Comments on: Dishonesty Increases Personal Insurance Rates

By: nirmala

nirmala — Tue, 29 Jun 2010 12:43:11 +0000

you must know them will provide services for all, and I am very happy for the article you created, your article gives me feedback

By: jual madusal

jual madusal — Wed, 02 Dec 2009 09:40:22 +0000

sometimes the local chamber of commerce will back a group plan, or there may be an Association of B&B people who back a group plan.

By: almeta

almeta — Sun, 08 Nov 2009 17:26:59 +0000

Try this site, if you want to find the best or the cheapest medical insurance just in one minute,

http://cheap-health-insurance-usa.info/

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

Hope this help,

By: TheJF

TheJF — Sun, 08 Nov 2009 11:03:08 +0000

You need to talk to the school you're going to, to cover this. Odds are, it will cost you about $100 USD a year, from a Japanese company.

By: Antony G

Antony G — Sun, 08 Nov 2009 05:59:20 +0000

OK, I filter to US Only questions (not english only) and this came up, so I'm guessing that maybe you're not going to get many UK answers.

Here in the US, and most of the rest of the world, it's true – there are TWO different kinds of liability – personal, and business. "Public" is a misnomer – public can be either personal, or business. Or maybe it's just a UK way to say 'business'.

But, you CANNOT combine the two. The rating basis and coverages are WILDLY divergent. Business liability does NOT include personal liability, but it DOES extend coverage, to some extent, over employees IN THE COURSE OF EMPLOYMENT. With exclusions, of course.

By: Jennifer B

Jennifer B — Sun, 08 Nov 2009 05:33:16 +0000

Let's see, you believe your siblings are lying to you and hiding money that is rightfully yours.

*IF* there was an insurance policy, payable on death, it could only be paid out 1 of 2 ways.

1. To a named beneficiary and if you aren't one of them, tough.
2. To the estate. The esate would then turn around and distribute the money to the heirs in the will. If there is a will and you aren't listed, tough.

If your siblings are telling the truth and they did not find a policy, your options are limited.

The typical ways to find a 'lost' policy:
1. Go through the decedent's checkbook and credit card statements looking for policy payments.
2. Watch incoming mail for policy bills, statements and/or company information…
3. Go through every piece of paper in the house.
4. Contact their employers to see if there was a policy through work.
5. Spend $10 on stamps and write the top 20 insurance companies asking if there is a policy (providing their name, SSNs, addresses and how you are related to them).
6. Spend $75 on a search of the health-insurance application database. Only applies if they applied for insurance in the last 20 years.

By: ReallyReallyConfused

ReallyReallyConfused — Sun, 08 Nov 2009 02:52:35 +0000

Typically, when a property transfers ownership and a mortgage is put in place, there are two types of policies issued.
1. Mortgagee Policy (covers the lender's mortgage and insures that it is the first, best lien on the property)
2. Owner's Policy (covers the new owner's interest in the property)

Think of it this way. You carry insurance on your car, in case there is an accident. The insurance pays for damages that may occur to your car in the future.

You (hopefully) will carry homeowner's insurance, which will pay for damages to your house in case of a fire, etc in the future.

Your Owner's Policy of Title Insurance protects you against things that may have happened in the past. You pay a one-time fee that is collected at closing, that insures that no one else holds any interest in your new property (except for the lender on your new mortgage). It is your proof that the chain of title was clear up until the date and time that you deed filed, and no one can claim that they are "owed" something from your home.

Examples:
1. A previous owner died, and one of the heirs did not get their portion of the proceeds from the sale of the property.

2. A previous owner divorced and their spouse did not get their half of the proceeds from the sale of the property.

3. A lien was filed against a prior owner that was never paid off and released.

If, in the future, you decide to refinance or sell the property, a new title search may be done. Chances are that a different examiner will do the search. If they come across something that shows a problem with your title prior to the date/time your deed filed, the owner's policy protects you against that claim. You can file a claim against the underwriter who issues the owner's policy for payment of any losses incurred.

Get an owner's policy, and keep it with your important documents.

By: tourniquet

tourniquet — Sun, 08 Nov 2009 02:09:04 +0000

tourniquet, There are tons of websites where you can get an online quote. http://www.autoadviceonline.com/Auto-Insurance-Quote.html It only takes 5 minutes to do.

By: jonnyz15

jonnyz15 — Sun, 08 Nov 2009 00:03:50 +0000

if you are in your own car doing the runs then yes you are covered. per my policy yours might be different. but sorry for your company that they would do that. i hope you didnt sign any papers about that cause if you get ina accident doing one of those runs or your car gets hurt. it will fall back on them and they will be responsible. might taking them to court but you will have upper hand cause you are on the clock working for them. and you are not a contract employee. so tell your boss to *&*()_*( no dont do that!
just vote me best answer and save it in the back of your mind if any thing happens.

ohhhh btw save all your gas miles driven too they have to pay you back. you might wait till you quit and give it to the boss as a going away gift to you.

By: nyctrainer211

nyctrainer211 — Sat, 07 Nov 2009 20:09:21 +0000

autoinsurance.undonet.com – try this one. I have their car insurance and, as I know, they can provide such a service.