Recently i have had to change auto insurance providers for multiple reasons. So now i am looking for the best place to get auto insurance quotes from.
I don’t think you’re going to get a lot of answers because this question is in the wrong section
My old insurance company would pay for my rx. Then the company I worked for changed insurance companies and they don’t cover what I used to take. How can I get them to cover this? Or can I?
I have already tried calling the new insurace company and was told that don’t cover this med. How can I jump through hoops to get this covered?
SlyKitty, unfortunately, if your new insurance company does not cover it, there is no way you can let them cover your old prescription. That is always a problem with switching insurance companies. Actually, I’ve been almost in the same situation, and what I did I went online and purchased generic version of medication I was getting through UK http://www.pharmacynextdoor.com online drugstore. It was simple and the prices were reasonable.
We are looking to get a life insurance policy for my 25 year old husband. We have three young children so we’re trying to figure out what would best provide for the family if God forbid something were to happen to him.
Term life insurance is usually the best answer for a situation like this. Be sure you take out a policy that will last until your children are grown. Some agents might try to convince you to buy permanent insurance (universal life, for example), but there usually isn’t really a need for that. But, look at the difference in price between term life insurance and permanent insurance, and try to put away some of that extra money into savings over this time. Depending on your own employment situation, you may still need a little finanical "boost" should your husband pass away after your kids are grown (and the insurance term is up). But that is a situation you can start to cover now. If you save over the next 25 years, you will not need the coverage of permanent insurance because you will have built up your own savings nicely.
As others have said, do be sure that if you are home with the kids, you are insured as well, if the additional cost of childcare would impact your husband’s financial state. Depending on the ages of your children, where you live, and the availability of family to help out, you could be looking at $3000 in monthly day care costs. It may be worth taking out a policy on you as well if those expenses would impact your family in a bad way should something happen to you.
If you would like to get an estimate of how much insurance you should buy, you can check out www.vilkri.com/life_insurance_intro.php (currently free if you request beta testing access). This site isn’t affiliated with an insurance company, so it will not try to sell you a thing.
My car doesn’t ignite and I’m guessing the battery is out. Will my car insurance company be able to come over and jump start my car? I use Farmer’s btw. Otherwise what’s the best solution?
Only if you have tow service included with your auto insurance package. Some companies include it by default (though they charge extra for it), but I’m sure with Farmers and other big companies you’ll have to opt in to that service. You can check with your insurance company, and they’ll be able to tell you right away whether you have it or not.
Also, don’t start a tow package just for this situation unless you’re ok with leaving your car sitting for a few days, at least. Especially with auto insurance tow packages, there’s a delay time between when you set it up and when you can actually file a claim. AAA may be like this as well, but it’s worth checking into because it has other benefits.
The best, and cheapest, solution would be to have somebody jump you — a friend or relative, ideally.
You can also call a tow company, but it’ll be cheaper for you to go out and buy a new battery. You could also go to a car-parts store, or a store like Walmart and purchase a battery charger / jumper — they charge your battery but also help to boost the juice enough to start your vehicle. This option could also be cheaper than hiring a tow truck. However, if this is your only vehicle… your options are likely limited to what I’ve listed here.
Usually, tow packages added onto your auto insurance are relatively cheap — $5 per month or there about. Unless you have something else, like a AAA membership, it might be worth considering because it can save you a lot of money in situations like this.
are there any sites for oklahoma health and life insurance quotes?
Well, none of them will be STICKING quotes, over the internet, without massive personal information being given first.
So you’re best off just buying through a local agent.
My friend said that all the insurance companies would just move to South Dakota, because that is the state with the weakest consumer protection laws, and then they could sell insurance nationwide and ignore the laws of the other 49 states.
How true is that?
Not much. They will still continue to use death panels to deny care to those they are meant to cover.
Why does no other developed nation have the US model of healthcare? Because in the US model, insurance companies use death panels to deny care to those they are meant to cover. And then they raise costs [1]. Not only does the USA spend more on healthcare than any other nation [2], it finds itself bottom of the table when it comes to preventable deaths due to treatable conditions when it comes to developed nations [3]. The sad thing is that rather than focus on these things, the right spreads lies and half truths about the reforms and how healthcare works abroad [4]. But, if you think that my points are wrong, e-mail me with proof.
Considering that the insurance industry uses the government to force people to buy their product and frequently advertises on TV, it doesn’t seem like a very high percentage of premiums are paid out. Does the insurance industry pay out even half of its revenues in claims? A quarter? 10 percent?
Wait, you’re confusing two things – REVENUES, which means, total income, and PREMIUMS, which is income derived from selling policies.
Here’s the industry average payout, on $1 of PREMIUM dollars:
Health insurance – $.99
Auto insurance – $1.12
Homeownrs insurance – $.87
Workers comp – $1.42
Property insurance (nonhomeowners, nonauto) – $.67
Life insurance – $.65
MOST of it’s "revenue" is made from investment income on the reserves – NOT from selling the actual policy.
I’m trying to get auto and renter’s insurance and I do not understand why my credit score is brought down because of this. Can’t they tell I’m not our trying to get several credit cards or lines of credit or loans? How can this be dealt with and changed or stopped? If this is going to happen, how will my credit look in two years when I am ready to buy a newer vehicle?
When someone runs your credit, you lose 4 points from the agency they use. When several people pull your credit within a set number of days, it is assumed that you are shopping and you lose only 1 point for each search after the first one. So if, in one day, 6 companies pull your credit from Equifax, you will lose 9 points from your Equifax score.
I am the tenant of a condo and had accidental water damage to the unit, and floors below. My landlord claims they do not have insurance to cover the damage, but the condo board does and has paid out a $5000 deductible for the insurance for all the units to the insurance company, which I have reimbursed. Now I have been contacted by the insurance company about being charged for the remainder of the damages.
My question is, am I not sheltered by the condo boards insurance deductible?
Your situation illustrates a prime example of why tenants should purchase renter’s insurance. The condo board insurer covered the loss to the condo, but that doesn’t mean the insurer is not going to attempt to recover its payout from the person responsible for the damage. That person is YOU. No, you are not sheltered or covered. You’ve already paid the deductible portion to the condo. Now the insurer involved wants to recover ITS payout. If the condo insurer had a zero deductible, it would be coming after you for the entire amount of the damages. This insurer is following standard practice for such situations. Learn the value of renter’s insurance.
We recently found out we are expecting a baby and need to open a life insurance policy in case something would happen to him so we’d be taken care of. We have insurance that is paid for by his employer. How do we go about getting life insurance? Is it added to our existing medical insurance, or can we get it separately?
You can buy a separate life insurance policy on your own, in addition to requesting life insurance from your employer, if they offer it.
To get your own life insurance policy you can contact a local life insurance agent, or visit a life insurance quote service to request free life insurance quote comparisons online from several insurers. You can learn about term life insurance at http://free-best-life-insures-comparator-usa.blogspot.com/
Term life insurance offers you temporary life insurance for 1-30 years. It costs much less than permanent life insurance, because it is temporary, and builds no cash value within the policy.
Many young families choose 10, 20, or 30 year level term life insurance because it offers the most coverage at the lowest cost.
Level term life insurance provides coverage and premiums that remain the same each year for up to 30 years.
If you want, you can request life insurance from your employer, but you may have to pay for it, and if you leave your company, or get laid off, the group term life insurance plan ends. You may be able to convert it to a permanent life insurance plan, but it would cost you a lot more. And, if you waited until later to get your own life insurance policy, you may not be able to qualify for coverage if you develop a health condition.
You may want to consider a term life insurance policy for you and your husband. Imagine what it would cost to replace everything you do for your family, and will be doing for your growing family once you have a child.
Bets of luck to you and your husband. And, Congratulations!!!