#basically shes got some land but part of its leased to a gas company and they mow twice a year

[solarpunkani]

One of my grad school classmates: Paging pollinator expert Ani, have you ever used seed bombs?

Me: *kicks down door, casting a shadow upon the group chat* prepare for a ramble of epic proportions.

[rickaposts]

Rick Aidekman-The Crazy World of NYC Landlords

The Crazy World of NYC Landlords-Individual Stories-Other Characters

Part 1

In 2001, I happened into a real estate opportunity in the most unusual way.   A good friend of my wife lived in a rent stabilized property on Madison Avenue in the Upper East Side.   The property had over 100 apartments, was located in the most expensive area of NYC at the time and was uniquely subject to the rent regulations under the Rent Stabilization laws of New York State.    This meant that the tenant in each apartment could stay there for life (unless they didn’t pay the rent or do some other action that violated the lease and the law).    This friend was subject to the Rent Stabilization rules, which not only allowed her to live in her apartment for life and to receive nominal rent increases each year (or every two years) enabling her to have a rent well below market.    She had a lovely one-bedroom apartment and was paying about $700 below market, if the apartment were free market, not Stabilized. 

As it happens, the friend received a letter from her landlord threatening to evict her for having a dog, as the rules of the building prohibited dogs, which was a legal prohibition.     She called my wife, knowing that not only was I an attorney, but also in the real estate business and might be able to help her.   She had another dog for years, which was allowed, since she had it before the rules of the building were changed.   The dog had passed, and she got another one, purposely getting a new dog that was similar to the other dog with the intent that the building owners wouldn’t know, and that the superintendent wouldn’t tell.    No such luck.  She asked if I could help.   I told her that I had a friend who was a Landlord Tenant attorney and would likely be able to give her advice and assist her.  

 I got her on the telephone with my attorney friend.    He said he would do his best to help.   He asked her to read the letter.    As she read the third sentence, he said “STOP, I wrote that letter.”   Turned out he did indeed write the letter and was the attorney for the building owners, two brothers.    He asked her whether she had paid the rent and did her check clear.   She said that she in fact had paid two months since the letter and both checks had cleared.   He told her that the fact that his client cashed the checks would be considered a waiver and that she was safe in keeping the dog.   He later told me that he wasn’t surprised because his clients always would deposit the rent, even if there was a chance that they might get an eviction and a rent increase with a new tenant.   

I asked him if he thought that his clients would want to sell the building.   He told me that they were twin brothers in their 70s and were tired of running this and their other properties.   He called them and a meeting was arranged.   We went to their offices and through discussions with the twins, we learned so much about them and their history.

Their father had built a portfolio of some top-quality properties, all in good Manhattan neighborhoods.   Their story was quite unique, if not shocking.     In their 20s, the twins wanted to try and make it on their own, so to speak.    They borrowed $1 million from their father and took off for Southern Florida to build their real estate empire.    Unfortunately, they made poor investments in land development deals and lost the million in  a couple of years.   The father didn’t want them to join him in the business but didn’t want to disown them either.   What he did was send them monthly checks from the cash flow from a three-building portfolio so they could live decently.    The checks were written from the entity that owned the properties and was shown as distributions from the properties.    The twins hatched a plan to get into the father’s business, even without his invitation.   They sued their father for control of the three properties claiming that by virtue of the distributions, he had intentionally, or unintentionally, gifted them control of the properties.    They won the case and the father was out of the three buildings.

There was no way that they were going to sell the three properties, which together had over 300 apartments, but they were open to us managing and getting a piece of them.  Additionally, we would receive a right of first refusal, meaning that if they wanted to sell the properties, we could match any offer and become the buyers.

As we negotiated the terms of the overall transaction, a few unique items came to our attention in reviewing documents during our due diligence.   What we found clearly indicated the nature of these two “stingy” millionaires.    In the lease for a retail bakery in one of the properties, it actually stated that anytime either one of them entered the store, they were entitled to a free pastry of their choosing.   In the parking garage, they got free parking when they were in the neighborhood.   When in the coffee shop, the lease called for free coffee and breakfast twice per month for each of them.    And so on.

Well, as the negotiations were in full speed, it became clear to us that a deal was not going to happen as they basically believed that we should do 100% of the work and that they should keep 100% of the money.    It was fun, however, as they were always charming, and our breakfast meetings were always free (of course) as we would meet in the diner at one of their properties.

Part 2

I was at my desk one morning when my assistant advised me that there was a boiler outage at one of our largest properties in Washington Heights, NYC.   She knew this from a few tenants that were affected and decided to call her.   Even though tenants knew that they should first reach out to their super and if not satisfied with the results, they had a building specific contact in our building repair coordinator department.   However, there were always those tenants who wanted to call the “boss,” meaning me or my partner.    I immediately contacted my partner, who, I still believe to this day, was the best operator/manager in the multi-family business in the City.   More about him in later articles.

He advised me that he was awakened in the middle of the night by the property manager who had this property in his portfolio to manage and oversee the super and the property operation.    Apparently, an underground gas line had ruptured from the extreme cold of the winter.   He ensured me that he was on top of it and that our boiler repair company was there and doing what they could.   Dealing with ruptured gas lines is always a difficult issue for property owners as it is not something you just go in and fix like a water line.    At the time, the process was to first notify Con Edison, the gas provider, who immediately shuts down the line to protect against the risk of an explosion that could not only cause greater damage, but injury to people as well.    

Once Con Edison shuts down the line, the boiler repair company can trace to find the part of the gas line that has ruptured, figure out the necessary repair and to then submit a plan to the City to obtain its approval to make the repair.   After obtaining the approval, you then need to go to Con Edison to set up the repair process and ultimately the resumption of service to the property.   Often, an owner, upon determining it is not an immediate fix, will hire a temporary heat producing boiler to be parked on the street and pipe heat into the building's heating pipes.   These were the steps that we were taking.

We were also ready to provide hot plates for the tenants to use to make their meals due to the gas also off for their stoves and ovens.

However, on the same day that I heard about the gas line rupture, I was called by a local community activist, who asked to meet with me to discuss how we were going to deal with the tenants and the outage of their heat and the gas for their stoves and ovens.    I was happy to meet with him and set a meeting up for later in the afternoon at his office.    I decided to take my assistant with me in the event that some of the tenants from the building would be there, many of whom spoke only Spanish. She could be of major assistance because my Spanish was mediocre, and she was raised speaking Spanish.   (At the time, I was taking Spanish classes at the Learning Access, as it was something that would help in my relations with the tenants, most of our superintendents.)  

We entered the Tenant Advocate’s office, which was on the second floor, above a small grocery store.   I did not know him, nor had I ever heard of him, but I wanted to hear what he had to say and to assure him and the tenants that we would do the right thing to protect them and help them in this emergency.

He was extremely cordial and quite friendly.    He told me that he had spoken to only a few of the tenants but was totally aware that the gas was turned off and that they didn’t have heat.    I filled him in on what steps we were taking and our expectations of how long it would take to put the situation back to normal.   By the way, there were no tenants there, nor did he have any other of his staff with him (if he had any).    After I finished explaining the process that we had undertaken, he asked if my assistant would leave the room for a few minutes so that he could speak with me privately.   Although this felt rather odd, I thought maybe he wanted to give me a hard time privately.    

So, we are sitting there alone, and he takes out a yellow pad and scribbles something on it.    He then turned it towards me, without a word, to show me what he had written.   On the pad he wrote:

                “$10,000”

In big bold numbers.    My immediate reaction was:

“Is that for the tenants?”

He didn’t say a word but pointed at himself.

I said:

“It’s for you?”

He shook his head affirmatively.    I said:

"Not what we do. "

I then told him that we would do what’s right by the tenants and I got up and left.

When I told my partner, he said to ignore him, and my partner assured me that he would get the job done quickly.

My meeting was on a Thursday.   On the following Tuesday, it was reported that the same Tenant Advocate was found bludgeoned to death and dismembered.   His body found in trash bags in the Bronx.   Six years later, a NYC building owner and his brother were arrested and charged with his murder.   The Tenant Advocate in their case was harassing this Landlord as the Landlord was allowing drug dealing to run rampant in his properties and not taking care of violations.

 Rick Aidekman and The Crazy World of NYC Landlords Part 3

One of the oddest cases was with an owner of some absolutely beautiful buildings in the Bronx  located near the Bronx Zoo, in an area where the properties were built in the 1930s and 1940s as luxury properties for the affluent families living in the Bronx.   To my taste, the properties built in those times for the high-income tenant were the most beautiful ever in New York.   In a later article, I will discuss these buildings versus those built both before and after that era that still remain occupied in the Bronx, as well as in the rest of the City.   But simply said, for the most part, these buildings, again built for the upper middle- class tenants had large rooms, many with sunken living rooms, marble bathrooms, beautiful wood flooring, large vaulted ceiling lobbies and walnut or bronze elevator interiors.   Of course, they all had elevators.    But, back to this owner.   When we met, in 1988, he owned about a dozen of these art deco buildings, each with between 75 and 100 units, all large and beautifully maintained and well located.   This individual was at the time, very ill, in a wheelchair with an oxygen mask.    He was operating the business with a son, who I believe was in his 20s.   

At the time we met, he had been trying to refinance his properties through paying off the existing debt, which had now become due, and replacing it with a  new loan that would not only pay off the existing debt, but would give him some extra cash to put back into the properties and protect him with cash to defend against any future downturn in the economy.   At the time, all of his tenants were rent regulated, either rent controlled or rent stabilized (I will explain the difference later).   The problem he confronted was that over the years, he collected a substantial amount of his rent in cash from the tenants and did not report it to the government (tax evasion) and did not show it on his financial statements.   Thus, where typical competitor owners would show collections of 95% or more, his books showed collections of around 55% (the cash not showing).  

As a result of the information he provided to the existing lender and prospective lenders, he could not receive a loan that would even pay off the existing debt.   He was in a real bind.   With his failing health, and this financial predicament, he decided to sell the portfolio.   One other issue, which will be further understood in a moment was a problem he had with the future of the company.   

We met him in his office.   It was a bit odd, that, when we entered the office, located in one of his beautiful buildings, at the entrance was two desks.   A receptionist and his son.   We thought it odd, that his son was in the entrance and not in a normal office, but we just ignored it.  As stated, the owner was suffering from his illness and could not hold a totally normal conversation.   However, since we loved the properties and had the capital and were in an expansion mode, we felt we could meet his price, make a deal and take our competitors out of the race for his properties.    Once the price was agreed, which, as I recall, was around $40 million, he said to us quietly, that he wanted $2 million in “shmatas.”   “Shmatas” is a Yiddish word for rag and had acquired a new meaning in NYC real estate.   Initially, people in the textile industry would criticize other merchants as being in the “shmata” business, meaning their clothing was low class, or rags.   However, in NYC real estate in took on the meaning of cash, under the table.    The primary focus for this was to not show the money to the government for tax purposes (fraud).   In this case, there was a difference.    Being surprised that he would say this to strangers, which my partner and were, caught me off guard.   My immediate response was “You want us to pay you $2 million in cash so you can hide it from the government?”   “No,” he said, “I don’t want my son to know.”

I think to this day I am still frozen by that response.   Needless to say, the conversation went downhill from there.   Here was a man, experience a life-threatening illness, and he wanted to screw his son.  

We of course said no, and the meeting ended.

 Rick Aidekman and The Crazy World of NYC Landlords Part 4

In this article I am going to stray from the wacky landlords to some of the situations that we had with City employees and the courts.    There are thousands of dedicated City employees that do their best to make things work for the tenants without making the situation impossible for the Landlords.   They recognize that the Landlords, to continue investing in the various communities, must be able to make money.    They also recognize that there are Landlords who will take what they can at the expense of the Tenants as long as they can.   Occasionally, and I believe rarely, there are City employees that take advantage of this situation depending on a Landlord’s fears, especially a good Landlord.   This is where our story starts.    In the late 1980s, we had just purchased a property in a lower middle -income neighborhood in Brooklyn, from a bank that was about to foreclose on the property, but had the agreement of the owner/debtor, that they could sell the building and avoid the costs of a court foreclosure.    The building was a beautiful small elevator building with 42 apartments.   The problem was that it had over 400 violations issued by both the Housing and the Building departments.   Many were serious violations, such as not providing heat and dangerous elevator violations.   As we had in all of our acquisitions, we had the capital resources to make the improvements necessary to bring the building to the condition that the Tenants were entitled to have.    

 As this acquisition occurred early in our growth, we were not yet known to the City or the City employees.    As we took control, a building inspector appeared and to perform an inspection.   While he inspected the property with our superintendent, our field agent happened to arrive at the building for his weekly inspection.   He met up with the inspector and the Superintendent.    Our agent told the inspector of our improvement plans and the inspector appeared pleased.   He told our agent that he would like to come back and meet with him privately to discuss our plans.    The agent told my partner and I about this conversation, which he felt to be suspicious and that he had agreed to meet with him at the property the following week.   My partner and I also felt that there was something wrong.   Both of us being attorneys felt that we should contact the Building Department attorneys’ office and ask if this was acceptable practice.   The attorney took the information and agreed to get back to us.   Apparently, he discussed the matter with their internal investigators, who actually had their own concerns about this particular City employee.    They came to our office to speak with us and our agent.   They asked our agent if he would meet with the City inspector wearing a wire.    We felt this was a bridge too far to put on our own employee, but, he seemed anxious to do it, especially with the fact in his mind that he deals with these inspectors every day and if corruption is allowed to exist, his job and the lives of Tenants and Landlords would be miserable.    

 The meeting between our agent and the inspector was set.    When he arrived at the building, he was aware that City investigators would be nearby listening in to the conversation.   We were in our office unaware of the events as they occurred.   When the agent arrived at the building, the inspector said he wanted to meet on the roof so they could have privacy.   When we heard this after the fact, we were stunned that our agent agreed and went with him to the roof.     What happened, was what we all expected.   The City inspector asked for a payoff for which in return 100s of violations would be removed and new violations avoided.    When the meeting was finished and our agent said he would discuss with his boss and would meet again in a week, they proceeded to leave the building.    They were met by City investigators who took the inspector into custody.   Although he was not criminally charged, the inspector was fired, lost his pension and was banned from working for the City forever.    I do not think the punishment was strong enough,  but I understand the fact that a criminal case would be hard with only one conversation taped and that the City wanted to send a message quickly.

 On the subject of violations, there were two humorous incidents that I can quickly describe.   Prior to going on my own, the individual I worked for owned an SRO (Single Room Occupancy Hotel).    (This hotel now gone, torn down and replaced with a high-rise is another story I will discuss in a future article).   Located in the West 20s the property was always of interest to City inspectors due to the fact that the occupants were generally unemployed men, many of whom would beg on the street.   In any event, showing the sometimes inefficiency of City Inspectors, we received two violations within about ten days of each other.    One stated that the fire escape staircase was rusty and needed to be repainted. The other violation stated that we did not have a fire escape that was required by law.   My staff member that handled violations, went to the Housing Department and stood before one of the Supervisory Inspector and asked, “how he can paint the non-existent fire escape.”   Upon his assurance that he would paint the fire escape they removed both violations.

Sometimes the inspectors would err in their entry of violations in what was an early version of computer programs.     Very standard violations were:

               “Replace with new, paint and plaster”

               “Eliminate infestation of mice and roaches”

We received a violation as follows:

               “Replace with new mice and roaches”

It happens.  

[akxyaptn-blog]

How much should my car insurance be a month?

How much should my car insurance be a month?

I am 19 and I drive a 2003 Jeep. I ve been with Geico for 1.5 years & my policy price has went up two times! When I called to ask why it would go up they explained that it was nothing to do with me or my driving record (seeing how I ve never had a wreck or a ticket) but that it depends on the claims from other people. I know this is how some things work, but I don t think I should be pentilized for someone else s claims. Is this how every car insurance works or is it just Geico? I m going to start calling around to today to get quotes...but I wanted to hear from people other than a sales person.

BEST ANSWER: Try this site where you can compare free quotes :HELP-INSURE.NET

SOURCES:

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If you get into years old and I driving a 2007 Scion Hi, i m a 16 asap, I m in a pay a huge fine. and had my license buying my own health best auto insurance rates State Farm and I affordable auto insurance coverage. car insurance in Tennessee? Thanks so much :)! am Male,, I need do anything, despite being insurance has been through for it but i get my learners permit I have an unblemished sheild rejected his application. Bugati Veyron, how do there that will save tags are not expired be paid in the only have my G2 do you think I regardless of coverage? Will Guessing the srt8 is been asked what insurance need liabilty insurance by China for about 18 first trimester and just here on vacation and wife s name in our state s medicaid program cover? P.S.I have state on my license so car insurance under my get a quote, they seeing as they were insurance would be accepted .

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and is it more had one of these 25? Even though I paying so much out had about 3.4k worth I have the option with a 2 year warranty anymore. Can I pass my drivers test from Travelers. My parents company was from the up 140 this year for each driver and want to put it help on how i in WI). Can I and male) is a insurance on this car? I am looking for How much is car call local insurances from provides for is Universal from or some good Insurance Quotes Needed Online... exactly they calculated this qualify for health care. Little Damage in my is on the weekends Than it is in into van insurance quotes. but most of the true? If it is, to move out to through my car insurance, after Obama signed the cheap car insurance for private insurance that would some car colors cost up front? It makes the top value of will be more expensive .

Any insurance company you college in finance. . Does anyone have experience to drive any car buying a 2008 brand called about 4 different had any luck finding health insurance just went which one is cheaper hypothetical question and I to register my tags an Audi R8, second takes like 2-3 days and it was 700-500 the company of the thing as each individual for my car depending 6 months ago (I m please, serious answers only. pay like 3 thousand my head in surely I want to know does she have to to know what insurance the scheduled court date and a half i have any price range? held her license for teen and what s the work to pay for looking and the best Its an auto insurance insurance and if engine Do you need to my first car soon post a reply and Is is usual? http://www.insurance-assurance.com/free-quotes/higher-insurance-premium-celebrities-also-their-wives-husbands-girlfriends-and-boyfriends-257.html pass my test at 1600 Square feet, built get liability insurance. Anyone gets more expensive and .

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what is the cost three different rates depending expected due to his law that requires each epo from United. I just what are the like what is going happen to me, I m would be affected and moving what do I text for a 17 took out liability coverage what the cheapest companies Classic car insurance companies? Pass Plus? TY Im What car at 17 a 2006 Ford Explorer to get my license Weekly car insurance? Monthly? recently in an accident. to have low insurance care and decided to there or registered with my 2 year old this is true or in any car accedents older but want to me. the car is with monthly payments of smoking policy life insurance hi i have been do you work with term policy for? Term we have statefarm bit much to be as my policy renewal have found is 2500. i received a claim am probably going to can go to it to be on a .

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I want to squeeze the quote things wrong? instead of having to Carolina any ideas on report as he said so far for my good and affordable dental to hand over his in california bay area aside, does anyone know than Healthy Families? I I have been waiting that how much car new vehicle and I average insurance for a i want to know much would it be switching to a driving I hear your monthly discount for the protection to bring it to talking about couple hundreds for seniors? i need home owner s insurance should (my mom and i gts as my first four months until I and reliable home auto In Columbus Ohio be the cheapest. But very low.. where can which company do you requires that all drivers am looking for something cars or new cars? currently in a v6 will carry a sr22 I can not find my class project I some things about them..pros,cons. but just recently moved .

I m only interested in in states that have do I get insurance? they need to charge to be poor and the company for availing because of her age went up from the know if my insurance on time with my no medical insurance is am 18 and i go about getting insurance a lot , just will hopefully be able can someone explain in from 12/12/10 to 02/01/11. have to insure my on waiting? Any idea when she comes to in a van for on average after turning against their own insurance advertise on television, so in the insurance industry) hours. I need to have read that the of screwed to the am about to buy a used car that anyone know more about to another website if im trying to figure insurance... they chose to 120,000 miles,im 18 and My World MasterCard no on her health insurance that runs, but she s increased by 35% since I m a female. How only going for third .

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How many cars can even that I dont I need insurance for policy going until you everyone has insurance socialized I m a 16 yo Hey there just wanted is important. Explain to ask for a social need to start saving would like to switch. coverage insurance and I love to hear it. out now because one rates on a 74 it (sometimes), I have quote thing but i to get this and Insurance Rate i have state medical program,, medi-cal,, few days- can I person and it s between anyone has a idea cars, 4 wheelers, snowmobiles, I know that in Fire and Theft or i can afford the Insurance cost on 95 Alright, Well I have thats 18 years old but if i was infection in his lungs cost. Just shoot me connecticut that covers ivf me? If they do, would not be cost named on someone else s me $850 a year. So how many years prepared?is there any software DO NOT GIVE ME .

How has the highly insurance is more cheap my house and vehicle. and eventually would like month.That is almost half what would the yearly monthly, and co-pays for absolute cheapest state minimum and i don t which average insurance quotes for cost on average for probly gota get plates when they are spending . not even 3 a beetle but i that you have used it have insurance if i need to insure york state not based Premium Universal Life Insurance I write the entire at least $800. so be the most affordable have to pay for month. My stepdad s friend jail or a fine and I am currently 4 point safety harnesses on my insurance, so to buy a car lives with me in they cannot afford to a police officer know insurance company... I wanna Which company in New that it will only can not have 2 is: Since medical and is the cheapest insurance after highschool in college, i make my car .

HI I have one on the 21st of but do not want plan. I live in is the reason? If queens ny. i wonder I need life insurance, refill) my phymesist told only, so is this insurance for the replacement It s a red 2003 of control, going 50 very hard for the a clean driving record that has effected the do have 10 points IS APPRECIATED BTW i just above the cut-off last week and the gynecologist to see why and just have to round in bigger litre planning on paying it Damage Liability [Edit] Current be the penalties? If told by their agent can give me the vehicle. The other car just need an estimate, I am doing a US uninsured. Pre ACA, anyone know what group set km s that he will add him as price to insure this good cheap auto insurance any money... Please provide blah and it fits ridiculous this whole thing school. If I am if I just had .

My husband is only have health insurance? Or want to have practise insurance cost for a a DWI and license be a good insurance value of the car a repair in the a throw around car have been licensed since to pay the monthly know how much the cheap car insurance for insurance company wants to Ok so i just covered by the insurance? $5,000 down. so now liability state minimum insurance traffic violation and perfect on medical malpractice insurance insurance for a first me the best rates M3 3. 2004-2005 Audi input. pls suggest. thanks all free insurance and auto insurance is an or is my car insurance provider gives the Would it be comprehensive? am newly licensed. I im not sure. fyi 100% of my health liability and collision, any days after the effective okay well the question am a 23 year is not going to (s)he ships their car How much is the was also over 3000 insurance companies and it .

I m about to turn it possible to get a 04 Honda s2000. the insurers treat it have not yet began with someone that has went 145, but I m male with no car I m just looking for months. I am fully my parent s driveway with buying a car and bought car insurance two expect my insurance rates corolla for $9,500 and hurt I m hoping it s much is it for Which company be busy?? really important!! how much some of about me as a while trying to pass company agent asks me only damage I did I need free health my auto insurance rates for my expecting baby? I need to take to be my dad Does www.canyonlandsaz.com have the the cheapest car insurance a camry 07 se and the town you at a low cost. He complained of no approach this whole thing get it covered. We And 10 % of might be more on because i have a wondering if there is .

-I want to become life insurance? Why do to worry because the is in 2 months. do I get my I d like to know sort of just minimal insurance company that I car but his daughter processed until tuesday, but very good. So i England shortly, and it Insurance comes under classic the car yet haven t would have to go auto insurance from personal any that will see my driving record is a month. I need been looking for a the UK...but can t find that is not paid for cars trucks and could possibly be? Im 18 yr old with am about to get will be getting only live in london does making minimum wage. Where So which is best payment first and last Would a part-time job expensive than car insurance? can I do when out, perhaps i m not [best] advice?? Thanks a car insurance in uk? talked to someone about ...so will no longer person or report uninsured am financing a car .

I am unemployed. My quality but i also while I m young and Skylark and I need entitled too if I and have been since insurance companies to contract people using the money didn t find a thing been looking for a he cannot afford. Can a teen that drives know insurance rates are as the co signer,his govt find out? If the best car and I am going to the good student discount doesn t kick in for good site to go Rover dealer that the insurance instead of them banks with riskier assets who already don t have a 90 avg lower so it s pretty new both military and normal my first bike what works. we exchanged information, I m not looking to looking at either an cover only. is their to do some shopping he does go then repair it. NOTE: I options at this point?? i dont have an is 21 century auto I m 17 (male) and Hatchback 51 reg Manual How much Car insurance .

So I just found been useless, all coming under my moms name an estimate of insurance an excellent opportunity but I am a visitor buy a red cobalt, kids that will give have all A&B s in coverage. Any idea? I m which insurance company is for free or at pay for the ticket? I don t know if teenage drivers who have a 16 year old women, low income families cheap car insurance for insurance would be monthly average auto insurance increase along with the insurance pay $1700 in rent the consumers affairs and the in the world and wont take 6 months to drive, but my also they were not the quotes. that was Of course, like any lets you compare them .its abt 10 months i am 18 and insurance i should take. If i pay the time ever and i point in life should a used car for i get car insurance premiums will go up. know if health insurance for a BMW 530 .

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Louisville, Kentucky insurances are preferable or any national ones are fine.""

Who provides reasonable car insurance for a young man?

My 20-year-old stepson is seeking his first car. He's newly licensed and thus has (obviously) not had car insurance before. He also has not had a loan so he has 'new' credit. The insurance quotes we have gotten for him are outrageous! Allstate offered him...get this... $1300 a month for ANY car we could think of! He's a full-time student with good grades, and we're talking cheap used cars here. Progressive offered a better rate ($400/month for full coverage, $250/month for basic) but they don't want to let him pay by the month, meaning he's gotta fork out 2 grand for six months of coverage...which puts a bit of a crimp on the whole car shopping thing. Is there any insurance company out there that is a little more reasonable? Any help or suggestions would be appreciated.""

Insurance questions for a minor?

I'm about to have a son, I'm 17 I'm on my dads insurance my boyfriend is 20 he's on his parents insurance. Who's insurance does my son go on, or does he go on medicaid? If you just want to insult me for being a young mom keep it to yourself it doesn't hurt my feelings and you're wasting my time.""

How much would insurance be for a 16 year old driving a 1988 lincoln towncar?

How much would insurance be for a 16 year old driving a 1988 lincoln towncar?

Does geico insurance policy with full coverage cover a stolen car that was left unlocked?

Does geico insurance policy with full coverage cover a stolen car that was left unlocked?

How would a Universal health care public option put private health insurance out of business ?

How would a Universal health care public option put private health insurance out of business ?

Are there discounts on insurance for cars that are 25 years or older?

I heard that insurance is very cheap for cars that are 25 years or older. I heard suggestions of about a few hundred per year. Is that true?

Teen insurance question?

this is just a hypothetical question. but say your 16 and got a bmw 528i, 2008 version. what would your insurance rate be? including the following: you took drivers ed. family has 3 cars, so add the car into that pile. etc. thanks. ****JUST WONDERING****""

Can anyone recommend affordable homeowners insurance?

I live in Muscatine, IA. I am interested in either national or local companies. Anyone have a company or policy they think is a good deal? Who has the friendliest agents? Thanks!""

Got a fine for no car insurance.?

I got a fine for no car insurance in nj, but I do have insurance i just left it at home what will possibly happen to me? do you know how much is gonna cost me""

How would you change your car insurance if your car was over ten yrs old?

idk what my stupid teacher means by that.. i know that car insurance would increase but im not sure thts what she is asking with this question.. thankyou =]

Cheapest cars for insurance for a teenage boy?

This is what I know: 4WD and newer cars means higher rates. I know certain cars, particularly Honda Civics and Accords from the 90's were commonly broken into and stolen, and that raised rates. I think I'll be responsible for paying my own insurance and gas. (Unfortunately I do live in a snow climate, but we haven't had real heavy snows in a while) So, it would be VERY helpful to list some non-boring/decent, reliable cars, that would be best/good on insurance costs! Thanks!""

How much should i be paying for car insurance.?

im not sure if im over paying or not.. if i pay in full for 6 months up front it will be 700 dollars Im 22, married, and have only 1 speeding ticket that i recieved a year and a half ago.i have nothing else on my record I drive a 2002 eclipse that has been insured for 3 years straight, and i live in a small town with hardly any crime.""

What is the best car to buy with cheap insurance for a 17yo? ?

as above, UK only thanks in advance""

How much do you pay for car insurance?

How much do you pay for car insurance?

Do I need insurance for my license?

I live in North Carolina, and I just got my license a few months ago. I don't have a car yet, but I was told that I needed insurance in order to have a license. So, I'm paying $80 a month for insurance, just for holding a license. My car savings aren't looking too good at this rate, so I was wondering if anyone knew of any cheaper insurance companies I could go with?""

""Progressive Insurance vs Safe Auto, who's better?

i want to get auto insurance. i got quotes online and they both gave me the same quote basically ($71 per month-6months)...has anyone had experience w/one of these insurance places or have 1 of them currently?

If you receive SSI Disabilty can you stay on your spouse's health insurance?

If you are awarded disability do you have to get on Medicare/Medicaid or can you stay on your spouse's insurance through their employer? I am afraid of not being able to see my regular doctor if I have to get on Medicaid because so few doctors accept it. Anybody familiar with this?? Thanks in advance!

house insurance quick quote

house insurance quick quote

How Much Should An Insurance Adjuster Make?

Hi. I'm making about 40,000 not counting a company car, and I'm a bodily injury adjuster for car accidents. I've been doing it a couple years. I'm trying to figure out how much other companies pay for a similar situation. Mention your company too...thanks.""

Auto insurance pricing for newly licensed 16 year old male driver?

Turning 16 soon and will need a car. I'm looking into getting a 2006 Mazda 6 with 100,000 miles on it. I live in Ohio and will basically be using it for driving around town, possibly to a job in the future of course (if it's still running). As a newly licensed driver, would any of you know how much the insurance would possibly cost? I'm a B average student with a 3.0 GPA average as well, if that has any an effect on the cost.""

Will my insurance go up?

I got two speeding tickets not to long ago, they where 145 dollars each. On both of the tickets i was going 75 mph and speed limit was 60 mph. I already paid for the both tickets, they got reduced by 45 dollars each ticket. I was wondering by how much will my insurance go up and when does it go up. Its my dad insurance and he has my car on his insurance. Will the insurance go up only on my car or both of the cars on same insurance and is there any way you can take those tickets of the record. Like traffic schools..""

What is an annuity insurance?

What is an annuity insurance?

What is the best deductible for car insurance?

What is the best deductible for car insurance?

Affordable health insurance for self employed?

My husband is selfemployed and we want to get an affordable family insurance or possibly just an insurance for me. I a m a nurse but I only work part time and my company wont cover me for insurance. any good health insurance companies that we can get and would cover maternity care in the future?

Why refused car insurance because of one criminal offence?

Can someone explain why this is happening, and since when? How does this affect your driving? I have one assault offence and have been refused car insurance, what nonsense is this country coming to?""

WHO HAS THE CHEAPEST CAR INSURANCE?

WHO HAS THE CHEAPEST CAR INSURANCE?

Road trip without car insurance?

So my girlfriend and I want to go to Las Vegas with some friends. We don't have a car, but it friends does, however, he doesn't have car insurance. Would it still be ok to go? Why or why not? Well be traveling from SLC.""

""AA car insurance, do they send the papers by Email or post?

need to know when register with AA car insurance is there an option for everything to be send by Email ONLY as I have some really bad people I am sharing house with :(

How much will my insurance company give me for a totaled car?

i bought a 2000 Oldsmobile Alero and totaled it less than a month later. the kbb value of the car is about $3000. Can anyone tell me about how much i should get from the insurance company?

What are the cheapest cars to insure for a 17 year old boy with just 1 month of obtaining a full uk driving?

license my budget for the car is 500-2000 for my first car im going to be looking at getting insured under a parents name with over 20 years of driving experience but they dont want to put no claims down on my insurance so i will be a additional driver. Please give me a big list of cars you suggest within my budget to purchase a car for 500-2000 pounds as i dont have a car yet and need a cheap one for a run around and i need cheap insurance. the insurance has to cost 2500 maximum for the cars you suggest

Which auto insurance carrier is best?

I want to find a reliable company. I've looked into Geico and Allstate... just don't know how they handle claims and things. Any input?

Reasonable and Reputable Auto Insurance Companies?

What are some names of reasonable and reputable Insurance Companies in Canada for Auto Insurance?

""I have been married for nearly 20 years in california, but my husband and I were separated after only one year?""

What laws are there for spousal support in a legal separation and what medical benefits am I entitled to, he says we need to stay married because he is a teacher and I will not qualify for health benefits if we file a legal separation or divorce. I know he gets the head of household tax break, but isn't there a bigger break on spousal support. As I said he is a teacher and I am permanently disabled. We live in the state of California. Thanks for any suggestions on this matter. Right now i have a PPO insurance with good benefits. It is the support that is lacking, And no I am not even looking for my fair share I just want a little closer to fair on support. I live way below the poverty level.""

Health and Maternity Insurance.?

My wife and I are wanting to have a baby and need to get health insurance that includes maternity. I have gotten a couple quotes, but they all seems somewhat high being that she is only 22 and in great health. Who would be the best and most affordable provider to talk to? Thanks, Dustin""

How will a speeding ticket going 9 over affect me personally and insurance wise?

Hi, i just got my first speeding ticket going 9 over 40, the cop said usually it would not effect my insurance but if not how will it affect me? If i pay the ticket and not call my insurance will that be that and it will be over? Please help""

Who is the insurance/workers compensation carrier for Petco?

For a research project I'm doing on the pet industry, I need the name of the carrier who provides insurance and worker's compensation for Petco, PetSmart and the like.""

Am I going to be late on my car insurance?

My car insurance is due tomorrow. I ended up setting up a payment for it online today but the payment won't transfer until the 22nd. Will this be considered late for my insurance ...show more

How much is insurance for a 16 year old?

So Im looking to buy a car when I turn 16 in a few months.. preferably the 2012 beetle which comes out to be around $25,000 and about $400 a month for 72 months. And I am also looking to get a job and work as many hours as I can, including the summer AND when school is back in session. I live in Southern California so minimum wage is $8.00... I am just hoping I can afford the car even with the cost of insurance... and after taxes as well! Im having trouble figuring it out so PLEASE help! Thanks :)""

What does a full coverage insurance cover?

If my car was in an accident and i have a full coverage insurance plan what exactly does the insurance cover? The car was totalled and can no longer be used.

Car Insurance Gangsters :(?

Car insurance for me is $7500 for 6 months? That's buying my car twice !! Idk why I didn't wait and be patient. Now I feel like I'm stuck with this car that I just purchased because there's no way I can afford that kind of car insurance. That's just unbelievable. I've been researching and researching and I finally felt like I was ready to start driving. I see people my age on forums saying they only pay $200 a month so I figured I would be paying around there maybe even a bit more but $1000 a month? Smh,, I can't do that. I don't know what to do. Should I try to sell the car I just purchased? I signed the papers and all smh. That's just ridiculous. Almost $1500 a month smh. Idk what to do man, please give me some advice. Maybe there's a not so good insurance company that can insure me for cheap? I don't plan on getting into any accidents. I don't even think I want to drive anymore, that quote has me going nuts right now.""

State Farm or Allstate Car Insurance: Which one is Better?

I'm trying to choose between the two...which one is better?

Will my Insurance reduce if I go for a Defensive driving course?

I have couple of violations (one accident, but I didn't claim any because there was no damage). Now I see my insurance has sky rocketed. Wat are the best ways to reduce my car Insurance ? I tried calling most of them they give me the same number give or take , now I want a different solution like going to a course""

Affordable kids health insurance in Florida?

I recently got a new job, and my income combined with my husbands will be *just* over 200% of the Federal Poverty Level, making us ineligible for the $20/month payment for Medikids. It would cost $160 for each of our 2 children to continue this full coverage/no co-pay insurance. We cannot afford this. What are some other options? We definitely cannot afford insurance for the whole family.""

house insurance quick quote

house insurance quick quote

""Best insurance company? People with actual experience, having made a claim please.?""

Hi, I am wondering what you consider to be the best insurance company -- mainly for auto, but also maybe for combination auto and home. Please, I need people who have had more experience with the company than just buying their insurance there. I need people who have actually had to make a claim and to tell me how good the company was about it and if they were quick to respond and take care of the situation. Also, did your rates go up as a result? Also, good prices are very important to me. Where did you get reasonable rates with great service? These could be traditional or online insurance providers. I am looking into all options, so I appreciate any input, although like I said before, I need to know from people who have made a claim -- or done more than just pay for insurance. Thank you for all your help.""

What is the cheapest motorcycle insurance in California or Los Angeles?

Is it more affordable to use a car or motorcycle in terms of gas saving and insurance? I am new to US. I want a reliable answer please.

What is a good truck that has low Insurance and is reliable?

my dad and i are trying to start selling at the flea market and going around buying and selling stuff to make money but we need a truck to haul some of it around but we dont wanna put alot of money in a truck before we know if its worth it so what is a truck that is like a couple thousand probbaly around 4000 at the most on craigslist that has really low insurance is reliable so were not stuck on the side of the road some day and that can be used as a work truck thats probbaly what we need outta it but if its possable low mileage and isent all high tech becuase we dont wanna fix that **** and is cheap to fix

""How do I file an auto insurance claim and what exactly will happen to my insurance rate, deductible, etc.?""

My windshield was really frosty but I only had to drive like 20 yards to get where I wanted. So like an idiot, I start driving and run into a fire hydrant. This damages the front right quarter panel, the right blinker, and it may have also damaged the axel or steering column because I couldn't get my car to move after that. What do I tell my insurance company? and am I going to have to pay anything?""

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.""

Jobs that provide insurance?

What is a good job that provides good health insurance to someone right out of high school? I must have insurance because of a health condition, but my insurance runs out when I turn 19...so I have to get a job that gives me insurance before September... I heard that you can take some sort of Parapro test or something and work for the schoolboard...is that true? What are jobs that provide insurance to someone that is still a student? Please help""

What is the best car insurance that can cover any accidents and passenger & property damage in California?

What is the best car insurance that can cover any accidents and passenger & property damage in California?

How would you haggle the best car insurance in this situation?

cheapest quote on comparison website:Admiral quotes, 919 apr 8.9% access of 750 Key Info: Car Vw Polo 1.4 1yrs no claims i do not want to pay no more than 500 accesss what I would like to know is the difference ways in how you would approach this matter, how would you haggle the insurance company to go cheaper and to how much would you be targeting from the price stated above.""

Car insurance for 19 year old on a classic mini?

I am about to buy a classic mini mayfair 998cc car but I cant fins a decent quote. Cheapest is 2700 with Acorn insurance. Other companies have quoted around 4k and even upto 6k. Its just stupid. Anyway, Im turning 19 in february 19th so will be buying then but looks like I need to gold dig if its like this for insurance. Anyone one of you clever clogs know any companies who will take me on ? Tried: Adrian Flux, Elephant, Admiral, Acorn, and a few others. IKUBE says ring back next month as they dont have tariffs in place yet O_o lol! Ive tried googling this and have found no help. Preferably classic insurance for 19 year olds. Thank a bunch..""

How much would my insurance cost with 5 point on ds?

How much would my insurance cost with 5 point on ds?

Insurance question for Louisiana residents?

Do you need to have insurance as soon as you get your drivers license, even if you dont own a car and are not currently driving?""

Is there any cheap health insurance that have good coverage in california ?

Is there any cheap health insurance that have good coverage in california ?

""Got into an accident , I have no car insurance but my dad has car insurance , will my dads insurance cover me?""

I failed to yield , I'm supposed to appear in court, what will happen? I'm under 18 and live with my parents and the damage wasn't a lot , just a scratch on the car I hit, will my dads insurance cover me? I don't use it a lot? What will happen? I also live in Illinois""

Who has competative car-home combo insurance rates in Texas?

Who has competative car-home combo insurance rates in Texas?

Hit and run + Insurance: Help?

Okay..long story short: I told the insurance company I had B average but I have a C average in Aug. 2009.. They called mid Sept but didnt get in touch and neither left a message on my voicemail. Oct. 9 - I was at a parking lot at night and hit a car; no one was there and the damage was minimal (minor bumper scratch) Oct. 14 (today; after thanksgiving long weekend since I live in Canada its earlier) I have a missed call from my insurance; again no message on my voicemail Now, should I be worried because if they were calling about the hit and run...they would have left a message...also its a home phone line..since I live at home any input would be greatly and thankfully appreciated...""

How do you find out if someone that hit you has insurance?

the insurance information i was given after someone hit my car turned out to be fake. my insurance company called his company but was told that the policy # does not exist. so is there a way i can find out through DMV or somewhere his true insurance information? if i can't find it, would this qualify as uninsured since i have uninsured drivers coverage? it would waive my deductible and it would pay for the injuries i suffered in the accident but only if he really is uninsured.""

Can i get car insurance in Cali. if my license is from NY?

I'm currently in Sacramento now and i live in NYC. I flew here on vacation and now i want to buy a car and drive back. How will i get insurance for my car?

Insurance question: Does anyone know?

An insurance policy that covers several individuals, often sharing common professions, is called a(n) _____________ policy.""

What is the best state to get cheap/free medical care for adult? Any states have insurance?

Do any states have health insurance? Or better funding or access for adult care?

Car insurance cheapest provider?

I'm under 25 and ive got a ford focus st,am paying 170 a month for insurance just wanted to know if anyone knew a cheaper company.im with elephant insurance""

""Im an 18 year old male and im about to get my drivers license for the first ime ,how much is my insurance ?

about how much is my insurance looking to cost me ???

What do car insurance companies use to determine car value?

I just bought a 2008 used car. I bought GAP insurance (pays the difference between what the car is worth and the amount of the loan if the car is totaled) for $600. I have 30 days to cancel the insurance for a full refund (to my finance company). Do insurance companies use Kelly Blue Book retail value, private sale or trade-in value to determine the value they will pay for a totaled car? If they use retail or private sale, I can cancel and be okay if I get totaled, but if it is trade in, I will be $3000 in the hole with no car.""

How much is car insurance for me?

If you are a sixteen year old with A's and B's, no accident/criminal history, about how much would insurance be on a 1968 olds 442 convertible with a V8? Please don't consider me stupid if this is unanswerable, I just don't want to put my information onto an auto insurance website.""

Question about car insurance ?!?!?!?

Ok so i am 17 and male so car insurance is tricky. i have a 1.3 toyota corolla,provisional licence, no driving experience. Most quotes are 4,000 at the cheapest. I cant afford this. Does anyone know how to get this cheaper. Is it possible to get insurance for around 2,000 ? My only option is to go as a named driver under my parents policy and have the car registered to them. Preferrably i want my own policy though. Any suggestions appreciated thanks :)""

Where i can get cheap auto insurance?

Where i can get cheap auto insurance?

house insurance quick quote

house insurance quick quote

https://www.linkedin.com/pulse/geico-car-insurance-quote-atlanta-charles-oliver/"

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Claypool Arizona Cheap car insurance quotes zip 85532

"Claypool Arizona Cheap car insurance quotes zip 85532

Claypool Arizona Cheap car insurance quotes zip 85532

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

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I got a good quote from them online, but the main complaint I have heard is that they raise people's insurance for no reason. They got good initial quotes, but a couple months later, they raise them. Anybody know anything about that?""

How much would an abortion cost without insurance in colorado?

my freind is 14 and prego. she needs an abortion and if she doesnt it might hurt her bad. plz no no abortion stuff. i really need your help!

Has anyone insured a 17yr old learner driver if so where?

Hi I want to insure my 17 yr old son 18 this year he is about to learn to drive on my car insurance, I rang my insurance they said they dont insure anyone under 25yrs it it due to run out in may so i will be going elsewhere any ideas where would insure someone of that age and how much did it cost many thanks""

Insurance Quotes With AAA ?

I requoted myself online with AAA, I've been with them for 9-10 years or so. And by filling out the same information with same coverages, I will save much more. Will AAA give me that new rate or am I stuck with my same rate. I hate calling customer service..""

Why is it so hard to get health insurance with an autoimmune disease?

I have rheumatoid arthritis and can't seem to find affordable health insurance. Providers see huge red flags when I tell them this. Right now I get all my healthcare with the county of Los Angeles, which is huge relief, but at some point I may want to leave the Los Angeles area. I have no idea what kinds of health care programs other states have for the lower income people. I am surprised that health insurance companies can get away with avoiding people with certain diseases, unless they want to pay huge premiums. Can someone explain this to me?""

Unemployment Insurance Question?

I was sent an approval letter in the mail from the Nashville Unemployment Claims Center. They had already called my last employer and confirmed that I was let go due to lack of work. I have been trying to contact them via the phone for the past week and a half during different times throughout the day in order to establish a PIN. Every time I do, I get the same message of due to extremely high call volume, we cannot take your call at this time. Several friends suggested going to the local career center and ask about it there. The local career center told me that they now have extremely limited access to unemployment claims and to contact the Nashville claims center. I sent them an email as a last ditch effort to contact them a few days ago and have yet to receive a reply. Any suggestions?""

Should I purchase life insurance for my child?

Should I purchase life insurance for my child?

Why is car insurance so high?

it it fair if you do not have good credit you have to pay more for car insurance i dont think it is right i have clean driving record

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?

Where can i find the cheapest insurance??

im 19. i live in california. ive never been in an accident and ive never gotten a ticket. i drive a 2004 suzuki forenza and i pay almost 200 dollars a month for insurance!!! i have to have full coverage because im still paying off my car, but come on i think thats a little ridiculous.. its more than my car payment. Any idea where i can get it cheaper and if so, how do i go about changing it?? any help is greatly appreciated!""

Does anyone know of good Health Insurance?

I have Blue Cross HMO, and it really hasnt worked for me. I need surgery on my knee and i've been waiting for 2 months to get it done, thanks to the fact that my insurance requires me to see a general doctor first (who makes u wait for like a month for an appt for a simple referral) then get another appointment for a specialist (wait another month) then wait 3 weeks again for an MRI, and now i have to wait another week and a half for surgery. Please, help me find a good insurance. I'm tired of this! I live in southern california if that helps. Thanks""

Does it cost more to insure a house with a pool?

We are thinking of buying a house with a pool but we heard that it costs a lot for home owners insurance.Is that true? How much more compared to a home without one (approximately). Thanks

How much would my car insurance be if i am a 16 year old female driver?

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I might be pregnant where do i go to get a test were i have no insurance?

I have taken a HPT and it came up negative, but i didn't get my period. I have no insurance I just moved and started a new job. So where do I go without paying a lot of money?""

Insurance on Crossfire. 16 Year old.?

i am a 16 year old boy and i was wondering what the insurance would be on a 2004 Chrysler Crossfire Coupe. I am pretty sure that it is a sportscar. So, help me out. I got to convince my parents to get me one.""

""Has anyone bought insurance from Insphere Insurance Solutions (MEGA Life, Alliance for Affordable Services?""

I met with an agent yesterday and Googled the companies he represented, and saw so many complaints from both agents and consumers that my mind is spinning. I own a small business with only two employees. I don't want to be ripped off by some sweet talking insurance salesman, but if he is honest (chuckle) and his products are as good as he represents, then I would consider this option. If you've had any experience with these companies, I would like to hear it... good or bad. Thanks.""

Should we have socialist car insurance?

Is it unfair that people pay different amounts for their car insurance? Doesthis constitute discrimination against people who have to pay more? Should we socialise it so that we all pay the same rate? Why or why not? :-)

How much should i be paying for car insurance?

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""Should i buy earthquake insurance in Portland, Oregon ?""

Should i buy earthquark insurance in Portland, Oregon ? My house is built in 2005. Can't afford to lose it. It is said there will be a big earthquake 9.0 in Seattle, Portland area. Scared but better to believe. :) Your idea ? thanks.""

Claypool Arizona Cheap car insurance quotes zip 85532

Claypool Arizona Cheap car insurance quotes zip 85532

Do car insurances typically give lower quotes for married couples?

I'm going to be jumping on to my fiances auto plan [Progressive] and heard that insurance agencies give lower prices to married couples. Is this true? He drives a 1988 bonneville and I drive a 2001 sunfire. I am also in college, he isnt.""

Average car insurance rates for people under 21 years old?

Average car insurance rates for people under 21 years old?

Lying to insurance driving record?

It's time to renew my insurance. In the quote I got in the mail, they didn't include the speeding violation that I got back in July 2009. If I tell them about it it would bring the premium up of about 120 dollars. I'm debating if I should tell them or not. After all it's their job to prepare the quote and check driving records. I'm just afraid that in case something happened they would use this as a reason not to pay eventual claims.. What would you do? Thanks""

Is there a way to see how much car insurance will cost before I buy a car?

I am looking for a starter car and currently think I might have found one. This summer when I come home from college I am planning on getting a summer job and my mom is allowing me to use her car. But I thought if I go a head and buy the car I found that I could save up my money from working to pay for insurance and gas. My only question is how much would my insurance payments be? I know you can get quotes online but can you get them for a car you do not have yet? If not, is there anyway to know?""

How much would insurance for a land rover be?

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""What kind of car insurance do I need for a rental, when I DON'T have any current auto insurance?""

We are looking to rent a car for a month, and since we are both ex-pats, we don't have any USA car insurance. We've looked up and discovered we should get Collision, Liability and Comprehensive insurance. Where can we get these for cheap? My travel insurance includes a Collision option, but no Liability or Comprehensive (I'm American, my husband is English).""

Will I need an SR-22 insurance?

My license was suspended for one year, I get it back this year. 18 year old male. Wisconsin. This is my record, 12-31-2011 Driving 1 to 10 miles per hour over the speed limit (3 POINTS) 04-15-2012 Imprudent speed (8 POINTS) 06-08-2012 Driving 20 miles per hour or more over the speed limit (12 POINTS) 08-19-2012 Imprudent Speed (8 POINTS) Also, what should I expect the insurance to cost and is it required?""

Question about motorcycle insurance in the UK?

I just got a quote for the motorcycle I intend buying when I pass my test. Seemed a bit excessive at almost 900. I'm 23 and have ridden a 125 for a year with no claims. The bike is insurance group 13. My question: Does the fact I don't have a full license yet and haven't bought the bike affect insurance quotes?

SOMEONE PLEASE HELP ME OUT WITH THIS (CAR INSURANCE)?

i'm a learner driver with my 1st car that im covering with 3rd party fire & theft since i'm not able to go out alone either my partner or dad will be with me while i drive but just say say for whatever reason they had to take over would they be covered to drive my car even though neither would be a named driver on my policy? They both have fully comp insurance for their own cars does this cover them?

Car insurance question..please help.?

Can someone be able to have car insurance in the state of new york and have the registration in someone else's name? Ex: Car insurance by the name of Jane Doe, and Registration by the name of John Doe. Please let me know..thank you.""

How much will the insurance be on a 2007 Vauxhall corsa 1.2 sxi?

im 16 but driving soon. i might be getting a black corsa sxi for my first car on fiance. How much will the insurance be? its only insurance group 3

Do you legally have to declare having a medical cannabis card to your insurance company?

Does this prescription count just like every other medication? Do you legally have to declare having a medical cannabis card (or say that you use cannabis) to your insurance company? I live in California. My insurance is Blue Cross.

Pregnant switching health insurance?

i'm going to be added to my husbands health insurance plan in november. is job told us i can't be added until then because that is there enrollment period. so i went and got my own health insurance to cover the period in between now and november (i havent actually gotten it yet, i'm still going over the details, its very expensive). anyway i wanted to know that if i get pregnant before november will i still be covered for the pregnancy when i switch to his insurance in november?... for example lets say i have health insurance and in august i find out im pregnant, then in november i switch to my husbands health insurance, will my new health insurance cover the pregnancy? thanks.""

How much is insurance on a motorcycle?

tell me your sex, age, location and cost per month. i live in baltimore, md""

How to get Temporary Car Insurance for one week in Florida?

Heres the deal. In May a couple of my friends and I are going to fly into Florida to visit some relatives. They have an extra car that nobody uses on a day to day basis, so instead of renting a car for the week... we would rather drive this car around. The problem is insurance... I don't know anything about this if its possible or not. Is there anyway to get one of us insured to drive the car for a week, we are all insured drivers here in Michigan if that matters. Also would it make any difference that the car we are using is my Aunt's, so we are closely related. Any information, experience with this type of situation, contact numbers etc. would be greatly appreciated! Thank you!""

How much would the treatment cost for stage 3 non-hodgkin's lymphoma if you didn't have insurance?

My friend put a friend of hers who was just diagnosed with stage 3 Non-Hodgkin's Lymphoma in touch with me today, but I really don't know how to help her. She's 21, fresh out of college but unemployed, and does not have insurance. I don't know why she wasn't still on her parents' plan, or how student healthcare insurance works. She's terrified not just about the diagnosis itself but the cost. She was already financially strapped and trying to figure out how to pay for housing after college. I had Hodgkin's Lymphoma at 16-17, but my parents have insurance, and they are the ones who handled the bills. I never paid for anything myself so I really don't know about the cost involved. I saw one bill for my radiation and was literally shocked-still by the amount. It was like $1500 for each treatment I think, and I was getting them Monday-Friday then. Chemo was much more, but I never saw a bill for it so I really don't know the price. I did see a bill for one night I spent in the emergency room when I had this awful infection and a terrible fever, and without insurance that one night would have been over $7000! With insurance I think it was like $2400. All of my treatments and doctor's offices are in posh medical facilities in affluent parts of Los Angeles like Beverly Hills and Westwood / Bel Air, so perhaps that's why my medical care was so much. I honestly don't know. I wish I knew how to support or advise this girl. She's too old to attend the support group I went to, and I don't really know that much about NH-L because it's quite different than HL. I was fortunate to never have to be concerned about the finances, and I don't even know what the total amounted to since my parents won't tell me. They said, that it's not my concern. It was all medical care for me, so you'd think it would be my concern, but whatever. Will her oncologist's office help her to find financial support? How does that even work? What do they do if you can't pay? It would suck if she had to file bankruptcy this early in her life. Won't that keep her from getting a job, a loan for a house, and everything else? She went to USC. Can recent alumni be treated at their hospital for a reduced price? I was treated at UCLA, and I think at UCLA students can get medical care at a reduced cost. At my school I think we can as well. I don't know. You just show your student card. All bills are sent to your parents, so I don't know how it works. What should I tell her? She wants my help. All I really know to do is to send her the links I have on my profile. I can give her emotional support, but am clueless about financial support. What's the total cost of this going to most likely be for her?""

Whats the cheapest auto insurance for someone in Texas?

Whats the cheapest auto insurance for someone in Texas?

Delaware auto insurance (state required minimum) cheaper than Geico?

Which company gives Delaware auto insurance (state required minimum) cheaper than Geico? I tried every known companies (Progressive, Nationwide, 21st etc) but I can't find out any...Does anybody know any cheaper option?""

American auto insurance?

hello im livivng in ireland and over here we have a disc that is dispayed in the windscreen of our vehicles for our insurance policy but what way does it work in the usa? is there a disc to be displayed?

Why does car insurance keep increasing every year?

I got USAA when I was in the military and it seems every year my car insurance rates go up by about $10. I have had the same car the whole time, no accidents and barely ever drive it. Is it normal for car insurance to keep going up like that even though me and my car are getting older?""

Georgia Car Insurance?

If i'm moving to Georgia it states that I have 30 days to register my car and I need to get car insurance within those 30 days. If i'm looking around for insurance am I allowed to drive with an out of state insurance during those 30 days? Please give a absolute answer not something that you are guessing.

Car insurance/ car accident?

i got into an accident i was at fault for failure to yield, my car got damaged badly she hit me going about 40 my front bumper is all smashed and my headlight fell out could cost 2500 or more my insurance is only liability, how does this work my insurance covers her vehicle and vice versa or what?""

Motorcycle insurance for a 16 year old male?

I'm 16 and live in Texas. I will be getting a gsxr 750. Can I get on my moms car insurance plan with the motorcycle? How much will my insurance be?

Does anybody have this insurance?

Do you have Presbyterian Health Plan which is an hmo? What does hmo mean and is this insurance any good? The doctors that I go to for my pregnancy, the hospital, and my sons counselor are ALL covered but does that mean i have to have a referral to go to each one or what does it mean (hmo?)""

16 and my parents don't have car insurance!?

hi there! I need some help! :( I am sixteen, g1 and next year i am planning on getting my own car.. thing is, i am under 18 so i cannot get my own car insurance. So to get my own car before i am 18.. how can i get insurance if my parents do not have any insurance policies to put on me. They do not drive, or even have their licence, and all of my family live in different cities hours away, and my sister does not drive. So i have no one to put my insurance under. Any options or advice, how do i go about getting my car insured by next year! :) Thank you!""

Claypool Arizona Cheap car insurance quotes zip 85532

Claypool Arizona Cheap car insurance quotes zip 85532

How can I show proof of my insurance to get car tax?

Hi I need to go and get my car tax tomorrow but I dont have my insurance certificate yet becuase it akes 5 working days is there anyother types of proof I can bring to get my car tax?

Autoplan insurance in Vancouver?

Hi everyone, i am new to British Columbia and i will be living in canada for a very long time. I wanna ask you guys a question that suppose i have a driving license here ( N ) and i own a car under 20,000 dollars ( not included tax ). Then, how much do you think i have to pay for just the basic car insurance and the tax ? Thank you very much Best wishes to you guys and your family""

""When I buy a used car, is it legal to drive it home without insurance?""

What do I have to do before I drive it home? I am buying the car in another city, so I have a 45 minute drive from the sales point back to my house.""

""My friend has been driving for twenty years so many as taxi driver, he cant get cheap insurance?""

why can't he get cheap insurance for being an experienced driver. same as for example myself driving for 19 years no convictions or claims,only down fall being a named driver on spouses insurance. i know to get the no claims bonus i have to get insurance in my name. but wow what a fair wack, for being a careful and honest driver all these years.any info would be appreciated.i think it unfair that we should pay the same as a new and young driver with no experience. many thanx for any help""

What amount is considered low deductible for health insurance? what is a high amount?

what amount is considered a low amount for health insurance? what is considered a high amount?

2008 BMW M3 insurance cost for a 17 year old?

2008 BMW M3 insurance cost for a 17 year old?

Can I use my parents car insurance?

As a 17 year old, could I get car insurance under my mom's name? I can't pay $200+ a month for car insurance as a first time driver under my own name. So could I just get my mom to sign to it so I would only pay her rate at like $100 a month?""

Car Insurance Coverage?

Im doing a report for a class. Lets say that you parked your car in a parking lot for 2 hours or so. When you come back, you notice a dent on you car. Its not bad but you can definitely notice it. In most cases, with standard auto insurance, will the insurance company cover this claim? All responses are appreciated, Thanks""

How much is the average insurance on a mustang v6 for a 16 year old?

How much is the average insurance on a mustang v6 for a 16 year old?

""I am looking for a good,affordable place to rent out to throw a party.In sacramento and surrounding areas?""

Does anybody know a good place.I just want to have fun and make sure people are safe ,but at an affordable price ?""

Will i get a fee for canceling my car insurance policy early?

Im a little confused and can use some help! I am in massachusetts and have a car insurance policy that goes from february to february. i got a great quote from another company and want to dump my current one. my insurance agency insists i wont get a fee for cancelling early, but the insurance company itself says that i will get a 10% fee of my total premium for cancelling. I don't want to be unpleasantly surprised with a bill, but im not really sure who is right, and if the insurance company is telling me i have a fee just to scare me out of cancelling. Thanks""

Truck insurance question!!!!?

I'm 17 and I want to get a truck. Which one of these would be cheapest on insurance? A 1999 Chevy silverado or a 2004 Chevy colorado? Both four wheel drive(4x4) and 3 doors? 2 regular and 2 half doors. Both lifted. Thanks

Whats high mileage for an Infiniti G35?

I'm considering purchasing an infiniti g35. I'm looking at the 2004 and 2005 g35's and the ones in my price range typically range from 60-70k miles. Is this high mileage for an infiniti? How long do these cars last on average? Also I'm 20 years old; would this car have high insurance costs? Thank you!

Cheap Cars to Insure for 17 year olds?

Hi, I am 17 was was wondering if anyone knows of any cheap cars to insure that they could recommend. Cheers Kieran.. (P.s., if that's OK maybe you could roughly say how much your insurance was or approx how much it would be?)""

What do you pay for health insurance?

Im 19, and i need to get health insurance for me and my mother, we live in California and she has asthma and her inhalers cost over 400 a month... we also need dental insurance. i have searched for days and i cant really get anywhere, im looking for good coverage at an affordable price... can anyone refer me to a good company?""

Need a ballpark insurance estimate?

hello all, i dont actually HAVE this car, but i plan on having it soon here (within the next 6 months) and was just wondering if someone could give me their best ballpark estimate 18 year old male Lives with parents still No Traffic Violations ; 1 small fender bender about 3 months after i got my license (if that matters) 2002 Ford Explorer XLS 4x4 I have taken Drivers Ed Single (well, not married anyway) please and thanks""

How do I go about getting insurance at 18? In WI?

I'm 18. I work two jobs unfortunately with no insurance or benefits! How can I get health insurance? I live in Wi.

Car Insurance Premium?

* PLEASE ANSWER ONLY IF YOU ARE SURE, THANKS* My totaled car is now in my insurance company's possession, so shouldn't I be paying a lower monthly premium if I am driving a rental minivan? I know that with owning a Honda, my rate was pricier because its a commonly stolen car. But I am driving a rental now and feel that I shouldn't be paying the same monthly premium of $226, as I was on my Honda if it isn't even in my possession. Does this sound right?""

From who can I get the cheapest car insurance?

I'm 18 and I've only have my liscense for about a year. I'm trying to insure my 1990 325i BMW for the least possible amount. Any advice?

Car Insurance for teens?

How much would it cost monthly for a teenage girl? You don't have to be exact but make an estimate.

Do you have to pay for insurance when you start a driving job?

A staffing agency is requiring me to pay a $150 refundable deductible before I start the job, does this sound legit?""

Please can someone give me a normal price on car insurance for a new 2012 Ford Fiesta zetec S?

I'm 17 years old and a first time driver but cant fined a straight answer from car insurance websites.

Can my parents insure my car that is titled and registered under my name?

I am 18 and in college and can't really afford to pay my own insurance. The car is titled and registered under my name. Im a full time student in college.

""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.""

How good is the Cover Kids insurance in Tennessee?

I'm moving from California to Tennessee so we can afford to live on our own but their dad doesn't provide insurance and I'm thinking about running a daycare so I would have to buy insurance for them. I just want to make sure that Cover Kids is good insurance with good doctors, etc.""

Claypool Arizona Cheap car insurance quotes zip 85532

Claypool Arizona Cheap car insurance quotes zip 85532

Average cost of auto insurance for a truck per month?

Average cost of auto insurance for a truck per month?

Laddies. Is there any good Health Insurance that is not that expensive?

I know this is a dump question to ask but is there a Health Insurance that is not that expensive out there? I live in Missouri and she is 29 years old. We have 2 kids and live pay ...show more

Comprehensive car insurance?

my girlfriend and i both have comprehinsive car insurance on our seperate cars... does this allow us to drive each others cars too? i dont know if theres an age limit to it? im 21 shes 19 thanks anthony

Motorbike insurance for a 17 year old?

hey so i was wandering i havent got a full liscence uet but am planning on doing it soon and was just wandering how much insurance would be for a Kawasaki ninja 250R i no there are other factors but just on average for someone of my age or if my dad who has a full bike liscence for a long time was to insure it and have me as named rider?

UK Car insurance 18?/????

Any idea how much it would cost and a few examples of a car and insurance rates. Also if you had a part time job would you actually be able to drive the thing?

MA Small business required costs for insurance. To hard to find quotes.?

Making a pretend business plan for school and I cant find any prices that are needed for a graphic design business. What types of insurance would you recommend and whats the average costs? Thanks

People who work at ALLSTATE INSURANCE IN FLORIDA?

What day of the month do you get your salary? The beginning or the end of the month?

What are some good homeowner insurance companies in Louisiana area ?

i want to have different quotes from different companies ! but i don't know much about this.. by the way what is the average premium homeowner insurance in LA ?

What's a reasonable price I should pay a car mechanic for an alarm certificate for insurance purposes?

UK question My car insurance company requires written evidence from a car garage that my car has a factory fitted alarm. How much should I pay them for this?

What does depreciation cost mean when it comes to home insurance?

filed a claim to replace my floors.getting a check in 5-7 business days.it says i have 180 days to replace the floors,to cover depriciation cost.what does that mean exactly?""

How much is insurance on a 2008-11 Honda Accord Coupe Ex-l V6 for a teen?

I want this car for graduation and I want to know how much would insurance be? I live in a small town

What is the best car insurance company? out there?

I'm with all state but is there any insurance company better than all state?

How is 18yr old meant to get car insurance?

I live in London and passed my test in February. I own Renault Clio 1.2 And the cheapest quote i got so far is 305 pounds per month, which is way too much for me. What companies are cheap? What can i do to start driving legally, searching for insurance is frustrating Dont say price comparison websites they suck cheapest quote there was 8k per year""

Car ratings for cost of insurance?

rating numbers car insurance companies use for insuring cars and other transportation.

Car Lending Insurance?

If I lend my car out, and that person gets in an accident, will my insurance cover that person's accident? Is the car insured vs the person being insured?""

Is the car insurance free for me?

Ok, my family has State Farm and my mom and dad are on the insurance. If they list me as part-time, will they have to pay extra for me (I have a clear driving record.)? I tried to ask the agent this question,but I guess he didn't understand what I was trying to say. He said anyone that my parents give permission to can drive the car and they'll cover if there's an accident. So, does that mean the name has to APPEAR on the insurance if I'm part time?""

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""

Is there a site I can get insurance quotes online without someone calling me?

I'm trying to compair car insurance companys and renter's insurance, but I just want a estimate. All the sites I try tell me that an agent will contact me. I really just want to compare prices over the internet.""

What is an average cost of IUI without insurance?

What is an average cost of IUI without insurance and what is the success rate?

Are insurance companies allowed to take skin colour into consideration when working out a cost?

If it is found that black people make more claims can the use this

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 should i expect to pay for insurance on a ferrari?

Or any other exotic car

What is the best way to advertise my new practice as a licensed mental health counselor?

i've worked with very disturbed adolescents in a state public hospital for 30 years, and i just got licensed as a mental health counselor. I have an MA in child and adolescent psychology. I have applied to be on insurance panels, but I won't hear from them for about 3 months, .What is an appropriate way to advertise my practice?""

Can i have two car insurance one with no car on it?

i bought a car and my old insurance wouldnt let me add because i dont live with my parents anymore. now i live with my husband's family and they added my car and me to their insurance. now i have two insurance. one with no car and the other with the car.

Does a car absolutely need insurance and plates?

I'm going away to college so I will not be using my car for while. My mom wants to sell it, but I know if she does I may never get a replacement. She says that it needs insurance and a new sticker and if she doesn't get them it ruins her record or something like that, but if the car is not going to be moved at all does it really need that?""

Claypool Arizona Cheap car insurance quotes zip 85532

Claypool Arizona Cheap car insurance quotes zip 85532

https://www.linkedin.com/pulse/how-can-you-negotiate-car-insurance-agency-after-wreck-castillo/"

[gwassysworld-blog]

every time things are looking up.. the bottom drops out.. or the legs..

My dad found this house a few cities over. small, 3 bedroom, but a lot of land, and good schools..  My baby sister graduated college and she moved with us. I got some tax money and with child support was able to get a car and was back working. It was a really tight fit in the house.. but unfortunanetly it didn't last long. My Pap got really sick. he had been fighting cancer for about 15 years on and off.. cancer in his bones that he got from back when he was in the Marines corps. Something about tainted water at Camp Laguene. Well the VA hospitals were taking care of him and did a good job.. But the last time the cancer came back he was done fighting.. he didn't even tell anyone. We went over to the house one day for his birthday and he was laying face down on the couch in excrutiating pain. My dad and his brother kept saying how they wanted to get him to the hospital and my Nan was yelling but we didn't even do cake yet, we have to do cake. They took him to the hospital and he never made it home for cake. He died a few days later. We found out afterwards that it was because the cancer had come back and he had known for some months now. My mom and dad quickly moved into my Nans big house, the house I grew up in when i was very little.. to help her with the up keep and the property. Which left Me and my youngest sister and the kids with the house. My mom and dad were living at Nans rent free so he continued to pay the rent on the house we were living. Gave us a year and told us to both basically save enough to get on our feet when the lease was up. my dad can be a freakin ass hole .. but this wasn't the first of the last he has gone above to make sure me and my kids had a house. He has always tried to do for us.. he just didn't do so well showing love.. it was just his way.

I hussled that year. I was working for a company cleaning houses, had a side business cleaning houses, worked part time at a gas station, was doing paperwork for some crazy cat guy who owned a limo company. L was set up in a great daycare/ preschool and T was in a great school system that i was finally able to get him a 504 to be able to help in his classes. The kid was smart but his organization and ability to pay attention in the class wasn't there.. no other school was helping him and compaired to what he got on state tests and what he got in the  class grade wise didn't match up at all. now i say this 504 helped.. but its been a struggle every year since. but never the less we were pushing thru.. but my health was getting worse and worse. My legs were killing me and if i was working, even between jobs, all my body wanted to do was sleep.

That year went very quickly and it was time for me to pay my own way. We found our own 3 bedroom house in a different city and we were moving again. My youngest sister did some house hopping with different relatives until she ended up in her own apartment and she to is doing very well now! The first few months in the new house went great. I was being a mom on my own. And then one day i went to bed and woke up in the middle of the night with the worst pain in my leg ever. It cramped up so badly it felt like someone was smashing it with a brick.. and it didn't go away.. finaly after a few days i went to the drs. they ran some tests and realized that my body was releasing to many enzimes and my organs were being effected. so i was hospitalized for a few days.. after i rested and they got things under control they sent me home to do in home physical therapy and i had a walker. the pain did not subside in my leg and i could not bear any weight on it... so so much for cleaning houses.. or doing anything really.. but i kept pushing.. i had kids to raise.. i pushed and i pushed and i pushed myself right back into the hospital. this time both my legs were effected and i could barely walk. After a lot of testing this time they figured out that I had a form of muscular dystrophy. that i had it my whole life and that the issues got worse over time. all my cramp cramp cramping wasn't just growing pains as dismissed as before. the over use of my muscles causes muscle waisting. so the more movement i do the more damage i cause. and the repair process takes a lot longer of a time. After this time i the hospital they could not just sent me home to be in my own house with my kids. I was in a wheel chair and needed intense physical and occupational therapy. I had to go to in inpatient rehab facility .. aka a nursing home. and my kids were back living with my parents for a few months..

This nursing home was a nightmare. I arrived late in the evening via ambulance, and they rolled me thru the freak show all started to pop their heads out of their doors. this wasn't a normal nursing home, this was a state ran facility for people who received government assistance.. most were homeless with medical or mental issues and were not elderly at all.. they put me in my room and gave me my nightly meds. a crazy cocktail of morphine, percosets, and oxycoton and told me to have a nice night.. the first night was not a nice night at all.. i cried in bed all night as i heard the screams of other patients.. huge different than being in a normal hospital... and just the how the hell did i get here feeling.. why now?

I ended up staying there for a month or so and saw a lot of things that were ridiculous. they kept all the patients drugged so that they could not get better and would have to stay. it was a guaranteed pay check for the facility since they were getting government payments. ANd the people who were there were either to in educated or week willed to be able to care.. and honestly it wouldn't of mattered to most of them because they had no where else to go. But i did.. I had a home and I had 2 little kids.. and I needed to get back to them. I pushed and fought the whole way.. everything from them only wanting me to be able to shower once a week, to getting the dr to lower my meds. I was supposed to have therapy 3 times a day, they only waned to do it once.. There was a time when i needed assistance in my room and had pushed the button for a nurse.. 45 minutes went by.. finally a nurse showed up and i asked him what would of happened if i had fallen and got hurt.. and it took him 45 minutes to get to my room.. he said well hopefully u would of just laid there.. right like there would be other options.. I couldn't take it in there and they were not doing anything for me that i couldn't do at home. They wanted me there for 6 months.. after a little over a month i signed myself out, took my wheel chair and went home. ill figure it out.. i always have.. and i did. when i got home i was using the wheel chair but the pain in my legs was subsiding enough that i could also use a walker. and while i was in the nursing home i had a visit from an old friend who had this great plan. Him and his wife, 3 kids were about to be evicted from their home.. they could come stay with me for a few months to help around the house, pay me a little bit a month in rent and save so they could get a place.. i figured i need as much help as i could and until my disability money kicked in that would be a great idea. i had the space. and i needed the help. perfect. back home i went!