Archive for October, 2009

What is gap insurance usually labeled on the actual insurance policy paper?

Monday, October 26th, 2009

How do I know if I have gap insurance by looking at my insurance policy? I have Travelers, if that helps.

insurance tips :
http://insurance5.cn

How do you compare online insurance quotes?

Monday, October 26th, 2009

i am looking for car insurance and i want to have a best deal , but i dont’ seem to be getting the one that will serve my needs.
i need accurate comparisons.

Geico is good and others too. For a true comparison use the binder from your current insurance so that the quotes you get are for the same levels on insurance that you have. Make sure you understand the coverage too.

Free Auto Insurance Quotes At What Website?

Monday, October 26th, 2009

I have been looking for a site that gives Free Auto Insurance Quotes, everywhere I have found wants to charge me or run my credit. Can anyone help me? All I want is a Free Auto Insurance Quote is that to hard to find?

Get a Free Auto Insurance Quote in 1 minute from a top referred good local company.

A good car insurance company needs to be local, so if you ever have any problems you can stop by the office immediately. Plus dealing with someone face to face is always better business. How can a customer service rep that is hundreds of miles away know exactly what you are needing where you are?

You need to be able to communicate with your insurance agent, build a relationship with them, because you plan on staying with them for a long time. Remember their service that you are paying for is to PROTECT YOU & YOUR FAMILY.

In most cases "the average person" spends hours looking for an insurance company, you want to make sure you are choosing the best options for you and your family. So you can’t blame "the average person" for making this mistake, I call it a mistake because there are better options, than spending hours on something that can be done in minutes.

I have found a site http://best-auto-ins-usa.blogspot.com/
that gives you top referred local insurance providers, and their quotes in 1 minute. All you have to do is enter in your state, then your zip code and follow the instructions. It’s that simple, nothing else to it.

Then you decide from those insurance companies, who is going to protect you and your family and get your business. Now deciding what insurance company to choose from is easy, all of the top referred local companies are right in front of you.

I would then contact the referred insurance agents by phone, about the possible insurance policy just quoted. Make sure you ask about any possible discounts that might apply to you, some insurance companies give discounts for parking your car in the garage. You will never know unless you ask so ask, because a lot of little money saved can add up.

Make sure you check out
http://best-auto-ins-usa.blogspot.com/ you will be alright.

What is the worst that can happen, you find a good car insurance company, with a good rate, and a local agent in as little as 1 minute.

Be safe and take care.

Concerning commercial insurance for general liability, what does primary and non-contributory actually mean?

Monday, October 26th, 2009

Agents are asking for this and I am looking for some useful info to help explain to them what it is and why there is additional premium associated.

Ah, the old "additional insured on a primary and non-contributory basis" clause.

It’s most easily illustrated with an example: Joe Construction subs out some work to Jack’s Plumbing, requesting this wording. It means, if Joe Construction is sued, Jack’s Plumbing’s GL policy covers. They pay first (primary), and Joe Construction’s policy doesn’t have to kick in (non-contributory).

The ONLY way I ever get an underwriter to agree to that wording, is by adding more wording : "additional insured on a primary and non-contributory basis, but limited to the operations of the insured."

Otherwise, if the general or another sub causes the accident, Jack’s Plumbing’s GL policy has to pay. First, and without recourse to the general.

Concerning commercial insurance for general liability, what does primary and non-contributory actually mean?

Monday, October 26th, 2009

Agents are asking for this and I am looking for some useful info to help explain to them what it is and why there is additional premium associated.

Ah, the old "additional insured on a primary and non-contributory basis" clause.

It’s most easily illustrated with an example: Joe Construction subs out some work to Jack’s Plumbing, requesting this wording. It means, if Joe Construction is sued, Jack’s Plumbing’s GL policy covers. They pay first (primary), and Joe Construction’s policy doesn’t have to kick in (non-contributory).

The ONLY way I ever get an underwriter to agree to that wording, is by adding more wording : "additional insured on a primary and non-contributory basis, but limited to the operations of the insured."

Otherwise, if the general or another sub causes the accident, Jack’s Plumbing’s GL policy has to pay. First, and without recourse to the general.

Does ICICI Prudential handles insurance claims genuinely?

Monday, October 26th, 2009

I heard that ICICI Prudential is not handling the insurance claims genuinely and they are naive and are worst in dealing death claims and funds settlement.

They can not do any fraud in funds settlement. Almost all insurance companies are worst in death claim as they simply say in some cases that death was due to a pre-existing condition.

Does ICICI Prudential handles insurance claims genuinely?

Monday, October 26th, 2009

I heard that ICICI Prudential is not handling the insurance claims genuinely and they are naive and are worst in dealing death claims and funds settlement.

They can not do any fraud in funds settlement. Almost all insurance companies are worst in death claim as they simply say in some cases that death was due to a pre-existing condition.

Do the amounts an opposing insurance company tend to correlate and fluctuate depending on the economy?

Monday, October 26th, 2009

Do the amounts an opposing insurance company tend to correlate and fluctuate depending on the economy?

Will an insurance company tend to base their offers based on the economy of the time? Will an insurance company usually offer more when the economy is doing well and less when the economy is not good? Or is there no correlation?

If you are talking about an injury claim – the offer is based on the injury itself. The adjuster does not consider the economy.

What company provides a life insurance quoting engine software to install in an insurance agency website?

Monday, October 26th, 2009

I need a software where I can input one (or more) life insurance company rates. Preferably if I have the freedom to input any company and not "pre-packaged" ones. Thanks.

You are better off hooking up with a General Agency. They allow you to use their software to shop out all the carriers they are contracted with. You will have to contract with the agency and then use them for all application submissions. Try this site to find the best life insurance quote

http://best-life-insurance-usa.blogspot.com/

Here you can get quotes from different life insurance companies in your area, its the best way to find an affordable life insurance with a reliable company.

What is the best life insurance that will pay in case of a suicide?

Monday, October 26th, 2009

I need to know what the best life insurance I can get that will pay out in case of a suicide. I know that there probably isn’t many. But I need as much info as I can get. I need my family taken care of and as for now they won’t be. Please help. Any info will be greatly appreatiated. The life insurance I have now will not pay for suicide for another year and a half. Thank you so much. Netty

In addition to the top answers, if they find this statement when paying a death claim, it could be considered fraud. Not only would they loose the money, they may even get sued worse case.

What ever your problem is, there is always a way out. Suicide is not it. It only creates more problems for those that are left behind.

Suicide is also a selfish answer to life’s problems.