Affordable Insurance Plans, insurance coverage, health insurance quotes

I’m about to get a car, and i’m thinking about car insurance. The thing is, I don’t know whether should i go to an insurance broker, or just shop around doing all these web quotes and find the cheapest out there and call them directly. Should i just do this or should i contact an insurance broker? What are the pros and cons of dealing w/ insurance broker? thanks

With all due respect to Bundysmom (who is normally dead on with claim/accident answers) I believe you are better off going through a broker.

If you deal direct with a company or one of their "captive agents" (an agent who only reps 1 insurance company) you end up with no comparison shopping at all. I can’t agree with that on any level. Auto insurance is a product like anything else and most people try to get the best value for everything they purchase and insurance should be the same way.

A broker or independent agent will be able to give you quotes from many different companies showing the difference in prices.

Sure some brokers are idiots and crooks but so are captive agents. The best advice I can give you is to go to an agent that is recommended by a relative or friend.

My agent is the daughter of the agent my father used, so I had a great recommendation about the agent and I would never consider buying direct off the internet. I get good service and advice and she does a great job of checking with me to see if I NEED additional coverages. A captive agent can do that for you also but without the ability to provide comparison prices.

Try to avoid buying direct online without an agent unless you are knowledgeable about insurance coverages. Last week there was a person on this site who bought a policy online but didn’t do it correctly and had an accident and found out the hard way that they did not purchase collision coverage so now they have car payments on what has become a giant paperweight.

Be careful and good luck.

I got a speeding ticket for the first time ever. The cop put me down as 80+ mph, which i needed to go 70mph. When my insurance bill comes in, would my insurance be higher? Also my insurance is AAA. I still haven’t gotten my actual ticket in the mail yet, and i was wondering if my insurance bill would be any higher until I’m proven guilty, because i know that if i can take traffic school, it won’t get any higher & the point taken off. But i was wondering until then, would it still get higher?

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I am with Geico currently and is up for renewal. I am planning to take quotes from different companies. May be they offer me a low rate. But I am scared by the fact that it will impact my credit score. Can you please advice? I have been driving for 4.5 yrs with clean record.

Although insurance companies do use credit scoring to determine your rates, the "hit" is a soft hit, not a hard hit, so it won’t affect your credit score at ALL. It’s NOT like a credit card application.

its the insurance commercial with the red umbrella, the dog keeps moving his bone from place to place.. the song in the background!!! Anyone know it??

The song is called "Trouble" by Ray LaMontagne

Where would I go to find a job processing claims? Medical billing or other

At home professions is a home study course that will give you a certificate in medical billing after you pass their course. This is long distance learning set up. After ‘graduating’ you will have to market yourself to local doctors and explain why they need to switch from their current billing service to you – with no background in this field, who will work from home and possibly, unintentionaly, create billing errors and lose them hundreds if not thousands of dollars because no one is auditing your claims while you learn how to bill in the real world.
You will also need to purchase a medical billing software to keep track of claims and make sure you have no timely filing issues, electronic transmission software or contract with a clearinghouse, as well as current and possiblly 1 year past issues of the ICD9, ICD10, HCPCS, CPT and I recommend a specialist book in the area you will be billing. Subscribe to a newsletter to keep up to date with the changes that happen ($300/year), high speed internet, unlimited calling, and a very comfortable chair because you will be sitting in it a long time.

Oh, Will you be coding the claims also? Need to get certified for coding and keep up with your CEU’s to stay eligible for certification.

I admit, I’m angry that medical billing has been portrayed as a quick home project that you can do in your spare time. This is a real job that requires real knowledge and attention to detail. One wrong code and someones insurance denies their claim leading to thousands of dollars in medical expenses for a patient.

My suggestion? Go ahead and take this course if you’d like, get an entry level job at a doctors office or hospital. Learn form people who actually do medical billing then in 5 years, if you think you have what it takes, start your own business and try to work from home. Remember, your dealing with people’s livelyhoods (the docs) and lives (patients ability to pay for procedures) this is not something to be taken lightly.

I have an idea for an insurance company ina niche I feel is unexplored. I do not know the requirements and legal ramifications for starting an insurance company and would like some guidance in this area. Any help would be appreciated. Thank you.

You would need to ask the Department of Insurance in your particular state, because each state has differant legal and regulatory rules regarding the insurance business. I know you need to have enough reserve cash available to be able to pay claims and they have certain worst-case scenarios you have to be able to answer like – what if 10% of your insured suddenly had claims – could you pay??? I also know to sell insurance you have to have a licence and that you get that licence at the same place so check them out FIRST – I’m sure they can paint a picture for you. Also, check out www.score.org thats the Service Corps of Retired Execs. They are a SBA-affiliated nonprofit group that offer free start-up consulting nationwide. Good Luck.

My aunt is in the nursing home and i urgently need to get life insurance for her. But alot of companies will not cover her because she is already in the nursing home.Do anyone know of any companies that will cover someone in this situation. Please Help!!!!

Globe Life and Mutual of Omaha will BOTH give her "guaranteed issue" policies, if she’s under 76 years old.

The catch is, you have to pay every month for two years. And, of course, coverage is limited to a maximum payout of $10,000.

If she dies before you’ve paid in for two full years, they don’t pay out. And if she lives four years, then you’ve paid in $10,000, and would have been better off putting the money in the bank.

So guaranteed issue policies, are pretty much a bet that she’ll die at least two years from now, but not more than five.

I have a 4 months of temporary work in California and I am thinking of taking my car. My current car insurance will not cover driving for work purposes in California. What is the easiest way to get car insurance for 4 months for California?

You’ll have to buy a policy out there, and cancel it when you’re done.

It’s not the California part that your insurer is having a hard time with – it’s the "driving for work purposes". And depending on what you’re doing, that can get VERY expensive.

I know there are many places, but please fell free to recommend me affordable individual health insurance quote

First I want to tell you that it is very important to have health insurance, because if you’ll have to go to hospital you’ll have to pay around $20,000.I can’t tell you which is the best, but i know a company that offer me big discount.You can try them.They are great.

http://CheapInsurance.Tk

Hello everyone. I have life insurance and accidental death insurance, but I am looking for a company that offers insurance for money if you get injured in an accident and become disabled. I show horses and ride often. I am looking for something that would protect my family in case of a disabeling injury. Please only serious answers. Please don’t suggest yahoo or google….I am looking for actual companies. God bless!

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