#and then when I get home and am just trying to do routine repairs (tape) to my Chromebook it fucking fell apart and I had to jam everything

[hopalongfairywren]

okay well there goes any motivation I had

[darkficsyouneveraskedfor]

the webs we weave

For @jitsukawaa as requested for a Raffle prize!

Warnings: noncon/dubcon elements (oral, intercourse)

This is dark! (aged up) Peter Parker x Reader and explicit. 18+ only.

Summary: The reader is a journalist at The Bugle but she finds not all her co-workers are what they seem.

Note: This is a bit of a long one but I got a bit carried away. I tried to fit the request as much as I could. Anyway, hope y’all enjoy. Leave some feedback, like and reblog if you can <3

Another late night. Those were common as of late. Early mornings, too.

Given the content of your days, the stories, it was expected you’d be sleepless. A string of assaults across the city. All of them women. The perpetrator, according to the limited input of the police and the hesitant interviews of the victims; a man, masked, faceless. The descriptions varied, skewed by fear, by trauma. Neither you or the authorities had a concise picture of the suspect.

The first few incidents were reported by a senior report, Colin Rusk. But once the novelty ran dry, Editor-in-Chief Jameson, redirected Rusk to ‘more pressing’ stories and dropped the serial assaulter in your lap. 

You were new with little more under your belt than lifestyle articles and the occasional fluff piece on fleeting fads. Your inexperience made it difficult, if not impossible, to say no. And despite your resilience, your ongoing investigation, the cases would likely go cold and be shoved to the back of the paper until there was no room left for them. Your singular goal was to prevent that cynical end. Making your name as a reporter was secondary.

That morning, you raced down to the latest crime scene. A woman, blonde like most of the others, sat with her legs hanging out of a police car as she gave her statement. Visibly shaken and with bruises on her face, she was just the latest in a string. You’d not be permitted to speak with her until the police took her to the station and filed their report. For the time, you documented the scene as it was.

You were pulled back to your desk. It was almost as if you could still feel the dampness in your bones. It rained overnight and the streets had been slick and shiny in the afterglow. You pored over your notes, the little diagram you’d drawn of the alley way. The minimal details gleaned from the officers on sight. It was all so grim. And sadly familiar.

The attacker had a pattern; a demographic. Lone women, unsuspecting, vulnerable. Blonde, or light brunettes, small enough to be overpowered. You sighed and rubbed your eyes. There were thousands of women fitting that description in the city. Impossible to predict the perpetrator’s next move when it could happen anywhere.

You closed your eyes and leaned back. If the police couldn’t solve this, you surely couldn’t. But that didn’t mean you stopped. It didn’t mean you quieted the voices of the victims as so many others had. No, you kept going. Kept writing their stories down.

You were jolted as a folder slapped across your desk. Your eyes shot open and you looked up into the warm brown eyes before you. Peter mirrored your fright and gave a nervous smile. He pulled his hand away from the folder he’d just laid before you.

“Sorry, I thought you heard me,” He said. “I figured I’d give you a print of the photos I got this morning.”

“Really?” You reached for the folder and peeked inside at the glossy paper. “Thank you.”

“No problem.” He preened. “Jameson won’t want them anyway. Just the ones of the fire on the next block.”

You nodded and set the folder down with your notes. You ran into Peter by chance. He was passing by on his way to his own assignment. He stopped and snapped a few shots, made his usual awkward small talk, and moved along. He’d only been full-time at the Bugle for a year; before he’d been a freelancer throughout his schooling. He was a kid, even compared to you.

“Jameson doesn’t even want this,” You scoffed at your messy desk. “I swear, he’s just trying to force me out. I mean, I guess it’s better than writing about the mayor’s new wallpaper.”

“Jameson��s an idiot but you’re a good reporter. Besides, the Bugle is just your beginning. I know it.” He smiled. He was always so optimistic. It made you feel old.

“Easy for you to say,” You shook your head. “I’m almost thirty and just starting out. You’re still a kid and...Sorry, Peter. I’m just frustrated.”

“Hey, it’s okay. I might be young, but I know how you feel.” He leaned on your desk. “You know, everyone thinks I’m a kid and they just don’t take me seriously but I’m not, you know, a kid. Age is just a number, not a deadline.”

“Peter, I didn’t--”

“I know you didn’t mean it like that. You’re not one of them.” He shrugged and pushed himself straight. “Not like Rusk.”

“Rusk?” You wondered aloud. 

The man was stern, business-minded. A tenured writer. But you’d never had much issue with him yourself. In fact, he’d been most helpful in your early days at the Bugle. You might be picking up his scraps but it was far better than writing a tenth of a page on a dog show.

“Yeah,” Peter blinked at you. His smile changed, as if he knew something you didn’t. “Oh, alright.”

“What?”

“Nothing.”

“Peter.”

“Well, I...you’re not that naive, are you?” He asked.

“Am I? What do you mean?”

“Rusk never worked for his job, he’s the son of an old friend of Jameson’s. He came on full-time with top billing from the start.” Peter lowered his voice, cautious even though the office was empty.

“Oh, but...I mean, he’s still a good reporter.”

“Good but not entirely...professional.” Peter scoffed.

“Do I sense jealousy?” You teased.

“Me? Jealous of him? No.” Peter’s smile fell. “I’m doing just fine and the Bugle definitely isn’t it for me. I’m starting school next year and then one day, I’m out of here. I don’t wanna be a camera jockey forever.”

“I don’t know, this might be it for me.” You said. “A little late to be starting over a third time.”

“It’s never too late. Just don’t let yourself get sucked in by Rusk and his cronies.” Peter urged. “They’re no good.”

“Thanks, Peter.” You said lightly. 

“Really,” His face darkened. “I mean it. He has...a record in this office. With the women. And I’ve seen how helpful he is with you.”

“Peter, it’s not--”

“I know, I know, I’m young, clueless,” He raised his hands defensively. “I get it. Just...advice. You don’t have to take it but it’s there.”

You nodded and tapped your fingers on the folder. You thought for a moment on your work with Rusk; his insistence that you take over his story; the way he offered to proofread your back page drivel. Peter might be young, but he was smarter than his age belied. There was nothing wrong with being cautious.

“Thanks, Peter,” You flicked the corner of the folder as you looked up at him. “These will help a lot.”

“Really, it’s nothing.” His smile resumed. “Let me know if you ever need a lens. I’d be more than happy to help.”

“You’re too sweet.” You said.

“And you’re too humble.” He tucked his hands in his pockets. “And it’s late so...I’ll leave ya to it and see ya tomorrow, maybe?”

“Yeah, maybe,” You chimed. “See ya, Peter.”

“See ya.” He slowly backed away. “Oh, and let me know if Rusk gives ya any trouble.” He gave a comical flex. “I got your back, newbie.”

You laughed and he did too before he turned away entirely. You turned back to your desk and sighed. How was it that he made you feel young and old all at once? You shook off the cloudlike feeling and grabbed the folder. You’d go through the photos and call it a night. Hopefully, the morning wouldn’t bring a new victim.

🕷️

Your door was open. The chain was snapped and the lock busted in. Worse, you hadn’t even heard the disturbance. Hadn’t even sensed the intruder as you slept in the next room. A rude awakening as you got up and found the door ajar but your apartment otherwise undisturbed.

You called the police and waited in the hall. When they arrived, they asked you their usual questions, the same they asked the women you’d been documenting. Then they investigated you apartment. Nothing was out of place; nothing taken or moved. It was all very peculiar. Almost, the insinuated, as if nothing happened.

When they left, your landlord arrived. You stood by as he called the maintenance man and a locksmith. By the late afternoon, your door was repaired but your wits were fractured. Weeks spent tailing a monster had you paranoid. In your overwrought mind, you wondered if perhaps their attention had turned on you. It all felt too circumstantial. Too farfetched.

You locked yourself inside and submitted your write-up from home. You spent the night on the couch, sleepless, listening for any movement from the other side of the door. Nothing. Exhausted and nervous, you fixed your coffee and dressed. You set off for the day, though the sound of your lock sliding into place gave you no reassurance.

There was another assault. You spent five minutes at the office before you were back out on the street. This one happened only a block from your building. Was that another clue? A confirmation of your outlandish suspicions. You shrugged it off as you came upon the police tape; the scene all too familiar.

You went through your usual routine. Rebuffed by the police as you examined the sight for any clue. Listening to any morsel that slipped carelessly from officers and onlookers alike. You finished your notes and tucked them in your bag. You took one last look at the dumpster, the shadowy fire escape, and the cracked pavement. The image was burned in your mind. An omen of your new fear.

When you returned to the office, you were shaking. You didn’t realize it until you were sat at your desk with your bag in your lap, staring at a dead screen. The voices and typing all around you buzzed in your ears and you shuddered as you hugged you leather bag to your chest. The bright fluorescent bulbs burned your eyes and it felt as if they were watering.

“Hey,” You snapped your head up as Peter greeted you. His face was creased with concern. “You okay?”

“Ye-yeah,” You stuttered and let your bag slip to the floor. You kicked it under the desk and hit the power button of your computer. “Just...thinking.”

He didn’t look convinced. “I didn’t see you yesterday.”

“I...had to take a personal day.” You signed in and shuffled through the papers on your desk. “I’m here now, though.”

“Are you?” He asked. “You sure you’re okay?”

“Fine, just...it’s a heavy story, ya know? Starting to get old.” You bent down to reach into your bag blindly, awkwardly craning your head up above the desk as you fished around.

“Hey,” A voice had you sitting up quickly. Peter’s eyes narrowed as you turned to Rusk. He wore his usual striped button up and skinny tie. “You rushed out this morning. I didn’t get a chance to ask you how you were?”

“Hmm, I’m f-fine.” You stuttered. “Just fine.”

“Yeah? Heard about the break-in. Scary stuff.” He put his hands on his hips. “You need anything, to talk, an escort, let me know.”

“Really, I’m fine.” You insisted. You glanced between Rusk and Peter; the latter watched you closely. “It was nothing.”

“Well, just know, I’m here for you. Whatever you need.” Rusk winked before he turned away and you watched him stroll back to his office. 

You sighed and looked to Peter. His eyes were on Rusk’s door. You’d never seen him anything close to angry but he scowled dangerously after the writer.

“Break-in?” He said as his eyes drifted back to you. “Why didn’t you tell me?”

“I...I don’t even know how he found out,” You sniffed. “Really, the police didn’t even take it seriously. There was nothing stolen, they didn’t touch me. I don’t --they think it was a drunk or something.”

“It doesn’t matter. You should be safe.” Peter insisted. “Look, I don’t blame you for turning away his offer, guy’s kinda a skeez, but let me walk you home.”

“I take the subway.”

“Then let me ride with you.” He said. “I know I don’t look like much but it’s better than being alone.”

“Peter, you don’t have to--”

“I want to.” He asserted. “Just humour me.”

“Why?”

“Because...we’re friends, aren’t we?” He asked. “Haven’t got many of those around here.”

You considered him and leaned on the arm of your chair. “Yeah, we are, Peter.” You grabbed your mouse and looked to your screen. “I hope you don’t mind staying late.”

“I’m a night owl,” He assured you. “Have to be in this line of work.”

🕷️

Peter was true to his word and waited for you until well after office hours. You were quiet as he walked you to the station and sat with you on the train. He didn’t hide his glances over his shoulders and his fleeting eyes, as if he expected to catch your intruder then and there. It was almost endearing.

You were tired. You needed sleep and were ready to doze on the train. Peter nudged you awake at your stop and followed you out onto the platform. He let you lead him up the steps to the street and you stopped at the corner.

“I think I can handle it from here,” You said. “Building’s just across the street.”

“No, I insist. For my peace of mind, please.”

“Peter.”

“What’s a few more steps?” He prodded.

“What if I’m worried about you getting home?” You teased. 

“I don’t live far.” 

“Still. It’s late.” You chided. “You didn’t have to come all this way.”

“I did.” He said. “I’ve been out much later than this.”

“Ah yes, I forget. Youths.”

“I’m not much younger than you.” He insisted.

“Young enough.” You remarked. 

The street light glared in his eyes. For a moment, you were taken aback. The way the shadows cast his face. The innocent boy looked almost sinister.

“I’m an adult. I can take care of myself.” He said. “So let me walk you to your door.”

“Alright,” You relented. His tone was disconcerting. So unlike the carefree upstart. “Come on.” 

He walked with you across the street and you bit your lip. You could feel the tension rising off of him. Was he mad at you?

“Peter,” You turned to him just in front of your building. “I’m sorry if I--”

“Sorry?” He looked genuinely confused. “For what?”

“Uh, nothing.” You shook your head. “I’m tired. I thought--Thank you. Really, I feel a little better.”

“Not at all,” He smiled. “You good?”

“Yeah,” You replied. “Good night, Peter.”

“Night,” He said sweetly. “Just…” He hesitated before he could step away. “...remember that you’re not alone.”

“Yeah, thanks,” You nodded and took your keys from your pocket. “See ya.”

You listened to his light footsteps recede as you unlocked the front door. Inside, the elevator bore a staunch out of order sign. You grumbled and headed for the stairs. Ten floors up and you were out of breath and even more exhausted.

Your lock was still in place. That was slightly reassuring. Inside, it was dark and you didn't bother to flip the light. Too tired despite your paranoia. You dropped your bag as you neared the bedroom. There, you flipped the light switch and felt an unusual breeze across your front.

The window was open. The curtains stirred as the air washed in and your heart clutched. You rushed over and slammed down the window with a defeaning bang. You twisted the lock into place and turned back to the room.

Your top drawer hung precariously from your dresser. Your panties were messed, as if they'd been rifled through, and you felt the bile in your throat. 

You ran back into the front room and turned on all the lights. Nothing else had been touched. It all stood as you left it and no other sign of your intruder remained. Not a speck of dust out of place.

You searched high and low; in each closet, beneath the furniture, even behind the shower curtain. Nothing. You were alone, but you didn't feel it.

Should you call the police again? Let them laugh at your paranoia? As it was, you were certain they'd tossed away their last report. 

You went to the kitchen and grabbed a knife. You sat on the couch and pulled your knees to your chest. You hugged them as your eyes flitted nervously at each shadow. The knife shook against your leg as you counted the minutes until daylight.

🕷️

The morning saw you at the office, bleary-eyed and baffled. The night seemed a haze to you; dreamlike and distant. Before you was the final draft of your latest article on the city's terrorizer. The words were real, the events real, and the letters read bolder than before.

Your habit of spacing out at your desk once more had you jumping in your skin. Colin Rusk stood beside you. His grey-blue eyes peered down at you as he clicked a pen casually in his hand.

"You got a moment? Need to see you in my office." He asked but it wasn't a question.

"Sure," You stood and he reached past you. He leaned so close you could smell his cologne as he snatched the article off your desk. 

"I'll take this." He spun with the papers in hand and led you across the office. 

You glanced around as you walked between desks. Peter's brows were high on his forehead as he watched. He frowned and you turned away to follow Rusk into his office.

He closed the door after you. He waited for you to sit before he did. When he faced you, he was nonchalant. He dropped your article on his desk and smirked.

"You've done some good work." He said. "You should really be proud of yourself."

"Uh, thank you." You gripped the arms of the chair. Tired. Ready to keel over.

"Really. You're coverage is thorough and compelling. Riveting…" He huffed as he smiled piteously at you. "You're a good writer but this story isn't going anywhere."

"No…" You breathed weakly.

"Jameson wants it cut. Three months and no leads. Police are close-lipped as nuns."

You frowned. You couldn't help your disappointment.

"But I've got you a new assignment." He announced. "A grassroots movement in the ghetto. Silent protests. Real underground."

"Really?"

"As long as you don't mind sharing. It's kinda my story but I could use a hand." He offered. "That sound okay?"

"Y-yeah." You smiled. "I'd love--" 

His phone chirped and his brow arched. He grabbed it and checked the screen. He shook his head and slowly stood.

"Pardon me. Jameson." He waved his phone. "Right back."

He rounded his desk and passed you. You watched him go then sat awkwardly in his office wringing your hands. Your eyes bounced from corner to corner. Awards framed on the wall, a plaque on his desk, fancy pens and a leather folder. 

His bag sat on the table against the wall. Unzipped and on its side. Papers threatened to spill out and a shock of cornflower blue. You tilted your head at the familiar shade. 

You peeked over your shoulder. The door was open a crack but you saw no movement on the other side of the frosted glass. You stood and cautiously neared the table. You looked again. Nothing.

You lifted the bag to peer inside and ripped your hand away. It was as if you'd been bit. Those were yours, at least they looked like yours. You shook and heard footsteps near the door. You lifted your head and pretended to read the framed certificate on the wall as Rusk entered behind you.

"That was my first year here," He preened as he neared. "I'm sure you'll have one of your own soon enough."

"Uh, yeah," You stepped away from him slowly. "Um, can I... think about it?"

"Huh?" 

"Sharing the assignment."

"Sure. Only a day though. I, rather we, have a deadline," He reached out and pulled a string loose from your sweater. "That enough, sweetheart?"

You watched his hand a nodded. You bristled on the nickname and backed away. "Anyway, I'll let you get back to work." You sidled along to the door. "Thanks."

"No problem," He purred. "This could be it, you know? You're big break. Your name next to mine."

"Mhmm," You skirted out quickly and closed the door behind you.

Peter was at your desk. You didn't notice at first and stopped yourself from sitting in his lap. He watched you curiously. You held back a yawn and leaned against the desk.

"Peter." You crossed your arms.

"What was that about?" He asked.

"Just…my assignment got pulled."

"Oh?"

"But Rusk offered me a new one. Dunno if I should take it." You played with your mouse.

"Sorry, I'm in your seat." He made to stand.

"No, no, it's fine." You waved him off. "I don't really have anything pressing, do I?"

He considered you a moment as he swiveled in your chair. He stopped and sat up. "You okay?"

You blinked. After a moment, you nodded. You pushed yourself off the desk and rubbed your forehead. "I gotta use the restroom."

You walked away hurriedly and almost tripped over the loose laces of your heeled oxfords. You quickly hid yourself inside the restroom and tried to rein in your reeling nerves. You were crazy, you had to be. 

Rusk definitely hadn’t broken into your apartment. That was ludicrous. Maybe it was a pocket square or a random sock. It wasn’t your panties. That was just...creepy. You were just paranoid.

You couldn’t believe entirely in your own delusion but you had to push it aside. You had work to do, albeit not much. You breathed shakily and swallowed down your anxiety. Just be normal. Just relax. Act like it was nothing and it would be.

You pulled open the door. You almost crashed into Peter as you stepped into the small hall between the restrooms and the office. You caught yourself against the wall.

“Woah.” You squeaked.

“Sorry, I...just wanted to make sure you were alright.”

“Yeah, yeah, I’m...just disappointed.”

He narrowed his eyes. He didn’t look so innocent anymore. He looked as if he could see right through you. “What is it?”

“It’s nothing.”

“I know you think I’m blind but I can tell when you’re upset.” He prodded. “I swear, mum’s the word.”

You sighed and looked out into the office. You turned back to him and pointed down the hall. You sidled along with him and lowered your head. Your stomach flurried wildly as you mustered the words. How could you say this? You’d sound crazy.

“I think you were right about Rusk,” You kept your voice soft. “He...He offered me to share an assignment but I don’t think he really cares about the story.”

Peter blinked. An exaggerated bat of his long lashes as he huffed. “I won’t say it.”

“I know, you told me so, but Peter…” You looked over your shoulder before you continued. “Peter, weird things have been happening. Last night, after you left, I went upstairs and...my window was wide open and...I don’t know. My dresser-- someone was there. Someone broke in again.”

“Did you call the cops?” He asked.

“No, I-I was embarrassed. I thought...when I called them the first time, they were laughing at me. They thought I broke the lock myself, I know it.”

“You should’ve called them.”

“Why? So they can mock me?” You caught yourself before you could raise your voice. “Look, that doesn’t matter what matters is...I think it was Rusk. I mean, it’s stupid but, I think he has...something of mine. Something that would connect him to the break-ins.” You gulped. “The more I think of it, the more I think of how he passed this story off on me about all these attacks, I wonder…” 

“You don’t think it’s him?” Peter asked.

“Of course not. I just think, maybe, he...might have gotten an idea or two.”

Peter’s eyes were wide. He looked as frightened as you felt. “Can you confirm that what you saw, that what he has is really what you think it is?”

“I didn’t notice it missing but I didn’t really look. I was too scared.” You confessed.

Peter’s jaw set and his eyes darted down the hall. “I’ll walk you home again and we’ll see if you’re right.”

“You don’t have--”

“I do. Don’t you realize how dangerous this all is? How do you know you won’t walk in and catch him in the act? Or maybe he decides to visit while you’re home?” He gently touched your elbow. “You’re leaving on time tonight and I’m going with you.”

You scratched your head and looked away. You were embarrassed. You were being comforted, protected even, by this boy. Well, maybe you should drop the ruse. He was braver than most men you knew. And he was technically an adult and you really weren’t that much older. That became even more obvious when he was with you.

🕷️

The subway ride was long. Silent and tense. You fidgeted beside Peter, embarrassed and reassured by his presence all at once. He sent you small glances; stifled smiles meant to calm you. But they only served to remind you of why he was there.

Up the concrete steps and across the rush hour street, you had to stop at the front door of your building to catch your breath. Your chest felt as if it was being crushed.

Peter patted your shoulder and said softly, “It’s okay,” and you carried on.

Your apartment door still bore signs of the previous break in. The new lock was shiny against the flaked paint and torn wood. You slid your key in and turned. You opened it slowly as you peeked inside, certain you’d find your tormentor within. Nothing.

Peter followed you in and chained the door behind him as if to assuage you. You looked away ashamed. “I’m crazy, aren’t I?”

“No.” He said. “I don’t think so. Just scared, and why wouldn’t you be?”

You nodded and turned away from him. Warily you walked across the front room and glanced around. Nothing seemed out of place. Peter followed closely as you neared the short hall that led to your bedroom. You spun back to him. 

“I’ll go see if--if I was right.” You stopped him. “Wait here.”

“Wait here? Shouldn’t I--”

“I’ll scream if I need you.” You replied. “Okay?”

“Of course,” He relented. “I’ll be here.”

You left him there, a concerned furrow in his brow. You entered the bedroom, the dresser drawer was still open but the window was locked and in place. The sight reassured you. You slowly walked across the room and stopped before the drawer. 

You sifted through the messy contents, your hands growing frantic as the cornflower panties were nowhere to be found. Next you checked the hamper, maybe you’d worn them that week. They weren’t there.

You stumbled back out to the hall numbly. You felt hollow and worn. You caught yourself on the wall before your legs could give out.

Peter was by the coffee table. You watched as he reached for the knife you’d left there and he lifted it to the dim light peeking in through the windows. He turned to you with a question curled in his lips.

“It’s not there...he took it.” You pushed yourself straight and stepped fully into the room. “I can’t believe--It can’t be, Peter.”

“But you do believe,” He said and he turned the knife in his fingers. “You must. I mean--” He gestured to the blade. “You wouldn’t be so scared if you didn’t believe.”

“Should I call the cops now?”

“You could but...You’ve corrupted the scene, right? It’s been what? A day?” He set down the knife and sighed.

“So what do I do? I--Jesus, why am I asking you? You shouldn’t be dealing with all this.”

“I wouldn’t be here if I didn’t want to deal with it.” He assured you as he neared you. “There’s only one thing you can do. You have to wait for him to try again.”

“What?” You reeled. “What if--”

“With me.” He gently reached out and took your hand. He squeezed it as he spoke. “You can’t stay here. Not alone. So either you come stay with me or I’m staying here, but I can’t let you be alone.”

“Peter, you’re too nice. You shouldn’t--”

“But I am, so I’m either going to settle in or you’re going to pack a bag.” His grip tightened on your hand before he released you suddenly, as if recalling that he was touching you.

“It’s too much.” 

“Anyone would do it. Anyone who cared.” He shrugged. “So what’s it gonna be?”

“I can’t sleep here.” You said.

“Alright,” His jaw set determinedly. “So, grab a change of clothes and let’s go.”

You nodded shyly and let your leather shoulder bag fall to your elbow. Your lips parted to ask if he was sure and he tilted his head sternly.

“Come on,” He intoned. “I’m hungry. Once we’re outta here we can grab something.”

“O-okay,” You gave a weak smile and he mirrored it.

You turned away and dragged your feet back to the bedroom. Every time you entered, you were reminded of the open window, the ghastly breeze, and the stab of fear deep in your gut. You went to your dresser and blindly grabbed for a set of clothes to shove in your shoulder bag. A night away from this place would be good; safe.

🕷️

Peter’s apartment was small but cozy. Lived in but neat. It was almost endearing. The Playstation controller on the coffee table, the throw still curled in the shape of his body on the couch, posters of his favourite comics on the walls. He apologized for the mess but you assured him, you seen worse from men older than him.

He was courteous. He took your bag and led you to the bedroom. He insisted on taking the couch. He dug out his second set of sheets from his closet and placed the piled neatly atop with a promise to fix up the bed after you ate. He didn’t listen to your protests, merely brushed you back through to the living room.

You sat beside him on the couch. You felt welcome but uneasy. You always found it awkward to be in anothers space. Peter pulled out his phone and tapped the screen with his thumb.

“Sorry, I’m not much of a cook.” He chuckled. “You like pizza? Chinese?”

“I’m not picky,” You replied.

“Easy to please?” He ventured playfully.

“In certain ways,” You squinted at him. “How about Mexican?”

“Sure,” He scrolled on the screen and turned the phone to you. “Here. Pick something.”

You took his phone and browsed the menu. You realized you hadn’t eaten since the day before; nothing more than your usual morning coffee. Your stomach growled and you restrained yourself to a vegetarian dish. Overdo it and you’d wake up in agony. Thirty loomed closer every day.

You handed his phone back and he quickly picked his own dish and hit confirm. You rubbed your hands together nervously. You looked around his small apartment. It reminded you of college; of the useless degree hidden in the back of your closet.

“I’ll send you the money.” You offered.

“You won’t. My treat.” He insisted.

“But...you’ve already done so much.”

“What’s a couple bucks?” He shrugged. “So, you like video games? I got a second controller around here somewhere.”

“Does Tetris count?” You teased.

“I have Tetris,” He smirked. 

“I was kidding.” You took the controller from him as he handed it to you. “But no, I don’t play very much.”

“That’s okay.” He grabbed his own controller and switched on the t.v.  “I’ll take it easy on you.”

“Oh yeah?” You challenged. “You wouldn’t be talking shit if we were playing Tetris.”

“We’ll see who’s talking shit at the end of the night.” He jibed as he sat beside you. 

You shook your head and laughed at him. You could almost forget that he was the upstart kid with his oversized camera. Or the break-ins. Or that you were here hiding. The fear seemed to dissipate when faced with his perennial optimism.

🕷️

After you ate, you found yourself even more tired than before. You didn’t recall dozing but Peter woke you with a nudge and helped you up. He showed you to the bedroom where he’d made up the bed for you. You thanked him groggily, your fatigue catching up to you, and he left you with lingering good night.

When the door closed, you grabbed your bag and clumsily pulled out the loose tee and pair of booty shorts. You changed and draped your worn clothes over the bag and shoved it aside. You got up to turn off the light and stumbled back to the mattress, landing stomach first across it. You hugged the pillow as sleep beckoned you forth.

It hit you all once. You slept so deeply your head felt full of sand. Your body too. Your mind was murky. Shadows rose from the depths but never fully formed. You forgot your existence, the open window, the missing panties, and Rusk’s open bag. Hours passed like seconds and eternity felt possible.

You awoke to fingertips on your cheek. Gentle as they coaxed you back to the surface. As you emerged from the depths, your chest clutched. Your eyes fluttered open, your lids heavy and lashes sharp. There was a dim light in the room, soft and eerie. A shadow laid beside you, its fingers traced the line of your jaw as it watched you awake.

Your vision cleared a little at a time. You recognized Peter through the haze. His warm brown eyes were dilated and dark. You reached up and caught his hand as he pressed his body against yours.

“What are you doing?” Your tongue was thick and your words awkward.

“Shh, it’s okay,” He pulled his hand away and dragged his fingers over your lips as he leaned in to smell your hair. 

“P-Peter,” You grabbed for his wrist. “Stop.”

Your hand missed his and hit his shoulder instead. You shoved against him but he didn’t flinch. He was stronger than he looked. You tried to sit up but he caught your neck and held you to the pillow.

How long had you been asleep? How long had he been there?

“Peter, please,” You reached for his hand as it stretched across your throat. “What--”

“I won’t hurt you. I only want to keep you safe.” His breath was hot against your cheek as his lips brushed your skin. “Don’t you want to be safe?”

“Let me go, Peter,” You squeezed his wrist. “Please, you’re scaring me.”

“I’m scaring you?” His hand didn’t move but he pulled back to look you in the eye. “I’m protecting you.”

Your hand trembled as you pleaded again. His name died in the air.

“From the city.” He breathed. “From Rusk.”

“You-you are,” You rasped. “You’ve kept me safe, but...this...don’t you want me to feel safe. This isn’t--”

“You can’t see it. You aren’t safe. This city is dangerous and you need me.”

“I do need you, okay?” You bartered. “Of course I do, Peter, but...I need sleep, too. I’m very tired.”

“You don’t have to be afraid of me.” He shifted closer and your body tensed. “I’ll take care of you.”

“Peter--”

“Let me take care of you.” He moved lithely over you as he pulled your hand from his. He framed your face with his fingers and held your head in place. “Why won’t you let me take care of you?”

“Peter,” You exclaimed as the tears threatened to rise. This felt like some horrid nightmare. “W-We’re fr-friend, aren’t we? Friends don’t do this.”

He blinked. He glared at you and his face slowly softened. “Friends...no, we’re more than that.”

“Wh-what?”

“You’re mine. We’re meant to be. Can’t you see that?” His thumbs ran along your cheeks as his breath glossed over your lips. “In a city this big, to be brought together, it’s fate.”

You stared at him. Stunned, horrified. You didn’t know what to say.

“I’m not like him.” He hissed as his eyes turned dark. He focused on your lips hungrily. “I won’t use you, like him. Manipulate you.” You gulped as his lips hovered just above yours. “Violate you. Invade your space...steal from you.” 

He pressed his mouth to yours and you squirmed beneath him. Your hands were caught under him. His torso was bare and the heat of his body shrouded you. You struggled to breathe as he kissed your forcefully, as he crushed himself against you. You felt his arousal as it poked you and your eyes rounded desperately.

He pulled away at last. His lips made a trail along your cheeks as he spoke between little pecks. “Can’t you see how much better I am than him? Than anyone?” 

You wriggled under him but it only seemed to encourage him. You slipped your arms from beneath him and pushed against his sides. He drew his hands away from your face and caught your wrists. He pulled them up beside your head and pushed himself up as he pinned them to the mattress.

“Who does that, hmm? I’m better than him. I’d never...take your panties like some pervert. I’d never--”

“Panties?” You croaked and his eyes flashed. “How do you--Peter?”

“He’s just a pervert, don’t you understand? But I love you. I love all of you. I want all of you.” 

He squeezed your wrists and you watched the muscles of his arms draw taut. His chest was broader than you imagined and his torso was finely lined. You stopped your eyes before they could venture further. He was naked.

“If you love me, Peter, you’ll wait. Wait for me, won’t you?” You cooed. 

“Wait? I’ve waited.” He sneered. “I’ve watched you fawn after Rusk and I’m done waiting.”

“Peter, I don’t care about Rusk, I swear, but I’m not ready. I’m tired. I need... sleep. Can’t you wait for me…” You stared up into his dark eyes. “I-I--” Your nerves flurried wildly. You’d never been so afraid. “I love you, too.” You lied. “So won’t you wait?”

He exhaled and his lips parted. He blinked and a smile crawled across his lips. “You--Say it again.”

“I-I love you,” You whispered. “I love you.”

“I love you, too.” 

He bent and kissed you again. This time harder, deeper. He didn’t stop until you were out of breath. Until your eyes were damp with tears. He sat back and straddled you between his thick thighs. You quickly looked away from his hard cock. He let go of your wrists but you didn’t move. You were too afraid.

He lifted himself slightly as he tugged the hem of your shirt free. He inched it up, his fingers feeling along your skin as he did. Your strength returned and you caught his hands before he could bare your chest. You were shaking.

“I want to wait, Peter.” You begged. “Don’t you love me?”

“I do, I do,” He rocked atop you, almost frantic. “I do but I can’t. I can’t wait. I need you. I love you so much.”

You whimpered as he twisted his hands away from you. His thighs pressed against you and reminded you of his strength. You closed your eyes as your arms fell to the mattress. You were so weak. So afraid. And you could do nothing.

He shoved your shirt over your chest and you heard the gasp fall from him. He pulled the fabric past your head and tossed it aside. He bent over you as he cupped your tits, his thumb circled your nipples. “Beautiful,” He groaned as nuzzled your skin. 

His lips tickled along your cleave and the curve of your chest. His tongue teased your bud as his fingers played with the other. He closed his mouth around your nipple and teethed it softly. He purred and you bit your lip. 

His touch stoked something within you. It wasn’t him, just the basest of your instincts. A carnal reaction long withheld. 

He kneaded your flesh with hand and mouth. He tended to you as if you were delicate and yet so firmly you could not resist. You couldn’t think to. Was it fear? Was it weakness? Was it a latent desire you refused to accept?

Then he moved lower. His lips and teeth made the treacherous crawl along your stomach. The dread built as he moved further and further, as he lifted himself from your waist and his fingers tickled you. As he slid your shorts down your thighs and legs. As you let him.

You still didn’t move. You pressed your legs together but he easily wrenched them apart. Another confirmation of your helplessness.

His nose brushed along your vee and his warm breath crested your pelvis. His hands slipped up and he pressed his thumbs to your hip bones as he settled between your legs. You closed your legs around his head in an effort to keep him away but you only welcomed him closer. You looked down at him, eyes sparkling as he gazed back. Then slowly his focus descended.

He dipped his head and you writhed. Tried to get away but it was just as futile. He rubbed the tip of his nose along your pussy and his tongue followed shyly. He dragged it slowly along your lips then back down. He pushed between them and flicked over your clit. 

You spasmed and his hands squeezed your hips. He repeated the motion and you cried out in surprise. His tongue was cool against your warm folds. It felt good even when your head told you it shouldn’t. He swirled around your bud and pressed his lips around it. He sucked and lapped then slipped his tongue down again. He drank you in and savoured your taste.

You covered your face as your other hand clawed at the blanket below. You whined, weak and wretched. You felt the rise. The ripple as it rolled along your spine. The buzzing in your thighs. The pulsing of your core. Every nerve wound together and his tongue untangled them all at once.

You rocked your pelvis into his face as you came. Wanting him to stop but not. You needed more. The release was overwhelming and left you dizzy. And he kept on. He teased your overly sensitive clit so that you squirmed. Until another climax rose and you bit into your hand to keep from screaming. And still he kept on.

You were breathless and baffled when he finally lifted his head. Your sight was blurry as you shyly looked down at him. His lips glistened as they came into focus and he crawled over you. He kissed you; wet and warm. You could taste your sweetness as he forced his tongue against yours. 

He snaked his arms up under your back and hooked his hands around your shoulders. He pushed his thighs to yours as he lifted you. He sat up with you against him. You hung from his grasp as his lips wrestled with yours. He kept you aloft with one arm as he felt around between you.

You flinched as you felt his tip against you. He grazed your clit and you twitched. He pressed along your folds and stopped at your entrance. He pulled away from your lips and looked into your eyes as he pushed his head inside of you. You grabbed his shoulders and tired to shove yourself away from him. His arm clung to you tightly.

He eased into you until he bottomed out. He sighed and his hand grasped your hip. He began to rock you against him, his own pelvis tilting with yours. He hummed and kissed your jaw, nibbled along your neck, and bit into the flesh of your throat. He sucked as he moved you against him. And you were horrified as you let him.

He felt good. He shouldn’t, but he did. You slung your arms over his shoulders without thinking and chased the peak before you. He moved you faster, harder against him. You felt your juices spreading between your bodies. His hand slid down your back and he stretched his fingers across your ass. He guided your body and you followed his lead.

You were panting, desperate for another orgasm. Your clit rubbed against him with each rock of your hips. With each thrust, you moved faster, eager to reach the pinnacle. You gasped and groaned. A voice told you it was wrong but it didn’t feel wrong. 

Peter buried his head in your chest. He hummed as he took a nipple in his mouth and bounced you against him. Your fingers dug into the muscles of his back and you threw your head back. You came with a sharp cry. Your body shook against his and the world dissembled. The worries in the back of your mind drowned beneath the waves.

He fell forward until your back was to the mattress. He thrust into you as your legs curled around him. His hand was at your chin again, cradling your face as he lifted his lips to yours. He kissed you, consumed you. 

He moaned into your mouth and his hips stammered. His motion turned erratic and he lifted his head to grit back a roar. The tension squared his jaw and drained from him all at once. He sank into you as deep as he could go, long soft strokes as he came. 

He dropped down over you, his head beside yours as he panted. He shuddered and groaned. His body went limp atop you, his fingers lazily caressed your cheek. The glow sloughed away and the room grew darker. The lines were bolder, the shadows more sinister, the colours greyed. 

You pulled your arms back and pushed on his shoulder. He didn’t move. Didn’t even react. You tried again and slowly he lifted his head. He pushed himself into you as deep as he could go and you whimpered.

“Can’t you feel how much I love you?” He didn’t relent. Didn’t pull back as your walls strained around him. “Can’t you?”

You nodded, unable to speak. He was stabbing your cervix painfully and you just wanted him away from you.

“I can feel your love.” He thrust and poked you again. You squeaked. “You love me.” He began to move steadily. “You love me.” He repeated with each tilt of his hips. “You love me.” You closed your eyes as the mantra filled the room. “You love me.”

“I love you,” You croaked through your tears. “I love you.” 

But he didn’t stop. He wouldn’t. 

You were trapped in the spider’s web. Live prey paralysed as he wrapped his legs around you. As he devoured you entirely.

🕷️ 🕷️ 🕷️

[kriscme]

One Life to Live

Hi, so now we come to the end.  The final two chapters.  Thanks to everyone who’s been following this story.  It can be read on AO3 too.  My name is Kris22 there.  As always, thanks to Ronja for allowing me to write fanfic of her Hunger Games fanfic “The Chance You Didn’t Take” available on AO3 and Fanfiction.  And thanks to Loueze for her encouragement and support.  Chapter 37 By the time the television crew was due to arrive, Peeta and I were as convincingly in love as two people could possibly be.  Of course, it was helped a great deal by the fact that we actually were.  Even so, we were hardly looking forward to our private lives becoming public again and cameras following us around as we went about our daily routine.  We worried about how intrusive it might be. Cressida had promised it would be tasteful, but the Capitol idea of tasteful can be very different from the districts.  I was afraid that it might be like that show I once saw on television about a houseful of people under constant surveillance.  They couldn’t even shower in privacy.  Would it be like that for Peeta and me?  Would they follow us into the bedroom?  Expect us to perform?  Our one consolation was that we’d be left alone once filming had ended and we vowed to ourselves that we’d do nothing newsworthy for the rest of our lives.   The day came. The house had been cleaned and tidied.  Everything was where it was supposed to be to reflect a couple who lived together as romantic partners.  Buttercup was bathed and freshly groomed.  I had the scratches to prove it.  Peeta, always considerate, had baked an assortment of breads for the crew, although I told him he shouldn’t bother.  At 7 am everything was in readiness.  10 am came and went.   And then 11 am.   At 2 pm we were still waiting.   At 4 pm we wondered if we’d got our dates wrong.   It was 6 pm when Haymitch finally got around to telling us.  They weren’t coming.  At all.   The video Remus took had violated victor media protection.  I had been filmed without my consent, wasn’t engaged in illegal activity and hadn’t voided my own protection by taking on a public role or seeking publicity.  Plutarch knew this but gambled that in our ignorance, we could be coerced into co-operating.  And once filming had started, our media protection was automatically revoked, since we had clearly consented to it.   It took only one phone call from Haymitch to President Paylor to have it sorted.   I suppose it’s of some consolation that Plutarch was severely reprimanded and threatened with dismissal.  And that he was also out of pocket for the purchase of the video and pre-production costs. As for Haymitch, I couldn’t decide whether to thank him or kill him.  He had certainly saved us from our lives being turned into a media circus for a second time but he’d let us have the worry of it for a whole week.  Peeta calmed me down and reminded me that it had brought us together.  Haymitch’s defense was that he was sick to death of our crap and wanted an end to it. He thought that a week of living together would get us sort out our differences and he was proven right.   I argued that it would have happened anyway, although I had to concede probably not as quickly.  With that in mind, I decided to let him live.   The year rolls around.  Peeta doesn’t move back into his house. It was never discussed; it was simply taken for granted.  We keep busy.  Peeta still works at the bakery as a specialist cake decorator.  He’s a partner now.  The sign above the new premises reads “Carter and Mellark Bakery and Patisserie.”  I teach at the school and on weekends I hunt. Marcus wrote to ask if I was interested in culling pest species such as wild dog and feral pig.  I jumped at it.  It seems you can be a hunter and a conservationist.   Haymitch works at the council and raises geese, which he does a pretty good job of considering he’s inebriated most of the time. We attend two weddings and one toasting.   Arthur and Lace don’t wait long before they tie the knot, or to be more accurate, thread the needle. Predictably, it was the source of much hilarity for Max, who was also invited.  At least he refrained from making jokes until after the ceremony.  I enjoyed catching up with Sateen and her husband Roy. They have a little boy.  They called him Felt.   Poor kid.   The second wedding was Octavia and Thom’s. Octavia made a beautiful bride with her rich auburn hair and fresh complexion.  Venia’s fear that their past as prep team to the Games would jeopardize their position in 12 proved needless.  Everyone knew who they were.  They’d seen them on television.  Flavius’s bright orange hair and Venia’s facial tattoos made them easily recognizable. But people had moved on.  They were tired of holding onto resentments – especially for three harmless beauty therapists whose former “victim” still willingly availed herself of their services.   The toasting was ours.  One day, we just did it.  There was no planning, no prior understanding that we’d have one.  It was the middle of winter.  We were snowed in and confined to the house.  Peeta got a roaring fire going and we picnicked in front of it using odds and ends from the pantry.  We had some stale bread to use up and toasted it by the fire.  He’d hold the toasting fork with a piece of bread to the flames and offer it to me when it was done.  The significance of it entered our heads at the very same moment. It was just a look followed by a kiss. Nothing needed to be said.  One day we might make it official, but for us we’re more married than any piece of paper or big party could make us.   Johanna won the election for District 7 mayor. She’s kept very busy but we talk on the telephone regularly.  She’s coming to visit 12 for a few days next month.   Doubtless she’ll be as disruptive as ever.  But sometimes we can use a little stirring up.  That’s what Johanna says anyway.  She takes full credit for getting Peeta and me back together and I can’t say she’s entirely wrong.   And we had a visit from my mother!  I had her possessions shipped to her home in District 4 and it seemed to have jolted something inside her, because soon after she was making plans to travel here.   It was a short visit.  She was nervous about coming here, of the memories it could evoke.  But aside from the Village, there’s nothing left of the old Twelve.  The debris from the bombs has long since been cleared away, new buildings have replaced the old, and the grass grows long and thick over the meadow.   We had a long talk about her reasons for not joining me in Twelve after I’d been released from the Capitol.  She feared being pulled down into a depression along with me.   I understood.  When you’re in the grip of it, you can see no way out.  My mother, having recovered once, was deathly afraid that she wouldn’t recover a second time.  And since misery feeds on misery, she would likely have only made mine worse.   Peeta is somewhere in the house repairing the painting of the primrose he did for me.  I don’t visit Prim in her room anymore except for that one time I when I wanted to tell her about my toasting with Peeta.   She wasn’t there.  She hasn’t been for a long time.  It was then I realized that Prim doesn’t reside in any particular place.  She’s with me every time I think of her.  I took down the primrose painting from the top of the dresser.  It belongs somewhere where I will see it every day.   I had an idea for a book, similar to my family’s plant book.   It’s to preserve the happy memories of the people we’ve lost.   Lady licking Prim’s cheek, what Cinna could do with a length of silk.  In my best handwriting, I carefully record all the details it would be a crime to forget and accompany it with a photo if we have one, or a sketch or painting by Peeta. There are photos of Finnick strewn across the dining table as I try to make my mind up on which one to use - a publicity shot that shows off Finnick’s sea-green eyes or a photo taken of himself and Annie at their wedding.   “Katniss, I was looking for some kind of adhesive tape to fix the painting and I found this letter in one of the drawers in the study.  It was addressed to me, so I opened it.” I look up, wondering what Peeta’s talking about.  He holds the painting in one hand and a sheet of paper in the other.  He leans the painting up against a wall and then pulls out one of the dining room chairs to sit across from me.  He lays the letter down in front of him.  I immediately recognize the handwriting on it as my own.  It’s the first letter I wrote to him after the mayor’s party before I thought better of it and wrote a second.  But not before putting it in an envelope and stuffing it in a drawer.  I’d forgotten all about it.   I try to snatch the letter away but he swiftly puts it out of my reach.  “Dear Peeta,” he reads. “I’m writing to you because – ““You don’t have to read it.  I know what’s in it,” I say.  “Give it back.”  I make another grab for it but he’s too fast. “. . . because I’m sure to get it wrong, or miss something important if I do this face to face.” He stops reading and hands me the letter.  I take it from him, refold it, and slip it beneath the memory book, hoping against hope, that this will prevent any more mention of it. “Did you really want to break off all contact with me?” he asks, frowning.  “I didn’t think it ever got that bad.  When?  Why?” I sigh. Why didn’t I throw the damn letter out? “It was after the mayor’s party.  I was very upset when I wrote it.  And then I had second thoughts and wrote you another. That’s the one I slipped under your door.  I’d forgotten about this one.” He gives his head a shake. “I don’t understand. Nothing happened that night.  Not between us, anyway.  Did someone say something?  Was it Max?”  His lips thin in anger.  “That – “ “No,” I say quickly.  “It was nothing Max did.” I let out a breath, and plough forward. “It was something you did.  You and Lace.  It was when you sneaked off to have sex.” There’s a moment of stunned silence.  “What?” “You know what I mean.  I saw it all.  Well, not all, but I did see the two of disappear through those swinging double doors only the staff used.   And when you came back, Lace’s hair was all mussed. And if you didn’t have sex exactly, it was something close.  That was really tacky, Peeta.  Civilized people have more decorum than to do that.  Civilized people wait until they get home.  Civilized people – “ “Katniss, we didn’t sneak off for sex. Cass invited me to see the kitchens once the dessert course was over.  That’s where we went.”   Oh.  I guess that’s a reasonable explanation.  But that dream had been so vivid.  “Then why was Lace’s hair messed up?” “Was it?  I don’t know.  I don’t remember anything different about her.  We went to see the kitchen, Cass showed us around, and then we came out. Nothing else happened.”   “But it was sticking out,” I insist.  I know what I saw.   The scene plays again in my head.  I was at the bar with Haymitch and Max, sampling shots of whisky and getting drunker and more agitated by the minute.  Agonizing over what they could be doing.  Kissing, fondling each other, maybe even fucking. “And then you didn’t even look to see if I was still there when you came back,” I add in a small pitiful voice.  It sounds so pathetic, saying it aloud.  It’s a trivial reason for cutting someone out of your life. Just because they didn’t look for you when they came into a room.   But after everything, that’s what tipped it over for me.  What finally made me give up hope and decide to end it. He reaches across the table to take one of my hands.  “Katniss, look at me.” I turn my face away, and he gives my hand a tug.  I reluctantly meet his gaze.  His eyes look earnestly into mine.  “I can’t explain the hair, okay?  But I can tell you what I do remember about that night.” He pauses, as if waiting for my approval before he proceeds.  I shrug.   “Go ahead.” He closes his eyes for a few seconds.  “You, looking so beautiful in your Cinna dress.  And me, assailed by memories of other entrances and other gowns.  Being dragged around by Lace from one boring conversation to another, unable to resist looking around to see what you were doing.  And Max, who didn’t leave your side for a minute unless it was to get you another drink. I was jealous of him without knowing why but attributed it to a fear of losing your friendship.” He pauses and adds, “At the time, you didn’t seem very happy with me.”I feel a twinge of remorse.  He’s right.  I was often moody and distant with him.  The tape viewings weren’t going as I wanted and I’d recently learned of a pattern book he was making for Lace, similar to my family’s plant book.  “You seemed to be having such a good time together, at dinner and on the dance floor. So, when we came back into the ballroom, I just didn’t want to be reminded of it.  I kept my head down and headed for the nearest group of people.  And then I did my best not to think about you.  I’m sorry.   I hurt you and used Lace to hide from my feelings.  But that’s the truth, awful as it is.”   But not nearly as awful as what I’d convinced myself of.   I don’t know what to say.  I feel so foolish.  So much anger and pain for something that existed only in my imagination.   And I’d also assumed that Peeta’s willingness to help me with the Marcus thing was due, in some part, to either empathy or guilt for having being in a similar situation himself. “No, I’m the awful one for jumping to conclusions.  I thought the worst.  You’d never be so crass as to do something like that.  I owe you an apology.  I should never – “ “You don’t owe me anything,” he says, interrupting me before I can go further.   “In fact, the opposite is true.  You wouldn’t have thought it if I hadn’t given you reason to.” He reaches across for the memory book and flips through the pages we’ve done so far.  My father. Peeta’s father.  Boggs.  It stops on Rue.  Peeta has drawn her poised on her toes, arms slightly extended, like a bird about to take flight.  There’s a reason why I asked him to portray her like this.  It’s how I want to remember her.  You can’t change the past, but you can bring the best of it into the future.   “Let’s make a deal.  Only good memories for us from now on.  Like this book you’re working on.”   He walks over to where I’m sitting to pull me out of my chair.  “Now come show me where you want this painting hung.”  I take him into the living room.  It’s the room we use most and where I’ll see it every day.   As I decide where to place it exactly, Peeta comes to stand at my back to hug me from behind.  I lean back against his broad chest and luxuriate in the strong arms that encircle me.   My dandelion in the spring.  The lullaby that Prim liked as a baby comes to mind.   Here it’s safe, here it’s warmHere the daisies guard you from every harmHere your dreams are sweet and tomorrow brings them trueHere is the place where I love you. “I was thinking over the mantle?  Or maybe on the far wall . . .”    ---------------------------------------------------------------------------------- Chapter 38 Lace’s story: what happened on the night of the mayor’s party.   It wasn’t fair!  This was supposed to have been her night.   She had been looking forward to it for weeks ever since Peeta casually mentioned it on one of their date nights.  The mayor’s inauguration party was to be the biggest social event in District 12 in living memory.  All the important and influential people in the district would be there.  For ambitious Lace, it was invaluable in terms of creating contacts and securing the kind of clientele that could afford to buy her evening wear, a design niche she wanted to develop.   Besides, she dearly loved a party and she hadn’t been to one in ages.  The last one had been the district party where she had met Peeta for the first time.   He didn’t remember it though.   That was fortunate since she had come to District 12 for a new life and a new identity and didn’t want her past in District 8 compromising it in any way.   Since she was to be her best advertisement, she put a great deal of thought and effort into her gown.  She hadn’t much money saved but she splurged the lot on pale yellow satin and then spent many hours making it up.   The final touch was a trip to the salon to have her hair colored and styled.  It was an extravagance, keeping up the hair color.  But she loved it and it formed something of a disguise as it was subtly different from the typical ash brown of the natives of her home district.   As she entered the ballroom, Lace felt she was at the beginning of an exciting new phase.  After a slow start, her business had gained momentum and she was making a steady income.   A few family members had also made the move to 12 which added to her sense of security.  But best of all, was the man on whose arm she clung.  How did she get so lucky?  Peeta Mellark!  Her teenage crush.  The romantic heartthrob whose posters had adorned her bedroom wall.  The boy she had married in her dreams every night.  What a fortuitus twist of fate it had been that day when he came into her shop to have a coat made.  A flirtation had led to a date at a restaurant and then another, until she could now, without exaggeration, call him her boyfriend! True, he wasn’t quite what she had expected.  He seemed a bit aimless, and he liked activities she had outgrown, like hanging out at the ice-cream parlor and the swimming pool, but he was Peeta Mellark!   And he really was so sweet and considerate with his little romantic gestures and compliments to her beauty.  He told her she was a wonder.  And the more she kissed and flattered and stroked, the more wonderful she became.  It was a mutual admiration society that she was more than happy to live in.  The one blot on her happiness was Katniss Everdeen.  Lace had mixed feelings about meeting her. Katniss was intimidating.  Her reputation as romantic heroine, fearless symbol of the Rebellion, skillful warrior and (privately thought by most of the populace) savior from another Snow, preceded her.  But most intimidating of all was her relationship with Peeta.  He talked about her all the time. Not in a romantic sense, it was true, but it was clear she occupied a great deal of his thoughts.  The Games had been mandatory viewing and Lace, like everyone in Panem, had watched Peeta gaze at Katniss with love in his eyes.  But Peeta had an explanation for that.  It had been an illusion.  He thought he had been in love with her, but it turned out that he was in love with his idea of her, rather than who she really is.  But now he thought of her as very good friend with whom he shared an unbreakable bond.  As for Katniss, well, she had never loved him.  It had all been an act on her part. That should have been reassuring.  And it was.  Sort of.  But Peeta had lost many of his memories and what was left was distorted, so how could he be certain? But what gave her most pause wasn’t Peeta.  It was Katniss.  It was clear at the first meeting that Katniss didn’t like her.  Katniss wasn’t rude, but she was cool, even giving her the once over when they were first introduced.  And when Lace and Peeta discussed a housewarming gift from the two of them for Lace’s brother, a shadow passed over Katniss’s face.  It was subtle but unmistakable.  Katniss wasn’t as disinterested in Peeta as Peeta made out. That’s why Lace gatecrashed the tape viewings.  If there was anything going on, she wanted to know about it.  She didn’t trust Katniss one inch.  Unfortunately, the second of the tapes triggered the memory of a traumatic incident for Lace and she reacted hysterically.  Peeta asked her not to attend anymore and she had no choice but to do as he said.   However, despite Peeta watching video tape of hugs and kisses and romantic slow dancing at Capitol parties, nothing changed between herself and Peeta.  If Peeta had ever loved Katniss, it appeared that he no longer did.   Even Leevy’s revelations in the salon that day didn’t worry her for long.  So what if the star-crossed lovers had been real?  It still aligned with Peeta’s version.  What had happened in the Games and during the tours was before Peeta had realized his true feelings for Katniss.  And she’d already guessed that Katniss was in love with him.   The party was everything Lace had dreamed of. So elegant. The women in evening gowns, the men in dinner suits.  Waiters with silver trays laden with flutes of sparkling champagne. The tables resplendent with starched white tablecloths and napkins and gleaming cutlery.  She turned to Peeta to kiss his cheek. “Thank you so much for bringing me,” she said. “You really are the best boyfriend.”  He brushed her lips with his and gave her a fond smile.  “Only because I have the best girlfriend,” he replied.   She beamed and squeezed his arm.  She could hardly recall a happier moment.   And then Katniss Everdeen arrived.  Lace’s practiced eye immediately recognized her gown as haute couture.  Cinna, probably.  Deep blue, the bodice studded thickly with diamonds – were they real? – with a strapless sweetheart neckline and more diamonds scattered on the skirt.  It dazzled and Katniss dazzled with it.  Luxuriant dark hair cascading down her back in loose curls.  Smooth olive skin, fine features and those surprising eyes.  Silvery gray, the colour of storm clouds.  She had a man for each arm.  The school teacher Max Matson, who all the girls agreed was very good looking if you could get past his personality, and – it couldn’t be – Arthur!  Lace’s friend who adored her since they were children together.  She knew he was coming tonight but not with her!  She felt the arm beneath her fingers stiffen and her glance swiftly turned to his face.  Peeta appeared stunned, his mouth gaping slightly.  There was admiration, certainly, but also something darker and more sinister.  Recognition. A memory, perhaps several, had resurfaced.   Lace’s happiness dimmed as if a cloud had passed across the sun.  But she rallied, pulling Peeta quickly along to greet the new mayor and his wife who were momentarily on their own.  Lace was in her element.  She was a natural networker.  She loved to interact with people and was always searching for opportunities.  Peeta seemed a little distracted though. Looking around, not quite keeping up with the conversation.   She followed his gaze, and it led directly to Katniss Everdeen, who, no surprise, was looking directly at him.  They both looked quickly away, but that was of no comfort.  It was clear that they were on each other’s mind. Meanwhile, she was pleased to observe, Arthur had detached himself from Katniss and was busy working the room too.  Now there was a man with get-up-and-go.  He didn’t let his natural reserve get in the way of achieving his ambitions.  Lace waved him over and he changed direction to come to her side.  Soon they were talking business, a fascinating subject for them both. She didn’t notice how restless Peeta was during the exchange. Dinner was announced and everyone made their way to their allocated seats.  Unfortunately, theirs was a dull table and not even Lace’s pearly laugh could liven it up. A burst of laughter from nearby grabbed her attention.  Arthur and Haymitch seemed to be at the center of it.  It caught Peeta’s attention too.  He seemed envious, it appeared to Lace.  But whether it was over the entertaining company or because Katniss was seated there too, she couldn’t tell. After the food had been served, people resumed their mingling, moving from table to table. Peeta wanted to talk to Katniss.  Ordinarily, Lace wouldn’t feel particularly threatened by this.  Over the preceding weeks, Peeta had confided to her that Katniss seemed uninterested in spending time with him unless it was watching the tapes.  And even then, she often seemed angry with him. Lace immediately guessed the situation. Katniss had grown frustrated with Peeta. He hadn’t responded as she’d hoped and she was distancing herself as a form of self-protection.  As long as this status quo was maintained, Lace felt safe. But after tonight, she wasn’t sure of anything.   Lace demurred.  Perhaps it wasn’t a good idea.  Katniss appeared occupied and hadn’t he told her that she didn’t seem keen on his company lately?  It was best to leave her alone.  But Peeta said that they should, that it would look odd if they didn’t.  So, when Max headed off in the direction of the bar, leaving Katniss on her own, Lace reluctantly let Peeta lead her to where Katniss sat.   It was an awkward conversation.  Lace embarrassed herself with her ignorance on what it meant to be a victor at the district parties and having to face the families of the dead tributes.  Worse, she let it slip that she had been to a district party.  Her story was that she’d been a factory worker in 8. Factory workers weren’t allowed to attend district parties.  Fortunately, Peeta didn’t pick up on it, but Katniss appeared to sense that something was amiss.   There was an awkward pause.  Peeta broke the silence.  “Are you going to let me talk to Katniss?” he said to Lace, pretending to be annoyed.  She had intended to stay at Peeta’s side, but perhaps it would be better to leave before she dug herself a deeper hole. “Okay, okay,” she said, in mock surrender.  “I know when I’m not wanted.  I need to go to the ladies’ room anyway.  Just stay out of trouble and don’t bug Katniss.” There, that would show Katniss who’s really in charge and hopefully plant a seed that Peeta wasn’t exactly happy in her company either.  She stroked his hand and kissed his cheek, enjoying her Svengali-like effect, knowing that his eyes would follow her as she walked away. She went to the ladies’ room as she said she would and did the usual things women do there.  She wanted to get the timing right and was gratified to see Peeta waiting for her at their table when she returned.   The dancing started up soon after and Lace pulled Peeta to his feet.  She loved to dance.  Peeta didn’t. His prosthetic leg made it a chore rather than a pleasure and he had faint memories of dancing at Capitol parties. But he wanted to be a good boyfriend, so up he got, and shuffled dutifully around the dancefloor with her. But then Katniss and Max came into view. Max had Katniss pulled tightly against him and he swung her around in a series of fancy turns, almost lifting her off her feet.  They were making fools of themselves, thought Lace.  That’s no way to behave at a formal event. So undignified!  So tasteless!  She turned to Peeta, expecting him to be as unimpressed as she, but his face was hard, giving away nothing.  Suddenly, he put his head close to hers and whispered words in her ear.   She nodded and followed him through the double swinging doors the staff used to bring food from the kitchen.  It had been pre-arranged.  Peeta had told her about it.  Cass from the bakery was to show Peeta around the kitchens. He had never seen a commercial kitchen before.   While he marveled at the long row of ovens, the walk-in freezer, the huge storage room, Lace could barely stifle her yawns.  So boring, and it was fricking cold in there after the warmth of the ballroom. But she stuck a smile on her face and did her best to appear interested but she was hardly in the mood to hear about the merits of blast chillers when her heart was breaking.  Somehow, she had to widen the gulf between Katniss and Peeta. She had to ensure that any fledgling signs of a possible reunion between them was snuffed out before it could begin. And then she had an idea. Just as they were about to re-enter the ballroom, Lace ruffled her carefully styled hair and swiped the back of her hand across her mouth to wipe away some of the lipstick, smearing it a little. Let Katniss believe that she and Peeta had snuck away for some canoodling in a dark corner.  Isn’t that what Peeta and Katniss did as star-crossed lovers?  Sneaking off to be alone when they were at fancy events? It was in a fan magazine she’d read, anyway.  With a bit of luck, Katniss’s mind would go straight there.   She scanned the room and saw Katniss by the bar with Max and Haymitch.  The hour was growing late and the crowd had thinned but there was a group of merry young people standing around nearby.  She started to lead Peeta in their direction, but he seemed to have the same idea and led her.  And when his arm went around her waist and he pressed a fond kiss to the crown of her head, relief flooded through her.  Everything was as it should be.  She turned in his arms slightly to look over his shoulder and managed to catch a glimpse of Katniss’s stricken but resolute face, just before her hasty exit with a startled Max close behind her.   Satisfied, she leaned her head against Peeta’s shoulder and he squeezed her waist.  She had worried over nothing.  It was inevitable that as Peeta regained his memories they’d be focused on Katniss. They were, after all, the memories that Snow had meddled with.  It didn’t mean that Peeta was wrong when he said his feelings for her had been an illusion. The real proof of who he loved was in who he chose to be with.  And that was her, Lace Bomul from District 8.  

[twelverose]

i once believed love would be black and white, but it’s golden.

One year together measured in the memories lit by golden haze.

Rating: Teen (Implied sexual content)

Paring: Tentoo/Rose Tyler

WC: 6k

Tw: panic/anxiety attacks & drinking/smoking

A/N: a light plot. more of a character study than anything. but like, it was fun to write so. (angst & fluff)

Song: Daylight by Taylor Swift

Read on Ao3

Maybe you ran with the wolves and refused to settle down Maybe I've stormed out of every single room in this town Threw out our cloaks and our daggers because it's morning now It's brighter now, now

__________________________________________________

“He needs you. That’s very me.” echoed through her mind as she watched him sleep.

They were driving back to the zeppelin. Pete driving with her mum in the front seat. They were trying to give them as much privacy as possible. Not that it mattered. The moment they made it to the main roadway, he fell asleep.

He fell asleep holding her hand. Like he was holding onto his promise.

When Jackie realized he was asleep, she went on about Tony. Which morphed into why Pete needed to finish some project that had been sitting in the garden for a month now. Rose pointed out why it had been abandoned. Her mum gave her no mind. Explaining you need to finish what you start. Rose scoffed. Quiet enough to avoid a scolding from her mother.

It took about an hour to get there.

Once they woke up the Doctor- which took a lot more effort than it used to- and made it onto the airship, Rose found herself exhausted. The last 72 hours catching up to her.

72 hours of fixing timelines and finding her universe and saving all of them. An emotional roller-coaster stuffed in for good fun. She wasn’t sure how she felt right now. Everything was foggy- including her vision.

She made her way to her usual seat. The Doctor not trailing far behind. They were pressed together in the seat. Not that they had to be, but it was a subconscious thing. Something they did before everything could give her butterflies all over again.

They listened to Pete’s call to Torchwood. Well, he did more than Rose. The drone of his voice forced her eyes shut. She started to drift off, resting her head on the Doctor’s shoulder.

She was half asleep when he asked, “It’s gonna be us?” in a low voice.

She reached for his new, new, new, hand, “Yeah.”

&&

They were lucky. Lucky to have each other. Rose reminded herself that everyday. But falling into things- things they never did before- was beginning to look more difficult than they thought.

Days full of new aliens and old tropes. Meetings that sounded exciting in theory but when given context, Rose couldn’t process correctly. The Doctor trying to fit into the routine of work and home. Old jealous feelings and new conflicting ones falling out of each other’s mouths. Learning to communicate truthfully.

But they made it work. Just like they always have and always will. Although time decided it would move slow.

It was a hell of a day repairing a fleet of fly-sized spaceships and giving the captains directions to Bangladesh. That’s what the Doctor did. Rose was granted the honour of detailing her most recent experience with the “Original Doctor” and how they saved universes.

There was a heavy dread in the back of her mind. Thinking of all the versions of the people she knew that she failed to save. She never got used to detailing what happened when she jumped. But the dread had become something new now. It was thinking of the day they drag the Doctor into an interview room and drill him on how he’s different. She already was holding a grudge against the stoic people she knew would question him.

She didn’t like them in the first place.

Rose came home late. Annoyed and brain dead by the ten hours of redundant questions. Why had they waited two weeks to ask? She didn’t know. But the thought only annoyed her a little bit more. The Doctor was lying on the couch, watching some documentary. Probably about the universe. She couldn’t really focus on anything either way.

“Rose!” His head popped up when the front door closed. Hair adorably mussed and a bright smile on his face.

She gave him a small smile, “Hey.”

He looked like he was about to ask her questions about her day. But bit his tongue when she gave him a pointed look, “Tired?”

She nodded and fell onto the couch next to him. She didn’t want to explain. She could probably ask Pete for the tapes or documents if he was so desperate for an explanation. But he looked at her with those puppy dog eyes and she caved. Giving him a brief explanation of what she had to say and why it was stupid. It wasn’t much but it was what she had to offer.

“I was stuck on Earth working for U.N.I.T. for five years. Reminded me that I wasn’t a desk jockey or meant to live a linear timeline.” He said matter-of-factly.

Rose snorted, “You’re stuck with both for the time being.”

“Not so bad when I’ve got you.”

The words echoed memories she still considered precious. They happened more often now. Soft moments laced in a golden haze replaying in her mind. They changed her moods completely.

This time, she couldn’t help but lean up and kiss him. Something they were trying to find the natural for. He still let himself go lovesick. Like now, as Rose pulled back with a tongue in tooth grin at his small sound.

He wasn’t entirely ruffled. But definitely dopey eyed when he mumbled, “I love it when you grin like that.”

She hopped up to grab her phone, much to his dismay. And people thought they were attached before.

“Rose, wh-”

“I need to call mum. And order a pizza. You can look for a movie in the meantime.”

“That’ll be at least an hour! What am I supposed to do after I find the movie?”

Rose raised her eyebrows, “Last time it took you almost two hours because ‘Films aren’t the same here!’”

The Doctor opened his mouth to defend himself but couldn’t quite find a good defense. She was happy that he didn’t. Because she was right. he found a movie right before the pizza showed up. It was some sci-fi fantasy that didn’t really interest Rose but she doubted she’d stay up until he found another one.

For a man who was so used to letting things happen, he was picky over the media he consumed.

It was a pretty movie, she would give it that. The colors and framing were nice. But nothing else really appealed to her. After eating and curling into his side, she found herself drifting to sleep. Only opening her eyes when the light was bright enough to wake her up. Or when the Doctor moved because his arm was falling asleep or the dialogue pulled him into the story.

Part of her wished she wasn’t so tired. She loved watching him react to new things. Now they lived in a universe of brand new. It normally included having to hear him complain that she should at least try and enjoy the story. He didn’t protest too much. Just enough to remind her that you could find good in every story. So in return, she’d read a book.

Reading gave her a better advantage of watching him. His eyebrows and lips would twitch, as if he was replying. Or maybe criticizing the character’s choices. His fingers would twiddle and feet would tap. It was almost childish, how much he immersed himself.

She loved it. But she was also happy with where she was- option number two. It was also twice as comfortable.

Before she knew it, she was being lifted off the couch. Rose could feel him strain slightly as he carried her. She tried to hide her smile but couldn’t help but let a small one ghost her face. He tapped the bedroom door open with his foot. Moving as gently and quietly as possible, as if she wasn’t a deep sleeper. He knew that well.

Maybe he didn’t know when she was pretending. It made something catch in her throat. All the times she would pretend to be asleep- most of the time because she was already halfway there- just to spend time close to him. Did he never really know?

When he tucked her into bed she realized that he had yet to spend a night in the bedroom. Sure, he needed a little less sleep than the average human- because he wasn’t average. They shared a bed several times before, but he never stayed with her now. Granted, her bedroom wasn’t an alien jail cell or an archaic guest room.

It was an intimacy they never had without barriers and boundaries. Before, they were too aware of what time and space can do. Well he was. When he kissed her forehead, Rose realized it was something they could throw into the wind.

She grabbed his arm before he moved away, “Stay.”

&&

There was a company party at Torchwood. The Doctor had been around long enough- two months and three days- for people to know who he was. Which meant he and Rose ended up staying for an afterparty. And then found a few.

In theory, it was Jake’s fault. He was the one who wanted to test the Doctor’s limits. They were greater than Rose expected. And unlike previous times, he wasn’t afraid to let it show. They ran around the streets of London. Jake showing them holes in the wall, where to get anything and everything. He broke up around 1 in the morning. Leaving them to laugh when one of them stumbled and hide from her father’s paparazzi in dark alleys. It didn’t do much but make them look worse in the morning.

They didn’t care. Too busy having a good time. There’s no doubt in that. They danced and flirted and had way more than one too many. Stumbled home and…

Rose woke up to a pounding headache. Maybe she was getting too old to have that type of fun. But the moment she had the thought, she decided the hangover was worth the fun. Even if the bed was empty when she woke up.

She got out of bed with a groan and grabbed the first shirt within arms’ reach. Which happened to be the Doctor’s button down from the night before. She brushed her teeth and took a few painkillers before walking out into the living room.

The stereo system was playing music that Rose wasn’t familiar with. But she heard him humming along.

She stopped and smiled as she caught sight of him. Clad only in a pair of briefs, the Doctor was swaying side to side as he chopped something. He was light. Not the tense and straight-backed man who needed to prove he was still worth his title. Hair beautifully messy, a blush spreading over the freckles of his back, and remnants of them from the night before.

He was beautiful. Especially when he let the weight off his shoulders.

She couldn’t help wrapping her arms around him when he was within reach. Pressing a kiss against his spine as he chuckled. Appreciating the heat his body left against her cheek.

“Good morning.” The vibration of his voice made her feel light as well.

She hummed in response. Appreciating the feeling of it all.

“I figured I could make us some breakfast.” He said, his voice slightly hoarse.

“Have you made any tea yet?”

“No.” A tinge of pink gathered on his cheeks, “I waited because it’s better when you make it.”

She let go with an exaggerated sigh and a smack of his bum. Smirking to herself at his quip, which was exactly as she always thought. She made their tea in their respective mugs. Her’s was one her mum painted with Tony, his was the one Tony made for him as a surprise. It was lumpy and chipped and colorful. Rose knew it was the few things that would expand into the sentimental collection he’d grow. It would probably remain one of his favorites.

She sat on the counter next to where he was making their omelettes once the tea was ready. She watched his focus intense when he went to flip them. Tongue daring to peek out the side of his mouth.

“Since when did you learn to cook?” She asked suddenly.

He placed his omelette on a plate before giving an explanation.”

“Oh, er,” His hand went to rub the back of his head, “When you have meetings or something during lunch, Jake has been showing me some stuff. He gets a kick out of it. Finally found something he’s better at than me.”

Rose laughed, “You found yourself a drinking buddy!”

“Oi!” He scowled, she noticed how he barely kept his finger from pointing, “I have not become that domestic, Rose Tyler!”

She couldn’t keep but laughing even more. The image of a Doctor disheveled and only in his pants, making breakfast and trying to defend that he still had an edge. The only thing that could make it any better was a “Kiss the Cook” apron.

Rose made note to get him one for the next holiday.

“Rose!” He whined, “Please, will you let off it?”

She found herself saying, “Make me.”

The Doctor wasn’t having any of that taken lightly, he took the two steps to invade her personal space with zero hesitation. The next laugh got caught in her chest. The smile remained though.

He smirked when the only sounds were their breathing and the music.

“Didn’t have to do much to do that.”

“You wish.” She mumbled, trying not to show how much she wanted him to kiss her.

“You’re wearing my shirt.” It came from deep in his chest.

He kept close to her. Close enough to where she could feel his breath against her lips. She was seconds from giving in. Letting him win until-

“Food’s getting cold!” He made a dramatic spin to grab their plate.

Rose kept in the groan. Feeding his ego was the last thing she wanted to do in the moment.

Which was fruitless. Because he still had sharper hearing. Thus, he easily made out the “Tease.” she let out underneath a loud sigh.

“You can wait, we’ve got the rest of our lives.”

She followed him to the table, “You wouldn’t say the same if I did it to you.”

He set the plates down and turned to face her, an offended look on his face.

“As if.”

She smiled, “As if you haven’t thought the same way.”

“Like…?” He did a poor job of hiding the way he looked at her.

“Well, we could stay inside all day. Just the two of us.” She took a step closer.

“I thought that was already planned.”

She ignored him. Standing on her toes and whispering, “Or the rest of the weekend.” before pulling him into a kiss. Only to push him away when it became a little more than chaste.

“Minx.”

&&

The day she had been dreading came two weeks later. Rose’s ears had been ringing ever since she went by the Doctor’s lab to see if he was ready to go. Only to find a few of his coworkers and to hear that he got taken up for an interview. Jake said he didn’t see him during their breaks.

She called her mum everyday. It was habitual. But today it seemed like Jackie knew what was happening. Maybe Pete told her. Rose didn’t really care. She might later.

Why didn’t they deserve a heads up?

Jackie tried her best to soothe Rose. She could hear her daughter pacing the flat, rummaging through things. Half-heartedly listening to Jackie’s story about Tony and dinner. She was halfway out the door when Rose said,

“He’s home. Talk to you later.”

And he was a mess. Hair messy but not in the way Rose liked. Shirt untucked and blazer unbuttoned. His jaw set. He looked angry. The type of anger that would hide behind his eyes. That made deep brown shine gold if you knew him. She wondered if this was going to be a different anger than before. She heard stories of Donna Noble’s emotional and passionate rants and rages. She saw Donna close to falling apart when she sent her back to fix the timeline.

He looked a lot like both right now. A mix of a wildfire and a downpour.

“Doctor?”

He looked afraid.

“Hey, c’mere.”

His fist clenched.

“Talk to me.”

She reached for his hand and led him to the sofa.

She couldn’t read him. All tempestuous thoughts couldn’t translate the way she was used to. He saw that. So instead he tried to put on the facade of someone who has it together. One that only told her it was worse. Something terrible tugged at something deep within him.

“I didn’t think it’d be that bad.” He cleared his voice, “It actually didn’t bother me until I got home.”

It was exactly what she expected. Everything that made her heart hurt for him.

“It does that, doesn’t it?” She wasn’t sure what to say.

Her mum had always been better at this. She always knew how to get through, to tell people it was okay to say what they needed. Rose was better at feeling the same as them without the words. But she sat in front of a silent rambling man.

“Yeah. It’s a blow to the chest.”

She reached for his hand, interlocking their pinky fingers. There was a static shock when she did. And that seemed to be the tipping point. The shock that told him to let go.

“I need you now.” His voice broke at his attempt to hold back tears, “I don’t know. Before I could go on. I could keep going. But it’s different, isn’t it?”

Rose nodded. Still unsure of what to say, how to help. She understood. Understood so clearly she wondered if he had tapped into her mind.

“Do you think they realize what they say?”

“Yeah.” Rose looked down, “They’ve done it to me and mum several times. Well, mostly me.”

“How did you deal with it?” His eyes were wide. He looked lost trying to navigate what he was feeling.

“I knew I had to get back to you.” It came out simple. Like it was clear. Like she never spent days in bed after these interrogations sometimes.

He shook his head, “I’m not the me that you were trying to get back to. They know that. You know that.”

“I know you’re the same man. One less heart and hair that’s got a streak he always wanted.”

“Now I’ve got a last name and pay rent. Not exactly the man you met.”

“It’s been eight years since we met, for me. We change. I don’t mind, Doctor.”

He grabbed her hand, not taking his eyes off of it, “Some people do.”

“To hell with them. We’re going to live lives they can only dream of.”

A silence settled over them. Rose heard her phone vibrating in the kitchen, but didn’t care. She watched as his eyes traced her face. Curious and willing. Unsure and timid.

“I’m not sure what else is going to happen. I don’t really care,” He took a shaky breath, “All I know is that it’s you.”

&&

Her mum and Pete asked for them to look after Tony for an evening. There was some publicity event or whatever. Jackie couldn’t remember what exactly. Rose never minded. Her little brother was easier to take care of than most would think. Raised just as she was plus a little more expense. He deserved it. The miracle child who kept her company at her worst times. He knows it too.

He also adored the Doctor. For one, he looked super cool and was super cool because he saved the universe and worlds with his sister. Two, Tony could ask him any question and he’d have the answer, the Doctor never dulled it down either. He just would answer the questions that followed. Tony’s favorite thing though, was that they could get into messes and out of them without too much consequence. Rose was sure that if he knew the words, he’d already be calling him a brother-in-law.

As much as they were two peas in a pod, it took an hour of debate between the boys for them to figure out what they were going to do. In the midst of the Doctor arguing the pros of his idea, Rose announced that they would be going to the park.

After a walk around, they settled on a hill. The Doctor laid out his trenchcoat for him and Rose to rest on. Tony left for a few minutes before coming back with a handful of flowers. Handing them to Rose and asking her to make him a crown. Before taking off to find more, so they could all have one.

“Since when could you do that?” The Doctor asked, pulling out a prototype of his sonic.

Rose shrugged, “I taught myself when I’d babysit my little cousins. Muscle memory at this point.”

“You’ve never mentioned it.”

Rose looked up from the braided weeds with a smile and raised eyebrow, “‘Cause you’re not a six year old who needs to be kept busy. At least, most of the time.”

“I’m six months and fourteen days.” He puffed his chest.

Rose rolled her eyes, “Always have to bring yourself into it, don’t ya?”

Before he had the chance to reply, Tony came running up with another boy in tow. Quickly dropping a few handfuls of flowers at Rose’s knees before steering toward the Doctor. People who appeared to be parents a few yards behind. Rose waved, making sure it was alright as the boys focused on the Doctor.

“This is Dr. Noble! He’s my sister’s boyfriend.”

Rose chuckled at Tony’s explanation of him. But the boy held out his hand to shake in a grand gesture. The Doctor took it with the same enthusiasm.

“And what’s your name?”

“Jackson. I’m Tony’s second best friend.”

The Doctor raised an eyebrow, “Well who’s the first?”

Tony looked shocked, “You are, Silly!”

“Of course I am, Tony.”

Something overtook the playful gleam in his eyes, something softer and touched. Rose noticed that there may have been a tear in his eye. She smiled at the ground, glancing up every so often.

Tony started asking the Doctor to tell his favorite story. The one about what happened at Krop Tor. She listened as closely as the boys, he had never let her hear it in entirety before. Most of it was as it happened, granted, not as grave. There was something he didn’t know, which wasn’t normal. And they got trapped when they went to figure it out. So it goes.

But he changed his tone at the end of it. Lowering his voice when he asked, “Do you want to know the best part?”

To which the boys nodded eagerly.

“Well, I wouldn’t be here to tell you this if it weren’t for someone.” He nodded his head at Rose, “I was just fighting the body. Which is scary but nothing compared to the soul of the Devil.”

“C’mon!!” Tony bounced on his knees.

“She was the one who made the final move. Ready to sacrifice herself and who she loved for the better of the universe,” He started to whisper, “I knew that she was the best. But this is when she became the very best.”

He explained how she shot the window of the rocket. Dramatizing it to make her sound more impressive. Throwing his hands around while talking about the Tardis. Dedicated to giving the happiest ending for the boys.

He did it with a breeze, leaving them whooping and cheering.

They were once again antsy to run around and burn off energy. Rose handed them both a crown, trying to keep Tony’s attention.

“When do you have to be back here, Anthony?”

He scowled at the use of his full name, “Before the sky turns all dark blue.”

“You’re good to go.” Rose laughed.

Tony pulled his friend away. They only managed to get just out of ear’s reach before Jackson came bounding back up.

The Doctor looked up from where he was fiddling with his sonic, “Yes sir?”

“What’s your first name?”

“Doctor,” He grinned mischievously.

“Your last?”

“Noble.” He said it with pride.

Jackson gave him a questioning look but shrugged and ran back to Tony, who was poking at something with a stick.

Rose left the rest of the flowers on the ground and turned her attention to the sunset. Listening to everything going on around them. The phantom breeze in the trees. All the kids calling for each other. Passing conversations.

“What about when we get married?”

It came out of nowhere. She tried not to let her surprise show, “What about it?”

“Our last names.” He looked at her, the wind in his hair reminded her of their time on New Earth, “I quite like Noble and I don’t think you should give up Tyler.”

“What if I want to?” She raised her eyebrows at him.

“Well, I mean-”

“I’m joking, Doctor,” She looked at him, lost in thought, “We could hyphenate them.”

He shook his head in thought, “Hm, but who would go first?”

She shrugged, returning her focus to the sky. Listening as he rolled “Noble-Tyler” and “Tyler-Noble” off his tongue while it turned a brighter and brighter pink.

She swatted at him with the back of her hand when Tony ran back to them. Trying to avoid any conversations that aren't necessary. He asked the Doctor to come play with him because Jackson had to leave. Before he started to drag him away, the Doctor managed to give Rose a peck on the cheek. The six year old was too impatient. Leaving him to yell “I love you!” at her.

Her eye roll was followed with her own shout, “I love you too!”

&&

The Doctor was wearing a tuxedo similar to the one he wore the first time they were here. This time it wasn’t to gain information but to give it. He was to give a lecture on something he figured out in the eight months he’d been here. He argued that it wasn’t that important. That he didn’t need to do it. Pete reminded him that the other scientists working on it eight spent years. Not months.

The Doctor and Donna’s personality had always been intertwined in him. Rose knew it. She first noticed because he was quick to reply to her mum’s quips and actually started to enjoy spending time with her.

He said it was because he’s half the alien he used to be. But both Rose and Jackie beg to differ.

But this was the first time she’s seen the personality merge work against him. He couldn’t just brush off the idea of speaking in front of people who are there to question him. Speculate how he did it. Insecurities bubbled to the surface and crawled into his nerves.

Rose found out through Jake, who had to pull her from talking to people before the seminar. She wasn’t the one resisting. She was tired of questions about this “mystery man” who was “quick to put a ring on her finger.”

Although, the reactions to the fact that she was the one who got down on one knee humored her. But led her to explaining that he got her ring later.

“He’s been pacin’ the room like an animal that hasn’t got enough enrichment.” Jake said while walking Rose to where the Doctor was, “I couldn’t get through to him but we all know you can.”

She entered the room to a speaker being in pieces across the floor. The Doctor sitting in the middle of all the pieces, trying to rig something together. She wasn’t sure if it was supposed to be a DADA sculpture or a new invention. Either way, his new anxieties were making him manic.

“Doctor?”

His head snapped up and he gave her a tense grin, “Rose! I was just thinking of you.”

“I don’t think you stop doing that.”

He shrugged and started sweeping all the pieces into a small pile in front of him.

“Doctor,” Rose said it softer than before, “What’s going on?”

“I’m about to talk to a room full of people and I can’t suppress hormones like I used to be able to.”

He said it with a straight face. Leaving Rose to hold her breath to keep from causing him anymore anxiety. She wasn’t sure if her urge to laugh was caused by the point-blank approach of explanation or the fact that he was clearly lying. She didn’t think on it too much. She tried to think about what her mum said and did all the times she was at a breaking point.

The first thing she noticed was how disheveled he was. Only half dressed, though he’d never admit it. Then it clicked.

“Presentation is the most important thing. That’s what I’ve learned from Pete. So let's tidy you back up.” She held her hand out to lift him back up.

She talked about everything except what his mind was so desperate to be focused on. Coaxing the dopey smile and puppy-dog eyes out of him. In the end, it was more flirting than discussing. But it worked the way she needed to either way.

Rose couldn’t help but notice how he focused on her hands when she buttoned his shirt.

“I’ll unbutton them later if you don’t have a heart attack on stage.” She said with his favorite grin.

She couldn’t help but let it slip. And the mischievous look she got in return was worth it. Now that he was dressed, it was time to move onto his hair. Which would only take so long due to the fact he was overprotective and particular with it. This was where she planned to dig back in.

He gave her a sheepish smile as he sat down in front of the mirror, watching her hands start to tease his hair.

“What had you so worked up earlier?” She asked, watching his eyes dart from her to anywhere else in the mirror.

“I started thinking too much. Or- I focused on one thing and wouldn’t think of anything else.” He looked like a schoolboy. Embarrassed to feel things.

Rose thinks this is the most human moment he’s had yet. His superior biology not quite what it used to be.

“What was it?”

“Well, uh,” She swatted the hand that went for the back of his head as he spoke, “I didn’t want to disappoint Pete. or Jackie. Or you.”

His eyes met with hers in the mirror and she gave him a sweet smile, “My mum and I don’t care. You know that. Pete? He’s got PR on standby if necessary.”

“I know,” The Doctor shrugged, “But you’re the ones who let me get here.”

Jake knocked on the door, “He’s got five minutes!”

His spine went rigid again. Rose ran her hand over it in response. She pressed a kiss to the back of his neck, where no one would notice if a lipstick stain was left.

“Just talk to ‘em like you’d talk to Tony, yeah? Go on your big monologue and worry about what’s going on in their heads later.”

When he stood up she fixed the lock of red in his hair to flow with the rest.

“I love you. You know that?”

“Absolutely.” She straightened his bowtie one last time, “You know, you have nothing to prove to me.”

&&

Rose blew air out like a cigarette, watching a cloud too hazy and heavy form. Those days were long gone. She realized they had gone before she met the Doctor. A long memory now, where she lived in a parallel universe with a new half-human, half-timelord Doctor. She didn’t mind, though. That’s life isn’t it?

It was this line of thought that led her into sleepless nights. Comparing lives. Wondering how her old Doctor was doing. Wondering if her Doctor was really, truly, happy. If they’d ever get back the life that they belong in. All this what-ifs and open-ended question that she’d never get an answer for until the moment came. They ran rampant through her head. Like a skipping record.

Sometimes it was tempting to pick up old habits when she got like this. She knew why she didn’t when the door behind her slid open, revealing a shirtless, groggy Doctor.

“Rose, it’s 3 am.”

“I know,” She turned to face him completely, “I couldn’t sleep.”

He hummed in understanding and sat next to her. Looking up at the sky full of stars he’s yet to map. It made a sharp pang go through her chest. To see him like this. So bare in a universe he was ready to make a mark on. Then Rose noticed the goosebumps rise on his arms with a gust of wind. He’s yet to admit that he’s been cold. Even when it’s written all over his face and hands.

She also noticed the way his eyebrows furrowed. As if he was counting each and every star.

“Why couldn’t you sleep?”

She shrugged, “Thinking ‘bout what you said.”

“We’re at the halfway mark. Now is time for her to grow on her own.”

Rose thought back to the shed on Pete’s estate that they spent every free day they had at for the past month. Which meant one of them pulled the other out of bed. Because they had their very own Tardis growing inside, waiting to learn of new skys.

“But will we make it that long?” She felt the fear bubble over into tears, “It scares me. To not know when. Which is ridiculous but I’ve waited so long and I know you’re just as restless.”

He sat there for a second, gathering the right words.

“Rose, you did the impossible once. All on your own. Yeah, you had Jackie and Clive and Pete, but-”

“Now I have you.”

The words hung heavy in the air. Like it was some confession. Admitting something she always wished for had come true. But it wasn’t made up of the dreams she once had. It was messy and real but even worth more than what once was the only thing that let her sleep at night.

“I told you a year ago, it’s gonna be us. I could care less about what else there is.”

Maybe that was the catharsis. The unholy amounts of emotion came pouring out of her. She fell into his arms as she broke into tears.

She had no clue where it came from. Maybe it was stress from work. The clutter starting to build in their tiny flat. Or knowing they were so close. Her heart begging to be reminded of what showed her love in the first place.

“Rose, you golden girl. You did it. You got back to me- or well, I came back with you. Besides the point. You’ve done it once. What’s a second time with the impossible holding your hand?”

He rocked her slightly as she started to calm down. Brushing her hair out of her face and wiping her tears. Pressing kisses against her forehead. Mumbling things she normally didn’t hear.

He pulled her back with a wide grin, “Hey, we still have to get married before leaving. I don’t want another slap from your mother.”

“I think we should do it Vegas style.” it came out as a snotty laugh. And in the back of her mind she wondered if he ever saw her like this before now.

“I don’t care as long as it’s you.” He smiled, “You said it a while ago, ‘Better with two.’”

She giggled, rubbing her eyes one last time, “The stuff of legends, us.”

“Especially in a few months' time.” He said, looking back up at the sky.

“We’re gonna be alright,” Rose pulled him into a tight embrace, “We’re okay.”

[presumenothing]

superhero confidential [#4]

[ marvel au ]

                                                    << PAGE 4 >>

AS THE AVENGERS TAKE TURNS TO explain afterwards, the last part of what I saw earlier is the latest in their attempts to figure out ways to minimise the collateral damage when they fight.

In this case, it's very much a simulated scenario: Cap and Iron Lady against the remaining three acting as invading hostiles, with the mass of robots standing in for any surrounding civilians.

"It's not the most realistic of situations, of course," says Miyano-san, her expression tight, as she calls up a bank of screens – non-holographic, this time – that show playbacks of their practice fight from various angles. "But we can't level a city every time we do this, and the robots are calibrated to register the equivalent level of damage an average human would sustain."

They spend nearly a full hour picking over the footage and working out ways to cover any gaps. Ran-san remains mostly quiet during this process, which I chalk up to her not actively being in the field as an Avenger, although she does offer suggestions at several points.

Despite their frequent barbs at each other, Miyano-san and Kudo-san actually work surprisingly well together both on and off the battlefield – the playback shows only the rare attack from the other three making it through even with their combined efforts. But, as I gather from the discussion, they're focusing on the big picture, with the end goal of avoiding another inadvertent disaster the next time they fight.

"It's not gonna be easy. Might not even be possible, with the kind of firepower we need ta take down our usual kind of threats," says Hattori-san with uncharacteristic grimness. "But we can't not try."

The sentiment is obviously echoed by the rest, and the mood is still somber when we finally break for dinner.

Kudo-san and Ran-san decide to stay for a quiet night in, while I go with the others to an udon place nearby.

It's my last hour with the Avengers – or so I think, at least. I can't help wondering what's going to come of it.

FOLLOWING THE SHIELD DATA LEAK ONLINE, several dedicated dataminers tracked down footage from the past decade – down to shaky handphone video from several major earthquakes – that show the recognisable silhouette of a winged figure swooping down to the literal rescue.

This is, of course, offset by the recent Vine clip of the very same figure rescuing a litter of kittens stuck improbably high up in a tree too withered to climb in an area too densely-packed for a firetruck ladder.

"Not everything is about saving the world, ya know?" was Hattori-san's statement on the viral video when it was brought up at a press conference.

"At least I can say I did it for the Vine," he adds now, when I ask him about it as we're waiting for our noodles.

"And the kittens," says Toyama-san, before dropping to a stage whisper. "He got so attached to them that he cried when we had to give them away."

"Did n– I almost cried. Only almost," he emphasises.

Toyama-san pats him on the shoulder, commiserating. "Of course. They were very cute kittens."

"With very sharp claws, as well." Miyano-san's words are, perhaps predictably enough, completely unsympathetic – at least, if one forgets about the considerable number of animal shelter fundraisers that Iron Lady has put in appearances at, over many other worthwhile causes. "Perhaps I should start billing you for suit repairs in these events?"

"Or build in a collapsible cat carrier," chimes in Toyama-san.

Hattori-san makes a wounded noise of apparent offense – but fortunately for the tattered shreds of his dignity, our food chooses that moment to arrive.

Which brings us to the next part of the entertainment for this evening.

WE'RE HALFWAY THROUGH WHAT CLEARLY feels like a oft-repeated spiel from Hattori-kun on the superiority of udon soup in Kansai when someone reaches out to tap on Toyama-san's shoulder.

"Your black jacket's on the back of my couch," she says without looking up from her noodles, as I do a double-take at the newcomer's uncanny resemblance to one Kudo Shinichi.

Not-Kudo-san – who I'm belatedly realising must be Kuroba Kaito, codename Hawkeye, designated archer of the original group of Avengers – pulls a face. "Darn. I was wondering where I'd left it. And can't you even let me sneak up on you once?"

"Nope!" Toyama-san answers cheerfully, glancing up only to bat her eyelashes at him. "I think not stabbing ya when ya try it is good enough, don't ya think? And stop leavin' your clothes at my place, jeez."

"Well, I can't help that we both wear black, it's confusing!" Kuroba-san waves as if he's just noticed me, although I highly doubt that's the case. "Hi, don't mind me, I'm not Cap – "

"Not what you try to convince half the people we meet of," Miyano-san remarks with a raised eyebrow.

"Ain't my fault if they don't watch the news, y'know." Kuroba-san shrugs, already turning to leave, though he pauses to tug at the bow in Toyama-san's ponytail. "Don't wait up for me, honey!"

She slaps at his hands irritably. "Ya mean I'd better not see yer ugly mug before midnight, Kuroba!"

"I'm not Cinderella!" he retorts over one shoulder. "And I'll tell Kudo that you said his face was ugly!"

"What, so he can agree?" she snipes back.

The sheer and obvious familiarity of this routine makes me flick my gaze over to my other dinner companions quickly with an unspoken question: are they – ?

Miyano-san rolls her eyes in response. "No, they're just always like this. Apparently normal methods of communication are too much to ask for, around here."

"Rich of ya of all people to talk, neechan," says Hattori-san. "But yeah, lotsa people who meet them make the same mistake. They're certainly idiot enough to match, anyhow."

"People, ya say?" repeats Toyama-san, with sudden glee.

"Shut up," mutters Hattori-san in retaliation, visibly reddening even under his dark skin.

My reporter senses pick up a definite story there, but before I can poke around any further there's a sudden scream from outside the restaurant.

There's what seems like a collective sigh across the table, but barely any hesitation to match.

"Go, we'll cover the bill and find ya later," says Toyama-san with a wave, though Hattori-san's already half on his feet before she's finished.

He runs off at a fast clip, catching the attention of other patrons and leaving me to stare at the remaining two at the table with confusion. "What – ?"

"Remember the weird stuff I told ya about this morning?" Toyama-san says with a slight wince. "Yeah, something like that."

It seems that I'm getting an answer to the question I didn't ask, after all.

"We'll head over in ten minutes. People tend to freak out when too many Avengers arrive at the same time, for some reason," Miyano-san adds, voice glacier dry with irony.

"Means there's still time for dessert?" Toyama-san declares hopefully.

BY THE TIME I ARRIVE alongside the remaining two Avengers, we find Hattori-san deep in conversation with Kudo-san, and officers from Beika's Division One already corralling the gathering crowd at the scene. The portly figure of inspector Megure Juzo is visible behind a cordon of police tape, alongside several of his senior detectives.

"Looks pretty serious," Toyama-san observes in an undertone. It's easy to forget how distinctive the Osakan accent she shares with Hattori-san is until it drops away, leaving her to sound just like any other Tokyo native.

"Double homicide, it seems." Beside me, Miyano-san has her handphone out, and is flicking between screens – SNS feeds and others that pass too quickly for me to catch. "I'll notify the others, you go ahead."

Toyama-san tugs the hood of her dark grey jacket up, and slips into the crowd with barely a nod.

The Avengers do indeed have a protocol for such events, it seems. I probably shouldn't be surprised about any of this – but I am, nevertheless.

Miyano-san finishes tapping out one last message on her phone and looks up, eyes narrowing as she glances around. I wonder what she sees.

I wonder what each of them see, really.

More than any other of today's encounters (planned or unplanned) this last incident is what firmly brings home the reality of the people behind the heroes. That they chose the lives they lead now has made as much of a difference to us as to them, and it is a decision deserving of credit where it is due, much as that seems to be forgotten of late.

IT'S JUST OVER TWO HOURS LATER when the case gets resolved. I stay with Miyano-san on the periphery of the crowd for the most of it, having declined her offer to have someone bring my car around from the Tower. There's a dicey moment when the final suspect tries to make a run for it, but a swift cement-breaking kick of a trashcan lid right into his path quickly dissuades that notion.

Toyama-san reappears from seemingly nowhere soon after, the two apparent detectives following along in her wake. The intent seriousness from earlier has dissipated, leaving what could've just as easily been a group of old friends out for a late-night outing in the hubbub of Tokyo.

Kudo-san, I learn, had literally just stepped out from the Tower to buy a pint of ice-cream.

"It's statistically improbable, yeah, running into a murder on your grocery run," he agrees, wincing, as we wait for our respective elevators.

Hattori-san loops a friendly arm around his shoulder. "No one introduce ya to online shopping yet, Kudo? Delivers right to yer doorstep."

"Looks who's calling the kettle black," Kudo-san mutters with a snort. "At least it wasn't another alien incident this time."

"Or an actual skeleton horde, of course," says Hattori-san.

There's a collective groan from all the assembled Avengers.

"Catnip. In your suit lining," I hear Miyano-san warn in a distinctly menacing voice, followed by Toyama-san's "I'll take the video!" in jarringly cheerful tones.

Hattori-san gulps nervously just as the elevator door closes.

It's a memorable end to my day with the Avengers, all told.

                                                    << PAGE 4 >>

[suchawonderfullife]

Life after Hansa, my daily routine and other patient stories

See the photo above. That’s my daily and weekly routine since returning home. I’ve been home just 2 weeks now. Recovering your health is no quick fix or easy feat. If you’ve been chronically ill for years or decades, you’re looking at a marathon, not a sprint. Remember that. I had to make it clear to family and friends that upon returning home I’d be in for a long and hard slog of therapies, remedies, exercises and detox methods daily that would take up the majority of my time and energy. I had to explain that the 4 weeks of treatment I had would not “make me better” and I wouldn’t be returning home a healthier, brighter, happier version of myself. 12 years of chronic illness, with a body that sees dysfunction on a cellular level as it’s “norm” cannot be fixed in a mere matter of weeks. I’m looking at a recovery period of several months before I start seeing significant improvement in some areas and then years, for overall improvement of health. But I know I’m definitely on the right path. 

I didn’t know it would be this much work. I’m kind of glad I didn’t know to be honest. I don’t want this to be off-putting to anyone considering treatment. But if you’re looking for a quick fix, a few pills to take, some antibiotics to pump into your system and be done with it or a few weeks of harsh treatment to then return to a life of wellness, you’ll never get better. It’s unrealistic. I think that when you first become ill, you’re not used to that horrible feeling of fatigue, pain, nausea, brain fog etc and you’re grasping at straws, trying those quick fixes to get better. After years of this, you wise up and see that those quick fixes aren’t going to be the true catalyst for your healing. I hope if you’re contemplating this kind of treatment, you see that something like this IS a catalyst to long-term healing. 

Back to my daily routine shortly, firstly I’d like to acknowledge some of the patients I had treatment with at Hansa. I was fortunate enough to be there for a longer than normal period and therefore met many more patients. What I found most valuable was the patients who were returning for their 3rd, 4th or even 5th trip to Hansa. 

I met a brother and sister who returned for their second round of treatment, after they completed their first round of treatment 3 months prior. They told me that the first 3 months when you return home from your first visit are quite challenging. Because you’re changing a lot of things in your body and drawing out bad toxins, this can make you unwell (but as a lymie aren’t we used to herxing and feeling crap anyway? So I’m OK with that). The sister said she had a kinesiologist back home who continually tested what she was treating under her Hansa Dr’s instructions and this Dr saw continual improvement. When she had her first day back at Hansa and they did their baseline testing (I forget what it’s called), everything her kinesiologist had said was improving, lined up with what her Hansa Dr said. Her top 10 list she had at her first visit had changed and now her issues that were less important back then, had shifted up to number 1 and 2. This means her biggest problems had been properly addressed and now lesser problems were seen as more significant in her body. She said her brother had even better improvements than she had had and they were both very hopeful. 

I met a family from Canada who travel to Hansa once a year and all of them have 3-7 days of treatment. I met local families who were returning for their 5th+ time and had nothing but great things to say about how much Hansa had changed their life and improved their entire families health dramatically. I met patients on their first visit who came to Hansa after seeing friends or family get treated there and have such drastic improvement in their health, they knew it was their best option to recover from chronic illness too. I met others, but my brain is failing me at the moment. With all the returning patients I met, my constant thinking was “if this place wasn’t working, they wouldn’t be paying all that money to keep coming back.” It was very uplifting to speak to people who had already seen great results and were enthusiastic and hopeful to continue their healing through instilling their trust in the Dr’s at Hansa. 

So towards the end of week 2 at Hansa I started to click how hard I was going to have to work when I got home, how long my recovery would be and the potential of the treatment making me worse. At the end of my fourth week I was more than ready to go home and get stuck into it all. But when I got on the plane at LA airport, about to embark on a 16 hour flight and thinking about touching down at Melbourne airport to my parents waiting to greet me, it dawned on me what I had just done. I can’t remember if I put this in my last blog or not. 

I started crying on the plane. I went from this feeling of elation and excitement, to shock and fear. Kind of like after a traumatic event, when you’re running on adrenal throughout the experience and once it’s over, your brain is able to catch up and process what actually happened. My brain just went “holy shit, I just did 4 weeks of treatment on the other side of the world, with just my partner for support.” You won’t really get it unless you go through it yourself. I will tell you though, that it is a big fucking deal. It is probably the hardest and scariest thing I’ve done in my life and I am the instigator and driving force for getting myself there. No one pushed me to go, I had to push and do whatever it took to get myself there. 

So if you know someone who is going or has gone overseas for treatment, that is not a decision taken lightly and it takes incredible courage and strength. Travelling whilst sick is frightening beyond comprehension. Then you throw in treatment that you have no idea how your body will respond to, you are in a foreign country with unfamiliar surroundings, dealing with all obstacles that get thrown at you without your regular support systems or comforts. So yeah, I cried for a good 10 minutes on the plane, just let it all out. Feeling overwhelmed, scared and dam proud of myself for doing what I did. 

Coming home, I had to head out and start buying supplies for my daily routine. This included the whiteboard you see in the photo above. My partner drew up the grid with whiteboard tape and I added all the “activities” in. The first blue section are all my remedies, medications and supplements. “Tinctures x3″ means 3x a day, not 3 tinctures. I have 10 tinctures I must take 1-3x a day all up. The green section are my brain exercises for my limbic system. Below that in red are some of my longer exercises. Things like walking, grounding and colouring all have significance in helping repair the damage to my brain. The blue section on the right hand side are my detox therapies.

I’ve actually learnt how to do coffee enemas and that’s an experience in itself. I don’t think you know love until a partner has had to help you learn how to do an enema. Then the monthly column at the bottom is for things I need to do 1-2x a month. I’m waiting to get a referral to an EMDR specialist for repair my limbic system dysfunction, I don’t have the money yet for a lymphatic massage but it’s certainly something I need as my armpits and chest are aching a lot. Bioresonace is the treatment I have regularly with my local Dr and my Hansa Dr highly recommended I continue it. Doing all of these therapies on the board take up the majority of my day and 95% of my days total energy.

You may add them all up and think “well these are 20 minutes each, the brain exercises are only 10 minutes total, a bath/sauna is only 20 minutes, an enema is only 15 minutes so that’s about 4 hours of your day right?” No. Prepping for something can add an extra hour. My enema for example, it takes 25 minutes to boil the coffee in distilled water and then 70 minutes for it to cool to body temperature. I then have to set up the area to do it and clean up the equipment afterwards, plus add an extra 15 minutes of sitting on the toilet after the enema to make sure everything is out. You’re looking at it taking over 2 hours and 10 minutes just to complete this 1 detox therapy. For a liver wrap I have to lie with a hot water bottle on the caster oil wrap placed on my liver for 1 hour. That’s an entire hour I have to solely focus on that 1 therapy and cannot do anything else. For every meal I have, I have to take this spray and tablets before I eat anything that make my stomach quite upset, then I have to take a few bites of my food, stop, drink a large glass of water with apple cider vinegar and take a hydrochloric acid tablet and then continue eating. This takes some prepping and makes my meal times go for longer as it can take a while to down an entire glass of water with ACV in it. Then add into that your regular showering, getting dressed, preparing food, household chores and any other normal daily tasks and you’ve got a pretty jam-packed day. Now do all of this everyday for the next 4 months straight. I take my hat off to the patients with children and who work full time and have to fit all of this into their day as well. 

So how’s it all going? Well I’m exhausted. I feel pretty shit at this moment in time to be honest. But I’ve had periods of improvement and great days too. I’ve noticed improved stamina on my good days. I’ve noticed that my body copes better with the physical exercises I have to do, such as jumping on the trampoline. It’s not as painful or leaves me as out of breath. When I first got home, trying to do everything everyday was wearing me down extensively. However, this is slowly improving. I believe my “shit” feelings are from the treatment doing what it’s supposed to, my body simply cannot detox fast enough. My brain is over sensitive most of the time, but I am noticing improvements in my anxiety, more clarity and better threat-perception (feeling calmer in situations that I would normally freak out about because I think it might make me sick) on my good days. 

I don’t really have the energy to do many “extra” things at this point. I have left the house 4x this week, which is good. Some of the things were mandatory and made me worse, some of things were voluntary because I felt good. Some days it’s a struggle to do all my exercises and therapies because I’m just so fatigued and feeling unwell. These are the days I have to push through and remember my end goal. Some days I’ve woken up so exhausted after sleeping 9 hours, 2 hours later I’m back in bed as I can’t function. Some days I can only do half my therapies because I’m so unwell and yesterday I did no therapies and took no medications because my body simply wasn’t coping at all. I felt so toxic and horrible. My Dr told me to take a break for a day or two if my body is having a hard time, because feeling absolutely horrible is not the goal, there has to be a balance. Detox baths are the best! I have at least one everyday as it is the only detox therapy that brings me relief. Saunas, enemas and liver wraps make me feel more unwell at this point but I know from experience this will improve over time and they are necessary. 

My brain has been affected by the treatments. Leaching out all the bad things in my brain, I’m having periods of severe rage and distorted thinking. Now that I know all about my limbic system problems and that my liver is my worst affected organ, I’m more mindful of my anger. It is really blowing me away how angry I get. How much anger my body must be holding onto. So when toxins are being pulled out of my brain or liver, it can come up as emotions and for me it’s usually rage or anger. I’m not an outwardly angry person though, I internalise it. So I seeth, stew, become bitter and resentful and “plot” revenges (that I never go through with, it’s just the fantasy of it feeds the angry part of me), I have arguments with people in my head and have pretty much zero patience for anything mildly inconvenient. A fellow Hansa patient who experiences the same symptoms of anger as I do said “it’s like I become the dictator of my life.” It’s true! My brain becomes so overloaded with toxins that my emotional responses are no longer in my control and I turn into this self-absorbed, entitled, mean, demanding person who you would never be able to please. 

Not to worry though if you know me personally. I know when to remove myself socially when I am in this frame of mind and if I have to be social, I have a pretty good poker face. That doesn’t make me fake, as those emotional responses are part of my illness and not true to my character. It’s like if you head out clubbing or to a party when you have a cold. You don’t head out in your pj’s, slippers, tissues hanging out your nose, hair a mess and whining constantly. You dress up, put your makeup on, take a heap of pain killers and pack your bag with tissues. Then you do your best to forget you’re sick and your clubbing/party self comes to the forefront. Because your cold isn’t part of your true character, is it? It’s this annoying, unwanted, extra thing you have to put up with at that point in time. Then when you get home, you fall into bed and can go back to concentrating on feeling miserable and sick. Same thing when I’m angry. If you live with me, no doubt I can’t hide this side from you, but in public or social settings, I put my social self first and the anger in the background. 

To sum up, I need the people in my life to be patient. I’m frustrated by how limited my energy is. I’m frustrated for feeling worse some days and being unable to complete basic daily tasks such as cooking for myself or household chores. I don’t know where I will find the energy to take myself to my extra appointments now, but it’ll work itself out somehow. It takes me days to save up a little extra energy to run an errand or go grab some groceries or put my clothes away that have been on the floor for a week. So I’ve lost most of my “social” energy as it is being used for my treatments and completing basic daily tasks. But getting better is my priority. I have 4 months to work my ass off, focusing on all I have to do to get well, before I return for my second round of treatment. I will not have spent all that money to get slack or use my energy on other things, to then not be well enough to do my therapies. It might be hard for a while, but that’s ok. I never back down from a challenge and I certainly deserve to get better. I know this is only temporary. In another 2 weeks time I’ll possibly be in a totally different place again or seeing more improvements. This isn’t guaranteed to be my reality for the next 4 months, I just have to take it 1 day at a time. Remember I was told the first 3 months are the hardest. This is only week 2. So it’s bound to get better. 

Also, these are the therapies that have been personally prescribed to me based on my diagnosis’. Hansa does not have a cookie cutter approach. Friends I had treatment with have varying exercises and prescribed therapies/detox methods to myself because their issues are different. Do not think what I’ve shown you is what you will have to do if you have this treatment. Everyone is different. 

Thanks to the people in my life who continue to support me with pure love and acceptance and who help me do whatever it takes to get well. 

[takeenata]

The Scrapheap

October, 2001. Wife and I have been married for about a year, kids are just a year old. Pirella and I are moving state to state for work, and the current state we’re in is the “Show Me” state. The old fashioned state of Missouri, living near the Kansas City area. I was looking to work as some kind of construction worker, maybe help build homes and buildings for people. But, sadly, I found myself working nine-to-five as a garbageman. Not really all too bad, just an awful smell that lingers onto my clothes and skin, that I usually spend an hour trying to scrub off me. I was thankful to have the helping hands of my wife to get the stink off me.

I was told that I need to wear this bright yellow vest and a type of hat with a bill on it. So everyday I go to work wearing a light gray shirt, some worn jeans, black boots, thick work gloves, and a black baseball cap.

I worked with two other gentlemen on a daily basis. They were named Frank, and Louie. Frank was a irish-man with a set of red-haired mutton chops, who wasn’t all into drinking despite the stereotypes. Louie was canadian, bald, with a bit of a gut to him. My relationship with these two men was nothing past co-workers, but the two were friends way before I joined their daily routine of collecting people’s filth; they had been working together for about ten-years.

While we’re on a lunch break, the three of us eating some sub-sandwich in the front seats of our trash-filed truck, Louie says something that caught the attention of Frank and I. “Have you two heard ‘bout that monster in the junkyard?”

“Our junkyard?” Frank asked.

“Nah, not ours. The other guys, the one that drives around, taking the blue bins.” We collect the black colored trash bins, and drive around in a green trash truck. “There’s some kinda monster that put the other guys outta business.”

“How do you put an entire junkyard outta business?”

“When workers refuse to go there anymore ‘cause they’re afraid of this thing. Didn’t you hear that it killed a cop already?”

That caught my interest even more so. Louie was getting more and more irritated by the looks of it, saying “A cop, really?”

“Yeah!”

Louie shook his head in disagreement. “This is a bad rumor spreading ain’t it? I��m pretty sure if a cop was killed they’d go in and investigate.”

“What if the cops are scared of this thing, Louie?”

“Then why the hell are they cops? Get someone in there with some stones and figure out what the hell’s going on.”

Frank laughed, then said “Are you the one that’ll do it?”

“I’ll do it,” I said, interrupting their conversation. The two looked past their argument, and their lunch, and gazed confused at me. Most of the time I remained quiet and to myself, just doing my job and getting my paycheck. I’m pretty sure that this is the first time in awhile I said something to them.

Louie reassured that. “Don’t say a thing for months and you cowboy up for that?”

I shrug my shoulders and answered with “You’re both being kinda silly with this. I’ll go in, see what’s happening, and hopefully word will spread that there’s not a damn thing going on in that junkyard.”

“What if there is a monster though,” Frank questioned. “I don’t believe there’s a monster in there.” I was lying of course. I had suspicion that there’s something happening in that junk yard. The rumors were newer, and relevant. They had to have some kind of truth behind it, in some way.

“You’re an elf and you’re doubting another monster being real?” Louie coined in. He had a point to make, in this world a lot of strange oddities come and go. Which only lead me to believe that there is something to be found.

“Shut up. I’ll go after work.”

…

Five in the afternoon on this day. This is kind of early from my usual days. I take the bus home in hopes to save on gas and cash, which usually works. In the morning I also take the bus to work. I am usually the first man on the bus, and the last one off. Today however, I guess the driver forgot some stop somewhere and didn’t want to go correct themselves. Sad that someone might be late for something because of this operator, but I am happy at least to come home early.

My family resides inside a single bedroom, single kitchen, single bathroom, small living room, apartment.  A duplex actually. It’s enough room for the infant children to grow and play, and enough room, for now, for Pirella and I to do what’s needed and live on our lives. We don’t own much personal property between the four of us. I keep a bit of tools and spare clothes, my wife more tools and even more clothes, a crib for our children and blankets given to them by Frederick when they were born.

Moving on, I come home during the evening of this day, greeting my wife with both our kids in her arms. All three of which have fallen asleep on the couch; it must’ve been one hard day for her, but if they’re all three asleep together, then it’d be wrong of me to wake any of them up. I take a scrap piece of paper, scribble where I’ll be, what I’m doing, and what time I should be back home; in my head, no later than midnight. I didn’t bother to take a shower just yet, seeing how I was going to visit a junkyard there’d be no sense in ridding myself of an awful stench just so another would cling on to me. The only thing added to my wardrobe was the utility belt that held my pistol.

I had no garage. Only had a driveway that was shared with the connected neighbor. It was funny to see the difference between a traveler and a local, just by seeing what kind of car they had. My neighbor drove a 1992 Toyota Camry, two doors with a brown color to it, with a Missouri license plate. I drove a 1997 Dodge Durango, with a Michigan plate. If the plates didn’t tell the difference, the milage sure could’ve. This had been my second vehicle bought, the first one having been through a few troubled years of damage. This one was due for replacement too, the engine started to sound heinous. I’m not a repairman, or any sort of car fixer to know what’s wrong with it. I also didn’t have the right cash to take it to get repaired. I pull myself into the vehicle, start the engine as fast as I could, and drove away in hopes that it wouldn’t disturb or awake my wife and/or kids.

Give or take; twenty-minutes later I arrive at the abandoned junkyard. I could imagine that there’d be some kind of security here, kind of like how my job has somebody watching the piles of garbage to make sure no one gets in; there wasn’t a single guard or post in sight. Believe it or not, people want trash and state government won’t let people have it back. This has started to make me question if what I’m throwing away is something another man can use, or if I can find a way to reuse it.

The only security were two padlocks and a coil of chains. I had two obvious options: take my pistol and waste two bullets breaking the locks, possibly gain the attention of someone nearby that will call to complain about gunfire, which would send officers here, and get me in more trouble with the law; I could hop the fence. There was a third option that came to mind of using some hot flames from my hands to melt the locks off, but that seemed like overkill for me. So I climbed over the tall fence, pushed away at the barbed wire at the top so I wouldn’t get pricked too much, and landed on the flats of my feet with a grunt.

I’d scout the area for what seemed like an hour, and only found several football fields worth of junk. Just straight junk. At the same time, I could understand why people assumed this place had a monster. The wind knocked and moved unstable bits of trash. The noises of items being moved or adjusting to their new location was unsettling too; I understood why it was assumed there was a monster here, but I was still lost what made so many workers here run away in fear. Supposedly run away in fear. There had to have been more reason. Which meant I’m continuing my search.

...

Another hour later, I came across a terrible stench. It wasn’t the smell of trash either, or rusted items. It smelled of something dead, rotted. I could hear the sound of many flies buzzing from afar as well, which only furthered my theory that there was something deceased within this scrapyard; could it be the officer that Louie and Frank were talking about, or maybe just an animal that got into the wrong place? I followed the foul odor to what looked like a makeshift shack in the heart of this yard. I was kind of surprised something like this was made in the environment provided; was it possible the workers here built this place as some kind of joke, or maybe a place for them to relax? The smell could be food, flies attracted to it for whatever reason nature needs them for.

I step foot into the shack, and had immediately regretted doing such. It was like setting foot inside another world of horror; like looking into the laboratory of Dr. Frankenstein, if he had set his castle and sinister workings in the heart of a trashyard. Loose wires are hanging from the ceiling. Televisions and computer monitors, both with broken and exploded screens, are scattered all across, some left on floors and others either bolted or taped onto the steel walls. Pieces of broken glass decorated the floors of this makeshift home. I know it was a home too; there was a disgusting-stained mattress with a sleeping bag on top of it. The very person who lived here was home too. Dead on the floor, with the strangest of helmets strapped around his head; devices all around this shed structure lead several hundred wires across the walls and attach themselves all around this helmet. Either this place is some kind of makeshift electric chair, or the man was trying to do something with his mind. Maybe install something into his brain, make himself super intelligent? I didn’t want to know.

I look around this place, trying to piece together some kind of story. What I have so far is this man must’ve built this machine, and it turned and fried his brain out. That’s about as simple as I could think of it. As I think, I hear movement outside. There was no way it was just the wind; the object I heard sounded like something heavier being moved. I drew my hand cannon and started to head outside to investigate, but when I opened up the door, I was blocked by a rusted car. Something managed to move an entire car to block my path, but it wasn’t clever enough to consider that I can crawl through the vehicle’s busted windows and get out the other side.

I scan the area, being outside now. All was quiet, which was just a terrible sign that danger was near. All things were making noises earlier, and now it was as quiet as a mouse. I stood still, waiting for some kind of movement, something to shift in the area. Sure enough, from behind the building I heard the shuffling of metal parts and the scratching of metal.

Fast as I could manage I found the source of the sound. It was something that was ten-feet-tall, covered with a burlap robe, and the way it was grunting and struggling, trying to climb up a giant mound of scrap metal but failing to do so; I knew it was panicing. It was afraid of me. I had wondered the reasons it was scared of me, and assumed it was just scared of the gun I had pointed on it. I wasn’t sure what instinct made me put away my magnum, but I did. I shouted out at this behemoth “Where do you think you’re going?”

It must’ve not heard me at all approaching it. After I asked the giant, it quickly turned around to face me. It wasn’t a giant at all; it was some kind of machine made out of spare parts. A living junk pile; a collective of broken things; a scrapheap. Two pieces of scratched glass stare at me with surprise, or what I could assume was surprise when I witnessed two dots shrink and shake. It stopped what it was doing, backing up to the furthest thing to be called a corner. A giant rusted arm and a proportionally sized arm covered up it’s odd shaped head, and it spoke out with voice that sounded emitted from a megaphone, if it was covered up. “No hurt! No bad!”

The broken english was a surprise for me. I raised my hands, gesturing I didn’t want to hurt him at all by waving them before me. “Not gonna hurt you, not unless you deserve it.”

“Did no bad!” It was still trying to fortify an escape. “Accident!”

The word accident caught my attention pretty well. I took careful steps towards the metallic ogre-like creature, hands out before me. “Take a breather, bud. I’m not accusing you of anything. What happened here?”

“B-bud? Friend?” The creature stopped it’s panicking, lumbering a few loud steps at me.

“Yeah, friend. So, tell me what happened?”

The hulking android would slam their bottom against the rough dirt, making an absurdly loud noise that lasted for a while. “See colors two weeks ago. Sleeping man on floor. See skin mountains all around, and wanted to see more. Try to leave but small pink scared by me. Cannot leave home.”

At first I couldn’t understand what all they meant. It only became clear to me later. They woke up two weeks ago to see a dead man on the floor. They looked around and seen they’re inside the heart of this scrapyard, seeing it was material it was made out of too. I could piece together that there was a chance that the man laying dead on the floor and the machine he was strapped to had something to do with the birth of this golem of garbage. Was it using his body to power it; a religious belief; deranged thoughts of a man living in a junkyard? The wicked science behind this metallic man brings only questions, and I grow worried of the answers.

I guess they ventured out at some point, wanting to see more than trash around them, but a child had seen them. Maybe not even a child; small is relevant to the sayer, to it I am small. To me, my children are small. To my kids, an ant is small. This could explain the rumors of the monster existing, and how it spread. Doesn’t exactly explain why workers left though. I decided to ask it what it knew about the garbage men that worked here, saying “Has anyone tried to enter your home?”

“Many have. Scared away! No mean to! I do wrong?”

“Not as far as I know, uh - what’s your name again?”

“No name. Never have.” It brought it’s giant rusted hand to scratch the top of it’s wired head. “Name is. Scrapheap!” Lights around it’s neck and head started to shine bright with blue. The way it’s voice sounded, it simulated joy.

“Are you sure about that?”

“Heard before. Bad?”

“It’s not bad. If Scrapheap is what you want to be called, then good to meet you, Scrapheap.”

“Good elf --” I heard the long pause that played with a buzzing sort of sound. I had guessed this was how Scrapheap was pensive.

“I am an elf, but call me Tak.”

“Good Tak.” I let out a laugh, in which the golem tilted their head and wires with an obvious sense of confusion.

“What noise?”

I looked back at Scrapheap with a same level of confusion they gave me. I questioned exactly how young-minded the giant was. “That’s laughter. What you said was funny?”

“What is ‘funny.’”

“I uh. I’m not sure how to explain it either. It’s just something that makes you happy and you express it by laughing.” “What is happy?”

I’d spend a while teaching Scrapheap everything I knew about emotions. Scrapheap could express emotions apparently; there was christmas lights adorned around his neck and chest with different colors, and they’d light up those individual colors based off his mood. They were blue for most of the duration I talked to him, which I was sure meant they were calm and at ease. Though when Scrap trying to dig away from me, they shimmered an orange, which probably meant fear of some kind.

By spending a while teaching. I meant a while. Not only for the remainder of the night, but the day after, the following weeks, and the remainder of the year. Even after my wife and I left Missouri, Scrapheap managed to keep contact with me, using some broken tech in their home to message my phone. I’d always talk to him, teaching him many things over the phone and with a cheap laptop.

Our relationship as friends goes as far as me considering Scrapheap as the far-away child of mine. I’ve taught them right from wrong, good morals and bad conduct. As much English as I could teach them, speaking wise; I let my wife teach him how to speak since she usually has better structure than I do. I haven’t figured out if she’s yet to consider Scrapheap like a third child; a distant one at that.

Though I guess most children don’t supply their fathers with tools to do their work. I had told Scrapheap that Pirella and I used to travel coast-to-coast looking for trouble anywhere we went, and dealt with problems that caused other innocent people problems. With that, he managed to make me certain tool that have long since helped me out in my career as a hunter-esq of whatever manner. I don’t question how he’s able to get them to my home, but I don’t bother to ask.

Scrapheap has been a great ally of mine for over a decade. In a world full of strange creatures and oddities, Scrapheap fits right into the quota of odd-jobs. But that’s alright; something new does not mean something bad, all the time.

[holmquistewduckettwq53insur-blog]

Why do we need basic health insurance?

Why do we need basic health insurance?

Health insurance should be for serious issues that require surgery or hospitalization. Why do I pay insurance to get a checkup or for routine visits? The problem with health insurance is it is too broad; therefore, it is too big. The idiots who say that car insurance is mandatory as an argument for mandatory health insurance leave out that it is only LIABILITY insurance that is mandatory. You are not required to insure fixing your own car if you choose not to. Think about how much more expensive it would be to take care of routine things like car maintenance, appliance replacement, etc., if they were handled through an insurance company. The answer seems to be to eliminate most of the unnecessary insurance and shrink it to only what is required. That along with serious tort reform would eliminate much of the red tape and cost. The person who abuses their things pays more to replace and fix them. Same thing with the fat people, who suck up most of the insurance money the rest of us pay.. If you choose to be fat, then you will pay more to repair your health. It seems pretty simple, but then again the current proposal is not really about health care is it???

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Health insurance should be for serious issues that require surgery or hospitalization. Why do I pay insurance to get a checkup or for routine visits? The problem with health insurance is it is too broad; therefore, it is too big. The idiots who say that car insurance is mandatory as an argument for mandatory health insurance leave out that it is only LIABILITY insurance that is mandatory. You are not required to insure fixing your own car if you choose not to. Think about how much more expensive it would be to take care of routine things like car maintenance, appliance replacement, etc., if they were handled through an insurance company. The answer seems to be to eliminate most of the unnecessary insurance and shrink it to only what is required. That along with serious tort reform would eliminate much of the red tape and cost. The person who abuses their things pays more to replace and fix them. Same thing with the fat people, who suck up most of the insurance money the rest of us pay.. If you choose to be fat, then you will pay more to repair your health. It seems pretty simple, but then again the current proposal is not really about health care is it???

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Health insurance should be for serious issues that require surgery or hospitalization. Why do I pay insurance to get a checkup or for routine visits? The problem with health insurance is it is too broad; therefore, it is too big. The idiots who say that car insurance is mandatory as an argument for mandatory health insurance leave out that it is only LIABILITY insurance that is mandatory. You are not required to insure fixing your own car if you choose not to. Think about how much more expensive it would be to take care of routine things like car maintenance, appliance replacement, etc., if they were handled through an insurance company. The answer seems to be to eliminate most of the unnecessary insurance and shrink it to only what is required. That along with serious tort reform would eliminate much of the red tape and cost. The person who abuses their things pays more to replace and fix them. Same thing with the fat people, who suck up most of the insurance money the rest of us pay.. If you choose to be fat, then you will pay more to repair your health. It seems pretty simple, but then again the current proposal is not really about health care is it???

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Is My Insurance Company Trying to Cheat Me?

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Is My Insurance Company Trying to Cheat Me?

Let’s be honest, anyone who has had an insurance claim has had this or a similar thought run through their head. For many years insurance companies have done things to earn a bad rep. I’ve been in the insurance restoration industry for the last 10 years, and during this time I can honestly say that I have rarely met an adjuster or contractor that wanted to skimp on the settlement. The few times I’ve seen this is when the policyholder has been extremely difficult to work with. Yes, bad estimates happen, however, most of the time the feeling of being “shorted or cheated” comes from not understanding your policy and how it pays out.

The biggest misunderstanding is most often the issue of matching. Insurance policies are specifically written with terminology and phrases to avoid matching. Homeowner’s coverage is to replace the damaged items with like kind and quality. While as a homeowner and contractor I often don’t agree with this and I will fight it to the best of my abilities. To explain this policy the easiest is to give you situations where you will most likely run into this situation. Let’s say you have a flood where the carpet has to be removed in the hallway. The same carpet runs throughout the home. The living room opens and connects directly to the hallway with the same carpet and you have 3 bedrooms directly off of the hallway and an office with french doors off of the living room. The carpet in the hallway and living room will be replaced but the carpet in the bedrooms and office will most likely not be replaced as most insurance policies are written to stop at doorways.

The other situation is most often with kitchen cabinetry. If water damages your lower kitchen cabinets (or a fire, your uppers) most insurance companies will allow replacing the run of damaged cabinets (meaning all of the lowers or all of the uppers). If you have specialty/custom cabinets you will most likely be given a custom price to rebuild that run of cabinets to match what was there. Very rarely is matching kitchen cabinets likely these days, however, it is not impossible. Over the past 25 years, there are hundreds of cabinet styles and specialty finishes, from dozens of manufacturers. Unless you recently replaced the kitchen, it will take countless hours of research to find the cabinet manufacturer that made your cabinets (a good place to locate the manufacturer is on the inside of the door. Let’s say you’ve managed to find the manufacturer, companies usually discontinue a line every 4-7 years, or they make considerable changes to it. On top of the possible discontinued issue, it is very likely that the elements have changed the finish on your cabinetry. Perhaps your contractor has pointed the issues out to your adjuster, depending on the difficulty they may add extra money to allow to get a close match, perhaps a custom cabinet.

This is where you have several options:

1) You can take your budget and get quotes from cabinet places on a less expensive cabinet to replace all of your cabinetry. Remember that by using less expensive items elsewhere in the reconstruction you will have that money to allocate towards your new cabinetry budget.

2) You can certainly create a unique custom kitchen by finding an opposite finish cabinet to replace your lowers or uppers with. It is very common today to mix cabinetry finishes to give a unique custom look to fit your style. For example, let’s say your cabinets are a stain cherry cabinet in a shaker style. You could go with a complementing stained or painted finish cabinetry, perhaps in antique white or black.

3) If the mix/match isn’t your style consider a paint treatment. My best example of this is a fire I did in Durham, NC in 2007; my client had a small grease fire that scorched the finish on 3 of her upper cabinets above her stove. The insurance company allowed for replacement of these upper cabinets. She was not happy with that. (Now to be fair, this was an extremely smart professor at Duke University and as soon as the fire happened she started dreaming of her new kitchen.) When I broke the estimate down into our budget for the cabinets she was highly disappointed. She wanted her new kitchen. I replaced the 3 damaged parts of the cabinets with unfinished stock pieces that matched in style and repainted all of her dated oak cabinetry to a new beautiful modern black. We added new hardware, repainted the walls and I was able to get new countertops for her, by choosing a less expensive replacement floor. Within 2 weeks she had a brand new remodeled kitchen with nothing more than her deductible out of pocket.

4) You could order the cabinets to match your existing cabinetry and if they don’t match well enough you can go back to your insurance company and have them come back out to assist you with another option. PLEASE NOTE: if you’re set on getting a kitchen completely different than what you had and you opt to try and match your existing cabinets and fail, the insurance company is not going to pay to replace the newly replaced cabinets again. Do not go out and get cabinets that clearly will not be a match to your cabinets and then call the insurance company and say “I tried to match the cabinets but they don’t match.” This is fraud and you can be charged.

The best advice I can give anyone is to understand your policy. Look at your declarations page thoroughly. Understand your coverage. If there are any changes in your home update your insurance as necessary, to protect your home, yourself and your family.

Understanding your claim can be both easy and confusing. It’s easy if you listen, take notes and ask questions (to both your insurance company and your contractor). I’ve seen homeowner become completely befuddled by a claim when they try to make sense of it without knowing enough or by trying to break down the estimate line item by line item and add up the totals to “checkup” on the contractor or adjuster. Just remember that life becomes unsettled when it’s least convenient. There is never a good time to have to file an insurance claim. However, life is unpredictable and it will slap you in the face when you have all your balls in the air. I recommend to all of my clients to get a spiral notebook or notepad the moment they have to file a claim. Write everything down because if you’re like everyone else as soon as you think of a question for you adjuster you’ll forget their name and lose their contact information and/or your claim number. Keep track of everything. Start collecting pictures of things you like that will have to be replaced, it’s good to dream but don’t be unrealistic. Don’t assume that because something got wet it will be replaced. Carpet is one of the most argued for items. Most homeowners assume that because the carpet was wet for several hours before it was discovered it will be claimed as unsalvageable. In a general Class 1/Category 1 (Clean water) loss most carpet can and will be saved. Restoration companies are HIGHLY trained to dry these items. Carpet is replaced as a last resort. It may need to have the pad replaced and be restretched/rekicked and cleaned but in rare situations does it require replacement. Delamination is a reason for replacement. Delamination is when the primary and secondary backing of the carpet separate. One of my favorite arguments for carpet replacement was from one of my homeowners in Virginia who said that her carpet wasn’t wet before and therefore should be replaced. I had to laugh on the inside when she said this because while I am confident that the 83 gallons of water which we removed from her living room were not present prior to the loss; the water did not damage her carpet. She argued her point (I think she was a law student) for nearly an hour and a half. She did not win. She argued that water damages fabric and since it was not wet prior to her loss it should be replaced to prior condition. I agree that water does damage some fabrics but her carpet was not made of silk or wool. It was average nylon carpet, and after checking the tags of 8-10 pieces of clothing (looking for nylon) that she normally wears and washes, she dropped that argument. She rebutted that the carpet color changed/darkened where the carpet was wet. Yes, it was darker where the water was, because it was still wet! Two days later upon completion of drying the carpet, the homeowner confirmed that the carpet color returned to its original shade. Nonetheless, her next argument was that by getting wet, the carpet’s structure was now damaged. She couldn’t really explain what she meant, but I was confident I knew where she was trying to go. When I explained to her that during the manufacturing process carpet is routinely exposed to several “water baths” in order to manufacture it. When she learned that water is used in the manufacturing process she had no further arguments. Feel free to use any of her argument should you want to try and get your non-damaged carpet replaced. If you’re carpet gets wet with clean water and isn’t found to be delaminated, look for staining from furniture feet. Staining IS a valid reason to replace carpet.

Drywall and trim are the other most commonly damaged items in a home during a water loss. Drywall patches are 100% acceptable in restoration. The insurance company does not owe to replace all of the drywall in a room because there was a section that had to be removed. Understand that drywall can usually be dried without any relating issues. If a section has to be removed a patch fit to the squared-up removed section is acceptable. Once properly taped and mudded that patch will not be noticeable, if it is than your contractor needs to have another drywall crew redo the repair. Yes, drywall is hung in 4×8 or 4×12 sheets but that does not mean that you need an entire new sheet of drywall “because it wasn’t previously patched.” Any new drywall will be sealed and painted to match.

Insurance companies/adjusters are starting to release the reins on painting of a room. It varies company to company- adjuster to adjuster- and on the clients’ attitude. For years the standard has been to apply two coats of paint to the new drywall and 1 coat to the remaining section of wall (corner to corner). The corner to corner theory is that when painting a room you can/typically stop in the corner once you have an entire wall painted. You never want to stop mid wall because that will be noticeable. Also with corner to corner if the paint shade is slightly off it won’t be visible as it stops in the corner and light casting shadows will affect the paint shade as well. Having been met with so many contractor arguments over painting the remaining walls, during the last 2 years we have seen the corner to corner rule relax. Typically now, if I have a 12×12 room and I patch one of the walls, I will apply two coats of paint on top of two coats of primer to the new drywall. I can usually get the adjuster to approve repainting the remaining walls, to match. This does not mean that you get to change your 12×12 powder blue dining room to Victorian red. This means that you get a fresh coat of powder blue paint in your dining room. However, if you’re nice to your contractor you can update that powder blue to a similar tonal value color such as a grey blue. Cultivating and fostering a good relationship with your contractor can only benefit you.

One of the other biggest items homeowners don’t understand that don’t get covered are the source repair costs. Example: the ring between your toilet tank and bowl rots, causing your toilet to leak. The insurance coverage will be to repair the damage that the toilet caused. It however, will not cover the cost of fixing or replacing that toilet, or your cost to hire the plumber to come out and shut off the water and remove the toilet. In short, your insurance company is not trying to “stick it to you”. It is important to note that any form of water damage should be cleaned in a timely manner. Water damage can spread to mold damage, and your insurance company is not likely to pay for a mold inspection if they feel that you aided the progression of the mold by delaying in drying the area. If something doesn’t make sense. Ask about it. If you don’t understand the answer or are having difficulty with your adjuster ask for their supervisor. If something raises a flag in the supervisors head they can and often will either send out another adjuster/field reinspector or come out and investigate. Don’t be afraid to ask if you truly feel that you’re not being treated fairly. Your insurance agent can also help to explain your policy to you.

Regardless of what you feel you’re owed, just because you’ve been paying into you policy for x number of years doesn’t mean you get everything and anything you want. Indemnity is a basic insurance principle that states that you, as an insured should not be allowed to profit from an insurance loss. This principle is important and helps to protect both the insurance company and you.

Source by Daniel L Hoover

[gaiatheorist]

“...Once Christmas is out of the way.”

Christmas Eve, apparently. I’ll be reminded of the date when I log into the Universal Credit online system later, to add my mostly-pointless two hours of Open University freebie course, as evidence that I’m ‘preparing for work in the future.’. I’m having a totally ridiculous preemptive rage, in case the system is ‘shut’ tomorrow, when I’m planning to do the same thing, that wouldn’t be very inclusive of non-Christians, would it? It’s an automated online system, though, Ebeneezer DWP doesn’t have to ‘do’ anything. Much like I don’t have to ‘do’ Christmas. 

Well-meaning individuals are likely to make further token-gestures towards getting me to ‘do something’ for Christmas. I already have plans, though, I’m going to sort out my tins-and-jars cupboard, which is so rammed-full of hoarded non-perishable food that it’s more of an extreme sport than a storage unit. 

I’ve managed to avoid the “Are you ready for Christmas?” question, I came close in Aldi a couple of weeks ago, but managed to cut across it. “Are you OK?” from the lady on the checkout, “I am now, that’s it done.” That was after the Mental Health death-by-PowerPoint thing, where the facilitators had tried to engage us by asking “Is everyone excited for Christmas?” we’re on a mid-level Mental Health intervention, love, we don’t do ‘excited’. The consensus was that we mostly ‘just wanted it out of the way.’, we would, wouldn’t we, we were mostly female. Massive generalisation, I know, but, in my personal experience, ‘the men’ tend to expect the whole Christmas thing to happen around them, elves, or something do it all. (That oft-repeated joke about the “From Mum and Dad” presents generating as much surprise from ‘Dad’ as the recipient, you could tell which presents my ex had bought, they were the ones wrapped in carrier-bags and Gaffa tape.) Not all men, I know, I’m sure some-men won’t be milling around the supermarkets like obstructive zombies, wondering if tea-towels make a good present. 

I’ve read a few news articles recently about the expectation-angle, the ‘perfect Christmas’ and such, and I might well sarcasm-tweet photos of the progress of my can-cupboard, just so people know that however crap their Christmas is, it could be worse. (Or I might not, anyone who doesn’t have a stockpile of food might think me insensitive.) I choose-not-to do Christmas, it’s probably about five years since I’ve ‘had to’ sit at the in-laws’ table, wedged between racists and imbeciles, trying very hard not to stab people who chew with their mouths open. I never ‘had to’, it was always just the emotional blackmail from the ex, that his parents wanted ‘everyone’ together at Christmas. It was acceptable for the various husbands to slope off to the pub and avoid it, but unthinkable for a wife to behave that way.

I dislike Christmas enormously. Even before my brain injuries, the lights, and the tinsel, and the crowded places, the noise, and the compulsion to over-eat were difficult before, they’re impossible now. Christmas can get in the bin, I’m not counting down ‘sleeps’ until the 25th, I’m counting down to my neighbours taking down those bloody horrible flashing fairy lights on the outside of their house, I’ve pretty much had a migraine for a month. 

My mother knows to leave me alone, she’ll probably send a token text, reminding me that I’m invited to her ‘Boozy Buffet’ on the 28th. I considered it last year, for the free food, but this year I have food of my own. (Also, once I start drinking, I tend not to stop, I’m a liability.) I’m not going, it will be a gathering of ‘that racist uncle’ people, complete with hyperactive children. Brain damage is a really great excuse for not-doing-stuff. 

My father turned up unannounced at the weekend, with a box of gin, he also knows to leave me alone, but he’s still an emotionally coercive creature, so he phoned my brother to ‘check in on me.’ Comedy of errors, there, because my brother phoned just as my ex and the kid turned up to replace a broken fence-panel. In the dark. With no tools. It was a slightly more homicidal version of The Chuckle Brothers, because the ex thinks people can read his mind, or understand monkey-grunts instead of human-word directions. “We can’t do it like this! We need a ladder!” “I don’t have a ladder, why would I have a ladder?” (’A ladder’ would have been useless, to do the job properly, they would have needed two step-ladders, with a batten between them, for stability at both ends of the heavy-awkward panel they needed to lift. What they ended up with was a wet garden bench, that the kid lost his footing on, and refused to step back onto. Brain-damaged female, passing a really heavy, and very wet bench through a gap in a fence. Did I mention that only one of my hands works properly?) The ex decided I’d bought the wrong size panel, because if anything goes wrong, it’s automatically my fault. The panel is the right size, it’s just that they couldn’t lift it into position in the dark, standing on a wet bench in the alley behind my garden. He was supposed to be coming back yesterday to finish the job, I waited until it was dark, and he still hadn’t turned up.

I’m invited to my brother’s this evening, and they can ‘make room’ for me tomorrow. I’ve declined both invitations, and the one for New Year’s Eve, as well, I played the brain damage card, which is a valid move in this game, nobody knows quite what to do to counter it. My brother and I are no-nonsense Yorkshire pragmatics. “Did Dad tell you to check in on me?” “Yeah, he phoned, I know we don’t talk much...” “We don’t need to, I’m not going to phone you to tell you what colour my sofa is, we don’t ‘have to’ talk just for the sake of it.” “I know, anyway, we were thinking, we’re having (single bloke) (single bloke) and a few friends over on Christmas Eve, and for Christmas Day.” “Your collection of waifs and strays, and you wondered if the spinster aunt would be sitting at home alone eating cat-food if you didn’t invite her?” “Pretty much that, yeah.” “Thank you, but no, I’m not great with lights, and noises, and people.” (I’m also an anxiety-drinker, and become chaotic very quickly, nobody wants ‘Auntie Knobhead’ falling into the Christmas tree.) 

It’s a me-issue, not a them-issue, I resent the forced-frivolity, and fake-friendship elements of Christmas, I’d far rather people were decent human beings all year round, not just ‘for Christmas’. (Now I’m suppressing giggles at the Fascinating Aida ‘Try not to be a c*nt at Christmas’ song.)  I’ll be glad when Christmas is over, but I’m not sure when that is, I can’t be guided by the neighbours’ fairy lights, they went up in November. Christmas Eve, Christmas Day, Boxing Day, that ought to be it, but then there’s the string-of-Sundays between Boxing Day and New Year. Nobody knows what day it really is, and there’s too much food and booze. (Guilty as charged on that, too, I ‘stocked up’ for the kid coming back from uni, despite the house already being heaving with food.) There’s food and booze and MESS everywhere, and I still have another three weeks until the kid goes back to uni, he’s a brilliant human being, but he doesn’t half cock up my routines. (His next uni break has his 21st birthday in it, too, so extended family will have expectations, urgh.) 

Right, final push, over the top, boys. Dulce et Decorum est on weaving that one in, me. The next few days will have noise, and flashing lights, and mud in them, because the ex is apparently bringing the man he lives with to help re-repair the fence. Uninvited men, trailing mud all through my house, brilliant. 

However you ‘do’ Christmas, enjoy it your way, make time for yourself, and know that it will soon be over for another year, and that other people’s ‘perfect’ Christmas social media posts are an edited version of reality. They won’t show the bickering, the sulking, or the suspicious sticky substance on various surfaces. (Maybe that’s just me?)     

[sparklyeaglepoetry-blog]

Who needs insurance?

"Who needs insurance?

Auto insurance is a hit or miss conception with police enforcement doing the insurance company's work for them. Too many drivers have no insurance leaving responsible drivers to pick up their tab. Why don't we tack on 10 or twenty cents per gallon at the gasoline pump to go for insurance. If you don't buy gas for your car, you're not going to be able to drive.That way, if you drive, you automatically have insurance.  This frees up police to do real cop work, cuts down on the cost and makes sure everyone who drives has insurance. Whadya think?

BEST ANSWER:  Try this site where you can compare quotes: : http://averageinsurancecosts.xyz/index.html?src=tumblr 

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""Lawsuits have been limited to $250,000 in California for years now - insurance costs haven't gone down...?

...at all. Why do Republicans pretend that is the solution to healthcare costs?

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Hardtop convertible increase my car insurance?

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Where can I find cheaper car insurance quotes?

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my motorcycle insurance policy is about to expire next month, so im just looking into companies/experiences to see if i should switch (since getting quotes isnt as easy as they make it sound!!). ive been with progressive for a year and pay 93$ a month. i was honest when i joined and said i had less than a year of experience-- i'd literally learned how to ride right before signing up with them, though because i learned with one of those motorcycle safety courses, i got a small discount with them. so, now, i have a year of experience as well as a year of owning my bike (which i paid for in full and am the sole owner of). i'm 20 year old female, have a kawasaki ninja 500r, use it for pleasure purposes. my driving history, unfortunately, is not pristine. in 2009 i got a speeding violation for MORE than 10mph over the speed limit (that was in my car), and last month, sadly, i was in an accident that was my fault (also in car) (no injuries). i havent had any infractions on the bike. i have a motorcycle endorsement on my license and, as i said, passed a motorcycle safety foundation course. i got a quote with geico, and their prices were really just obscene. so, basically, i just want to hear from other ppl who deal with the same thing. how much do you pay for bike insurance? have any good recommendations for companies? what companies are known for being a little bit more forgiving about accidents, seeing as i just had one (again, in my car, not my bike, but i know it matters). any tips, etc? i know being young and not having a lot of experience are not on my side, just thought id try :)""

Car insurance is too high!!!?

Been up since 8AM ringing several insurance companies. I have been declined 13 quotes, and offered 9 quotes noted below: Direct Line - 8,000.00 Admiral - 6,400.66 Insure motor - 9,294.00 Elephant - 6,400.66 Aviva - 13,084.00 MasterQuote - 11,001.60 On some of the forms I have used my nan's address as I live in a high-risk area, so I will actually park the car at my nan's house, not fraudalent I will actually do that. Are there any more hints/tips on what to do to bring down the insurance? I recently bought a Peugeot 106 1.1 LOOK+ 3dr hatchback. I'm 20 years old and passed my test on 30/10/2012.""

Car insurance rate question?

If I use my dads insurance on my car and get into an accident what will happen? Who would get in trouble me or me father?

Car insurance so confusing?

i have car insurance just now and i pay monthly.i am changing my car on wed so need to change my policy to fully comp. i would like to pay for my year insurance in a lump sum to cut down on monthly outgoings.problem is i get car on 9th but dont have money to pay years insurance till 15th so can i pay for a month then the year or do i have to pay monthly for the whole year

""Queation about auto insurance in Boston, MA?""

Hey, I am 17 years old (18 in a month), male and I am looking at a used audi s5 (4200 cc 350 bhp) to buy. it is a 2009 model with 30000 miles. How much do you think i will be asked to pay for insurance each year if i purchase this car? I never had an accident btw and i dont plan to do many miles.""

Is it ok to work for insurance company?

is it ok to work for insurance company?

What is the best type of renters insurance available in California?

I want to get renters insurance in California, any good affordable ones available? I noticed nationwide and statefarm are not available here. I am using Geico for car insurance. TIA!""

How much does Missouri Medicaid after insurance?

I have twins and Missouri Medicaid is my secondary after insurance. We had a NICU stay for 12 days. Will Missouri Medicaid cover whatever my insurance doesn't? I'm looking for any ones story's or any information! Thank you for the help!

How much is YOUR car insurance a month?

I know the make, model, and various other factors will affect my future car insurance search, but I'd really like to hear it from real people..if you would be so kind as to share with me? :O)""

What kind of insurance plan covers theft of a vehicle?

I live in Los Angeles and I will soon be getting a 2005 Subaru sti i have been saving up for, but there's a lot of stolen cars in my area so I wated to know what insurance is good and cheap and that covers if my vehicle gets stolen. (I know that if it covers a stolen vehicle it's not going to be so cheap but 20 dollar a month less wownt hurt lol) (I've had my license for 1 year and 1/2 I'm 5 moths from being 18, so I'm still a minor. I've gotten 1 speeding ticket but has been taken care of in traffic school). thanks in Advance.""

Will i still be on my parents' insurance?

So, there were a bunch of changes made to health insurance due to the Health Reform. i heard that the coverage i get from my parents (since i am a dependent) will last until i'm 26 now, instead of 21. we have western health advantage through my mom's work (i think) and live in california (not sure if that makes a difference). anyways, i'm 18 and currently in college. next semester i'm hoping to take off so that i can work full time and save up money so that i wont have to be so financially dependent on my parents in the near future. do i have to be in school in order to still be on my parents' health insurance? i will still be dependent until i get my own apartment and get married, which will be in about a year or 2""

Insurance on 04 STi.?

I am 17 year olds. I have Driver's ed, safety ed courses, and good grades. How much would insurance cost for me?""

What is the penalty for driving with no insurance?

What is the penalty for driving with no insurance?

How much is teen car insurance?

Im 16 and get my license next month. my parents are asking i pay car insurance so im looking for a rough estimate of what it would cost if i have my own car or not. im a girl with straight As and I've never been in any legal trouble. thanks!

What kind of car insurance covers takeaway deliveries?

Hi, I am soon starting a (very) part-time job delivering chinese food one day a week, 5 hours. I have been trying to find out what sort of insurance I need for my car as I am only covered for SD&P. I got a quote for one company who insured for business use, but they wouldn't cover takeaway deliveries! And my current insurer doesn't do anything like it. I know that places like Domino's and Pizza Hut provide supplemental insurance for their drivers, but this place doesn't do anything of the sort and I don't want to get caught out, especially for something like this? Thanks :)""

Car insurance?

Is insurance cheaper on older cars?

""What are the best cars that are cheap to insure, low on tax (highest band D), and quite fast?

This is for my first car 17 year old. Thanks

Car insurance rate for 24/m honda accord 03?

Just wondering if anyone could guesstimate a car insurance rate for me? I recently graduated college and just got my first job making 32,000 a year. I am thinking of buying a 2003 Honda Accord EX Coupe. I havent gotten a ticket or been in an accident, ill be commuting 20 min to work every other week (carpool) and i have ok/good credit (no co-signer required). Any guesses? Thanks!""

How much would the insurance be on a 1993 Acura legend coupe with a type II engine and skyline gtr body kit?

I have a link that shows pictures of the car so please give me your thoughts about what you think of the car itself and how high or low the insurance may be. Here's the link. http://www.cardomain.com/ride/562419/2

Is financial indemnity a good insurance carrier?

Is financial indemnity a good insurance carrier?

Who needs insurance?

Auto insurance is a hit or miss conception with police enforcement doing the insurance company's work for them. Too many drivers have no insurance leaving responsible drivers to pick up their tab. Why don't we tack on 10 or twenty cents per gallon at the gasoline pump to go for insurance. If you don't buy gas for your car, you're not going to be able to drive.That way, if you drive, you automatically have insurance.  This frees up police to do real cop work, cuts down on the cost and makes sure everyone who drives has insurance. Whadya think?

Renters insurance in CA?

Where is a good place to shop for renters insurance?.. and how much shoul I look at paying each month?... Is it a per-person basis, like each roommate pays, or is it per houshold?""

Do you pay a fine if you dont have health insurance in the U.S.?

and in california? i heard that you have to have health insurance or you will have to pay a fee/ fine or something is that true? it doesnt make sense because people who dont have health insurance cant afford it but now there's medicare and obamacare so does that mean you are forced to have health insurance?

CANT GET INSURANCE LOWER THAN 6000 !!!?

I'm really frustrated as i've just passed my test and looking into buying a car and insurance and im quoting on a Vauxhall Corsa that is in insurance group 1 and getting nothing less than 6000 how the hell am i supposed to be able to afford that even with a full time job! its ridiculous i know that im 18 and male which is high risk but even if they said between 2000 - 3000 it wouldnt be so bad for me, can someone please give me an idea of what to do next?! :/""

Ballpark figure on motorcycle insurance?

First please don't tell me to call my insurance agency, that's why I'm on here. I just want an estimate I'm 17, male, it's a 1999 cbr600f4, I don't want full coverage, just liability, I am on excelsior high honor roll at school, I took the msf course, I have had my moorcycle license for a year now, I live in upstate new york. And would be riding leisurely. Any guesses? How much do u pay, how old are you etc. Thanks!""

Car insurance in my name?

. My sister got a new car and wants to get her insurance in my name. Will I be responsible for anything if she has a wreck? Because she has had numerous of wrecks (all being her fault)

Car insurance for a G37?

I am under my parents car insurance, i havent been in an accident and have no point on my record. I also have all a's and b's. I currently have AAA and have been driving for 2.5 years.""

Questions about motorcycle insurance?

I am planning on buying a 150cc scooter in the Spring. In Michigan, my home state, these are considered motorcycles. Also, in Michigan, they must be insured. My questions are: (1) If I am only riding my scooter for three months out of the year, will I still have to pay for insurance during the fall and winter? (2) What is the cheapest motorcycle insurance out there, and typically, how much would I be paying per month? I am a new cycle rider, but have driven a car for 5 years without an accident.""

Any affordable life insurance policies?

41 yrs old now and considering shopping for a life ins policy in the event that something were to happen to me I would want wife and son to be left with a little something to care for house payoff maybe and other things. Nothing crazy but I just want them to have a cushion in case. Any thoughts??

Health insurance help..family of 6?

we got denied Medicaid in our state, said we make to much money. we cant afforded it our works don't have it. where can i go to get at least a RX card or something?? or a place that has affordable insurance?""

What's the average insurance premiun for a Taxi in the US?

What's the average insurance premiun for a Taxi in the US?

What company provides a life insurance quoting engine software to install in an insurance agency website?

I need a software where I can input one (or more) life insurance company rates. Preferably if I have the freedom to input any company and not pre-packaged ones. Thanks.

What is the average cost for insurance on a fuel company?

homework help.

Where can i get auto insurance for cheap?

i have a utah license but live in idaho. i don't want to pay much more than $150 a month.

I want to make sure the insurance isn't too much when I start riding a motorbike- how do I get a quote?

How do I get a quote from the insurance company exactly? I guess I just call them up... but what sort of things will I need to be able to tell them?

Maternity insurance in Texas?

My husband is self-employed and we have previously been getting insurance through my employer. However, I just had a baby and am planning on staying home with him instead of working. We have been researching different family insurance plans - and we have found some plans that are do-able. However, I cannot find a plan that offers maternity benefits. The closest thing I can find are plans that cover you if you have complications - but I need a carrier that provides coverage for the pre-natal visits, labor and delivery and hospital stay. Regardless of the price, this is something we have to have in the future. I am in my mid-20s and will want another baby in the next few years. I was just wondering if there were any companies that were exclusively maternity insurance companies or any bigger companies that offer what I am looking for - maybe a company that I did not see. I appreciate all the answers!""

I'm buying my first used car when I turn 18 next month. How much am I going to pay for insurance by myself?

I just want to know how much money I will have to pay each month for car insurance. The used car is about $5,000.""

MetLife Dental Insurance...?

Does anyone know how this insurance actually works? I got this insurance through my employer (haven't had insurance in a LONG time!!), and from what I'm reading...it sounds like you have to pay for services up front, and then they reimburse you?? Is this how it works, or am I mistaken? I'm so confused, and really want to go get a general cleaning and exam....but don't have the money to pay for it when I go!""

Car insurance help help????????

I will be getting my car insurance in May. I'll be 18 and I have two tickets one rolling fail to stop. One leavening a seen of a accident. I have a 99 s10 blazer 4 wheel drive. Blue I live in mn and in Winsted MN im male two. Can some one just tell me how much it would be. I will be livening at home 2 Dont give me a link just say like a number how much you think it would be. I cant ask the company's cuz im not 18

Temporary car insurance?

i am trying to get my boyfriend insured on my car for 1 week. there are many companies that do tempoary car insurance but i have been told that you can not have 2 policies on one car? i have Fully comprehensive car insurance but my insurers will not insure both of us on my car as we are under 25 so if i went with another insurance company who specialises in short term cover would this cover my boyfriend on my car?

Insurance on a 1.4 car for a 17 year old.?

I recently purchased a saxo furio and was wondering what the insurance would be like for a 17 year old with 0 NCB ect. I haven't passed my test yet and I'm 16 at the moment so cant get insurance quotes. Any ideas?

Can I drive my second car without insurance?

Hi, I bought a second car, the insurance on my first car allows me to drive any other vehicle with the owner's permission. Is it illegal to not insure my second car?""

Which occupation would be best for car insurance purposes?

I can honestly say Retired , Investor , Private Investor Or Self Employed . Considering the fact that I don't drive very much anyway, less than 3000-3500 miles per year would one have a better risk classification and therefore lower rates than the other ? Oh, and Im 47 by the way so not your typical retired type person. (Don't really have a life but that wasn't the question) My liability insurance is pretty cheap but Im the kind of guy that likes to check every 6 months just to make sure Im getting the best price for the same coverage. Thanks ! PS, on a sort of related note, is it a problem if my credit report might not say the exact same thing ? I suspect it may say Self Employed and my former business.""

Range rover sport insurance?

if i wer 2 go out n buy a range rover sport, how much would insurance per year cost me??? im 19, held a full, clean driving licence for over 2 years! my partner would be the main driver, he is 23. held a full, clean driving licence for 5 years! thanx in advance!""

Car insurance confusion?

Ok, I'm 17 and I just moved to Florida with my 18-year-old boyfriend. He just got his license suspended so in a few days I'm going to get my first license here in Florida because I have a job to get to. (I've had my NC learner's permit for over a year) My question is basically, what are my options for car insurance? Can I have my own policy or is my only option to be put on his insurance? Please help!""

Why is my insurance quote 10 times higher than last year?

So, i got my motorcycle license last summer and bought a 2003 Kawasaki ZX6R for $5000. My insurance from Progressive was $1700 for the year (full coverage). I rode it for two months before it got stolen. In those two months i got one ticket for straddling lanes. Once the bike got stolen i got all my money back. Now, I'm looking to get the same bike again. I just called Progressive and they want $6056 per year for full coverage!!!! And if i were to buy a brand new 2007 model it would be $10000!! So, $6056 for a $5000 bike? And $10000 for a $9000 bike? What gives? One ticket and the theft did this? I don't get it. What are my options?""

Who needs insurance?

Auto insurance is a hit or miss conception with police enforcement doing the insurance company's work for them. Too many drivers have no insurance leaving responsible drivers to pick up their tab. Why don't we tack on 10 or twenty cents per gallon at the gasoline pump to go for insurance. If you don't buy gas for your car, you're not going to be able to drive.That way, if you drive, you automatically have insurance.  This frees up police to do real cop work, cuts down on the cost and makes sure everyone who drives has insurance. Whadya think?

Insurance price doesnt change from provisional once passed?

I have been looking at car insurance now for weeks on all of the pric comparison sites and phoneing companys and the cheapest quote i got was 3000! thats on a 1988 mk2 fiesta. i i have a mate who is insured on a provisonal at 17 for 1000, he asked the company how much it will be once he has passed and they said it will stay the same, does this really happen?""

Car insurance for a 19 year old?

I was wondering how much will car insurance be for a 19 year older. Is it more then $300 ah month And should I go to geico, Allstate or state farm""

""Medi-cal, California insurance?""

I'm getting a procedure done covered by medi-cal. I'm married, unemployed, and at the time of the service i need to bring i.d. and proof of income to be eligible.. Well i would have to use my husband's proof of income, his check stub. Can i just present them the proof of income myself, even tho it's my husband's? Or does he have to be present at the time? I'm not sure, because i think he needs to work that day..""

Is it really imperative to get an insurance for a second hand car I've been driving uninsured for a year now?

A lot of my friends have been pushing me but I don't see the need.

Bike insurance vs car insurance?

im 18 years old currently going after my A2 restricted licence and drivers licence, what i dont get is why a 27 year old 1.6L car will cost me 5,500 a year to insure while a 1.6L cruiser bike will only cost me 512 a year

Got ticket for car insurance but have liability in my moms name?

Drove my moms car and officer gave me ticket for no car insurance even though I showed him one under my moms name can I show it in court and get it dismissed?

I am going to drive in a few years can somebody list some cars that are sporty but low on insurance?

please add if you can the insurance rates and the car name thanks!!

Is a 1978 lincoln mark v cheap to insure?

i am looking at a very cheap car to insure. i was looking into one of these classic cars. i currently drive a 1995 ford explorer V6 and its RWD that costs $140 a month on insurance and it gets worse gas mileage than a 1969 lincoln mark iii. as far as i know, this is a 34 year old car and registration is probably gonna cost 50 bucks or less and i live in NH. im 19 and have no tickets or accidents, will the lincoln mark v be cheaper than my explorer. i only have liability""

Massachusetts car registration/insurance?

I need a bit of help here people. Most likely from someone in the Mass area. I just bought a car in RI (Private deal, used). I have a Mass license, so that's where it will be registered. My question is pertaining to where the car is being kept. I work and attend college in RI, so that is where my current residence is. Can I set my insurance to RI where I get my mail, and still have it registered in Ma? Or do I need to use a Mass address for my insurance as well? I called the insurance company and they did not have a clue, and I also called the RMV who just put me on hold for 40 minutes.""

Car insurance question.?

Okay, so if a car has no insurance is it legal to still drive it as long as I myself am insured?""

""New car, Registration and insurance in CA?""

Hey Everybody !! I just got my first car... I just wanna know, do i have to first register the car dmv and then do the smog check ?? should i get the insurance after visitng dmv ?? also, how many days can drive the car without the insurance after buying the car ??? by the way it's used car""

What is the cheapest car insurance?

28 yr old. Just need a car that runs for two years. I want to insure it the bare minimum for the cheapest price. What car is the cheapest to insure? Lets say I bought a 95 civic dx, what company is the cheapest to get insurance from? anecdotal experience is fine. Thanks""

Car insurance expired what to do?

I bought an old car . its insurance expired on 9.7.12. how can i get it insured again?

Average living costs for a UK 16 year old girl on the following things?

Ok, I'm planning to move out at the age of 16 and go study at collage in Poole 3 day's a week and also have a few job's on the go to! I'm looking at roughly the living costs (Rent, food, Car or transport, Car Insurance, TV Licence and Internet Bills ect.) Website links would be brilliant and any advice would also help! Also If I could get any help financially by the government for paying the rent as i won't be earning much, about 7,000 a year? Many thank yous in advance :) I'm figuring the earlier i start budgeting, the better""

Instead of buying auto insurance is there a way to just have a savings account just for $coverages?

So all US states require all cars on the road to have insurance ... since insurance is just dollars put asside for release in the event of emergencies or other pre-determined event ... why cant I just put $100,000 into a bank account and call it my auto liability account and have my car insured with the state under my name providing that I don't touch those funds?""

How much would my insurance be?

I'm thinking about buying a 2000 Dodge Intrepid R/T. I'm trying to determine if I have the money, though, and I'm not sure how much my insurance would be. I'm an 18 year old female, I'm a student and I work part-time, and I have a squeaky-clean driving record. Can somebody please give me an estimate of how much my car insurance payments would be? Thanks!""

25 yrs old and buying life insurance?

Hi guys thanks for reading my question. I am 22 yrs old and my husband just turned 25.We have been married 6 years and have 3 kids. He works in construction and my question is.. Is 25 too early to look for buying life insurance?? If not, what companies would you recommend? Im extra new to this, this will be the first time we have looked for life insurance for our family. Ashly""

Cheapest moped insurance? UK!!?

I've just purchased a moped and would like to know what you people thought was the cheapest insurance provider for me to go with. thanks

Please help me find some affordable medical insurance in Georgia.?

I need medical insurance for my wife and two kids. Can anyone point me in the right direction? Thanks so much.

Average cost for motorcycle insurance in massachusetts?

Does any one know what the average cost is to insure a motorcycle with normal driving record

How much would the car insurance cost on an 87 Jeep Cherokee?

Trying to get info on what Im looking at insurance wise on the car Im interested in. Its an 87 Jeep Cherokee 4 wheel drive. Completely stock other then that.

How much will my car insurance cost me?

I am 18 years old, I just got an 07' Chevy Silverado and I need insurance tomorrow, how much do you think it'll be monthly? Also how much would it be if I got on my dads or grandmas insurance? I need cheap! haha""

How much will my auto insurance premium decrease when...?

I turn 25 in a year, which I heard is when my auto insurance will go down a good bit. My wife will be 22, and we are on the same policy (We only drive our own cars). We both have clean driving records, good credit, and consistently held auto insurance since we were of driving age. She has minimum coverage on her car, and I have comp/collision with $1000 deductible. Our premium is $755/six months. So, when I turn 25, how much of a decrease in premium should we expect to see?""

Insurance payments for a car?

I have a 2007 nissan altima sedan. Obviously 4 doors, v4 engine. And I wanna know how much I would pay for insurance a month. I have mercury insurance and I want a rough estimate. Here's the thing. I'm 18. And a guy. (Idk if that matters) but since I'm gonna pay for the insurance. I wanna know a little more info on everything.This isn't my first car. I had a 92 Honda Accord and my mom told me that my portion was a little more than 200/more. I read that they may charge more for cars older than 1997.so if any one has experience or if they are dealing with the same issue I'm having. Any info would help. Thanks.""

Insurance auctions/Salvage yards websites???

can anyone tell me good websites that sale salvage/insurance auction cars ......i live in south texas........

Who needs insurance?

Auto insurance is a hit or miss conception with police enforcement doing the insurance company's work for them. Too many drivers have no insurance leaving responsible drivers to pick up their tab. Why don't we tack on 10 or twenty cents per gallon at the gasoline pump to go for insurance. If you don't buy gas for your car, you're not going to be able to drive.That way, if you drive, you automatically have insurance.  This frees up police to do real cop work, cuts down on the cost and makes sure everyone who drives has insurance. Whadya think?

https://www.linkedin.com/pulse/how-much-insure-aston-martin-andrew-solomon/"

[blog-optimisticcoffeestuden-blog]

What is cheap auto insurance?

"What is cheap auto insurance?

What is cheap auto insurance?

BEST ANSWER:  Try this site where you can compare quotes: : http://freeinsurancequotes.xyz/index.html?src=tumblr 

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Where can I add my name to health insurance waiting list and what are average waiting times?

In our state we imposed rent controls 10 years ago to help the poor with more affordable housing, and apartments available for rent disappeared from the market for some mysterious reason. I spent 6 years on a waiting list and still my turn never came. To tell you the truth almost all vacancies are filled either through bribes or nepotism. One week ago our Governor imposed price controls on health care insurance premiums to help the poor with more affordable health care, and policies available for purchases disappeared from the market for some mysterious reason.""

Does Florida auto insurance have some sort of new windshield coverage?

I need an arguement solved. i was on interstate and some rocks/debris flew off truck in front of me and damaged my windshield. everyone keeps telling me that my insurance will cover the windshield to be replaced but I do not see this in my policy at all. I only carry the basic minimum needed to insure car. Is there something I am missing or does anyone what these other people are talking about? I do not carry comp or collision.

Why do we need basic health insurance?

Health insurance should be for serious issues that require surgery or hospitalization. Why do I pay insurance to get a checkup or for routine visits? The problem with health insurance is it is too broad; therefore, it is too big. The idiots who say that car insurance is mandatory as an argument for mandatory health insurance leave out that it is only LIABILITY insurance that is mandatory. You are not required to insure fixing your own car if you choose not to. Think about how much more expensive it would be to take care of routine things like car maintenance, appliance replacement, etc., if they were handled through an insurance company. The answer seems to be to eliminate most of the unnecessary insurance and shrink it to only what is required. That along with serious tort reform would eliminate much of the red tape and cost. The person who abuses their things pays more to replace and fix them. Same thing with the fat people, who suck up most of the insurance money the rest of us pay.. If you choose to be fat, then you will pay more to repair your health. It seems pretty simple, but then again the current proposal is not really about health care is it???""

What is cheap auto insurance?

What is cheap auto insurance?

Is it up to age 26 or through age 26 for insurance coverage on parent's plan?

With health care reform, young adults can now stay on their parent's insurance longer. Is it UP TO the day they turn age 26 or through the age 26 that they are able to have the coverage?""

Insurance question HELP PLZ?

On the insurance to get a quote, it says to list all the violations within the last 3 years. I have got one speeding ticket but was cleared because i took the Stop Class. So do i have to put this down as one of the penalities""

Insurance Car coverage?

My car got flooded bacuase of the Hurricane IKE in the houston area. The current market value of this car is 9k but I still owe 13500 and I do not have GAP insurance. I had an offer for this car three weeks before the hurricane for 12k. As we all know insurance will only pay what it worth now. What are my possibilities for having the insurance pay it off sice this was a natural disaster.

How much would my monthly car insurance cost?

how much would i have to pay per month for my car insurance? i know its an estimate.. but will it be around like 50 dollars a month? or 70 or 100? i am a 16 year old female driver, its my first car. its a convertible. thanks for the help!""

Can a 19 year old get cheap car insurance on a 20 plus year old muscle car.?

O.K. i know these cars are expensive to insure in most cases but i am wondering if there is any possible way i can get cheap insurance on such a car. There is also the fact that this will be a daily driver . also if anyone knows if a modified car will be more to insure. im looking at a 1974 Camaro with a 454 Modified or a stock 1974 AMC AMX. Thanks Jay.

Average insurance cost for teen drivers in Ohio?

Can anyone give me an estimate by any chance? I know the best way is to just get a quote but right now I'm trying to get some figures up there before I convince my mom into getting a quote.

Sell Life insurance in Georgia from Florida?

What do I need to do for me to sell Life insurance in Georgia if I have a Florida License and I live in Florida? Plus, How much will it cost?""

What insurances do I need?

Setting up a dating agency on line

Auto Insurance Coverage - How much coverage should I buy?

Next week, I'll be switching to another auto insurance. My previous limits with another company were: -minimum MD state 20/40/15 for Bodily Injury, Uninsured Motorist, and property damage -PIP $2500 -250/500 for Comprehensive/Collision, had road service, towing, and rental. I don't have many assets. I'm a renter and I live from paycheck to paycheck. I have no accidents, no tickets, and no violations for the last 8 years. I'm a cautious driver. I drive a 2003 Honda Civic. The new insurance company is offering me $759/year for the limits 100/300/100 Bodily Injury Liability and matching for Uninsured Motorist + Property Damage, 250/500 for Comp/Coll, road service, towing, and rentals, PIP 2500. I've seen different answers that say 100/300/100 would be better for those who own a house and have a better income. What do you think is a recommended coverage going?""

How much should a insurance company pay for a car accident that left me disabled for the rest of my life?

I have had 1 surgery and may need another on my back. I can no longer do the things i use to enjoy. I have a 7 year old that I can't do the things i use to do and should be able to. I'm now on pain management. The pain and suffering goes beyond just the usual. I just want to know what i should expect from the insurance company beyond my doctor bills?

Cheapest auto insurance in CA?

Cheapest auto insurance in CA?

I dented my friends car. can my insurance cover it?

i accidentally kicked my friend's 2011 Camry SE's back side door. He treats his car really well and i know it really upset him. I was going to pay for it, but when we took it to the toyota shop, not only was it $2000 but they also need to keep it for a week. He would need another car to go to his full time job and full time school, so he asked if my insurance could cover for it and give him a rental car. My insurance is in my parents name so i want to know whats going to happen before i decide to ask them. Anyone have any knowledge about this? Thanks.""

Do foster kids get health insurance? Any insurance?

suppose a adoptive kid w/ parents w/no health insurance. the adoption gets dissrupted and now they live in a foster home.

How much will insurance cost me?

I am 16 years old. I live in Skowhegan Maine, 04976. I will be driving a 2000 ford taurus. I completed drivers ed. My own policy, no parent to go under.""

Insurance for polyp biopsy?

Hi.my aunt is 41 years old. She is really concerned she might have cancer, which I hope it's not. She had no insurance but wants to find one do she could get the necessary test done. She already got one test done that showed she had an hernia in her stomach, but that's not what she is concerned, she is more concerned because they found polyps in her stomach and also neck. Idk if my facts are right,I don't even know if u can get them in your neck.anyway she needs to get them biopsy to see if there malignant or not. What is a good insurance that isn't so expensive andshe can get a quote of. We live in California.and shell just be getting insurance just for herself. Or what can she do to get this procedure done. are all polyps cancerous""

Pulled over by the police today without no insurance and no driving licence in the uk?

today i got pulled over by the police without a driving licence and no insurance the car had insurance but it was in my moms name and i only had a provisional license how much points will i get for that and will i get a band?

Insurance wants to total my car?

We got rear ended couple of days ago, some bumper damage and chipped paint. According to the repair shop there is no internal or inside damage to it. Nether the less it would cost about $1000-1500 to fix it (bumper would be replaced). I have 1995 Toyota Corolla DX, and it drives great. I really love it, and didn't plan on getting rid of it. The garage is saying that once we submit the claim, chances are Very high that the insurance company would just total it, because the car is old and has 277.xxx miles on it. We wouldn't get a lot for it, not enough to buy another car for sure. And to drive it with the cracked/dented bumper I don't want either. What to do so insurance will not to total it? We just have done some work to it, and all that money would be wasted too! I'm so lost!!!""

Cost of insurance for minor with acura rsx-s?

oh fyi I am not trying to get my own insurance plan I am adding on to my family's

Which car insurance agency is best for me?

Which car insurance agency is best for me? Please guide me.

Where is my car insurance?

Which insurance campaign insured my car

Got ticket for car insurance but have liability in my moms name?

Drove my moms car and officer gave me ticket for no car insurance even though I showed him one under my moms name can I show it in court and get it dismissed?

Could someone tell me what is needed to create a car insurance comparison website? Thanks?

Could someone tell me what is needed to create a car insurance comparison website? Which programs would i need to use and to create what part? Thanks for your time

""Does anyone know how much Plan B costs without insurance at the Flagstaff, AZ Planned Parenthood?""

Also, does anyone know, if I were to use my parents insurance, if they would find out that I got Plan B? I really can't let them know about this... please, I need helpful answers. Thanks so much.""

Rough estimate for Car Insurance Cost For Second Year?

Hi peeps. I Have a question about car insurance. I am basically looking for qualified guesses from people who have previous experience with this sort of thing. I am a first year driver. Im 21 and i passed my test in early August and was driving straight away because i had bought my car the month before hand. The car i own is a 1.4 Ford Fiesta Zetec 2002. I paid around 1250 for the year for insurance and i did it through Quinn Direct. My question is, does anybody know a rough figure of what it might be next year baring in mind i have never claimed? I have tried running new quotes on comparison websites but they are based on new customers and all come out at around 1500 to 4000 If anyone has used this company or even another company and situation was similar could you please tell me the rough figure of what it was reduced to/from just so i can maybe have an idea of what to expect Any help is greatly appreciated. Cheers :)""

""What is a reasonable auto insurance liability amount, i don't believe the current legal limits are enough?

Florida State Required auto insurance limits are not nearly enough insurance to carry especially if you live in a larger city in florida. What is a good acceptable liability limit to carry on my vehicles?

What is cheap auto insurance?

What is cheap auto insurance?

Can i do this with my car insurance?

am actually going to be out of the country for 6 months for some work purpose my car is just going to be sitting there in the garage during this period is it ok for me to change my car insurance from full coverage to just the basic.. is this a good move so thati could save some on my insurance can i tell my insurance the above ..or will they cause any issue because of this

Car insurance 19 year old better to get insured on car with parents as registered owners?

My dads car insurance will not insure me on his car even though its a Peugeot 106 1.4L engine. He says that it is cheaper to insure me if the car is under his name but that will require him to change his insurance company. Is it even the case that the insurance is cheaper beacaure when i select myself asa the registered owner of the vehicle and legal owner the price that they quote is the same. So, of i buy a car does he really need to be the registered owner?""

What's a good website for comparing auto insurance rates in Massachusetts?

I don't feel like paying $2,000 for insurance on a car that's worth barely that, but I don't know where to find a better deal. Any good resources for comparing rates? I'm in Massachusetts.""

Car insurance help needed?

For reasons I do not want to discuss here, my car has not had auto insurance on it for about a year, it has not been driven only set in my garage. I am trying to get insurance on it again so I can drive it again, but because I put I have not had insurance for a year the monthly payment is not manageable, if I put that my last policy ended a week ago and get a policy online will I need to show proof of this or is there another way to get insurance and not have to pay such high premiums?""

Pulled over for no insurance but do have insurance?

today i got pulled over and couldn't find my insurance. i finally did find my insurance but the cop didn't want to write a new ticket. he said that i could take a copy of the insurance to the clerk at the police station and they would void the ticket. is this all correct?? also does this no anything to my insurance or points on my license. i live in missouri.

Is There A Way Of Finding Insurance Prices Without Owning A Car In The First Place?

Ok ill explain it better here. I'm after a car but i will need to know how much the insurance is for different cars. So for example if i wanted a car in insurance group 2, could i find out how much that specific car and insurance group would be for me? I know there's go-compare and all the other comparison websites but they are expecting you already have the car and just need to insure it. I need to know the prices before i get a car so i know i will have enough! Help please? Cheers""

How much money will the insurance pay for a stolen car?

Someone stole a family member car. The car is a total lost. How much will the insurance pay for the car. Is a Honda Civic 2006.....if i go to Edmund.com, or one of those sites I saw the car is worth about 12,000 dollars....... How will he know how much money he will get from the insurance company...thanks..bye""

How can you figure out how much insurance will cost before buying a car?

How can you figure out how much insurance will cost before buying a car?

What is a Cool looking car but cheap on insurance?

I am looking for a sporty looking car but not actually considered a sports car and is cheap on insurance. I like a Dodge Stratus and Dodge Intrepid type looks IS there any Cars that Have the cool look but Is cheaper on insurance I know they exist but could you give me a list PLEASE THANKS FOR THE HELP

""Can i get my medical insurance to pay for surgery to correct a covered surgery, if coverage lapsed meantime?""

In 2008 I had insurance in California, through my employer. I got laid off in June, but was on COBRA in Sept. 2008, when Blue Cross authorized me for gastric bypass surgery. In Oct 2009, owing to a dispute over COBRA payments, my insurance lapsed. As of Nov 1 I have no coverage, and new insurance through my wife's Kaiser won't start until Jan 1. Yesterday (Dec 23 09) I had to go to the ER due to abdominal pain that turned out to be a complication of the 2008 gastric bypass. Last night I had a CT scan and emergency surgery to correct the problem. Blue Cross rejected the claim, which of course makes sense and pushing it through was just a formality anyway. But today I wondered if, since the procedure was covered originally, would surgery to correct a complication be covered by law even if my insurance lapsed? I know I'm grasping at straws here, but it seems like it might be worth a consultation with an attorney to find out. I think this surgery is going to run to $40K or more. It was a simple laproscopic procedure, but y'know nothing's cheap. The original bypass was billed to Blue Cross at $38K. I know it's not like defect liability, since a surgeon can't guarantee there will not be complications. Also, I know I can't expect free legal advice here. But if someone knows for sure or has thoughts one way or the other would be helpful.""

Do I need to purchase additional insurance for a rental car?

I have my own insurance with good coverages. I am going on vacation and renting a car. Do I need to purchase the additional rental car insurance that they always offer you? Will my car insurance cover me at all in the event of an accident?

How do you compare insurance for Yamaha R6 and Ninja 300?

I just want general idea of motorcycle insurance cost between these two bikes.

State Farm Insurance Bithday Gift?

Okay, Strange question- Every year I recieve a letter in the mail from State Farm Insurance Angency to celebrate my birthday. They say that if you stop by the office, they have a free birthday gift for you. My family and I figure it is probably nothing good, just a calendar or something cheesey, but we can't help wondering what it really is! If you know what it is, do you mind eh, tell me?? lol Thank You!! :o)""

What are some sites to do a comparison on car insurance?

I'm a 21 year old college student and a worker at a fast food restaurant who lives in California. I'm planning on getting a car soon in the future but I want to find out on where I'm at when it comes to payments in car insurance. Is there any comparison sites that can provide me at least some general ideals when it comes to car insurance payments?

How much should I expect my car insurance to increase?

I got a 34 in a 25 in Virginia. I'm 19, and this was my first offense. Currently, I'm on as an occasional driver because I'm usually at college. Thanks.""

Where can I find drivers programs that will help me lower my car insurance rates?

I am a high risk driver. I am 20 years old, and would really like to lower my monthly payments. Could you please tell me of any programs in Kansas or national programs that I could participate in that would lower my insurance? BTW, idk if it matters but i get my insurance thru dairyland.""

What cars are cheap to insure in england?

im 19 and have had my license for 2 years and im looking to buy a car. I want a 4 door car but really don't care what it is as long as it is cheap. So i would like to know if there are any particular cars that are known to have cheaper insurance, thanks.""

Insurance rates????

my insurance is way too high...I have insurance with a nationwide company....and I have to have full coverage because I'm financing the vehicle. My question is..where can I go to find some cheaper insurance? I heard that smaller companies around where you live usually offer cheaper rates? Is this true?

Advice regarding car insurance....I am new to it all?

Could someone please explain to me how the costs are decided, im aware the younger you are the more it will be (im 18 :/) but which cars fall into which category ? Any sites which will show me ? Also any advice on what is a good 1st car ? can anyone suggest a site where i can do comparisions regarding the car/insurance cost/insurance group etc because when i search nothing useful is coming up""

Is car insurance cheaper for a 2008 Honda Accord then a 2005 Honda Pilot?

I'm considering trading my 2005 Honda pilot for a 2008 Honda Accord do you think my insurance would go up or down?

Insurance for mercedes glk350?

I was wondering how much it would cost to insure a 2011 mercedes glk 350. I am looking to buy a new car

Live in different states then parent: Car insurance?

Do I have to live in the same state as my dad to have my car under his insurance? I live in NC and he lives in SC if that makes a difference. Thank you!!

Is it any wonder so many 17-30 year olds are driving around without insurance?

This is obviously the fault of the insurance companies for pricing them out of the market with their ridiculously high quotes

How much does is cost to become a driver in the UK?

I'm weighing up the pros and cons of learning to drive over my reliance on public transport. I want to take account of everything, (insurance, cost of average car, etc). I figure 20 for provisional license. About 800 for lessons (40 x 20), plus another 150 for the test, 50 for the theory test. What other things do I need to consider each year? (I'm approximately 30 years old, if that matters)""

My car insurance company has asked me for my proof of no claims?

But i either can't find it or it was never issued to me from my last insurer. what do i do? now my policy has been cancelled and need to set up some temporary cover. I have 4/5 years no claims.

What is cheap auto insurance?

What is cheap auto insurance?

What is the best car for insurance prices for a male driver under 25 in Ontario?

I am looking to buy a car and I know insurance will be expensive because I am a male driver under 25. I want to know which car would be the cheapest to insure in my situation. I have no tickets and no points. Clean drivers abstract.

When we ask for AFFORDABLE health care?

maybe we should control the Hospital, Doctor, and Insurance company's cost. That would bring it down. Then the government wouldn't have to get stuck with it all.""

CHEAPEST CAR INSURANCE IN CANADA!!!?

LOOKING FOR THE CHEAPEST INSURANCE /BROKERS IN CANADA

Can I drive an insured car without insurance?

I got my G2 a week ago and I was wondering if I can drive my parent's insured car without being listed as a driver. I drive very safely and I've never received any ticket but my insurance quotes are insanely high, especially because I am a guy. I really can't afford it and neither can my parents. Some people say I can still drive and some say no and I'm very confused. Please answer if you know for sure. Thanks in advance""

I was in a car accident that was not my fault. Does my insurance go up?

This guy in front of me backed into my front end at a stop light. We both got out and he tried compromising. I refused and called the cops and took down his plates and the make of the car. Good thing I did because he left right after I called. I think this guy may have been illegal he didnt speak english and was very eager for me to not call the cops. I felt bad but my car is really messed up. Is my insurance going to go up? If so how much?

Need help with car insurance!?!?!?

Alright, so I'm getting a car soon and I'm checking out insurances and I can't believe how #%@$ing expensive it is!!! I know I'm 19 and I'm a male so I will have expensive insurance but c'mon, they're basically wanting to charge me like almost 400 dollars a month!! Does anyone know what insurance companies are the cheapest? I already checked esurance and aigdirect. I have a daughter so I don't want just liability, I want good insurance.""

How can i find a low cost insurance for my car?what are deductable and premium?

i have a insurance for my car and i want to know if i can pay less for the same coverage (basic or minimum)

Car insurance problem??? what can I do?

hello I been paying my car insurance for years know the day I had a car accident (which I am 100% not guilty) I notice that the vin # on my car was not the same vin # on the insurance I was paying my insurance made the correct change and did respond with my coverage but I don't think is fare for me to had been paying so many years for the wrong car what can I do? can I sew them or make any legal thing to get back my money for irresponsibility and there mistake? they said it was my fault for not checking the documents but we all know that when we open a car insurance policy we bring all our documents in including the car title and they type it in . please answer if you only know the answer this is not a place to be playing around and not answering right to be earning points only THANK YOU

Insurance for an 2008 xb?

if i get a loan for a car through a credit company ..in order to get my insurance rate to go down can i put my dad as a driver? i mean as far as the dealer is concerned its paid cash since its paid with a check but my question is does my dad have to be on the loan to be the primary driver and me be secondary? or do i have to be primary..ive never been insured and in 22 and my dad cant buy the car because he has a pending social security thing..help!

I am foreigner 68 jear old Can i buy one insurance for hospital in Cebu?

I am foreigner 68 year old Can i buy one insurance for hospital in Cebu ?

Life Insurance at a young age?

Im 18 years old and I recently open a life insurance policy with Wells Fargo and I was wondering if i was a good idea at such a young age, if the price is right.. $18.90 a month and if i was a good decision.""

Can someone who smokes marijuana get affordable life insurance?

Can someone who smokes marijuana get affordable life insurance?

Carr insurance with 2 years clean driving record?

I am planning to buy a used car my Driver liscence is 2 years old with a clean driving record i am wondering will i have to pay a lot of insurance or just minimal based on my record and DL. Please suggest which is a cheap insurance option

Will car insurance cover in case my friend crashes my car?

Will all kinds of car insurance cover a case when a friend borrows a car and gets in an accident? What do i need to look for in my policy to make sure that my car is covered even if someone else other than me drove my car.

Can a Canadian Citizen buy car insurance in America and how?

Is it possible for a canadian citizen to buy car insurance in america, if so, how does he do that? My brother lives in america and I live in canada, I want to get car insurance from America as it is cheaper. Is that possible and is it legal?""

Might be pregnant need affordable med insurance?

Im 18, my parents don't have any kind of insurance, I might be pregnant(my parents have no idea), I am in the process of getting a job as a Habilitation worker but they don't give me any insurance. what should I do?""

Will my car insurance rate be based on how long ive been insured or licensed?

I have been insured on several cars regularly since getting each permit (the law in my state, even though I only had a permit, and went through about five permits) and I just got my full license (finally). My license number is the same as it was before when it was on my permit. Which one will my future insurance rates be based on? Length of time insured or length with a full license? Thanks""

Cheap scooter insurance in UK?

In February of next year I will be buying a 50CC scooter and taking my CBT, What would be the best companies to go to for cheap insurance? I'm planning to pay in a lump-sum :) thanks""

Teen Insurance?

what is the cheapest insurance for a teenager who just got their license. i know you cant put a price on your childs life but i need something affordable. $200 a month something like that. I live in Northern California bay area

What is the yearly insurance rates for a street bike/rice rocket?

What is the yearly insurance rates for a street bike/rice rocket?

Do you approve or disapprove of the Affordable Healthcare Act?

And do you want it to become a reality or to disappear?

Cheaper car insurence for me?

ok so im 19 in october. and everywhere i look my insurance will be a minimum of 2800 a year if i had a 1.2 corsa. however if i went on my mums 2.0 tdi passat with her max no claims it will be a min of 3000 a year. why is this?? anyone know any loopholes or cheaper sites???

How much is your insurance (4 cyl cars only)?

I am thinking about getting a saturn sc1 and just wondering how much my insurance will go down. right now I pay $100 a month for a v8 88' mustang convertable. Thats pretty cheap for a mustang I hear and I just want some people are paying for newer 4cyl insurance.

Will criminal record ( petty theft) effect my car insurance?

Will criminal record ( petty theft) effect my car insurance? My husband who does my car insurance doesn't know about my pending criminal charges. Will he find out when he will renew my insurance? Or any another consequences? ( I'm stay-at-home mom so I won't be applying for work)

Can an insurance company raise your rates if you're not presently insured?

I sold my car November 2011 and cancelled my auto insurance. I'll be getting another car this April. I've found a different insurance company with good rates. If they find out I'm not presently insured can they raise my rates?

What is cheap auto insurance?

What is cheap auto insurance?

https://www.linkedin.com/pulse/best-place-get-multiple-insurance-quotes-bailey-wiley/"

[yourrainycollectorhologram-blog]

Dixon California Cheap car insurance quotes zip 95620

"Dixon California Cheap car insurance quotes zip 95620

Dixon California Cheap car insurance quotes zip 95620

BEST ANSWER:  Try this site where you can compare quotes: : http://financeandcreditsolution.xyz/index.html?src=tumblr 

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Is the cost of car insurance increased when you drive a coupe as opposed to a sedan?

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Hi there, Im hoping to take my driving test very soon do I have started looking at second hand cars. I have typed a couple into comparison sites, but seem to be getting 2000+!! I was just wondering if you could give me a list of cars 1litre or 1.1litre that would be cheaper to insure. Im 27 and have 2children, if that makes any difference to insurance? Thankyou""

How much is average tenant insurance?

I'm doing this project for school and I have to pretend I'm renting a house for the first time so i need to figure out all the costs and stuff. What would be the average price/month for tenant insurance? if it helps, i live in BC, Canada.""

Hardtop convertible increase my car insurance?

I know your car insurance increase with a convertible, but will it also increase as much with a hardtop convertible? I was thinking of getting the VW Eos, does anyone have one? Is it a good car? The other car I have been looking at is the Ford Edge but everyone tells me Ford vehicles don't whole their value? What you think I should get?""

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Insurance agent won't write the homeowner's coverage she wants?

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How much are you paying for car insurance?

How much are you paying for car insurance?

Can I get car insurance without a valid driver's license in the state of Delaware?

1. My License was suspended due to an ERROR that involves the Division of Child Support Enforcement... 2. My Ex-Husband said he will pay for my car insurance if I transfer the car title & registration into my name (knowing that my license is temporarily suspended). 3. * My Ex is a Wilmington Police Officer in the state of Delaware. * 4. I believe my Ex knows that I will not be able to get car insurance (due to the fact that he is a Police Officer), therefore, that is why he is willing to pay for it. 5. Any help will be greatly appreciated!... Thank You!!!""

Can I get Idaho car insurance if I'm a resident in Cali?

I'm currently a resident in Cali and my car is registered there. Can I get Idaho car insurance without becoming an Idaho resident because I don't want to register my car in Idaho or become a resident because I'm just going to school in Idaho for a few more years.

How can a non BC resident be on a car insurance (ICBC)?

BC only has one choice of auto insurance, ICBC (gov't run). And ICBC is not flexible and so expensive. I have a car insurance from ICBC on my car, but they told me that when my boyfriend who has an international driver's license cannot drive my car under my insurance. I thought about renting a car so he can be insured and drive. But ICBC's rental car insurance does not cover non BC residents either. So how people who visit BC from other countries travel and be insured to drive a car??? Any information will be much appreciated. Thanks!""

Is there a cheap auto insurance i can get while i have my learners permit?

Its like you have to have insurance to buy a car, but you have to have the car to take the drivers test. So im really confused, and i need to know if theres protection for me while i have my learners permit?""

Mustang gt insurance be liability only. i own car?

how much will it be to put liability insurance only on a mustang gt 2002. I own the car and im 16 male

Which life insurance company to choose?

I need better life insurance. I am so afraid of something happened to me then my husband or son to have nothing but my debt. Or if something happened to both of us then our son would be left with nothing except enough to cover funeral. I have NO idea which company to even start with. There are sooo many. Metlife, Prudential, Allstate........... I dont even know how much would be a good amount. $100,000....$200,000? Help, I have never done this before. I have just the crumby policy through my employer and its only like $7,000 or $10,000 or something.""

Why do we need basic health insurance?

Health insurance should be for serious issues that require surgery or hospitalization. Why do I pay insurance to get a checkup or for routine visits? The problem with health insurance is it is too broad; therefore, it is too big. The idiots who say that car insurance is mandatory as an argument for mandatory health insurance leave out that it is only LIABILITY insurance that is mandatory. You are not required to insure fixing your own car if you choose not to. Think about how much more expensive it would be to take care of routine things like car maintenance, appliance replacement, etc., if they were handled through an insurance company. The answer seems to be to eliminate most of the unnecessary insurance and shrink it to only what is required. That along with serious tort reform would eliminate much of the red tape and cost. The person who abuses their things pays more to replace and fix them. Same thing with the fat people, who suck up most of the insurance money the rest of us pay.. If you choose to be fat, then you will pay more to repair your health. It seems pretty simple, but then again the current proposal is not really about health care is it???""

What is the cheapest car to insure for a newly passed driver!?

im only 16 at the moment however i want to learn to drive asap. what car would look good as well as having cheap(ish) insurance. who do i insure with?

Is there some sort of reason that Car Insurance costs so much more in Nevada than it does in California?

Im looking into moving, and I cannot help but notice that the quotes I am getting are, well, DOUBLE what I pay in California. Granted, I am a 23 year old male and have a decent driving record, it is kind of shocking to see liability only coverage quoted at $250/month for my two 8 and 12 year old cars, when Im paying $125/mo. as of now in California for the same 100/300 coverage. Can someone explain this? I have some friends that have moved to Las vegas, with the same shocking increase in premiums... (And yes, I need the 100/300 since I own a home)""

Insurance for a 16 year old. ?

I turn 16 on December 30th, and i can get my license on January 4th. I know insurance costs less if you have a 3.0 or something like that in California, thats the state i'm asking about. Our new semester starts when we go back to school on the 3rd or something like that and i will have all a's. I was wondering if anyone knew if they look at those grades, or the final grades from the semester before? this is for the deduction on the insurance, anyone know?""

Do I need car insurance...?

I have a car that will not run at my residence but is still in my name. Do I still need to have car insurance on it? I have a personal insurance that just covers me but not on any specific car. I live in Florida if that helps.

Dixon California Cheap car insurance quotes zip 95620

Dixon California Cheap car insurance quotes zip 95620

Will my wreck affect my dads insurance rates?

I'm on my step dads insurance on his buisness truck. If I got into a wreck would it affect his insurance rates or just mine.

Can you get medical insurance on a motorcycle?

If I were to buy a bike could I get medical insurance on the bike that covered any injuries that I could get if I got hurt on the bike. Also how much do you think it would cost? Any web sites I could go too?

Cheap car insurance with different situations?

HI I have one car at the moment. I am looking to buy another one for my wife. I want to know how will it work out cheap to get both insured. is it 1) If we both can drive eachothers cars? 2)we have seperate insurances on our cars and we can not drive eachothers cars? 3)I can drive my wife's car but she cant drive mine.? Also how can we protect individual no claim bonuses aswel. Thanks

Insurance for honda civic?

Does anyone no how much insurance is for a Honda civic, I am 17. Do i have any hope of getting any?""

""What is the best Health insurance, with good maternity coverage?""

I would like to get insurance before I get pregnant because I know they won't give it to you when you're pregnant. So I would like to know who has the best coverage, hospital, pre-natal....etc! Would really like to hear from mothers, and there experience with the providers!!!! Thanks in advance""

Allstate Auto insurance?

I tried to pay my mom's car insurance today and it said that the account was terminated. How do i get the policy reinstated?

If I put a 1 million dollar life insurance policy on myself then I pay for 3 months then get hit by a car?

Alright so if I get hit by a car after 3 months of having life insurance and I die does my beneficiary get the 1 million?Or will that person only get how much I have payed with the payments?

Question about car insurance...?

im trying to figure out if im being ripped off by my parents. i pay $200 every month for car insurance because that's what my parents tell me it is. I got one speeding ticket for going 14 mph over the limit and in 2 minor accidents. no damage to either cars. my question is am i being ripped off? I told some people that i pay that much and they said there is no way your insurance could be that high. help me out please?

Company car insurance?

Hi Can anyone help me re company car insurance I am currently getting a company car and now under the companies insurance, so dont need my own private insurance. I currently have 9 years NCD. I am now worried, what happens if I leave the company in a few years time, do I have to start from scratch again with no NCD, or can I still use my 9 years NCD anyone know (I have read they are valid for 2 years) I have asked Direct Line (my insurer) and they cant give me a straight answer, I get something different each time. I wanted to know if I was involved in an accident with company insurance I appreciate I have to state that when going back to private insurance but if I had an accident and had no NCD my premium would be sky high which I find unfair if I lose my 9 years NCD as I have not actually taken a break from driving. Does that make sense? hope someone can help me Thanks, Steve""

How long are car insurance companys supposed to provide a rental car for?

i have a 2004 chevy caviler that is completely paid for and some guy ran into the back of my car yesterday. It's completely crushed in. i have liability and he has full coverage progressive. I contacted his insurance company and they want me to pay 18 dollars a day to rent some stupid little kia shouldn't he have to pay for it till my car gets out the shop or claimed totaled and i get some money to replace my car. help me out as much as you can 10 points to the best and most detailed answer

How much is a car insurance ?

Just roughly ? Thanks

Car insurance for student under 18?

i wanna know how much insurance cost in one month, if i'm an international student and i buy used car, my insurance isn't related to any one... thank you""

How much will my insurance go down if i am on my dads policy ?

Hi i have just passed my test and obviously looking to get a car, i will be most probably having a friends car as he is getting a new one, its a 1.6 W reg Citroen saxo, if i have my own insurance (third party only) its around 3500.00 which is well out of my price range, if i did go on to my dads or moms policy, how much less would it be roughly, my dad lives in a nice area but did lose his licence for 3 months a few years back, my mom lives in a mediocre area but has no points and no history of any problems, i am 19 and i work as a clerical officer if that helps at all :S""

I got a ticket in my friends car..will it affect her insurance?

okay so yesterday i got a ticket in my friends car..and the cop said i might have to go traffic school or i might just get lucky and just have to mail something back when my ticket comes into the mail hopefully that's wat happens but anyway im just wondering does my getting a ticket in her car mean her insurance goes up? or anything happen to her sinces its her car?? i havent even told her i got the ticket yet lol i was hoping that i could just hide it but my friend said her insurance will go up because of me :(

How much cheaper is bike insurance (if at all) than car insurance?

i am 18 and am torn between the two, i will go for the cheapest option. as none of my parents can drive i cant be put on one of there policies :( so id have to start from scratch. if i am to insure a bike im lookin at insurance for a bike of 125 cc.""

""Low Rate Auto Insurance, Help PLZ?""

I just bought a car today Ford Explorer 2001, high mileage. I never been insured before, do you know which is a best insurance company with lowest rate for someone doesn't have good income. in live in California Bay Area. Thanks""

What's the most expensive comprehensive car insurance ever in the U.K.?

What's the most expensive comprehensive car insurance ever in the U.K.?

Contents Insurance. Average Price Roughly??

Not fantastic area, sharing a house. I have usual 20 something stuff (TV, Games Console, Laptop, DVD Player) Rough Price, THANKYOU""

Car Insurance not Paying (in Georgia)?

I was in an accident three weeks ago. It was the other car's fault. There were no injuries. We didn't call the police, but I got a written statement from the other driver admitting fault. I got her car and insurance information and filed a claim with her insurance. They sent an appraiser and I got an estimate for the damages. So all that is left now is for the insurance to approve the estimate and send me a check. I have called the insurance company almost everyday since I got the appraisal (about 2 weeks ago) and they are saying that they are waiting to get in touch with the policy holder; apparently they don't have her correct phone number. But they have the signed statement from her admitting fault. The agent in charge of my claim doesn't even pick up the phone or return my calls, I just talk to the operator who can't really give me any answers. I have the basic car insurance, I don't have collision coverage, so I haven't even called my own insurance. My car is operational but my rear susspension is gone, and the bent metal is hitting my tire; I really need my car rapaired asap. Should I call a lawyer even though there were no injuries? I should probably add that my car is not worth much, but I still need it fixed! and I can't afford (don't want either) to pay for repairs out of my pocket. What should I do? Thanks in advance for your help.""

How much do you think my car insurance might cost? HELP PLEASE!?

I'm a new driver. I'm 26 years old. I want full coverage. I live in New Jersey. The amount of the might be 8,000 and Nissan 2007-2010. If anyone have any advice for me, that will help me choice the best car insurance. It would be appreciated. I'm still open to a different car.""

Car Rental Insurance?

Liability Insurance Supplement 11.95 USD Loss Damage Waiver 19.99 USD Personal Accident Insurance / Personal Effects Coverage 5.95 USD Which ones are really needed? We won't be carrying any luggage. We are only driving from San Antono to the coast and back for business. One day trip.

Cheap car insurance for new drivers??

does anybody know where i can get the cheapest car insurance for a Peugeot 106 1.1 im 17 and should pass my test by November, thanks.""

How many cars can you have insurance on?

I have a permit, No drivers license the only way I will learn how to drive and get a license is if I buy my own car. My mother ( the asswhole ) has three cars already and uses her insurance.. is there a limit on how many cars your allowed to have insurance on?""

Will my insurance go up if i wrecked in a ice storm?

there was an extremely bad road conditions in my area on dec 15, and i hit a mailbox coming home, i was only going 15 MPH but the rear end of my car went out of control and hit a mailbox, will my insrance premium go up if i turn it into insurance? also will i get into any trouble since i hit a mailbox if i turn it in?""

""Why do questions say cheap car insurance and affordable health insurance, not cheap health & affordable car?""

Questions about finding inexpensive car insurance usually refer to it as cheap . Questions about finding inexpensive health insurance usually refer to it as affordable . I do not recall ever seeing a question refer to affordable car insurance, and only rarely to cheap health insurance. Why is this? Why do car insurance questions use the word cheap and health insurance questions use the word affordable , and not the other way around? Is it just tradition, like saying Merry Christmas and Happy New Year , but never saying Happy Christmas and Merry New Year ? Is it because the law has the word affordable in its title, causing that word to be associated with health insurance? Is it because most of the questions are from someone who is trying to manipulate search results by causing searches for cheap car insurance and affordable health insurance to come to this website? Is it because car insurance questions usually come from users under 25 years old and questions about getting health insurance usually come from older users (health insurance questions from users under 25 usually have to do with saying on their parents' insurance and/or using their parents' insurance)?""

Dixon California Cheap car insurance quotes zip 95620

Dixon California Cheap car insurance quotes zip 95620

Insurance.?

i need to know all the types of property insurance, with descriptions. please help:]""

What are the risks of getting cheaper auto insurance using friends/work address?

Getting a car insured in Hoboken is very expensive ($750 for 6 months). Some of my friends use their friends address (Say Edison address) and get much cheaper quotes. What are the risks in doing this? My friend also had a claim with no problems (but it was a minor claim). Please advise?

Truck hits curb due to icy road..Damage is extensive. Will insurance pay? ?

I was heading down a hill; the road was icy. The truck wasn't stopping properly. It slid into a curb; damaged the wheel (rim). Now, the truck swirves to the left when I drive. I thought I needed an alignment. Went to an auto shop; turns out I need to replace a control arm ($569 just in parts) and some frame pulling is needed....AND an alignment. Total cost: $1750 (with labor) I do have comprehensive coverage with a $500 deductible. I just called my insurance and am waiting to hear back from a claims rep. (they said within 24 hrs); can they deny this for any reason? I really need the truck fixed soon.... Also, will my premiums increase? By a lot???""

""If I get in a car crash and my car is considered totaled, how much would insurance give me?""

Well I have a mustang but the blue book value on it is only like 4K, but I already have like 3k in mods added to it. How do they determine how much they give you? only by the top value of your car? I've heard of people getting more money then there cars were worth, and then they go and buy nicer cars.""

""Does anyone know of any good, affordable dental insurance?""

I am self-employed and I need to see a dentist, can anyone help?""

""If I open a bank account with USAA, will I pay less for USAA car insurance?""

I'm a college student who inherited USAA car insurance through my mom. I'm transferring to a 4-year Uni and looking for all the simplicities and money saving options available ie; overdraft protection, quick debit records, free atm anywhere, no monthly charge, online features........ pretty much everything USAA has standard. As of now I still bank with BOA, but it may be simpler and cheaper to bank with USAA... especially if they offer a price cut in monthly car insurance. Much thanks to those(asside from insurance salesmen or banking officials) with information. =)""

Will auto insurance be cheaper If i'm on my parent's plan?

I'm 17. I graduated college early, so i'm now a sophomore in college. I have a job, where I make generally $600 a month. Not much but i'll be graduating soon so I can deal with it until I move out. Anyway, I'm having to buying my own car because the car my parents bought me is sadly a piece of crap and breaking down every other day. (06 suzuki, they should stick to making ATV's.) I'll be making $100 per month car payments until February, and i'll also be paying for my own insurance. It's complicated. The lowest quote I can find online is about $186 bucks, which I can't afford. I don't need full coverage, I can't afford it. And won't be able to for a while. If i'm on my mom's insurance plan, it should be quite a bit cheaper, right? I'll be 18 in a month but i've had 1 speeding ticket. The car i'm buying is an 02 Jeep liberty. Is it possible to be able to pay around $90-$130 under my mom's plan? Or is that just completely out of the question.""

""Car insurance under dads name, but he doesn't have or use a car?

My dad just got a bill in the post for around 300 for car insurance However he doesn't drive a car nad hasn't for years and im sure its for my brothers girlfriends car but hes listed as the main driver or something will he have to pay the bill

Which occupation would be best for car insurance purposes?

I can honestly say Retired , Investor , Private Investor Or Self Employed . Considering the fact that I don't drive very much anyway, less than 3000-3500 miles per year would one have a better risk classification and therefore lower rates than the other ? Oh, and Im 47 by the way so not your typical retired type person. (Don't really have a life but that wasn't the question) My liability insurance is pretty cheap but Im the kind of guy that likes to check every 6 months just to make sure Im getting the best price for the same coverage. Thanks ! PS, on a sort of related note, is it a problem if my credit report might not say the exact same thing ? I suspect it may say Self Employed and my former business.""

Automobile insurance coverage?

Automobile insurance coverage indemnifying insureds for damage to their won vehicles is a- collision b- comprehensive c- not available d- both a and b

Car Insurance.?

My dad doesnt want to put me on his insurance, even though i offered to pay and my mom is gonna buy me the car. Male, 16, the car is probably going to be a 2001, 2-door honda. What is an estimated amount am I going to have to pay if I get my own car insurance.""

Can i register a car thats being finance in new york under florida insurance.?

the bill of sale is in my name but the insurance is my girlfriend and its florida insurance can i register car in new york.

Can I buy motorcycle insurance for one month and cancel?

I'll be going away for college in a little over a month and I wanted to insure my motorcycle to I can ride it for the remainder of the summer. If I only want insurance for one month, should I just tell them that, or buy coverage with monthly payments and stop paying after the first month? Also, if I just stop paying, will this make it harder to get coverage from them in the future?""

Why are car insurance quotes on comparison sites so high?

I'm almost 17 and I'm hoping to learn to drive and buy a car, I was looking on some comparison sites to see what the insurance might be on some possible cars (ford KA, fiat sciento, nothing too fancy) but the quotes were ridiculously high? I know being 17 will mean expensive insurance but this was really expensive, they said the cheapest was around 6000 for third party. This is really high because I know loads of people who drive at 17 and their insurance ranges from 1800-3000. So, why is it so high and will it actually be this price when I come to pay the insurance?""

""Question for Daycare center/summer camp owners, how much does your daycare insurance cost each month?""

I am looking into starting a summer camp type daycare next summer. I am writing up a cost summary and I have no clue what the average price for insurance is. I am looking for like the insurance that covers injuries, accidents, accident while on field trips/bus and like when you get sued for these injuries and stuff. I do not need to average cost of insurance for the building or vehicles. Any help as to how much is an average cost, or what the correct title to what I am looking for is, I have found it to be called just Daycare insurance, is there another name or does it depend on the company? Also what is your insurance price dependent on (# of kids, size of facility, age of the kids, etc.). Any help is greatly appreciated, thank you so much.""

Looking for an insurance company to insure me using VIN/chassis number?

I have bought a beeline Veloce GT50 49cc scooter (still in shop till insured) i cant get plates on it until i give them my insurance documents but im finding it hard to get an insurer to insure me online using the VIN Number / Chassis Number. so im stuck in a loop. no bike untill insurance is had and no insurance untill licence plate number is inserted onto online forms. This is for uk provisional so no answers from outside of uk please. thanks

Insurance on an 2006 chevrolet equinox?

My parents are buying me a used one for my birthday in a few months. I am suppose to buy the insurance for my vehicle though I was wondering about how much it would cost for a 16 year old? Also I have a daughter that would be riding with me most of the time, I dont know If that has to be added into the insurance cost of not? Im kind of clueless, thanks for your help!""

Does anybody know of any insurance plans?

Im 20 yrs. I have no dental insurance or medical insurance. Does anyone know of anything that I can apply for? I have no job and I'm a full time student in college. Also, my parents do not have insurance either.""

Insurance question?

I just bought a 2008 Honda Accord, exl, 4 cyl. I can't even drive it because I dont have insurance, what is the cheapest (most affordable insurance) I should get, i am 20 years old living in ontario california.""

Speeding Ticket Insurance Rates?

So recently I received a speeding ticket. Because I'm a minor when I went to traffic court the judge told me that if I went to traffic school my ticket would not be reported to the DMV. So I went to traffic school and passed and all that jazz so my question is whether I report this as an incident when I look for insurance (I'm looking at motorcycles for when I go to college) even though it does not appear on my record. Thanks Guys.

Will my health insurance apply when i move?

I live in california and have really great health insurance that my mother pays for, but i am moving to missouri in january and am wondering if when i move my health insurance will still work? i don't know very much about this subject and if i'm not covered i'd like to begin looking for a job in which i can be. any help is great, thanks!""

How much would car insurance be for a 16 or 17 yr old guy?

im 16 now, ready to get my first car and drive, but i need a steady job to pay for my insurance. so being young and a male, how much should i be looking to pay?""

Car insurance ?

ok heres my problem. i am 18 and i just finished a drivers ed program i want to get my license but i cant because in order to take the road test to get my full license (not a learners) i need a car on which i am insured but i cannot buy a car because in order to even buy a car you need to have some one in the house which you live in who has car insurance and no one in my family drives so they dont have insurance as you can see im in a cycle that i cant get out of... what do i do?

Do you need insurance to have a driver's license in California?

Do you need to have insurance in order to have a driver's license? Or can you have a driver's license, but no car, and no insurance. So i'm a minor, and my question is, If I have a CA driver's license, do I still need insurance when I don't have a car? (Insurance + Car) ....... or ........ (Insurance + License)""

What's the best place to get cheap insurance on an imported Mitsubishi L300 Campervan?

What's the best place to get cheap insurance on an imported Mitsubishi L300 Campervan?

Dixon California Cheap car insurance quotes zip 95620

Dixon California Cheap car insurance quotes zip 95620

Car Insurance think my car is a write-off but independent garage think otherwise?

My car (an 05 Peugeot 206) was involved in an accident (which was my fault but thankfully no other vehicle or persons involved) and there's been some damage to the front of my car (bonnet, grill etc.) - I've rung my insurer and they believe it's a write-off but I've asked them to send an assessor to check the damage. I've also had an independent garage look at the car (as someone else said that they did this in a similar scenario) who believe its not a write-off and they can repair it (450 was quoted for parts!!). He's sending me a quote for insurance work and a quote if it was done for cash. Can I get my insurer to use this garage if their assessor still deems it a write-off? If not, what are my options? This is my first time claiming insurance and I've got no real idea!!""

I need help looking for cheap auto insurance HELP?

Ok I live on Connecticut and the cheapest insurance for me is 200$ and that's progressive. I'm 20 years old so I know insurance is going to be high for me regardless. But are there any other small insurance companies who offer the same service just cheaper???? I feel like my insurance is 200$ because of company name and I dont feel like spending so much because of that. PLEASE HELP!!! I'm buying a honda civic 95 dx auto 4dr

Help with motorcycle insurance?

Hello. I am looking into getting a motorcycle, because I have had my motorcycle license for oooooo about 2 days now. I am just wondering if someone can help me with some insurance questions that will better help me decide what kind of bike to buy. For instance does the size of the bike differ in price? For instance if I got a 250 cc bike would I pay alot cheaper then one that is 1100 cc's? And what about make and model? Would a Ninja be cheaper to insure then a honda? Just kind of curious. And what would be the cheapest bike to insure. Further information. I am 24 years old. I have been insured with state farm in my personal vehicle for about 7-8 years now. Unsure if they offer motorcycle insurance, just started looking.I really like street bikes, really hate sports bikes. I am just l;ooking for the bare minimum insurance as I just want to ride and be legal rather then wasting a bunch of money on insurance. I know I have alot of questions, but anything will help me. So someone let me know. Thanks!""

Online Instant Quotes Insurance for teenagers?

Out of curiosity, I happend to try the Instant quote thingadoodles on the various insurance websites (progressive in particular)... and knowing how high insurance is for teenagers, I decided to try getting a quote for an 18 year old, on various vehicles (ones I own in particular). Basically, I got the quote for a 1998 Ford Crown Victoria (non-P71), and the outcome was right around $2500... for six months??? That's $5000 a year! Are these online insurance quotes realistic? I see a lot of kids driving full size trucks around, and I really wonder how they can afford insurance... but for a fat-cat luxury car, they're charging horrendously! Are these quotes realistic? Next up, I really wonder how all of these kids are driving SUV's and full size trucks.""

Need suggestions on Health Insurance...?

I recently turned 18 and will no longer be covered by my parent's health insurance. I'm going to be going to college next year and my school offers insurance but it will cost almost all of the money I have saved up (leftover money after tuition is paid). Are there any better options? (Being uninsured isn't an option)

What are the best alternatives to Humana One for an individual?

I am a college graduate and my parents helped me with Humana One bills. I am about to work at my first post-college job but unfortunately they don't provide health insurance for part-timers. I am interested in more affordable but quality alternatives to Humana One especially for someone in his 20s. My alumni association mailed me info about GradMed but it is only a temporary solution and doesn't cover pre-existing conditions.

How much more expensive is insurance on a V6 car than a V4?

How much more expensive is insurance on a V6 car than a V4?

Any good dentists in the Houston area for people without insurance?

My teeth are in awful shape and I would like them fixed before they end up killing me. I hear that happens.

State auto insurance vs. state of registration?

I am currently working a temporary job away from home in another state not my permanent residence (I am living there for the term of the employment). While there I bought another vehicle and registered it in that state and when insuring it moved my other car to the policy not realizing this could cause a problem. Now on my first vehicle, which was registered in my home state, the home state has refused to renew the registration because it carries out of state insurance. However, I also don't own the first vehicle, it is owned by my parents who are a resident of my home state, I just use it and pay the insurance. So unless I am missing anything, It looks like I am basically going to be forced to register that vehicle in a state where I do not have residence or cancel my insurance policy and get insurance for only that vehicle through a provider in my home state. Is this it or are there other options? I'm confused because they let me renew last year even though I had the out of state insurance, but I had switched during that year so maybe they considered me part-time or something. I would like to avoid changing any state registrations for the time being, because this process is expensive and complicated between the two states in question. Someone told me the cheapest option might be to get a minimum liability policy on the car in my home state so they will give me registration, but I have never heard of that and I'm not sure if that is ok (having two insurance policies on the same vehicle)? I am not trying to play tricks or loophole anything here, I just want to figure out my options and get this done without costing me a lot of money or time.""

Car Insurance Question?

I have bad dmv record. An accident, a failure to yield and 2 speeding tickets within the last 3 years. I totalled my car and can only affod a car I can buy cash, which I have 18,300 dollars currently. Is there a max of how much the car can be worth for liability through the insurance agencies? I am thinking of spending about 14,000 cash and just getting liability. Is this a good idea? Or should I get a cheaper car? Help is very much needed. Thank you""

How much will my car insurance go up?

I already pay $270 a month for car insurance for my truck. If I were to buy a 1992 Jeep Wrangler, how much more will it go up?""

Does a spoiler on a car raise the insurance?

does having a spoiler on a car made it into a sports car and thus raise insurance?

Cheapest car insurance?

I'm trying to insure my first car. It's a Rover Metro SI 1.4 auto. I'm 20 years old + am still driving on a provisional lisense. I've held this lisense for 1 year. I'd do around 5000 miles a year when I pass + want third party as the car is only worth 350. I'm also a lady as I know that makes some insurers cheaper. I've tried moneysupermarket.com + confused.com + Quinn comes up the cheapest with a deposit of 109 + then 10 months at 43. However both sites have a big list of insurers that they could not provide quotes for. Does anyone know, or is anyone with a cheaper insurer than Quinn Direct? I live in England, so no American insurers thanks :)""

What do I do if I've been denied life insurance?

I'm young(18) I don't smoke or drink, and I don't have cancer, or tumors or anything. Well except epilepsy. I also have a physical disability. I can understand epilepsy being a concern, but I fail to see how anyone can be denied with my physical disability. As it does not in any way shorten your life span. Is this fair? I guess I also have partial blindness. But, it's just a visual cut, not my entire eye or anything. Is there anything I can do? I do have a wife, and plan on having kids soon. I don't want to hear about me being young unless this is related to the reason, or there is a better option. Also, there is NO medical conditions that would be caused by my disability in the future. I had surgery long ago to prevent further problems.""

What is the best insurance company?

I am buying a Cadillac Cts and need a good and cheep insurance company. I am 16 and have taken my drivers Ed. Should I get Gieco, allstate, state-farm, or nation wide. please help what do you have. I live in florida 32967""

Can car insurance be in both my name and my wifes?

I just sold my car, and am waiting 3 months to buy a new car. My job requires that i have car insurance ( i dont know why since i dont drive for my job) I faxed a copy of my wifes insurance. Can my name be added on to the insurance, or do i need to get seperate insurance?""

How much does car insurance cost?

Im turning 18 in November and I feel like it is time for me to buy my first car. Im really interested in buying a 1998-2000 Jeep Wrangler or Jeep Cherokee. These cars are typically on the cheaper side (They usually dont exceed $4000). What I really want to know is how much will insurance cost for a teen with that kind of car. Please correct me if Im wrong but wont insurance for a car like a jeep be less than that of a car like a mustang? Anyways, I dont really have a well-paying job (minimum wage) and I dont want to ask my parents to pay for it because I feel like this is my responsibility. Can anyone give me an average price for what you paid for your car insurance when you were a teenage driver? Thanks a lot for the help!""

Which would be cheaper to insure for a 16 yr old male?

a hyundai tiburon (not gt, just the regualar one, probably a 2004 or 05 because of the added anti theft put on the car after 2003, which lowered the insurance rate) and the tiburon is NOT considered a sports car, so dont try to convince me that it is,lol. or a scion tc 2005(regualr, not gt or whatever scion calls its sport verson) i really like the scion tc but this will be my first car and i cant be picky, id have to go wtih which ever is cheaper to insure. any advice (dont tell me to buy a cheap clunker, my dad doesnt want me to get one, he wants me to find a nice, afordable car) thanks!""

Looking to buy insurance?

I am a small business owner. My business right now is very small, but we are looking to expand quite soon. We are a livery cab service and looking to get insurance quotes. We are located in Queens and would prefer to deal with Queens Brokerages. Please help!""

What is the cheapest car insurance?

i am shopping car insurance, any suggestions""

What is the cheapest auto insurance in the state of Florida?

What is the cheapest auto insurance in the state of Florida?

How much does a limo insurance cost?

im saving 33,480 dollars to buy an 04 limo""

""After buying a used car, could I drive it right away without auto insurance?""

After buying a used car, could I drive it right away without auto insurance? Do I have to have auto insurance in CA? Thank you!""

Insurance for people who do not have a car?

Are there any insurance for people who do not have a car?

Cheap uk car insurance for a learner driver ? any good companies ??

question for pps in uk my husband just bought a little fiat punto got a provisional licence and wants 2 learn to drive in it we new to all this any idea what kind of cover he needs and any good not 2 expensive companies to try for insurance , hes 44 so not a young lad who wants to race about , he has a brother in law and m8 who both have full clean license who have offered to put the L plates on and take him out at weekends on a quite road to get some experience as well as having driving lessons too when he knows the basics , but we looked on nhet at diffrent insurance companies and they all so diffrent as anyone got any experience of whos the best company or comapnies to try thank you also whats diff with any driver or 1 driver and theres 3rd party etc , like i say we really are all new 2 this any info will be well appreciated thank you""

Dixon California Cheap car insurance quotes zip 95620

Dixon California Cheap car insurance quotes zip 95620

https://www.linkedin.com/pulse/audi-tt-car-insurance-isaiah-long/"

[fadingpersoncollectorstuff-blog]

Why is car insurance so high?

"Why is car insurance so high?

I am just at a loss as a new driver. Passed my test recently and just cannot find affordable car insurance it's madness. The cheapest quotes that I am getting are 4000 and I think it's disgusting.     And its annoying because they add all this criteria which just shouldn't matter. The system is ageist as well as sexist as young male, new driver just seems to be impossible to get insured for. I only have an old Renault Clio P reg and I paid a very small amount for it and I'm just disgusted at the cost of it. I wanted to know if theres anything that can be done about it?    I find it annoying as you can't change your age or your postcode or all this stuff that doesn't matter. I've got home insurance that I pay waaaay less for a month is madness.

BEST ANSWER:  Try this site where you can compare quotes: : http://averageinsurancecosts.xyz/index.html?src=tumblr 

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How much would insurance cost for a 16 yr old female?

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Insurance company said my car is totalled?!?

So this last Saturday before St. Pattys day I took this girl out to the movies and i went to go turn into a gas station and randomly this guy smashes into me as i was making my left turn, didnt see him at all until last second which makes the crash weird because he hit my front driver side and his front driver side is messed up, cops automatically said it was my fault probably because im 19 driving around in a car that is nicer then theirs or something. Insurance company came to the body part place and said it was totalled without leaving a report. No damage hit the engine my intake and radiator got pushed in alittle bit more towards the engine and my window washer tube cracked thats about all ive seen plus the smashed out headlight and my bumper hanging. Please leave me some thoughts on if you think its totalled, really dont want this thing to go. PICS BELOW!!! http://flic.kr/p/e4Gwdd http://flic.kr/p/e4Gw7s http://flic.kr/p/e4GvZ3 http://flic.kr/p/e4AV3a http://flic.kr/p/e4AUr4""

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In California it is Wawanesa low insurance rates for good drives only

On average how much do you pay for your car?

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I have already asked if i can get car insurance without license someone said put it in my name is that the car

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Average family health insurance cost?

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About how much will insurance increase if you lightly rear end a car but you just got your license at 16?

Someone i know has Geico insurance and turned sixteen in August. He got his license a few months ago and really lightly rear ended a car today. I mean you cant even tell its hit unless you analyze the back. So about how much do you think the insurance will go up?

I am 18 years old. I want to improve my credit score by buying a vehicle. INSURANCE PROBLEMS!!!!!?

I know ican get approved for a vehicle but insurance for a teenage male is un-godly cheapest is 650 a month, is it possible to buy a vehicle in my name, but have insurance over it under my fathers insurance policy?""

""I know it seems crazy, but whats the insurance per year of a 16 Year old with a Corvette?""

Lets say a 1995 Corvette with a V8 5.7 Liter Engine? I want to get a broken down one as a project car, I'd have to get insurance but how much would it be? Don't tell me its a stupid crazy idea just stfu... its only an idea.""

Why is car insurance so high?

I am just at a loss as a new driver. Passed my test recently and just cannot find affordable car insurance it's madness. The cheapest quotes that I am getting are 4000 and I think it's disgusting.     And its annoying because they add all this criteria which just shouldn't matter. The system is ageist as well as sexist as young male, new driver just seems to be impossible to get insured for. I only have an old Renault Clio P reg and I paid a very small amount for it and I'm just disgusted at the cost of it. I wanted to know if theres anything that can be done about it?    I find it annoying as you can't change your age or your postcode or all this stuff that doesn't matter. I've got home insurance that I pay waaaay less for a month is madness.

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Will my insurance be through the roof?

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Where can I get the cheapest motorcycle insurance quote for a brand new VESPA?

I'm 20 years old and looking into buying a vespa to use in Toronto! Looking for the cheapest insurance possible!

""On average, how much does car insurance cost for a 17 year old male?""

Dear reader I am a 17 year old male. I am searching for car insurance once I get my driver's license I will be required to pay for my own car insurance. I want to get an average cost (monthly) for someone my age- regardless of the company I am not sure what factors play into a policy's amount- however, if it does matter, I am a straight A student with a 4.2 GPA (scale of 4.0)- I have never been convicted, nor prosecuted for a felony or anything of that sort. To sum up, I am quite responsible for a male my age. Please do not be rude in your responses I appreciate your help PS. the car that I would be driving is a Toyota Camry 2005 (all paid for). I also live in the state of MD""

""Why are necessities, such as food, clothing and shelter mostly affordable, but not health insuarnce?""

Can't figure it out. Here in Tempe if a man were to work 80 hours a week and earn minimum wage with no benefits (remember, we have nine-percent unemployment now, higher than Belgium, Australia and Norway, mind you), he could bring in about $2,000 per month before taxes. He can get a studio for under $500 or a rented room for a little less; one month's worth of groceries, if purchased at the 99 Cent Store or Food City, could run him $250 per month, and a week of clothing purchased at Goodwill might run him about $100. All affordable, many options for the low-wage earner. Now, this guy actually works for a living maximum hours, so he doesn't qualify for state aid (I've looked into it, that salary is too high), and many jobs don't offer benefits, particularly low-skilled ones, so what's he to do? Let's say he has a pre-existing condition, therefore, he is either denied insurance outright or charged well over $1,000 per month (look at Blue Cross/Blue Shield, Golden Rule, Aetna, Cigna and United). So, he works for a living, doesn't smoke, no woman will have sex with him, he has no children, he doesn't do drugs, he has no gadges (iPod, computer, stereo), no car (he takes the bus), even after all that, he's still screwed. He needs preventative care, not emergency ward treatment as that's not financially viable for America long term, so what does he do: job offers no benefits, is denied or overcharged for health insurance, can't find a job with benefits, state won't provide the working man with state insurance...shouldn't he just quit working and become the welfare leach that conservatives revile because hard work is getting him nowhere?""

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Why are the big insurance companies so much cheaper?

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Am I required to get health insurance!?

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How much would full coverage insurance cost on a 1965 Silver Cloud 3 Rolls-Royce?

Male driver, clean driving history.""

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What's the best life insurance company? why?

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I'm a first-timer with cars and insurance?

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What's a good sports car for a 16 year old that would have cheap insurance?

What's a good sports car for a 16 year old that would have cheap insurance?

How can I get health insurance for my foreign-born mother-in-law?

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Whats the best way to cancel my car insurance?

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Is Gieco a good insurance company?

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Why is car insurance so high?

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Is a 2000 Mustang GT expensive to insure?

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How much would the car insurance cost on an 87 Jeep Cherokee?

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Car insurance question?

My daughter has just passed her driving test here in the UK and her insurance costs have gone through the roof on the smallest car around. Is it possible (and legal) to insure her in Europe somewhere for her to drive in the uk for less money? Thanks

Cheap car insurance?

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Does anyone know the best way to get insurance leads?

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What country has the best and most affordable health care system in the world?

it cannot possibly be the united states. in the united states the only ones that can afford healthcare probably cannot actually afford it, their insurance covers it. take away ...show more""

Car insurance help (UK ONLY)?

my mums car insurance company is tryin to screw her over... i need opinions please! the car got wrote off due to something smashing it from the back as it was parked therefore perpitrator was never found! the car was worth 500 which was 100 deducted for policy... then the insurance compony took the whole wak of 12 months insurance aswell when we only had the car for a month! is that fair? deucting that for 500 leaving us with 154.77... IS THIS LEGAL????

Who has the Cheapest libility Car Insurance in Chicago?

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How can I find out NAIC number for car insurance company?

I am filling out a report for DMV and there is a section where I need to provide the National Association of Insurance Commissioners (NAIC) number for AAA. I talked the company and my agent and they say that there is no such thing? I wonder if there is any where I can look this info up..... Any idea?

""Insurance whilst working In italy for 7 months for an aussie company, anyone got any good recommendations?

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Suspended Registration in California due to Car Insurance?

My registration was suspended because I didnt show proof to the DMV that i had car insurance. I recently bought car insurance but I cannot show proof to the DMV until I receive my Insurance card in the mail which the insurance rep said it may take 2 weeks! I already paid my fee to the DMV to reinstate my insurance but i have to wait until the insurance card come inorder to submit my insurance to the DMV. I have my temporary insurance card and my car registration in the car. What would be the consequences if i get pulled over by a cop? Thank you in advance.

I am thinking of get a Honda Accord (1996-2001) in fl was wondering how much is basic inserance?

I am thinking of getting a Honda Accord between the year of 1996 and 2001 was wondering how much is it gonna cost for minimum insurance if I am 16 about to tern 17

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I am trying to find a car that is fast enough that i can have some fun in but im not going to be spending a lot for insurance. I also want to have a car htat would be good to hook up.

Car insurance GIRL VS GUYS?

Guys get charged more for car insurance when new drivers, and from what I understand forever. In general. However, in my view girls ESPECIALLY new drivers that are girls are generally alot worse than guys as well as talk on the phone, do make up. And what not, but yet guys get charged more? How does this make any sense? Anyone else feel this way? Just thought I'd see what other people think. Not being biased or anything.""

What is the typical cost of maintenance for a Mercedes C240 per year including insurance for a young driver?

As the question states. :) Thank you so much for your help!

Buying a new auto insurance policy on a used car?

So im buying my first auto insurance policy (my parents dont want to add me to theirs) for my car. Will i have to pay the premium up front, or will i have to pay in 6 month installments?""

""I rear ended someone with no insurance, whats gona happen?""

i was on a motorcycle and rear ended someone in a car, the car has a lil dent on the bumper and their insurance already covered it. i do not have insurance and im going to court for it. what is going to happen? is my drivers license going to be suspended eventhough it was on a motorcycle? i have insurance for my car just not my motorcycle.""

Cheap Auto insurance?

I got my G2 about 3 weeks ago, and i am trying to find a insurance company in the GTA that offers insurance for a primary driver for a low price. I am a teen and I would be driving a 2001 volvo S80 2.9L""

Work and Car insurance?

The business that I am employed by, is telling me that im required to put the business on my car insurance policy as an additional insured. Im kinda reluctant to do so, and im afraid to ask the reasons as to why the business would need to be on my policy. So my question is, what are some of the reasons they would need to be on the policy, and should i add them?""

How much do you pay for car insurance?

I need help for my homework.

Compare Auto Insurance Quotes With Local Agents?

I know there are many different sites where I can compare auto insurance quotes. I am wondering if there are any sites that have local agents available on them? My local agent just retired and I am looking around for new coverage, I just don't want to call everyone in the phone book you know.""

Geico car insurance?

I'm interested in transferring my car insurance to Geico. I went to their website and filled out the electronic form, and the amount came out quite expensive. I thought it was going to be cheaper. Should I call them and speak with a rep for more accurate info?""

Where can I get the cheapest insurance for my Yamaha jogR scooter??

just bought myself a new scooter that is an 03 plate. I'm only 16 and struggling to get a paying job. where could I get the cheapest insurance in Lancashire?????????

Short-term insurance coverage and ACA?

Does anyone know if and/or how the Affordable Care Act (ACA) will affect short-term insurance coverage? My son currently does not have health insurance at work; therefore, he has been buying short-term coverage which can be purchased month by month, every 3 months, or 6 months. The downside is that after 12 months of consecutive coverage, he has to sit out for 2 months (no insurance coverage). Not ideal, I know but it's all he can afford at this point. It basically costs him less than $40 a month. Just wondering about this. I guess we don't know yet how much coverage will cost under the ACA?? Maybe he can afford something better once that takes effect.""

Why is car insurance so high?

I am just at a loss as a new driver. Passed my test recently and just cannot find affordable car insurance it's madness. The cheapest quotes that I am getting are 4000 and I think it's disgusting.     And its annoying because they add all this criteria which just shouldn't matter. The system is ageist as well as sexist as young male, new driver just seems to be impossible to get insured for. I only have an old Renault Clio P reg and I paid a very small amount for it and I'm just disgusted at the cost of it. I wanted to know if theres anything that can be done about it?    I find it annoying as you can't change your age or your postcode or all this stuff that doesn't matter. I've got home insurance that I pay waaaay less for a month is madness.

Will my insurance payment go up a lot?

I was recently in a car accident, unfortunately I was the one who was at fault. It had just rained the night before and the road was wet and so my brakes did not respond and i ended up hitting another car. Anyway, my question is, how much will I have to pay for my insurance now. Will it double, triple? I know that payments tend to skyrocket after your involved in an accident and your the one at fault.""

How do we get insurance companies to reduce medical insurance premiums to employers?

Let's face it, here in the U.S. the medical insurance premiums for group health coverage is rising faster than inflation. As a result, a lot of companies are either reducing the levels of coverage in order to offset the cost of insurance, increasing the deductible, and or increasing the cost to the employees for the insurance premiums. The problem is that insurance companies have no incentive to reduce insurance premiums. They continue to get record profits and this issue is out of control. How do we get the insurance companies to decrease insurance premiums to the rate of inflation, or better yet, start reducing the cost of premiums for a change?""

I already have car insurance and I am getting a new car...?

I already have car insurance which I paid in full in December 2012 which cost me 2500, I have got a new car and they said I owe them 550 for the remaining months, could I pay this monthly or does it have to be in full?""

Are insurance premiums considered as capital for insurance premiums?

specifically for pension plans, are the premiums received here considered as capital by insurance companies? assuming they are the ones issuing these pension policies""

Can someone help me figure out how to get car insurance?? Very confused :(?

This is my first time ever getting a car loan, making payments & getting insurance by myself & so far it's been frustrating & confusing!! If anyone could help steer me in the right direction it'd be much appreciated! --I'm originally from Arkansas. I moved to North Dakota with my man, got a job & started vehicle hunting. One of my friends up here, also from AR, had a truck close to getting on the repo list because he couldn't make payments anymore. This truck is registered in AR. So, I got a loan & bought his truck from him. I got this loan Oct 4th, a month ago. All I'm trying to do is register this truck, pay sales tax & get insurance. I understand I'm not ever getting the title but my bank will & when I explained that the title hadn't been sent to my bank yet, the dmv lady said I couldn't even get temporary tags?? Can I get insurance with the truck not being registered yet?? If it's not officially mine bc the title hasn't been sent to my bank. ???""

Why is my car insurance so expensive?

I'm 18 and I drive a 2008 dodge caliber. I've been paying 200+ a month on insurance and I'm sick of it. I will be 19 in the summer and have had my license going on 3 years. I have a clean record accident free and incident free. Will my payment ever go down? It's bad enough I'm already a poor college student lol.

What would happen if I stopped paying my car insurance ?

I have full coverage auto insurance. Times are really tough for me right now and thinking about not paying my insurance. I have full coverage bc I took out a loan. Could my loan office find out too and lose my car? I'm stressing very much.

""First car! help with car insurance,tax&other stuff please ?? uk owner?

smart car 2 seater white and silver 2010 reg how much would it cost to tax and insure female driver at 17 year old? best place for insurance ?? is it worth getting a black box installed into the smart car ?? if so how much do the cost on average? where is cheapest place to get break down cover ?? what over things do i need to consider on my first car? how much does a smart car cost to fill with fuel in uk?? would love some help if possible kind regards mia xxx :D

Is Physician's Mutual a good insurance to buy on your own?

My family currently has no medical insurance and I received information in the mail on Physicians Mutual Insurance Company and wanted to know if anyone has used them and if they are affordable for a family?

How do I get my health insurance company to cover hiv testing?

HIV testing is now covered under the affordable care act. I went to my ob/gyn for my pregnancy and he ordered hiv testing but I got a bill from the lab for the full cost of the test. ...show more

Non-vehicle owner driver's insurance?

I just got my drivers licensce today. I need insurance to drive even though I don't own my own car and will use my parents?

Car Insurance - is it really this expensive?

Hi. Ive been living in Spain for almost the last 6 years and recently came back to the UK. Im after insuring a car, but the quotes im getting are ridiculous! I've been driving for nearly 6 years, I'm 24 years of age and I'm being quoted over 2,000 for cars like a 1997 1.3L Ford Ka... I have no proof of NCB due to living abroad in Spain but surely this can't be right can it? I've been told by a friend that their daughter of 17 years of age who still has not passed her test has been quoted 1,700 on a similar car. Finding this a bit hard to believe considering the quotes I'm getting. So, is insurance really this overly priced in the UK or am I going wrong somewhere? Cheers""

Auto insurance for a new driver and a new car?

I got my licenses on March 30th, 5 days after my sixteenth birthday. I was so excited to start driving to school and what not but when i got home, my mom told me she would not buy me insurance because it's to expensive. I asked her how much it would be monthly but she wouldn't tell me. My first question is about how much would insurance be for me, as a new driver, and i have a new car. My second question is if i don't have insurance, can i still drive with my mom or dad or guardian in the passenger seat? (they have insurance for themselves) If i can't drive with them, i don't get how insurance will get cheaper for me overtime if i haven't driven and can't drive since my licenses test.""

Just curious.......How many of you have no health insurance but.......?

.......have cell phones, satellite TV, Wii's and games, smoke or drink. Since the average cost of a family plan is about $3600.00 per year, just wondering if you realized you could buy your own health insurance with the money you spend on these things. I am curious why luxuries would be more important to you than getting health insurance.""

Car insurance for under 3k?

Hi, im 18 and im trying to find car insurance for under 3k and pay it off monthly. Im getting quotes like 5-6 grand, the comparison sites are a load of rubbish as their saying way ...show more""

I'm about to get my drivers permit. Do I need insurance?

I'm about to turn 16 in a few months. I just figured out that I need to complete driver education and am in the process of that now. When I do receive my permit in a few weeks do I have to immediately purchase insurance? I'm going to be driving my dads subaru. He will obviously be in the car with me at all times. Do I still need to buy insurance at all?

How much is car insurance for a 16 year old girl in texas?

I'm going to be driving a ford I think f150 the year is no later than 2004. I know they have discounts for students with good grades. My gpa is above a 4.650. I need the cheapest I can get. Because aside from managing insurance on this vehicle. I will need to put money aside to purchase a different vehicle. (I'm borrowing the truck, but must pay my own insurance.) And battle school. I won't make a lot of money, so I have to try with what I will have.""

""Does anyone know of a high deductable, low premium health insurance?""

I am looking for a catastrophic insurance policy where I would have a deductable of $10,000... I would pay for office visits and prescriptions.""

Health insurance coverage for my 88 yr old mother with dementia?

our 88 year old mom who has dementia has medicare part a & b, with Aetna supplement. We need to relocate mom back home since she doesn''t have the funds to stay at the dementia home she is currently in. Payments keep rising. Due to the medicaid five year stepdown, she will be eligible in two years. Until then, we will keep her at home, however, is there a health coverage that will be able to cover any major health catastrophy, should one occur in next two years before Medicaid kicks in? We are willing to relocate with mom to a state that has this kind of coverage. Right now we live in New York, which in itself is very expensive and we are considering moving to help cover mom's costs. Where and what do you recommend?""

Teenage Car insurance Impossible?

For starters I am for the most part completely ignorant as to the workings of Car insurance or really.. anything involving cars.. so bare with me.. I'm trying to figure out how to get insurance as a primary driver I'm an 18 year old male still in school with a full G license, the car is a 1995 ford model worth only.. 1000 $ max, it's 2 door, I have a 75%+ average in school, I have no prior accidents or tickets. Essentially perfect as far as all the variables that effect insurance rates go. Yet when i got quotes online they are still telling me I have to pay 380 $ monthly. What the ****? On average I only make about 400 or 500 a month.. adding on gas money to that my cost of living is practically negative from just drive to and from work? So I guess what I'm asking is.. Is teenage car insurance even possible without help from mommy and daddy or dropping school to work more? Can anyone link me or give me the name of auto-insurance companies that give the best rates for Teens? Anything in the 2000-3000 $ range a year would be perfect""

Do you think its best for me to pay the car insurance all in one go?

am thinking of saving up about 2000 because that's how much my car insurance a year will be and pay it all in one go or just pay monthly? which is better? if pay it all off then i have to save up for a good 4 or 3 months. answer please no stupidity :P

Insurance........................

I want to get self insurance. wich insurance is cheap and good?

I need liability insurance for a small taxi company in NJ. Anyone have any recommendations?

I need liability insurance for a small taxi company in NJ. Anyone have any recommendations? Also need price quotes for both taxi car insurance or limo car insurance.

Insurance cost for a 16 year old with a 1986 iroc camaro?

I'm 16 have a 1986 iroc camaro 350ci and i live in an average neighborhood in western ny i'm a male. any insurance guestimates? I'm gonna need to be on my own plan.

How much would my car insurance payments be?

I'm thinking about getting a 2011/2012 Hyundai Elantra and was wondering how much would my car insurance payments be with Geico, Allstate, or Statefarm? Also what would you recommend?""

Why is car insurance so high?

I am just at a loss as a new driver. Passed my test recently and just cannot find affordable car insurance it's madness. The cheapest quotes that I am getting are 4000 and I think it's disgusting.     And its annoying because they add all this criteria which just shouldn't matter. The system is ageist as well as sexist as young male, new driver just seems to be impossible to get insured for. I only have an old Renault Clio P reg and I paid a very small amount for it and I'm just disgusted at the cost of it. I wanted to know if theres anything that can be done about it?    I find it annoying as you can't change your age or your postcode or all this stuff that doesn't matter. I've got home insurance that I pay waaaay less for a month is madness.

https://www.linkedin.com/pulse/get-insurance-quote-without-providing-your-name-william-baker/"

[captain-unlikelynutbouquet-blog]

Collingwood Drivers Insurance?

"Collingwood Drivers Insurance?

I'm currently looking to get provisional driving insurance with this company and was wondering do I also need a full insurance policy alongside the provisional one with this company, Can not find any information about it thanks

BEST ANSWER:  Try this site where you can compare quotes: : http://saleinsurancequotes.xyz/index.html?src=tumblr 

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Car insurance broker or direct to insurance company?

I'm about to get a car, and i'm thinking about car insurance. The thing is, I don't know whether should i go to an insurance broker, or just shop around doing all these web quotes and find the cheapest out there and call them directly. Should i just do this or should i contact an insurance broker? What are the pros and cons of dealing w/ insurance broker? thanks""

I am learning to drive and want to buy a car. What should I buy and what will the insurance be like?

I am learning to drive and want to buy a car. What should I buy and what will the insurance be like?

How can i cut my insurance premiums? UK?

I have 1.9 diesel 306, and have also a TT99 on my driving license which although my ban ended a while ago i have to declare and keep on license till 11/11.I have been driving legally for 18months now but its costing me a fortune every month for the insurance. How can i reduce my insurance from average of around 3000. Or does anyone know what cars are likely to be cheap to insure and run, (baring in mind i have partner and two kids to fit in the car as well. Thanks in advanced""

Is there a website for seeing what class of car you have for insurance to see how much it wil be.?

I know insurance have classes of cars based on a number. Like my old school might be a 7. but my Escalade might be a 20 or something. Please help.

50cc Scooter Insurance Help?

I'm 16 in 9 days, and I'm going to celebrate with a Peugeot V Clic Silver Sport. However, I'm going to need insurance. I live in a quiet area, and my scooter will be kept in a locked, secure garage with four other scooters. I'm also very responsible and won't be thrashing it and doing wheelies. Does anyone think this will reduce the cost of insurance?""

""Car insurance help, i need advise?""

Im 15, hoping to buy a decent car (when i turn 17) that is reasonably cheap to buy and insure, i have around 10,000 budget for the car and 20,000 budget for the insurance, i work on cars so any mechanical problems wont be an issue and i am a very capable driver and certainly not a 'boy racer' i have experience in driving and i just want a nice car that i can keep for a long time that i can pass in and out if london in to my future job (architecture) any car and insurance company suggestions? And remember decent car, 2nd hand.""

Cheapest Car Insurance - Canada?

Need a cheap car insurance... Don't spout off answers if you have no idea... I've researched: TD, RBC, CAA, AllState and Statefarm Living in Ontario!""

Why do we need basic health insurance?

Health insurance should be for serious issues that require surgery or hospitalization. Why do I pay insurance to get a checkup or for routine visits? The problem with health insurance is it is too broad; therefore, it is too big. The idiots who say that car insurance is mandatory as an argument for mandatory health insurance leave out that it is only LIABILITY insurance that is mandatory. You are not required to insure fixing your own car if you choose not to. Think about how much more expensive it would be to take care of routine things like car maintenance, appliance replacement, etc., if they were handled through an insurance company. The answer seems to be to eliminate most of the unnecessary insurance and shrink it to only what is required. That along with serious tort reform would eliminate much of the red tape and cost. The person who abuses their things pays more to replace and fix them. Same thing with the fat people, who suck up most of the insurance money the rest of us pay.. If you choose to be fat, then you will pay more to repair your health. It seems pretty simple, but then again the current proposal is not really about health care is it???""

Low car insurance adjustment from liable company's adjuster?

Someone else hit my car while it was parked. It was very cut-and-dry. I got a police report, the officer talked to the driver. It states that my car was legally parked and the other driver is at fault. The damage is minor rear bumper damage, nothing too terrible. I filed with his insurance company, and after a lot of frustrating phone tag, an insurance adjuster came out and wrote me an estimate for $450. I had an adjustment for $734 from the local body shop for my make of car, and I showed it to him. I expressed my dissatisfaction with this estimate, and he said the body shop would settle with the insurance company directly for costs in excess of the estimate. $300 is a little much. Since it's minor damage, I think the body shop will probably take the money and do a shoddy job on the car. It's my understanding they are supposed to repair my car to pre-accident conditions. I got another estimate for $745 this weekend. I can't get it fixed for $450. What are my options? (cont'd)""

Affordable term life insurance quote?

What good is affordable term life insurance in florida?

How much insurance for a Mustang in Florida?

I'm 18 years old, and I want to get a Mustang and my insurance plan is going to be under my uncle's name (52 yrs old, but he has many records for crashing and tickets, his insurance for the Civic now is $800/ 6 months). If I get a brand new one using Progressive, AT LEAST how much it's gonna cost me for 6 months??""

Will the car insurance pay for my car to be fixed?

i was rear ended. its the other persons fault. the kid that hit me was driving their parents car. the parents had insurance on the car but the kid wasnt listed as a driver. just the mom and dad were. i was told since the car is insured then the insurace will pay for it no matter who was driving. is this true?

Do you find women only car insurance sexist?

Personally I do. For a start their buisiness is based around the idea that women are safer drivers even though what gender you are does not affect your driving, also all of the TV adverts for this insurance have sexist comments in them. If it had been the other way round and these car insurances were exclusive to men there would have been protests and accusations of sexism but because typically women are the victims of sexism it has gone unnoticed.""

Will geico insurance rate go up from storm damage?

My car got hit from a piece of tree/brances and scratched and dent it a little, will insurace go up?""

Health insurance question about coverage under age 26 while married? HELP?

Im currently age 22 and on my mothers health care plan and scheduled to get married in October. My question is, will I still be covered on my mothers insurance plan if my future spous has a form of employer insurance that i could be on. This would however kill her monthly take home pay. Shed make 300$ a month for full time job Im self employed and have NO Employer-based insurance opportunities and will still be 22 when married. So when i get married will i be kicked off my mothers insurance because i have the potential to be on my spouses insurance plan? This Affordable Care act law is somewhat vague on this topic""

How much does it cost to buy insurance for a small business?

How much does it cost to buy insurance for a small business?

Which will cost more to insure? 00-04 mustang base or 00-04 mustang gt?

I'm 17 and live in New York. Been driving with a clean record for one year and I currently pay $100/month on my mom's '10 camry. I want to get my own car and I have narrowed everything down to a mustang, but I can't decide between a base model or a gt. I have discounts on my current policy such as good student and drivers ed. I will also take a defensive driving course for an added discount and the new car will also bring about a multi-car policy discount which will be helpful. My mom will be contributing the same $100 towards the car as she is now and the rest I have to pay for by myself. I have heard that the base and gt will cost about the same to insure, but that doesn't seem right considering that the gt has 100+hp more than the base, but people have supported that by saying the base models are involved in more crashes among young drivers. So can anybody set the record straight for me? Please don't give me responses saying that only my insurance agent can tell me that or too high for you to afford. Also would it be a wise decision to drop collision coverage for a huge insurance discount? I don't plan on racing this car.""

Looking for best insurance product (LIC) which returns guaranteed & handsome amount on maturity along with acc?

Age : 35 yrs., married Premium Amount : 90  99 K per year Premium term : 25 to 30 yrs best lic plan combo plan""

Have any 19 year old male's managed to get their car insurance under 2 grand in the past year or so?

If so, what company were you with? On my mum's suzuki wagon the insurance quote from aviva have been ridiculously high, but I managed to get one for 2 grand with a 50% drop in price next year due to no claims, the cheapest i've managed so far. Anyone with experience know where to go or if it's possible to get it cheaper on a vauxhall corsa?""

How much will my car insurance rates go up if i turn my car accident into the insurance company?

I have full coverage and I'm 17. I currently pay 120 dollar a month for car insurance and I have good grades. I back into someone's car and dented it. Is it worth it to turn into the car insurance place?

""I'm 21 with the Gerber Life Insurance policy plan, should I continue?""

I got a mail indicating that I am not the owner of this policy (my parents started this for me when I was young). So I have a few questions, now that I am 21, do I have 10,000$ worth of life insurance for the rest of my life (without having to continue paying?) Why would I want to continue paying if this is just here as insurance in case for my burial costs.. isn't 10k enough for that? If I stop paying will I still have this 10,000 dollars in life insurance, or am I being forced to pay in order to keep it?""

USA Insurance for New Immigrants?

Hello!! I would like to inquire about medical insurance for new immigrants in the state of Florida. We have been here for 1 year now and who or what organization should we turn to? I have heard that a lot of them are expensive. I was told that we could get family insurance through employment -- but at the moment, my mom is the only one working with us, 3 dependents. So suggestion?""

Has car insurance gone up in the past couple of months?

My partner has just been on 'compare the market' and found that to insure his fiat punto its going to cost him nearly 800 - 2 months ago when he looked he was getting quoted 400. Its nearly doubled in costs!!! What is all that about?

When buying motorbike insurance is CBT= Provisional ?

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Whats a good/affordable motorcyle insurance company?

I want to buy a Yamaha R6 but the premiums for a bike are ridiculous.. cheapest ive found was through progressive for 900$/month... thats more than my leased car payment and car insurance a month... anyone? thanks.

Collingwood Drivers Insurance?

I'm currently looking to get provisional driving insurance with this company and was wondering do I also need a full insurance policy alongside the provisional one with this company, Can not find any information about it thanks

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is a 2004 or 2005 Subaru impreza rs hatch a good first car? are they reliable, good on insurance and costs to run and fix. cant get a wrx because of p plate restrictions but from experience is the rs any good. what is the average price they sell for and how many k's on them? thanks""

Whats the best insurance company for a young driver?

just passed my driving test and was wondering what the cheapest insurance company for young drivers is?

How do I help families not see life insurance?

How do I help families not see life insurance as a bill but rather protection for their family? I am on a crusade to help families become properly protected (create an immediate estate) in case of a loved ones untimely death. Of lately, prospects see life insurance as another bill. Although it is; can any life insurance agent please share with me how they get around to making sales in the life insurance industry? Thank you.""

Which insurance company offer the lowest price to insure my car? I have a Ford contour 2000 y.?

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What is the average of insurance cost for a 19 year old?

I've been looking around online to research costs and from what I've seen it averages around $150. $200 at the worst. But my mom tells me I have to pay $440 dollars? Like wtf. Even four of my friends, who are still 18, pay around $170 or so. Is she just bullshitting me? I have never incited any tickets and drove safely when I was 18 and still now at 19. I'm not sure what to say to my mom. I told her about how others are paying wayyyyyyy less. I'm thinking the insurance is just cheating my mom or something. Anyone have any idea what I should do? I remember my mom asking me to give her my transcript to show I have a GPA above 3.0 to lower costs. And now she tells oh it's $440 .. I don't know what's going on. I'm not very well spoken in my native language so there's some issues talking about this.""

What is the cheapest/best car insurance and car for a newly licensed driver in MA?

What would be the best and cheapest type of car and car insurance to get for someone who just received their license?

Reason for sudden increase in price on car insurance?

When I bought my car I started paying 1,400 a year on insurance, and the other day I got a letter through the post from my insurance company saying that I need to renew my car insurance since it was close expiring. They said that if I want to continue with the same company I need to now pay 2,000 a year for the same car. I can't seem to understand why there's such a vast increase from my last quote. I haven't had to make a claim and I can't think of anything that may have happened that could result in the price increase. Do insurance companies do this or could there have been something I may have done which has put the price up? Thanks in advance.""

""Im 21years old,male with a mazda miata 2001. My auto insurance to too high. where can I get cheaper insurance?""

Im 21years old,male with a mazda miata 2001. My auto insurance to too high. where can I get cheaper insurance?""

Is my auto insurance too high?

i am 18 yrs old. my car is 2008 c class benz. my insurance for the car is 315 a month!!! aaghh!! is that too high or it is a good price for the car i drive? does the car model matter? please help!! i hate paying this price!

How can a college student find an affordable therapist?

I'm 18 and still under my parent's insurance coverage. I have loads of issues including social anxiety, and I think that I'm starting down the path to clinical ...show more""

Why do I have to pay extra for changing address with my insurance company?

I recently moved and changed the details on my drivers licence and log book. When I called the insurance company to do the same they said i would need to pay 60 to cover the cost of the change between now and the renewal period (which at the time was approx 6 weeks away). All of this was AFTER they took my previous and new address to confirm my ID. When I asked them why this was as I had paid my entire premium in full last year (so as not to incur direct debit charges) they just repeated themselves. I did not have the 60 and said well I will just stay at the previous address (my ex-boyfriends) until my renewal comes through and I will change address then. However...my renewal has just come through in my NEW address but with postcode where vehicle kept overnight as my OLD address!! What does this actually mean?? surely if I have to make a claim it doesn't matter where the vehicle is kept esp as they have my address and the majority of claims do not happen at your residence!!! I have read the policy back to front and they even added amendments this year to include admin charges and NOWHERE does it mention being charged for change of address. I have literally moved around the corner surely its not just about postcodes or am I being naive??

Average cost of insurance and registration in Utah?

My husband and I are looking into getting two different vehicles and I am just trying to get an estimate on how much its going to cost to register them and how much I may need up front for insurance. I am 24 years old, my husband is 23 and a former truck driver. The two cars are a 1996 grand caravan (red if needed) and a 1980 Chevette (black if needed). I do not know mileage yet for either one.""

Which is the type of insurance to avoid?

Which is the type of insurance to avoid? A- mortgage insurance B- identity theft insurance C- disability insurance Why?

Crashed car 3rd party no-one else injured what to do with insurance?

I'm in my first year of driving as a 17 yr old male and i crashed damaging my car beyond repair. My insurance is only 3rd party and that cost 3200 no-one else was involved however the police,ambulance and fire were present. What shall i do, do i inform the insurance company however without making a claim? Do i scrap the car and change my insurance? What are my options to prevent the premium going even higher than it already is.""

Backed into something. Will insurance rates go up?

Today I backed into something in my car. It did slight damage to the rear bumper but nothing else. Could I choose to file this through my Insurance, and would this make my rates go up? I'm 18. Thanks""

I am trying to get a 2006 Dodge Charger R/T. I am worried that insurance will be to high?

I am worried that insurance will be too high. I am 16 years old and my Dad is paying for it. What is the average insurance that someone pays. Do you tihnk insurance on this charger will be a lot?

Is it possible to be added to my parents insurance for a month?

I want to drive to friends house in another city, but I'm not currently insured on any car. Is it possible to become included in my parents car on a one month deal? I'm over 21 in case age is an issue. Also if it is possible can I do it with another insurer or does it have to be one my parents currently use. Finally how much will it probably cost? Thanks""

Insurance for 2 cars with 2 different companys?

I have got a citroen xsara. which has got an insurance with Express till 17/02. I am now buying a mazda 3 which am planning to have it insured today itself with Halifax. Is this legal?

Cheapest car insurance?!?

Im getting a car next week and i need some suggestions on the cheapest car insurance with full coverage im looking for around $200 a month or less im a new driver im 19 so i know its gonna be pricy. I live in Pennsylvania

SHould i trust AIS insurance broker co.?

I just got an auto insurance quote from AIS and they gave me $250 for 6 months for my 1999 ford. that's like $44/month for a 15000/30000 liability insurance and it is through MERCURY insurance co.... should i trust this and go with it?? i currently have GEICO paying $545 for 6 months

How much is Car Insurance in South Florida?

My husband and I are buying a second home in Florida. I am 42 and he is 52. Clean driving records no points only need liability on one 98 Ford Explorer and full coverage on a 2006 Ford Focus. Just an estimate would be great. Thanks

What are some cars with easily tunable engines and low insurance?

i need a car that i can make faster but i don't wanna pay alot f insurance. specific models please

Who has the best health insurance in California for college students?

I am a full time college student, and I am looking for health care insurance, but I'm not for sure which to go for. I was looking up Blue Shield of California, Health net, and Kaiser, but I'm new to this.""

""Car Insurance, should I go as a named driver?""

I am 25, just passed, I got a quote from the post office for a 2001 MITSUBISHI Colt 1.3 Equippe at 2500 for the year... I live in a posh area (my nan n grandads) and the car will be parked on the drive. If I go as a named driver on my Grandad's insurance, who has plus 10yrs no claims how much cheaper do you think it will be? Does my Grandad have to buy the car in his name? What's the best way I can do this? Or should I just drive his punto 1.2l as a named driver, as a guess how much do you think i will have to pay extra so my grandad is still paying the same he usually does?""

Looking for Affordable Health Insurance Rates?

I'm looking for a website that offers affordable health insurance rates.Please suggest me the best site

Collingwood Drivers Insurance?

I'm currently looking to get provisional driving insurance with this company and was wondering do I also need a full insurance policy alongside the provisional one with this company, Can not find any information about it thanks

Penalty points and insurance?

if i take out insurance with no points on my license then a couple of months later get 3 points for a ts50 do i have to contact my insurance company to tell them or not?

Can you report someone for driving without car insurance?

i know this person and i was just wondering if you could turn them in for not having car insurance without them knowing who turned them in. I want to prevent someone from getting hurt and not getting there part of the insurance claim or whatever.....anything will help..THANKS!!!!

Owner of car but not main driver on insurance ?

Hi I'm 18 in a month, and I'm buying a car on finance and I am paying because it will be my car. My dad will use it the same amount as I will be using it until I have it paid off then it will be completely mine. I was wondering can I be the registered owner of the vehicle but be a named driver on the insurance? I know about fronting but of we drive it equally why wouldn't my dad be the main driver as it is cheaper? But does it mean he has to be the registered owner? Thanks""

Car insurance?

I got my license 2 weeks ago and I am getting a car this week. What insurance company would you recommend that I go with? Progressive, Gieco or AIG. If you have any others, feel free to throw it out there.""

""If I get a pull-behind trailer for my car, will I need to insure it?""

Probably a stupid question, but I'm clueless.:) If insurance is required, what happens when I want to loan it out to friends and neighbors? Thanks!!""

Is this the big health insurance lie?

The legislation would impose several new fees on firms in the health sector. New fees would be imposed on providers of health insurance and on manufacturers and importers of medical devices. Both of those fees would be largely passed through to consumers in the form of HIGHER PREMIUMS for PRIVATE COVERAGE. Congressional Budget Office An Analysis of Health Insurance Premiums Under the Patient Protection and Affordable Care Act November 30, 2009 BUT..... The average premium for an unsubsidized, nongroup policy will cost 27-30% MORE. (same report) So won't private coverage decrease sharply ... And so too the fees collected from them ... which are suppose to pay for the subsidies . Or will really caring people flock to buy this extra expensive insurance?""

Ok how much would car insurance cost?

I'm asking this question for my 16 year old friend Gabby her parents just bought her a BMW 328i xDrive Sedan for 37,000 so she is wondering how much insurance is going to cost because she is in the proccess of trying to convince her parents to let her pay insurance or payments shes comparing which will cost less so insurance?? how much $$""

Ninja 250 insurance for a 17 year old?

I have no wrecks tickets or anything on my record for driving a car. I want a motorcycle because they are cool and get like 2-3 times better gas mileage then my car. The problem id my parents complain they are dangerous and thy also say the insurance is like 3 times as much. I live in the U.S will the insurance be a lot, if so can you give me a estimate per month? Also since a 250 is cheap and not very fast will that make a difference in safety and insurance price?""

Can anyone suggest a really affordable health insurance program for a family. That covers alot plus maternity?

Can anyone suggest a really affordable health insurance program for a family. That covers alot plus maternity?

Insurance (probability)?

An auto insurance company has 10,000 policy holders. Each policy holder is classified as.. - young or old - male or female - married or single Of these policyholders, 30000 are young, 4600 are male, and 7000 are married. the policyholders can also be classified as 1320 young males, 3010 married males, and 1400 young married persons. Finally, 600 of the policyholders are young married males. How many of the company's policyholders are young, female, and single?""

Can i put my parents on my medical insurance at work .?

what would i have to do to qualify them to be added to my insurance.

I need car insurance in broomfield co?

I have one speeding ticket and i'm 19 years old where can i go to get car insurance cheap i get min wage. and i need full coverage and if you know what full coverage consists of please let me know i have a 2003 dogde neon se

Estimated car insurance cost for an 18 year old beginner driver?

I waited until I turned 18 until I went to get my drivers permit. I've had my permit since November 18 2009. I plan to stay on the permit until its expiration date. I'm not sure what car I plan to purchase after that, something affordable (nothing over the top) and that will last quite awhile. Now assuming all that, can any of you share with me what your car insurance payment is monthly, just an estimate of course. And throw in what type of car you have in so I can get a better idea. I'll be 19 at the time I finally get my license. My parents will not be adding me to their insurance, I have to pay for this on my own and I'd like to start putting some money away towards it so that I can make the payments with no problem later on. Are their any other things I can do to lower the cost of my car insurance as well?""

Estimated Insurance Costs for Pest Control Business?

Hello, I have been considering starting a Pest Control business. I'd mainly like to focus on the removal of animals, however from a business stand point it would be much wiser to handle pest insects as well. Our state breaks down the minimum insurance you need which I will list below. I was hoping someone could give me just some reasonable estimes of what these types of insurances would cost based on the information I provide? If needed, I live in Rhode Island and based on looking at similar local businessed and their NAICS codes, the industry would be #325320. RULE 21. FINANCIAL RESPONSIBILITY (A) Each applicant for commercial applicator licensing shall show proof of financial responsibility to consist of either: (1) A performance bond drawn payable to the State of Rhode Island in the amount of $20,000 per job, or (2) The following minimum insurance coverage: Comprehensive General Liability (ground application): Bodily Injury Liability - $20,000 each occurrence - $40,000 Aggregate Property Damage Liability (Including completed operations and chemical or pollution liability) - $25,000 (B) Each applicant for commercial applicator certification shall show proof of financial responsibility to consist of either: (1) A performance bond drawn payable to the State of Rhode Island in the amount of $50,000 per job, or (2) The following minimum insurance coverage: Comprehensive General Liability (ground application): Bodily Injury Liability - $50,000 each occurrence - $100,000 Aggregate Property Damage Liability (Including completed operations and chemical or pollution liability) - $50,000 (C) Each applicant for commercial applicator certification in Category 7(c) Fumigation shall show proof of financial responsibility to consist of either: (1) A performance bond drawn payable to the State of Rhode Island in the amount of $100,000 or (2) The following minimum insurance coverage: Comprehensive General Liability: Bodily Injury Liability - $100,000 each occurrence - $300,000 Aggregate Property Damage Liability (Including completed operations and chemical or pollution liability) - $100,000 (D) Each applicant for commercial applicator licensing or certification, who applies pesticides aerially, shall show proof of financial responsibility to consist of either: (1) A performance bond drawn payable to the State of Rhode Island in the amount of $100,000, or (2) The following minimum insurance coverage: General Liability: Bodily Injury Liability - $100,000 each occurrence - $200,000 Aggregate Property Damage Liability (Including completed operations and chemical or pollution liability) - $100,000 (E) Financial responsibility required by paragraphs (A)  (D), where appropriate, shall not be required of persons whose pesticide application activities are part of their duties as governmental employees.""

Will my car insurance go down when i turn 18?

I got my license when i turned 16. I was driving a 2001 mustang. Within 6 months i got into a car accident. Long story, but wasn't my fault so don't judge me because i'm not some stupid teen who was handed a mustang and went around speeding and wrecked. I'm not like that. I was raised way better than that. Anyway... Now i'm about to turn 18 and i'm still under my parents insurance. I was wondering if my insurance will go down when i turn 18.""

Teenage Car Insurance?!??!?

I'm 15 and for my 16th Bday I'm getting an mid-sized SUV. & I'm just wondering about how much the monthly payments are gonna be......? thanks for any help:)

Contents Insurance. Average Price Roughly??

Not fantastic area, sharing a house. I have usual 20 something stuff (TV, Games Console, Laptop, DVD Player) Rough Price, THANKYOU""

Which company provides the cheapest car insurance in the UK?

I recently passed my driving test, so for a first time driver its going to be high but what if i am an additional driver""

Do I automatically have to get car insurance right after I get my license?

I'm 18, I live with my parents...In order for me to get my license my mom wants me to pay for car insurance (since I'll be under her name) which is understandable, but I don't have a car yet, and I just want my license in case of an emergency...like I won't even be driving around her car rarely. She told me that even if I wanted to get my license and not get car insurance yet, I can't because I live in her house?? Does that sound right? Can't I just get my license without car insurance until I actually have my own car?""

How long after a DMV hearing will your insurance be notified ?

I recently had my DMV hearing am in the process of getting a sr-22 with another insurance company . I am not the primary holder of my current insurance I want to avoid their rate to go up or for them to find out . How many days do I have to cancel my current insurance before they cancel me .?? Please help ?

Does anyone have a Pontiac G6 GTP?? i need to know how much car insurance are on the them?? please let me know

Does anyone have a Pontiac G6 GTP?? i need to know how much car insurance are on the them?? please let me know

""Florida Auto Insurance Quotes Online, are they really safe?

Florida residents do you really think entering all your valuable personal information online for an auto insurance quote is really the safe way to obtain auto insurance? A local personalized auto insurance agent who you can pick up the phone and call or stop by their office sounds so much safer and personal.

""Car insurance for new driver, help please?""

I'm 18 and I have just passed my test about a week ago, and am looking for insurance etc. But the quotes I'm getting are all about 2,500, which I cannot afford at all as I'm a student. I haven't bought a car yet, as I want to find a good quote first, but the details I have been putting in so far is Vauxhall Corsa 1.0l 3dr age 1999. Surely, this is neither a powerful nor new car, so I don't understand why I'm getting quotes of 2 and a half grand?! I have tried different cars, as well (renault clios, ford fiestas and polos) but it has made little difference. :( I know that the insurance is always going to be high for new young drievrs, but this is really taking the piss, if I'm honest. I have tried about 20-30 different comparison sites and individual company sites, and this is so far the best I'm getting. I've been putting in third party cover and social + pleasure travel or whatever it is. Also, that the car will be parked on a driveway over night. I will be 19 in four months, so is there a chance that insurance will have gone down by then, because it wouldn't be that long to wait. But otherwise, any suggestions, please, are there any details I should change, about the car or the insurance etc. Please help!! :( Thanks in advance""

Is insurance for a motorcycle alot?

I want to get a motorcycle because it is more convenient for me and its looks fun. But I heard insurance is alot? I am 19 I live in California and I have a drivers licensce. I am going to take the motorcycle class that I think is required. Will I get any discounts for any of these factors? Thank you guys

Does anyone know of any good prescription insurance?

We are a low income family who apparently make too much to qualify for any state assistance. I have expensive medicine needed for panic disorder every month and can't afford it. Does anyone know of any prescription plans that are affordable and worth it?

Collingwood Drivers Insurance?

I'm currently looking to get provisional driving insurance with this company and was wondering do I also need a full insurance policy alongside the provisional one with this company, Can not find any information about it thanks

What is the cost of Medical Insurance for an 18 year old?

I am a 17 year old senior in St. Louis, Mo. I plan to move out of my parents house promptly after the school year is over. My boyfriend and I have been doing a lot of research on apartments and creating a budget. My biggest concern though, is medical insurance.. I'm not sure how much it is going to cost us to be able to have it.. I would really appreciate an average monthly fee, (or at least an idea) Thank you!""

Car Insurance / Accident Question?

So both cars are backing out of the parking lot (two sided type in a shopping center) and neither one saw each other and bumped rear ends of each car. We both pretty much made the same mistake, how does insurance usually take care of this?""

Car insurance/medical question.?

I recently got into a car accident..and had to make a recorded statement over the phone to my car insurance company NJ Cure....about the accident..they asked...did you take any prescription medication that day? I said yes I take Lexapro...Nj cure replied...oh we didnt know u were taking prescription meds...I replied...u guys never asked in the renewal policy. My Question is this.....CAN THEY RAISE OR DROP MY INSURANCE COVERAGE SINCE I AM ON MEDICINE PRESCRIBED BY MY DOCTOR???

Car accident/health insurance question?

Hi guys, so here is my situation. someone rear ended me when I was yielding to other cars. The police came and gave her a ticket and he made us exchange information because he said the damage to my car doesnt look like its over $1500(thats the only time they issue a police report. I live in virginia).I hit my head and back pretty bad so I have been experiencing severe back pains and minor headaches. I have been seeing a chiropractor and putting all the bills on my health insurance. I got an email from my health insurance where they sent me a form for me to sign saying i will reimburse them from any settlement for health coverage that I get from the other person's auto insurance company. I havent signed/sent the paper back to them yet. Do I really have to reimburse my health insurance company??? the thing about it is, I am graduate student doing research(phd) so my insurance is fully paid for my the NIH at the beginning of the school year(so i personally dont make any monthly payments from my paycheck or anything). So do I have to reimburse my health insurance(GM southwest) for any health settlement i get from the other person's auto insurance company? I am thinking about getting a lawyer. is it really worth it? someone please help.""

Can I drive another car with my fully comprehensive insurance?

I have fully comprehensive car insurance on a car, I heard you can drive another car with the owners permission because you're insurance is fully comprehensive. (So if there is a crash my insurance will cover the costs 3rd party) Here's the tricky bit, I am on my friends fully comprehensive car insurence as a named driver. Can I (Being a named driver on his fully comprehensive insurence) drive someone else's car with there permission? Thanks in advance""

How much will the Insurance cost me for A 1999 Mitsubishi Eclipse ?

I am 17, and I was thinking about my first car, and I've been doing some research and I love the Mitsubishi Eclipse and I can afford to buy one since $1000-9000 is in my price range, I found a perfect 1999 Black Mitsubishi Eclipse is great condition for $6,999, but since I'm a new driver insurance will not be easy but I don't want to take full coverage I just want PiP. Anyone that works at an insurance company that could help or anyone who knows how insurance works answer my question.""

Why is a public insurance option so terrible?

This health care debate is turning into a complete mess...and most of the opposition I hear is concerning universal health care and a government run health system. But this isn't the bill that's in Congress right now...it's not about universal health care, it's about affordable insurance. I don't understand...""

At what age will my car insurance go down?

im 19 now with a clean record.

USAA or Amica for auto insurance?

As far as I can tell, these are the two top auto insurance companies... Which do you think is better, and why?""

Car Insurance Cost Estimate (UK)?

Iam 21 and 22 this year, i want to know an estimate car insurance cost for any car for a new driver, note i have passed my driving test a few years ago should be around 18, but i didnt really need a car back then. if Sum1 knows roughly how much i should be paying for car insurance please post here. i dont mind having the lowest benefits etc... just want a cheapest price estimate.""

""What would a $50,000 cadillac cost per month? + insurance?""

im looking into the cadillac sts (sp=47,000 - 78,000) and i want to know the monthly cost.. $275,000 yearly income (get paid yearly).. which is about $23,000 a month combined. take into account teenager insurance which i heard can be brutal and also... would buying this car stretch my finances? i dont want my family to be uncomfortable for just a car. like someone earlier told me 1k a month for my car payment but i want to know the other estimates""

How much will my insurance go up?

about 3 months ago i got a ticket for going 23 over and went to court. the judge gave me a $40 fine and said if i didn't get another ticket for 6 months that the first ticket wouldn't be on my record. this morning i got a ticket for going 10 over. it was really stupid because i was going the speed limit and had cruise locked on but it was a downhill and i got going. the ticket is $20 and i dont have to appear in court. Will my insurance go up? if so how much should i expect. the judge told me last time that if the insurance company doesn't look at my driving that they dont send them notification.

Looking for the best prices in auto insurance and Quick!?

I know there are some reliable auto insurance companies out there with killer rates. Anyone know something good?

Can I pay a AAA Auto Insurance bill online?

I'm in California but I don't know if that makes any diffrence.

Cheap Insurance for 16 driver??

I am looking for the cheapest insurance company for a 16 year old driver that can't go on any other persons policy. Can only go on individual policy!!!! Thanks for any ideas or companies

Trying to figure out how much Car insurance to buy?

i want to get 15/30/5.for bodily and injury and property. is this good? or should i get more?

Health insurance question?

I would like to go to the doctor but i don't want my parents to know about it. i have an insurance from my father's work. Will they know about me going to the doctor, since i will use the family's insurance?""

I have geico insurance for Arizona. Will I still be covered if I go out of state?

I have Arizona insurance. But I might take a job in California. Will I still be covered if I move there. I don't know how long I will be. Maybe six or so. I don't want to change driver license and such over if I am not going to permanently live there. Anyone know if I will still be covered if I go out of state.

How to get insurance for a soccer league?

im doing my own adult soccer league in hemet california and i have a lot of things ready the only thing that i need its to get insurance for the league but i do not know how to get it. the people who will rent the field to me wants me to have an insirance for the league and if i do not get it i will not be able to start my league.. help please

Can i renew my geico auto insurance for just two months rather than six months?

my insurance expires in oct but i'm planning to sell my car by nov. so i don't want to pay for my 6 month renewal in oct. is there a way out? thanks for all suggestions.

Vw Lupo S insurance group 1.4L?

What insurance group would a 1.4L Lupo be in. Also roughly what price would it be in that group. Im 17 and after a quote with no modifications.

Full coverage Insurance question ?

Would I be covered if my fiance puts me on his full coverage insurance? I just sold my car so I will be driving his until I get my new one. I canceled my insurance. So I need to know if I need to have my own insurance, or if I will be covered by him just putting me on his. Thanks guys.""

Auto insurance question???!! HELP!!!!!!?

Hello, i have a question on teen auto insurance. Now i know how bad insurance is for teens and I know sports cars are a horrible choice for a first fully insured car, but my father surprised me with a 2005 V6 Ford Mustang and I would like to know if anyone out there can help me with just telling me how much I am going to be looking in to pay. I live in Orange and I am going to be under my parents, just an estimate on how much it would be each month or 6 months will be fine and please, no rude comments. I understand how foolish it is of me to have a sports car at my age, but I already had an Altima 3.5 se-R with an air intake and drive it perfectly, always obeying speed limits, though this probably isn't going to help with the insurance cost. If you know from experience even better! thanks for ur time.""

I need a Dentist......I have no insurance....what should I do?

I haven't visited a dentist in years, but I really need to have a check-up. I have no insurance, What can I do? Where can I go?""

Why do women get cheaper car insurance?

Ive noticed all my guy friends pay a lot more for car insurance then i do why is that?

Collingwood Drivers Insurance?

I'm currently looking to get provisional driving insurance with this company and was wondering do I also need a full insurance policy alongside the provisional one with this company, Can not find any information about it thanks

https://www.linkedin.com/pulse/insurance-minor-marieke-fleming"

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Will medical insurance l be Mandatory in usa?

"Will medical insurance l be Mandatory in usa?

will medical insurance l be Mandatory in usa ?

BEST ANSWER:  Try this site where you can compare quotes: : http://averageinsurancecosts.xyz/index.html?src=tumblr 

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Which company health insurance policy is best?

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I have just purchased an imported sports car in Australia worth $18,000. I am 21 (under 25 means huge insurance here). I AM going to get the cars insured in my parents name. But the thing which determines (on paper) as to whether I am the primary driver, or my parents are, is who ever the car is REGISTERED under. My question is....would insurance be cheaper if my car was registered under my name, or my parents? And by how much? Thanks!""

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Can i claim insurance if i'm driving amother car?

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Why do we need basic health insurance?

Health insurance should be for serious issues that require surgery or hospitalization. Why do I pay insurance to get a checkup or for routine visits? The problem with health insurance is it is too broad; therefore, it is too big. The idiots who say that car insurance is mandatory as an argument for mandatory health insurance leave out that it is only LIABILITY insurance that is mandatory. You are not required to insure fixing your own car if you choose not to. Think about how much more expensive it would be to take care of routine things like car maintenance, appliance replacement, etc., if they were handled through an insurance company. The answer seems to be to eliminate most of the unnecessary insurance and shrink it to only what is required. That along with serious tort reform would eliminate much of the red tape and cost. The person who abuses their things pays more to replace and fix them. Same thing with the fat people, who suck up most of the insurance money the rest of us pay.. If you choose to be fat, then you will pay more to repair your health. It seems pretty simple, but then again the current proposal is not really about health care is it???""

How much does Homeowners Insurance cost?

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Will medical insurance l be Mandatory in usa?

will medical insurance l be Mandatory in usa ?

""Is $500,000 a large life insurance policy? Or is it just average? Or more of a starting point? Relative to what people typically have.?""

Is $500,000 a large life insurance policy? Or is it just average? Or more of a starting point? Relative to what people typically have.?""

If i have no car do i have to pay insurance?

if i have my liscence but no car, but i drive my parents car do i still have to pay insurance""

How much is car insurance for a 16 year old?

How much would car insurance be for a 16 year old female with a convertible volkswagen?

Why might a 19 year old driver be glad that insurance companies pool risk?

Why might a 19 year old driver be glad that insurance companies pool risk?

I am 16 and just got my license and I am wondering how much insurance would cost for a 1994 Mitsubishi 3000GT?

I live in Illinois and I already own the car. My parents are saying that the insurance is going to be to much to pay for. How much do you think it will cost per month?

""Hi, Maintenance cost for 2001, BMW 318 sei series?""

hi, I am thinking of buying my frist car, and i was thinking of a second hand year 2001 BMW, about 80000 miles, just wanted to know whats the servicing and maintenance cost for a BMW is like? Is it expensive ? does it break down often or is it a solid car? Otherwise i might look for a japanese model or a hyundai coupe. I was thinking of peugeot 206 as well and VW golf. hows the insurance for all of these car? Which car is better for a fresh graduate like me?""

What is the average price of teen insurance?

What is the average price of teen insurance?

How much does life insurance and car insurance cost for only one person?

How much is life and health insurance for one person with state farm? And how much is car insurance for one person with state farm as well?

Aren't health insurance companies allowed to sell across state lines?

I had health insurance in Texas from a company in Oklahoma. United Healthcare sells insurance in all 50 states, I believe. Why are people that are against health care reform claiming that health insurance would be cheaper if companies were allowed to sell across state lines? Also, if their claims is true, who would regulate it, the states through their insurance commissioners or the feds through a national insurance commissioner? I'm not interested in the politics of health care reform, just don't understand what people are talking about since I have had a different experience.""

Older Model Mobile Homes Insurance?

My sister & husband are buying a 1975 Moblie Home in New York State and need Insurance on it, All the insurance companies they looked at said it is too old. My question is where can they get insurance for a older type moblie home ?""

""For pain and suffering money, how much is enough to ask for from your own car ins. company?""

I was in a car accident where the other driver was at fault (under 18 yrs old, no drivers' liscence, no car insurance, failed to yeild). My car was in the shop for 3-4 weeks, I just finished chiropractic care, and my ins. adjuster is going to meet w/ me soon. I have full coverage insurance plus 'uninsured drivers insurance'. So anything my regular car insurance doesn't cover my uninsured insurance pays for anything else. But he also let me know I will be getting 'pain and suffering money. How much should I ask for?!?! I don't even know an estimate of what I should ask for. The worst thing about it is, since the other guy doesn't have insurance, my dealing with my own insurance company. They said after my claim is settled, they will turn around and sue the other driver. I don't want to end up sueing my own car insurance company either. this is my first car accident.""

Insurance on a 2005 hyundai tiburon?

17 year old guy First car Blue exterior Automatic car 4-cylinder Allstate insurance

**Average Homeowners Insurance for Condo in DC???**?

If the condo was $50,000 1bd/1bth in washington DC not many amenities cept fire alarm and enxtinguisher. once car garage.""

If my wife buys a car will my current insurance increase?

My wife is going to buy a car to learn in and use to get used to driving after passing her test. I am insured on my car and she is a named driver. If she gets a car and is insured as the main driver in it when I tell my insurance about her car how will my insurance be affected? Her insurance will probably be with a different company.

""I had a dui 4 years ago, i am not a resident in NC and looking for cheaper auto insurance?""

4 years ago i had a dui, now i am in NC and looking for car insurance that will be cheaper than expensive lol, eventho i have a dui""

Affordable car insurance for poor driving record?

About a year ago when I was in college I got cited for driving without insurance twice. Two years ago I have had my license suspended for minor traffic offenses. Recently, I decided to take a safe driver's course because when I originally started driving nobody ever taught me how. I am not required to have sr-22 insurance but I am wondering if that would be better than paying $450 which I am paying for Gieco. I am looking for someone in a SIMILAR situation or has USEFUL answers. If your answer is move to different state , you just have to deal with it , or shop around that doesn't help me.""

How can I take out life insurance on another person?

My father owes me money and I owe alot of money because of him. I'd like to be able to take out life insurance on him incase he dies before he pays me back. How would I go about doing this? I'm trying to figure out how to take the insurance out on him (since he owes me). Not have him get life insurance and then make me the benifactor himself.

Which is cheaper car insurance in newjersey?

Which is cheaper car insurance in newjersey?

Best way to save money on car insurance?

I'm 16 now, and I'm planning on learning to drive a car. I heard that if you have a driver license at 16 years old but you DON'T buy a car, which means you don't buy a car or drive a car or anything like that for 3 or 4 years, your car insurance will be deducted. So I have a couple of questions: 1. Is the statement above correct for California? 2. If #1 is wrong, then if I buy a car but don't drive it, will the money still be deducted after 3 or 4 years? 2. Is there any other ways to lower money spending on car insurance? 3. I also heard that you can combine your driver license with one of family members, but the money will be raised up a little bit. Is this true? And how can I combine my license to other family member?""

Help with car insurance?

i have a driving licence but do not own a car so i have no insurance of my own. if my friends mum offered to lend me her car for a few hours could i drive it through her insurance if she is fully comp and she gave me permission to drive it? and if i was to get pulled over by the police what would happen ?

Approximately how much will car insurance cost me in the usa?

im 19 years old im getting a mazda rx8 2004 it has 55k millage on it. i will use my foreigner license in the states. im live in new york and im a student on an f1 visa.

What car would be cheapest for insurance?

When I turn 16 I am deciding on getting a v6 1998 firebird or a 1998 v6 camaro what one do you think would be cheaper for insurance. I live in nebraska in a small town

I have had my car broken into and had my pc stolen HOW DO I CLAIM INSURANCE?

earlier this afternoon i had to take my desktop pc to pcworld to be fixed but came home with it straight away due to them sending an engineer out to my home to fix it, Anyhow heavy rain started upon getting home so i left the computer in the car so it wouldnt get wet, CAN I CLAIM ON MY CAR INSURANCE FOR A NEW COMPUTER?????????""

How much does insurance cost for a gas station in NH?

If I was to open up a gas station in NH how much would the insurance cost per month or year? Assuming I had an average amount of coverage and was running it as an LLC.

Need help finding cheap insurance for a first car?

i'm looking to buy a first car i've been looking at a couple of cars - Mitsubishi colt - VW polo - honda Civic (3door) my mom is willing to go on the policy with me just wanted to know what else i could do for cheaper insurance

Will medical insurance l be Mandatory in usa?

will medical insurance l be Mandatory in usa ?

Average insurance for a 23 year old in Texas?

I am a 23 year old male from Texas and I'm shopping around for a new vehicle. I'm stuck between a quad cab dodge ram and a dodge challenger. About how much would I be payin on insurance a month on either of them?

How much would insurance be for a Corsa C 1.2 SXI?

I am 17 just got my licence and want to know how much on average would it cost ?

New car for 16 year old. Insurance question?

So I'm 16 and my parents are buying me a 2009-2010 Honda Civic EX-L. Anyways, the insurance will be under my dad's name. Until I get into an accident, I don't need to have insurance. Would it be better to stick to the insurance we have now. Which we have 5 houses under, and 3 cars. Or would it be better to go to another insurance company and not let either know of eachother? Thanks! Oh and don't bother BSing about how it should be under my name... I won't listen so why do it?""

What is the best car insurance for someone in their 20s?

What is the best car insurance for someone in their 20s?

How to get health insurance for my daughter?

I'm 22. I have health insurance coverage under my parents (it's just better insurance than I could get on my own, that's why I've kept it). However, I am pregnant and need to find insurance for my daughter for when she's born. Under my current insurance, I am covered but she is not. My question is, what should I do? I got an application for Medicaid but will it cover her before she is born, even though I don't need insurance? Any advice?""

What is the cheapest auto insurance if you have points on your record?

I got myself a DUI 6-7 years ago. I was told by many that prices of insurance would go down after 5 but apparently it's after 10 years. I am on a very low budget but drive for work and drive to where there is no bus or train to take care of my parents. please if any one knows any good but cheap insurance for an older 4wd car. thanks.

Why would insurance cost me 500 quid for a 50cc bike?

Im wanting to purchase a 50cc bike, derbi gpr 50 racing, 2009. it would be kept in a garage, and im only looking for third party cover. the bike costs 1650, and i have passed my cbt and have a provisional license. do i even need insurance?""

Is the homeowners insurance higher in florida if you have a pool?

Is the homeowners insurance higher in florida if you have a pool?

Will car insurance cover in case my friend crashes my car?

Will all kinds of car insurance cover a case when a friend borrows a car and gets in an accident? What do i need to look for in my policy to make sure that my car is covered even if someone else other than me drove my car.

How much do insurance csr's make in california?

I'm working as a receptionist at an insurance company and am thinking about staying in insurance long-term. How much do customer service reps generally make in CA? I've tried googling and the numbers I'm coming up with are very close to what I'm making as a receptionist, which cannot be correct. Any help would be appreciated. Thanks!""

Insurance question?

When setting up your insurance online does the company know how many years NCB you have? if not could you lie?

Will my car insurance be invalidated?

Phoned my car insurance company today to report a minor bump. The guy asked if I had any points on my license and I told him that yes I have 3 points for speeding. He said that they had no record of this. I don't know why they have no record of this but that's not really the point. Will they try to claim that my insurance is invalid? If they do try this will I be able to claim a refund as I will have been paying them money for literally nothing for the past four years?

What is cheaper for insurance mustang or charger?

well they would both be 2007. v6 cause my insurance is already high. and what one would you choose i want a mustang but alot of people have them but a charger has a big body

What is going on car insurance ?

i had a crash over a year ago, my car insurance took it to court last week due to the other party not having any evidence or produce thier side of events etc. the Judge told them they had a week to comply and they should settle 80-20 in my favour but they still are playing hard ball by saying they think i know my witness, so they should have it 80-20 in their favour , of which i dont. so why are they still not showing their side of the crash etc, and dragging this out. also is this legal?""

Car insurance loopholes?

What are the loopholes for lowering your car insurance? Ie. will putting the car in my parents name lower the insurance? Adding someone else on? Lowering the estimated value? etc.

Education in finance and insurance?

I am 43 and working as middle level executive in insurance.I would like to know about some advanced courses in life insurance and finance.

Health insurance?

i need health insurance that is affordable to me. i am willing to spend 30-100 dollars a month. i just basically want something to cover my dental and doctor . it can be network far as i car i dont really need ppo. i also want it to cover some of my presciption.

Which auto insurance providers do not use credit rating as a factor in determining rates?

I'm 28. No accidents, no tickets. I work from home. Go to school online. Car is garaged kept, old and driven only a few times a week, within 3 miles of home. I'm in no way a danger or menace to society. Through mistakes (ages 18-24) I have bad credit. Current insurance, paid 6 mos in advance is coming up for renewal, and has risen due to bad credit. I do not think I fit the criteria of high risk in terms of claims or bad driving.""

Is it illegal for insurance companies to not insurance a Electric Car?

I was gonna Reserve a Nissan Leaf but wanted to know the insurance cost before. I called my insurance agent who's i'm good friends with and asked How much would insurance be on a Nissan Leaf cost? he said We nor any other insurance will insure it. i asked why and he said Oil Companies are paying them because if you cant get insurance on it, you'll have to go back to gas. Is it illegal for them to do this? I really want a green car.""

How much does canadian car insurance cost for a 20yr old male NEW driver for a used CAR or used SUV?

Just give me an estimate for a car or an suv in canada. Just an estimate. I know its different for all cars and suvs but just give me an idea obviously the differences CANNOT be thousands and its gonna be in a certain range. if u can give me a range fine, give me a range im just a new driver and male, 20. these stupid car insurance companies cant even give me that much its not like im going to be paying 9000$ instead of 300$.""

What is the best priced auto insurance company for people who have been canceled due to too many claims?

These claims are all due to serious weather, vandalism, and theft.""

Cheap insurance cars?

What new-ish cars (about 2008 onwards) are amongst the cheapest to insure for a 17 year old male? Not really looking at a stereotypical first car like a Corsa or Clio etc. I know insurance isn't cheap, but what cars have the cheapest available?""

Is their any where that can calculate the average price of car insurance without details?

I just want to calculate the average cost for car insurance without the hassle of putting in my personal details being that it will be at least 2months till i get my licence.

Average 600cc Sportbike Insurance in Canada?????

I am 21 and have Full G license for 5 years and M2 license for one year. Clean record and thinking of purchasing a brand new bike of 600cc for around $10000. What do you recken my insurance be approximetaly??????????? Thank You for your replies........

What is the cheapest car insurance in nj for teens?

What is the cheapest car insurance in nj for teens?

Will medical insurance l be Mandatory in usa?

will medical insurance l be Mandatory in usa ?

Cars for teens with good gas mileage and cheap on insureance?

im looking for a reliable car that gets good gas mileage but cheap on insurance. any ideas??

""If you work for an insurance company, would you get discounted car insurance?""

I have a 2nd interview for some insurance companies, one is at progressive and the other is at all-state. My car insurance is expensive because I'm in my early twenties even though my record is spotless. It occurred to me today that if I work at an insurance company I might get discounts. Does anyone have an idea of how much of a discount these companies offer on insurance for their employees? That is, if they even offer discounts at all. I know you obviously can't give me an exact number, I'm just interested in the benefits I could potentially have as an employee.""

What cheap cars to buy insurance wise?

Looking to see what is a good car (within UK) to buy for a 1st time driver that just passed test. I was thinking corsa or Ka something 1.3 or lower, only requirement I have is the same reason for a car and give up motorcycles- need the car to be able to fit a baby seat comfortably in the back seat, any suggestions?""

Which minivan has the cheapest insurance for a NEW driver?

looking at second hand minivans - been doing some rough online insurance calculations but so far all above 1000. any body know any minivans which will have a low insurance for a NEW driver

Does anyone know the average price of plpd insurance on a mustang gt for a 16 year old?

I am turning 16 and I really want a mustang gt ive found one but I need to find the price of plpd on a mustang gt so if anyone has any answers or prices please tell me

Ideas for Cheap car insurance?

17 getting a Suzuki swift. Need CHEAP endurance Anyone know?

What is the average cost of car insurance for an 18 year old mail in Florida?

And which insurance company is the most affordable provider?

Can you pay car insurance with a credit card?

in a few months I'm going to be moving, but due to certain circumstances, I won't have enough during the time period for Car insurance, So I was wondering if I could charge it to my credit card. I'd like to know from someone that knows for sure, rather than a guess. -Thanks""

How much condo insurance should one get?

if i have a condo that i want to get insurance for, what is a good amount? the condo is 1215 sq ft w/ 2 bath & 2 bedroom.""

Does ca auto insurance cover motorcycles?

Like, as long as you have some form of insurance is it okay whether it is for cars or motorcycles? I have auto insurance for my car, do i need seperate insurance for a motorcycle?""

How much is car insurance for a 17 yr old girl with her own car in Ireland?

How much is car insurance for a 17 yr old girl with her own car in Ireland?

Financing a new car and with no insurance?

could I finance a new car then have it sit in my drive way with no plates or registration to avoid paying for insurance ontill I pay the car off

Is my son even covered under our car insurance?

My 21 year old son not only is no longer in college he also got married 3 months ago. I have not canceled him from our multi-car policy, I guess just so he will have car insurance (liability, required in our state), but I know he was supposed to be removed when he got married, as he is no longer in our household. I also would like to remove him so I can benefit from a lower premium. He keeps saying he can't afford it, so I keep paying the bill each month, that includes his car on it. I guess I am asking if he got into an accident would the insurance even be good, as he isn't even living in our house and he's married. I may have wasted my money these last 3 months anyway, but don't want him to get caught with what appears to be uninsured, without a valid insurance card in the glove box.""

How much would storage insurance cost?

Im 16 year old guy, i have a 94 camaro z28 and i want to know what the insurance would be a month for storage, i have state farm insurance and currently pay $150 a month""

In California can my car insurance company raise my rates based on my new zip code?

I moved to another city within South Orange County, CA, and Allstate raised my rate because of my new zip code. I thought there was a new CA law insurance companies can no longer do that.""

What is good insurance for teens?

Can I have some good companies? I want the basic insurance package. im 17, male, senior in HS""

How much would motorcycle insurance cost?

Hello, i'm 20 about to be 21 in december, but i'm gonna be going for my motorcycle license in a week, an planning on buying a kawasaki ninja 250R since it has good reviews, but i'm wondering how much it would be for insurance i'm just going for motorcycle license cause i don't like cars, trucks etc. but yeah so i don't have a normal license so i have no driving record of crashes etc. i'm in indianapolis, IN cause i know states vary. Rob""

How to get Get Affordable Car Insurance in Detroit Michigan.?

Is there any information i read about this?

If you can't afford health insurance?

How will you be able to pay the $3800 fine proposed by the democrats? Also are those fines figured into the cost of the democrats insurance reform as a revenue to aid in paying for the program?

""Got my first speeding ticket, will my insurance go up?

Im 20yrs old if that matters.. And this is only my first ticket. I was going 80mph on a 70mph. Will my insurance go up? If u know please tell me. I have state farm.

Cheapest first cars to insure?

Now ive been searching for months and getting quotes on all forms of cars,I have read pages of articles on best first cars,and none of them actually have any truth to them. smaller engines are cheaper .No they're not,quotes for a 1.2 and a 1.4 fiesta/corsa the bigger engine is always cheaper (yes these are the same trim,same year and similar mileage) Insurance groups? pfft what are they,insurance group 1 vauxhall corsa 1.0 costs atleast 200 more than a 1.6 VW golf... I can insure a 25 Foot mercedes sprinter with a 2.2 engine for 975,yet a 1.0 corsa or 1.2 fiesta is waking up 1200+ Cheapest quote ive obtained is 650 for a ford fiesta car derived van. Can anybody explain these ridiculous criteria,do they even have one? I am 18 years old and passed my test today.""

Car insurance. Help!!!!!!!!!!!!!?

I pay $177 for just liability with progressive through my mom. I need a cheaper insurance so I wanna switch. I've never dealt with this before so do I get one agent or do I have to get agents from each insurance company to find out which company would be cheapest?

Can you buy Insurance to cover accidental injury only?

My kids have no health Insurance. Can i buy an Insurance which can cover them only for accidental injury caused by fall or skate boarding?

How much would some general liability insurance cost for a start-up salsa company?

My wife and I are starting a small salsa company selling it at the farmers' market and hopefully some local grocers. We would have no employees and sales will be well below $50K for our first few years. How much would some general liability insurance cost for a this start-up? We are in Lancaster County PA if the area matters. Rough estimates would gladly be accepted!

No insurance and expired tags in kentucky?

I got a ticket for no insurance and expired tags in Louisville Ky, I've never neen in any trouble before with anything not even a parking ticket I just could'nt afford the insurance and tags. Whatare the chances of serving jail time for this? I know inKy, it can pack a 90 day sentence please answer I'm kinda freaking out.""

Will medical insurance l be Mandatory in usa?

will medical insurance l be Mandatory in usa ?

https://www.linkedin.com/pulse/geico-car-insurance-refund-eric-lewis"