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Posts tagged Insurance
Can a person be denied for a life insurance just because a of past drug addiction?
Sep 30th
Question by mgaribay74: Can a person be denied for a life insurance just because a of past drug addiction?
2 years ago i was arrested for possesion and use of illegal drugs i did 3 months and jail went into rehab for a year, I have been clean and sober for 2 years and few months, I recently try to get a Life Insurance And I got denied my metlife and 90 others companies according to my broker. the Reason my felony for drug possesion!
I live in California,
Best answer:
Answer by ♥ deonnaashmore ♥
That is pretty typical. Because drug dependency is such a risk, life insurance companies usually like to wait about 7-10 years before offering coverage.
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i need help for a family member with alcoholism and deppression with no insurance in houston tx?
May 4th
Question by Angie: i need help for a family member with alcoholism and deppression with no insurance in houston tx?
We also need to do this as an intervetion. I believe this is the only option left. She has tried rehab on her own several times. She has now lost her job, and has no insurance and very badly needs help. She lives in Houston Texas . Does anyone know of somewhere we can get her the help she so badly needs..
Best answer:
Answer by knicname
Google: AA mtgs in Houston & call intergroup in Houston 1-713-686-6300 to ask for assistance in setting up an intervention.
You can also get brochures & questionaires that help to defeat the “Denial” in Alcoholism.
As for the depression an alcoholism you might try calling a Crisis Intervention Unit affiliated usually with a university hospital. They will come to your home with Psychiatric Nurse, social worker, etc. & work to set up a treatment plan.
My best to you & your family.
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Q&A: Can anyone suggest help for alcoholism for someone with no income and hence no health insurance?
Aug 15th
Question by justlise: Can anyone suggest help for alcoholism for someone with no income and hence no health insurance?
I will not consider a 12-step program.
No AA–have been to hundreds of meetings but have actually found it detrimental. Have gotten sponsors, done all the work, etc. Just find the meetings so depressing and I already suffer from depression and don’t have the money to get help for it.
Best answer:
Answer by crick944
AA
Add your own answer in the comments!
Finding Insurance When You Have Passed Your Test
Jan 5th
After all your Driving Lessons and When you have mastered your reverse park and confident with you turn in your road and have successfully passed your driving test through your Driving School, you will now find yourself with the daunting task of finding Insurance.
Simon Lamble, product director of Confused.com says “Young drivers face a bit of a catch-22 – they’ll struggle to find an insurer that will cover them, and then, when they do, it is very expensive,”. You may often find the insurance you are offered is more than the car you want to drive. This is because when a young drier passes their test insures automatically class them as a high-risk driver, with no thought of how well you did on your test or how many lessons you have had.
Some Insures will not even insure male drivers under 21 and female drives under 19 due to the risk of frequent, expensive claims. Meanwhile the insurers that do insure these sorts of drivers nearly always quote thousands of pounds.
What can you do as a new driver to get the best possible price?
Some UK insurance companies have started a pay as you go scheme, this might be a good option if can’t afford full premiums or people who don’t use their vehicles that often.
Pass Plus is one step you could take to reduce the cost of insurance. “Pass Plus offers you a way to be a safer driver, save money on your car insurance and get the confidence that comes from being truly familiar with all road conditions.”
The biggest factor on saving money on insurance is what car you drive. Insurance companies put all cars into groups to determine the price of the Insurance. To check what group your car is then check the parkers guide website. If you are looking to purchase a car at the moment then you need something that is small and has little power such as a Vauxhall Corsa.
If you are female you already have a huge advantage over males due to statistics showing that young female drivers a less likely to crash than males. If you are going to share a car with your partner then it would save money to put the insurance in the females name and have the male as a named driver. You could also consider adding a parent as a named driver because this often brings your premium down, but could put no claims bonus at risk.
You can also choose how much excess you are willing to pay if you do have an accident, but make sure you know how much the standard excess is. Only volunteer excess if you know you can afford to pay it at any time. On average voluntary excess brings down premium by 10% of the excess, e.g. £500 voluntary excess would save you £50 on your premium. This shows it could cost much more by having the extra excess and not save you much.
Finally do not tell any white lies to make your premium lower as you Insurance will not be valid, therefore there will no point paying for the insurance.
How to Get Your Teenager Low Cost Car Insurance
Jan 5th
Recent numbers on teenage drivers are not good. According to national statistics, 16 year olds get into accidents almost 6 times more often than drivers twice that age. That’s an increase of 600% chance of getting into a car accident. This is the reason why car insurance for teenagers is so high and why it’s difficult to avail of affordable and available car insurance for your teenager. Although it is a normal for insurance companies to view young drivers as high risk, there are ways to cut costs when availing for insurance for young person. Keep in mind that the higher the risk of a traffic incident, the higher the cost of insurance premiums. Here are a few tips on keeping your adolescent driver free from violations and thus qualifying him for affordable discounts and premiums:
1. Set a good example. Do you speed up when you’re in a hurry? Do you scream behind the wheel when you get frustrated while driving? If you’re this driver, expect your kid to drive the same way. Be aware of your own driving with your child on board even before they are eligible to drive. As parents and role models, we can set an example of how to drive responsibly and defensively.
2. Encourage your teenager to get good grades by rewarding them. By having good grades, your teen is much more viable to have lower car insurance. Student drivers with an average GPA of 3.0 or higher will reduce your car insurance by as much as 10 percent. Explain this statistic to your eager teenager and it will motivate them to get good grades as well as instill that responsibility in him or her.
3. Enroll them in driver education courses and traffic school. Discounts are available for first time drivers who have taken recognized driving classes. Contact your car insurance company to be sure which schools are covered before enrolling your youngster. Also encourage your teen to take traffic school. The school often has delinquent drivers, and having your youngster see a day of this will make him think twice about joy riding and will show him the consequences of unsafe driving.
4. Get their support. If you really want your child to have insurance and he insists on driving immediately, sit him or her down and explain the costs and process of giving the kid car insurance. Explain how much it will set back your financial situation and how much it sucks out of the family budget. Treating them like adults will only inspire responsibility and discipline. And once the teenager gets his car, he will be more mature about his driving knowing what his insurance cost his parents and family.
5. Help them learn about driving by teaching them about the laws in driving and how to follow them. The best way to lower can insurance for teenagers is for them to keep their driving record clean. Make safe driving a priority. Parents and teachers should know the traffic rules and laws and insist that their sons and daughters follow them to the letter.
How Auto Insurance Companies Determine Your Premiums
Jan 5th
First, insurance companies get the character profile of the driver. They consider the years of driving experience, age, driving records and others. Then, depending on the profile, they classify driver and put them into groups. These groups could either be teenagers, women, adults, senior citizens, and others.
Each driver type has a ready-fix range of cost. The company determines the cost using statistics. They project an average number of accidents each group may have. Then they compute for the possible and projected damage based on the data of previous records. After they get the projected amount, they distribute it to the number of the policyholders. The result of the computation will determine the possible basic amount of the auto insurance rates.
The important factor in computing for the premiums is the group of the driver and the type of vehicle. These two are the biggest determinants of the cost of the auto insurance. The groups of the drivers can be as follows:
1. High Risk Driver ¨C they are the once who are usually involved in accidents. They have bad driving records and has notorious driving attitude. They usually have the higher risk of getting into accident because of their driving attitude. car insurance companies are allergic to risks so they would compensate their fears by charging you a higher rate.
2. Teenagers ¨C they are the drives ageing 24 and below. They have few driving experience and are more susceptible to accidents. Their insufficient driving experience makes them high-risk. car insurance companies are not assured that teenage drivers will not get into an accident of some kind. Thus, they also charge teenagers higher auto insurance rates.
3. Women ¨C of course, they are women. Women do not usually get into car accidents. Most of the women drive carefully and rarely get into accident. With their characteristics, many insurance companies consider them as low-risk drivers. Thus women pay cheaper rates than men.
4. Senior Citizen ¨C their age are above 60 but less than 70. With their poor eyesight, and slow latency because of ageing, they are capable of driving but they are vulnerable to accidents.
The drivers with higher risk of accident usually get higher insurance cost. Thus, it is important to take good care of your driving records and always drive safely. The logic of car insurance companies is to minimize risks and maximize profits. That is how they thrive. Yet we feel secure having a car insurance because the damage to lives and property can really be expensive and can easily drive anyone to poverty. This is where car insurance companies come in by sometimes even paying more than the total amount of your auto insurance expenses.
What Are Compulsory Insurance Statutes
Jan 5th
With a growing number of cars in the world countries like Canada or the United States and European countries, also experience a growing number of car accidents. Auto insurance became one of the main things that protects the driver from financial losses. Auto insurance is a legal contract between driver and insurance company, that not only provides ongoing protection to the driver, but also can be a constant reminder of the possible dangers on the road. While the driver pays the premium to the company, the company provides coverage in case of an accident. There are three types of coverage available in any insurance: property, liability and medical coverage. Property coverage pays for damage done to your car and in some cases repays the costs in case of theft. Liability coverage pays for your legal responsibility to others for causing bodily injury or property damage during an accident. It is calculated according to the fault of the driver and it is important to remember that in case of an accident the fault can be distributed among two or move drivers involved. Medical coverage pays for the cost of treating injuries after the accident, the process of rehabilitation and in some cases also lost wages and even funeral expenses, for this type of coverage it is important to provide all the checks and bill for medical expenses. As for auto insurance in Canada several Canadian provinces (British Columbia, Saskatchewan, Manitoba and Quebec) provide a public auto insurance system, while the rest of the provinces provide private insurance. The basic auto insurance is mandatory throughout Canada, still the government of each province defines which benefits are included as minimum required auto insurance coverage and which benefits are options available for those seeking additional coverage. The coverage itself is also different from province to province, for example accident benefits coverage is not mandatory in Newfoundland and Labrador.
While on the one side car related laws and regulations are constantly being updated to handle the growing number of accidents, alternative solutions for handling the situation are also being developed and used. In 1994 a study conducted by Jeremy Jackson and Roger Blackman showed that increasing the costs of one accident leads to reduction of the number of accidents. A driver must understand that and accident could not only lead to injuries or casualties, but will also lead to compensations even after the smallest accidents. A modern driver starts to pay for the possible accidents even before he gets behind the wheel, with the means of Compulsory Insurance. Compulsory Insurance is one of the insurance mechanisms that drivers must file proof of insurance and make a payment before they receive their vehicle registration. Compulsory insurance is used for two scenarios. First in case of an accident involving two or more vehicles it covers the damages done to vehicles, irrespective of who’s in responsible for the accident. It also covers the most common damages that can occur from problems like theft, fire or vandalism.
Money Saving Auto Insurance Tips – Part Two
Jan 4th
There are many ways to save money with your auto insurance and it is worth exploring every option out there. Auto insurance is a good place to look for savings because almost every state requires car owners to carry at least a minimum level of auto insurance for each vehicle they own. Auto insurance is required by law so you should take the time to compare auto insurance rates and find the best possible policy for your car insurance needs.
The single best way to save money with auto insurance is to shop around. Compare auto insurance quotes – this advice might sound simple, but it is the simplest way to find the best possible auto insurance rate. Get at least three auto insurance quotes to compare and make certain you are comparing similar policies.
Here are five additional tips for saving money with your auto insurance.
1. Having a good driving record can save you considerable amounts of money with your auto insurance. Almost all auto insurance providers offer safe driver discounts, and often the longer your driving record remains clean the higher discount offered on your car insurance. In addition you can take defensive driving – as long as it’s not because of a ticket – and receive additional safe driving auto insurance discounts.
2. Did you know your credit rating can affect your auto insurance rate? It can be depending on the rules in your state, so work toward maintaining a clean credit rating. Also check with your auto insurance provider to find out just how much your credit score factors into your car insurance rate.
3. Bundling your auto insurance with your home insurance or other types of insurance will almost always provide a discount on your entire insurance package. Even if you find auto insurance from a different provider than your home insurance that is less expensive than a bundled package, make sure you look into the extra benefits you may be offered when buying auto insurance and home insurance from the same insurance provider. Very often you will be offered more than a simple discount when buying all your insurance from one provider.
4. What is your occupation? Did you know if you are employed in certain occupations, such as engineers, educators or scientists, you may be eligible for an auto insurance discount. Check with your car insurance provider to find out if you quality for an occupational discount.
5. If you don’t drive very much, shop around for an insurance provider that offers low-mileage discount programs.
Higher Gas Price, Lower Car Insurance Rate
Jan 4th
A lot of people complain about the increase in the price of gas. But do you know that there is also an advantage to this gas price hike? Higher gas price can actually lower the cost of car insurance.
What is the implication of gas price hike? Because the price of gas is increasing almost regularly, people are looking into alternatives to driving. Why pay for such a high gas price when you can just catch the train and save money?
Public transportation is becoming a more practical option than driving. You can save a lot if you just make use of public transportation. For instance, you will pay only five dollars for a return fare on a train while you will pay more for the gas if you will drive.
Higher Gas Price, Lesser Driving
With the present economic situation of the world, people are doing everything to save on money. If you can save more money catching public transportation, then why still drive? The increase in the price of gas has led to lesser number of people who would want to drive. People are driving less now.
More and more people are driving less because they don’t want to spend too much on gas. They can still go where they want to go without spending too much money on gas.
Car Insurance And Less Driving
The increase in the price of gas may be a downside to a lot of people but there is one good thing that can come up with it. If the price of the gas will continue to rise, more and more people will stop driving. There will be lesser risk on the road; therefore, car insurance rates can be pretty low. Insurance companies will be happier to lower down their insurance rates because there is a lower chance for early claims.
Less driving means less injury. It is not hard to avoid car accidents if there is only a few motorists on the road. This means that the car insurance company will not have to deal with injury payments. There is a lower chance that their clients will be claiming for injury payments.
Higher gas price will help you save money on car insurance rates. There is always at least one good side to everything. With the gas price hike, you can still take advantage of the situation by grabbing a lower car insurance rate.
Save Money on Motorbike Insurance
Jan 4th
It’s veto secret with the purpose of in attendance are almost as many ways to save money on sedan insurance as in attendance are insurance companies, but come again? Many family don’t realize is with the purpose of many of the same money saving tips with the purpose of apply to car insurance are applicable to motorbike insurance as well.
Here are a minute ago a hardly any:
A not as much of expensive bike resources not as much of expensive insurance. Just as luxury cars cost more to insure than financial prudence cars, so too get something done expensive motorcycles cost more to keep and patch-up, as well as insure. If you’re a casual rider, consider a mid-range bike.
Bundling policies can save you money. It’s veto secret with the purpose of bundling your back home and sedan insurance with solitary company nets you a considerable take off, but this savings applies to motorbike insurance as well.
A privileged deductible resources drop premiums. Deductibles and premiums are inversely proportional veto trouble come again? You’re insuring – cars, trucks, motorcycles, houses – if you are comfortable with the conception of paying more prohibited of take if you suffer an insurance say, increasing the deductible can significantly reduce your yearly premium.
Here addition to the suggestions outlined exceeding, you could be able to earn a take off on your motorbike insurance by storing your bike in a garage what time you’re not riding it, fusion a motorbike organization, or taking a safe rider group – the two-wheel equivalent of defensive driving.
Insurance companies are decrease advocates of motorcyclists following safe riding practice. These common-sense behaviors won’t save money truthfully, but they could prevent you from being in an accident, which will greatly reduce the likelihood of having to funnel a say:
Don’t ride drunk. Other than partially of all motorbike deaths affect a drunk rider. Stay sober and stay alive.
Upgrade the bike; renew the guiding principle. Most bike policies include on slightest nearly coverage instead of custom equipment, but lone if the equipment is itemized on your guiding principle. If you pick up the safety skin of your bike, or even absolutely grasp modern leathers, be convinced to call your insurance agent and allow them know.
Visibility matters. At home accidents linking cars and motorcycles, very often the driver of the car simply doesn’t ensure you or your bike. Be real convinced to employ your head light, even in the period occasion, wear clear ensign so drivers can ensure you, and for ever and a day be aware of your locate in the lane.
Your helmet is your companion. While it’s dedicated to wearing a helmet in fiery weather can be enormously uncomfortable, the piece of information is to they perform save lives. A study from the National Highway Traffic Safety Association shows to in 2006 1,658 motorcyclists’ lives were saved for the reason that they were wearing helmets, and one more 752 more may perhaps take been saved if they had been wearing them. At home addition to a helmet, other protecting gear, like thug gloves, long pants, and boots to become up clear of your ankles.
While riding a bike is a smidgen riskier than driving a car, insuring your bike doesn’t take to be prohibitively expensive.
