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fitnesswomenshealth-blog · 6 years

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Is poor health a problem you can fix by yourself? Not when you don’t have money

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Is poor health a problem you can fix by yourself? Not when you don’t have money

Shully Sappire works two jobs. That’s one more than would be ideal but still two less than what she used to work to pay her bills. Some days, the 22-year-old from Nigeria rolls out of bed and works a “normal” 9-5 doing social work and legal intake in downtown Toronto. Other days, she sleeps late, clocking in at 4 p.m. for a bartending shift. The goal is one full-time job — preferably in the legal field — with benefits; it’s not yet in reach.

READ MORE: Canada’s obesity rate has doubled since the 1970s. What happened?

So, Sappire, who has chronic health issues and struggles to pay her bills even with two jobs, plays mental gymnastics when she’s sick: if I stay home today, what if it’s worse tomorrow and I can’t afford a second day off? But what if the only reason I need to stay home tomorrow is because I went to work today? Am I sick enough that I need to go to the doctor? Is there any point if I can’t pay for the medicine the doctor will prescribe me? Do I muscle through the pain?

Second-guessing, Sappire says, is second nature.

“It’s hard when you are using a body to do things on a daily basis and you’re also fighting that body on a daily basis.”

At a time when there’s never been more information about how to live a healthy lifestyle, Canadian obesity rates are twice as high as they were in the 1970s and Canadians are also increasingly suffering from chronic diseases like hypertension and diabetes. Global News is looking at what’s going on, and why knowledge isn’t enough.

For a growing number of people like Sappire, the problem boils down to money.

“The poverty story is quite simple,” says Daniele Zanotti, president and CEO of United Way Greater Toronto. “Poverty negatively impacts health in both visible and invisible ways.”

Here, it’s visible: Canada spends billions every year treating chronic diseases like diabetes, cardiovascular disease, obesity, and some forms of cancer. Here, less so: Sappire seems like any other young adult, grabbing a quick coffee during her morning commute.

Except that with two part-time jobs and no benefits, staying healthy is hard.

For a few years, as an international student at the University of Toronto, Sappire had access to medical help. She had a doctor and she had prescriptions, although no clear diagnosis for her chronic health concerns. In addition to mental health struggles, Sappire suffers from migraines and vertigo and other chronic issues that have yet to be formally diagnosed.

READ MORE: This is the state of stress in 2018

There was one drug, she says, that dulled her symptoms, that made it possible to keep functioning through the pain. But she had to abruptly stop taking it when her student coverage ran out after graduation. Sappire tried to ease her own withdrawal symptoms, even asking the pharmacist if she could pay for just one or two more pills. She remembers the pharmacist laughing at the request.

Now, Sappire tries to wait out the pain.

“I’ve gotten really used to dealing with difficult episodes,” she says, “I usually see how long it lasts and how intense it is.”

Sappire’s struggles are regrettably common, Zanotti says.

Shully Sappire, a 22-year-old from Nigeria living in Toronto, has chronic health issues and struggles to pay her bills even with two jobs. She spoke to Global News for the #CanadaTheSick series.

It’s estimated that one in five Canadians work similarly precarious jobs. That statistic jumps to 40 per cent in the Greater Toronto Area, per United Way’s research. An Ipsos poll conducted for Global News last month found young people’s mental health is also directly linked to their work and finances.

Sixty per cent of millennials surveyed said their finances had an impact, while 63 per cent said their jobs played a part. The more stressed or struggling a person was, the more likely they were to list work and finances as stressors.

Worrying so much about where your next paycheque is coming from has hugely negative impacts not just for people’s mental health but physical health as well, Zanotti says.

“Things are only going to get worse.”

***

When Valerie Tarasuk started researching issues with food access in the 1980s, food banks were newly operational. The idea, says Tarasuk — now a professor in the University of Toronto’s nutritional sciences department and principal investigator on PROOF, a team that researches household food insecurity — was to give people “a little bit of help” in a moment of crisis.

The problem, she says, is “the crisis never stopped.”

WATCH: Food banks struggling to fulfill the growing need

So much so that in the Canadian poverty reduction strategy released last month, food insecurity is listed as an indicator by which the federal government intends to track its progress. The issue is so widespread, Tarasuk says, that more than four million Canadians are affected. That’s one in every eight homes.

“The people living in food-insecure households don’t have the same options to eat healthy as other people,” she says.

“You’re struggling to get not just a balanced meal but you’re struggling to get enough food.”

Research, including that from PROOF, has linked food insecurity with a whole host of health issues:

A greater prevalence of chronic issues, such as:

Stomach or intestinal ulcers

Mood/anxiety disorders

Migraines

Hypertension

Heart disease

Diabetes

Bowel disorders

Back problems

Arthritis

Asthma

A greater risk of:

Suicidal thoughts

Depressive thoughts

A major depressive episode

A mood disorder diagnosis

An anxiety disorder diagnosis

It exacerbates difficulties in managing conditions like diabetes and HIV

For kids, it leaves a mark. They grow up facing greater risks of:

Asthma

Depression

Suicidal ideation as adolescents or young adults

A few years ago, the Canadian Institution for Health Information’s (CIHI) population health initiative wanted to see just how persistent health inequality is in Canada and dug into the gap, comparing Canada’s richest and poorest using 16 health indicators including obesity rates.

“We’ve really seen that these gaps are large and they’re not changing over time,” says Erin Pichora, program lead with CIHI’s population health initiative.

“We’ve tried to highlight interventions that could address these inequalities so different programs and policies that might help target low-income populations.”

That work is ongoing.

WATCH: Canada’s chief public health officer explains what contributes to Canada’s high obesity rate

At this point, Sappire says, she doesn’t make food decisions based on nutritional value but on budget. Her appetite comes and goes depending on how sick she’s feeling and money is too tight to buy fresh produce that will go bad if she gets sick and can’t eat it.

She’s gone through various phases: stocking only frozen foods that she can thaw when her appetite comes back, buying groceries on a meal-by-meal basis, or buying her lunches because $6.99 for sushi is cheaper than a bag of groceries that she likely won’t get through if she can only stomach one meal every few days.

“Food, although I’d like it to be important, tends to depend on how sick I feel,” Sappire says.

***

Nearly half of adults between the ages of 18 and 54 said they’ve had to choose between buying healthy food and paying their utility bills or buying medicine, according to the Ipsos poll conducted for Global News. That figure dropped down to 37 per cent for those aged 55 or older.

READ MORE: Why we shouldn’t glorify the ‘starving student’ stereotype

That makes heartbreaking sense to Lori Nikkel, CEO of Second Harvest.

“You’re going to pay your rent first because you need to and [because] you can negotiate food,” she says. By “negotiate food,” she means that you can pick specials, find deals, and deliberately choose foods that will last all week.

Lori Nikkel, CEO of Second Harvest, knows firsthand what it’s like to have to “negotiate” food, how you choose specials, deals and foods that will last over the healthy options. She spoke to Global News for the #CanadaTheSick series.

As Canada’s largest food rescue organization, Second Harvest picks up surplus food that would otherwise be tossed away and delivers it to organizations that need it. But that’s not a long-term solution, Nikkel says, because it doesn’t solve the issues that make buying healthy food such a struggle.

“Food security is not about food, food security is about income,” she says. “People need to be paid properly. We need to have access to good jobs. We need affordable housing.”

It’s an issue “bubbling under the surface all the time,” U of T professor Tarasuk says.

Although the issue rated mention on the federal poverty reduction strategy and Canada’s chief public health officer acknowledges its extreme importance, Tarasuk says people still don’t seem to have “grasped the urgency.”

“We’re constantly hearing bemoaning about health-care spending and how it’s got to come down,” she says. “Well, this is a modifiable risk factor if there ever was one.”

READ MORE: Lack of proper access to food costs the health care system: study

The problem, says Leslie Boehm, is that addressing those issues doesn’t yield quick, politically friendly results.

“It’s dramatic to do illness care: you’re ill, you’re cured. Everybody can see that,” says Boehm, a professor at the University of Toronto’s Institute of Health Policy, Management and Evaluation.

“The issue is if you start trying to prevent things, it can take years to realize the results, you know, a kid eating properly and not getting diabetes. There’s no dramatic event … the politicians can’t run around and take credit.”

Sappire doesn’t know what the broader solution is or what the policy changes that might actually make a difference would or could be. What she does know is that in their absence, people seem to shove all the responsibility onto the shoulders of people like her who are struggling to do their best.

WATCH: Federal government unveils poverty reduction plan

Sappire considers herself one of the fortunate ones: she is mobile and has access to numerous services simply because she’s in downtown Toronto. Her parents, back home in Nigeria, chip in to help cover her rent.

But even though she’s careful, even though she’s constantly evaluating and second-guessing her decisions, Sappire says there’s no shortage of wealthier people there to tell her she’s doing it wrong.

READ MORE: Reality check: does social assistance disincentivize people from working?

“When you have a higher income, people don’t really question what you do with your money,” she says. “But when you’re the lower-income person, suddenly people feel like they can tell you what you should be spending your money on.”

Exclusive Global News Ipsos polls are protected by copyright. The information and/or data may only be rebroadcast or republished with full and proper credit and attribution to “Global News Ipsos.”

This Ipsos poll on behalf of Global News was an online survey of 1,001 Canadians conducted between Aug. 20-23. The results were weighted to better reflect the composition of the adult Canadian population, according to census data. The precision of Ipsos online polls is measured using a credibility interval. In this case, the poll is considered accurate to within plus or minus 3.5 percentage points, 19 times out of 20.

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"Lucas Iowa Cheap car insurance quotes zip 50151

Lucas Iowa Cheap car insurance quotes zip 50151

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Insurance claim and deductible questions?

I scratched somebody's car while they were parked, so it was my fault. Damages were minor. Since my car is old and I've dropped coverage on my own car (I have coverage for the other car), I have no plan to fix mine. And the other party offered to settle on our own and not go to the insurance company. So, the questions are: 1. If I claim to my insurance company, how much out-of-pocket do I have to pay? His deductible? Or $0 (since I am not fixing mine)? 2. Would my insurance rate will go up even though I have a clean, no at-fault, claim for at least 10 years? 3. Is this settle on our own legal? And anything to watch out for? 4. What would you do if you were me? Thanks much!""

How a car insurance works? minor car accident?

Hi, everyone. This morning, I had a minor car accident in the grocery parking lot. A lady's car hit the front seat door on the right side of my car. The lady's car is fine, but my car door got dented. For your information, the lady's car was parked in the parking space and I was backing up behind her side-way when she reversed and hit my car. I think she was careless. Anyhow, We exchanged year, make, mode, plate number, insurance information, personal info(name, phone number) each other. Now, I don't know what would happen if I report the accident to my insurance company, GEICO. If I report the accident, I get repair money for the lady's insurance company? if so, how much would I get from the insurance company? and if it's not enough I have to use my own pocket money? Does this count as my fault and would increase my insurance payment? And, I did not take any photos of the cars at the time. How can I prove the accident if the lady insists the accident did not happen? Sorry, it's a lot of questions. It is my first time ever to get into a car accident since I started driving. I'd really really really thank you if you can please give me your advice or share your experiences. and one more thing, if you get your car to a repair center, how long does it usually take to get your car repaired? I live on California, and it's very inconvenient without a car. Thank you so much for your help. and also I didn't not call the police to file a legal accident report. and I didn't call the insurance agent yet. I'm really worried that I have no proof of the accident. Thank you for your help""

Get an insurance on a second car?

Hi all, i am italian and i have a car insurance in my name since 10 years with no claims.I am living in Ireland now and i bought a car and when i asked for the insurance 3 different companies told me that if i want to use my no claim bonus on my irish car,i should cancel my italian insurance.But is this legal?I mean...i need to have a car insurance in Italy,i come back home often.Plus,in italy if you buy a second car you can use the bonus also in the second insurance.But,i am not very familiar with irish law,could you please help me? Thanks Valentina""

""What life insurance is best for a senior 62 female, on a fixed income, AARP or Landmark Life? asap?

My mom and I are ingnorant to the premiums and the small print on determining the rates. Need an honest opinion from a good christian person. Just need help in determining which is better AARP or Landmark Life? I see two very charts that have us concern if we made the right choice with the one paying more to get less...over a ten yr period. Thank you for taking time to respond

Car Insurance Dilemma?

Hello everyone, I just purchased a new vehicle and gave the old one to my mother. She really needed a vehicle. I decided not to trade it in. The problem is that she can't afford insurance however, if I was to add her to my existing policy, she could afford it. This is the problem, she must be a resident at my house in order to be added. Would they find out if I added her? Would she have a hard time registering the car? Only knowledgeable answers please. Thanks""

Looking for catastrophic health insurance.?

Self employed paying $1,200 a month for health insurance. I want to self insure but would like to get some kind of catastrophic health insurance if there is such a thing.""

Car insurance in Trinidad?

What are some car insurance companys in Trinidad, Im moving there in Decemeber, and considering importing a BMW Z4 with me, but need to find out how much its gonna be to insure :o) Thanks guys. Also Im kinda assuming its not really safe enough to drive around with the Roof down?""

Car Insurance different address than car registered address?

Hi, I have insured my car on my friend's address because his postcode turns out to be very cheap for my premiums. My car and Driving Licence are registered on my home address but when I buy insurance on my home address it goes double. Do you think insuring my car on different address is wrong? What if I get my car registered on to my friends address same as my insurance policy? Would that be safe and legal? Please help me in clearing the confusion and doubt.""

Is there a way to not have auto insurance when you will not be driving your car for a year?

I have a car loan that I still owe $15,000. I will be going to Mexico for a year and, therefore, will not be driving my car for a year. Is there a way to just insure the loan so that if the car starts on fire by itself or something I'll still be covered? If so, how much does that cost?""

Should we get life insurance before my husband joins the military?

Should we get life insurance before my husband joins the military. My new york life friend told me that it's better because we can get more money if we do it before he joins. My husband says that the military pays for everything and they have there own life insurance. Which is the best route to take?? I would like to just do the new york life thing now instead of wait, he is joining in January. I'm not sure if I like the USAA life insurance. New York Life is a place I know that is reliable. But this is something people don't talk about very much. So I need some help Thanks!! :)""

Can you put car insurance on a car for only a month?

Can you put car insurance on your parents car for only a month? The car is owned by my mom and she has insurance on her car and i want to drive her car for the last month of my summer vacation, so is there any way i can get insurance on the car too? and then take it off after a month?""

Car insurance question?

If i have my own car titled in my name, could my parents put me under their insurance so my car is insured, or does the car have to be titled in my parents name? It would be alot cheaper for me that way. Thanks.""

Can you be insured on a car with two different insurance companies?

At present I am already insured on one of my cars, however I want to be insured on another car that I have recently bought. the problem is that the insurance company I am with now isn't the cheapest to insure on my new car, there are other insurance companies that offer a cheaper insurance quote. So my queston is can I have two different insurance policies for two different cars? and will this void my present insurance in any way if I buy another insurance policy?""

What are full time jobs that have full health coverage?

I am looking for jobs that have full health coverage, being I have MS and need my medicine and could not afford it on a normal insurance, what are some jobs that have medical coverage?""

Can insurance change your vehicle designation?

repairs on my motorcycle which included frame change were authorized by my insurance. However the new frame came w/o a vin # which I had to get stamped for a new title. Now I have a specialty constructed vehicle , which is not for resale in California. is this legal?""

Crudentials for cheap insurance for 17 year olds?

What are some of cheapest but decent cars to run ( I am 17 years of age)?

insurance? MOT? petrol litre? = cost?

How much would an '89 Mercedes 300e cost for insurance?

So my dad has found a really good deal on a potential car for me in really good condition. It's a 1989 Mercedes Benz 300e. Do you think that since this is a 22 year old car that it'd be a ridiculous amount to insure because of the Mercedes badge? Or do you think I could afford it with a job? My insurance company would be allstate, on my parents plan, I have a 4.0GPA and I plan on taking drivers ed. Advice?""

Lucas Iowa Cheap car insurance quotes zip 50151

Insurance?

I am carried under my mothers insurance because I am in college currently and unmarried. I am pregnant though, so when I deliver, will the baby be carried under my mothers insurance also? Capital Blue Cross.""

Who is the cheapest car insurance provider in Nichigan?

What is the best motorcycle insurance to purchase?

I have a motorcycle, and I'm looking to find insurance. I took the basic riders course that offers insurance discounts. What is the best and most affordable motorcycle insurance to get? P.S. My car insurance company doesn't offer motorcycle insurance""

Is it worth it to take a life insurance?

Which insurance companies hold driving records the shortest?

My insurance rates are ridiculous, because progressive holds ur points against you for 35 months. So tickets that i have that are over 2 years old are still effecting me. Does anyone know which insurance companies hold your driving record shorter than that?""

How much would insurance cost for a 2006 V6 Tiburon 5 speed?

17 and 1/2 years old. No tickets or run ins with the cops for the past year and a half ive had my license. How much would full coverage cost for me on a v6 tiburon?

Insurance pricing difference with different car brands?

Hey there guys- Recently I have begun to look for a car (my first, as I am a new driver), and have a question for the more experienced. I have been looking at things like '04 Jettas, Audi A4's, Infiniti G35's, and the like. I understand that my age, gender (male), and lack of experience are going to directly affect the price of the insurance. But my question is, what will be the price difference between something like an '04 Volkswagen Jetta and an 04' Audi A4? Both seem to be in the same category of sedan, but I suppose Audis have a little more reputation for being sporty. Suppose there is not significant performance difference between the cars, they are both valued roughly the same, and have roughly the same mileage, what will the difference in insurance rates be and why? Is it possible to give me a rough idea of what I could expect? Thanks in advance!""

""Whats a cheap military car insurance, with low down payment?""

i know usaa, but i want options.. im in florida.. if that makes a difference""

Does Medicare or Health insurance work in other states?

If i lived In............. Rhode Island would my health insurance work in another state like Massachusetts.

Why Health Insurance?

Health insurance companies can't cure anyone, prevent any disease, develop new treatments or create better medicines. Yet they take a cut of your health care dollar, create endless paper, interfere with doctors and enrich shareholders. They can all be replaced by software. BESIDES, hospital care and physician services are not random risks, they are a certainty for everyone at some point of their life. They are also preventable or can be protected against. It doesnt make sense to insure against a non-risk. You may as well have PhD insurance just in case your kid decides to get a PhD! Tell me why heath care is an insurable risk. Tell me why it's not an essential social service like K-12 education.""

Can you have 2 insurance policies on one car?

I have recently passed my test and wanted to be added to my partners insurance. They don't except people who haven't held a license for less than 2 years? Is it possible for me too take out my own insurance on her car?

Insurance for a 16 year old?

How much would insurance be for a 1990 corvette? I'm 16 years old, btw.""

17 years old how to get cheap car insurance?

I found a car i had my lieance for 3 months, the insurance is for 2400 how can i get cheaper insurance the insurance will be on my name or if i put it on my dad name how would i be able to drive the car.""

My insurance quote on a 2SS 2010 Camaro?

I just wanted to get an estimate of what my insurance cost would be for a 2010 Camaro since I'm 16 yrs old. In the quote I put my mom and dad also as drivers of the car and I told them I took a driver's ed course and that I had a really good gpa (which I do). My quote was $186 per month on a 2SS Camaro and I'm 16 yrs old. That thing has freakin over 400 HP. I was just wondering if I'm getting a good deal or a bad deal. Thanks for all the help everyone

Is triple a the best car insurance?

Do I need health insurance for cosmetic surgery ?

Just wondering ? I have the money to pay for it, so I don't need the insurance to cover it..But the medical forms ask for that information, and I don't have health insurance yet ? Does it matter ? Can I get the surgery without it ?""

Car Insurance Question?

I am 17, have my license with no restrictions and I live with my parents who have 5 registered and insured cars. By law am I required to have insurance since I am a minor with a non restricted license? My parents will let me drive with them uninsured but How is it different if I drive alone? Insurance stopped covering me 6 months ago when I had to drive with them on my permit, and my mom never put me on the policy. I am also the only junior in my school who can drive but doesn't because my parents are hiding me. Do I by law need insurance because I have a license as a minor and have registered and insured cars in my household?""

What is the average cost for car insurance?

What is the average cost for car insurance on a standard second hand car worth about 1,000 like a nissan?""

Car insurance?????????????????????...

i just got a quote from adrimal car insurance... and im going on through someone elses insurance..... i have been driving for a month and there quote was 658 a year.... around 54 a month.... the car is a saxo 1.6 8v is this quote good? thanks x

""Can I get my car towed home, from a car lot without insurance? Or can I keep it there until I get insurance?""

Can I get my car towed home, from a car lot without insurance? Or can I keep it there until I get insurance?""

Paying insurance monthly?

ive never booked insurance myself before if your happy with your online quote can you ring them up tell them your saved quote ref and then arrange monthly payment/direct debit rather than having to go through all questions again on the phone? what will happen then? will they have to check stuff get your bank details and then send paperwork through? the insurance is going to be in my name but im giving my partners bank card details for direct debit would that be ok?

Hi what is the best 600cc sports bike for an 18 year old bearing in mind the insurance?

I need some help with choosing my first 600cc bike at the moment i ride a skygo 125cc (yes chinese lol) but i turn 18 in a couple of weeks and am looking to buy my first big bike. iv had a look at the cbr 600 but not to keen on the shape to be honest and dont really like the shape of the r6 so im looking at the kawasaki ninja / suzuki gsxr 600 and 750. any ideas would really help insurance would play a big part for me to so i need the cheapest really and what price would i be looking at ? if anyone has any other bikes to suggest i would apreciate that aswell ?

What is a good and cheep health insurance?

i only need it for a month i'm 19 years old and in good health. oh i live in florid

If information on your insurance is wrong.?

if there is a mistake on your insurance say for the length of time you have passed your test or if you have penalty points what will happen if you gave false information will you be found out when applying for a quote or will the insurance company say nothing until you try to claim? Will they take your word for it until you try to claim? or will they pull you there on the spot or will they give to u then ring the police?

Backed into a car - Both without insurance?

I was driving my mothers car and went to a friends to grab something. When I left i backed into another guys car that was there. I was in my mothers car without insurance and he also does not have insurance. He went to a place to get it checked out and says it is almost $3000 in repairs. His car was worth $1500 before it was wrecked. What should be done here? Do i have to pay the $3000? I offered to just buy his car for the $1500 he said it was worth before it was wrecked but he refuses i dont want to put 3000 in a car for it still to be a $1500 dollar car.

Lucas Iowa Cheap car insurance quotes zip 50151

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On 2012 federal tax return form 1040; line 29 Self-employed health insurance deduction. If all my income is from Real Estate rentals were I file a Sch E for reporting my income on my 1040 tax return, does this qualify as Self-employed under the IRS definition so I can take the deduction on line 29?""

Got an insurance check for hail damage on my car do i have to repair my car?

I have had the check for the insurance company sitting for two months due to the fact I havent had the money to pay the deductible. Well I am 35 weeks pregnant and this week my phone, water, car insurance, will all be shut off or canceled this week and my car payment was due three weeks ago. So This is my last and final option but my car is not paid of I still owe on it and the check is for 2,000 due to hail damage and it is made out to me and the bank so it says pay to the order of (name) AND (bank) only! Can I put the check into my bank account wait for it to clear and then pay my bills? I know this sounds very wrong but sometimes you have to do what you can with you've got.""

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I just got screwed by my insurance place, and i want to cancel my policy immediately, but i won't be able to get car insurance again for at least a week. How long until i would become high risk in Michigan?""

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Im 16 at the moment and i am 17 in a few months and i will be learning to drive. I know car insurance is so high for a 17 year old, but i was wondering if i go on the parents car insurance for a while, will my car insurance go down when i get my own as i have had experience on the road""

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I currently have car insurance through State Farm and I pay $318 a month. I looked into 21 Century insurance and the quote says I will be paying about $180 a month. My current insurance expires June 11th but my next bill is due May 25th. How do I go about buying/cancelling insurance? I would like to cancel State Farm by May 20th and begin my new insurance that day so I won't have to pay those crazy premiums anymore.

Did I get a cheap Auto Insurance?

Not sure if I got a good deal from Geico. I insured my new 2008 Mazda and and old Honda Civic. I live in SoCal. Liability Coverages for both: Bodily Injury = $500,000/$750,000. Property Damage = $50,000. Medical Payments = $25,000. Uninsured and Underinsured Motorist Bodily Injury = $500,000/$500,000. Plus Collision and Comprehensive Coverage for the new car. Total Premium = $528.70 (6 months coverage) Is this expensive? Did I choose the right amount for the coverage?""

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""When you buy a car, what payments do you to pay and how much would insurance be for a 17 yr old?""

When you buy a car, what payments do you to pay and how much would insurance be for a 17 yr old?""

Will it raise my insurance?

this was my first speeding ticket. i was going 42 in a 25 mph zone. i live in oklahoma and i have state farm. will it goto my insurance?

What is the best teen driver insurance in California?

Taking driving test tomorrow and need insurance coverage for just me, 18 years old.""

How much is the insurance for having an average motorcycle?

I'm 19 years old and living in Santa Monica, CA. I have driver's license and sometimes I drive my parents' car but i don't have an insurance and car yet. I just want to know how much it will be payed for a year for like Harley Davidson or something.""

Do you NEED insurance for a motorcycle?

meaning can you get arrested with no insurance?

Can you have more then 1 life insurance policy?

""Car Insurance, ammended details of profession lead to increased premium?""

My car insurance company rang me two weeks ago asking to update my details. I was previously registered as a student and unemployed but changed this to working part time as an admin assistant. A week ago I received my new certificate of insurance but today they rang me to say that my premium had increased by 150! I find this difficult to understand how changing my profession from student to admin could whack up my premium by this much. At the same time they offered me a new deal from another insurer , which they claimed would be cheaper, but I refused over the telephone as I felt too confused at the time. Now they told me that they will be sending me the bill to pay off the new increased premium. Can anyone help me confirm whether insurance companies can do this? I am not driving my car any more than I previously had and I cannot see as how my new job increases the risk of me having an accident!! Thanks""

Car insurance even though do not own a car?

Hi, I got my license on may and since then I drive my mom's car. So my mom tried to add my name under her car insurance and I have to pay the same amount of car insurance as her. I only drive during the summer and they told my mom that even if i dont pay the insurance now, they will still accumulate the rate starting from the day i got my license and sums it up and give it to me when i start paying insurance. So either way I would have to pay the same amount of insurance. Is this legitimate? I mean I only drive during the summer and im in school during the year. im 18 by the way and I live in new jersey""

I'm 21 and attending school with no health insurance.?

I was on my parents insurance until they lost there's. What do you do? Health insurance is so expensive.

How long does it take to recieve a settlement from an insurance company?

my husband was in a car accident jan of 07 he hurt is back and hasnt been able to work as much as he used to. we filed a suit against the other drivers insurance company and we just now in sept of 08 got a settlement offer of 7,000! not to sound greedy but that seems like it's just enough to pay his medical costs?! it's been a long time i no that the insurance company wants us to settle for the least amount possible, but i feel like if we don't settle for this amoung were going to be waiting another two years! i'd like to hear from anyone who knows anything about this any advice on what we should do settle or wait? and if we do settle how long before we get a check? thank you..""

Insurance for motorcycle rates.?

Since others said there are to many variables i'll list out as many as I can that they stated . Kawasaki Ninja 300r 2013 will be parked in a small garage, I will be getting a BCR licence to go with it, and I live in Zion, Illinois. The use of the motorcycle will be to get me from home to school which is only a mile and to get me to a job that is within 10 miles. I'll be 16 when I buy it and I don't plan on doing any sport racing or stunts so whats a rough estimate, once again without the referral of a website quote.""

What is the average insurance for a 2004 jeep grand cherokee?

It is a 4wd 4x4 jeep grand Cherokee laredo. Thank you

Do you get motorcycle insurance before or after you buy it?

Which is the best childrens' insurance plans?

Please detail about both unit linked & regular insurance plans.

Average cost for house insurance for a trailer? (VA)?

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Which would be less insurance wise?

I'm trying to figure out what car i want for my 16th birthday.. I've absolutely fell in love with the subaru wrx hatchback. the only thing im worried about is the fact that the insurance rates Might be high. i also like the Genesis Coupe 2.0t and i was wondering which would be more expensive insurance wise. Also what you think about them being first vehicles. and please no<, you should get a POS for a first vehicle... Thanks in advance!! The insurance company is usaa and nothing on the record""

Auto Insurance Rates Increased for NO Reason?

I was in an accident where the other driver was negligent. However, we both have the same insurance company. It's been nearly a year and since I've been receiving the run around from them, I decided to get a lawyer. Once my lawyer contacted them, 2 weeks later my bimonthly bill went up about $15 (over $30/month). Keep in mind, that for nearly a year my rates remained the same but less than 3 weeks after my lawyer contacted them, up the rates went. Is this normal? Is this illegal? Should I inform my lawyer of this shady action?""

How much does is a ticket if you are pulled over without registration and insurance in CA?

A girl I just started dating, who has lived in California for a few years, has not registered her vehicle in CA. She drives around with out of state plates, expired stickers, and does not have insurance. How much will it cost her if she get's pulled over. and what other non monetary consequences will she will face. I have stressed the importance getting it registered, siting scenarios such as, what if you are in an accident and are seriously injured or seriously injure someone else, without insurance, who pays for the hospital bills? . For some reason that does not create enough sense of urgency.""

geico car insurance quote phone

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So we have State Farm car insurance and our 17-year-old daughter is attempting to get her license. She has straight A's and is doing their Steer Clear program. Does anyone have an estimation of how much this will increase our insurance rates?

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I'm 18 & planning to switch to a Honda Civic soon. I'm meaning to get a coupe, but I heard that my insurance rate would go sky-high just because it's a coupe. Is this true? & if so, by how much? Thanks.""

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I am driving a 1.6litre at the moment

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If I cause $1000 worth of damage to another car, how much is my insurance premium going to go up next year?""

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Hey guys and gals, My wife was in a car accident on 10/8 driving our truck with liability only insurance (IE: not full coverage because the truck is only worth ~$3000 and it's paid for). She was turning right and had slowed down to turn (with her turn signal on) when a speeding truck slammed into the van behind her, ramming the van in to our truck. The police filed a report, in which the driver of the speeding truck (an 18 year old kid, that had just left his house less than 1/4 mile away) was determined to be at fault. It is worth note that this happened in front of two different auto body shops, and within sight of the house the at fault driver had just left. Their insurance company, state farm, finally contacted us on 11/8 after not returning our phone calls for nearly two weeks saying they had determined he was in fact at fault and would send an adjuster the following Monday. He came, inspected the truck, determined it was repairable, then said we would hear from their office later that day. When they called they told us the damage was more than 75% of the vehicles worth so it was considered total and they would send the required paperwork to my email address to begin payment. Within 3 hours, the claim agent we had talked to the previous Friday said an owner of one of the auto shops had came forward (all of a sudden, no mention of a witness before) and that he had a notarized statement saying the van struck our vehicle before the truck struck the van. The insurance company now will not pay us for the damages. We tried to call the witness and get a copy of his report because State Farm would not give us the copy. Then we called the other auto body shop and both the owner and one of his employees both seen the accident and say that the truck was at fault, and the owner overheard the driver say specifically that it was his fault. When we bring this to the agents attention, she claims this is not evidence because they know the at fault driver. We found out that the first witness also knows the driver, but can't prove it. Ours is a small town, you don't have neighbors that you don't know or speak to. It seems we are at an impasse, and I have been without a truck for nearly 6 weeks. What should I do in this instance? Get an attorney? Our insurance agency is adamant about not intervening since we did not have full coverage insurance. It may be worth noting that my wife has had back and neck pain since the accident and went to the hospital the day of the accident, the family doctor twice since, and has an appointment with a chiropractor next week (all of which our insurance has paid for.)""

About how much is the average teen insurance of the lowest requirements for TX of a 17 year old with a license

""If i'm under my dad's car insurance plan, does he need to be there when i buy a car?""

Do i have to give the car dealer any of his info? What do i need to show them to prove i have insurance? I live in california, so insurance in required to drive.""

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which typically costs more homeowners insurance or property taxes?

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...in many situations. Why are Conservatives playing the ridiculous charade that Obama is some horrible tyrant for doing his best to make sure every American has it?

Do you have to add your child to insurance if get a drivers license?

My kid just got his drivers license but cannot drive and wont be able to for 6 more months is it still required that I add him to the insurance right now or can i just add him to the insurance when he is able to drive?If i do not, does that mean that he will have to turn in his license or have it revoked?""

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thinking about buying 1967 Camaro and was wondering if it was my primary vehicle would the car ins. be cheaper? Anyone know?

How much would the Insurance go up for a sports exhaust. 10 POINTS?

Hi at the moment my boss pays my insurance on his business fleet as I work in his office in the week, therefore I have a business car (ford feista) I asked him as he's my uncle can I get sports exhaust for it if I pay for it and the additional cost Of the insurance every year IF it goes up. I'm 18 he pays 1200 for the year and I think that goes to about 600 this year.. As he's got 5 business cars on the same fleet. How much extra will it cost me?""

Insurance when you die?

If I kill myself will I get insurance ? I dont care about money I am already well off but just curious about insurance , too early to call my insurer or go look at the doc, to depressed""

""Im learning to drive, do i need insurance?""

I'm 17 and i'm learning to drive. If my parents take me out to teach me, will I need insurance? How does it work? And if i need it where can i get it cheap.""

geico car insurance quote phone

How much life insurance should we have on each other at our age?

My husband is 27 turning 28, I am 24 turning 25. We own a home owe roughly 98,000 on it still, have two children. No credit card debt at all. (don't have any cards) Our cars are 2,000 away from being paid off so I don't think that should be figured in at all. I have 100,000 on my husband and 150,000 on me. I took more on me because he has no family here and though my family of course will help him if I passed away but I thought because I stay at home and he would have to find daycare and all he would need more. My sister said I should take out at least 2x my pay off on my house so that I could pay it off and still have 100,000 to cover financial issues until the parent left could settle in to taking care of a house hold alone. Do you agree? Should we increase our policies? I just don't know...it is hard to think of these things but I want to make sure that if one of us pass away my family will be taken care of and not have to worry about money.""

Can I go under my mum's fiance's car insurance?

I currently live in Glasgow and have one year left of college (after this one) before my family moves to England, due to my my mums fiance/my little sisters dad working down there. Once we move down there I will be doing my driving tests. So my question is would it be possible for me to be put under his car insurance policy even though we are not directly related and my mum has not married him yet? I will be living with him, working for him and he will be putting me through my lessons and also helping to support me as I continue my education down there (if i need support).""

Car Insurance for a new driver?

I've been searching compare sites for a couple of days now having very recently passed my test (yay ). The best quote I have at the moment is 4,500. I have no convictions on my license and at 21 years old, I'm finding this pretty hard to believe. Surely something is wrong? On my mothers insurance (9 years no claims) I'm getting a quote, as an additional driver, at 2,500. Still pretty pricey wouldn't you agree? I'd love for some comments on this, I'm getting rather annoyed! Thanks.""

How much Insurance do I need to pay for a 2.5 million hause.?

Question about delaying the individual mandate portion of the Affordable Healthcare act.?

Since the Affordable Healthcare Act is based primarily on the individual mandate, if the mandate is delayed by 1 year, what happens to those who have already lost their current health ...show more""

Is the car insurance company going to run my credit every time I get a quote?

I am getting of my parents car insurance and i am shopping around for a good quote. I called one person who needed to run my credit. Is every company going to want to run my credit? I don't want my scores to go down.

Life insurance? i dont feel right about this company?

Hi i applied for life insurance through sun life financial. are they a good company? who do you get your life insurance from? is it even important? anyways, they still havent drawn up my policy since i have applied, even though was approved. All i was looking for was a simple life insurance i can afford, and they added in a whole bunch of accessories to go along with it. anyways, they keep coming back for many tests. which would have been hell of a lot convenient if they did these tests all in one place in one time. rather than having to do 4 or 5 tests over the past 4 months. it drives me crazy now that they are always phoning, needing this and that...now im starting to consider if i even want my life insurance with them also, is it even necessary to have life insurance along with critical illness and disability? i am just a studetn on a budget with two young boys at home. whats your take?""

Auto accident in Texas insurance policy?

I was in a car accident today. It was the other driver's fault she admitted to the police that she was doing 60+ on a 40, she slammed her brakes but she couldn't stop so she rear ended me and made me hit the car in front of me, anyways the car I hit was scratch less (go figure) but my cars rear and front bumper will need replacement her car was almost totaled. I have liability insurance (96 honda) and she has Full-cover I would just like to know what's going to happen now? I have never being in a car accident before Will my insurance go up (I'm 19)?? will her insurance pay my damages??""

How much would the insurance cost with a 17 year old male driving a 1987 ford bronco 4X4 v8?

just wondering because i might buy one as a driving project truck

Yes/No: Do you have health insurance?

Why can't health insurance do new methods to cut cost?

Just thinking, how about use health care at another country for cut cost? Let say you live in USA, need heart sugery, do it at India to save insurance money. So health care become more affordable, yet insurance company can make more profit. You maybe say people don't like travel, well if you want more coverage with lower price, you got no choice. Or pay full price for insurance if prefer use America hospital. I understand some situation can't because emergency and need treatment in less than hour so can use local hospital. I am talking about if need medcial attention in less than 24 hours, can be done, insurance can arrange travel, and treatment at half way around the earth. Example: cost 100,000 dollars in USA, cost 7,000 at India for same treatment. Save: 93,000 dollars for all of us.""

My own insurance if i file independent?

Im 18, if no one claims me as a dependent on their taxes (so i claim independent), will I be taken off my parents insurance? and if so, is it health or life insurance or both? and what are the best insurance options for me if i have to get my own?""

Do I need auto insurance on a car that is not running with no plates?

I live in Parma, Cuyahoga County, Ohio. I am planning on buying a project car that is currently not running. I am going to keep it in a garage out on the farm and slowly build it back up. What kind of insurance do I need on it? My old car used to have storage insurance on it for winters, about $20 a month. I don't want to pay $70 per month for a nonrunning car!""

Insurance?

Car inspection for insurance?

So I hit my friends car and he told me to tell the insurance company someone hit me in a parking lot. If I do that and the insurance company inspects it, will they be able to tell that I hit someone instead of someone hitting me?""

Do you need to be enrolled in school to stay covered under your parents health insurance? Affordable Care Act?

So here's the question in case you don't want to read my wall of text below (but it would be appreciated if you did to further understand my question). I was covered under my moms health insurance while in college and I was told I needed to be enrolled in school to stay covered, I dropped out a while ago and was wondering if I am still covered by law under the Affordable Care Act since I am only 19. I was covered under my mothers health insurance, she works for a private company and she said that I needed to be enrolled in school in order to stay covered by the insurance. But this was close to a year ago if I'm remembering correctly. The reason I'm worried is because I'm taking a break from college, and have had multiple doctor appointments/tests done after I left, but I never had a problem with the insurance going through. I've made myself paranoid into thinking that the company may just not know, and is assuming I'm still in school and will randomly hit me with the costs of the testings and doctor visits if they saw I was not in school, or god forbid somewhere down the road my mother or I are in a serious accident and are dropped because of this. I know this happens all the time, the insurance agencies have people hired to find abnormalities in your history in an attempt to drop you and not have to pay the bills. So would I still be covered under my mothers health insurance even though I'm not currently enrolled in school under the Affordable Care Act? Once again I am 19 also. Thank you""

""If your under 30yrs old and you drive a car, how much is your car insurance each month, and who are you with..?""

i want to get a car, but don't know where to start, ive tried the insurance website, but not sure what some things mean, as ive never had a car before, i just want some kind of idea of what range of money i will be paying out each month..thank you for your time.""

How much would car insurance and tax cost?

I am a 23-year-old female living in a small English town. I have not even had driving lessons yet but I am considering it but first I want to know how much would car insurance and tax cost?

""Do you have to insure a car, if you dont drive it?""

I am 17 and currently learning to drive. I have found an ideal car, peugeot 106 quiksilver to precise. and looking at the specs i really do like this particular one that for sale at the car showroom. It will be another 2 months untill i finish all my classes and take the driving practical test. by this time this car may be sold and i might miss it. Due to the high car insurence for young/new driviver myself and me with the provisional liscense, it may be something that i cant afford. So i want to buy the car and park it in my street. so here is the question: Will the veichal need to be insured if i dont drive and just intend to leave it parked at all time on a driveaway/street? and will it be illegal if i do not insure it? P.S. i am intending to to drive the car only after i pass my practical test and also after taking Passplus""

Will a ticket for expired license plate or possession of marijuana make my insurance go up in cost?

I got both at one time.

Cheapest car insurance for 20 year old females?

im a new driver, 20, and female. i need car insurance! which would be the cheapest? i already looked at geico and esurance quotes, its $250 a month....""

Can someone provide best independent health insurance i can buy thats affordable?

I have been chewing tabaco for about 8 years i am 26 years old my teeth havent rotted out yet, but i have a very tiny bump on my tonsils (which i think its just irritated) However to ...show more""

Are minors required to have car insurance in California?

I'm reading the drivers handbook and it doesn't mention anything about that, it only says if you are emancipated that they require it.""

Can I add my grandmother to my car insurance?

We live in different cities. Same state. I just live 2 hours away. I am a 20 year old college student. Female. Single. I just bought a newer car. Financed. BEFORE I bought the car I did a estimate on it with my car insurance to see how it would be affected. I can afford the payments but my main concern was my insurance going way up. And of course after buying the car the quoted price online is nothing near what I am being required to pay. So far I have been living on my own for a year. And I have been paying my current policy in my own name out of my own pocket. The car I have now is paid for. I CAN afford the increase in the insurance (its $90 increase) and I do have the option of switching to a different company at the end of my policy in 2 months for one that is only 1/2 the price but of significantly lesser quality. BUT I would rather save the money and use it to get this new car paid off in 6 months rather than the 48 month lease contract. My grandma already has insurance (with a different company). We do not live together but we live in the same state. I am willing to pay for both policies. mine and hers. My question is------>>>> Is there any way I can add her to my policy or jump on her policy to lower my insurance? Just for the 6 month premium so I can get get this car paid off? If so, how? Please no lectures. I work and go to school. I can afford the increase or switch to a different company but I want to avoid all that. I'm Just curious thats all.""

How much is an car insurance per month?

im looking for an cheapfull covered car insurance for an 21 yr old female who is also an first driver and what company would be best thanks the make of the two cars if chosen are ford ka (2011 make) and kia pincanto thanks

geico car insurance quote phone

Why do insurance take so long to settle a claim Both partys have the same insureance?

My daughter was hit by a student whos is a policeman with schools the student was speeding neither one was given a ticket We hve the same insurance

Car Insurance quotes madness--------?

I am 26 and looking to buy a car. I am a new driver who has only just passed my test. Can I get a reasonable insurance quote? and if so where? I personally hate the idea of handing over 1000+ to a company who in all honesty will sell on my details to a multitude of companies, and not pay-out anyway. i am getting really annoyed by qoutes of 1000, 2000 and in one case 4000 for an 800 1.2L hatchback. I know it is wrong to be thinking this, but is looks cheaper to be an uninsured driver. as I will only have to pay a 300 fine if caught.""

How long does it usually take for an insurance company to pay a life insurance claim?

My father-in-law passed away in April 2009. He died of pneumonia. He had a life policy with a large national company. My sister-in-law is the beneficiary. Here it is, almost a year and a half later, and they still have not paid on the claim. I told her to contact the state insurance commission.""

What insurances will insure scooters?

I am planning on opening a scooter rental business very soon. I need to know how I can get these scooters insured. How much usually would it cost. Please let me knoe someone.. Thank You

Senior life services insurance company?

Has anyone ever dealt with senior life services insurance company, and if so , Good Or bad results. Some insight please?""

What personal information can be revealed by a car insurance card?

Friend asked me for a copy of my car insurance card, said he needed it for something but didn't tell me what.""

UK car insurance question: My insurance allows me to drive my car and also any other car not owned by me...?

with the permission of the owner. But is it necessary for that other car to itself be insured itself. There is nothing in my insurance documentation to say that this is necessary. (this is third party only insurance) If this is the case, then surely I could get cheap insurance on a mini and drive my friends ferrari even if my friend cannot himself afford to pay for insurance for his ferrari.""

Can I pay a AAA Auto Insurance bill online?

I'm in California but I don't know if that makes any diffrence.

Cheapest option I want to transfer my insurance from my old car which I prt exchanged for a newer car I just?

I want to transfer my insurance from my old car which I part exchanged for a newer car I just bought,but my Insurance company are asking me to pay about 40% more and requesting 40% ...show more""

Will my car insurance increase?

If I got pulled over and received a ticket for disregarding a stop sign and I choose to attend traffic school will my insurance go up?

How much is insurance for a 16 year old boy?

my names Alex im 16 years old and i have my license and a job. i have to cars a 1978 Cadillac coupe Deville and runs perfect but really bad on gas and a 1980 camaro sports coupe sitting since 1994 but runs witch car would be cheaper on insurance

How much does it cost to add a minor to my (RACQ)insurance if there under the age of 25?

High insurance on car?

Ok so I really don't know much about cars or insurance and I really want this (Nissan 350z) but someone told me it has high insurance ..what do they mean by that? If my car gets damaged it will cost more to repair? Idk..someone help though!

Life Insurance?

Is life insurance under rated? If so explain why?

Why is barebones insurance for me going to be...?

...$150 a month for a 1985 gmc s15 4x4, valued at approx. $200 with the very basic coverage, liability only type thing. i have a 2002 chevy s10 2wd and its only $350 a month with total coverage. what the heck?! im 18, have a couple traffic violations but nothing serious (22km/h over the limit and an amended stunting ticket), i live on my own, have a steady job, and am looking for something that i can get stuck in the mud and dont give a crap about. any one know where i can go to get really cheap insurance for this? i live in alberta so it limits my choices a little from the world wide options. thanks everybody""

What is the cheapest auto insurance?

When buying life insurance what is the best affordable option?

I am 37 with 2 kids I currently have term life on me for 250,000.00 and 100,000.00 on each of the kids. Now there are tons of different life insurances out here is one really better than the other? I currently have it thru met life does it really matter?""

If i drive less than 40 miles a day am I really entitled to more affordable car insurance?

You probably notice these ads on yahoo saying if you drive less than 40 miles you are entitled to cheap insurance to click on their ads to find out more. I was wondering if that true, what 's the trick?""

How much would car insurance cost for a first time buyer?

I'm 20, male, and buy a brand new car and it will be my first time driving, how much would I expect to pay for insurance in the first year?""

Car insurance address different on license?

My drivers license and car registration address is at my mothers house which is my permanent address and my car insurance address is where Im living now which is a rental house. Do I need to change the address on my license and car registration? I'm always at my mothers house if it makes any difference. Is this illegal? How would i go about making changes if they need to be done and does it cost money? Thank You!!!!!!

Car insurance!!!!?

i need to know what the average car insurance for an 18 year old girl working in a hospital's peugeot 106 1.1 litre would be.

""Cheapest Place to Get Auto Insurance, Wilmington, NC?

I am a first time driver. I need help finding a cheap auto insurance company to help me out

Car rental insurance? do i need it?

I will be paying with my credit card. I have insurance on my car, but only the basic liability nothing else. Should i buy the insurance the rental agency offers? what happens if i have an accident. Thanks for your response""

How much would car insurance be?

I'm 17, but plan on registering and getting insurance in my name when I am 18. I'm a female, I live in Georgia and I'm just now getting my license. My car is a 96 Toyota Tercel. A piece of crap that runs, but she's my piece of crap :D help?""

Question about car Insurance.?

I live in Canada, Ontario. My question is, if I am 16 years old, can I call insurance companies for insurance quotes? Of course if I have my license and tell them everything honestly and truthfully. Do I have to be 18 or above to do this? Just please tell me if I am eligible to call insurance companies on my own to gather quotes. Thank you""

geico car insurance quote phone

https://www.linkedin.com/pulse/2014-ford-focus-insurance-quotes-aaron-hoffman/"

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deafeningcreationperson-blog · 6 years

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What is the average cost to add a 16 year old to auto insurance?

"What is the average cost to add a 16 year old to auto insurance?

I am 16 and I am trying to get my parents to let me get my license and put me on the insurance, but they think it will cost to much. I know it will cost more, but I don't know how much and I have an A average at school and I am a girl so that has discounts. I asked the insurance place but they asked to many questions so if you have a rough estimate that would be great.

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

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Which life insurance companies do you recommend? How young is too young for your child? He's 1... I'd like to leave my family with the security and without the stress of money when I die, but I don't know where to start. Thank you in advance!""

What insurance is the cheapest a month?

for a 16 year old that drives a 98 ford explorer 4 door 4wd. 4.0L V 6. it has a lift on it i dunno if that effects it at all. i;ve looked around but all it shows is like 2 grand. and i know it aint 2 grand cause my cousins 17 and she has an 05 mustang gt. by the way i live in tn. dunno if that helps. and i have 230,000 miles. no wrecks or sitations.""

Insurance agents in Chennai?

if you know any insurance agents in Chennai help me?

Auto Insurance Rates?

So, I got into an accident a year ago in June when I was 17 so I have 2 points on my record, I was declared at fault, which was bullsh*t btw, but I haven't driven since and I'll be 19 soon in June. I'm looking for a car now because I really need it to get to school. I will be under my parents account and will get liability coverage, generally how much higher will insurance rates be (by %) in CA for me? Intelligent answers only thanks.""

I used to own a Vauxhall Astra 1.6 I now want a Fiesta 1.4 will that be cheap tax /insurance I am 61?

female, just need a cheaper car, second hand & automatic,Thanks .""

What is the cheapest month to Insure a Car in UK?

Hi Ive been recently doing insurance quote searches Ive found out that during summer period car insurance is around 200 more than if you was to do a insurance search in winter ? So does anyone know which month is cheaper ?

""Which car insurance companies are the cheapest in New York State( queens, new york) in particular?""

I just bought a new car and am hoping to get car insurance and register it. I am curious what the cheapest companies are. I just got a quote from Esurance.com, and am curious if there are other cheaper companies. I am 22 and have a bachelors degree and a job. I want to insure a mazda protege hatchback. Please let me know what your experiences have been.""

1st time car insurance. Y are they charging me so much?

I had no idea car insurance was so expensive. Quotes so far for basic insurance: Progressive : $300 for 6 months Geicko: $455 for 6 months. Where can I find a better deal? My info: Male, 27 y/o, Got license at 18 y/o, 1990 Honda Accord (paid $900 for it), 180K miles No DUI's, accidents etc, this is my 1st car""

Will I make my bf's parents' car insurance rates go up?

I've lived with my boyfriend and his family for a little over a year now(I pay rent). I am 19 and do not have my license. I have relied on carpools and the bus so it wasn't an issue. Now, I am planning to buy a used car, take the road test and get my own auto insurance. The thing is, they would most likely complain if this would increase their rates. I wish I could just pay a high rate alone- what would be the difference if I just rented a room in a strangers house??lol. I think that it would affect them, but does anyone know for sure?""

How much would the cost of my father's car insurance increase if I became a young named driver?

I'm currently 19, approaching 20 and haven't started my lessons yet. It has been arranged that if and when I pass I will be put on as a additional named driver on his insurance. He must have a significant no claims bonus and the car is about 6 years old. The car would not be considered sporty/powerful. I know you can't give me an exact number but if anyone has gone through this how much did your premiums increase by? And/or on a percentage scale how much this would likely increase.""

How can a non BC resident be on a car insurance (ICBC)?

BC only has one choice of auto insurance, ICBC (gov't run). And ICBC is not flexible and so expensive. I have a car insurance from ICBC on my car, but they told me that when my boyfriend who has an international driver's license cannot drive my car under my insurance. I thought about renting a car so he can be insured and drive. But ICBC's rental car insurance does not cover non BC residents either. So how people who visit BC from other countries travel and be insured to drive a car??? Any information will be much appreciated. Thanks!""

What will happen to our car insurance rate?

16 yr old son got his license. Wife and I have 2 fairly nice cars. Full coverage. When we added my son our rate doubled, more than doubled actually. His grandmother is giving him a car this week. Not worthy of full coverage. How should we handle the insurance. Can we list him as primary driver on that car and do liability only? Will that make the rate go down or will it go up even more?""

""Cheap, yet reliable insurance?""

What would be the overall consensus on the most affordable car insurance coverage. Considering I need to file an sr22 form, plus I've had a dui and a reckless driving charge. I know that makes me sound like a horrible driver, but honestly I've just had some major bad luck, I'm very careful, never had an accident, just was in the wrong place at the wrong time. Don't currently have a car, but will likely get reliable four door sedan of somesort, newer model. Plus I know that 25 is the year rates drop, I am 24, had the dui nearly four years back and the reckless just over two.""

What is a coinsurance rate ?

What does it mean if the coinsurance rate is 0 % ? Does it mean all my medical service are 100% covered ? If it's 30% - does it mean I have to pay 30% ? What are the advantages of having different coinsurance rates ? If they cover one area such as hospital services - do they skimp out on other areas such as prescription ?

What is the cheapest motorcycle insurance in the uk?

""Were and how I can get car insurance in Europe for my american car, and how much is that( annually)?""

I would like to drive my car all over the Europe, but were I can obtail insurance ( green card ) for EU""

Can you get motorcycle insurance for summer months instead of all year round?

I was scoping out some insurance rates and it seems like you can't just get insured for the summer months when you actually ride. You have to pay it all year round and if you cancel they wont insure you the next year. Does anyone know of any way to just get insured for the summer months (May - August)?

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My Brother has a full comprehensive UK car insurance. Can I drive his car and be covered by the insurance even though I am not listed on the insurance and live at the same address. I have a full UK license, he claims I am covered because he gives me the permission to drive the car which according to him is right. I have read the insurance policy but my brains are not big enough to understand that given permission part. If anyone can throw more light on this, it will be fully appreciated.""

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JUST PASSED TEST. Its insurance group 6 Tanks

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I am 16 in June. I own a mustang lx but it is the 2.3l model that my company geico doesn't classify dangerous or a sports car. My dad has wonderful credit. The car and insurance is in his name. So is my car ad tittle and tag. Basically to keep costs down everything is tech his. I will be listed as driving 10-15% of the time As a secondary driver. His driving record is clear and great credit. He has a jeep patriot 2013 and my 1989 lx mustang will be the 2nd car. They got a brand new car and his credit when checked was about the best possible. Forget the numbers but literally the best possible by a few. Never missed payments etc. so about how much a year or every 6 months would my 89 4 banger mustang cost to insure?

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I am going to go get a new car today. The dealer told me I don't have to contact my insurance carrier yet until after I get the car. He just needs me to bring proof of insurance on any of my cars. Does anyone know how long I have in the state of florida to get my new car on insurance. I signed up for new insurance a few weeks ago that takes effect in a week so I wanted to know if I can wait until then or do I have to get it earlier? Thanks!

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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?""

What sensible action can be taken to overrule discriminate car insurance rates based on age and gender?

It is and should be well known that all, or almost all, car insurance companies have outrageously higher rates for male drivers and elderly drivers. Naturally these are based upon statistics that are likely agreeable enough, but it is still highly unjust to charge more simply because a driver is a certain gender or age. Alone this is not inherently a problem, however, the government now mandates the acquirement of insurance, which changes (or should change) the business's status from that of being privately owned. Point being, if you MUST have it, then the rate must be based on the sole individual owenership of the insurance, e.g. driving experience, amount of accidents, car safety rating, etc. The same bias would be exacted in saying that African American people are more likely to have an accident than Caucasion people, but that would have a 0% chance of standing in any public eye or court of law. This action might be legal, but it is inarguably injust and should not be legal under any circumstance. Discrimination is rampant enough throughout society, and certainly should not be introduced into the corporate or political world. Unfortunately this question is leaning on the brink of a rant, which is prohibited by the guidelines, so it shall be continued only for a short while. The basic question is simple. When will something be done about it, who will do it, and how will they do it. I would undoubtedly challenge its legality myself, and still might in days to come, but unfortunately my age does not coexist well with my ambition, aptitude, or will. So it would be preferable for some other courageous folk to challenge it themselves, which raises the obvious question: How?""

""How can I tell the difference between regular car insurance policy ,and a group insurance policy?""

How can I tell the difference between a regular car insurance policy ,and a group insurance policy?""

Can we insure our life with more than one insurance company?

If so, in health insurance case, how we get reimbursement with one one set of original bills?""

""What's the best, affordable health insurance company?""

I'm in college, so I don't work. Therefore, I need health insurance, and I'm paying 191.00 per month for BlueCross! Is there any better out there? Please help! I live in Florida, 26, healthy.""

Can't pay my insurance?

I paid my tickets and was going to renew my license but was told I was suspended from paying insurance till next year, is there really anything I can do?""

Whats a good health insurance company for when the baby is born.?

Is there any inexpensive insurance companys. I am financialy not able to provide the best but I want to atleast have health insurance on the baby. I am looking at affordable. I live in North Louisiana.

My dentist wants me to pay up front and have my insurance company reimburse ME?

I just went to the dentist today and had a filling. I have dental insurance, but the dentist wanted payment up front for the services. The receptionist said they require payment in full for the services on the day of service, and then they will send the insurance claim in to the company and eventually I will receive a reimbursement check. Isn't that what INSURANCE IS FOR??? So you DON'T have to pay????? I don't handle the cash in my family, so after much arguing about requiring payment up front, the receptionist agreed to let me walk out withouth paying, but expects me to have my husband pay by tomorrow. It just doesn't seem right that the dentist gets cash up front for the work, and then makes ME wait to get reimbursed by the insurance company... what the heck?""

How much motorcycle insurance

I'm 16 and i live in new york but i don't know how much insurance is

How many cars can you have insurance on?

I have a permit, No drivers license the only way I will learn how to drive and get a license is if I buy my own car. My mother ( the asswhole ) has three cars already and uses her insurance.. is there a limit on how many cars your allowed to have insurance on?""

Are car insurance quotes free?

i just want to know

POLL: How much do you pay for car insurance?

i asked about how much car insurance costs but didn't get any great answers, so i'm just going to do a little survey""

How much should car insurance cost me?

im 16 and ive been saving some money for a while and i bought a 1998 honda civic, im currently paying $265/month for insurance is that too much, because im not sure im going to make the insurance this month because my hours were cut""

I was in a car accident so i been off work how will the insurance pay me?

I been off work due.to my accident my insurance said ill get paid after 14 days due since I'm not able to work

Does anyone know about how much insurance costs for a Mitsubishi Lancer?

Im 16 so if that changes anything and im from texas and the car is a 2008 Mitsubishi Lancer

Need a term life insurance policy with no medical exam or health questions.?

Preferrably online. As simple as possible.

What is the average cost to add a 16 year old to auto insurance?

Why do we need car insurance or why is it required?

I've been driving for about 3 years now, and I honestly cannot help but ask why are we paying $100 per month or more on car insurance, and some of us don't even get into accident at all? I mean that is like money out the door. My current premium is $625 per 6 month and it is a pain to pay it off. So, what I suggest if you get into an accident you are required take out a loan if you cannot pay and pay it yourself, wouldn't that make more sense? Instead of having to pay all that money off and in return you get nothing?""

How much pain and suffering from my auto accident?

In Feb (2 months ago) I was rear ended at an intersection by a drunk driver. It was 3pm, I was on my way to class, and he hit me out of nowhere. This was his second offense. He was arrested that day on DUI/drug charges. He was fully insured by Nationwide Insurance. Turns out he has a LONG list of driving violations, speeding tickets, and such. I was taken by ambulance to the hospital, and then went again the next day. I have been to my medical doctor and chiropractor since then. I had never been in the hospital before, or to a chiropractor, and my neck/back are now messed up. I have had a MRI, and a ton of prescription. I have lost the natural curve in my neck, my vertebra are out of alignment, and I am having BAD, BAD headaches. I had $3000 damage to my car, and over $5000 in medical bills. How much pain and suffering can I get? Until this point, I was healthy, and fit. Since then, I cant work out at the gym, and Im getting headaches which affect my concentration, and sometimes my vision... Im only 24. What am I entitled too?""

Why are my insurance quotes so high?

I live in New Jersey, Plan on buying a 2012 mazdaspeed3. I am 18, which of course will make my policy higher. Currently, my car insurance runs around 300/mo on my parents policy. I cannot join their policy with the new car as it will be registered to me. The following are the rates ive been quoted Progressive - 6 month policy, $5,000 + $1,200 due at start-up Cure - 6 month policy, 6,200 + 1100 due at start-up Liberty Mutural - 6 month - 5200 + 1500 start plymouth rock - 6 month - 2,2009 + 679 start Why are these all so expensive? and why do they only offer me 6 month policies? thanks in advance!""

What happens if you are in an accident that wasn't your fault and you have no insurance.?

question says it all LIVE : California.

Affordable Dental Insurance? Can it be true?

I recently lost my job. I would like a separate dental insurance plan besides my basic health insurance. I wonder if anyone else is feeling the pain like me. Any suggestions?

What is the cost for home insurance based on?

I am thinking of buying properties in other states to use as rental income. The properties are cheap so i can afford to pay cash the issue how ever is that the rent is also cheap in Update : Yes i know being a distant landlord is difficult so if it makes economic

Where can I find cheap insurance at 17 years old with car modifications...?

Hi, i'm about to turn 17, will have a year 2000 renault clio, and would like to know where the cheapest place for car insurance is. The only modifications I want is new back light covers and a CD player. Directline do not insure 17 year olds with modifications. Not even with a different CD player... Thanks""

How much will my insurance raise after DUI and totaled vehicle?

I totaled my 2005 Jeep Wrangler Unlimited Friday night and got a DUI. I have been with Nationwide for a number of years, and had a pretty exemplerary driving record. I was paying about 100 dollars a month full coverage as a 26 year old male on my Jeep. Does anyone have an educated guess at what my insurance rates will do now? I'm trying to decide, when I get my license back and buy a new car, if I should be looking at a sports car with full coverage, or if insurance prices alone are going to make me want to get something cheap with liability coverage. By the way, I live in West Virginia.""

Question about car insurance...?

Me and my partner are looking to buy a car. He is the only one who drives and so the insurance would be for him. We have noticed that all insurance policies ask whether you have any children under the age of 16. If the answer to this question is 'yes' it significantly increases the insurance quote. I am currently 15 weeks pregnant and so at the time we take out the policy we will not have any children. Would it be ok for us say no to the question about children as technically we wont have any? Thanks

About how much does a car alarm save on auto insurance?

I know this depends but just give me a GUESS. or how about; use yourself as an example. How much do you save, or would you save, if you had a car alarm?""

""So, is a MAZDA 3 sedan good for first time driver?""

insurance cost?( 19 and a female, live in sf) my dad could own the car and put me as co owner so that insurance wud be lower..hmm? fuel cost? and the cost of the car( including taxes and everything else) please help!""

Does making payments on a car make insurance cheaper?

my mother in law is about to buy us a car and we are going to b paying her back. so i can either put that we are owning the car or making payments on the car in the insurance questionnaire. but i was wondering what difference it made. does making payments on the car make your insurance cheaper or more expensive or cheaper? i googled it but couldnt find an anwer

Luxury cars with low insurance rates?

I was wondering what types of luxury cars would have the lowest insurance rates? I would prefer either a sedan or coupe. So in the category of luxury sedan/coupe, what would be the lowest insurance rate? I don't care about the price of the car itself, I just want one that doesn't have me paying a bunch every month, non-stop. My definition of low is around the neighborhood of $60, preferably lower obviously. If there is no such thing, then please tell me the closest to it. Thank you in advance.""

HELP!! IM 19 i need a very cheap car insurance?

hi i recieved a BMW compact 02 plate car as a gift, and i was really happy but now im really upset because i cannot find any cheap car insurance, i quote all the time and the lowest price i get is 5200 for a year and monthly instalments of 468, i wonder where in their brain do they they think i can pay that every month, i work and pay my rent, sky, internet, gas, tax, credit card etc. what must i do i cant afford to pay 468 more on bills. can you please give me websites which can help, and please dont leave any rude comments because i really cant be bothered for u wasting your time , THANK YOU""

Term Life Insurance at age 21?

I am 21 and I was wondering if I should purchase a $1,000,000 term life insurance policy through USAA. I received a quote for $42.19 (and an additional $11.66 for waiver of disability) and the premium is guaranteed for 30 years. Do I need this policy at my age? Also, should I get the Waiver of Disability for $11.66 more per month? All answers are appreciated!""

Insurance help please?

got hit from behind by a driver who has insurance, i notified my insurance what happens next ? will my car get repaired by his company or mine ? and how does a deductible work ? Ive never been in an accident so i am clueless on this,,,,,and how do they fix your car ? do they tell you where to go to repair it ? or just give you the money ? and how do you determine how much ? sorry for being uninformed completely !!!! thanks for your knowledge""

""Can you get cheap car insurance, under fully comp at the age of 17. But at a reasonable price?

Is there any car Insurance company out there that could offer me a really good price for car Insurance? Im looking to insure a 1.2 litre Renault clio under comprehensive Insurance. Reason I want to do this is because I will be able to drive other cars to without me paying for insurance on them. Anyone?

Want the cheapest and most affordable insurance in Florida (Tampa) !!!?

He guys, I'm 19 years old and just received my driving license this week. I want to insure my car that I just bought recently , would someone tell me a name of a company that offer an affordable insurance for student ? Just to let you know , some people say that there is no differences between insurance companies prices. but actually that is WRONG !!!>>>>> Some companies try to get customers by cheap prices > please let me know if you have experiences this situation.""

Average motorcycle insurance?

What is the average motor cycle insurance for a 22 year old female who's taken the motorcycle driving course? Anybody know a ball-park figure?

Will my car insurance rates go up if i crashed a car as a valet?

backed into another car as a valet. My company has insurance. The insurance exchanged was my bosses, and the other 2 parties involved (car I was in and the car that was hit). My license number was taken down and I received a traffic ticket. Oh well. My real concern is does MY insurance ever find out about this? Or is it all on the company's insurance?""

Car Insurance for a teenage.....?

I am turning 17 and I already got my licence. i wanted to know how much my car insurance would be if i were to get a 2000 toyota corolla in Glendale,CA.""

Question about getting a car insurance quote?

If I go to say, State-Farm's website and get a quote. They need information like my specific address. I'm new to this, why do they need phone numbers or addresses? Am I going to receive spam mail from them or something? I know where I live affects my car insurance, but a specific address.. I'm just lost. Thanks""

Home insurance comparison?

Considering switching home insurance carriers. The North Carolina Rate Bureau (NCRB) rate and premium for a policy period from May 18, 2013 to May 18, 2014 is $770. The insurance company's proposed rate and premium is $984. This represents a 28% increase over the NCRB rate and premium. Our assessed home value is $525,000. We hold other policies with USAA (auto, life), but have not gone with them for home because the feedback we've received insofar as home has not been favorable. I welcome your home insurance insights, thank you.""

I need a form for allstate car insurance good student discount?

Would it be against the Law if you don't have this Obama Health Insurance?

Will you be put in jail or a fine if you don't have this proposed Health Coverage? What if someone is homeless which is alot of people with this economy, do we pay for them too? Who is this for anyway? Do you think the Insurance Co.'s will make it affordable because I seriously doubt that with the Government in their pocket!!?? If it passes would this be a huge windfall for the Insurance industry or what?? First the Banks and Now the Health Industry?""

What is the average cost to add a 16 year old to auto insurance?

Insurance companies that offer insurance to permit drivers?

I just recently bought a car a few days ago and I'm in need of insurance until I get my license in October, is there any insurance company that will offer insurance until I get my license, I'm only 19 and I live in ny, I'm also aware that I will get crazy rates since I'm a teen and have a permit and will be considered a first time driver but I need insurance, don't have anyone to put me under so I have to put it under my name. Thanks in advance""

Auto Insurance Quote question?

What does the 250/500/100 liability coverage on the premium policy mean? Here's the auto insurance quote: 1999 Honda Accord LX [ assume a 20 year old male with Good Student Discount and Accident - Free for 3 years] Quote: Premium with Comprehensive and Collision ($500 deductible) With Multicar and Multiline Discount 1999 HONDA ACCORD TERR:003 ,AFD3YR, VSD2 RG:04 CL:5B GS - PREM BIPD 250/500/100 = $284.74 WITH P1 PIP P4 = $4.00 COMP $500 DED = $52.79 COLL $500 DED = $162.39 ERS = $2.60 R1 80%/500 = $11.60 U 250/500 =$19.40 S 1 AT 5000 =$1.20 NEW PREMIUM =$538.72 ----------------------------------------------------- If you can't read the above, then what's 250/500/100 liability coverage on a premium policy mean?""

Health Insurance company for a graduate student? What one is best as far as price and coverage??

Anyone have any suggestions for a good health insurance company for a graduate student? The coverage from the school is one thousand a semester and thats way to much.

Life Insurance question?

I have a non-prefer smoking policy life insurance but on the present I smoke .what could happen if in case I die? will my insurance still cover my family?

Can my dad insure my car if the loan for the car is under my name?

I just bought a car and it is financed under my name. I was wondering if I could just let my dad insure my car cause then the insurance would be way cheaper. Is that still possible? Some people had told me that it doesn't matter who is the loan under my dad could still be the one insuring it and I could still drive it saying that it is his. I just wanted to make sure if I could do that?

What is a private jet's insurance price? and maintenance costs? Averagely.?

For school I have to do a business plan. We are creating a fictive private jet renting company in Colombia but i can't find these informations. It is really important as i is part of our financial statements. Thank you very much.

Do I need auto insurance on a car that is not running with no plates?

""Cheap, affordable health insurance for a college student?""

I don't dorm for college being how I live within the vicinity of my school. So that already kills off a few suggestions being how there's more insurance coverages out there for dorming students. What are some websites or companies that would have fairly priced insurance? I'm on a low income & I've tried applying for medicare, but that's a whole another issue I'd rather not discuss here. I've heard someone tell me something about Obamacare? & I also tried getting insurance from my jobs union but they have YET to send me my medical card in which I've just about given up in trying to obtain in the number of attempts I've called them about it... So please, if you know ANYTHING based on the above criteria, thanks.""

""Where can I find affordable dental insurance, that I can use immediatleywith no waiting period???

Im in the State of VIRGINIA :)

How much in total would a decent car be for teenager?

How much in total would be a decent enough car to start off with for a new driver? And how much would the insurance be?

How much does Geico car insurance cost?

How long does it take for car insurance to lower rates?

I have been with GEICO auto insurance for roughly 1year and then another approximately 4-5years. I had a break due to joining the military. At this time i receive coverages every 6 months. The problem i have with GEICO is that i been paying just about the same since I started and just recently my rate went down only 20 dollars. I have been in one accident with an elderly who passed a stop sign, a speeding ticket of driving 35 on a 25 and i believe two seat belt tickets. Nothing in the last two years or more. What do i do to get my rates lowered without effecting the quality of coverage. When do insurance companies lower their rates??""

Where can I get consultation for health insurance?

I need help finding free health insurance.. Dont have a income.?

I dont have a income and i need help finding a free Health insurance.. Does anyone know about any free health insurance that the government gives for the ones who are in need...I cant apply for low income health plans.. because i dont have a income... please answer asap....

If a car is red does it cost more on a persons insurance?

a Friend is looking 2 but a car she is 19 and she wants a red car will it cost more to be on her on her mothers insurance

Has your auto insurance premium gone up?

I live in NJ and currently have AAA auto insurance, and my premium just renewed, and I noticed it went UP $300! I have no points, tickets, none of that. I didn't buy any other vehicles, or anything. I called them and they told me they had an overall rate increase. I think they're giving me the run around. I've never had a random rate increase ever before.""

No proof of insurance ticket in California?

I was driving my uncles car and got pulled over because the insurance paper was forgotten and left inside my uncles wallet. The car has insurance. I am not in the policy. I do not live at the same address the car/insurance is registered at. I was just borrowing the car for 1hour. The officer told me its like a fixing ticket you show up in court show the insurance and your ticket will be dismissed. So i went to court took the insurance and the judge told me my name is not in the insurance paper and i need to pay the fine. I read other places that i am okay to drive or borrow others car as long as the car has insurance and and also am not living at the same address the car is registered at or else i will need to be in the policy as well. What are your opinions? Should i get a lawyer and fight it? Or I need to pay the fine. I also got the ticket in California. Thank you

Car insurance do i have to tell them ??

am trying to fill in a form for a quote, i was involed in a crash which wasnt my fault, the other person admitted responsability, do i have to declare this as a claim ?? or do i not mention this, am trying to get a quote for this years car insurance Thanks""

Cheap Car insurance ?

I am 17 and had 2 crashes does anyone know of cheap car insurance cheer

How much is insurance for a 16 year old boy?

What is the average teen male's car insurance cost??

Which car would insurance be higher on?

Hi, I'm 16 and I'm getting my first car. I've saved up a chunk of money to make the down payment and 2 or 3 of the monthly payments (my parents are paying for the rest). I've narrowed it down to 2 cars of about the same price. A 2004 MiniCooper and a 2005 mustang (v6). My parents will be paying for my insurance so I was hoping you could tell me which one would have a lower rate so I could make it easier on them? I already know it's going to be high because I'm a teenage driver so whatever helps really. A mustang is kind of, sort of, sports car-ish (I'm not big into cars people, ignore my ignorant terminology) so I figured that would have an effect on the insurance. On the other hand, a minicoop is very small and I don't believe they're made in the U.S like a mustang is so parts and stuff would be higher if I'm correct? Thank you very much for any help!""

Affordable Senior homes?

what is the best place for seniors who live on their own and have health problems or have difficulty in taking care of themselves? Something that can be affordable in the same time.

Do you believe medical insurance should pay for breast implants?

Vasectomy, chiropractors, accupuncture, penile enlargement, orthopedic shoes? Why? Have you used it for such?""

What is the best health insurance and affordable in arizona?

for mom and a daughter

What is the average cost to add a 16 year old to auto insurance?

https://www.linkedin.com/pulse/nissan-skyline-insurance-price-daryl-preisentanz"

0 notes

viralhottopics · 8 years

Text

Detained on Nauru: ‘This is the most painful part of my story when you realise no one cares’

In this excerpt from the book They Cannot Take the Sky, Benjamin talks about his years detained on Nauru, and his undying hopes for the future

Benjamin was taken to Nauru in 2013 with his family. He told the first part of this story on Christmas Day 2014. He is still on Nauru.

You just have to cope with it

We were in Offshore Processing Centre compound number 3 the family compound in the Nauru detention facility for a year and three weeks. In that time lots of things happened between us and Wilsons, the security guards running the camp, especially with my father because everyone trusted him. So if problems happened, people would tell my father and my father would try to help. But after a couple of months the Wilsons tried to somehow punish us as a family, you know, for just simple things. One day my father was in the line for food and the Wilson didnt let him go inside he sent another family in rather than us. My father tried to just talk to them but suddenly they called the police. Police came and they sent my father straight to custody.

My father had a stroke when he was in custody. Hes a little better now, after four or five months, but hes still really not able to use the left side of his body very well.

Because of the stroke, they sent my father alone to Darwin. They gave us a time to visit just before he left. There was a neck brace around his neck and he was in a wheelchair. I could just see him for 15 minutes and then they took him away and sent him to Darwin. I was 18 at that time and my sisters were all minors. There wasnt a guardian for us, but they let us be inside a camp. My sisters, they all got lots of problems. They couldnt sleep at night. Me either.

I went to the psychologist and I told her, Ive got these types of problems, and she said, You just have to cope with it. You cannot go to where your father is. You just have to wait until he comes back. I warned them that if they didnt give me any answer at least tell me how my father is I would suicide, and she laughed at me and said, Go, do what you want to do. And so I cut my wrists and my hand, because I couldnt control it anymore. It was too much for me. And the funny thing is, they didnt care. They said, If you keep trying to do this we will send you to the custody too.

My sisters came and they saw lots of blood coming out of my body and they called Wilson.

When my father heard that I cut myself, he did his own protest. He sat in the wheelchair and he didnt eat, he didnt move, he didnt drink anything.

Im still feeling that Im not a human

After this, things happened to my father too. When he first went to Darwin he was in the family camp. He was a single male but he was in the family camp. I had a friend over there in the family camp who was looking after him. I was little bit OK because I knew my friend was helping, but after my fathers protest they sent him to the single camp. In the single camp he was totally alone. There was nobody to help him. When I heard this I tried to talk to immigration about it and tell them that this was not fair, what theyre doing to my father, that my father needs someone to help him. But they didnt answer me, they just forgot about it.

Children play near a fence at Naurus Australian-run detention centre.

After two months they sent my father back here, to Nauru. He was still the same. In that time they didnt do any medical checks for him. He was just wasting his time over there. My case manager came and said, Your father is back in Nauru. I was so shocked and a little bit happy too because I thought that maybe hes OK. I went to OPC1 with my sisters to see him. I was sitting there with my sisters, talking with them, and suddenly one of the cultural advisors came his name was Darryl and he told me, Your father has to go back to the gaol. I asked him, Why? I tried to tell them it was against the rules if someone is not medically well, you dont put them in custody but they didnt care. I said, If you want to take my father you have to take me too because I need to look after him.

My father was in custody for three days and they just let me be with him only for one night. After that we went to OPC1. We were there for months. They kept sending my father to court for what had happened, just for a simple argument. We just kept going to the court, every day, and at the end of it they found that my father was not guilty and they sent us back to OPC3.

For now I dont have any plan for my future because I am still feeling that I am captured. Im still feeling that Im not a human. Im still thinking about whats happened in the past. I cant think about what I am now, and what Ill do in the future.

I just need to get my freedom first, then Ill try to find my way somehow.

Nearly two years later, in October 2016, Benjamin continued his story.

We have beautiful dreams, but everything has been ruined

Im still here.

I came here when I was 18 and now Im nearly 22 years old. I wasted all of the best time in my entire life, the time that I was about to make my future happen, the time that I promised myself I would study hard and become the best. But I couldnt, because of the Australian government.

Five months ago, my neighbour, his name was Omid, he burnt himself right in front of my eyes. We have beautiful dreams, we have beautiful futures, but everything has been ruined. We are all exhausted.

That day, my neighbour Omid, he burned himself in front of me and I still cannot forget it. Omid was a good person. I still feel unhappy, I still feel stressed about him. I still punish myself, Why didnt I make him stop? But I didnt know that he was gonna do it, and he did it in front of me. He burned himself. I tried to go and put the fire out on his body, but I couldnt do it and he died. And I still punish myself because I think that if I was a bit smarter I could have saved him.

Omid Masoumali, a 23-year-old Iranian refugee who set himself alight in protest outside a refugee compound on Nauru. He died in a Brisbane hospital on 29 March 2016.

When the UNHCR people came to our settlement to talk to refugees, Omid and his wife were the first ones they met.

I dont know what happened but I just saw that Omid and his wife went to their house and after like five to 10 minutes Omid came back and he was soaked in petrol and he was shouting, Im tired and we are all tired and I cannot take it anymore.

He was actually complaining to the government of Australia.

Its enough. Whatever we have suffered in all these years, it is enough, for we are innocent people. Were not terrorists. We are innocent people and we were just seeking freedom.

And then he just turned the lighter on and set himself on fire. I ran to him and tried to put him out with blankets but I … he was still conscious when we took him to hospital. He was there, he was having so much pain. The hospital here is a very, very bad hospital. When this kind of incident happens, the Australian government asks for an ambulance aeroplane to come to Nauru immediately, but for Omid it took like 12 hours or more than that. He was suffering from the pain and no one could help him. The ambulance came late and he died. After he got back to Australia, the Australian government didnt even pay for the body to be transferred to Iran. Omids family paid for that.

He burned himself to show it around the world, to big countries, that there is no hope, there is no happiness, there is no life here.

Refugees and asylum seekers on Nauru protest their indefinite detention by the Australian government.

This is not a place that I can live

The payments that we receive from the Australian government are very low. We get just $200 each per fortnight which is not enough for all of us, you know. Living here is very expensive. The food and everything is all imported from Australia. You have to spend all your money just buying your food.

We are still having stress about water. When we were in the camp we were having problems with showering we only had a right to shower for three minutes and now we are outside we still have those problems. Just today they told us that theres a shortage of water so you have to be careful with it. We were protesting and they sent me to court for unlawful assembly, which I dont understand. I should have a right to make a peaceful protest so I can tell the world that this is not a place that I can live. We are desperately seeking other powerful countries to help us and release us from this inhuman policy. This is the most painful part of my story when you realise no one cares.

I wanted to study. I put myself into danger coming to Australia. My main requirement was having freedom freedom of speech, a society where people respect human rights. My plan was to study hard. I had finished my diploma of pure maths and physics, but I wanted to study more … maybe civil engineering or electrical engineering. But with all these punishments in these three years I became so lazy I cannot even read a book right now.

I always try to forget the bad incidents that happened to me before, so I just go to the gym. Try to lose some energy so I can relax. Its not a very good gym, but at least it is something. This is the best vocation you can have: going to the gym and coming back home.

I always try to be charming

My dad is much better … he is physically good now. But mentally hes worse than before. Most of the time he is at home and not doing anything, because there is nothing to do. He feels guilty because he is thinking, I have ruined my childrens future.

There is a very, very cold relationship in every family here. I mean, you get frustrated very quickly. You cannot talk fairly and make good decisions, because your mind has been punished a lot. Our life is like this, you know? We are unhappy so everything goes in a bad way. For example, I always try to keep my family motivated. I always say, like, Im 100% sure that in 2017 we are gonna get out of this island. I always say this. Every month Ill say that next month there will be good news from the immigration department of Australia. I always try to motivate them, but they always say, No, its an illusion.

Ill try to do something, but it always turns out that I make it worse because I have hope. They say, No, you lied to us. My sisters always say, You lied to us last year. You told us that we were gonna go out of here in 2015, but we are still here and its 2016. These kinds of things.

The Australian immigration minister, Peter Dutton. Photograph: Mick Tsikas/AAP

We talk about immigration, we talk about whats gonna happen, we read all the media. We try to make our own observations from there. It always turns out that we discuss it for two hours and we finish in a very unhappy mood. I have to say, we have those conversations every day. [Laughs.]

Sometimes time goes very quickly, but sometimes, it really kills you. Like when we reach the end of the year, because we expect something magical, like at Christmas … that Santa brings a gift. We wait to see if maybe Mr Peter Dutton will announce something that we have wanted to hear for all these years. But it never happens. [Laughs.]

I usually dont show my pain or my frustration to my family. I try to keep it to myself. Whenever I go inside our room, I always try to be charming. This is what I do, I always try to keep the energy up, because I dont like to upset them. I am upset, but I never show it.

If I want to be honest, the only thing that I enjoy is going to gym and coming back home. But my family doesnt enjoy that. My sisters want to go to a decent shopping mall, buy some good food, buy some good clothes. Or maybe they want to go to a cinema, or a zoo. But the only entertainment that we have here is just drinking alcohol. Forget whats happening and just get drunk for a night.

I have good friends here, even Nauruan friends. The Nauruans I hang out with, they really understand our situation and most of them have been studying in Fiji and Australia. They are qualified people and they respect humanity. When you hang out with them, you enjoy it, because they dont get insulted if you say something about the governments of Nauru or Australia. These two governments have created all these traumas. The people are innocent, you know?

The problem with my refugee friends is we cant really tolerate each other anymore. I mean, we live here without excitement. We see each other every day, talk about the same old things. We get tired of each other. Im not saying this in a bad way, but this is a human being you feel discouraged. Seriously, we dont have anything to say to each other anymore! We know everything, whatever happened from when hes born until now. Its like time has been stopped.

Photographs of Australian-run asylum seeker detention facilities on Nauru. Photograph: Google / Remi Chauvin

It will be like Im reborn

My situation has changed. Ive learned how to be strong and keep myself motivated, so Im not doing any self-harming and suicide. Sometimes the Australian government makes me worse. For example, when Peter Dutton says refugees are uneducated, or Scott Morrison says we need to live here forever so Australias borders are safe and sound. I just try to heal my pain so I dont get really out of control. I have learned that even if I … did something crazy to myself, nothing will change. I just have to make myself healthy, so if I get out of here I could try to show the Australian government that Im not a bad person, Im actually a very useful person, and a very successful person. And Im surely gonna do that.

I have read books about what successful people have done in their lives. For example, Mahatma Gandhi, Barack Obama, and also, Larry Page, founder of Google, and all of those people. So many people I cannot count them [laughing]. Ive read their books, Ive learned from them with all the struggles they had, they could still manage their lives and become successful.

The cover of They Cannot Take the Sky Stories from Detention.

Im sure that one day Im going to get out of here and reach my main goal, which is freedom. Yeah, I imagine I will enter a country where there are more opportunities, so I can improve myself, I can improve my education. I will start my new life it will be like Im reborn. Itll be a very big event. Im sure its going to happen and it will be soon. It will be very soon.

Benjamin is still living in Nauru. He told his story to journalist Karl Mathiesen in December 2014 and Michael Green in October 2016. Mathiesen had travelled to Nauru posing as a snorkelling enthusiast and covertly spoke to refugees who had been released into the community. Additional editing by Angelica Neville and Andr Dao.

This is an edited extract from the book They Cannot Take the Sky Stories from Detention, edited by Michael Green, Andr Dao, Angelica Neville, Dana Affleck and Sienna Merope, and published by Allen & Unwin.