflict with the terms or conditions of the lease agreement, this exhibit shall control"
The lease need...
Yvonne Said:Why is NOBODY talking about Section 9002 of the Health Care Law?We Answered:More business as usual in D. C. but their trying to be tricky with delayed going into effect laws.
I think representative govt should be legal replaced by a true direct Democracy so the people can have the legal rule & control and fire at will employees in smaller govt that are well managed and made to produce. The whole for profits Health/insurance-care bill stinks!Thelma Said:Do you see any problems here?We Answered:Well written. Well said.
Thank you! I live in AZ & I couldn't agree w/ you more....
Loretta Said:What are the average costs on registering a new vehicle and buying a title & tag?We Answered:It really isn't a matter how of much it costs for the registration to the state because the real cost will come from the fees that the dealership is going to charge you to file the paperwork. Some states have laws that make that a questionable fee so that is what you should find out and if GA has those laws, you do not have to have that in your total cost or rolled into your financing.
This is the problem with buying with...
Willie Said:I left my job and my former employer hasn't mailed me my last paycheck...?We Answered:See if it arrives tomorrow, if not start trying to figure out a way to get the paycheck. Does she have a district manager (or someone else own the company)? If so try to find out what there phone numbers are, because you may need to call them about the paycheck. She can't legally keep it from you, but you may have to go above her head to get it in a timely manor. If you have a real hard time getting it, go the...
Milton Said:A title company granted us title insurance on a construction loan we made on lots with no access.?We Answered:I disagree with your contentions on the title insurer. The title firm insures clear and equitable title to the property. There are no guarantees in such a title that there is access to the property. There is landlocked property all over the place which has 'clear and equitable title'. I'm guessing that you bought these properties sight unseen yourself, and were salivating at a low price. Then snapped up what you thought was a bargain, to...
Rita Said:the best auto insurance book?We Answered:As policy forms and endorsements change from state to state, and year to year, the BEST book will be your current state licensing exam materials.Jared Said:Letting girlfriend use my car. What's the best insurance setup?We Answered:Lol I see what you mean, it's a big dilemma then.
But I can't see how she cannot insure a car that doesn't belong to her if you want to try and get an insurance for her yourself perhaps you can,
go here http://4ym8.com/CompareInsurance.html
The link just compares all the top insurers within the 50 states.
Fill the form with...
Megan Said:how would i build a small boat out of plywood around 7ft by 3ft i guess?We Answered:Yep, you can do it. In fact it is "almost" as fun as it is easy.
However, I certainly would NOT recommend any of the "free plans" to someone who has never built a boat before (even for one as small as you mention). I can guarantee you, the money you save in materials and time you save in labor, will more the offset and make up for the few dollars you will be paying for good boat...
Terri Said:Homeowners: Did you buy title insurance?We Answered:homeinsurance.awardspace.us - try this one. Got my home insurance from them. As I know they provide such a service....
Marsha Said:Anyone had any experience with environmental hazards and whether title insurance protects the buyer ?We Answered:Title insurance protect your title only. I have used it when there have been lot line disputes and easement disputes.
No hazards of any kind are covered other then a bad survey.Ernest Said:Every knowledgeable buyer closes in escrow and gets title insurance?We Answered:When I buy foreclosed houses or short sales, or for that matter ANY real estate. I ALWAYS get title insurance and have a lawyer handle the transaction/closing.
ALWAYS!Mike Said:Are you obligated to pay for the title insurance if the buyer backs out?We...
Tyrone Said:Car insuranse- Name on title and insurance?We Answered:You would be better off calling AAA and ask them, they will give you more valuable points than here....
Raymond Said:What is the career title for buying and selling failing businesses?We Answered:It could be called a 'broker', since in involves buying and selling things, or a 'venture capitalist' or 'equity investor'.Vera Said:Does buying a title make one an aristocrat ?We Answered:most of the aristocrasts come from well known historical families, you can buy something but that does not make youVeronica Said:Should I avoid buying Salvage Title Cars?We Answered:You should also consider that such a car may be expensive to insure. Check your insurance rates before buying one, for example here - carquotes.fateback.comElizabeth Said:When to get the title for buying...
Olga Said:what is title insurance, when buying a house?We Answered:Title ins. does a history search for liens and debts etc. on the property so you don't get stiffed. It,s well worth it because they guarantee pure title.Joshua Said:Can you buy title insurance AFTER closing?We Answered:maybe, but most transactions will condition it for the deal to happen....
Kim Said:Help with accounting?We Answered:1. a portion of prepaid insurance expired
Dr Insurance Expense
Cr Prepaid Insurance
Decrease in Net Income
2. someone used your services, but the fee has not yet been billed or collected
Dr Accounts Receivable
Cr Service Fees
Increase in Net Income
3. there is an amount owed for salaries to employees that has accrued
Dr Salaries Expense
Cr Salaries Payable
Decrease in Net Income
4. there was depreciation on furniture
Dr Depreciation Expense, Furniture
Cr Accumulated Depreciation
Decrease in Net Income
5. supplies were used
Dr Supplies Expense
Cr Supplies
Decrease in Net Income
6. fees were collected in advance but were now earnned
Dr Unearned Revenue
Cr Service Fees
Increase in Net IncomeHector Said:Isn't the Social Security...
Steve Said:NEED HELP PLEASE!!!!!!!!!!!! consumer math 10 POINTS?We Answered:I will try to answer some of these -- May use A, B, C , D for the answers.
BTW --- a quick 10 points would be appreciated.
28) D. TransMeridian
29) A. Declined
30) A. Revolving
31) A. ??? Personal Income
32) B. Bartering
33) not sure
34) ?? C. Gold Standard
35) A. $934.24
36) C. Fair Issac Co
37) not sure
38) C. Housing
39) B. Productivity
40) A. ?????
41) D....
Tara Said:California, salvage title, can I ride it that way?We Answered:It is NOT legal to ride like that. Salvage title (if indeed it was applied for) means the vehicle is NOT operable and has no current license sticker. You will have to go to the DMV and apply for a "Revived Salvage Title". this will include an inspection of the machine in order to qualify it for a plate and legal registration. see web site below.Sherri Said:Can an at-fault driver's insurance co. require me to register a total-loss car in another state before paying?We Answered:That makes absolutely no sense. ...
Alexander Said:Can anyone help with my stolen car situation?We Answered:For car insurance the easiest way to get a low quote is do a car policy comparison. If you choose the same coverage amounts, you can get an fast quote to compare against others. Use the same zipcode, car make and model, mileage and driving history to ensure you get accurate comparison. To get fast auto insurance quotes, go to http://www.autoadvicetips.com/Auto-Insur… and you can compare the major auto insurance companies....
Vera Said:Is it Legal? Or illegal for me to use the business name = California Home & Title Solutions ........?We Answered:uh...what part of NO don't you get?
More important; you do understand you have to be a LAWYER or have lawyers on site to do this kind of work?Victoria Said:i need help in filing a motion against the california insurance commissioner?We Answered:Hire a lawyer and file an administrative appeal at your nearest Superior Court building. Your hearing already took place and your license was suspended....
Kurt Said:Getting a one way trip permit in California to export to Canada?We Answered:If DMV needs your sig they will not accept without you there. Why not just make sure when you come down next year you plan it on a weekday morning, do make sure to go to DMV in the morning.Sandra Said:I would like to buy a motorhome to use when I travel around Canada. If I buy it in Port Huron, MI and...?We Answered:Contact the CAA. They may have an answer for you, from their Travel Department. That's what I'd do.Wilma Said:import car from BC, Canada...
Mario Said:Why do people claim the US has the best health care in the world?We Answered:Because we do have the best advanced health care in the world.
P.S. Can you say ration of health care?Edwin Said:Do you need special documents for your car when you cross the Canadian border?We Answered:I'd take all of those if I were you. You don't need a passport yet if you're driving and a Canadian or US citizen, but you will need government photo ID and a driver's licence is what most of us have already, and if you're driving you need the licence anyway. If...
Violet Said:HSBC Released the Lien but still wants payment?We Answered:Release of lien is just an agreement between a lender and a borrower under which the lender (lien holder) releases the mortgaged asset or property, although the debt obligation remains in force.
The debt is not your father's, you signed the paperwork on the loan, it is now, and has always been your responsibility to pay the loan.
Second, the debt collector has lied to you, there is nothing that can be done to remove the charge-off account from HSBC on your credit report, it will remain for the remainder of the...
Clifford Said:Does car title have to be in my name before I get insurance on it?We Answered:Technically yes, it needs to be transferred to you or your husbands name first...BUT most companies give you 30 days to get the required info (registration in your name. You could walk into a parking lot at get a VIN number off of any car and get insurance on it...it wont last long though once they find out that you're not the registered owner though.
You can get insurance on the car in your name (or your husbands) but you will need to transfer...
Brandy Said:how to transfer my son's car title that's in my name to him so he can be responsible to pay his car insurance?We Answered:GO TO DMV SIGN IT ON THE BACK PAY THE FEE WAIT 3-6 WEEKS,SAY IT IS A GIFT TO HIM SO HE WILL NOT PAY TAXES OR SELL IT TO HIM FOR 10-DOLLARS,WITH A BILL OF SALE.....THEY SEARCH THE TITLE THEN SEND HIMTHE NEW TITLE,TAKE THE APPLICATION TO THE INS.CO,TO SHOW OWNERSHIP GET INS........Cynthia Said:Car title, insurance, different names?We Answered:In the USA, despite what many people believe, anyone can insure any vehicle they like whether they...
Nora Said:Pls help me to find a cheap insurance in CAli?We Answered:make use of the SE like google or yahoo to get some ideas first if you want to get the massive information,however if you do not want to spend so much time,here http://www.insuranceidea.info/free-insurance.htm is a direct and good resource for your questions....
Lonnie Said:Why at 22 years old is a first time drivers insurance so dam high?We Answered:The sad fact is that a huge number of young drivers do not realise a car is a killing machine and they drive it as if they are playing a game. A car is a form of transport from one place to another, not a toy. One in 4 new drivers has a bad crash in their first year, and a good proportion of those are caused by idiot driving, at high speeds, overtaking or going round a bend too fast, to impress their mates....
Jessie Said:what happens if you fail to get the car at the impound after the 15 days it gives you.....?We Answered:1) The tow company files a lien against the car's title. If the owner or lender doesn't pick it up in the allotted time, the tow company/impound yard now owns the car.
2) No. It is unlikely that the former owner can be charged anything. However, every state/city have their own laws that may impose a fine. So, research the codes they provided (625 ILCS and 9-92 of the Chicago Municipal code).
3) No. When you lose the car, they try to...
Carl Said:The data below shows closing costs for a purchase of a $364,000 house requiring a 20% down payment:?We Answered:The loan fee is 3,640 (1 point is 1 percent of the loan amount). Total closing cost would be the sum of these numbers.
Oops - forgot the down payment. So d/p is 72,800, which makes the loan amount 291,200. So, loan fee is 2,912.
Total closing costs are the down payment, loan fee, and the other fees above or 77,143.Yvonne Said:Closing Costs For a Mortgage?We Answered:So, your asking a silly question and whats worse is you were the only...
Doris Said:Allstate Teen Car Insurance?We Answered:http://www.allstateteendriver.com/ will get you a link to the video. It's an unreleased single by Jason Wade of the band Lighthouse.Cindy Said:Whats the name of the song or artist in the Geico Insurance commercial when the caveman is in the airport???We Answered:The song is "Remind me" by Royksopp
Will remind, will remind, will remind me,
Will remind, will remind, will remind me,
Will remind, will remind, will remind me,
Will remind, will remind, will remind me.
It's only been a week,
The rush of being home in rapid fading.
Prevailing to recall
What I was missing,...
Brenda Said:Real Estate Listing False am I obligated to buy?We Answered:1. listings are not exact. Court would rule you had opportunity to inspect and verify property was as expected, or you accepted it as is.
2. You may have a beef with the inspector that he passed the property and the insurance company says it is not code.
3. Removal of the tank will cost more than the $28,000 down payment.
4. Have you sought other insurance companies for liability insurance.
If the property is not as specified in the contract you have to purchase you may have an issue...
Felicia Said:Title 18, USC 666 - need help deciphering this?We Answered:It would take me an hour to go through all that and put it is simpler words. Better to ask some specific question or only ask for 2 parts to be explained.Lillie Said:do yo think people should have to have insurance on pit bulls for their breed.?We Answered:I have worked in pit bull rescue for several years now and I haven't had to put a single dog down to human aggression. They are sweet, smart, loving animals that the media misrepresents as a monster. News casters will...
Patricia Said:Short Automotive Questions about car financing? Pleasseee help me?We Answered:1. c. Because a good credit history can generally help you negotiate for a lower finance rate
2. d. All of the above
3. a. Contact a credit-reporting agency
4. b. Where you live and your living arrangements
5. a. Taxable income
6. c. 15% to 20%
7. D.. ALL of the above
8. I have NO idea
9. b. You need to turn in your vehicle to the dealership after a certain length of time
10. a. True
11. true
12. True
13. d. All of the above
14. c. Making a larger down payment
15....
Greg Said:Home Re-finance question - Estimate of costs??We Answered:THE RIGHT ANSWER>
Get a second or #rd mortgage estimate.. Don’t be scare to play them against each other.
Frankly it sounds rather high.
They make there money on the percentage on the back end. Truly no Re-fi is a good idea unless you plan to keep your home for life.
Also; There are tones of online calculators that can help you figuring out the best possible scenario for you.Irma Said:The house we were told we were taking over title to is going into foreclosure, is there a way we...
Gina Said:Registering a car in Connecticut?We Answered:The reason your mother was able to insure a car registered to your brother before is that either you lied when asked, or the insurance agent failed to ask. Either way, it never should have happened. You cannot insure a vehicle that is not registered to you. Period. If you had had and accident or had to claim something under the previous policy, it would not have been covered.
If the vehicle is registered to you, the insurance goes under your name as well. Under that policy, you would...
Johnny Said:What do i need at the DMV to get a salvage title for my car?We Answered:Simply look up the info. you need on your states DMV site. Take your proof of insuranceRonald Said:How do you "undo" a Quit Claim Deed that was recorded but not notarized and without your knowledge?We Answered:Call my attorney, Michael Thomas, at 916-781-7750. He is a real estate attorney in California.Gail Said:Buying my first car in the USA what are the Requirements in california?We Answered:Wrong, Wrong, Wrong.
If you are purchasing a car from a private party the first thing you should do is...
Clara Said:17 years young and looking to get info on first time car decisions. Help please?We Answered:For the situation like yours,I would like to suggest you have a look here www.Autoinsurancepro.info ,you should find something useful.Roberto Said:How much hidden cost is there to flip a used car?We Answered:You would have to pay the sales tax and title the car in your name. You would not have to put tags on the car, unless you were planning on driving it on the road.
If you are not driving the car, adding it to your insurance is not required, but may...
Carole Said:Health care bill: Affordable health care?We Answered:repeal the damn bill!!!...
Carolyn Said:How much does title searches on a house cost?We Answered:Really depends on the Title Company what they charge. It can either be a flat fee or a percentage of the sales price. I would say get in touch with a closing agency for real estate transactions and they should be able to tell you roughly what they charge.
Also, there is a difference between a title search and title insurance. Title Insurance is to protect you against any flaws that could pop up on the title after the transaction has closed. It protects against things that could...
Claire Said:where can i purchase low cost realestate title insurance in michigan on or offline?We Answered:www.realestatesecret.comPhyllis Said:Regarding title insurance, what is a site inspection? How much does it typically cost?We Answered:You are referring to a survey for mortgage purposes. In many states a survey is not needed for refinancing if you can provide one completed within the last several years and there have been no changes. I don't know what state you live in but this would apply to most east coast states. I am a title insurance agent in 28 states so this answer is not...
Nicole Said:Is the cost of title insurance for a house determined by the selling price?We Answered:Title insurance differs in a number of ways from other insurance. Where most insurance provides coverage against a claim for specific kinds of loss for a specific period (think term life insurance or car insurance), title insurance is a one time cost and generally insures against losses caused by title problems that have occurred in the past! In fact, getting a title insurance policy often means that previous problems, title defects or liens must be fixed before a transaction takes place.
As for the cost of...
Vanessa Said:How much coverage do you get with salvalge title car? And how much does insurance run with salvage title?We Answered:Typically an insurance company wont insure a salvage title vehicle, and if they do they will only put liability on it, thats the most coverage you will be able to put on it..Tommy Said:is it true that if you buy a car that has a salvage title, insurance will not cover it?We Answered:This has been mentioned... I've never heard of a carrier asking to see the title prior to writing the policy. I guess some carriers might run the VIN...
Javier Said:Could any of you that support the healthcare bill explain this to me?We Answered:I'm pretty sure it says "Bend Over".Joel Said:Salvage Title? Salvage retention? What is up with this whole deal?We Answered:If your friend is "driving around with 93 tags" in 2007, it's no wonder she is getting tickets.
Just because a car was bought from a dealership doesn't mean it was never in an accident. Brand new cars are sometimes wrecked in transit to the dealer and issued a salvage title.
In fact, I know where a brand new Ford Mustang is sitting waiting for insurance to...
Carolyn Said:REALLLY NEED PROOFREAD> WILL GIVE BEST ANSWER>?We Answered:lots of repetition of phrases
i think when u say "dose" = you mean does
your conclusion seems too repetitive of ur thesis and body paragraphs, have a lil more imagination and creativity in your restatement of your conclusion... some typos like ? for an "
sentence structure is kind of run on at times, try to organize ur ideas in a more fluid, chronological and logical order...
Louise Said:What's needed to title and register my car in Delaware?We Answered:http://www.dmv.de.gov/forms/veh_serv_for… will give you what you need to know. You were supposed to do all this in the first 60 days, but if they don't ask...
And yes, you'll need an inspection and insurance that covers you in state, but it's all outlined on the web page.Cecil Said:How can i solve this Car Insurance situation?We Answered:You can compare how the insurance quotes would change, for example here - autoinsurance.noneto.comJamie Said:What happens if you finally go to register your car in a state you moved to over a year ago?We...
Henry Said:Winner UD Green Card?We Answered:100% scam.
While there is a DV lottery, that email did NOT come from the US government.
The US government uses "dot gov" email addresses NOT "dot usa".
The US government notifies winners via US mail by sending paperwork to their home address NOT via email.
The US government accepts payment in person at very specific locations NOT cash sent anonymously to someone in another country.
The next email is from another of the scammer's fake names and free email addresses and contains a list of made-up fees to be paid in cash, and only by Western Union or moneygram.
Western...
Melinda Said:Will my insurance be through the roof?We Answered:You should be able to find a quote much better than 650. You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than ½ after I did.
Go to: http://www.insureme.com/landing.aspx?Ref…
Take care,
CaseyLawrence Said:Should we buy or rent this upcoming year???We Answered:The answer to that will vary greatly based on where on the face of the planet you live. If you are in a declining market (like mine is going to be for a long time to come) you should...
Kimberly Said:how can i transfer a car title to my name eventhough the car is not paid off?We Answered:call your lease holder get thier written permissionByron Said:Lien on a house... help!?We Answered:Call the title insurance company, that is what they are there for. They will pay the lien if it is legit and get it removed if it is not....
Jonathan Said:Do I need Title Insurance on a new build?We Answered:YES!!!! You need it. NO. NO
The land, the land's past history, can you buy it free and clear, or is someone selling you something they first sold some one else????? This is a big investment, protect it. Boundaries, survey, etc.Brenda Said:why do I need title insurance?We Answered:Most buyers take out a mortgage when they purchase a home. But, before a lender will issue a mortgage, there will need to be evidence that the buyers will receive good title to the property. Also, the lender...
Daryl Said:Do I need the title to sell my car to the insurance company?We Answered:Yes, they will need the title. You can usually get a duplicate on the spot at a walk in DMV officeZachary Said:Do you need title insurance to sell real estate?We Answered:You need a real estate license.
What is Title Insurance? Title Insurance guarantees your right and “title” to real property.
No other property has a useful life that compares with the life of land. Owners of goods may change their location at will, but land is stationary. Because land is permanent, others may have...
Melvin Said:do i have to have registration?We Answered:No, you don't absolutely need it if you're going to have it off road. That means on private property, in your garage, not parked on a public street somewhere.
But, what if your garage catches on fire and destroys the car as a result? Or what if a tree branch falls on the car and damages it? It's really a good idea to keep insurance on a car to protect you from loss. Then of course there are those times you need to test drive...and then you will wish you...
Zachary Said:Okay, so I'm writing this XHTML code?We Answered:XHTML is pretty rigorous about whether or not its input is valid. It may misbehave if you give it invalid input. To check for this, use an XHTML validator; there's a free one available through the W3C's website: http://validator.w3.org/check
Your Javascript is also pretty bad. You can check this here: http://www.jslint.com/
Specifically, your if statement is way off. It should look like this:
if ( Age <= 5 ) {
Entitlement = "take a nap every day";
} else if ( Age <= 13 ) {
Entitlement = "be a...
Hilda Said:I am about to buy a condo and I'm being offered owner's enhanced title insurance, Do I need It?We Answered:no, you don't need it. Title insurance is required for your lender to insure against any outstanding liens or judgements that did not show up on the title, an owner's policy protects you. Your attorney should have done his homework by now, by getting a full abstract of title and done a bankruptcy and judgement search. If there were any issues with the title to your condo, they should have shown up by now and would have...
Kyle Said:Do I get compensated if the title company screwed up my Deed?We Answered:Sounds like you need to get a hold of a real estate attorney.Mathew Said:Am I entitled to half the insurance money if my name is on the registration?We Answered:You have bigger things to worry about than this check. If the car was repossessed, then this will ruin your credit because you co-signed for it.Carla Said:What are we entitled to if we just bought a house and the title company messed up on our property title?We Answered:First of all, don't trust that what the assessor says is...
Ricardo Said:I bought home last year. I wonder what expenses from my escrow closing statement are tax deductable?We Answered:All of those fees are added to the cost (cost basis) of the home. That means that when you sell, you will have less of a taxable profit - although none of it will probably be taxable. (Unless they change the tax laws) They are not deductible.
So save that stuff for the future.
However, you can write off the interest you paid and points (if it is not on a 1098 Form already) and the property taxes paid, as you already...
Rhonda Said:need car insurance but dont have title?We Answered:You will need to get the owner of the car to include you on his/her policy. You cannot obtain insurance on a vehicle you do not own.Dolores Said:Expired car insurance, change title question.?We Answered:Grandpa doesn't want the title in his name anymore. Your boyfriend needs to put the title in his name, and get his own insurance. No, changing ownership would not mean changing the tags.
Or, if he thinks he is being screwed over, he can give grandpa back his car, since it seems to be in grandpa's name anyway,...
Agnes Said:Two options on purchase and sale agreement with regards to abstract of title or title ins policy. Which one?We Answered:If it is written as you have stated chose neither. It does not make sense. The items are OK but they must be written properly.
The first means that they ( your lawyer?) will only check the deeds back for 40 years. They will check to see if any liens are on the property or rights of way that do not show up or if any taxes are owed, in short to see if you have clear title(ownership) of the property...
Randall Said:How long to you think the rich are going to float the bill before they leave the US with their money?We Answered:I'm not really a specialist in this area at all, but I get the impression a lot of the issues that we are all experiencing now are because of fraud in the American investment scene.
If I was the president of a traded company and found that my company had been losing out on because money intended for legitimate investment in companies like my own had been stolen, hidden and not invested, I'd be wary as well. Certainly, I'd...
Kim Said:How do I bring my car to the insurance company if I don't have insurance?We Answered:Tell them that you can't do that until a policy is issued and the vehicle is tagged. If they don't "get" it, find another agent or insurance company; you're dealing with an idiot.
The one time I was told that an inspection would be needed, the company (Geico) issued a policy on the contingency that I brought it to the local office for inspection within 30 days. If the State Farm agent you're dealing with can't do that, they obviously don't want or...
Jon Said:Does the title of a car have to be notarized first before you get insurance?We Answered:i have insurance but none of my titles have been notarizedGeraldine Said:what do i do first, title or insurance?We Answered:all you need is the registration in order to get insurance, you can get the title anytimeCharlene Said:What comes first....Title or Insurance?We Answered:You need to inform your insurance company that you are looking for another car, and what make and models you are thinking of. They will even give you advise on which models are cheaper to insure. Then they will be on "standby", and...
Bill Said:ok to register a motorcycle out-of-state?We Answered:No, they can't register it if Florida unless they own it in Florida. It is rare that a model could actually be registerable in one state, but not in another. What model is it? I believe Roketa makes dirt bikes (off-road), mopeds, and scooters, but there is only one model motorcycle that looks registerable as a road cycle.Myrtle Said:Question about a salvage vehicle title?We Answered:Sorry, but yes indeed "Title issued to insurance company" always means the title will now be salvage at best, and junk at worst. If it's...
Ivan Said:Does Florida Law require a title company to close escrow or a real estate lawyer??We Answered:In Florida it can be a title company or even a paralegal, it does not have to be an attorneyDanny Said:In Florida, do you need the title to sell your car to a used car company?We Answered:I don't know about florida, but in WA state we can hook into the WA state DMV online and at least print out proof of ownership. And to actually sell the vehicle, a legal "release of interest" must be notorized. I'm sure any used care dealership...
Rita Said:Newly licensed driver needs to transport car within Florida?We Answered:Within the same state is easy. You WILL have to have insurance before you can get tags of ANY kind, even temp tags. So put the policy in place the day before you reach Tampa - you can set it up in advance. Then you have the insurance card to get your temp tags, and you can drive it back to wherever you live in FL and get your real tags.
A local Tampa dealer, for a small fee, should help you with the tags....
Adam Said:Advice please, we have no experience?We Answered:Take your original purchase agreement/offer with all signatures to an attorney. That will establish yours and the sellers intent before everyone else screwed it up. Before you go, decide whether or not you want the land, want to forget the whole thing and get the money back that you paid to the bank for it or if you just want to take all of their butts to court for big $$$. Don't try to figure this one out yourselves - get an attorney.Gladys Said:Automobile insurance and are they playing games...
Beatrice Said:how to get a car title under your name?We Answered:1. Have your mother sign over the title to you...
2. Registration should take place immediately after you gain ownership of the car.
3. If you’ve just moved here, you must register your car within 10 days of becoming an official resident but you will be ticketed if you get stopped.
4. Get appropriate insurance.
5. Fees range from $46.15 to $141.30, depending on taxes, county fees, car weight, and whether it’s paid annually or biennially.
6. Now it’s time to go to your county tax collector’s office to register. You can call your local...
Frances Said:Not enough credit for a car loan through my bank?We Answered:All you can do is try. Capital One and Citifinancial auto offer 10% APR loans for cars and I'm sure that dealerships partner with other sources. Go look around, tell the salesman up front what you can put down (and you will probably have to come up with some kind of a down payment) and what you can afford monthly in payments. Then see what they can do....
Alicia Said:should i buy a car in florida that doesnt have the tags yet? what are the laws? rules?We Answered:Do NOT buy that car unless the seller is prepared to turn over the title!!!!!...
Diana Said:Title Insurance question?We Answered:i'm with you on this. Do your research, and hey just tell them, you want a different company or no deal. They want to sell it more than you want to buy it.Phillip Said:can a title insurance agent and loan officer be the same person in florida?We Answered:yes they can, but NOT in the same transactionJoy Said:Can a Registration Tag and Title be in someone else's name, and Insurance different?We Answered:yes it can only 2 states require the insurance and registration to be in the same name and Florida isn't one of them. I...
Leonard Said:where can you get a free property title search?We Answered:By going down to the courthouse yourself.
I DO NOT recommend that unless you work in the business...mainly, because you will have no idea of what you are looking for.
No one is going to do it for you for free.Isaac Said:Where can i get a free online title search for a property dallas tx.?We Answered:records are here
http://roamdallaspropertyrecords.com/ail…
what you have the skill to do with them is another thing alltogether. Title examiners and searchers pay big bucks for licensing, E & O insurance, etc.... they don't work for free.Anna Said:how do i...
Arnold Said:Who gets the money from the cancelation of the extended warranty, Me or my GAP insurance? ?We Answered:You should be able to cancel "extended warranty" at ANY time for ANY reason prior to it expiring and receive a prorated refund based on time or mileage. The refund will usually go towards the loan. And in most cases the GAP company wants to know how much the refund will be so they can provide a refund minus that amount. They don't want to pay more than they have to. You shouldnt be making money off of this. In...
Charlene Said:Need help finding general liability insurance?We Answered:I would speak with an independent agent that can get you a quote with more than one company. You can enter your city, state and zip code to find agent/s in your community at this website http://www.iiaba.net/agentlocator/findag… which will help you search for members of the Independent Insurance Agents of America.
I hope this information helps. Good LuckRuben Said:Does anybody know how much you have to pay monthly or yearly to get the general liability insurance?We Answered:Try this site
http://www.usainsurancequotes.net/
Here you can compare quotes from different companies...
Juanita Said:florida to georgia car registration question?We Answered:For auto insurance the quickest method to get a low quote is do a auto policy comparison. If you choose the same coverage levels, you can get an fast quote to compare against others. Use the same zipcode, auto make and model, mileage and driving history to ensure you get an apples to apples comparison. To get mulitple auto insurance quotes, go to http://www.autoadviceonline.com/Auto-Insurance-Quote.html and you can compare the major auto insurance companies.Stacy Said:How much trouble can I get in for driving a moped w/o a license?We Answered:not sure what the law is...
Elsie Said:Should I get title insurance for a condo I'm paying cash for?We Answered:Absolutely. I don't think you'll find anybody who will advise you against purchasing title insurance, whether you're paying cash or not. There could be liens on the property that you'll never be able to find on your own, and there may be liens that the sellers aren't even aware of. You could potentially lose your home just because you wanted to save a few thousand dollars. It's not worth the risk....
Oscar Said:real estate--- the insured?We Answered:The buyer purchases title insurance that covers issues that devalue the property. Perhaps a building that is later found to encroach on to the property or a defect in the deed.
The lender purchases insurance to guarantee that the title will cleanly pass from the seller to the buyer thus protecting his/her/its investment. Typically the lender does not care about issues that partially devalue the property since the buyer is on the hook for that to the lender for the full amount of the loan which (now) is seldom more then 80%..
.Violet Said:My...
Raymond Said:Whats the point of Home contents insurance if you have warranties on gadgets vice/versa?We Answered:A warranty usually only covers mechanical breakdown or defects.
Home contents insurance doesn't cover mechanical breakdown or defects, but will cover things like fire and theft - which are NOT covered under the warranty.Jerry Said:if your child loses something valuable, can you file a claim for it under home contents insurance?We Answered:IF ( and I say IF) it were covered, it would be subject to your deductible on your policy - which is probably higher than the value of the items lost. But,...
Agnes Said:How do I calculate the rebuilding cost as compared to market value when requesting home insurance quotes?We Answered:An agent should be able to calculate this for you. At my company we either go by the cost approach value on a recent property appraisal, or we use the Xact Value tool to find an appropriate coverage amount. This is the same program used by our adjusters in the case of a claim. Be prepared to answer a lot of questions about your home's construction, such as square footage, flooring materials, the number of bedrooms and bathrooms, etc,...
Juanita Said:Where can I find cheap home owner insurance?We Answered:If found that by having my auto insurer also insure my new home, I got a significant discount on both policies. My homeowner's insurance is $47 a month, and my auto insurance is $80 a month.Cody Said:Are there any companies that will give you a home owner's insurance if you have any medical problems?We Answered:First of all, they are not looking for Homeowners Insurance. That is insurance on the house to protect them against fire or other damage to the house. What they are looking for is mortgage life...
Scott Said:Is it normal for home owner's insurance to send the check to the deed holder and not the insurance holder?We Answered:If they bought your mortgage, then yes, this is standard. If you had a regular mortgage, then your regular bank would be doing the same thing.
YOU do not get the cash, unless your house is completely paid for, and owned by you. Which it isn't.
What they are doing, is standard, and legal. Your free advice, is going to come from your insurance adjuster. YOU are required to send progress reports to the mortgagee...
Jeremy Said:Does a standard home owners insurance policy cover air conditioning unit if it stops working?We Answered:Check your policy, but my feelings based on past experience are if you don't have a supp. for mechanicals, it won't be covered.Bessie Said:What is the process of getting home owners insurance?We Answered:Yep, call a handful of companies near the house.
They will go do a quick outside inspection and get back to you with a quote.
Good luck!Diane Said:Can someone sue my home owners insurance if I was in a car accident ?We Answered:Your homeowners insurance will deny this claim. This is an auto claim....
Johnny Said:Mortgage Insurance: Recommended?We Answered:First, title insurance is a one time (usually just a few hundred dollars) fee when you buy your house. Definitely get it, since it protects your investment, to make sure the person selling had the clear title (and the right to sell it).
Next - mortgage insurance - usually, there are a couple types, but they often benefit your mortgage holder -- NOT you. So, for example, if you put less than 20% down, your lender might require mortgage insurance to protect their loan.
Mortgage life insurance -- different than plain mortgage insurance -- will pay...
Michele Said:How much does it typically cost to close on a house when NO loan is involved?We Answered:Even if there is no loan involved in this real estate transaction it would be very prudent on your part to make sure all things are done accordingly to the laws and requirements of your state.
Therefore if you should open your real estate transaction with an escrow closing agent as well as a title policy to protect you against future possible claims against your property.
If you have already identified First American Title company as the title company you would want to use, call...
Dwayne Said:Do i need title insurance if buying a home with cash?We Answered:Yes you would want and need title insurance on any real estate purchase even if you are paying all cash for the property.
This title insurance would ensure that there are no liens on the property prior to you assuming ownership. Failure on your part to obtain title insurance you might have many unknown liens on the property that if you decided to refinance or sell the property would have to be paid prior to you selling or getting a refinance.
The title police guarantee that you are receiving...
Jeanne Said:What is included in a title search on a home? Does it include transfer of ownership and the dates it happenedWe Answered:Title search checks for things like back taxes and other Liens against the title. It will also show what is needed to clean up the problems and the seller has the choice of either paying off liens and mortgages etc or you can accept the title with these problems or you can reject and not close unless the seller clears up the title...
Names and dates of ownership tranfers in the chain of title you would have to have...
Ronnie Said:you an insurance agent and an estate lawyer? I doubt it, but........?We Answered:The insurance company doesn't care who owns the house. It still has to be insurable if you want to buy insurance.Ted Said:If you sell your home, who is supposed to notify the homeowner's insurance company that this has taken place?We Answered:well if you sold the house, you would want to contact them so that you would not be responsible for payment not being made. I would have thought the mortage compnay would have contacted them, but it probably just slipped through their system once they...
Janice Said:Homeowners insurance vs title insurance do i need both?We Answered:i was just looking at that.... heres what i found
QUESTION: Why is NOT having Owner's Title Insurance so risky? If the Buyer already has paid for Lender's Title Insurance as part of the deal, isn't more insurance simply redundant?
ANSWER: Sometimes, what seems logical can wind up leading you and your clients into "The Danger Zone".
Here's why:
1) Lender's Title Insurance protects the Lender not the Buyer -- as the insured policy holder. Without OWNER'S Title Insurance, Buyers are at risk, since they have no rights...
Leona Said:Should I purchase owner's title insurance if I buy a house?We Answered:Let's assume that the worst happens: You buy a house for $100,000 with an $80,000 mortgage. One day the door swings open and the person demands to know what you're doing in his house. Turns out your seller forged this guy's name on the documents and you don't have good title. You can sue the seller, but in the meantime the court will give the house back to the victim.
In that case your lender will file a claim under the Lender's Title policy, which...
Mabel Said:How can i tell when my house was built without a title search in australia?We Answered:Sewerage diagram indicates when sewer services were connected, you could also check the metre box
Besides that possibly check what sort of house you live in eg Californian Bungalow, federation, NSW cottage etcJames Said:How can I get a free title search on my house online?We Answered:first of all a title search on your own house?? are you worried you dont have a clean title? one would have been done on the home before you bought it(mortgage company would have made it mandatory) only reason...
Byron Said:Just bought 2nd used car (under my name) but boyfriend going to drive it most days. How auto insurance work?We Answered:Get quotes from different insurance companies with following options:
1. Both of you on one policy. Add him to your current policy and get a quote.
2. Both of you on different policies. You can still check your personal quote. I think AAA is expensive. (It doesn't matter you are a AAA member, the discount you get is not worth)
Make sure to keep your coverages same when checking with different companies.
I usually check with companies once in 6 months. I go...
Marc Said:how much does it cost to change the title on a car?We Answered:Look up motorvehicle department like DMV of the state you live in....
Clara Said:How much does title insurance for a house cost? Can it cost about 400 dollars?We Answered:The cost of the title insurance depends of the cost (value) of what's being insured. Rates are also determined by what area of the country.
When you get a mortgage, the mortgage title policy is for the amount of the loan. In addition, there is the policy that protects the new buyer which is in the amount of the offer.
In my area, Northern Michigan, a title insurance policy on a property valued at $44,000 will cost you $400. A mortgage...
Dianne Said:I have question about car insurance!!?We Answered:The retail on the vehicle you describe is about $50K, so something is wrong.
You cannot ask us how much the insurance will cost, because all companies will have a different price for you, some by a very wide margin. Get the vehicle identification number off of your vehicle, and get some price quotes. It's the only way to find an answer to your question.Eileen Said:What will happen to me, if i go to the court for unlicensed driving citation?We Answered:Relax, they aren't going to throw you in jail. When you go before...
Stella Said:Planning on moving out.. advice wanted for young female?We Answered:move out. your mother will alawys be there for you.If things dont work out I am sure she will let you move back in. your mother sounds very controlling, and only wants the best for you,but you cant let that stop you. move out and get your own place.it will be tough,but worth it....
Cassandra Said:If I refuse an insurance settlement, will there be any automatic reporting to the state about an accident?We Answered:Don't ignore the guys insurance company. They won't go away. They can't.
If you don't want to settle with them - call the adjuster. Tell them that you do not wish to pursue a claim for the damage to your vehicle. They may want to get something in writing to confirm this. Then they will go away.
Or
here's an option that works in some states -- not all.
If the car is a total loss - it is usually a total loss...
Brian Said:If I get into an accident (salvage / rebuilt title) how much of my cars worth will the insurance company pay?We Answered:If the vehicle is declared a 'total loss' you are entitled to market value of your car prior to the loss. So...how much is a car with a salvage title worth? Answer: way, WAY less than another used Eclipse with a clean title. After all, why did YOU buy it? Answer: because it was cheap. No one in their right mind will pay book value for a rebuilt automobile, no matter how much you have 'fixed' it up....
Sidney Said:How much are the fees of buying a used car?We Answered:If you are buying from a private party you are responsible for the smogging the car when due. When you register the vehicle you are going to pay a sales tax of 8.75% of the price of the car. If you are buying from a dealer you add $55 documentation fee, $28 Smog fee, registration around 1.5% of the price of the vehicle and 8.75 sales tax of the price of the vehicle. You can safety say around 11% of the price of the vehicle.Bobby Said:I'm selling my car...
Hector Said:How much does insurance, registration, sticker, etc cost?We Answered:In most states, the dealer is required to put a fresh inspection sticker on the car before delivering it to you. The rest of the costs will depend upon your state (sales tax, registration, title, etc.) and your age and driving record for the insurance. You'll need to check with your DMV and insurance company to get the exact numbers....
Mario Said:What to do - don't know how to go against an attorney...?We Answered:http://www.abanet.org/cpr/mrpc/rule_1_4.html
The website above is the ABA Model Rule of Professional Conduct on communication. Massachusetts has a similar rule, but the attorney can face discipline from the bar association if he fails to comply with either. The relevant rule here is that the attorney must comply with reasonable requests for information.
You might be able to get him to respond to you just by referencing malpractice. You can let him know that you believe he is in violation of the ABA Model Rules of Professional Conduct because he...
Bertha Said:Separating from husband, moving out of state with vehicle. How do I handle the title, insurance, etc?We Answered:You must make all switches within 30 days except the insurance. That has to be done quicker. Contact your insurance company for advice. "In both of our names". If the title reads Mary OR John, you may switch without Johns signature. If it says Mary AND John, you will need John's signatureKelly Said:how long does it take to get Title Insurance?We Answered:If you're asking how long it takes to get a title insurance commitment in place, it...
Kurt Said:How can I sell a car out of state if I lost the original title?We Answered:USE YOUR CURRENT REGISTRATION PAPER OR CARD AND CALL THE MOTOR VEHICLE ADMINISTRATION. TELL THEM THAT YOU NEED A DUPLICATE TITLE, DUE TO THE FACT YOU LOST THE FIRST ONE.Vera Said:Can i get insurance just to do a title transfer??We Answered:you do not need insurance to transfer a title. the person who gets the truck will have to get insurance before they drive it off of your property though.Raymond Said:Lost title to my motorcycle haven't had it tagged or carried insurance on it...
Pauline Said:Can you title/license a car in Illinois if you do not have a license?We Answered:There is a difference between ownership and operation. She can own the vehicle meaning she can register it, but she cannot drive it.Elizabeth Said:proof of insurance for kentucky title transfer?We Answered:Most states offer such a thing as a non highway title. It may be called something else in Kentucky. But you need no insurance and you don't get any plates. Then when you want it back on the road you can change it to a regular title and insure it and get plates. Call the...
Julio Said:Best Income Protection/Insurance while unable to work after scheduled surgery?We Answered:State temporary disability should cover you. If the condition has already been diagnosed, no private insurer will cover it now.
Private disability insurance is like life insurance: you can't wait till you need it to get it. Too late then.Ana Said:Why is an income protection insurance policy more expensive for women than for men?We Answered:It is more expensive because statistically women miss more work for extended injury and illness than men. It has nothing directly to do with pregnancy as suggested by another poster, but reproductive...
Deanna Said:What are the penalties for letting someone with a suspended driver licenses drive my car?We Answered:1. If the car is titled in your name, then they don't have coverage under their own policy. They can only insure a car they own. They can't insure your car, you can't insure my car. If YOU have a policy, and they are listed as a driver on your policy, the policy will pay. If you DON'T list them, it might pay, IF IF IF they are not a regular user of the car (more than once a...
Christopher Said:Farmers insurance agent?We Answered:The lie they tell you? "You can earn $100K your first year!!"
The truth: "You could lose $20K first year".
Their job duties include selling worthless policies to victims.Eddie Said:if you are an auto insurance agent please answer?We Answered:Whether the car is legally registered or titled really doesn't matter as far as being insured (as long as your ins co has all of the car info). Now there might be a problem if the car is a total loss, because in order to recieve any settlement from the insurance company your friend will nedd to...
Herman Said:Can you recommend a good house insurance company for Houston, Texas?We Answered:Home insurance is actually very flexible. I don't understand all the fine print of my homeowners policy, but my home insurance agent is always a phone call away. Try calling your agent or a homeowners agent in your town. http://www.americaschoicetoday.com/Home-Insurance.html They will be able to help you.Marjorie Said:What happens if a tree on my property falls and damages my neighbor's house? Will an insurance company pay?We Answered:i would check your policy to be sureNathan Said:What house insurance company are you with?We Answered:Allstate for a long time. No problems...
Monica Said:Can an insurance company brand a title to get it for cheaper?We Answered:Insurance companies aren't buying vehicles to sell at auction. If it's tagged as salvage that means they paid out a total loss claim on the vehicle.Sharon Said:What is the best approach when dealing with an insurance company regarding incorrect title issues?We Answered:It's not clear that you have anybody to sue, although laws may have been broken and the state attorney general can act in that case.
I have seen conflicting information as to whether Carfax offers a "guarantee" with its report.
The person who sold you the car...
Angela Said:Some guy just knocked on my door and said my house was foreclosed. What the heck is this?We Answered:sounds like it
maybe the investor was looking for a quick buck
i would call your title company ASAP
then i wpiuld call the police .. if he didn't leave a statement or if your fiance didn't sign anythingAlfredo Said:Holy smokes, even if they are gone what Libs pass now may destroy us anyway?We Answered:Wall Street Reform actually means Government Control of Wall Street.
Everything this obama administration does is meant to deceive.
Financial Reform means Government control and higher cost to the consumer.
Oil...
Bonnie Said:need doctor?We Answered:If you are looking for a gynecologist only, try Dr. Robin Brown, she is fantastic. She has her own office, but she doesn't do OB anymore.
If you need OB then try Linn County OB-GYN....
Gladys Said:What is the Cheapest Safe Way to Transfer a Bare Land from Father to Son?We Answered:I would suggest filing a grant deed. The difference between that and a quit claim is that you can completely change who is on title at that point. Using a quit claim you add someone to title. If all you want is to be added then file a quit claim. If you want to be on title by yourself have your dad sign a grant deed. It costs about $20 to have it notarized and filed with the county recorder's office....
Francisco Said:Does everyone appearing on the vehicle title need to be insured?We Answered:We buy insurance for cars, not for people. (only) The car must be insured.. period. The insurance will simply note that the car is co-owned...
Juan Said:While I was parked on the street my car was struck by a taxi. The driver is uninsured by the company.?We Answered:First, call the taxi company and threaten them with a lawsuit unless they pay your expenses. Be reasonable and friendly at first. If they do not accomodate you, then take them to your local small claims court. Remember that you must sue the company where they are located, not in the city you live in. Unless it is the same thing.Kelly Said:Refinance tax Deductibility Question- FHA refinance, Primary Residence?We Answered:You cannot deduct the processing...
Warren Said:Is it worth buying a car with a salvage title?We Answered:In states that have salvage titles, the vehicle will always have a salvage title unless it is moved and registered in another state that does not have salvage titles.
Cars with salvage titles generally are considered worth less than normal when selling or trading. However, depending on what the original damages were, and how well the repairs were done, there is no reason a repaired salvage car can't be just as good as a normal car. However, if you plan to buy one, you should get a mechanic to inspect...
Toni Said:What medical insurance position could this be?We Answered:
Pretty interesting question.Suggest you visit here http://www.InsuranceFreeTip.info/insurance-for-free.htm for useful tips.
Bobby Said:POLL: Whats the funniest job title you've ever heard?We Answered:During last summer's Olympics, I heard an announcer refer to a young, up-and-coming swimmer as "the world's greatest breaststroker."
Nice work if you can get it.Brandon Said:Anyone work for/heard of/or know someone who works at Sedgwick CMS?We Answered:I was invited also. I go next Tuesday in Atlanta. Let me know if you find out anything and I will do the same. ghari2k@gmail.com...
Evelyn Said:please help me with this thanks in advance.......?We Answered:a
b
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Wrong forum btwHeather Said:Is it Legal? Or illegal for me to use the business name = California Home & Title Solutions ........?We Answered:You sound like you are headed to prison to me.
No "title" is a specific thing, like the word bank, or attorney, or pediatrician. Unless you legally are that you can not use that word.
You also can not be a "go between" with the attorney. You can not offer any legal services unless you are a recognized attorney.
Run this by your attorney, he will tell...
Patsy Said:Teen insurance and info two questions in one?We Answered:you can buy your own insurance however its gonna be costly. What you can do is have it under your mom or dad's name. It will be a whole lot cheaperJoseph Said:Selling a car in KS that is registered in NY. Can I get temp tags?We Answered:To do so, you are likely going to need to obtain and present a limited power of attorney to execute the application on the buyer's behalf. The power of attorney should specify the purpose (to obtain temporary vehicle registration on the buyer's behalf) a...
Jackie Said:What to bring when getting Louisville Kentucky license plate sticker renewal?We Answered:You absolutely need to bring proof of insurance if going in person - I renewed mine last month. The insurance card I had in my wallet was less than one week out of date - they had me call my insurance company and fax them a new one. I'm sure this isn't an unusual occurrence, as they had the fax number (to send proof of insurance to) laminated to the desk. Bring the old card registration too, but proof of insurance is a must.
Unless you...
Sandra Said:Motorcycle title and insurance.?We Answered:I OWN a motorcycle. The title is in MY name. I have it licensed. I have it insured.
I have NEVER taken a motorcycle driving test in my life! I have NEVER had a motorcycle license!
If you're buying it off of a dealership, just ask them to deliver it to your place of residence. It may cost a little... but then it's in your possession!
I'm not saying this is right, or even legal... but I still drive my bike when I want to.Colleen Said:which number offends you the most about Sarah Palin?We Answered:Well...
Mae Said:bought some land in a development and found out from neighbor that it might be flood zone!?We Answered:Double check what your neighbor told you. Your county (or city) tax assessor should have that information. If it is indeed in a flood zone, you should be able to go back at the realtor and title company. By law, they have to tell you about things like that. Lydia Said:Acquisition Costs of Realty-ACCOUNTING QUESTION?We Answered:The debit is on the left, the credit is on the right, that much I know for sure. But the rest of the...
Carol Said:What Insurance Company Will Cover a Rebuilt Title In NC?We Answered:Few if any insurance companies will cover a vehicle with a salvage or rebuild title. The few that will cover you won't give you anything beyond liability.Theodore Said:How do mobile home title bonds work?We Answered:If you buy a bond through a bonding company and there is a lien they lose the bond money, you keep the trailer. You're paying them to assume that risk. After 1-3 years (depending on which state) if there are no claims the bond is released and you get a clear original...
Misty Said:Why do we need title insurance when the constitution has the Contract Clause?We Answered:Look at it this way,
Better to be safe, than sorry.Floyd Said:Do I need to get title insurance on a piece of land I just purchased?We Answered:Do you need to? No. The question should either do I have or do I want to? If you financing this proeprty the lender may require you to do so to protect their interest.(of course you'll need carry PMI if your down payment is less then 20%) If you bought out right in cash then it is 100% up to you....
Kimberly Said:Can I use this info when asking for a raise?We Answered:No. You absolutely should not use the information you had access to while working in the HR department; you could be disciplined for it. That information should be treated as highly confidential, even though you boss has access to it. I suspect it would harm your request for a raise as your boss may see your use of the information as a flaw in your ethics - we all know how important confidentiality is for people in administrative positions.
Instead, focus on your attributes. Illustrate what you do and...
Natalie Said:Has anyone ever had this survey/easement problem? Tell me details.?We Answered:Apparently the easement, on someone else's property, serves your, and your neighbors, property. And you want to have the paved road (easement) moved to adhere to the specifics of the recorded easement? I would understand your issue if you owned the property where the easement exists but you don't. But if you want to make sure the road lies where it is was originally supposed to lie, no one is going to pay for your personal legal battle of no merit. Your mortgage will not...
Leo Said:I was in an accident and the insurance company decided to total out my vehicle.?We Answered:She cannot take posession of the vehicle unless you defaulted on the loan. And maybe not even then. A cosigner is simply a person who agrees to be responsible for the payment if you defalult. Once the car was totaled it became property of the insurance company and you should have been offered the oppertunity to buy it back. I would contact your insurance company, the police, and the DMV in that order. If you don't get satisfaction from...
Milton Said:can i still get insurance + registration without the title to a car?We Answered:autoinsurance.noneto.com - try this one. I have their car insurance and, as I know, they can provide such a service....
Chester Said:If I had a lawyer search my deed for anything against it and he did not find it...?We Answered:No, he is not responsible. Title insurnace is used for this, otherwise it is your problem.
He is not responsible for anything that did not show up, the entire reason title insurance exists.
Chester Said:Title Insurance / Owner's Policy?We Answered:Owners policy is normally purchased at the purchase of the home to protect the owner (in this it sounds like you) from issues that "cloud" a mortgage, like a lien, judgment or mortgage from previous owners or other parties. An owners policy...
Carole Said:How long would it take to get approved for a mortgage?We Answered:Try to get wording added to the paper work stating it is contingent upon an acceptable home inspection and also contingent upon you being able to obtain reasonable fiancing. And make sure it is contingent upon a clear title.
Title insurance can be put together within a week easily.
The worse parts in short sales are getting the sellers lender to approve the short sale. If they have it approved, then all you need is your financing ready to go and closing by the 15th of january should be...
Francisco Said:Were you ever unable to get back a retainer from a lawyer who did no work?We Answered:Lawyers never return retainers. Your friend will not be able to recover that money....
Jason Said:i need someone to help me put this in my "own words" (:?We Answered:There is a bit in an episode of "Arrested Development" where Ma-be asks her uncle for help writing an essay on "The Old Man and The Sea." He says he is glad to help. She hands him the book and says, "Well then read this, write the essay and remember it has to be in MY OWN WORDS and let's put a four-syllable limit on it."
The point here is that YOU read this material and then write what you learned is such a way that there...
Tyler Said:Should I hire a real estate attorney at this point in my home buying process?We Answered:Most real estate are handle according to the state laws of the state in which you reside. Title and escrow closer make sure these laws are followed to the letter of the law.
Hiring a real estate attorney could be beneficial if there was an unusual transaction, but most real estate transactions are mundane and cookie cutters.
Then if you are securing a mortgage loan another professional is there to insure that things go right during the transaction. These professionals are required by federal and state...
Alberto Said:Title Insurance (Owner's) vs (Lender's)?We Answered:The lender's insurance is mandatory. You HAVE to get it as a condition of the loan. It ONLY covers the lender's interest, however.
In the early days of a loan you might be able to get away without owner's coverage but if you are putting down a large down-payment you'll definitely want owner's coverage. And if a cloud appears on the title many years down the road -- and it DOES occasionally happen -- you'll wish you had owner's coverage as well.
From the prices you quoted the owner's coverage should...
Esther Said:Is there some kind of list that insurance companies use (for home insurance).....?We Answered:It is a shame, but it seems to be a case of the "good" owners having to pay because of the "bad" owners. I can understand the insurance company's refusal to consider AKC titles because it's not the AKC that will have to pay a claim if a situation arises...William Said:Pre-forecloseure list...Where can you get them?We Answered:The best places to find foreclosure lists are banks or credit unions. There are places that will sell you a list of homes but in my experience this...
Allison Said:Will you tell me the truth?This is about vehicle registration in louisiana?We Answered:I would say is being a heffer. i purchased a s-10 from dallas and all i had was a bill of sale and title.no problem. some people at the dmv need to be at home for good.Dolores Said:Louisiana - Fines concerning car insurance?We Answered:You can compare how the insurance quotes would change, for example here - autoinsurance.maclenet.comEnrique Said:Help from insurance experts?We Answered:If you have established residence in LA, then you would need to change the title and registration of your truck to LA. The fact that you...
Ramona Said:How can I buy my car back from the insurance?We Answered:If you don't total your car, you don't HAVE to buy it back - the insurance company pays for the repair. They only take the whole car, when it's totalled. And when it IS totalled, you tell them, you want salvage value for it. Then they'll subtract "salvage value" from the check they give you, you turn the title over to them, and a salvage title gets issued to you. Now you own the car, with a salvage title. ...
Gertrude Said:Are my closing costs too high in California with Countrywide and LSI Division Escrow?We Answered:Everything seems in line here, your processing with Countrywide seems a little high, I have a loan for them in a minute but I thought their processing was less then 950. (I also thounght they had a other fees so they may be lumping them in the 950 so it may be good to go.)
You listed two closing fees with LSI. There should only be one and It should only be around $450-595. My experiance with LSI is that the are about 10%...
Jeffery Said:What is a good creative title for my business powerpoint?We Answered:The Future Is Now
The Sky Is The Limit
Business In A Nutshell
Fast Forward - The Advance Of Business
The Essence Of Business...
Maureen Said:How can I get replacement front license plate tag?We Answered:You're doing the right thing. Often dealerships are slow about doing their paperwork, and submitting it to the state so give it a week or two and try again. Also you motor vehicle department may be working at a snails pace too (it is a government agency you know).
If you are cited for not having a front plate in the interim pay the fine, then file a small claims action against the dealership for their negligence in not switching both plates as required by Maryland law....
Andy Said:is it mandatory to register my car to a new state or is it fine to just renew it to my former state?We Answered:Legally you must register it.
read this:
New to Maryland Titling and Registering Your Vehicle Information
As a new resident of Maryland you must register your vehicle within 60 days of moving to Maryland. If you delay beyond 60 days, you will not be eligible for a tax credit for any titling tax paid in another state, and you may be subject to a citation for an out of state registration.
Please Note: If an owner of a...
Clayton Said:Complicated title transfer and registration problem!?We Answered:Both cars must now be registered in Maryland if that is the legal residence of the owner (your brother). In Wisconsin, the owner keeps the title and so the dealer should not still have the title ? Have your brother sign a Power of attorney for you and do the transfers on his behalf but you are going to need both titles...
Laura Said:bought used car in Massachusetts can i drive it?We Answered:you heard wrong.
You need to insure the car to register it, and you need to register it to drive it. There is no trial period - if you get caught driving an unregistered and uninsured car, the police can arrest you, and if you get into an accident, you can get sued.
EDIT - you need to inform your insurance company of the change before the new car is covered, but you still need to register it. That's the law - if you have any doubts, ask a cop,...
Natalie Said:I took over car payments for my aunt so the title is still in her name.?We Answered:You cannot register the car in your name until it is your car. In most states, anyone can insure any vehicle the desire to insure. Ownership is not required to insure a car. Any insurance you do place on the car, will have to show the loan company as the lienholder though. For your Aunts sake, It would be better for you to legally buy the car and get your own loan.Ernest Said:Just moved to MD. Why must I...
Gregory Said:Where can I get car insurance on saturday in minnesota?We Answered:Geico or another online insurance company will sell it to you and let you print out the info. Probably even tonight. By the way, you will most likely lose your license now for ninety days or so. In Indiana you would anyway for not having insurance when you were ticketed. Good luck.Frank Said:Sold a car they didn't switch title ?We Answered:Not a problem. Just call the department of motor vehicles office that you notified when you sold the car, and get that copy...
Russell Said:I got a judgment lien from a credit card company?We Answered:SOL - Statute of Limitations.
Items that are older than 7.5 years drop off the credit reports.
Let this be - do not make contact of any kind with old creditors - you could re-set the SOL.
If any collector calls you tell them this debt is not yours.
Mortgage lenders will see what you see - your credit reports.
Make sure you saw all 3.
Get them for free at
Annual Credit Report.com
Never fall for tv ads with blue people and silly songs that will charge you for them.
Do you have any current credit...
Dora Said:how to geta builder to change from a special warranty deed to a general warranty deed?We Answered:Sounds as if you may be confusing a number of different issues.
To oversimplify, the general warranty deed warrants marketable title stretching back into history. A special warranty deed only warrants good title from the person you're buying it from. It is more limited, but it's perfectly OK. It's very, very unlikely that the person (often, it's a lender following a foreclosure) will (or even has the power to) convert the deed to a general warranty deed.
Just get good buyer's title insurance and you...
Agnes Said:Help me sort these Account Titles.?We Answered:Cash - Asset
Accounts Receivable - Asset
Office Supplies - Asset
Office Equipment - Asset
Delivery Equipment - Asset
Prepaid Rent - Asset
Prepaid Insurance - Asset
Truck Drivers' Wages - Expenses, under Capital
Gas, Oil and Repairs - Expenses, under Capital
Estimated Uncollectible Accounts - Contra-Asset, under Assets (deducted from Accounts Receivable)
Accumulated Depreciation, Office Equipment - Contra-Asset, under Assets (deducted from Office Equipment)
Accumulated Depreciation, Delivery Equipment - Contra-Asset, under Assets (deducted from Delivery Equipment)
Accounts Payable - Liabilities
Notes Payable - Liabilities
Salaries & Wages Payable - Liabilities
Unearned Trucking Fees - Liabilities
M. Monroe Capital - Capital
M. Monroe Personal - (Not included, not part of...
Guy Said:Should Title Insurance info be included on the GFE from the mortgage lender?We Answered:The GFE should contain the insurance even tho it is not strictly a "lender" fee.
The discount you seek is called the "reissue" rate. SOme are 2 years; some 5 years. SOme make you bring in your original copy of the title insurance. Did you save it? /Bernard Said:If I am in a property partnership, and my name is NOT on title, could my life insurance pay off the mortgage?We Answered:sounds like there are 4 owners on the property. why are you two paying...
Eric Said:Does the bank do a title search on the buyer or the seller when applying for a home mortgage?We Answered:It is done on the property, paid for bu buyer.Ivan Said:Previous home owner took out 2nd mortgage on home after title search ended and before Closing?We Answered:call your title insurance company. This is why you have insurance.Manuel Said:closing 2nd mortgage, how long will it take for title search to clear?We Answered:1 to 5 days depending on the area in which you live. Don't forget to compare title company costs if you still have time.Raul Said:if you refinance your mortgage...
Victoria Said:Analyse and evaluate the role of Trans-national Corporations in the development of Third World countries?We Answered:United Fruit Company
Their involvement in Guatemala and shady business practices led the way for US involvement in Guatemala under the guise of eliminating communism. US activity led to the 30 years war in Guatemala and the genocide of hundreds of thousands indigenous people.
http://www.globalexchange.org/countries/…Martin Said:How to approach national firms to sell them advertisingWe Answered:Contact the client direct ..marketing department. Ask who is handling advertising and who is the correct agency for the college market. Contact both, cc both of them. ...
Marsha Said:i need help on a research paper !!!!?We Answered:Oh this is an easy one. Take the most expensive car your family owns for trade in. Look up the kelly blue book price online. This can be a jumping off point. Then go to somewhere like vehix.cm and look for the kind of car you like in a reasonable price range (like $169 a month) then go to like progressive and get a free rate quote. The hardest part is making the numbers fit, but I guess the point of the paper is to simulate real life.Dwayne Said:Do you think...
Beth Said:When President Elect Obama promised to go "Line by Line" to eliminate earmarks, what did he mean?We Answered:He meant that he had no intention of doing so but is so arrogant that he does not care about lying and doublespeak....
Harold Said:can my boss ask me for my mothers maiden name and the last 5 years of addresses?We Answered:This is standard thing these days and its just as much to protect you as them, from fraud, immigration regulations, a lot of things. your employer needs to know you are who you say you are, you live where you say you live and such like. Its very easy to get a job under someone elses name without this information, it can be checked against credit files, especially if you work in a job concerning money. also for criminal records, driving bans....
Ralph Said:What do I have to do to get tags on a salvage vehicle?We Answered:You won't have any problems...DMV has a form for it...the new title will also be Salvage, thoughNellie Said:What do i have to do to register a vehicle with a salvage title?We Answered:you cannot change a salvage title----it is a car that has been deemed "irregular"------
most of the time a salvage title simply implies that a vehicle deemed a "total" by some insurance company was repaired and sold again.....
there should be no problem registering the car or getting insurance----just it's resale value is zilch-----Teresa Said:How to register...
Travis Said:What do I do about my old car?We Answered:first,you should collect some resource by searching the relevant keyword in search engine,if you got good luck there ,then your problem solved.however,if you are not able to find the ideal answer by doing that,here http://www.CarInsuranceTip.info/free-car… is the resource i recommend.Carole Said:is it legal for car dealer to require a copy of driver's license when buying a car in Nebraska?We Answered:You shouldn't have your SS# on your license but its a easy fix. Make a copy and mark it out.
Its not unreasonable for them to ask for a drivers license...
Bertha Said:Registering Nevada motorcycle in California?We Answered:bring your title and the bill of sale. fill out a reg343 (application for title or registration). bring the bike in for a vin verification. expect to pay some feesHelen Said:Nevada car registration ?We Answered:You can get a three day temporary registration in order to take care of everything. This can be extended, if you really need to.Angela Said:Car insurance help! advice needed.?We Answered:Choose,
Great question.
There is a page that covers the best insurance companies in the USA and gives free competitive quotes found here:
http://thetoplistonline.com/top-rated-auto-insurance-companies-in-united-states/
You can simply click the link "competing car insurance rates" at...
Tyler Said:Bought a car and dmv stated need new title?We Answered:Since you didn't check for correctness at the time, or take care of things in a timely manner, about your only option now if you really can't find the person is to go the expensive and time consuming route of the bonded title.Angela Said:price of title insurance in NEW york?We Answered:Your best bet is to go and check it out yourself based on the cost of your purchase. NY State regulates the price a title insurance company can charge.
http://www.firstamny.com/prices.aspx
Best of luckMartha Said:Is there a school in New York that teaches...
Russell Said:Insurance surcharging for a non-points ticket ?We Answered:It is a traffic violation. The fact the DMV didn't issue points means nothing, as insurance points and driver licence points records are related, but not the same. Your insurance views it as behaviour not conducive to safe operation of a vehicle, and they are providing financial responsibility for both vehicle and driver, so they give you an insurance point.
Sorry, I know it isn't what you want to hear, but you didn't get a parking ticket, and you know it. A parking ticket wouldn't be on your driving record.Jeremy...
Wade Said:Ticket For Unclear License Plates?We Answered:Cops write tickets like this because they know it is cheaper to pay the fine than to fight it....The cost of income lost from taking off work alone is far greater.....Pay the $50 and forget it.Vernon Said:Ticket For Unclear License Plates?We Answered:Princess Now A Queen is exactly right. You cannot paint or cover over any part of the License Plate. In some States they even make you remove the Dealers License Plate Braket if it covers parts of the Plate.Peggy Said:Ticket For Unclear License Plates?We Answered:Just pay the ticket, you ran into...
Gail Said:I recently moved to MD and my car is registered to my mom in NJ for insurance reasons. How do I trade in/sell?We Answered:When you are ready to trade it in, have mommy come & sign the title over to the dealer!!!...
Terry Said:Does transferring a title to my husband's name involve getting a new license plate?We Answered:Title and registration are two different things. I'm unfamiliar with the specifics of North Carolina but in most states the registration and title do not need to be in the same name. For example, in most states a minor can't own a car so a parent is the owner although the car is registered to the child. Similarly if you lease a car it is registered to you but the lease company is on the title. You can change the...
Ricky Said:How can I buy a rental property in another state!?We Answered:To buy a property in another area, you should consider finding your Realtor first. If you don't know one licensed in the areas where you are looking, I can refer you to a top-producing, experienced Realtor. Remember, it typically does not cost you anything to work with a Realtor as your buyer's agent. Then, once you have a Realtor, that agent can refer you to the other parties you will need to work with (attorney, home inspector, title company, etc.).
Your fears of working with a property...
Mattie Said:Question about Registration and Insurance in NY?We Answered:autoinsurance.maclenet.com - try this one. I have their car insurance and, as I know, they can provide such a service.Luis Said:No license/expired registration/insurance in full effect and new title...? In NY.?We Answered:As long as you have the vehicle insured, you MUST notify the insurance company of your new address. They may honor your old address anyway because there are special rules for full time college students attending school away from home. You must also notify them of anyone who lives in your household who holds a valid drivers license. ...
Peter Said:In NYS, is it possible to have two people on the regestration/title if one is on the loan?We Answered:Even if it is possible, DO NOT do what you are thinking about, You would be very foolish to do this and your friend would be even more foolish to do it.Grace Said:can you sign off a title if it has a lien on it?We Answered:No you cant change ownership of a car until the lien is paid off.................mdVirgil Said:My car is a total loss from an accident. I can drive it & get it fixed myself the ins. says...
Laura Said:What is the best way to insure a car with a salvage title?We Answered:I would believe that most states are the same but don't know, i'm speaking from california. There is nothing wrong with a salvaged tiltle it's intention is to put the buyer on notice that it has had significant damage-totaled. Now what this means is that a car with a salvaged title will generally not be as valuable, buyers would prefer a car with a clear title. My insurance company, the largest in the state and the u.s. has no problem insuring salvaged vehicles but keep in...
Kirk Said:Homeowners title insurance?We Answered:If you got a good deal on the house, it would be worth it to have the insurance. You never know how good a job was done on checking out a title, even if you did it yourself. Insurance is one of those things you hate to pay for when you don't need it but wish you had if you something happens and you didn't get it..Vicki Said:Car title in ohio with out license?We Answered:Both places ask for a driver license for identification when you go there- Title Office and the License Bureau.
All you can...
Bill Said:car insurance coverage?We Answered:What?Christian Said:my mother's car is in both our names, i'm making payments,she has insurance in her name. am i liable?We Answered:first of all, if your name is on the title, BOTH of u should be on the insurance as named insureds. if you're not driving the car, u dont have to be listed as a driver, but since you are part owner of the car, you DO have an insurable interest in the car. in other words, if the car is totalled, right now the check will only go to your mom & the...
Nancy Said:I Lost My Motorcycle Keys?We Answered:Look in your paperwork that came with the bike. There are 2 key codes. One is in the owners manual, and one is on the walk around papers the dealership gives you at the introduction to the bike.
(I used to work at a Kawi dealer)...
Bob Said:insurance wreck cars for sale w/salvage title?We Answered:KLODE.COM or .org but you must have a dealers license to buy from themAlvin Said:Title insurance binder estimate is 2,400 from GFE. Is it too much?We Answered:What is the sales price?
Edit: For a 300K purchase $2,400 is too high. You need to contact a new lender who will help you find a title company with lower fees.Angela Said:I financed and bought a car online. The title was sent to me with no mention of leinholder. Legally do I repayWe Answered:Did you sign loan papers? The loan papers are what obligates you...
Julio Said:Will title search show current lien amounts?We Answered:No. All payoffs and lien satisfactions have to be ordered individually from the source with a specific payoff date.
A lien or judgment could have originally been for $5,000.00 (the recorded amount) but with post-judgment interest added (which will be necessary to satisfy the lien) it could easily be $7,500.00. A mortgage could be recorded for $100,000.00, but the seller may only owe $45,000.00. There is also the possibility of unrecorded private mortgages.
******************
If you want a total current amount to pay off your mortgage, call up your lender...
Naomi Said:Can I find out who owns a car by the VIN/ Can I file for a lost title if their is no insurance?We Answered:You need to contact the DMV and ask. The vehicle does not automatically become property of the landowner. Washington State is one of the most strict when trying to obtain a title for an abandoned vehicle. You also may wish to try contacting the company that was shown as lien-holder.Charlene Said:Trying to transfer an Oregon salvage car title to Michigan. Please help.?We Answered:After a vehicle titled with a salvage title has been repaired or rebuilt, it...
Victoria Said:I need to get my car title notarized, but they moved to texas?We Answered:If you trust the seller, you could mail it to him/her, and it could be notarized in Texas. But if the seller isn't above-board, you could find yourself without even the unnotarized title.Felix Said:PA resident buying in CA and staying in CA for a year?We Answered:check this page: http://www.dmv.ca.gov/newtoca/newtoca.ht…
under vehicle registration...
Leah Said:Do these closing costs seem high?We Answered:yes. not know anything about your credit, etc, I would say that 5.5% today for a 30 year fixed is to high.
lines 901, 1001, 1002 and 1004 are correct.
lines 1201, 1202 and 1203 are correct since they are based on a percentage of the sales price and are set by the government.
1108 appears to be correct.
lines 808, 810, 811, 1105 are junk fees and are profits. These are VERY HIGH, especially if he is getting a break. Plus, at 5.5%, the lender is already making a killing....
Elsie Said:Selling a Car in PA, Am I responsible once I sign over the title?We Answered:Yes & maybe.
Fill out a release of liability form at your DMV for piece of mind.Jon Said:2 people listed on car title, but only has insurance?We Answered:autoinsurance.maclenet.com - try this one. I have their car insurance and, as I know, they can provide such a service.Ronnie Said:Do You Have to Change the Address on your car title when you move?We Answered:no you don't, when you update your license and registration it will automatically update it for your carBilly Said:If I have a valid PA...
Agnes Said:If I have my copy of the application for certificate of title (Pennsylvania)...?We Answered:yes you can, but why when you cant drive it. i'd wait until i get the title back, it dont take that long. good luck with your car.....or my old car!Courtney Said:Pennsylvania Motocycle Title Help?We Answered:take the title and/or bill of sale and proof of insurance and your motorcycle d/l to DMV to get reg'n and plate. money also.Elmer Said:How do I register and title my car if I live in Pennsylvania but was given a car from Illinois.?We Answered:Go to the DMV, they will have...
Allison Said:the part of the title insurance policy that sets forth all of the encumbrances and defects that will not be?We Answered:Schedule B, "Exceptions, encumbrances and requirements." Bear in mind that many of the exceptions will be insured because at closing, the title agent marks them "Omit."...
Amy Said:property title insurance?We Answered:A very good idea. If there's a problem with the title or a lien they didn't find, then you don't end up loosing the money you put down.Lance Said:does title insurance cover property line disputes (not clear title) when there is no survey available?We Answered:Laws may differ slightly between states so my official recommendation is to see a lawyer in your area. However, I can provide some general background information. Your title policy insures the boundaries as they exist on paper. I'm sure your title agent checked your legal description to ensure that on...
Dawn Said:What does a property title search involve and what type of information does it provide?We Answered:A full property title search involves going through all the recorded documents, court cases, etc. (basically anything of public record). The simplest report will involve a "chain of title" which is basically just a list of who owned the property, who they sold to, etc. A typical report should also consist of tax information, such as whether or not taxes were paid, how much, parcel ID number, that sort of thing. It should also include any easements, and conditions and restrictions (for example, no...
Brent Said:Purchasing Title Insurance for New Construction?We Answered:title insurance would be for full price of the property, Title company will not do otherwise.. They are insuring the property is free and clear, not the loan. You might be thinking property insurance, At one time you could insure just the mortgage amount, but today some insurers require you to be insured to a high percentage of the rebuild cost.Sylvia Said:Do I need to purchase title insurance on my condo?We Answered:Yes, all bank require title insurance.
Title insurance guards against claims to title (eg. other liens against a property, proper chain...
Patrick Said:Question on taking legal title to a property?We Answered:Yes you can simply record a deed. You will own the property subject to the liens on the property.
IMO.... I would still use a title company. You can simple make the title insurance subject to the mortgage currently on the property. At the vary least, have them do a search, you can usually get one for about $100 bucks. If you do want to spend the hundred, go down to the county and run her name for liens.
Without a full search its impossible to tell if additional...
Melinda Said:How do I transfer a title for a car purchase that is out of state and without one party present?We Answered:Actually, one person can own the car and another can register and insure it. Here's how it works: anyone can own a car, even if you don't have a license. But to register it, you will need at least a permit and the insurance would have to be under the name of the permit or license holder. Before I could get my own insurance, I bought my first car, put the title under my name, and had my mom...
Brian Said:Loan interest rates, insurance costs, titling tax, finance charges...HELP!?We Answered:Keep this in mind when buying insurance: Car insurance does NOT have to cost a arm and a leg. The reason why people pay more than they should is that they don't take a few minutes and simply ask more than one insurer about their rates. Getting more than one quote WILL save you money.
At the very least, if you get two quotes, you can either compare and take the cheaper one, or tell the other to match or beat it. Think about it. Not getting multiple quotes is just...
Mario Said:How do I handle the mortgage and title of our marital home after divorce?We Answered:You make sure the divorce decree MANDATES that whoever gets the home either refinances in their own name, or sells the home by a SPECIFIED date. You DO NOT sign over the deed until you are sitting at the table closing on the transaction that removes you form liability for the mortgage.
Note: Divorce court can order one party or the other to assume responsibility for a debt, but they CAN'T remove the other party from liability to the creditors for the debt. You...
Joanne Said:Can I get a car title switched to my name if its loan is in repayment?We Answered:I'm pretty sure since it's not paid off, you have to get your own loan to get the title transferred. It'd be a different story if it were paid off. But I don't think the car has to be in your name for you to get your own insurance for it. Try calling a local bank or insurance company and ask them, they'll probably be able to help you out.Christy Said:lien on a home! have title insurace... help!?We Answered:Well, it should pay off...
Amanda Said:Can you reuse title insurance with a refi..?We Answered:No....but most title insurance companies offer a "short term" discount rate if the old policy is less than 3-5 years old.
The idea is that they don't have to go back that far in time to do the title research and with the less time there is less exposure of title liability.Cody Said:What is a Short Sale and do I need title insurance if I use equity loan to buy.We Answered:What ever you do, don't skip the title insurance. There are too many claims coming in where the escrow agent failed to...
David Said:Can a dealer sell a vehicle without title?We Answered:The correct answer to this is yes they can. In the state of New Jersey you can. They just changed the law and if you are a New Jersey resident they can keep giving you Temporary tags until whatever problem they are having with the title is resolved. New jersey followed this trend from quite a few other states. What is the dealer telling you is the problem maybe I can help you with it.Maxine Said:help! proof of residential address for learner's?We Answered:you can use your PARENTS's water bill, phone bill,...
Andrew Said:Please help: Automotive Questions about car financing?? ?We Answered:1. c but it shows ur ablility to make payments and not default,,, it makes the banks feel safer about loaning u money...
2.d
3.a there are three major credit companies experian, trans union and one other
4. theyll look at all of them
5.a
6 depends on what ur comfortable with
7.d
8.c
9.b
10.a
11.b you and the financior
12.a
13.b and c cant negotiate apr its based on ur credit
14.c.
15.d
16.c
17.d but there are certain restrictions
18.a
19.b. 0% apr Grace Said:I 'm a Field Supervisor for an Insurance Inspection Company. What kind of...
Allan Said:Good or bad? Rep. Rohrabacher Introduces No Social Security for Illegal Immigrants Act ?We Answered:Yes I do agree. That is the price they pay for coming here illegally.
Illegals Granted Social Security
http://www.senior.org/advocate/immigrati…
Excerpt: "Recent studies have completely debunked the theory that these Mexican workers are coming to the United States because they have no work in their homeland. In fact, there is much more that is drawing Mexican workers to the United States, and it includes better health care (funded mostly by U.S. taxpayers), superior education for their children, and the ultimate jackpot: Social Security benefits.
The biggest...
Paula Said:If I were running for President?We Answered:Nope.
Here is where I disagree
1- Back alley abortions would just happen again with banned abortions.
2- We need Affirmative Action to be for the poor in this country, not for rich white women, rich blacks, rich Latinos, and rich Asians.
3- I will only support State sponsored death if when the state gets it wrong the DA, Judge, jury, and law enforcement on the case get death when someone is wrongly executed.
4- It is time to get off Oil now, they have the technology already but people are conned into thinking it is not possible...
Jo Said:Is it ok to drive a car just purchased from a private seller if I get the title changed in my name?We Answered:If your plans are to go directly to DMV to transfer the title & registration in your name, just make sure that you have a signed title, a legal bill of sale from your friend & your current insurance paperwork. That way if you do get stopped for an expired registration, you can show proof that you just purchased the car & are on your way to DMV. If the officer is a skeptic- (s)he may follow...
Viola Said:do you have to get a title insurance for selling/buying a house.?We Answered:homeinsurance.awardspace.us - try this one. Got my home insurance from them. As I know they provide such a service....
Arnold Said:What's the connection between a car title and a lien?We Answered:No, it does not prove that she owns it. At most, it proves that he owned it. If she needs to prove that she owns it, then she needs to bring the title and lien to the DMV and exchange them for a new title with her name.Alan Said:What exactly is a rebuilt car title and how does it work?We Answered:this means the car has been wrecked ,and the title will remain that way on the car forever,most people now though wont fool with a rebuilt title...
April Said:i recently bought a house my question is should i buy title insurance and why?We Answered:I don't know where you live. In may states in US, it's mandatory you obtain title insurance. Apparently not in your state since you've already bought the house. Ask the company (either escrow company or a law firm) or your real estate agent who handled the transaction, if the title search was performed. Normally the bank won't even release fund unless the title is clear. (Unless you paid cash). If the title was clear (and you have a written title search report), the chance...
Leon Said:Small business insurance?We Answered:It really depends on what business they're in. If they're in the medical industry, it will be very expensive. If they're a small consulting firm, it will be very cheap. But, unless you're in medical or food, it will usually be less than $1000 per month....
Naomi Said:Cheap tomatoes anyone, and this? Or more expensive tomatoes, and not this, America?We Answered:i agree with you. We are now seen to be and some feel it is our duty to be the welfare state of the world. I agree we should help out where needed, but we need to take care of our people first. We need to take care of the usa citizens who pay taxes, work hard, and follow the laws of this country. We shouldn't have to take care of all of the other worlds problems. I swear you hear...
Alfredo Said:wizjip, whats a title underwriter?We Answered:When you get a title policy or a loan policy, underwriter reviews the title work for insurability and risk issues.
I work for a lawyer at a title agency.Alvin Said:Stewart Title Insurance?We Answered:Mark,
You need to provide more details. There is no way that a title company can deny their responsibility for money entrusted to them in an escrow account. They have what is called a fiduciary duty to protect the funds they have in their care.
Call your State insurance department to get more information.Andy Said:Stewart Title Insurance?We Answered:I think that you should get you a...
Rosa Said:i have bought a strata titled home, do i need building insurance?We Answered:yes, unless the strata company has organised insurance for all buildings in the lot and the insurance bill gets paid through your strata fees.
if possible, it's best to insure all strata buildings as one lot (if everyone agrees) as it's usually cheaper, and otherwise this can lead to all sorts of problems in the event of a claim involving more than one building on the lot....
Margaret Said:My life is falling to pieces, I don't know what to do?We Answered:Baby girl, you have the world of problems on your shoulders and I am sorry about that. I wish I could give you some kind of solution, but I can't.
This doesn't say what city you live in or how old you are, but please encourage your mom to get counseling and or find a domestic violence place to flee to. It sounds like it has been pretty tough on you. Do you talk to your mom about your feelings? I bet she has pretty similar feelings,...
Rosemary Said:Signing over a car without a Title?We Answered:You need to contact the state Police, have them run a VIN check, take that form to the DMV, and apply for a Bonded Title.Casey Said:what is the charge in tennessee for driving a salvage vehicle and getting a ticket for no registration?We Answered:Arent the Charges shown on the back of your ticket?
can you look up these laws online or something/?Sylvia Said:About to travel out of state to pick up a car, how do I go about it legally as far as the license plate?We Answered:Call your agent and give him VIN,...
Charlie Said:Premiums on a used 2006 Nissan 350z?We Answered:1. If you are taking out full coverage with high limits which you should then the rates will be around $200.00 to $300.00 a month.
2. Depends upon several factors......
Title Transfer - This is a fee for the actual title work and will run about $33.00 dollars.
Sales Tax - Based on where you purchased the vehicle it can be anywhere from 6 1/4 to 7 1/4% of the total sales price.
Plates - If the vehicle will require new plates, or replacements, you will have to purchase them. I think that runs about $20.00...
Lauren Said:Will Well's Fargo work back-assessed property taxes into mortgage modification?We Answered:Yes, you are asking too much. Obviously, there was a discrepancy at some point, which has now been disclosed. Highly unlikely that it is "risky practices" on Wells Fargo's part, mistakes happen. Perhaps your property has two tax lots and you have only been taxed on one until this point, but who knows? You might bark up the tree of title insurance and such, but I doubt this was a title discrepancy, it is not an issue of clouded title, it is the amount that...
Sally Said:can you get insurance on a car without the title in texas?We Answered:Sure, assuming it's your car. How can you tell that? The registered owner on the registration card is you.Delores Said:I lost my Texas title need insurance in boston?We Answered:Mass has some strange rules for auto registration and insurance. You have to get an application from the insurance company before you can get the car registered and your insurance is not in effect until the paperwork is completed and tags are issued at the Registry of Motor Vehicles.
If you are moving to Boston, you will...
Raymond Said:Someone edit my resume? Opinions?We Answered:write your objective as.." Dedicated, hard working Registered Nurse with Medical and Surgical experience wishing to enter a rewarding long-term career in ..... field " .what is the exact role you ,want? do you want to specialise more? you need to put that in your objective. be specific. tailor it to each job opening (whether it is ideal or not). If you are submitting your CV to a recruiter, put your specific wish.
put your work history with last job first/reverse chronological order. so start with your current nursing, then secretarial last.
I...
Guy Said:Can a finance company keep the title to a car pending payment of late fees ?We Answered:yep -- because they know if the release the title there chances of getting the late fees goes out the window!!! check the find print - they may be able to sale it and keep there fees and send you a check!!!Bill Said:what are closing cost and does the title company charge a fee ?We Answered:this is not free. go to a title company and ask them to perform the closing
closing costs for seller can include:
1) closing fee to title company
2) title insurance...
Benjamin Said:is there any advantage in using the same title insurance company for a refinance?We Answered:The kid doesn't know what he is talking about.
Yes, there is an advantage.
If you use the same closing agent be sure to ask what is called a "re-issue rate" on your title insurance which can save you hundreds of dollars.Frances Said:In the state of Ohio, an insurance company declares my car "totaled", do I HAVE to get a salvage title?We Answered:You have a choice. Tell the insurance company to take their money back. Pay off the car yourself and then pay for the repairs yourself....
Ben Said:What kind title insurance need to buy for special warranty deed?We Answered:Special warranty deed indicates there may be flaws in the title probably resulting from the divorce action.
I'd go with either an owner's or an enhanced owners policy depending on where the property is....
Yolanda Said:Which company deals with indemnity title insurance for remortgaging?We Answered:Call a couple of escrow companies. They should know who does title insurance. Ryan Said:The solicitor says the lease in the flat we're buying is defective because of unspecified service charge.?We Answered:Looks like you will have to find somewhere else....
Charlene Said:Two options on purchase and sale agreement with regards to abstract of title or title ins policy. Which one?We Answered:If you are the Purchaser, you DEFINITELY want a title insurance policy that covers you. Most lenders will require that you purchase a policy for the lender as well.
You can negotiate whatever you want, but typically the purchaser pays for the title insurance policy....
Bobby Said:I was reading that, unlike in the movies, life insurance agencies do pay out claims in suicide cases. T or F?We Answered:Check your policy. I think mine wouldn't pay out if I commit suicide within two years of initiating the policy.
My policy is really funny. It will pay out $15K if I die, but will pay out $5K for each amputated limb or eye. I've told my next-of-kin that if I keel over dead, they should immediately saw off all my limbs and poke out my eyes -- $30K, or twice what they'd get if they...
Deanna Said:What documents do I get at a home purchase real estate closing?We Answered:Although some people can do a transaction like yours without a lawyer's assistance, you should consider employing a real estate attorney to help you. Please take no offense to this answer, but your questions suggest that you do not have enough experience with this type of transaction. Once you have gone completely through a transaction or two, then you you will know the dynamics of a condo purchase transaction.
You do not want to pay good money and not get what you expect.Allison Said:How do I...
Sarah Said:Still looking for title of movie (Insurance agent)?We Answered:Here is a list of all the movies Jan Michael Vincent has been in, maybe you'll find the title.
http://www.imdb.com/name/nm0001821/Mark Said:How easily/quickly can a title insurance agent tell you if a house can get title insurance?We Answered:If you just want a quick cursory search(Last deed forward) it can generally be done the same day it is requested, however they wont back it. (unless its a re-fi)
A full title search usually has to run at least 40 years for "marketable title". It all depends on how many times the property switched hands,...
Carol Said:Title Insurance Problem. We bought a house in December of 2006 from the Secretary of Housing (Fannie Mae).?We Answered:This is why the Title Company can not find this ocwen lien, it may not have ever existed. This type of thing is the reason Title Policies exist. Contact your mortgage service and advise them, as well as the Title Company, that at the time of close of escrow, the Title of this home should have been clear of all previous liens. (Mortgage, Mechanics..) It is the Title Companies job to ensure this. If there was an...
Eric Said:How can I sell my house to my roommate? What is the cheapest route? What is the easiest?We Answered:You could go to Nolo Press and get all the forms you would need. Check with local laws to make sure. The title insurance would be for the buyer's protection, not yours. If a bank mortgage is not involved then you could do it yourself. Recording the deed and mortgage (assuming you are giving him a private one) is not difficult. I would actually consult a local real estate lawyer and most likely negotiate a low cost handling of the transaction...
Alfred Said:Moved to Nebraska, why is the AZ DMV bugging me?We Answered:Did you surrender your Arizona license plates to AZ DMV? If you didn't, that is the reason you are getting letters. They are assuming that your vehicle is still located in AZ. I assume that you dropped your AZ insurance when you registered your car in Nebraska. When you did that, your old insurer notified the state DMV that your car is no longer insured. Since you didn't return the plates to DMV, they are assuming that you are driving around uninsured. This could be the reason for...
Frederick Said:Can you register a vehicle with a suspended license?We Answered:Lindsey W, There are lots of sites where you can get an online quote. http://www.goodinternetdeals.com/Auto-Insurance.html It only takes a few minutes to do.Audrey Said:Is this a car buying scam?We Answered:Well, I can give you the VIN and pics of my F150. As much as you would want to buy it, it's not for freaking sale and not for 10% of what it's worth, either!
Anyway, you, too...
How to recognize a vehicle scam attempt on CL:
# Shipping a vehicle to you is suggested by seller
# eBay Motors or another intermediary is...
Raul Said:Car Insurance company is sending check attorney states Medical lien is larger then payout, what are my optionsWe Answered:Assuming you are in the U.S.
Sounds like your wife has a Uninsured Motorist Bodily Injury claim (UMBI). Frankly, I'm surprised the company is covering this since there was no contact with the other car. What state are you in. Most states that I've handled UMBI claims in require contact between the cars and verification that the other party actually did not have insurance. What state are you are you in?
There are two things that should happen here.
1. The lawyer...
Philip Said:What is a title insurance policy?We Answered:Title insurance, is what the buyer purchases, so that if later down the line, his legal ownership comes into question (because maybe the house was foreclosed on, and the seller didn't have the RIGHT to sell the house, for example), then the title insurance pays.Andre Said:What is title insurance?We Answered:Title insurance protects you as well as the lender from some ones long lost heir stating they have rights to your land and or home. It is required and it is just a 1 time fee based on the loan size. Your owners policy...
Sonia Said:is there any other place for a title?We Answered:Fill out everything you can on the duplicate application form and the DMV can look up the number in their database. The title number is on the title only.Jeffrey Said:do i have to pay "in full" to my lein holder bc car was totaled...shes didnt require me to have full coverage.We Answered:Sad for sure, BUT there are 2 ways to look at it....
1st need to know what PAPERS she has with your name on them ???? This will be needed to tell you what rights you have.
"didnt require full coverage" Where...
Patricia Said:What is up w/my mortgage company??We Answered:If you qualified...they wouldnt want to add anyone else as this would complicate everything.
It's obvious that someone isnt telling you everything you need to hear...just what you want to hear
They will only need 2yrs of tax returns...and 1yr of business returns if he owns a business.....also sounds like someone doesnt know what they are doing!
his name will need to be put on the contract...Corey Said:Purchasing a used car with a bank lien through a private party in MA?We Answered:You and him should go to the bank TOGETHER and get a clear title for...
Sara Said:how to start title insurance business?We Answered:Contact your local department of insurance.Reginald Said:What if my Title Company goes out of business?We Answered:That's a good question. Did someone take over their business and shut down the existing building or did they close up altogether and just leave all their clients hanging?
I would think that the insurance itself went through an insurance company and they were using it as a "value added" item. What underwriter does it state on your policy or declarations page? Check with them to see if your policy is still in force and who...
Felix Said:What if a lien on property does not get resolved by closing of sale to a buyer?We Answered:Yes. The title company will make sure it is paid prior to closing or they are liable....
Alexander Said:Can a buyer of tax deed properties aquire title insurance in Kern County?We Answered:Yes, you can get title insurance on any property. Getting title insurance showing a clean title is something else.
If the tax lien was the only lien on the property when you bought it, then you have clean title. If all other liens were paid off as a result of the purchase or if the lender signed off, then you have no problem.
If there are other liens on the property or other owners of record, the title insurance will be issued "subject to" those people and lien...
Bonnie Said:The best deal for Cheap cars online?We Answered:craigslist or auto trader.you'll find cars cheaper here than you will ever looking at online auctions....
Dana Said:Have you had a good or bad experience buying title insurance in California? I'd like to hear about it!?We Answered:I work in PA, and it's the same here (only one state in the union does not require title insurance)
In my market, most costs are state regulated, so there really isn't a means of cutting costs. Could be different in CA.
I've seen several nightmare stories on a site that deals with free advice, but leans more toward the specifics of real estate. It's called freeadvice.com
If you go there, look for the Law Forums (top right on the grey bar),...
Clayton Said:Attempted insurance fraud.Is it a crime in Canada?We Answered:How is that fraud? Fraud has an element of financial gain through deception which seems absent here.
However, the insurance contract would probably not be honored by the insurer because their agreement to the contract was based on incorrect information.
Should the person removed from the insurance contract suffer a financial loss because of the conduct of the other party, it would still not be a crime but a case for civil liability under state laws of tort.Gilbert Said:I bought a used car in OH to register in NY. Can I drive...
Maureen Said:What can you guys tell me about a career coach or a life coach?We Answered:Dear LovelyLady
Regarding your first question, there are other career/life coaches that offer cheaper rates, dependent on their clientèle and their altruism! Cheaper doesn't necessarily mean lousy, likewise, expensive doesn't mean they are the best for you. You need to find a coach that you can relate to, and yet can be that supporter and tough master to help you help yourself.
A life coach will spur you on in the life path uniquely yours.
From what you write, I can see that you...
Courtney Said:Do you think age 33 is too old for a career change?We Answered:ANY age should be good for a change ..PROVIDED you have a passion for the new line of work and have the daring to face the immensity of troubles whic're bound to follow such a venture ..
I wish you all the best ..Julia Said:Business and Careers question? Anyone!!! Please help?We Answered:title ---- two people's second step in life
intro ---- every people has to take steps to success and make their dream come true. first step is called basic and we learn them in school....
Brenda Said:Listed below are ledger account titles and account balances, as of?We Answered:BALANCE SHEET
http://www.creditmanagementworld.com/leg…Edwin Said:The accounting cycle? Help please?We Answered:Ask your tutor for help. I am sure they would prefer it if you went to them because you do not understand rather than not attempt it at all.
Sorry it is way above me, but good luckJamie Said:Am I paying too much on closing cost?We Answered:I think you've posted this in the wrong place - definitely not a UK tax question.
However, the link you are using as a comparison is based on an amount of $125k. As your loan is about...
Dennis Said:$4000 yr 2000 Honda Accord. Do you think this is possible/believable?We Answered:IF its actually thru eBay you'll find the car listed on the eBay motors site
if it is? check their feedback and only use paypal for your payment
but I feel this is worded ( spelled ) oddly like as if the person is in a foreign country and ready to scam youBob Said:Can I Sue And Press Charges? (Scam Involvment)?We Answered:This is just a take off on the Nigerian money scams.
There isn't a car for sale. They will try to get as much money as they can...
Darren Said:Car Insurance claim- title??We Answered:You need to sign the back of the original title. You are basically selling your car to the Insurance Company.Herman Said:How or should I file for a claim on title insurance on a house?We Answered:First I would talk to the escrow officer that did the escrow, then I woulld talk to the Title Insurance Customer Service rep.
I would also insist the the escrow and title do all the paper work and also to pay for all the recording cost since it was their mistakes. Recording fees have gotten really high, thar least around...
Nathan Said:Title loans and insurance claims if the car is totaled?We Answered:Unless you have "gap coverage" on your car, through your insurance company, they have no obligation to pay it off. The policy says, they only pay the actual cash value, OR, the cost to repair, WHICHEVER IS LESS.
The payoff value, especially if you put little money down, financed it for five years or more, and have owned it for less than two years, is likely to be MORE than the actual cash value.
You need to call the loan company and find out what the...
Carolyn Said:Truck not in our name, but we make all the payments and have our own insurance. Can we claim it?We Answered:If you can prove you have been making payments then you could sue her but as long as there is an outstanding loan and she co-signed it she has every right to hold the title particularly if it's in her name and not his. Afterall her credit is on the line if you default on the $6000. Once it's paid off if she still refuses to give up the title then you can go to court and...
Ben Said:If I drop a class will I lose my health insurance coverage?We Answered:IF you drop under full time student status, you are dropped from the insurance.
They might not find out right away, but they WILL request reimbursement from the subscriber, after it catches up.
I would suggest NOT dropping those classes, just because you're not going to pass. If you don't want it to hurt your average, see if you can elect to take them pass/fail. Or just flat out fail them, and retake the class - only the higher of the two grades will count...
Annie Said:I am buying a foreclosure property and the bank/ower agreed to pay up to $10,000 as a closing cost credit.?We Answered:You should have a real estate attorney. It is not too late. What you spend on him will be a lot less than what they'll take you for if you don't.Karl Said:How to deal with closing cost mascalculation by seller's bank?We Answered:The closing attorney works for you. It sounds like you hired attorneys to negotiate a Real Estate deal instead of a Realtor. There should have been only one attorney. More information would be needed to have...
Dan Said:Can title insurance be purchased at a later time than closing?We Answered:It's up to your lender...but I doubt the lender would allow such....
Amber Said:"clean Title" yet insurance co says "salvaged"?We Answered:Not every state brands a salvaged title.
You can purchase a total loss (salvage) car- it will have a salvage title. You repair the car. Then have the dmv inspect the vehicle and issue a new title. Now the car is allowed to be driven on the road. However, some states will put a brand on the title so you know the car has a salvage past.
However, not every state has a salvage brand. Some, just give you a new title with nothing on it to indicate the car was a total...
Philip Said:What can I do if an individual won't release a paid in full mortgage on my property?We Answered:There is a maximum amount of time that he has to file that, and I'm sure that over 4 years is too long in all states.
Tell him that you would hate to have to get a lawyer involved to make things right. That should get the ball rolling. If it doesn't contact your lawyer.Julian Said:"every 60 seconds, someone somewhere is making the switch to Tempur-Pedic"?We Answered:Why not write to this "illogical" company and show them that their ads are obnoxious...
Howard Said:Easiest way to remove liens from title search.?We Answered:You have the choice of doing this work yourself, or paying the title firm to do the work for you. In either event, the title firm is correct. These folks need to be contacted to sign off on any liens which may exist. This SHOULD have been done when you purchased the land, but I'm guessing that you didn't get title insurance at that time.
Had you handled this at the time of purchase, the seller would have paid for a clear title. Now YOU get to pay...
Lydia Said:Records from Title Company?We Answered:First, keep in mind that there's a difference between paying off a credit line and closing the line. You can pay off the line, and still keep it open for future use. Your title company should have written to the bank that held your credit line for a Payoff Statement. The statement shows the amount it will take to payoff the loan, the fees associated with the payoff and what the requirements are for satisfactorily paying the loan in full. Also, for a credit line, they should have had you to...
Velma Said:Retaining/registering salvage title vehicle?We Answered:There are, and it's not an easy thing to do. Even after the steps, it's hard to get insurance coverage, but the state of CA has them outlined on the web page.
You'll find it here: http://dmv.ca.gov/pubs/brochures/howto/h…Marie Said:In the State Of California does allstate insure cars with salvaged titles?We Answered:Try this one - http://carinsurance.deep-ice.com - I personally have their car insurance, cause it is the cheapest for my family in our area.
As I know it provides such a service for salvaged cars.Jeffery Said:How do I get a car title switched to my...
Reginald Said:Who would you sue???We Answered:In Florida and any other State for that matter, if any motorized vehicle can be operated on the roads, city, country or state, you have to have a tag and registration for it. Which means you also have to carry at lease Liability Coverage on it.
Your fiances broke the law by not having the bike covered before he rode it on the open road. He broke it again when he let your brother take it on the open road.
As far as not having a chance to get coverage. That's a bunch of Bull Crap. He...
Hugh Said:Do different title companies have different rates for title insurance for the same house?We Answered:They are usually very close, within a few dollars. Check to see if one includes the owners policy (which the seller should pay for). You should just be paying the mortgage policy.Tanya Said:Which insurance companies would provide full Insurance for a salvage title?We Answered:Yeah, I know Farmers doesn't have a problem with Salvage Titles.
Check it out! every state is different call a Farmers Agent.
http://www.farmersagent.com/engagent.asp…
Good Luck!Christian Said:What can be done when a title insurance company gives wrong info on their final commitment?We Answered:Who...
Geraldine Said:Does the Insurance Company notify the DMV @ the time you buy insurance after registering your car?We Answered:Beginning in January 2006 the CA DMV required all insurance companies to report insurance transactions to them electronically. So the DMV will know if you do or do not have insurance...it takes them awhile. I just received notice from them last night on a non-op car I have telling me my insurance company advised them the car wasn't insured...it hasn't been uninsured for 5 months. Doesn't matter though, we haven't lived in CA for a year and the car...
Tiffany Said:This "seems" like a simple issue delaying our closing...?We Answered:That is a lot of questions, but I will give it a try.
The original accepted offer is a valid contract and binding on the parties that executed it. It's just that one party (the listed seller) has committed to sell property they don't have clear title to. This means they better get this corrected quickly so they're not in breach.
The offer should have a "Close by Date", which is really an expiration date for the contract. Both parties have at least until that date to perform.
Theoretically, the record owner of...
Salvador Said:help me! Title insurance on construction permit violation?We Answered:Your title insurance does not cover anything like this.
Did you sign a contract for a 4 bedroom home and end up with less? You can sue the seller, but you will have a very hard time because it should have been perfectly obvious that there are only 3 bedrooms.
It was your responsibility to make sure any construction has permits. There should be something in your sales documents. People buy property w/o permits all of the time, and it is perfectly legal. ...
Sherry Said:Insurance Company Totaled Car, Now wants to Change Offer?We Answered:The offers they gave you are very fair.
By law - they can not total the car and give you a repairable title.
Also - if they went along with your plan - totaled your car but lied to the state and gave you a repairable title -- the person you sold the Saab to - gets it fixed - gets into an accident with it -- finds out about its possible total loss history -- then turns around and sues the pants off the insurance company.
They are not going...
Clinton Said:Help!!! My Auto Insurance Company is refusing to cover my rental car!!!?We Answered:holy christ use some paragraphs. even if your insurance company provides you with a rental car why would they insure it, you have to opt for it when you rent the carFranklin Said:i need some Resume help!?We Answered:Hi Scarlet,
Its what you ultimatley want to do, for a living, so if that is kind u are looking for, then put the answer u think would be suit you for that position.
U know, I don't know familar u are w/ the internet, but u should check...
Dave Said:need help with accounting question?We Answered:1. E
2. D
3. A
4. D
5. D
6. AVicki Said:My car was totalled by the insurance company in Michigan?We Answered:They have a national database that shows the vehicle was wrecked and not repaired. Unless the database showed it was repaired, you cannot get full coverage. Also, it's called, PLPD.Tonya Said:Why haven't I received vehicle registration for used car bought from dealer in Michigan?We Answered:I live in MI, and used to sell cars. Call the secretary of states office and explain you haven't received your copy of your new registration. Go figure..the SOS messed something up....
Constance Said:If your parent put money into your car, do they have the right to recover all funds before the car is back?We Answered:If he has a legal note stating the debt, he can probably enforce it. If he just loaned you money without any paperwork, he really can't enforce it IF you are not a minor. If you're still a minor, legally you win nothing, and he can withhold the vehicle all he wants.
If you're over 18, the car is yours. But remember, dad also has no obligation to EVER loan you a dime again.Ryan Said:do...
Christy Said:Do you support healthcare reform in America?We Answered:Everybody is for health care reform.
There are not 46 million uninsured.
Ben Rothlisberger makes more than any CEO in the health insurance industry.Christopher Said:Do you think it is wrong for insurance companies to deny people for being to fat, skinny old?We Answered:Sicko has a gross profit of $36,088,030 to date. Moore's contract awards him 50% of profit. Too bad he hasn't donated that profit for health care.
You are right, it did start in the 70's. Teddy Kennedy, with the support of Nixon, sponsored the HMO act which set the stage for today's problems.Johnnie...
Bertha Said:Does anyone out there work for a title insurance company?We Answered:The closing company I work for has hired closers that help out on the really busy days. I believe they are on a part time/as needed basis. You might check with your local companies to see if they are hiring in that capacity.Jeffery Said:Title Insurance Company Open to Accepting New Agents in DC?We Answered:I believe the big three underwriters for title are still...
First American
Commonwealth/LandAmerica
Fidelity
IMO - I am not sure any of these would be willing to open up an office headed by someone with little or no...
Renee Said:Possibly looking to buy a "low flood vehicle"?We Answered:You probably won't pay more for insurance, the problem is if you ever have a claim on the insurance. The insurance company may try to reduce the value if it is ever totaled, and not want to pay as much. If the car was reconditioned properly it may never cause any real problems.
BTW, Carfax is not infallible. I bought a package of 5 when shopping for a car, and had 3 left over. I punched in my wife's vehicle which had been repaired once and had been totaled out from a...
Felix Said:Why are so many Christians so gullible to these "ministries" and tv preachers?We Answered:Some Christians don't read their bibles, thus they cannot discern what is of God and what is of Satan. If they read the bible, they would know that we are to test the spirits.Valerie Said:HELP ME ANSWERING THAT IS THIS DV LOTTERY MAIL IS CORRECT OR FAKE ? THE MAIL WAS FROM STATES.GOV.USA@USA.COM?We Answered:100% scam.
There is no lottery.
There is no Yahoo, Coca-Cola, MSN, Microsoft, BMW or any other company in the entire world that sponsors a lottery that notifies winners via email, phone call or text.
There...
Edward Said:Costs Of Winning Home In Northern California?We Answered:Property taxes $24,000.00
Fed Taxes 36% $840,000.00
State Income taxes 10% $240,000.00
$1,104,000.00Marlene Said:Help! Need Closing Cost advice.Here is my good faith estimate list. Tell me if this is about right. CALIFORNIAWe Answered:1. Loan Origination Fee - The person charged you .50 point. Thats very good.
2. Appraisal Fee- Did the company or LO pay this themselves or did you pay for the Appraisal? Reason I am asking is this is where Double Dipping can come in. Client will pay for Appraisal and than get charge again by the...
Jesus Said:Question about florida used motorcycle dealers.?We Answered:go with him/fl charges the tax and the dealer is paying it from purchase priceNorman Said:Tag & Title Transfer in Florida?We Answered:When I went a few years back they charged me over $200, but the woman doing seemed to be charging me for a lot of unnecessary things but I couldn't really do anything about it. When my husband got his car from his sister (which was from out of state) it only cost him like $25.Manuel Said:how much would it cost me to transfer a title of a 49cc scooter in...
John Said:your views on Banfield?We Answered:LOL they seem like idiots! I don't really care for my vet clinic either, but they are not half as bad as the one you went to. Our vet clinic as sitting room and the usually make people with aggressive dogs go out side and wait or wait in there car until someone comes to get them and tells them its time to see them. Our clinic never tries to talk you into something you don't want to do or purchase, they just suggest what a good thing to do is. I bet the doctor...
Mathew Said:Would title insurance cover cost of discrepancy of lot size after purchase?We Answered:If you purchased the expanded title insurance you might have coverage available. However, the best way to figure this out would be to call the title company and make the claim. There is no penalty involved with making a claim. If it isn't covered, they will let you know.
Also I would make sure that that survey was accurate. Did they "pin" the property? If they just got the survey from county records and did not have the property actually "pinned" (pinning involves...
Bonnie Said:how to check deed(land title), and how title insurance works?We Answered:The title company checks it and it is them that issue the insurance. The insurance covers you if they missed something, they also defend your title if someone takes you to court over a title issue.
The costs will vary by state, size of land and the type of zoning.Dianne Said:Homeowners Title Insurance/Costs Standard?We Answered:Address the "tips":
1."The choice of which title insurance company to select is yours, so contact more than one title insurance company to compare costs. " - This is true, however in most states,...
Virginia Said:How long does it take to get insurance on your car after you buy it?We Answered:autoinsurance.noneto.com - try this one. I have their car insurance and, as I know, they can provide such a service.Jessie Said:Which insurance companies would inusre an ex-salvage title car?We Answered:Most Companies should insure the vehicle, as long as the sate inspects it to make sure it is safe. I've owned several and never had any problems insuring the vehicle. But rules depends on the state u live, I live in Iowa, and nobody I know of has had any problems in this...
Allison Said:After the purchase of a car, is it legal to drive it before you go to the Secretary of State?We Answered:if they put a drive out tag on it you can drive it,but your supposed to call the insurance company and notify them that you have bought it,or go get insurance if you don't have it,if you have insurance and a legal drive out tag you can drive it,other wise its not legal to drive it,if they catch you they will fine you for no insurance,good luck on it.Holly Said:What are the steps to transfer ownership of a vehicle?We...
Tara Said:Can you get full coverage insurance on a reconstructed salvage title in Oregon?We Answered:You'll have to ask the insurance company. They're the ones who will decide.Mathew Said:Adding a person to an auto title for insurance purposes?We Answered:No, you do NOT need to be on the title! Whoever told you that is totally lacking in anything resembling a clue!
You do not need to get insurance for the vehicle. It's your father's car, he needs to get insurance. The policy needs to list you as an authorized driver since you will be the primary operator of the...
Claire Said:What happens if you are late to file your vehicle change of title?We Answered:nothing...forget it...Esther Said:Do seller paid settlement fees on real estate deductible or adjustments to basis for buyer?We Answered:No, you can't adjust your basis for something you didn't pay.Kelly Said:Is title insurance deductible on your federal taxes?We Answered:For a primary residence no.
On rental properties this may differ.Juan Said:$50 deductible and my insurance covers 80%, for a $175 bill do I pay more than $50?We Answered:You pay $50.00 deductible- and $25.00 is your 20%.Jeffery Said:Can i still get title 19?We Answered:i believe you can. title 19 and your...
Brad Said:Christians, how do you allow yourself to be available for Christ services?We Answered:Well, God uses you in his own time. When you are going through difficult times in your life he allows such things to happen because he is testing your faith. He wants to see how you handle pressure...Do you give up??...Or do you continue to trust him and know he is at the end of the road waiting for you?? I want to be used of God for his Glory in his Kingdom.Sherri Said:I really need this proofread.?We Answered:People will do anything to survive.
This statement was...
Diane Said:Does this look like a scam? Help?We Answered:100% scam.
There is no car.
There are stolen pictures of someone else's car.
There is only a scammer trying to steal your hard-earned money.
The next email will be from another of the scammer's fake names and free email addresses pretending to be the "eBay Vehicle Purchase Protection" and will demand you pay for "shipping costs", in cash, and only by Western Union or moneygram.
Western Union and moneygram do not verify anything on the form the sender fills out, not the name, not the street address, not the country, not even the gender of the...
Kyle Said:Does the police need my consent to ask me for details according to the law dictionary & the word Statue?We Answered:if you get busted they have to give you the Miranda rights ....
Frederick Said:please answer! (if you are young and pay car insurance.)?We Answered:For your age that's actually a good rate. As far as the steer clear program, it very well could have been included in the beginning cause the agent may have applied it even before you knew about it completed the program. If you look at the paperwork you received from when you first started the policy it will probably list the discounts that were applied.Julian Said:Are these good terms for a Mortgage?We Answered:The GFE (Good Faith Estimate) is a Good Faith only, but the fees look good...
Harold Said:How can I find easements giving access to a property?We Answered:Assuming also that you mean that there is NO public access to this property and that it can, potentially, be land locked then that is a question that should be put to the seller.. "How can I be assured of access to my land". If the seller can not provide a good answer, then likely there is not one.
The title company can only research easements 'of record'. That means that if there are unwritten rights or unrecorded documents the title company will not be able to provide...
Gilbert Said:Does this car worth this $$ for its carfax report? Please help urgent!!!!?We Answered:Bad deal.
You can get a 96 Accord without a salvaged title in good condition for $2500 on ebay, craigslist, wherever.
I would denounce my friendship with this guy for even trying to rip me off. A dealership would give him $200 on a trade-in.Perry Said:Is being an exotic dancer and having no bank account considered unstable?We Answered:In and of itself, those two facts do not make you "unstable." It does contribute to a bigger picture, though.
Why don't you have a bank account? This...
Jon Said:what do you think of my life plan?We Answered:It sounds like you are leading an amazing life. Congratulations. Assuming that this is all true, my opinion is that your plan could work, but it could be better. If you start off big, you will only tend to get bigger and the money will disappear. Here are my suggestions:
Hire an attorney and an accountant to advise you on protecting your investments and minimizing your tax burden. Preservation of wealth should be a new goal, and can be a full time job.
Realize that you are...
Jaime Said:I live in Indiana and just purchased a used motorcycle and I have a couple of questions?We Answered:You do not need insurance or a license to get a new title in your name for the motorcycle. You do need those for the registration (license plate).
If the current title in an Indiana title you should not need to have the motorcycle at the BMV. If it is an out of state title, you will have to have the motorcycle present for a VIN and engine number inspection.
Generally a properly signed title and Bill of Sale is all you...
Peggy Said:Which of these closing costs, if any, can be rolled into a conventional loan?We Answered:All of these costs with exception of the appraisal fee will be paid for with the seller concessions at closing so the only out of pocket upfront cost is $275.00.
On a side note the costs and rate are a little high.Dianne Said:Are these reasonable closing costs for a$140,577.00 FHA loan.30 yrs at a 5.875 fix rate.PMI $50 a month.?We Answered:Let's see now, alot of these fees are paid to the title company, and not the lender. And the appraisal fee goes to the appraiser,...
Melanie Said:What is it called when you do not pay taxes and insurance into escrow?We Answered:It is called an "Escrow Impound Account." It is very easy to get a waiver if you have good credit or a large down payment. A waiver will cost you 1/4 of a point upfront, so for every $100,000, you borrow, expect to pay $250.00.
If you plan on paying off your house in less than 5 years, it probably isn't worth it. If you plan on keeping the mortgage, get it waived. Once it is in place, it is...
Leroy Said:insurance on a salvage title vehicle?We Answered:All they will give you is the value of your vehicle if repairs would be more than the value, and they may deduct a percentage of that because it already had a salvage title. Once they pay you they will tow it away and try to recoup their losses through salvage on the vehicle. If you want to keep it, you can buy it back for salvage value.
If it is worth $25,000 you will probably get $17,500....
Gene Said:Short Story Help!!! Need tentative ideas!!?We Answered:I know my younger sister answered yours yesterday (Lexy) and I'm on her account.
I'm an English teacher, so I can help you.
1) Yes
2) It really is ironic, no (I agree with my sister's choice. It really does seem to fit perfectly.)
3) Yes
4) Yes. You didn't capitalize I every time you used it. (Ex: I just wanted them to stop and recognize i was awake.) Change it to I just wanted them to stop and recognize I was awake.
Also, you are using I too many times to start a sentence. You had...
Vincent Said:Do you think we can afford to buy a first home?We Answered:Hopefully you are looking at the answers to the same question you posted previously...
http://answers.yahoo.com/question/index;…
Making $30k after taxes he should definitely be able to afford this by himself, and if you can afford to pitch in your own weight or a little more, you shouldn't have any problems at all.
I would consider doing a fixed rate 30yr FHA loan and only putting 3.5% on as downpayment. The issue there is that if he puts down 20% (13,000) and pays closing fees, another couple thousand, you end up with...
Dwight Said:Can the previous owner of my car report my car stolen if I have the title, reg, and insurance in my name?We Answered:If you have the title and the title is in your name, the cops are much more likely to believe you than him.
However, if he has a set of keys to the car, he could very well "steal" the car from you.
His claims of reporting the car stolen won't do anything for him, but he can take you to small claims court though for the lack of payment.
...
Jacqueline Said:Do I need to pay a fee AND buy title insurance on a new house?We Answered:homeinsurance.awardspace.us - try this one. Got my home insurance from them. As I know they provide such a service....
Audrey Said:is there any difference between escrows title insurance fees and owners title insurance?We Answered:Towtruck,
I would call any local title company and just tell them you have a general question. They should have no problem helping you. Because it really depends on your area...
Simultaneous title insurance covers buyers and lenders. Owners title insurance covers the seller.Frederick Said:Title examination Fee and insurance. - settlement statement?We Answered:What does your Real Estate Agent say? What does your lender say? What's normal in your area may not be normal in mine...Alfred Said:How much are the total tax, tags and title fees and...
Lester Said:FL registration of car for daughter, lives with mother, insurance..?We Answered:the insurance can be under anyone's policy, it doesnt matter who actually owns the car. I would defnitely NOT get a separate insurance policy for the daughter, it would be too expensive.
your best bet would be to title the car under either dad or mom, and get the insurance under mom's policy.Jimmy Said:can you register a salvage title from FL in Ga?We Answered:Yes, to answer the question that was asked. It will, of course, remain a branded salvage title. However, you might want to rethink buying...
Keith Said:Who pays for Title insurance on a purchase in Florida (fee and mortgage)?We Answered:Generally the seller would pay in most counties. There are a few counties that the buyer pays but most of them are seller. Title insurance is a set figure based on the sale price of the house. It's $575.00 for the first $100K and $500.00 for each additional $100k up to 1 Million. There are other fees also associated with this. Seller would also pay for Doc stamps on the Deed for recording which is $7.00 per $1000.00. and any closing fee and search and exam...
Sarah Said:I am owed money out of a refinance, getting run-around and need to know who I need to talk to and get it back?We Answered:While there may be little your State Rep can do except pressure the companies, your State's Attorney General's office should be able to do much more, as well as provide you with a good synopsis of your rights and who handles banking matters. Call the AG's office as soon as you can and also ask who regulates the banking industry in your state.Colleen Said:Did I pay too much in fees for refinancing my home...
Samuel Said:I am purchasing a foreclosure and the Title company is asking if I want a survey ordered?We Answered:I never have them done, but the title company may refuse to defend your title regarding boundaries if they have no records of it ever being done....
Nicole Said:Is there a specific form that I can print out from the California DMVs website to add someone to title of car?We Answered:Gracie, For car insurance the fastest way to get a low quote is do a auto policy comparison. Be sure to choose the same coverage amounts, you can get an fast quote to compare against others. Use the same coverage area, car make/model, mileage and driving history to ensure you get accurate comparison. To get easy auto insurance quotes, go to http://www.simpleautoquotes.com/Auto-Insurance.html and you can compare all the major auto insurance companies....
Emma Said:Where do I find car title transfer forms (online to copy)..Thank You.?We Answered:If you are in Ca, go to the Ca DMV website, some forms will be available online, some will not. It looks like he wants you to transfer title on a vehicle, you don't provide much info beyond that, so it's best you check the website for the process.Irma Said:How would I put a 1.7 puma engined fiesta into the web insurance forms?We Answered:You will not get a good quote on a website for that. You need to do it by phone or in person at somewhere...
Clifton Said:Insurance Fraud / how to get a dependancy overide?We Answered:There is not much you can do about the truck and I am sorry to say you won't get a dependency override. They only give those out to people who were abused as children by their parents (and have documents to prove it) and to orphans and other with seriously f-ed up parents.Lori Said:What happens if a title company sells a house without a clear title?We Answered:The title company is bound to the buyers, not the sellers (original title holders). The sellers had no contract with them and it is...
Annette Said:I moved out of state. Do I need transfer my car's title if I change the insurance.?We Answered:It might be cheaper in the long run and here's why.
If you change the address on your insurance, it may be that they'll ask for your TX license plate #. If not, and you get pulled over, the insurance state and license plate state should match or you risk a ticket for not getting TX plates in a timely manner.
If they are both GA you can always say you're visiting or you only moved here last week or whatever.
So. Depending...
Karen Said:Buying a used car here in Hawaii, how do I get the title?We Answered:proof of ownership
Your license
addres
insuranceHeather Said:What can I do if the car title still has both our names after divorce?We Answered:You need to transfer ownership to your ex ... then it will be her car and her problem . Talk to an attorney . This should have been done before the divorce .Bobbie Said:Should I get a Hawaii salvage-titled car?We Answered:a salvage title usually means the car was in a flood, fire, etc. or some kinda majorly bad situation. unless you are a mechanic, it's probably not...
Dana Said:Is every home owner required to have title insurance?We Answered:Short answer: no
Longer answer: lenders require it to protect their investment. However if you buy a house outright without borrowing money then it isn't a necessary part of the transaction; however, without it if there's a problem with the title you will be out all of the costs of fixing the situation.Cassandra Said:Who pays for title insurance in the state of Missouri?We Answered:I'm next door in Joplin. We've purchased two homes over the years and have paid for the title insurance both times.Peggy Said:I bought a home brand...
Gregory Said:Buying a house without title insurance? What are the risks?We Answered:First of all -- if you can't get title insurance, NO ONE will lend you the money for it.
Secondly -- if there is a lien against the home, it must be paid out of seller's proceeds or the seller has to come to the table with money to pay the lien.
NEVER EVER buy a home without title insurance. Title insurance assures you have a clean title.
You may want to consider seeking attorney help or realtor help to write a good contract that she will accept. In other...
Angela Said:$7,500 Refi settlement fee, too high?We Answered:you are being taken advantage of
because the BROKER knows how much money you are cashing out
they are trying to get their piece of the pie.
if that broker cannot do your loan for less than 2% take your business
elsewhere.
as a matter of fact, i am assuming you are already pre-approved
if your credit score is higher than 620 go to your local bank
and you will probably end up paying around 2% of your total loan
do not let that broker take advantage of you
remember this, you are in control
the broker needs your business
good luckHarvey...
Gertrude Said:Revoked Registration, but had insurance (ILLINOIS).?We Answered:You won't go to jail but you did exercise poor judgment so i think you will be fined. I doubt it will be 1800 dollars, that sounds outrageous.
I wouldn't try explaining all you wrote above to the judge though. Just fix the problem, say you made a mistake and hopefully they will go easy.
Contesting this really won't help you, you are in fact guilty. Good luck though....
Esther Said:What are reasonable closing costs on a home sale in California?We Answered:About 3.5% of the purchase price of the home....
Vickie Said:Are title officers in Idaho licensed by the state?We Answered:I can put you in touch with a Title Officer that I use all the time here in Twin Falls, Idaho She would be more than willing to answer your questions. Feel free to email me and I will give you her name and number.
Realtor - Re/MAX...
Mark Said:Which of these Job Offers is better ? [URGENTLY need help from U.K IT workers/ aspirants]?We Answered:I'd personally say offer 2, because of the higher base rate and the free insurance/parking, also if you don't like the job your only gona be in it for a year. And if all does go well then you'll probally be offered a raise or promotion. The only down side is the bonus, but 12% is pretty nice still.
All in all i say job 2, but good luck in whatever you choose, and I hope your happy.Diana Said:How do I resolve a lien...
George Said:Buying totaled car back from ins. co?We Answered:Did a little research on the NJ MVC website. It does not appear that you have to place a salvage title on a vehicle to which you already have title. The salvage title comes into play when the vehicle ownership is transferred or when a person brings a salvage vehicle into the state.
For confirmation, you may want to call (888) 486-3339 ext. 5063Dianne Said:JUST BOUGHT A CAR> WHAT DO I DO NOW?We Answered:If you have the title, signed over by the former owners, take it to the DMV and follow the...
Jamie Said:What kind of moped am I allowed to drive?We Answered:i researched this for , it not easy to do because government is arrogant and does exist to serve the people. it exists to serve its self.
but to answer your question.
1) first you did not state your age , so you made me go to your profile to find your age . you asked a question that said you were 15 now.
2) you are correct , mopeds have pedals. " mo " as in " motor" and "ped " as in "pedal" = moped.
3) lots of people refer...
Evelyn Said:how much a 100k 1998 BMW328 i ( in PA/Ohio) worths?We Answered:the question of value depends alot on the vehicles condition. expect to pay between 6-8k on one in good condition.
you can have your title and registration transfered at any notary. just check the phonebook, and pick one.
insurance can easily be shopped for online. you can check out some of the major competitors like progressive, geico, ect.
if you choose to purchase a 328 i recommend checking out these sites for vehicle info. www.328i.org, www.bimmerforumz.com, www.bimmerforums.com...
Terry Said:help ASAP texas title and registation questions...?We Answered:YOU GOTTA BE REAL CAREFUL STATING A LESSER PRICE THAN YOU PAID . THE STATE CAN NAIL YOU FOR THAT BECAUSE YOU ARE SWEARING TO THE PRICE YOU PAID WHEN YOU SIGN THE PAPERS.Kelly Said:Need to sell car but problem with Title?We Answered:You have the signed over title and plan to scrap it... You don't have to re title it to scrap it.
Call the wrecker service and have it scrapped. You'll get essentially $0 if they haul it away.
If you take it to the scrap dealer... they'll pay by the...
Elizabeth Said:car title problem? do i need to register this car?We Answered:No, I know of no law that says in order to be paid, you have to license and register the car. I would think the properly signed title would be sufficient.
Unless..............The insurance is totaling the car. Then if they take the car, you will have to furnish them with a title in your name to give to them.Rick Said:does a dealership have to pay our loan if they are in breach of contract with us? 2 mo. still no title work.?We Answered:You need to file a complaint...
Leonard Said:What Should the Media Report?We Answered:I agree. They need to start reporting the truth again.. Not propaganda to sell papers!...
Willie Said:Does an environmental exhibition (booth) helps in promoting insurance industry?We Answered:i think it would be a bit difficult to find such an article which would link insurance industry and environment
nkSue Said:Why should I use a buyer's agent when purchasing a condo?We Answered:If teh house is listed through an agency, then there's no reason NOT to get an agent-- otherwise the seller's agent just gets a double comision and he's realynot looking out for your best interests. They typically split the 6-7% commision.
If its a for sale by owner, then the seller would have to add 3% in...
Nicole Said:Title insurance question?We Answered:The title company wants you to call them. There's a problem with the title on the property and they want to explain it to you.Joseph Said:Insurance information for young drivers?We Answered:No one here can tell you what some insurance company may charge you for some car you may buy. There are dozens of variables. Choose a (hypothetical) car, call a few insurance companies and get quotes. Note: It is always cheaper to pay for a 6 month or annual policy as opposed to monthlyArthur Said:What is title insurance?We Answered:Basically, being...
Kyle Said:what do you do after buying moped?We Answered:If you're anything like most moped buyers the next step is crashing it and getting hurt.
Insurance will vary from state to state. Contact your insurance company or just call geico or progressive--they're open 24 hours a day and will answer your questions for free.
A small moped like you're describing will probably not have a title but you'll still need registration and plates if you're going to operate it on local streets. The cost varies from state to state but probably around $50 a year. Especially if there's no title...
Brenda Said:I'm currently in the R.E. business in Title Insurance and my buss. is slowly dying! What can I do to make $$$?We Answered:I have a great income opportunity. Its a program that pays off your mortgage in as little as 8 years without refinancing their current mortgage, not using a bi-weekly or debt roll down program, theres little or no change to your current standard of living, and its guaranteed. If you're interested in making a lot more money using your existing contacts, let me know and i'll run everything by you.Keith Said:Title Marketing Professional-- what does this job...
Anthony Said:What to do if your parents kick you out at 19?We Answered:Tell your parents you are sorry and ask for one more chance. Stop drinking.
Do you have a church you could go to? If your parents don't let you home - maybe the police department could tell you where a shelter is for the night. - Try not to use the credit card for this expensive lesson that you will learn.
Good luck to you....
Courtney Said:i work at an insurance business but i dont know my job title? i do the simple tasks in a business?We Answered:administrativeEdna Said:What's the job title you can get after you major or get your degree in RISK MANAGEMENT AND INSURANCE?We Answered:You can be a risk manager, probably pays maybe $45-50 thousand a year to start, and it is a pretty well paying field. However you have to be a mean nasty person to be a risk manager. They are some of the nastiest people I have ever had to deal with. Good luck to you.Marlene...
Gerald Said:What rights do I have if my wife cheated and wants a divorce while I am deployed?We Answered:I'm tired of these stories of disgusting vile selfish destructive American wenches.
When will men learn? DO NOT MARRY AN AMERICAN WOMAN UNDER ANY CIRCUMSTANCES!!!!!!!!!!Laura Said:motorcycle questions?We Answered:Check your state laws regarding usuage. I live in Florida and here is a cost run down of being a first owner.
1. Pay $250.00 for classes to get certified
2. If going to ride without helmet, get insurance for $100,000.
3. Title costs depend on weight here in Florida.
4. Drivers license plus motorcycle endorsement $45 for 6...
Gina Said:I asked this question before about TITLE INSURANCE. Please answer this very specific question.?We Answered:Sounds like you are looking for a re-issue rate. Should be available depending on the state you are looking in.
Remember there are 2 components here; A title SEARCH and a title POLICY. The current search should be a current owner and should be much less than a 40-or 60 year purchace; but some states only require a 10 year search for a policy; state specific
Rates for a policy are based on value insured more than time searched. If you only had a policy for...
Marshall Said:Canadian title insurance question: I bought an older house, and the basement floods every spring.?We Answered:Consult a local lawyer. It shouldn't cost for a consultation.
There are lots of issues raised by your question, enough that even if an answerer actually knows Canadian law they would not be able to provide a full answer. I for instance don't even know enough about Canadian law to know whether it is just Canadian law that matters, or if provincial law also matters.
Here are some of the issues: does title insurance cover it, under the law or under your specific...
Ivan Said:Should I get owner's title insurance?We Answered:Owners title insurance protects you in case of a problem with the title. that could come up next week or come up years from now. I have seen times when someone owned a home for twenty years and found out when they sold it that the title had never been cleared when they bought it! The old title policy had to step up and clear up the problem. It would protect you if an unknown heir to this estate come up and claims part of the property. And...
Veronica Said:real estate and Title insurance?We Answered:It can go on forever, but likely won't. I am willing to guess it will still be a couple more years before it is all resolved. I know you think your situation is costing you money, but it is not near as much money as the liens that would be your responsibility if you didn't have title insurance. In addition I am crossing my fingers for you that you bought title insurance for you and the lender and not solely for the lender, because if not you could be in a...
Sean Said:In Florida how long do the parties in a divorce have to transfer deeds and titles after it becomes final.?We Answered:Florida is an "equitable distribution" state, Equitable does not mean equal, but rather what is fair. The court will encourage the parties to reach a settlement on property and debt issues otherwise the court will declare the property award.
so if you did not reach a settlement together.. It might take a real long time.. between 60 days up to years , ..
good luck and have a great day ..
.Raymond Said:In the military, if I buy a motorcycle do...
Lois Said:can you transfer a car title to somebody who doesn't have a license or proof of insurance?We Answered:yes you can,all you have to do is sign off on the back of it,your not really responsible for seeing that they have insurance,or a license,if they want to buy it that's up to them,it does pay though to at least make sure they are old enough to drive and have a license you could possibly be sued over doing something like this,i haven't ever heard of it happening,but sooner or later it will,good luck with it.Herman Said:if i get pulled over...
Jane Said:Insurance needed to transfer car title in SC?We Answered:no, you do not need insurance to get a title transfer!Debbie Said:After you receive your Insurance License what is your title?We Answered:Depends on which license you got.
Licensed insurance agent, licensed insurance broker, licensed insurance producer. Whatever type of license you got....
Marian Said:Does title insurance protect me against liens placed AFTER we close.?We Answered:Why do you think the contractors waited until after the sell was complete?...
Steve Said:Would my property be in danger if my original seller lost litigation which a lis pendes expunged was based on?We Answered:If the lis pendens is expunged, it is done. The title company will not offer title insurance unless they are confident they can convey clear title to you. If there is a problem, the title company will not insure it....
Steve Said:Can I be cited for no registration or something else?We Answered:What to do when purchasing a car from a private party.
If you have purchased a vehicle registered in California, you will need to transfer the ownership within 10 days from the date of purchase. You will need to do and/or have the following:
Visit a DMV office to transfer vehicle ownership. Call 1-800-777-0133 to make an appointment at a local DMV office near you for faster service. You may also make an Appointment(s) online.
A properly endorsed title, also known as a pink slip, with the previous owner's signature on...
Helen Said:Can a 17 year old have a car?We Answered:In most locations an adult has to register the car and their name will be on the title. This is more than likely the case in Louisiana.
Why not just give your local DMV a call to find out for sure?Sharon Said:can you take driving test with cardboard license plates?We Answered:As long as you bring all the paperwork, I'm sure it'll be fine. You can call them up and ask though.Steve Said:What paperwork do i need when selling a vehicle in Louisiana?We Answered:Just have your dad sign the title & a...
Clara Said:MA - Can I transfer title (motorcycle) without registering for road use?We Answered:You can apply for title to the bikes, and not apply for plates.
This link to the RMV site shows how to do this
http://www.mass.gov/rmv/titles/3original…
If the date of sale is not on the title now, you may want to date it based on the requirement that the title be applied for within 10 days.
EDIT do not white out the title, that will cause more problems. Pay whatever penalty they charge for late title transfer on the one, and date the other two in timeTracy Said:what...
Samuel Said:Registering your car when moving to Maine?We Answered:If the car is 15 years old or newer, you will need to have a title to register it. If it is over 15 years old, a bill of sale will be enough.Michael Said:can I take this to small claims court?We Answered:You say he held the title, but you didn't say if the title was in his name. If the title is in your name, simply apply for a replacement title. It may take a little while and a little money, but in the end you'll have what you need.
If the title...
Miguel Said:question about car sale tax and insurance?We Answered:Ignore the guy above, You had it right. The insurance company will give you whatever the market value is. Even if you bout it for 7000 and its worth 15000. The insurance company will give you 15000 for the vehicle to replace it because thats what its worth.
Good luck, and that guy was pretty nice to do that for you.Irene Said:Suggest a Book for "Marketing of Financial Services"?We Answered:there is no book like this...
Robert Said:Does a insurance fine follow the owner or the title?We Answered:The fine is accessed against THE OWNER of the vehicle AT THE TIME OF THE VIOLATION. So your boyfriend is responsible to pay that fine whether at the present time he still owns that vehicle or not. There is no escaping until he himself pays the fine.
By the way, the title of a vehicle cannot be be transferred until all fines are paid in full.Miguel Said:rebuildable title?We Answered:Not that much hassle however it will have to be inspected by a motor vehicle garage...they will check for stolen parts...
Rosemary Said:does title insurance cover incorrect property bounderies?We Answered:Talk to your real estate agent. They would be able to head you in the right direction.Dennis Said:I recently purchased a motorcycle with a salvage CA title..i need to register it in Massachusetts?We Answered:The term 'salvaged title' does not affect anything that pertains to the DMV registering your vehicle. It does show up on your title as a salvaged title and your insurance company will know as well because they have record of your title as well. There is nothing you can do to "clean" a title no matter how much work...
Rita Said:Car registration in MD?We Answered:Yes, provided the vehicle is insured under your auto policy. However, if he can't maintain his own insurance, are you certain you want the liability of him driving vehicle for which you'd be wholly responsible?
The best remedy, if you can afford it, would be to subsidize his obtaining his own insurance.
Best of luck. I hope this helps.Norma Said:I am moving to PA and will be in a temporary residence until I find an apartment. What do I do?We Answered:Relax, this happens to millions of people every year, its no big deal.
For...
Lee Said:car insurance under my parents name w/o parents being present?We Answered:you cannot add yourself or your car to their policy. THEY have to do this. yes, most likely it would be cheaper on their policy. your parents can call their agent (even from out of state) and add you and the car.Gloria Said:Trading in my car?We Answered:If you don't want to pay that much, giving it back to the dealer is your only option. It doesn't matter who owns the car, what matters is the primary driver when it comes to insurance.Cheryl Said:converting automatic to manual...
Jay Said:can you put insurance on a car in michigan if the title is not in your name?We Answered:Legally no, but I have done it in past, they won't ever find out, unless accident happens, then questions might be asked.
Car was in my name and insurance was in girlfriends name.Michele Said:Is proof of insurance needed to transfer a car title to a relative?We Answered:Depending on where he lives, he shouldn't need to plate a parked car. He certainly does not need to insure a parked car. Though, some Michigan counties have rules about how many vehicles you can...
Irene Said:Are federal workers overpaid?We Answered:NO. IN fact if you look at federal employees with comparable education and training to a private sector employee you'll find the federal employees make on average about 20% less.George Said:I bought a car and got a receipt of sale but didnt sign a bill of sale can i get a refund?We Answered:Sorry for you situation. Your best bet is to file against him in small claims court. The clerks in your county court system can help you with filling out the necessary forms and filing the case. (The court clerks can not...
Sharon Said:Can I register a vehicle in Missouri with an out of state dl?We Answered:I think you're slightly misunderstanding the situation.
First, you cannot register a car in a state that you do not live in. So you can't "pretend" to be a resident of Colorado, and register your car in MO. You need MO insurance, and the MO insurance will insist on a MO license, within 30 days of selling you the insurance.
Second, DMV forms don't get forwarded - so if IL has notified MO about your license problem, they've also notified CO of your license...
Felix Said:Title Insurance?We Answered:First of all, title insurance rates are a set percentage of the purchase price of the house.
Second, the title insurance protects YOU, in case it turns out after all the paperwork goes through, that there's a PROBLEM with you getting clear title (like, some guy 50 years ago willed it to someone else, and a third party who had no right to it, sold it).
So you're not going to get a better rate elsewhere, and it doesn't cover them - it covers YOU....
Roberto Said:Transfer auto title from my brother in NC to LA?We Answered:Assuming your brother is the title holder, and the vehicle is free and clear of any liens because of financing, he would sign the title as the seller, have it notarized, and ideally also make out a bill of sale that he is transferring his interest in the vehicle to you at no charge. Many states don't charge for transfers between family members.
You would take those documents to the DMV, where you would get a title issued in your name, and information as to how to get tags...
Max Said:Is title insurance necessary?We Answered:Unless you're paying cash for the house, the lender will REQUIRE you to purchase title insurance.
Raul Said:what would happen after you buy your totaled car from the insurance company?We Answered:I have to ask what the damage entails that resulted in the vehicle being totaled.
No, you can't drive it without a registration and if the state requires an inspection sticker, you will need that also.
Driving it without fixing it depends entirely on the extent of the damage.Keith Said:Buying a used car from another person in Pennsylvania.?We Answered:Yes you will need liability insurance before you transfer...
Roy Said:How do I get a friend's car off of my registration and insurance?We Answered:autoinsurance.maclenet.com - try this one. I have their car insurance and, as I know, they can provide such a service.Andre Said:Commission for Title Agent?We Answered:Can't speak for NJ specifically, but the commission rate on Title Insurer is 60-90%; this will vary based on the arraingement the title company has with whomever is the lead underwriter and/or insurer.
The loss ratio for title insurers is very low (5-10%) so they need to get very little premium to cover losses.Alan Said:Insuring Out of State Brother's Car?We Answered:no....
Minnie Said:What is the cheapest method of towing a car?We Answered:well.... if you have a truck to tow it with u should be able to rent a car dolly from U-Haul or a company like that. What a car dolly is, is a trailer that only the front tires of the car you are towing are on the trailer and the rear tire are on the road. I have used them alot and they work great. U-haul may even let you rent it at one U-haul store and return it to a different one so you don't have to drive...
Derrick Said:I purchased a vechicle without getting the title, is this a bad idea?We Answered:JUDGING BY WHAT ALL THEY GAVE YOU I DONT THINK THAT THEY ARE TRYING TO RIP YOU OFF... BUT IF YOU DONT RECIEVE THE TITLE JUST CONTACT THE DMV, OR COUNTY CLERK AND FIND THE STEP TO FILE FOR A LOST TITLE..Monica Said:If someone's name is on a vehicle title as "co-owner" do they have to be added to the owner's insurance??We Answered:Your daughter needs to be listed on the policy as a co-owner, either with an additional insured endorsement or a joint owner endorsement....
Danny Said:Blue Cross of California, UnitedHealth Group Inc letters to physicians aimed to cancel patients' insuranceWe Answered:That is not fair. I would love to see medical health for everyone in America, but I won't vote democrat.Lydia Said:Can anybody suggest some Catchy titles for an insurance company's news letter.?We Answered:COVERED
UNCOVERED
BONUS
PERFECT POLICIES
POLICY
GET COVERED
COVERED PEOPLE
UNCOVERED PEOPLE (!!)
REST ASSUREDJoann Said:Value for insurance - THE SURRENDER OF JAPAN - aug 1945 Hooper Isoland - my original 16 page mimeogrpah?We Answered:USS Hooper Island ARG-17: an axillary vassal to provide support for combatant ships, it was one of 19 such ships for the repair of internal...
Michael Said:What are the correct answers? Please explain why. Business Grammar?We Answered:4. A is correct.
B is incorrect - the plural of bacterium is bacteria, not bacterias.
C is incorrect - 'no's' is an incorrect usage of the apostrophe
D is incorrect - 'knows-it-all' should be 'know-it-alls', also 'parenthesis' should be 'parentheses'
--------------------
A is correct
B is incorrect - the plural of 'soprano' is 'sopranos', not 'sopranoes'
C is incorrect - 'wifes' should be 'wives'
D is incorrect - it should be 'alumni' not 'alumneses', and I'm pretty sure that 'basises' is incorrect too (the plural of 'basis' is 'bases')
-------------------
23) I'm a little unsure on this one...
Gregory Said:Buying a car in NJ from a Private seller but want Georgia Insurance?We Answered:Call the DMV in your hometown in Georgia. As long as you have a permanent residence (your parents house) in GA you can register and insure the car there. The DMV will tell you how to handle the license plate issue. Contact your insurance company and let them know that you'll be purchasing a new car. They will ask for some information like make, model, year, VIN, etc. Once you've got your new insurance card for the vehicle and have figured out what the GA DMV...
Kristen Said:Purchased a car from a private seller. Can I drive the car before the title is released by the lienholder?We Answered:That is the same in all states.
It will take 2-3 wks for Toyota to do the paperwork.
You can call Toyota and ask for express service on the title.
and overnight the title. That will save you some time.
Or drive the car with the previous owners plates.Billie Said:Is it still true that if a car is Registered in one state, Insurance is not required as visitor of diff. State?We Answered:Unless you are a legal resident of either Wisconsin or New Hampshire,...
Jessie Said:how much will it cost to transfer a title and register a 1997 audi a6 quattro wagon?We Answered:Nobody can answer that without knowing what state you live in, what county in that state and how they calculate their taxes. It depends on the assessed value of the car.
You can go to your county courthouse or the DMV and they'll tell you EXACTLY how much it will cost.Roland Said:Registration/license suspension due to insurance lapse in NY, AND lost my wallet with ID..?We Answered:You'll have to pay a $25 fee to get the suspension lifted from your license. ...
Jessica Said:What are the advantages and disadvantages of owning and driving a motorcycle in NYC?We Answered:Cons:
1. Storage
2. High risk of Theft
3. High risk of Vandalism
4. What will you do in bad weather?
5. Those cabbies are nuts (dangerous)
Pros:
1. Gas may be cheaper than metrocard
2. Quicker than public transportation
3. Parking won't be difficultLeroy Said:NYC Car registration, can I register my car withouth auto insurance?We Answered:No. It must be insuredJoanne Said:I'm in an interesting situation, anyone good with legal stuff in relation to cars?We Answered:Ok.....so.....You need to contact the Oregon DMV, via phone, email or their website and conduct your business...
Jamie Said:Driver's License and Registration in two different states?We Answered:You can buy insurance anywhere, I think. Why dont you ask your insurer in new york, then keep ny license. The license plate can be the state where it is parked?...
James Said:How do I get my car into my name, and out of my dads, with there still being a balanced owed on the car?We Answered:Bad news , the car is in your dads name. there is not much you can do until you pay the car loan off.Alfred Said:In Oklahoma can you insure a car not in your name?We Answered:Yes. You can insure any car if you have an "insurable interest" (tip: Google "insurable interest" for the legal definition) in it. That simply means that you drive the car or the car is in your possession....
Donna Said:Refinancing fees too high?We Answered:It's high for a primary loan, but probably not for a refi. Those fees go to the attorneys, the title agency, the actual lender (the person, not the bank), and yes, to the bank.
If you are unsure if it's worth it, use this refi calculator. http://www.lendingtree.com/mortgage-refi…...
Brian Said:How Can I register my Semi truck and trailor online?We Answered:I can't answer your specific question, as each state has their own requirements for registering a truck.
Most, if not all, do not allow you to register online, as it is a LOT more complicated than registering a car or pickup truck.
The best thing for you to do is call your state Department of Motor Vehicles and ask them what they require and if you can register online.
Also, as a new owner operator, you need to read by blog. "Owner Operator 411: How to Become an Owner Operator and...
Greg Said:Question about vehicle title in Ontario?We Answered:I LIVE IN ONTARIO
NO BRAND MEANS IT WAS NEVER BEEN IN ANY REPORTED ACCIDENTS NO HAS NO SALVAGE TITLE OR REBUILT TILE WITCH IS A VERY GOOD THING
GET A CARFAX REPORT TO BE SURE IT NEVER HAD BRAND ELLSWHERE
ABOUT THE UNFIT IT MEANS THE CAR HAS NO SAFETY WORK DONE IN ONTARIO YOU CAN NOT REGISTER A CAR ON THE ROAD UNLESS YOU DO SAFETY INSPECTION ON IT LIKE BRAKES TIRES , BALL JOINTS EXT. SO IT IS NOT BIG DEAL AS WELL DO NOT WORRY I BEEN IN THE CAR...
Javier Said:Please help with this odd situation I'm in concerning the title to my car...?We Answered:If you chose to keep the car, your insurance company will likely give you a salvage Oregon title since you had an Oregon title to begin with. It will then be up to you to get the car re-registered in Michigan.
Truthfully, this is headache. Unless there is something spectacularly terrific about this car, let the insurance company total it and you can start fresh in Michigan with a different vehicle.Thelma Said:Does a moped/scooter have to be titled?We Answered:Yes Mopeds must be registered in OregonNathaniel...
Frederick Said:Do I need to buy Owners Title Insurance, if i am doing 100% financing for my condo?We Answered:I would get it. You will have equity. Prices will go up, even if they are currently slipping in the market....
Dana Said:Does PA state law say that a total loss must get a salvage title?We Answered:I'm not sure about PA, but that is so in Nebraska. It was part of the settlement in order for me to keep the car. Now we did negotiate over the amount they would pay me. I think you should do so too. In my case, I settled for about $200.00 less than if I had just signed the car over to them.
Be aware there are various editions of the NADA book. You may have to do some research in...
Angel Said:Can I file a claim against title insurance?We Answered:This isn't at all related to title insurance.
Title insurance, is when someone comes back and says you don't own the house, because the guy who sold it to you, didn't own the house because they forged the deed. Or the great uncle inherited it, and not them.
It's all about ownership of the land. It has nothing to do with permits.
The only time pipe breakage isn't covered, is when the pipes FREEZE AND BURST, due to no heat, when the house is vacant. It's not about the glue....
Willard Said:If you buy a new used car does your insurance policy/costs change?We Answered:You'll have to have the title signed over if you're buying from an individual. If you're buying from a dealer, then whoever you get your loan through will keep the title until the car's paid off. Kind of like collateral. If you default a payment, they have the right to take the car until payment is made.
As for insurance, your policy doesn't have to change, but you must make them aware of the vehicle switch. Your insurance will probably be lower. It's based on a lot of...
Kim Said:car insurance problem??? what can I do?We Answered:It depends on how significant the change is. If they were charging you a higher premium because of the VIN error then you should be reimbursed for the excess premium as a credit to your account. I doubt that would be the case because you have to renew your registration with updated insurance cards matching the vin and DMV wouldn't accept non matching vin numbers and you wouldve noticed when they send you the documents it shows the vin and make model yr of the car. You also wouldve...
Terry Said:Buying a warehose for $1M that is FSBO, do I need an ALTA policy of Title insurance, or will sandard title do?We Answered:Not enough information. Is this a cash sale, or are you financing it? If there's a lender, it will be up to them. If there's no lender, you can do whatever you want.
REgarding the costs and paying for it, it's a flat percentage of the sales price, usually somewhere between 2% and 4%, by county. So it's not negotiable. But who pays for it, IS negotiable - part of the sales process.Susan...
Minnie Said:Auto Insurance: Name Insured and Operator...?We Answered:1. Even if you are the operator of the vehicle, your mom's name should be listed on the insurance ID card because she is the title holder.
2. As long as you are listed as an operator in the policy you will be covered.
3.If your friend drives your car with your permission and gets into an accident, then the claim should be handled by your company, and your rate will increase.
4. If you drive your friend's car with permission his company will handle the claim, and his rate will increase. If you...
Sally Said:when changing a car title do you need to have the insurance under the purchaser's name?We Answered:The name on the policy is who pays for it, and it has nothing to do with who's allowed to drive it....
Delores Said:do salvage title cars have cheaper insurance premiums?We Answered:No... Not necessarily. Many insurance companies will only insure a salvage vehicle with liability and sometimes comprehensive coverage. Vehicles with a "salvage title" are seen as being worth less compared to the same vehicle with a "clean title". This has nothing to do with the actual quality or condition of the vehicle itself. The insurance rates will most likely be approximately the same, but in the event of an accident and insurance settlement, the vehicle will be considered by the insurers as almost worth much much less.
When it comes...
Sharon Said:Does a "salvage title" change the insurance price?We Answered:It won't affect your insurance premiums unless you get full coverage.
Yes the value of the car drops a lot with a salvaged title.
Before buying it make sure you look deeper than the surface, Ins companies don't total cars for just a dented hood. I promise there was other things affected.Pamela Said:How significant are the insurance price differences between a clear title and restored title?We Answered:With a salvage restored title, you will probably be able to get basic coverage, but no insurance company will give you extended coverage, so you...
Minnie Said:does the insurance and title to a car have to be the same person?We Answered:Yes you may add your car to your husband's policy because under definition of insured says named insured and spouse living in the same residence. (Even in NJ!!). You should be added as an actual named insured on the policy even though you are automatically covered as an insured because there can be times when you may not have coverage when you should be (like extended liability to a rental car). So make sure your policy has both your names on top...
Elsie Said:I am trying to find the user who asked what was the beatles first release?We Answered:<3 BEATLES!!!!Penny Said:Car accident... Rear ended... salvage title... Cash settlement?We Answered:As long as she has insurance, it's all good. Make sure you get her to pay for both the damage to your car (it doesn't matter that it's a salvage title because she hit you) and the injuries she caused you.Vivian Said:My car was recently rear-ended.... I have Two questions....?We Answered:If the value of your car is less then $900, they will not pay you to repair it.
A salvage title means...
Eric Said:Where can I find good sample questions and answers for a job interview?We Answered:http://jobsearch.about.com/od/interviewq…Daryl Said:im buying a foreclosed home soon and the bank wanted me to do a limited warranty deed.?We Answered:It is common practice for all corportions, including banks to convey property by limited or a special warrenty deed. That's because it protects the company assets for errors that result from before the company owned the property. Basically it warrents that the company has done nothing to make the property less marketable whle they've owned it.
If you bought the property at a sherrif's sale, then you...
Elaine Said:What does title insurance protect against?We Answered:Title insurance pprotects the owner / lienholder from any previous claims to the property. the title insurance company does a "title search" which generally involves reviewing the deed filing at the town or city hall of records. They check to make sure that there are no outstanding liens, that the property beiong sold is in fact the same parcel as listed on the town/city records, and they often trace back the title to insure that subsequent sales were in fact recorded legally.
Title insurance tends to be a very overpriced product for the...
Phillip Said:I've registered for a title insurance producers license. what do I do now?We Answered:Well I tell you what first if you don't have at least 5 yrs of experience in the field, no insurance company is going to get you appoint or give you a contract, and without experience there's a big, huge chance to make a mistake that can cost u.
And is good that you think about being a business owner but you need to consider that it cost a lot to have an insurance place because you need to think about, rent, e & o, utility bills,...
George Said:Car Insurance & Title Question?We Answered:okay, The loan company will require that car be in your name. The loan will have no effect on Mom's credit rating. okay
okay
scenario?
qualified?
okay
okayDiane Said:Insurance Policy questions if you change the title to another name?We Answered:It really depends on the insurance company. Alot of companies have been lenient in the last few years in regards to have a car on a policy that's not under the named insured's name.
However, if it's a family policy the insurance companies will very likely not have a problem with the car not being under the named insured's name....
Julie Said:How long does it take to get proof of Insurance from Progressive Direct?We Answered:Most insurance will either FAX you the proof of insurance or let you print it on your own computer.
good Luck......
Marion Said:insurance question with two names on the title?We Answered:Yes, with mom's name on the title there is a chance, however small, that there could be an accident that goes over the limits of your insurance, and she gets sued. There is also a chance a meteor may hit tomorrow, and land on your car as it travels.
As long as you have insurance coverage, mom really doesn't have much to worry about.Gina Said:Title Closing/escrow fee ?We Answered:Seems high; I'd ask for an itemized breakdown of what those charges cover.
(How can anyone know if you got a bargain on title...
Jane Said:Is title insurance just a scam?We Answered:NO the state does not set the rate, and it's not a scam. Shop around and see if you can find a better deal. You are buyinng it for the benefit of your lender. Your seller bought it for you when you purchased, and you bought it for your first lender, but now you're refi-ing and have to buy it for new lender's protection. Now if you do a Loan Modification instead of Re-fi, no new policy to purchase, and it's possible if you're not trying to do anything...
Viola Said:Title on a new car?We Answered:You will have to actually re-title the car in order to do that. You'll have to pay for the title fee and taxes, and probably some other add ons.Rhonda Said:Whats the truth about Salvage title Car?We Answered:Insurance companies will only insure liability on a savlage title. They will not insure full coverage....
Melinda Said:Im 16 and need car title and insurance advise?We Answered:by law, you can't have your name on any title of any car (its considered a contract). Your parents would have to register the car in their names.
and as far as insurance rates go you can expect to pay from $400 a year to as much as $5000 a year. - basically, NO ONE will know what your insurance rate is going to be because there are MANY factors that go into determining rates, these factors include:
1) your age/experience
2) other licensed drivers in your home and their driving records
3) credit...
Alexander Said:Why doesn't WWE just join Heat and ECW together give 'em thier own Tag Champs and make it a 2 hour show?We Answered:1) Heat was a compliment show to RAW (as Velocity was to SmackDown)
2) Velocity actually is the predecessor to ECW. Velocity was revamped, renamed, etc to become the new ECW, which explains why ECW & SmackDown are on the same taping schedule.
3) Heat was recently cancelled (& wasn't on television for a while before that)
4) The plan is, by August, that ECW will move its tapings to Monday's before RAW.Heidi Said:Anime Questionnaire!?We Answered:I'm gonna humor you cause...
Terrence Said:Refinance a non-recourse loan in california?We Answered:A non-recourse loan is one where the lender is counting on the collaterall to be worth the loan amount. Correct? So if you refinance both loans, to a different loan program, the non-recourse loan is paid off by the refinance. Simply tell the lender you plan to refinance with that the loan CAN NOT be a non-recourse loan.Erik Said:i bought an investment property, and now it has title issues. i have title insurance. what happens now?We Answered:What is on the title that prevents it from being sold? If it's something...
Randall Said:Title Insurance when refinancing - what does it cover?We Answered:The answers above are correct about Title Insurance not covering the taxes due at that time, BUT the bigger issue is that the taxes were likely collected at that time and the escrow not properly accounted for.
This will take some work but, dig out the closing/settlement statement for the refi (known as the "HUD-1") and look at the collections and disbursements lines. You should have been credited with the payments made and that collected at the time of closing. It is possible that the previous lender held the escrow and...
Jose Said:practical exercise:local standards and regulations?We Answered:i dont know 1-3 but 4 is B a philosophy, 5 im guessing is A, 6 is C and 14. im guessing is AJavier Said:Where can I find Title 10, 12, and 16 laws and regulations in Colorado?We Answered:Here you go:
http://www.law.cornell.edu/states/colora…...
Douglas Said:Will The insurance company reissue the check in my name only ?We Answered:Nope, they can't. They HAVE to protect the leinholder, if it's YOUR policy.
BUT, they'd probably write it out directly to the auto body shop.
If it's the other guy's insurance (doubtful, because how would they know that you have a leinholder?), you CAN request the check directly to only you.Mike Said:Question regarding car that has been totaled by our insurance company?We Answered:Usually what the insurance company does is gets a basic value for your car (autotrader.com), and will offer that amount to you....
Dolores Said:Is proof of insurance required to transfer a title?We Answered:Laws vary from state to state, but generally, No, you don't need insurance to transfer title of a non-operational vehicle....
Gertrude Said:How do I get into Title insurance sales with no experience in the field?We Answered:Try to get hired by a title insurance co. If no one will hire you & if you really want it bad enough you could make this offer: Try me for two weeks, if you don't think I worked-out for you then you can let me go and not pay me. If you are happy with me then you can pay me for those two weeks and keep me. Good Luck....
Allison Said:Can the Police legally tow my car away without telling me or giving me a citation?We Answered:You have one against the City as well as the officer who towed the vehicle and the tow company. If you purchased it from the agency that towed it you have a case.
If you provided proof of ownership and the reasons for not having it properly tagged as the fault of the San Diego PD - the officer had a duty to inquire further with his agency in regards to the vehicle. His failure to properly perform that duty showed and...
Bobbie Said:is this a Scam or NOt?We Answered:100% scam.
There is no car.
There are stolen pictures of someone else's car.
There is only a scammer trying to steal your hard-earned money.
The next email will be from another of the scammer's fake names and free email addresses pretending to be the "eBay Vehicle Purchase Protection Program" and will demand you pay for "shipping costs", in cash, and only by Western Union or moneygram.
Western Union and moneygram do not verify anything on the form the sender fills out, not the name, not the street address, not the country, not even the gender of the...
Byron Said:HOW CAN I BUY BASIC INSURANCE ON A SCHOOL BUS THAT i MADE INTO A RV?We Answered:call the insurance guy/gal and say i have an RV its a 1990 blue bird.Betty Said:insurance, salvage title,?We Answered:If the insurance company finds out they paid you for a car that was totaled and you all ready collected on it they will be after you. This is fraud.Kay Said:Why isnt it considered discrimination that male car insurance is more than female?We Answered:I consider it AND Title IX discriminatory. Title IX is a good idea in theory, but the most funding should be given...
Dan Said:Do you need a title search and insurance on an reo(bank owned) property?and do you have to worry about a C.O.?We Answered:As the seller of the property, the bank is responsible for providing you with clear title that is certified by a title opinion (not worth much in my view) or a title insurance policy. I wouldn't buy a property without title insurance. Good luck to you.Dianne Said:Is title insurance really necessary?We Answered:No, I would not buy a property without a title policy.
Unless you pay cash you will be required to get a title policy before you...
Wade Said:can i get a salvage title car back to clean title ?We Answered:No you cannot change title back to clean,and as for insurance,it will vary depending on many things including age of driver.Some companies will not issue a full coverage policies on salvage title vehicles....
Charlene Said:Under what conditions do title companies do closings?We Answered:We do them for generally less than the banks charge.
Same service, less middlemen.
ANything a bank does, we do. Maybe better, because this is our only way of making a living.
Do it all at once.Irma Said:Real Estate Title Services Insurance?We Answered:Leins, or liens (can be spelled either way!) Generally the escrow agent will order a payoff demand from your current lender (deed of trust) which will be paid at closing. There is a fee for the title insurance and escrow, but if you're merely wanting to know what...
Anthony Said:Can someone check my grammer and sentence,please also can i apply for account manager with this experience? tyWe Answered:just as the above has stated those error's are the only real ones i saw. Now for experience you will have enough. As long as a person has the appropriate licences to deal with the accounts that the position will be overviewing you should be good. Remember there biggest thing they wanna see is your personality. If you are kind and prompt that will give you a edge. Your job will be to remind the clients why your agency is better...
Dana Said:Motorcycle title/bill of sale, in South Carolina?We Answered:I know that he is gone a lot. But when he is not gone, both of you go to the DMV and the clerk at the window will tell you everything you need to do to buy it today. A supervisor may do the duplicate title while you wait. You can read about the lien at that time. It might take only 5 minutes at the window. Do not go there without your friend. Do not go there with a Bill of Sale and no friend..Antonio Said:Legal help, I...
Wanda Said:math question please help?We Answered:If only the loan is financed, then they need ((0.3)(310,000)) + (100 + 250 + 190 + 275 + 70 + 280) which equals
93,000 + (1165) which gives a total of $94,165 cashCathy Said:What kind of questions can I ask in my survey for my dissertation?We Answered:What does your Bank do to promote prosperity?
What is the effect of high mortgage interest on the economy?
What would happen to the economy if all banks lowered their interest rates tomorrow?
Do insurance companies ever contribute to charitable causes?
Do they ever help uninsured people in trouble?
Do...
Kathy Said:Can someone help in how to protect myself from this "woman", how to move on and protect myself!!?!!?!?We Answered:I sympathize with you...custody battles SUCK! Mine raged on for about 4 years before we were able to work together. Here is my advice:
Take care of yourself. That means, let go of some of this stress. I know as a parent you want to act like a father tiger and protect your young, but there are some things that you just don't have control over. Don't get me wrong...I'm not telling you to give up on...
Veronica Said:Incoterms question DES vs. CIF terms and insurance?We Answered:From my knowlege....
DES does not require the shipper to provide insurance...
DES:
1) Seller is responsible to deliver goods on board on the ship at the port of destination
2) Seller is not obliged to unload the cargo from ship
3) Buyer is responsible to clear cargo & transport goods to his warehouse
CIF:
1) Seller responsible to ship & pay for the freight till goods reaches port of destination
2) Seller IS LIABLE for the insurance of the during the voyage
3) Responsiblity passes over the ship's rail at LOADING portRay Said:What is so bad about buying...
Jacob Said:do you need insurance to transfer a title?We Answered:It is hard to say,call you local agent or do some research yourself by using seach engine,you should get the idea.Donald Said:Do i need a title to transfer my car from Arkansas to Texas?We Answered:clear title, insurance, valid drivers licence and money for the new tags and title, at the time I do no recall the cost....
Colleen Said:buying a car from privet seller in montreal bring it to toronto?We Answered:It will have to be under your name, unless you get a transit plate, then whoever registered it will have to transfer it to you once in Toronto.
The seller only has to give you the registration paper.
Contact the regie if you still have questions, to make sure you have everything when you go there.
Lance Said:Insure my car with a parent as primary driver?We Answered:let me explain insurance fraud, being deceptive, so, its your car, who is primary? (you) get it? first accident you get in, the story...
Melvin Said:Insurance for a "high value" dog?We Answered:Interesting question...I have no idea to be honest with you because I never looked into it. Maybe your homeowners policy, if they have not dropped you because you own a dog that is trained to bite, but, it is something I will be interested to learn about here if anyone knows.
If they are looked upon as property, I doubt the homeowners policy will pay you 15K for a dog.
Hope I helped!
ADD: Realistically speaking...I know of no insurance company that will insure a dog that is worth 20K to YOU.
When I went to Iraq...
Jose Said:how does one go about getting insurance?We Answered:insurance marketing Expert Find the best insurance quotes
http://www.theinsurancegroup.blogspot.co…Adrian Said:Was given a car as a gift but need insurance and new sticker but owner can't find title to the car, what to doWe Answered:The owner should be able to get a duplicate title from their state's DMV office.Bertha Said:Gifting vs Selling a condo?We Answered:Open an escrow and have them order a title policy. It is a little more expensive but now much. A couple of thousand at most. Use a CPA to make sure the tax implications are not going...
Wallace Said:If i meet the conditions of my firm acceptance choice, do i still need to mail results to my insurance choice?We Answered:No you don't. as long as you meet the conditions of the uni to which you have placed a firm offer you do not need to give the insurance uni any results. Once you meet the requirements you should be given an unconditional offer (if you do not have so already)
If you are in any doubt contact the uni where you have placed a firm acceptance and they will be able to tell you more.
hope this is...
Henry Said:loan processor and underwriter?We Answered:The loan processor takes all of the information you have provided (bank statements, W2's, paystubs, etc...) and makes sure that everything is input correctly in the file. Then the file will go to underwriting where they verify the information and make sure it conforms to the lender guidelines. All of this should take anywhere from a day or two to a week, depending upon your mortgage company. Since you are not closing until the end of the month, you are way ahead of the loan process. Congratulations on your new home.Delores Said:I...
Leslie Said:Worried about underwriting?We Answered:we just closed on ours and i was the exact same way as you, just relax and breathe and soon you will be relaxing in your new home! Congrats...
Sergio Said:Could my mortgage approval fall through?We Answered:Just used my VA loan benefits to, there where a couple of glitches but nothing major from what I have read should say congrats on the new home. And in addition Thank you for your serviceWillie Said:Interest, closing cost, PMI, and points?We Answered:Personally without seeing all the information I see the first one as better. The reason being is that as of JAN 1 of this year, PMI is tax deductable. Your payments might be close on both of them, but your PMI will fall off, your rate wont change. ...
Lena Said:I purchased my vehicle in Utah, my financial company paid the dealership in full before they received title?We Answered:In Utah, you don't get the title until you have paid off the loan.Juanita Said:Insurance on a Salvaged Title?We Answered:Most of the major insurance companies will not cover a salvage title car. If you don't need financing you probably don't need comprehensive and collision on a vehicle of that age, only liability. In that case the premium would be the same no matter the title.Vickie Said:how can i get a better deal on insurance?We Answered:Always be honest with your agent on...
Chris Said:In VA, car title & registration are in couples name/now divorced, who's most responsible 4 insurance on car?We Answered:As the operator of a motor vehicle, it is YOUR responsiblity to operate said motor vehicle within the local, state, and federal regulations and guide lines. Having said that, why is the ex-husband holding on to the title? He is responsible for verifing that registration, licesncing, and insurance is mantained. Sounds like someone did not follow through on the divorce decree in reguards to the division of property.Denise Said:Title Insurance on a condo in NH? ?We Answered:Any time...
Irene Said:am i responsible in any way since my name is on the title.like insurance n tags n stuff?We Answered:If your name is on the title you are responsible. Get it out of your name and into his or make him show you proof that he has taken care of all those things before he drives it.Ivan Said:Does it pay to shop for your own title insurance?We Answered:Pretty sure the cost of the policy is standard. You might find a slight variation in closing fee or other fees, but not much. If I were you, I'd just...
Jacob Said:They promise things they cannot possible deliver!?We Answered:They are politicians -so you expect them to really follow through on their " promises"???? A politician will say whatever they think will get them elected and rarely has any intent or interest in following through on their promises. Ken Said:Do we vote for the issues or the man?We Answered:You paint a rosy picture of a health care system that fails millions of Americans and attack the things that have been done to improve it.
I am glad you are satisfied with the status quo but I am not.
There are significant...
Agnes Said:title insurance?We Answered:You pay for it once every time you get a title to a property. It covers the purchase price of the property, if it turns out there's a problem with your title of ownership to the property. Example: Five owners ago, someone forged the name of the seller, and now the TRUE owner wants the property back. Or, the registrar of deeds made a mistake 25 years ago, and your lot that you THOUGHT you owned is actually the wrong number, and your ACTUAL lot is in the middle of nowhere, or...
Dan Said:Pocket bike 49cc Was towed today -Police gave tickets in Arizona?We Answered:I doubt Wikipedia will tell you why Arizona is in the business of towing non-vehicles.
Try http://www.azdot.gov/ and http://www.azleg.gov/ , it is too much for me to read.
Edit: Perhaps the reason I did not come across the Arizona law is because this is regulated by local ordinance. For example, Gilbert and Mesa do not require a license or insurance to ride a pocket bike on private property.
http://www.ci.gilbert.az.us/eservices/po…
http://cityofmesa.org/police/literature/…
The AZ MVD likes to think of the pocket bike, not as a toy but, as an unregisterable *motor driven cycle*...
Margaret Said:If I move from WI to IL, should I register my car and title with the Illinois DMV, and if yes in how many daysWe Answered:get on the illinois dmv website
http://www.cyberdriveillinois.com/
they can probably answer your question thereFelix Said:Is it a law in Colorado that you MUST have auto insurance?We Answered:Yes, liability insurance is required in all US states except New Hampshire. Do NOT drive one inch unless you have insurance. Look at the colorado DMV website for answers to your other questionsLucille Said:Me and girlfriend broke up and she has cars, and wants me to continue...
Veronica Said:How to avoid the insurance company wanting to total your car?We Answered:If the cost of repairs exceed the value of your vehicle it's a total. By law it has to be totaled. If you retain salvage, they will pay you te value of the car less salvage fees. The title will be rebranded as salvage and you can do whatever you want with the car at that point.Debbie Said:What is the Bank of America Flat Fee Mortgage Plus?We Answered:No, I'm sorry that the answer to both questions is that it doesn't really make much difference if...
Jamie Said:when you buy a home title policy insurance for the home owner is important, for what ?We Answered:Everyone should have a title insurance policy on their home regardless if they pay cash or have a loan. An insurance policy will show any liens against the property, encroachments, CCR's, water and mineral rights, exact legal description, plat map to show if there are any issues entering and leaving the property, protect you from someone claiming ownership later, and so much more. It also shows any past tax liens, mechanic liens, etc. So you see it can protect...
Rafael Said:Can anybody recommend a good nation wide independent title search company?We Answered:First American underwrites I think in every state.
I use them more than half of the time.Tara Said:Title search company? Who are they?We Answered:You need to talk to your mortgage holder first and be qualified to take over the mortgage on your own. If you are going with your existing mortgage company you may be able to assume the mortgage rather than having to pay penalties and take a new rate. The company which holds the mortgage should take care of the registration for you and normally this is...
Sally Said:What would happen if a title company did not due a thorough title search and there was a serious problem?We Answered:if you bought title insurance, they repay you up to the purchase price, less the mortgage amount (see below).
however, most folk in America don't buy title insurance for themselves, they only buy it for the lender. [It is required in order to get the loan.]
in that case, the loan is paid off and the owner is [let's not say that, ok?]
***
The way modern title companies work is they get a summary [usually the listing is enough] of every...
Dan Said:Cost of a title search?We Answered:Depends on the title company. There is generally not a set price for it per se, as the search is just a county records search. Typically you will see a cost from $75- $150 for it though.Edwin Said:what is the cost of a title search?We Answered:that depends on where is the house located and the cost of the house, but avg. $300 to $500 good luck.Sarah Said:Accounting: Title Search Fee part of Cost of Land?We Answered:Yes, it will be capitalized. Search fee is paid to establish that the land legally belongs to...
Marilyn Said:How much does a proerty tile search cost?We Answered:Title searches can vary from a simple Owners and Encumbrances (O & E) search which costs from $70-$120 depending on the county and state your propery is in. For a full title search the cost varies from $150-$300. A title search is not the same as a title examination. A title exam is when an attorney or representative from a title company studies the chain of title after the searches have been conducted and makes a determination as to it's marketability. This can cost between $150-$300 on...
Christian Said:Can I do a title search of a property online?We Answered:Both the original mortgage(s) and the Foreclosure complaint are public record. Go down to the county property records (usually at the county clerks office or the registrars office) and ask for the mortgage on that property.
Then you can go to the copunty courthouse and look up the copmplaint that would be listed with the lender as Plaintiff and Borrower as Defendant. Hugh Said:How much does a title search cost on vacant property?We Answered:The cost (premium) of title insurance is based on the sales price. If there...
Alberto Said:Letter writing Format?We Answered:All this attention to detail.....I personally don't see anything wrong with your letter. It meets all the requirments that a formal letter should have in terms of language. One little mishap shouldn't make it null and void.Wendy Said:I am looking to buy a 2003 LS sport cavalier with a rebuilt title, what do you think?We Answered:You should also consider that such a car may be expensive to insure. Check your insurance rates before buying one, for example here - carquotes.fateback.comTommy Said:Being charged for a wrecked rental car, no insurance?We Answered:I am not paying more than what...
Jordan Said:Corporate leased car for small business.?We Answered:You have the car insured on a personal auto policy, right? But it's leased to your business. That means, your business is liable for any accidents. Does your business have any insurance to cover the car accidents?
You cannot add a corporation as named insured, or additional named insured, on a personal auto policy. Did an attorney write up the lease, leasing the car from you to the company? Who does the DMV say is the lessor of your car? Your business, or are the plates in your...
Chris Said:Is mortgage protection or insurance possible if person deceased is not on mortgage?We Answered:your mother was talking about life insurance I presume. but if she left you no details then it is not worth much.
go thru her checkbook until you find it. she had to pay a premium to someone. sometimes these are paid once a year so it might take a while to find it.Cody Said:i have to make a speech and i need to know what type of people would i solictate for a title insurance company?We Answered:If you live in a large city, check...
Anne Said:What are the similarities between religion and insurance, bad title, please read, there is more to my que?We Answered:I agree. Faith does seem to be an insurance policy to many. It seems you can do any evil and, as long as you repent, you are saved. So Ghandi is in Hell and Hitler perhaps in Heaven. I just can't buy that.Diane Said:Property damage clause on car insurance?We Answered:Be careful with some of these answers, because some of the coverages they're telling you to use you might not have. As you've been told, the state of...
Myrtle Said:Have u seen Ron Paul's HR 1495 the `Comprehensive Health Care Reform Act of 2009'? Full text below?We Answered:a tax credit for what i not my employer spends on health insurance and a hsa or flex spending account that actually carries forward that i could use. the only reason i do not put money in the flex account at work is that it is lost if i do not use it and as a single man with no dependants on my insurance i can not count on spending it every year if it could build up until i...
Lester Said:is my language used by media to fuel alienation of foreigners?We Answered:You sound paranoid.
My best friend growing up was Polish.
I respect the Poles as a great people.Gwendolyn Said:Why don't wrestling companies provide health insurance for their talent? (Wrestling Survey inside - 6 Q's)?We Answered:Main Question:
WWE provides health insurance for its wrestlers, as does TNA... and the money that they get paid is also substantial enough to cover the smaller stuff that doesn't get covered. HOWEVER, smaller companies like ROH, CZW, JAPW, etc. don't sign their wrestlers to contracts which are binding, therefore they can't afford to give them...
Don Said:Does this VA streamline refinance offer make sense or seem right?We Answered:Origination charge seems way high to me but using the new GFE it includes appraisal, credit report, flood cert, tax service, etc. but still seems too high for that loan amount. Why are you using a broker instead of going directly to the lender? All in all you have to figure that your closing costs also include your first month's mortgage payment to the new lender & most likely 2nd 1/2 taxes for this year that you don't need to worry about. It doesn't sound...
Eva Said:My dad is ruining the image of what a husband should be. Paitence required to read?We Answered:Oh, get a grip.
The idea that all men are identical to each other in every way is so obviously stupid, I don't see why you're so attached to it.
Losing one's job, when that's one's identity is really hard on a person. Looking for work and not finding it is one of the most depressing experiences there is.
As for food, why not keep lists of specific things that are needed in the house, and see if you can talk him into going to the...
Misty Said:Can I get my car registered without a valid license?We Answered:If the car is registered in your name, you must carry the insurance.Phillip Said:How to dispute a drivers license reinstatement fee in Virginia?We Answered:They're counting on you knowing that it's easier and cheaper just to pay them the $85. If you're resolved on the principle enough to spend more than that, you could hire an attorney to fight it out, but you'll end up spending at least a few hundred.Neil Said:Questions regarding my car when moving to Virginia. Husband is in the Navy.?We Answered:You will be considered a resident...
Jessica Said:what should i do from here? (auto accident/ insurance issues)?We Answered:Okay, bottom line is whoever owns the car (has the title) is responsible for the insurance. You can't insure something you don't own or have a vested interest in. It's called "insurable interest". Otherwise, I'd get a policy on my neighbor's punk kids and collect a check every time they wreck.
Your friend purchased insurance on the car, without owning it. So, when the insurance company discovered this, they canceled the policy and will give her back whatever she has paid for the insurance.
If you weren't at fault...
Patricia Said:Can we apply common sense to Obama’s campaign promises.?We Answered:If your not a democrat, don't try to make sense out of it .We believe because it is possible..you don't because you have no vision. You hoard when there is enough ... You pay little and want more because you think you are entitled... republicans are born greedy,afraid and paranoid. By no choice of yours ,you are born that way.Jesse Said:Can we just vote the issues?We Answered:Most people are not smart enough or too lazy to understand what you have said. They know that someone is saying he is going...
Rose Said:Title Insurance question?We Answered:In the part of Texas I live in it is very normal for the seller to pay for Title Insurance. It provides proof that the seller actually owns the house free and clear with no clouds or title problems. If a long lost child comes back and insists that they should have inherited the house, it is the title insurance company that is responsible for challenging that claim in court and paying off the claim if needed.
Just like car insurance or health insurance you do not get the premiums paid back.
************************
Also two more things....
Allan Said:What is a rebuildable salvage title and what does it mean?We Answered:It means it was involved in an accident, and while written off by the insurance company, it wasn't damaged so severely that the state decided it should NEVER be allowed back on the road.
Its value will be less than a clean title.Brian Said:How much will the insurance company give me back for my car?We Answered:First of all insurance co. will not fully cover a salvaged titled car.
If you happen to be lucky enough to have a insurance co. that would be dumb enough to fully cover a salvaged...
Paula Said:What does a Salvage title mean when talking about cars?We Answered:a salvage title means that the car is considered un-fixable. usually by the insurance company. it is cheaper to replace the car than fix it. but then someone decides to fix the car anyways. the title will indicate it has been salvaged.
what this means to you as a buyer is RUN! unless you have very little cash and very bad credit and the car is under $500. then stay away. they will just give you problems.
also it doesn't have to be wrecked. it could be engine or...
Marcus Said:What is Title Insurance? Moreover, what does it promise?We Answered:It's a bunch of crap if you ask me.
If someone unbeknownst to you enters a valid claim for title to your property (and thus has legal grounds to take your property), the title insurance will pay you for your loss of property (or pay the bank).
For example, if native americans make rightful claim to your property because your land is on native american burial land (or insert crazy excuse) that was never meant to be proffered to others and you lose your land/property because of it --- title insurance to...
Harvey Said:Realtors please help!?We Answered:Stop calling the escrow office and call the title company. Make sure you have the title officers name that handled your title transaction. Customer Service at the title company should be able to assist you in getting the title report.
More than likely all you would need is the address to the property. You might want to tell the when them transaction closed at this title company. You should be able to find this date on the final HUD closing document.
You might ask this title company if there is a problem.
I hope this has been of some...
Elizabeth Said:Title Insurance when there is a wrongful foreclosure?We Answered:OK. Lets see. If your house is foreclosed because of unpaid taxes from a previous owner and the title company insured that they had been paid- yeah, they would help you fix that- but they would have fixed it way before the foreclosure happened.
If you are making your payment and the mortgage company forecloses on you because they think you have not made your payment, your argument would be with the mortgage company.
Maybe you are asking about mortgage insurance- that is normally much more misunderstood than title insurance,...
Priscilla Said:Got a FHA loan. Q about Taxes and Insurance?We Answered:I can answer this question very clearly for you. I have done many FHA loans over the years. You are talking about 2 different insurances. The FHA insurance is insurance that covers the lender in case you default on your loan. It has nothing to do with protection for the home. FHA requires that you have this insurance, the only way around it is if you take a term for less than 15 years and have at least 20% down. The other insurance is...
Jim Said:My son is suing me for $15k because I will not sign the title back to him for the car he paid for, will I win?We Answered:Sounds like you are a *****, and yes he more than likely will win, if the judge also thinks your a *****.Martin Said:Can someone explain deeds?We Answered:A deed is nothing more than a piece of paper used to convey title. It's like the title certificate to your car. You fill it out and sign it to transfer the car to another person.
The ONLY difference between a quit claim, and a warranty...
Sue Said:Should I take this offer? What counter offer should I give?We Answered:I'm confused why you would sell a place for $53k when it has a $77k value. Seems to me the value is only as much as you can get for it.
As for the offer, there really isn't enough information and I doubt you could supply that to us. We'd need to know exact market conditions in your area, how risk adverse you are, what other offers you've gotten, how long it's been on the market, what comps in your area have gone for recently, how...
Leslie Said:what is ivr, not the ivr for phones, ivr related to title insurance?We Answered:Title insurance is normally purchased for real estate. This is Automobile insurance and registration. Ask in the proper Y/A categorySarah Said:Relationship ended, bth name on title. Insurance cancelled, she is still driving no insurance. Need advice!?We Answered:I had the same problem when my ex and I split up. The police wont do anything, I tried. You could call the company that holds the lien and they will put insurance on it. It will be really expensive, $100's/ month, but at least...
Marilyn Said:Sold our house, title company paid off our investment property by mistake. What now?We Answered:The title insurance is on the hook for the mess it made. I would advise you to seek legal council. See a real estate attorney right away.Hilda Said:I need information about transferring the title of the house I am buying.?We Answered:One thing to keep in mind.
If this owner is having financial troubles, they could stop paying the mortgage.
The bank could foreclose on the home, and you will be forced out of the home.
Please, please get a real estate attorney to draw up all the legal...
Monica Said:What does Title insurance cover and does it help me, the buyer?We Answered:I can only add a little to what has already be said in other answers, and perhaps just put some of the same things said in a different light.
First up, Title Insurance is required by all lenders. Its their indemnity policy to protect them against loss.The fact that the insurer issues a policy to the lender who requires you to foot the bill indicates that the title has been searched. But no title search is 100% reliable.
Title insurance protects from claims arising prior to the date of...
Jill Said:Who legally owns the car, the person who pays for it, or the title holder? Detailed?We Answered:You own it!! Whomever the title names is the owner no matter who paid for it and how. Believe me I know from past experience-Hold your own. Good luckSusan Said:Title Insurance & Increased Deposit?We Answered:title ins is paid by the buyer, but with the market is sellers are now offering to pay those closing costs and extras too. It is to be paid at close of escrow.Claudia Said:who typically pays for termite inspections? title costs, etc in reisdential home sales?We Answered:It's always negotiable,...
Claude Said:How to purchase a car out of state?We Answered:I am in FL and sold a car to a couple in AL. The husband came down to purchase the car with a pre-approved loan that was only in the wife's name. We thought he was an idiot, but just sent the paperwork with little "sign here" tabs where she could sign and mail the paperwork back. You need to take a very clear and enlarged copy of the driver's license to the dealership of the person purchasing the car. The dealership will want a credit application...
Victor Said:How can I have a vehicle with a regular title without insurance? Read On!?We Answered:Well, it it happened to catch fire you'd know why it's a good idea to have coverage on it, running or not. But to answer your question, you need insurance because you went to the ultimate authority, the DMV where ever it is you are to transfer the title, and they said you couldn't without making it a salvage title.
So, why do you need insurance? You don't if you get the salvage title. If you want to keep a clear title, you...
Jeffrey Said:why do i need insurance to transfer a title to my name or register a motorcycle?We Answered:Here in Cali, your motor vehicles need to be registered (The state loves the money), and to register your vehicle insurance is required. The only way around this is to register the bike as "non-op", which means it can't be ridden.
Who cares how you look on your bike? The question is do you like it? If yes, Great! If not, sell it and get one you like....
Lorraine Said:Why does the seller buy the buyer title insurance?We Answered:Title insurance protects the seller.
When you sell property you normally give a deed. With this deed you make guarantees to the buyer. If there is a flaw in the chain of title they would come back to you to clear it up. The title company would step in for you.Carol Said:What is Title Insurance and why do I need to spend $1,000 on it?We Answered:This will guarantee there are no old liens on the property, and old property taxes are paid.
Without it, you could...
Erika Said:INSURANCE... 18, and in wisconsin?We Answered:Title 19 is welfare, also called Medicaid. Here is the WI Medicaid website for information: http://dhs.wisconsin.gov/MEDICAID/Steve Said:How much does a "rebuilt title" impact the resale value of a used motorcycle?We Answered:Any time a bike has been totaled out by an insurance company it means there were serious problems that may or may not have been correctly repaired, rather than just cosmetically fixed.
Also, if it has been totaled by one insurance company, yours may refuse to insure it.
Unless you're getting a great deal on the bike ... well, I'd at least have a bike mechanic...
Fred Said:workers’ compensation?We Answered:Are you talking, like Ohio??
An employer can't "elect to not come under state law". That's like saying, "ok, I elect to not come under the murder laws".
If the employer does not wish to assume the risk of workers comp in that state, the way to AVOID that risk is to not hire any employees in that state, and not have any operations in that state.
There are no alternatives. I've insured very large accounts with exposures in monopolistic states like WA and OH. They self insure for the states that allow it,...