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walduissymavelleyq94insuran-blog · 5 years

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How can I fight to get more money out of my car insurance company?

We bought a 2011 Lancer on Dec 8th 2010. On Dec 27th 2010, we slid off the road in a blizzard, but the car was not damaged AT ALL. The car was parked and only had our pets and christmas gifts from the holidays. An idiot speeding in a snow storm made a b-line into our car. Both ours and their insurance determined the car totaled and the other driver was found at fault by his insurance company. We did have GAP coverage (which will NEVER happen again). The car was 19 days owned and we believe we should get MSRP for our car. Does anyone know if this is reasonable? I think we pay so much every month and therefore are entitled to be in the same position financially as we were before the accident. (Also, we had stuff: a rifle ,I might suggest that you try this web page where you can compare quotes from different companies:

BEST ANSWER: Try this site where you can compare free quotes :cheap-insure.info

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mikemortgage · 6 years

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How you draw down your retirement savings could save you thousands — this program proves it

One of the key challenges retirees face when they shift from “wealth-accumulation mode” to “drawdown mode” is in the timing and optimization of multiple income sources.

These may include employer and government pensions, registered and non-registered investment income, annuities, any continuing earned income or business income, rental income and many more.

There may be as many as 26 distinct sources of income a retired couple may encounter, estimates Ian Moyer, a 40-year veteran of the financial industry. And it’s not as simple as merely maximizing each stream of income because tax brackets, clawbacks of government benefits and other considerations all interact in complex ways.

Ain’t no party like an OAS party: Retirement guru Jonathan Chevreau on turning 65

Solo retirement is on the rise — here’s how you can mitigate the risks

Can you trust your retirement savings to a robot?

Moyer is, like myself, aged 65 and gradually dialling down on the financial services business he created: Ian C. Moyer Insurance Agency Inc., based in Ingersoll, Ont.

When he started to plan for his own decumulation adventure, five years ago, he felt there was very little planning software out there that was both comprehensive and easy to use. So, he hired a computer programmer and created his own package, now called Cascades.

Available to financial advisers for $1,000 a year (do-it-yourself investors can negotiate a price directly), I recently put Cascades through its paces for my wife and me. A few weeks earlier, I had done the same with Better Money Choices, a do-it-yourself program being developed by Doug Dahmer, the Burlington, Ont.-based founder of Retirement Navigator.

The first problem Cascades tackles is a common one: Is it more tax-effective if you draw down first on non-registered income sources, registered ones, or both? Or even tax-free sources like TFSAs? Like Dahmer, Moyer agrees the TFSA is generally the last mode the average retiree will want to tap. It’s there for estate planning, emergencies or perhaps long-term care at the end of life, Moyer said in a recent interview.

In our family’s case, in the first run the software took our inputs and concluded our ultimate estate would be a few hundred thousand larger if we drew first on non-registered funds, then registered, and finally TFSA. Non-registered first, it told us, defers the income taxes payable on registered investments, a strategy many retirees (and some advisers) intuitively feel makes sense.

However, Cascades permitted us to tweak our existing plan to maximize CPP by delaying receipt of benefits till 70. However, we would take Old Age Security (OAS) as soon as it is on offer at 65.

In the absence of both full-time employment income and CPP benefits between 65 and 71, we planned to bridge the gap by drawing down on our RRSPs (or creating early RRIFs in parallel) once we no longer occupied the top tax brackets. That, after all, has always been the purpose of RRSPs: get a tax deduction while you’re making top dollar, and withdraw from it in old age when you are in a lower bracket.

Cascades generates a comprehensive projection to age 102 that shows year by year exactly what your sources of income will be, any tax consequences and/or benefit clawbacks, and generally illustrates all the complex aspects of decumulation. You’ll be left thinking that by comparison, wealth accumulation was a relative snap!

I found you could enter the inputs in half an hour, assuming your data (including perhaps investment balances and your last tax return) are at hand. Moyer’s team create the results the next day, much of it automatically generated by the software, although some human mediation may be necessary.

The first inputs are naturally names and birth dates, with life expectancies obtained from the Society of Actuaries Annuity 2000 Basic Table. Income and savings are reported in “today’s dollars” by taking a present value at 2 per cent annual inflation, which is applied to CPP, OAS, pensions if applicable, tax bracket thresholds and tax credit amounts and others.

The program shows income snapshots at various ages, with precise estimates of OAS, CPP, DB pensions, registered and non-registered savings, business dividends and annuities and other income. It shows disposable income and taxes payable, and finally a net worth statement.

An investment summary shows graphically how non-registered savings slowly decline, how registered funds keep climbing till 2026 or so, and are exhausted around 2048. At that point, the non-registered and TFSA amounts are about equal: all the time the first two sources are falling, the TFSA keeps rising because it is, as Dahmer has dubbed it, the “never never” fund. Naturally, Cascades recommends shifting as much taxable savings to a TFSA as new room is generated with each passing year.

It’s fascinating to compare year-by-year outputs for both spouses. In our early years of retirement, my modest employer pensions are split with my wife for tax purposes, as she lacks such a pension. However, her RRSP and ultimately RRIF will be larger by a commensurate amount, and at some point, the program ceases splitting my employer pensions with her and begins to split her RRIF income with me. Some years there are modest OAS clawbacks, some not.

Projected rates of return vary from a Conservative 4 per cent (based on 70 per cent fixed income to 30 per cent equity), to a Moderate 5 per cent (60/40 asset allocation), 6 per cent Growth (40/60) and 7 per cent Aggressive (30/70). Asset allocation will affect tax rates for non-registered portfolios.

The program makes several recommendations. One was to manage sequence-of-returns risk using annuities or segregated funds; another is reducing taking registered income to avoid OAS clawbacks. It also calculates annual RRIF payments starting at age 72. The latter assume a 5 per cent rate of return and are projected to reach zero in our mid 90s. Both of these are in the OAS clawback zone, which reinforced my original notion of drawing down early on RRSPs in the second half of our 60s.

Throughout, the emphasis is on finding the “winning strategy,” defined as providing clients the highest estate value, net of taxes and fees, at the expected life expectancy.

All in all, a valuable tool, and one that if deployed while still contemplating imminent retirement or semi-retirement could well influence the timing of several key decisions. Dahmer says he’s pleased that others are waking up to the need for tax planning in the drawdown years: “Cascades provides a very good, easy-to-use introduction to these concepts.”

Jonathan Chevreau is founder of the Financial Independence Hub, author of Findependence Day and co-author of Victory Lap Retirement. He can be reached at [email protected]

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unlikelydreamlandcreation-blog · 6 years

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What is the basic kind of insurance required by California Law?

"What is the basic kind of insurance required by California Law?

What kind of insurance covers something like another driver hitting your car door, and then driving off before you could get their license plate # what is comprehensive , and what is collision, ?

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

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Hi, this is probably going to sound stupid but just out of curiousity how much would car insurance be for an 18 yr old female driving an Nissan primera ( saloon) As a first car? Or any car for that matter? It's manual transmission, I have no clue about car insurance! As you probably can tell so how much would it cost on average?? Thanks!""

Any car insurance which insurances foreign cars?

Hi! I live in Italy and I am italian. I heard that there are some english insurance which insurance cars and people in foreign country. Is it real? do you know anything about that? Could you give me some advice about that? I am waiting your answers! Bye!

Dental Insurance Question - The Real Scoop?

While I am employed, I work at home for a company in another state, and the dental insurance options through my company were not viable. So, of course, I relied on the internet to research my options, and I looked, specifically, for dental insurance Lo and Behold, the stuff that came up, was for Dental Discount Plans. Upon first glance, it seemed like this could actually have been a better deal then anything offered through my firm. The conversation on the websites touted these plans, often with premiums of $7 to $20 per month, to be better than conventional dental insurance in every imaginable way. No issues in applying, no maximums, no deductibles, and no waiting. So, I am sitting here, reading how in EVERY possible way this is better than insurance, and it strikes me. If something seems to good to be true, maybe it is. If these were so much better than conventional insurance, why did my firm have so much trouble finding affordable insurance; they should have simply joined one of these discount programs. Well, the site even attached me to an independent article which BASHED the conventional insurance...Then it struck me...If I was a dentist, would I be happy joining these discount plans and basically getting 50% to 75% less for my services. Yeah Yeah, I am getting my payment up front and not waiting for the insurance to pay me (again, playing the role of the dentist), but is that worth the tremendously discounted amount (does not make sense when you compare the time value of money). So, I realized that if I were a dentist, I would not want anything to do with these plans...Or would I? Does being a part of these discount programs really bring in enough clients to justify that deep a cut in the fee schedule. Then I started to think...Is it possible that there is something up with these deeply discounted fee schedules I keep seeing on these sites? Are the fees just being jacked up and then discounted back down to the point where I might as well not be a member of the Discount Program, and just a regular walk in? Can I go to a dentist and ask them for the fee schedule, and then after the fact, compare it to the discount program to see that I am really getting a discount, and it is not some number playing farce. I would want to know as a dentist whether these discount programs are worth anything. I need some kind of coverage, and for the few self insurance programs I see, the monthly premiums are incredibly high, and yes, when compared to the discount programs, it seems like NO ONE would EVER join these insurance programs since they are more limited and more expensive...Yet....They are still in the insurance business. Will someone please give me the scoop...I need to have an affordable option here, but don't want to be duped into joining one of these discount programs. Thank You""

What is the proper way to repaint a brand new car? Insurance question...?

I recently had my car damaged in one of our Texas storms. It caused about $4000 in damage to the entire left side, hood, and both bumpers, and knocked out two windows. I just got my car back from the insurance suggested body shop and I can still see where many of the rock marks were painted over. There are divets in the paint in a lot of spots, which is better than the metal that was showing before, but not how I want it. My question is, shouldn't they have completely sanded down the areas of the car that needed to be repainted instead of just painting over the paint nicks? The car is a 2006 Mustang that is practically brand new. Maybe I am wrong, but shouldn't the insurance company be fixing the car to the PERFECT condition it was in before it was damaged?""

What is the average deductable on car insurance?

Where can I get cheap insurance from ??

Just passed my test I'm 17 I have bought a 1985 old Nissan micra. I have 3000 where can I get cheap insurance:)

""I totaled my month old car with only liability insurance, do I still HAVE to pay off the car?""

i just got a '01 explorer from a dealer less than a month ago, two days ago i rolled it, now its totaled. i only have LIABILITY insurance, and the insurance company said i have to pay off the rest of the car, which i expected, but when i called the dealer she said she might be able to count the car as a total loss, and get me in another car from them, without paying for the old one anymore. she is going to let me know in a couple days if they can. is this possible to just somehow avoid all the payments on the old car and start over new? are they scared i would end up not paying them for a car i dont have, so they somehow write it off and start a new payment plan on a whole new car? Will they try to get me in a new car and pile on my old car payments with new ones? when they call back should i act like i wont pay on that car to persuade them to write that totaled car off ? i dont know what to do, i cant afford two car payments and now im carless bumming rides which i cant do for long. The reason i am asking before the lady gets back to me is: its a dealer, and im pretty inexperienced with this, and i just want to know how this all works so i know how to talk to and possibly negotiate with the dealer before i end up missing (or screwing up) an opportunity before its too late""

Insurance.?

i need to know all the types of property insurance, with descriptions. please help:]""

Switching car insurance...?

my car insurance policy expires in March and I have full coverage. I had full coverage because I was financing my car. I recently paid it off and would like to switch to a lesser coverage. Can i do this before my policy expires in march or do i have to wait??

How much would car insurance cost on a camaro or corvette?

I'm more than likely getting a jeep but I would like to know my options. I looked at the 1975 corvette and the 1971 camaro and I wanted to how much insurance would be. I turned sixteen just today and I don't need an exact price but I would like to know about what it would be so I can consider all my options. Thanks guys.

Car Insurance Problem!?

Hey all heres my problem. I go in the navy in 4 weeks and my car insurance does'nt run out until april 2009. While im at base i wont be using my car until maybe feb 2009. Is there anyway i can cancel due to the fact that i wont be using my car. I don't want to be paying 121 a month when im not using my car at all for a while. Much help appreciated, mark!""

What car insurance company has the best rates and prices?

i just bought a car and dont know which insurance company to choose

About how much is insurance gonna cost for a 15 year old who just got his license?

how much will insurance be if im a 15 yeaar old guy who just got his license and im driving a 1995 acura integra, can anyone give me an estimate on how much it will be a month""

What raises car insurance premiums?

I accidently dented my roomies car with a scratch as well. I was told by a good friend since the car was parked if she took out a claim on it and she didn't list anyone who's at fault (in other words she doesn't know) that her insurance would pay for it. First is that true and if so, would that raise her rates? She told me it would raise her rates. Also she said all it needed was to be buffed, how much do those usually cost? She has a 2007 or 08 Saturn VUE. Because if the buff isn't that much it might not be worth it to challenge her. But there is a possibility the damage might be more then a buff can handle.""

Will my insurance rise if the accident was not my fault?

i was involved in a minor car accident which took place at a drive thru and the car in front of me reversed his car, and at the speed he had applied to the gas pedal was enough impact to smash my entire hood in and damage my front bumper. I filed a claim with my insurance as soon as I got home. The following morning the insurance company of the OTHER driver contacted me and verified that he will take full responsibility therefore my repairments will be covered by his insurance. Ive been reading online relating to my question, but in my case, will my insurance rate go up? This is also my very first accident and I've been ensured for 1 year since I've been driving.""

How much home insurance should I get?

I just bought a house for about $180,000. I am looking for homeowners' insurance, but I am confused as to how much I should get. Should I insure for just the replacement cost of rebuilding the structure, or for the % of the mortgage I am financing. I got 3 different quotes, and they were for $396, $502, and $858. The lowest one was for $396 b/c it was with my car insurance company, but they will only insure the cost of rebuilding the structure, which they estimate as $110,000 (the house is small and in a decent neighborhood.) The second company wanted to insure me for that, but I got them to quote me on $140,000. That amount, when you add in the 25% overflow they allow you, meets the 90% of the mortgage amount I am financing. The 1st company would not do that for me. The 3rd quote was for $140,000, and was with the people w/whom I have had renter's insurance for 12 years. The only difference was that there was not a wind damage deductible of 2% on the 3rd quote. My loan officer says to just get enough insurance to rebuild the structure. How much insurance should I get?""

What is the best motorcycle insurance for military personnel?

i am joining the military and i was wondering what insurance company offers the best rates for motorcycle insurance for a 19 year old male?

How much auto insurance do I need?

How much auto insurance should I get for a 1999 Ford Escort that is already paid for. I have insurance now but it is 660 dollars a year and that sounds like way too much for an 11-year-old car.

Can I sue my husband's car insurance company?

Me and my husband have been split up for a little while, we are not divorced nor have we filed.We decided to go on a small vacation to TN together with our children,to see if we can work thing's out. While there we had a bad car accident to were we were hanging on the side of a cliff in the mountain's by a tree with our 2 daughter's in the car as well. The car was totaled out by the insurance company, I didn't go to the hospital as nothing was seriously wrong at the time but now I have bruising and painful bruising. Can I sue my husband's car insurance company? I live in Kentucky for refernce to the different state laws""

Looking for some dental insurance in California. Any suggestions?

I'm right now looking for some dental insurance in California, but after looking for a while, I'm getting quite confused. My aim is to get an affordable plan that covers things like root canals, cleanings, x-rays. Adult braces and braces are of a lower priority right now. Does anyone have any suggestions for an affordable plan? My current location in in the Bay Area.""

Impounded Car Insurance Payment Method.?

Hi Everybody, Just asking everyone if any one ever paid for the insurance for an impounded car by police? What happened is my car got stopped over by police and towed away by their recovery van. Now i am getting an insurance to get it back ( Long story short , the car i was driving was without insurance as i had not received letter of my insurance cancellation and i was under the impression that i had insurance ) I have searched and able to get a quote from two well know car insurance companies ( One of them is impoundedcarinsurance.com and other is seizedcarinsurance.co.uk ) and both companies are asking for DIRECT TRANSFER OF MONEY IN THEIR BANK ACCOUNT as they dont accept Credit Cards and Debit cards for the payment. Has any one paid by this method ever ? Is it secure ? Am i being suspicious wrongly or there is some thing fishy in it ? Many thanks in Advance !""

""Receiving life insurance prodeeds, and my chapter 7 bankruptcy?

Can the trustee take my money that I will be receiveing from my moms life insurance policy?

Which insurance company is better.. AllState or MetLife?

My husband and I want to get a 20-year term life insurance next week and will meet with some reps./brokers. Down the road we will probably add auto and home insurance. If you are a customer of either company do you recommend them in regards to their required premiums and quality of service? Your imput is greatly appreciated. Thanks.

Would having a baby affect you car insurance rate?

I just had a baby 3 months ago and I was jw if it would affect my rate if i told the company.

What is the basic kind of insurance required by California Law?

What kind of insurance covers something like another driver hitting your car door, and then driving off before you could get their license plate # what is comprehensive , and what is collision, ?

Would my car insurance rates go up if I switch?

I'm insured with geico but I've found a better deal with esurance. I can't afford to pay both. I want to cancel with geico and start over with esurance before the geico policy cancels. If I did this would esurance charge me a higher rate? I know it will effect my credit negatively.

Cheapest car insurance in san antonio?

Where to go to find a house/car insurance quotas!?

I have a project for my economics class, we have to make a family of four budget for a month and we have to like buy a house, a car, food, and lots of other things But with this we have to go into detail and we have to find out the Homeowner/Renter Insurance and Automobile Insurance but I really have NO clue where to go to find this. Is there any website that just gives you the direct quota of how much it will cost you a month? Help me out anyone?""

How much is car insurance for a teen?

I'm 16,I have a 2002 Camaro SS,I live in Las Vegas,Nevada.(don't stalk me lol).My dad has Geico insurance.What else do you need to know?""

Question about college health insurance?

If my current health insurance is expiring this end of December, am I able to opt-out of the university health insurance for this fall and reapply for the university health insurance for the spring term--just to save money?""

Is there a car insurance company which specialises in please answer?

stupid question at this moment in time i think with car insurance company's not insuring young drivers but is there a company which specialises in insuring young drivers on nice cars or just specialises in insuring nice cars thanks ??

Who has the cheapest car insurance?

Car insurance for 17 year old male?

hi how much would cost a car insurance for 17 year old male? with engine 1.4 or 1.6 for example volksvagen golf or honda civic? is it worth to wait a year until im 18 will cost of the insurance descrease much?

Best car to insure for a provisional driver?

I want to change my car, but the next car will have my son as a provisional driver. I have been driving for 20years, am female, and have not made any claims. Live in the uk. I have tried the insurance comparison sites, but you need to put a make and model in. Would like to know what others have found to be the cheapest. I would prefer an mpv, or crossover, but am open to suggestions. Many nanks""

Grace period between car purchase and insurance purchase?

In NYC is there a grace period between the time that you purchase a vehicle and the time that you purchase insurance? I'll probably be making the purchase next weekend and hopefully my insurance within that same following week. I heard before (I believe I heard it on Cops) that you had 30 days to purchase insurance so long as you kept the purchase receipt for the vehicle in the vehicle, and when you get pulled over (if), you would hand the officer the purchase receipt as a temp insurance and say that you are actively seeking an insurer. Is this true? I'm 20 years old and purchasing my first car (yes you can say hello to my $6000 a year insurance quotes)...so I don't really have much experience in the area. Any info would be awesome - thank you! Also, what exactly is the process? To my understanding it goes like this: 1) Purchase vehicle 2) Purchase insurance 3) Register the vehicle Is this correct?""

""Which company offers the cheapest auto insurance in Snohomish County, WA?""

It's my first time having to get car insurance - I know there are a lot of factors, but I'm just looking for a general answer - not just Geico, Allstate, State Farm, etc..... Thank you :)""

How much will insurance cost on a 1973 Dodge Challenger?

I am looking to buy one and its going to be under my parents name so I was just wondering if anyone can give me an estimate. Thanks!

ChEAPEST CAR INSURER FOR?

I want to get either a reno clio 2001 or an old mini. i know the mini is likely to be cheapest. I'm a 17year old male. Which company would give me the cheapest car insurance? DON'T TELL ME TO GO TO GOCOMPARE.COM TRIED THIS ALREADY, AND ON VARIOUS OTHER COMPARISON SITES. Thanks""

If i get a toad alarm for my car will it make my insurance cheaper?

Car insurance In connecticut?

Im 18 and i just got my license about a month ago. I was talking to my dad about getting a car. and he said he was gonna give me my moms car which has new york plates on it for me to drive ( we use to live in ny and the plates are from there) and hes getting my mom a new car. i was talking to him about insurance and he said that i would be driving on his name. Hes not adding me to the insurance though cause he says its to much money. He told me that all i have to do is drive careful and not get into a accident.im still worried though cause an accident can happen regardless if Im careful or not. is this Legal ? to not be added to my dads insurance?

V6 mustang and v8 mustang insurance?

how much more would a v8 mustang insurance be than a v6? im 17

Could somebody give me what they pay on average for insurance on a 2001 ford explorer sport?

i am looking to buy a 2001 ford explorer sport and was wondering if someboy wouldnt mind telling me their average yearly insurance payments?

Motorcycle insurance ?

I'm 17 now im ganna be 18 in a year i i like 2 plan ahead i live in Florida and i want 2 get a 2008 ninja 250r and i want 2 know how much the average payment a month im running into so yea please and thank u

Car insurance for 2 people in 2 places...?

My father is going to add me to his auto insurance. He lives in the the Bronx, NY and currently I go to school in upstate New York and is where I will be using the car and I know car insurance is cheaper upstate New York. With that being said is it possible for his part of the insurance to be filed in New York City and my part to be filed through the upstate location? While still having him receive the bill for both... Thanks in advance!""

Car Insurance approximation...?

I would like to know approximately how much it would cost to insure a 2009 Nissan Altima Hybrid, 4 doors, 2.5, 15,000km, I am 59 years of age, live in the Quebec Penninsula Area. One driver only, for leisure purposes""

""No car insurance in Florida, what happens?""

If my husband has car insurance on our car and his father is the one who technically owns it, and i get in a car accident with no car insurance in our car...what happens?""

How much you pay for car insurance if your in early 20's?

I'm a 21 year old college student. Im going on to my junior year and have just gotten a car. I have always gotten a ride with my friends. I got a quote from Farmers Insurance for $2600 for 6 months full coverage is that normal?

What is the point of car insurance?

Im 15, and of course im thinking about getting a drivers license. I feel bad for my parents though, cause they have to pay for the insurance, and its going to be more money than my sisters insurance cause im a guy, and it costs more for some unkown reason. So I thought I would just be a safer driver and just not get insurance. I asked my parents about it and they told me it was illigal NOT to get car insurance. so I said, well, at least if I do get in a car reck, it will be covered and they replied; you have to pay for it anyways. three questions: Why is car insurance illigal to not get? What is the point of car insurance if it doesnt help cover accident costs? And why does gieco and other companies advertise if its illigal not to get it? Thnx so much!""

Can i drive my car with an international licence and provisional insurance?

can i buy a car in the uk and insure it on my provisional licence and drive it with my international licence so i dont need to bring another driver to sit beside me during driving. the reason i'm asking the this Q is because insurance is much cheaper on the provisional licence.

Will auto insurance find out about my ticket?

I got 2 tickets carless driving and 62 in a 40. My truck has insurance in my grandpas name. the cop asked for my insurance but i lied and said i didnt have it so he didnt even see a insurance card. do you think that progressive will find out? they did last time when i got pulled over but i gave the cop insurance

What is the basic kind of insurance required by California Law?

What kind of insurance covers something like another driver hitting your car door, and then driving off before you could get their license plate # what is comprehensive , and what is collision, ?

Car insurance? Geico? encompass?

I just recently signed up for encompass insurance company. Does anyone know anything about them? good / bad? How is Geico? Do you recommend any insurance good car insurance companies? i'm from NJ.

""Where can I find affordable health insurance in the Neosho, MO. area?""

Where can I find affordable health insurance in the Neosho, MO. area?""

Can you get braces free if you have health insurance?

i want braces. can i get them free if i have health insurance

Is insurance needed in WA state?

im 16 and have a r1 and insurance would be hundreds. I never insured my 250 sportbike that i had but dont want insurance for my new one. Is it illigal to drive a motorcycle without insurance?

Where do I find the group number on All kids family healthcare insurance card?

Hello, I'm filling out a student medical form for school, and it asks me for my insurance company's group number. I have All Kids healthcare insurance. Can anyone tell me where is it located?""

What are the top 5-10 cheapest car insurance?

And which one is the cheapest?

""Auto insurance for a person, not a vehicle?""

I need personal insurance for me. It is for a job. It is a courrier job. I was told i needed personal insurance for me to drive any vehicle. It will not be covering any vehicles, just me.""

International student health insurance US?

My college requires insurance. I am already in the US so I won't be able to purchase a plan from insurance provider from my homecountry. Can anyone give some suggestions of affordable and reputable insurance provider that you have used? I did some googling but I would want to confirm that the insurance companies are indeed legit. Thanks!

Car insurance question...?

If you have insurance on a car, is the car covered in a wreck no matter who's driving it?""

""Average car insurance for 17 year old in ON, Canada?""

I'm a 17 year old female, no problems with driving, and with drivers ed course completed and certified. I have good grades going from 70s-90's. I'm looking into getting the new 2012 Ford Fiesta once I get my G2. How much would I pay a year/month for car insurance? Thanks""

Auto insurance quotes?

Car insurance for 17 year olds in the UK?

How could i get a cheap car insurance and what would be the cheapest price? every site i have been on it said about 3000 and that would be more then what the actual car costs.

Car accident with someone who will not respond back to the insurance for verification?

Someone with insurance rear ended me. I took his insurance information and called his insurance the following day to report the accident. The person who rear ended me did not call the insurance and he is not responding to his own insurance who are trying to get ahold of him to confirm the accident. It's been three weeks. His insurance called me yesterday and said that I need to use my own insurance for get my car fixed. I have a note written by the person who rear ended me admitting that he did cause the accident. What legal actions can I take against the person who rear ended me?

How do I register a restored classic car without a VIN?

What my question more specifically is, is- If I restore a 69 Camaro from the ground up, and the vehicle does not have a VIN number and no original parts, how do I register it? How does the DMV determine the year of the car is 1969?""

Where can i find affordable life insurance for my 81 yr old granmother?

I live in Illinois, and I work for the UI, but im not sure if I can add my grandmother on my insurance...So Im trying to find somewhere that will take senior citizens, but something i ...show more""

Reducing Car insurance?!?

Hi, I am just curious because I know someone who does this but situation is a little different. His parents are split up so he has a car at his mother's house (where he would HAVE to be registered as primary driver) but he lives at his father's house so he only pays occasional driver's insurance even though the car is always with him. (both the father and mother have licenses however are not insured under the car in question) I am just asking if it were possible for me to do that with my grandmother for example. If I get a car registered under her name, but since I don't live with her can I pay as an occasional driver? She does not have a license. If it helps I live in Ontario, Canada. Thank you""

Insurance premium after fender bender?

So I was involved in a fender bender in a case where I was at fault. Minor damage to the rear fender of the jeep in front of me, no damage to my car. Question is, if I file an insurance claim how much do you suggest my rates will increase? I am 21 year old male, not one ticket, or accident prior to this case, been driving for 5 yrs.""

Have you ever heard of a Car Insurance doing this?

Have you ever heard of this before: I know a person who has car insurance with Allstate and they claim the following reason for jacking up their prices every 6 months when you pay the bill for the next 6 months. The Reasons from them are: 1-Because since you have allstate and when anyone else that has allstate also in your area has an accident where them and someone else is involved this will make your payment go up. 2-All insurance companies do this also where if anyone not involved in an accident say at home and someone else with the same insurance company as you have, if they have an accident even if your at home when this happens your payments will go up. My Father has had direct for i don't know how long but a long time and every time someone has a wreck that has direct and he is not involved in it he still pays the same amount he did last time before the other direct insurance people have a wreck. Please also provide the name of your insurance company as I want to make a chart of how many people answered and what insurance company they currently have or had. Thank you I'd greatly appreciate the insurance info that's all I would like for the chart not your name.""

What exactly does car insurance cover?

If I left my car out in the rain with the sunroof and stuff open and my car suffered water damage because of it, would I be screwed? Or would the insurance help pay for the damages or just compensate me for a new car?""

How do you find an insurance quote for a car you may get?

I am looking to trade my Car, which is just a Sedan for what would be considered as a sports car. The car is older, but I'm certain the price will go up because of the fact of it being a sports car, I can't find anywhere that will give me a quote on what to expect insurance price wise if I were to complete the trade. Does anyone know of a place to find this out? I am trading a 2003 Ford Taurus SES for a 1997 Mitsubishi Spyder Eclipse GST Convertible""

Car insurance - will it change from CA to NJ rate?

my car has a california license plate and i have a illinois driving license..i just wanted to change my illinois license to NJ driving license... will this affect my car insurance.or will it affect only if i get my license plate changed from CA TO NJ

Is it legal to keep a check from my health insurance company that they expect me to pay the doctor with?

We are having a really difficult time financially. My husband gets a very large bonus in December and we will be back on track and then some. So here's my question. I recently ...show more

Should I purchase car insurance?

I'm buying a car on Saturday and want to arrive with proof of insurance so I can drive the car off the lot ASAP. I was given a quote for a vehicle I won't be getting. The year will be the same year though. I'm also not sure about plates and registration.

Could anyone recommend a decent car insurer for a 17yr old female in the UK???

I am looking for cheap car insurance, the cheapest I have found is 860 fully comp for a Fiat Punto. I would like to find cheaper, could anyone recommed an insurer??? Thanks, Jay""

Best insurance lawyer in southern california?

i had my car stolen and the insurance company is trying to screw me so i need a good lawyer to help me fight back.

What is the basic kind of insurance required by California Law?

What kind of insurance covers something like another driver hitting your car door, and then driving off before you could get their license plate # what is comprehensive , and what is collision, ?

Trying to get free motorcycle insurance quote from progressive?

Its asking me this though: What date would you like your Progressive policy to start? Im confused. I just want a free quote, i dont want to actually sign up for insurance""

Do you need car insurance to put a car under your name?

I have an used car, to switch the car to your name, and register it, do you need to have insurance?""

Health insurance for geriatrics.?

My mom is going to be 64 years old in December and has being diagnosed with high blood pressure. She doesn't qualify for medicaid yet; which insurance company should I contact in Florida, so she can get an individual health insurance?""

Computer experts: tips on how to insure the longevity of ones computer?

System Properties: Microsoft Windows XP Home Edition Version 2002 Service Pack 2 Dell Dimension DEO51 Intel(R) Celeron(R) CPU 2.53GHz 2.53 GHz. 768 MB of RAM AT&T Yahoo service provider - MODEM Speedstream 4100 My Comp. Tech told me he had tripled the memory; so the above specs. may not be accurate with regard to this. When not in use, I always put it on Stand By . Disk Fragmenter: when should I, and should not, utilize this? I'm 74 yrs. old, and had never even touched a computer til I retired; and have no formal education in computer operations. So please delineate your responses in layman's terms. Any recommendations so as to insure my computer's longevity would be greatly appreciated. Thank you, Alberich""

Where can I find affordable health insurance?

It is for me, not a family""

Affordable car insurance for HORRIBLE driving records?

I am looking for affordable car insurance for a poor driving record. I have never gotten a DUI or anything like that but I have been caught driving without insurance a couple times. I also have had speeding tickets and my license suspended before. Now that I am older, I obviously see the consequences. I am currently insured by Gieco but it is over $450 a month! I am willing to pay up to $200 since I know my driving record is not pretty. Does ANYONE have any suggestions and WHY?""

Why is my car insurance expensive as the year go by?

i got the car in 2009, each year the car insurance keep rising by price.. it was 400, then 600, now its 800... but as the year go by the car is getting older, so why is an older car insurance more expensive? does this have anything to do with the fact that my car has leather seats?""

Will car towing service affect my future insurance quote?

I had my insurance company tow my car today(roadside assistance), will the towing service increase my future insurance quote? Thanks.""

Will my insurance go up when i get my own car?

i'm on my grandpa's insurance which makes my insurance 27 dollars a month but i do not have my own car. when i get my own car will the insurance go up and if so, how much will it go up?""

Do insurance rates go up if you put a turbo kit on a car?

does the insurance company need to know

""Cheap car insurance for a 17 year old, impossible?""

I need insurance for a job & i can't afford insurance.. So expensive atm, last year was about 1700 now its 4000 for 1L? What they playing at, anyone insured anyone recently with cheap car insurance at 17, i don't want to know why it is expensive thanks!""

Need to get proof of no claims car insurance from years ago?

I have been out of the country for some time, prior to this I had a few years no claims on my car insurance, can I get prrof of this somehow now I am back to help reduce my insurance costs?""

Will insurance points carry over to another company?

I have 9 insurance points. My mom is wondering if she signs me onto her policy, will the rates go up dramatically, or will they still be reasonable?""

What is the cheapest/best insurance for a 24yr old student/ stay at home mom?

My 3month old is covered under medicaid, but I need help finding an affordable insurance for myself. My fiance is covered by his work for free, but it would be $200 a check for him to add me and we cannot afford that at this time.""

Medicaid insurance with another insurance?

I was wondering what the qualifications are for Medicaid. Specifically, I have UBH insurance...since I have insurance already, would I still qualify for Medicaid? I am 19 years old and live on my own now.""

Is there anyway to get decent homeowners insurance at a cheap price?

My husband and are in the process of purchasing a small home. We are seniors living on a fixed income and have to watch every penny. We have two weeks to find the homeowners insurance and they all seem to be so high in price. Does anyone have any ideas how we find an affordable homeowners insurance?

Health insurance for college student?

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I'm planning on taking my driving test during summer, and hopefully if I pass I want to buy a car. My mums made enquiries about putting me under her car insurance and roughly the prices have been between 3,000-4,000 which is ridiculous. Does anyone recommend/know any car insurance companies where I can get insurance for around 1,500 max ?""

How much do you pay for car insurance?

I know that you cant tell me exactly how much car insurance would cost for me so I am asking how much you pay for car insurance? If you are around 18 years old and drive and older car and have good grades how much do you pay per month for car insurance?

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What type of car is cheapest to insure?

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What is the basic kind of insurance required by California Law?

What kind of insurance covers something like another driver hitting your car door, and then driving off before you could get their license plate # what is comprehensive , and what is collision, ?

https://www.linkedin.com/pulse/can-landlord-require-me-carry-renters-insurance-peter-cook/"

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captainalwayslazycollectort-blog · 6 years

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What would happen to the insures if a private insurance company withdraw business from india or got bankrupt?

"What would happen to the insures if a private insurance company withdraw business from india or got bankrupt?

recently i have insured myself under private life insurance co for 35 years. at present i am 32 years. i want to know that supposed after 20/25 years the company got bankrupt or withdraw their business from india. will i get protection for my rest of life.

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

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How much do you pay for your car insurance ?

I have a mini van about 10 years old. I pay $250 every six month I believe ... premium. Covers 1000K Injury, 50K, 25K property damage, and 10K injury.""

Auto insurance for teens?

OK so i will be getting my license in around 2 months. So i have began to look for cars. My parents and i have decided to cut the cost 50/50. But my question is what do i do about insurance? Do i go onto their plan? My dad doesn't want to buy a car yet cause he doesn't want to have to pay for the insurance as soon as we buy the car. I do want to buy the car somewhat soon so that i could practice with it for my driving test. So could someone just explain how we should go about getting insurance? Should we put the car under my parent's plan and will it be very expensive? (I live in NJ btw) Thanks!

""A life insurance company sells a $250,000 1-year term life insurance policy to a 20-year-old female?""

for $200. According to the National Vital Statistics Report. 56(9), the probability that the female survives the year is 0.999544. Compute and interpret the expected value of this policy to the insurance company - I also have to find the probability that the company has to pay the female Im suppose to get .000456 but don't know how to get this?""

How much does car rental insurance cost?

I am renting an economy car for one day through enterprise. Any idea what the average cost of rental insurance they offer is? I'll be calling them later on. Just wondering ahead of time what I should expect to pay, on average. Thanks""

Help with insurance?

As of Friday I found out I was pregnant. I would like to schedule a doctors appt. ASAP but i dont have health insurance. Which would be the best and quickest insurance that I can apply for? and is there an insurance that I can apply for online?

Weird health insurance situation?

My hubby had two claims from a sleep study clinic that were marked as Out of network by my insurance. As such, the insurance company cut me a check for the portion of the bill that they are required to pay (instead of paying the clinic directly). I had to cash them immediately or else the checks would be void. Normally, we get a bill from the clinic with our total bill (including what the insurance needed to pay) and we then pay what the insurance wrote us a check for in addition to our portion. Now, the clinic has decided to write off what was marked as out of network. So, I have the money and nowhere to pay it. Is it ethical/legal for me to just keep it? It feels really wrong...""

Can you get motorcycle insurance in NY with just a learners permit?

What is the best medical insurance to get that is affordable?

Who pays for the home insurance when you are owner financing it? Also in the state of Texas what insurance c?

Who pays for the home insurance when you are owner financing it? The seller or the buyer? Also in the state of Texas what insurance companies provide mobile home insurance?

How to get Insurance on a permit and without owing a car?

how to get Insurance on a permit and without owing a car and 25 years old in north Carolina

Car Insurance?

I'm going to get my license next month but my parents told me I can't get a car, which I am in terms with. However, they did say I could occasionally borrow their cars when they aren't busy or at work or something like that. Would it be okay if I did this but I don't have the insurance for the cars under my name? Will they still be covered if someone hits me or something? And would this be legal?""

Thinking about buying a house... Homeowners insurance?

How does homeowner's insurance work? Is it part of your monthly mortgage or is it something you pay separately?

Plz recommend good/affordable health insurance for 55+?

Looking for a good health insurance for my parents who are 55+. Is there such a thing as good and affordable??? Thanks!

Question about car insurance?

My husband made a dent in his car when trying to park. He now wants to fix the dent. Can car insurance cover this?

""Worried about getting insurance for a car, when i have bad credit!?""

Is it right that in the UK, some insurance providers can refuse to give you insurance if you have a bad credit rating?? I'm panicing that i wont be able to get insurance when i pass my test!!""

How long do I have to wait till I get cheaper car insurance?

I have saved enough money to buy a used decent car cash. However, because my licence is super new the liability insurence came up to $270.00 and I cannot afford it. They said is because of I'm considered I new driver. So, how long do I have to wait before I get cheaper insurance?""

What would happen to the insures if a private insurance company withdraw business from india or got bankrupt?

https://www.linkedin.com/pulse/do-you-pay-homeowners-insurance-advance-wilson-branch"

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