Syracuse Business Daily

insurance??????? just wondering. my mom has a trailblazer and my dad has a lumina. they already have full coverage. my question is do they have to add my the insurance or since i have my drivers lisence i can start driving. my mom said that im already insured because it already has full coverage is that true or does she have to add me or what???

Insurance.....? Does anyone here have insurance for their dog? How much does it cost or does it depend on different factors (breed, age, etc). If you don't mind tell me what it costs you and what kind of dog you have. Thanks

How do we get insurance companies to reduce medical insurance premiums to employers? Let's face it, here in the U.S. the medical insurance premiums for group health coverage is rising faster than inflation. As a result, a lot of companies are either reducing the levels of coverage in order to offset the cost of insurance, increasing the deductible, and or increasing the cost to the employees for the insurance premiums. The problem is that insurance companies have no incentive to reduce insurance premiums. They continue to get record profits and this issue is out of control. How do we get the insurance companies to decrease insurance premiums to the rate of inflation, or better yet, start reducing the cost of premiums for a change?

What is the type of insurance that covers bodily injury and property damage to others? 1: What is the type of insurance that covers bodily injury and property damage to others? liability uninsured motorist comprehensive collision 2: What is the type of insurance that covers you when you are injured by a hit and run driver? liability uninsured motorist comprehensive collision 3: Insurance is based on the concept of ________ and __________ profit and loss risk and loss risk and return profit and cars 4: Which type of insurance is usually required if you finance your car purchase? Medical Payment Insurance Towing Insurance Rental Insurance Collision and Comprehensive Insurance 5: Which of the following is not a way that a teenager can save money on insurance? Getting on his or her parents' policy Getting good grades Driving penalties Driver experience 6: Accidents that must be reported are ? those that caused minor damage or harm those that have been fatal all accidents.

How long is a insurance company required to give before they cancel your insurance? My insurance called me yesterday and informed me that they would be cancelling my insurance because I have rented my house to a group of students. They gave me two weeks to find new insurance before they cut me off. I'm having trouble finding someone who will insure us. If they cut my insurance, my bank will cancel my mortgage, and I guess that means I'd lose the house. Is this insurance company allowed to drop me in this manner. When we got the insurance two months ago there was nobody living in the house, but it was rental insurance. We never lied or anything, we were completely honest through the whole process.

What types of insurance does an event planner need? I am interested in starting my own business from home as an event planner (no employees, just me). However, I am unsure about the insurance aspect of things. I will possibly be organising events for a large company and they have told me that I am required to take out Public & Products Liability insurance and Personal Accident cover before I can start working on any of their events. Will the Personal Accident insurance cover my hospital bills if I injure myself? If not, what insurance does? Could you please advise what type of insurance is required for a home-based event planner. If there are any event planners out there could you please let me know what insurance you have?? Thanks!

When will the Insurance Lobby force us to have Medical insurance like the did Auto insurance? Forced auto insurance, seat belt laws, helmet laws, child safety seats, laws and regulations, all brought upon us by insurance companies who use government regulation to maximize their profits. Isn't it only a matter of time before they get their friends in Washington to make Health Insurance Mandatory? Or is that the republican plan for reform?

How can people say insurance companies should be able to deny based on pre-existing conditions? Let's look at an example. Bob has a job. He has health insurance. He gets cancer, and his insurance company pays for his tens of thousands of dollars worth of treatments. The economy goes south, Bob gets laid off. He has to choose between health insurance and losing his house, so he obviously needs to stop the insurance. Later, Bob gets re-hired, and despite the fact that he can afford insurance, he can never get it again, because he has a pre-existing condition. But no, we need LESS government regulation of the insurance industry. LOL!

How does the insurance company find out about moving violations? My understanding is that when you get a moving violation (e.g, a speeding ticket), the police or the courts or whoever will notify your insurance company. When your insurance company finds out and finds out about the points that are now on your license, they raise your insurance premium. However, a friend tells me that he's received several speeding tickets, that his insurance company has never found out (meaning no one is notifying his insurance company), and that his premium has therefore never gone up. How is that possible?

no health insurance and have a preexisting condition. Can I start work? or is there any insurance available? I live in GA. We just got an insurance and told them about this condition. It's very small surgery for my daughter. but now they are denying it. Is there any other insurance I can take? or if I get insurance through work would that help?

How much is malpractice insurance for neurosurgeons by state? I need to know the average malpractice insurance for neurosurgeons in different states.I want to practice in a state where the insurance isn't so expensive.I live in NYC and here,the insurance is almost $100000.I prefer going to another city than giving all that money for the insurance.I never had any problem in my career and I don't need this type of insurance. Can you help me? PS. I am paid very well,but I don't like spending money on things that I don't need.

Will an insurance company insure our home if there is a unpermitted cottage? I'm in the process of buying a foreclosure home (Saratoga,CA, can't transfer the insurance since it has already lapsed) that has a detached unpermitted cottage (2 bedrooms, kitchen, bathroom and living room total of 900 sq ft), the main home also has a unpermitted converted garage that is used as a in law quarter (separate entrance and full bathroom), it also has a unpermitted sun room too. I really love the home and tried looking for home insurance but it looks like no one will insure me. Is there anyway I can get insured for this property without having to lie about these unpermitted additions to the insurance company? Any advice would be appreciated and any suggestions which insurance company would insure me for a reasonable price. Thank you in advance.

What reputable health insurance companies are out there? My mom doesn't have health insurance and my job doesn't give insurance to family members. I would like to pay monthly to a health insurance company so my mom could get health check up when she needs it. Do you know any health insurance companies that can accept low monthly payments since I don't get paid that much? We live in northern california.

What insurance is needed for casual outside workers? We live on acreage in Brisbane and need quite a lot of outside work done. Things like brushcutting, weed spraying, gardening, scrub clearing etc We would supply tools and materials etc so the job would suit an unemployed person or a student. What if they are hurt in some way while doing the work? Do we need to take out insurance for them? If so, what type of insurance is it and who should we get it from? I'm pretty sure that normal workers compensation insurance doesn't apply to workers who are employed by householders.

What typically happens to the insurance industry during a period of economic recession? Are people more afraid and purchase more insurance or less? Does it make them delay purchasing insurance? Life and Health insurance specifically. More specifically senior medical supplement policies, advantage plans, life insurance, long term care insurance, and annuities. I'm asking for myself. Is it a good time economically in the U.S. today to sell these products? General or specific information will be helpful. Thank you for your experience and thoughts.

What kind of insurance do insurance companies need to buy for their own company? I want to start an insurance company, but I need to know what kind of insurance I need to purchase for my own company. I have done research and can't find this. (Please do not tell me how to start one, or anything else besides what insurance I need, if any.)

What are some insurance companies that offer insurance if you become disabled due to accident? 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!

What is the base minimum of insurance required in Colorado? I know that we need liability insurance, but is there a minimum on other types of insurance? Specifically, house insurance, RV insurance and boat insurance. Oh, and motorcycle insurance. Thanks.

Is the auto-insurance claim information shared if I switch the insurance company? Hi! I am with auto-insurance company X right now and due to few number of insurance claims that I had made, my insurance is going up. I am wondering if I try to switch to some company Y, will X share my claims information with Y? Thanks!

Does comprehensive car insurance cover others not on the policy? My Brother has a full comprehensive UK car insurance. Can I drive his car and be covered by the insurance even though I am not listed on the insurance and live at the same address. I have a full UK license, he claims I am covered because he gives me the permission to drive the car which according to him is right. I have read the insurance policy but my brains are not big enough to understand that "given permission" part. If anyone can throw more light on this, it will be fully appreciated.

Can i start insurance on a new car with a new insurance provider before the current policy runs out ? My current car insurance policy runs out at the end of the month and I will not be renewing with them. I am getting a new car approx 2 weeks before the expiry date. Can i start the insurance with another company and 'overlap' the insurance ?

What happens to my insurance after i got a speeding ticket? 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?

How long does an insurance company need to approve a medical insurance application? My medical insurance has expired and I've just decided which one to buy next. How long does an insurance company need to approve an application and get it activated?? I have no medical insurance right now so I'm kinda worry because of the swine flu.

Where can you buy insurance for connecting to the power grid with a wind generator in Texas? I have a friend who would like to install a wind generator for electricity, but the local power company will not let him connect to the power grid unless he can show that he has a million dollars insurance. Well, he cannot find any company that offers that type of insurance for any price. He has written to everyone he can think of but still no source of insurance. The reason he wants to connect to the power grid is to use it as his storage system so that he doesn't have to maintain a whole bank of storage batterys. Does anyone know where he can get this type of insurance for a system that will be in the state of Texas?

Can you buy auto insurance the very moment you buy a car? Do insurance companies work that quickly? Can I call an insurance company the instant I buy a car and say, "Hey, I just bought a car. I want to get insurance for it."? I think companies should do this because if I take off from the dealership without insurance, and somebody hits me on the way home, I'm in trouble, right? I looked everywhere for this information, but I couldn't find it anywhere. Could somebody clarify this issue for me?

How much insurance company will raise my rate after a car accident? My car bumped into a car at a parking lot and caused minor rear bump crack. And I called my insurance company to report a claim. Right now my rate insurance is $420/year. I would like to to know how much my insurance company will raise my rate when I renew it next year.

How does rental car insurance offered by credit card companies (when you use the card) work? I have credit cards which say they cover me for rental car insurance when I use the card to make the full payment for the rental. How does that work? Are there any catches? Does it make sense for me to get the additional insurance from the rental agency (like Avis)? If I am in an accident, will the Credit Card insurance cover everything or will it also be charged to my regular car insurance company?

How do i fight with an insurance company and win? I had surgery in June and my insurance has no deductible. The insurance company paid the doctor and the pathologist, but they wont pay the hospital. the insurance company says they havent gotten a bill. the hospital says they have sent it and received a denial with no explanation from the insurance company. I dont know what to do. I've asked for the hospital to send me the bill to submit myself, but they dont do it. They say they do, but I never get it. I'm so frustrated. What can I do??? The hospital has an out-of-state company do their billing or I would go there in person. My insurance company is also out of state. *sigh* help.. i have no deductible, there is no reason why they wouldnt pay, they've paid everything else I just think the hospital is messing up. any suggestions?? thanks!

What the insurance will do if the two parties of the car accident all have policy with the same insurer? I had a car accident and I believe it was third party's fault. However, the third party and I have policy from the same insurance company. The legal insurance is same as well. What should I do to make sure that the insurance would act without interest conflict? If I use different legal firm, will it be better?

How can insurance companies not refuse insurance for people with pre existing conditions? Under Obama's health plan, insurance can't be refused because of a pre existing condition (at least that's what I heard). How would that work? Why would anyone get insurance before getting sick? How would that not bankrupt the companies?

How long can you wait to notify a insurance company about a potential claim? How long can you wait to notify a insurance company about a potential claim? You know how an insurance tell there clients that they have to report a claim(personal injury/premise liablity) or something. Most insurance policies have a requirement that your notify the insurance company of any potential claim within a very short period of time after the incident occurs. I live in NY. How long can you wait to tell them? How much would that short period of time be? Landlord have been recieving letters frommy lawyer and he havent sent them over to his insurance company. This been going on since May 1st of this year. Can the insurance deny him coverage?

Can I get home contents insurance if my landlady works from home? My landlady teaches piano from home as a full time job, would I be able to get contents insurance? I went to an online insurance site and it said I would have to call them if I share my home with renters/lodgers (which I do) and also it assumes that 'You do not use your home for any business purposes or for the storage of business goods'. What insurance would I need or would it be my landlady's responsibility to get cover? Could I be included in her insurance?

What insurance is needed in Texas to host a non-profit fundraiser? I am in Galveston, TX and I am looking to host a large outdoor fundraiser for a non-profit organization. What type of insurance will I need to cover the event? Where can I look to find more details and how much does this insurance usually cost? Thanks!

Where do car insurance companies get your driving record in CA? I hit a guys bumper while driving a company car a couple of years ago and I thought he filed a claim but the company took care of it and I never heard about it again. I'm getting car insurance and I pulled my driving record from the DMV and all I have is a seatbelt violation but no accidents. Is there another database somewhere that insurance companies will check or is it just your DMV record? Maybe this all got settled without insurance intervention and I dont' want to pay higher fees if its not necessary. Am I in the clear?

How would health insurance businesses be able to stay viable if the Senate bill is passed? As I understand it, the bill forces all Americans to have health insurance. However, I think that the fine for having no health insurance is around $750. But after the year 2014, health insurance companies will not be able to turn customers away for preexisting conditions. Why wouldnt someone pay the fine or buy low end coverage until they got ill and supplement the coverage or buy an extensive plan?

What is that Insurance commercial with the man and woman having an conversation? I am asking for someone else, but I was wondering what was that insurance commercial when the insurance man calls the woman to tell her that her payments where later and later, then she completely stopped paying, I know someone who wants this insurance, but can't think of the name of the company.

When I use insurance to fill a prescription does insurance send my prescription information to me in the mail? I recently filled my prescriptions, and used my insurance (Aetna) to do so, and I was wondering, will my prescription info be sent to me in the mail? Like will I get a bill explaining what they paid? And will it be Itemized? And Can they raise my insurance because of it?

Did insurance companies just start denying claims of sick people? If not why didn't the great House or Senate members address this before now. Sick people don't need to be burdened with extra problems. Even paying sick people. Wonder if it's as long as the insurance companies been selling life and auto insurance across state lines.

What insurance company that operates in CA has the lowest premiums on basic liability insurance? I had Allstate at one time because it appeared to have the best deal on such coverage while my car insurance has been through Mercury. I'm interested in basic liability, no comp & collision. I've got a clean driving record, car license for years but only a motorcycle permit currently. Thanks! It'd be for a Ninja 250, by the way.

What insurance do I need to supply a food product to a store? I have been told that i need different types of insurance to supply coffee/tea to a store. Somethings that have crossed my path are bonding, liability insurance. Can someone explain this to me please? any ideas to where i can also get this type of insurance from?

What type of insurance do I need to run a bus transit company at my university? Ball park price? I was looking to start a bus transit company that will pick up and drop off students from one point on campus to another. I was wondering what type of insurance am I required to have. I need 4 transits for the company to operate the way it is supposed to. Does anyone know what type of insurance is required for an operation as such and/or how much that insurance would be? I don't need an exact price, I am just looking for a ball park price. Thanks in advance.

What insurance coverage is critical for a business that has little to no customer traffic? When a business does most of its work online or in the clients location, what business insurance plans apply? Is liability insurance necessary for the office even if clients rarely come to the office?

What insurance companies are available for a 62 person with Diabetes? 62 year old needs health insurance in California. She has type 2 diabetes which has been under control for several years. However, she is ready to retire because no company will hire her. How can she find health insurance?

What insurance companies pay for inpatient treatment for eating disorders? I have had an eating disorder for the past 3 years, and desperately need inpatient treatment care, but my insurance company doesn't cover the costs, so I am trying to find a new insurance company that does

How exactly does insurance affect our economy? I understand the basics of insurance. That is the transfer of risk. That insurance companies bet on getting more in premiums than they have to pay out in claims. What I'm trying to understand is, how deeply insurance, our ability to purchase it, affects our economy. Please if you could give me some answers regarding this or point me to a site where I can find more information it would be great.

Why is home insurance limited to each and every different type of disaster? The home is either livable or NOT livable...it matters NOT what disaster ruined the home.. Why then is it that you have to pay extra for each different type of circumstance? An accident is an accident.... a disaster is a disaster... the home can only be burned, flooded, distroyed by earthquake / tornado / hurricaine ONCE.. why pay for all the different ways insurance-wise? How covered is covered? And WHY !!!! Why?? Is it if you Never have any type of claim you aren't refunded some of that money you spend year after year after year? Again, once you've paid in insurance the amount of the home value.. what difference does it make if you replaced the home 'money-wise' already in insurance premiums? Why not spend those premiums on a second home instead? Just shooting in the dark here of the many complaints I have heard ranted from my elders recently.. their solutions were hysterical.. I'd love to hear more solutions.

What insurance companies cover include gastric bypass or lap band procedures? The insurance I have through my job (PHCS) has verbally stated that they will not cover ANY weight loss related procedures. My doctor is wanting me to do the lap band procedure so I would like to see about getting my own insurance that will cover the cost. Any suggestions?

How does health insurance work - when insurance premium can generally increase? If family of two have health insurance, and one of them decide to use it for couple medical procedures will insurance policy premium go up? Please advice. Thanks.

Can insurance companies deny coverage for someone because they have a child with Autism? My son has autism. I am currently employed and have insurance through my work. I am planning on moving and taking a new job but I am worried that I will not be able to get insurance for my son if I move. If anyone knows anything about this please help. Thanks, Randy S.

How does business insurance work in a lawsuit? As a small business, I'm finally getting around to looking at business insurance. God forbid I should get sued, but that would be the only reason I would get insurance at this point. If I get sued (assuming I did nothing wrong that would terminate coverage), what are my responsibilities with regard to paying legal fees? What role will the insurance company play or what control will they have in the litigation process?

What is the least amount of car insurance I need to have on a car that doesn't have a loan on it? I live in Wisconsin and havent had insurance in about four years. I am getting married in six months and my fiance's insurance agent said that I should get insurance now, six months before the wedding, so that once we get married and I get added onto his insurance, I won't raise his insurance since I am considered high risk since I havent had insurance the last six months or more. So, if I get insurance on my won for six months, it will be high risk for those six months, but then six montsh from now, I won't be high risk, which will be good becasue six months from now is when i would get married and added onto his insurance. Now, I am going to get insurance on a car that doesn't have a loan on it, and I am wondering how much insurance I need? What is the least amount of insurance I could get on my car, so that in six months I won't be high risk anymore? P.S. I live in Wisconsin, where it isn't illegal if you don't have insurance on your car.

How does health insurance work - when insurance premium can generally increase? If family of two have health insurance, and one of them decide to use it for couple medical procedures will insurance policy premium go up? Please advice. Thanks.

When I use insurance to fill a prescription does insurance send my prescription information to me in the mail? I recently filled my prescriptions, and used my insurance (Aetna) to do so, and I was wondering, will my prescription info be sent to me in the mail? Like will I get a bill explaining what they paid? And will it be Itemized? And Can they raise my insurance because of it?

What is the best health insurance and life insurance policies? What is the best health insurance and life insurance policies? I am recently out of the military and need to purchase an individual health ins policy. However, I am not sure which ones are the best. I am a student, do they offer any good student policies? Also, is the SGLI to VGLI conversion a good change to make? If not, which is better term or whole life insurance policies?

How does health insurance work - when insurance premium can increase? If family of two have health insurance, and one of them decide to use it for couple medical procedures will insurance policy premium go up? Please advice. Thanks.

Does comprehensive car insurance cover others not on the policy? My Brother has a full comprehensive car insurance. Can I drive his car and be covered by the insurance even though I am not listed on the insurance and live at the same address. I have a full license, he claims I am covered because he gives me the permission to drive the car which according to him is right. I have read the insurance policy but my brains are not big enough to understand that "given permission" part. If anyone can throw more light on this, it will be fully appreciated.

What are some insurance companies that offer insurance if you become disabled due to accident? 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!

With the high cost of insurance and the low home values is it worth losing your home to carry medical insuranc? Which would you chose; to go in debt to pay for insurance in case something happens so you do not lose your home? Or not pay for insurance and hope to god nothing happens bad enough to make you lose your home anyway by not having insurance? If you had to pay your insurance and do not currently how would this affect you, and what would you do?

What insurance do I need to supply a food product to a store? I have been told that i need different types of insurance to supply coffee/tea to a store. Somethings that have crossed my path are bonding, liability insurance. Can someone explain this to me please?

What insurance is needed in Texas to host a non-profit fundraiser? I am in Galveston, TX and I am looking to host a large outdoor fundraiser for a non-profit organization. What type of insurance will I need to cover the event? Where can I look to find more details and how much does this insurance usually cost? Thanks!

What insurance companies are available for a 62 person with Diabetes? 62 year old needs health insurance in California. She has type 2 diabetes which has been under control for several years. However, she is ready to retire because no company will hire her. How can she find health insurance?

What insurance agency has the cheapest rates for full coverage car insurance? I need some cheap full coverage car insurance if you know a company that has cheap rates let me know please!

How does health insurance work in the US? I am a non-US citizen and need this information to do a case. Specifically: 1) Is health insurance compulsory for everyone? 2) What happens if someone cannot afford it? 3) In the event that a medical procedure needs to be done, does health insurance cover all the bills? Does the patient need to pay anything extra? 4) Does the patient have any say over what kind of procedure he can take? Say if 2 treatments are available for his condition, can the patient choose the more expensive treatment? And if so, is it covered by the insurance? Thanks for reading this. Your help in answering any part of the questions would be greatly appreciated! Thanks to those who have responded so far. I would like to further ask: Does a health insurance contract state that it will only cover the "normal" rates for a procedure? For eg. if there are 2 possible treatments for a disease, 1 of which is more expensive but more effective than the other, will the patient only be covered by the LESS expensive one? Or is it a case in which the patient can opt for the more expensive one and "top-up" the difference? This is a crucial question to my understanding the case. Thanks!

What percentage of insurance premiums are ever paid out by insurance companies to their customers? 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?

How exactly does insurance affect our economy? I understand the basics of insurance. That is the transfer of risk. That insurance companies bet on getting more in premiums than they have to pay out in claims. What I'm trying to understand is, how deeply insurance, our ability to purchase it, affects our economy. Please if you could give me some answers regarding this or point me to a site where I can find more information it would be great.

What insurance company is good for renter's insurance? I would like to purchase renter's insurance and would like to know some good companies, with good rates and coverage. Thanks! Best Answer received 10 points.

What is gap insurance usually labeled on the actual insurance policy paper? How do I know if I have gap insurance by looking at my insurance policy? I have Travelers, if that helps.

What auto insurance company has cheap rates for adding a 16 year old first-time driver to an insurance plan? We live in Florida, and my son has just turned 16, He wants to get his licenses but we don't want our insurance to go up too much. From what I hear it is very expensive, yet i hear other people saying that some auto insurance company's have very cheap rates for adding a first time driver. So if there are any other parents that know of a company that they use that is pretty cheap please let me know. Thank you. Yes we are planing on "adding" him to our plan.

What is gap insurance usually labeled on the actual insurance policy paper? How do I know if I have gap insurance by looking at my insurance policy? I have Travelers, if that helps.

What insurance is needed for casual outside workers? We live on acreage in Brisbane and need quite a lot of outside work done. Things like brushcutting, weed spraying, gardening, scrub clearing etc We would supply tools and materials etc so the job would suit an unemployed person or a student. What if they are hurt in some way while doing the work? Do we need to take out insurance for them? If so, what type of insurance is it and who should we get it from? I'm pretty sure that normal workers compensation insurance doesn't apply to workers who are employed by householders.

Can i start insurance on a new car with a new insurance provider before the current policy runs out ? My current car insurance policy runs out at the end of the month and I will not be renewing with them. I am getting a new car approx 2 weeks before the expiry date. Can i start the insurance with another company and 'overlap' the insurance ?

Why is Auto Insurance in Quebec cheaper? And how do I go abouts changing my insurance to Quebec? I have been told insurance in Quebec is much cheaper. I know a few friends that live there can I change my license address to Quebec then seek insurance over there? Im getting sick of paying 400+ in Ottawa.

What is the best health insurance and life insurance policies to go with? What is the best health insurance and life insurance policies to go with? I am recently out of the military and need to purchase an individual health ins policy. However, I am not sure which ones are the best. I am a student, do they offer any good student policies? Also, is the SGLI to VGLI conversion a good change to make? If not, which is better term or whole life insurance policies?

What percentage of insurance premiums are ever paid out by insurance companies to their customers? 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?

Who pays for the home insurance when you let your house? I ask this question on behalf of my friend, who lives in Malaysia. He wants to know what the law in England will be in this case. My friend is gonna let his house to another, so that he can have some income. A question arises: They need to buy a home insurance in case there is an accident like fire. Apparently in Malaysia, a homeowner doesn't have to buy insurance for his house. So in this case, who should pay for the home insurance, the homeowner or the tenant? I mean, the rental period is 2 years, and the insurance, if paid, will cover for 2 years only.

Can I reimburse myself health insurance costs from my company? We used to have individual health insurance, and I would pay for it out of my own company (an S Corp). When we got insurance through my husband's employer, I stopped reimbursing myself. He is paid for by the company, and then it costs extra to add myself and our child. I was just going to deduct health insurance premiums on our Sch A, but we don't have enough other medical expenses to meet the limit. Is it ligit to go ahead and reimburse myself the amount that it cost for the health insurance? Then it would be a business expense. Thanks.

Is Motorcycle insurance the same price as car insurance or is it cheaper? I had a coupld of friends that have motorcycles and some that have cars. They don't pay for their own insurance but i wanted to know if by any chance if motorcycle insurance is cheaper then auto insurance. I know auto insurance these days are sky high. But since a motorcycle is a lot smaller, shouldn't insurance for it be cheaper for it?

How long does an insurance company need to approve a medical insurance application? My medical insurance has expired and I've just decided which one to buy next. How long does an insurance company need to approve an application and get it activated?? I have no medical insurance right now so I'm kinda worry because of the swine flu.

What is the best health insurance and life insurance policies to go with? What is the best health insurance and life insurance policies to go with? I am recently out of the military and need to purchase an individual health ins policy. However, I am not sure which ones are the best. I am a student, do they offer any good student policies? Also, is the SGLI to VGLI conversion a good change to make? If not, which is better term or whole life insurance policies?

How does health insurance work - when insurance premium can generally increase? If family of two have health insurance, and one of them decide to use it for couple medical procedures will insurance policy premium go up? Please advice. Thanks.

How do we get insurance companies to reduce medical insurance premiums to employers? Let's face it, here in the U.S. the medical insurance premiums for group health coverage is rising faster than inflation. As a result, a lot of companies are either reducing the levels of coverage in order to offset the cost of insurance, increasing the deductible, and or increasing the cost to the employees for the insurance premiums. The problem is that insurance companies have no incentive to reduce insurance premiums. They continue to get record profits and this issue is out of control. How do we get the insurance companies to decrease insurance premiums to the rate of inflation, or better yet, start reducing the cost of premiums for a change?

How much is homeowners insurance in IL for townhome that's not covered by the common insurance? I'm planning to purchase a townhome and the assessments does include common insurance. I've been told it doesn't protect any misc assets I have in my home in case a disaster occurs. I want to factor this into my monthly expense estimates. I'm looking for a purchase price at $200,000. How much should estimate for homeowners insurance? Is it a monthly and annual payment? Thanks

Personal and public liability insurance - Is it possible to get a combined policy? I'm about to set up a small sole trader business in the UK making furniture and I am going to be moving into a small industrial unit which I will be renting. I have been advised by the people who are renting out the unit that I need to get personal and public liability insurance. I have done a few searches on the internet but I can't see any companies that have a combined policy. In other words it seems I have to get two seperate insurance policies for personal and public insurance. Is this right? Or is it the case that public liability also includes personal liability.

What is the best insurance company for my situation? I am 19, never had a driver's license or permit. I don't own a car, and the DMV says that I must have car insurance before I can get a driver's license. I live in NC and I am clueless. The insurance companies keep saying that I need to have a car, but I can't buy a car without a drivers' license and insurance. What to do?

How long does it take an insurance company to issue an automobile insurance policy after receiving deposit? I've been with the same company almost five years. My car insurance is renewed every six months, after I make the required renewal deposit. Like clockwork, I receive the new payment coupons, and temporary insurance card. However, I don't get the permanent insurance card and new policy stating the value of my vehicle, until almost a month later. Sometimes longer. Is this legal? If so, why does it take so long for the agent to issue the new policy, and how will this effect me if I ever disagree with what's in the policy? P.S. I'm not referring to how soon the new insurance is "effective", I'm referring to how soon the new policy is "received". To my knowledge, the policy is renewed immediately for six months after I make the deposit, even though I don't have the new policy, and just the "temporary" insurance card. There has to be some type of law that gives insurance companies a certain amount of time to send out the new policy. If anyone knows please post.

How do I get an insurance rider with no homeowner's insurance? I do not own a home and am hoping to host a wedding reception at a local public library. They will not rent to me unless I have insurance coverage under homeowner's. Well, I don't own a home so I do not have homeowner's insurance. The only type of insurance I have is auto insurance. Is there a way I can still get the type of insurance I need? How much will it cost?

How does car insurance work when driving somebody else's car? I have my own car and insurance company. My girlfriend has her own car and insurance company. Can I drive her car? What would happen if I got into an accident? How much would it cost to be insured with her car? How would that work with 2 different insurance companies? THANK YOU!

Whats the difference between home insurance and rental insurance? for my rental property? Is it a good idea to switch home insurance to rental insurance when a tenant is living in my rental property just in case if they smashed some holes on the wall, or some damages on the property? Where i can compare home insures? Thanks!

My fiancee and I are going from our parents' insurance to buying a new car. How does insurance work here? My fiancee and I are thinking of buying a new car. (2 names on title) Both of us are covered under our parents' insurance, and neither of us have owned a car before. How does insurance work here in terms of transferring to the new car? Do both of us need new insurance? Any other factors or considerations?