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anthonyekoehler · 6 years

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Ditech

Creditors like Ditech cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.

THE BEST PART IS…

If Ditech violated the law, you may be entitled to money damages and Ditech will pay our fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 888-572-0176 for a free consultation.

Who is Ditech?

Ditech is a home loan loan/loan servicing company headquartered in Saint Paul, Minnesota. Founded in 1984, Ditech is currently undergoing a “court-supervised financial restructuring,” according to its site, and is not accredited by the Better Business Bureau (BBB).

Ditech’s Address, Phone Number, and Contact Information

Ditech is headquartered at 345 Saint Peter St STE 600, Saint Paul, MN 55102-4404. The customer service address is 1100 Virginia Drive, Suite 100A, Fort Washington, PA 19034. The main telephone number is 800-700-9212 and the main website is www.ditech.com/.

Phone Numbers Used by Ditech

Like many creditors, Ditech may use many different phone numbers to contact debtors. For an advanced search, visit www.agrussconsumerlaw.com/ and click “Number Search” in the “Lookup” dropdown menu. Here are additional numbers Ditech may be calling you from:

800-666-1143

800-931-6384

855-886-8837

888-400-7750

904-239-3963

Ditech Lawsuits

If you want to know just how unhappy consumers are with Ditech, take a look at the number of lawsuits filed against the agency on the Public Access to Court Electronic Records (“PACER”). PACER lists over 5,400 lawsuits involving Ditech throughout the United States, and there are also likely hundreds of claims filed through the American Arbitration Association. Nowadays, most credit card companies have arbitration clauses, which mean that if you have a complaint with a credit card company, you must file your claim in arbitration. Arbitration limits discovery, is not public, has a limited appellate process, and, most importantly, is funded primarily by the banks and big businesses. While it can be difficult to get a fair chance in arbitration, but the good news is we have filed hundreds of credit harassment cases in arbitration, and we know how to aggressively fight these cases against the big banks and businesses even when arbitration is necessary.

Ditech Complaints

The Telephone Consumer Protection Act (TCPA) protects you from robocalls, which are those annoying, automated, recorded calls that computers make all day long. You can tell it’s a robocall because either no one responds on the other end of the line, or there is a delay when you pick up the phone before a live person responds. You can receive $500 per call if Ditech violates the TCPA. Have you received a message from this agency that sounds pre-recorded or cut-off at the beginning or end? These are tell-tale signs that the message is pre-recorded, and if you have these messages on your cell phone, you may have a TCPA case against the agency.

The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. If Ditech took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. Ditech, like most collection agencies, wants to set up recurring payments from consumers; imagine how much money it can earn if hundreds, even thousands, of consumers electronically pay them $50 – $100 or more per month. If you agreed to this type of reoccurring payment, the agency must follow certain steps to comply with the EFTA. Did Ditech continue to take electronic payments after you told them to stop? Did they take more money from your checking account than you agreed to? If so, we can discuss your rights and potential case under the EFTA.

The Fair Credit Reporting Act (FCRA) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We’ve handled many cases in which a debt collection agency reported debt on a consumer’s credit report to obtain leverage over the consumer. If Ditech is on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay it; this is commonly known as “pay for delete.” If the original creditor is on your report rather than the debt collector, and you pay off the debt, both entities should accurately report this on your credit report.

Several states also have laws to provide its citizens an additional layer of protection. For example, if you live in California, Florida, Michigan, Montana, North Carolina, Pennsylvania, Texas, or Wisconsin, you may be able to add a state-law claim to your federal law claim above. North Carolina, for example, has one of the most consumer-friendly statutes in the country: if you live in NC and are harassed over a debt, you may receive $500 – $4,000 in damages per violation. We work with a local counsel in NC and our NC clients have received some great results in debt collection harassment cases. If you live in North Carolina and are being harassed by a debt collector, you have leverage to obtain a great settlement.

How do we Use the Law to Help You?

We will use state and federal laws to immediately stop Ditech’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if Ditech violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to $1,000 in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorneys’ fees and costs. If you have a TCPA case against the agency, we will handle it based on a contingency fee and you won’t pay us a dime unless you win.

THAT’S NOT ALL…

We have helped thousands of consumers stop phone calls. We know how to stop the harassment and get you money damages. Once again: you will not pay us a dime for our services. We will help you based on a fee-shift provision and/or contingency fee, and the debt collector will pay your attorneys’ fees and costs.

What if Ditech is on My Credit Report?

Based on our experience, some debt collectors may credit-report, which means one may mark your credit report with the debt they are trying to collect. In addition to or instead of the debt collector, the original creditor may also be on your credit report in a separate entry, and it’s important to properly identify these entities because you will want both to update your credit report if or when you pay off the debt.

THE GOOD NEWS IS…

If Ditech is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly: along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or even being a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute it, and my office will help you obtain your credit report and dispute any inaccurate information.

REMEMBER…

If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000, and the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency will pay your attorneys’ fees and costs. You won’t owe us a dime for our services. We have helped hundreds of consumers fix inaccurate information on their credit reports, and we’re ready to help you, too.

Complaints Against Ditech

Here are some of the Better Business Bureau (BBB) reviews and complaints against Ditech:

“For three years we have been sending proof of payment (fax and snail mail) to Ditech for our mortgage because they say we bounced a check. When we send proof it DID NOT bounce, they change the date, so we send proof again…they have changed the date four times. OUR CREDIT IS BEING RUINED! We cannot even refinance with another company because “they” show us behind one payment. We have called numerous times and all they want is to collect what they say we are behind. They haven’t even tried to correct the error in their computer or look at the numerous bank statements and canceled check copies we have sent.”

“Agency continues to report negative false information to the credit bureau each month indicating that my mortgage payment is late when it’s not.”

“Continued to remove funds from my checking account after they sold my mortgage to SLS. Has caused my mortgage to be late with SLS, which has caused me to have negatives on credit report. Sent me a check 4 months later that was so illegible the bank could not scan. No phone calls back, no replacement check either!”

What Our Clients Say About Us

Agruss Law Firm, LLC, has over 830 outstanding client reviews through Yotpo, an A+ BBB rating, and over 110 five-star reviews on Google. Here’s what some of our clients have to say about us:

“Michael Agruss handled two settlements for me with great results and he handled them quickly. He also settled my sister’s case quickly and now her debt is clear. I highly recommend Michael.”

“Agruss Law Firm was very helpful, they helped me solved my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!”

“Agruss Law Firm was very helpful to me and my veteran father! We were harassed daily and even called names for a loan that was worthless! Agruss stepped in and not only did they stop harassing, they stopped calling all together!! He even settled it so I was paid back for the problems they caused!”

Can Ditech Sue Me?

Yes, Ditech can sue you. Ditech can hire a lawyer to file a breach of contract lawsuit against you for the underlying debt, fees, and costs. If you’ve been sued by Ditech, do not ignore the lawsuit; you may have defenses. If you ignore the lawsuit, default will be entered and the agency may seek to garnish your wages. If you receive notice of a lawsuit, contact an experienced attorney as soon as possible, even if you intend to represent yourself pro se. If Ditech has threatened to sue you, contact Agruss Law Firm as soon as possible; we’re here to help.

Can Ditech Garnish My Wages?

Yes, if Ditech has a judgment entered against you. If Ditech is currently garnishing your wages or threatening to do so, contact our office as soon as possible.

Ditech Settlement

If you want to settle a debt with Ditech, ask yourself these questions first:

Do I really owe this debt?

Is this debt within the statute of limitations?

Is this debt on my credit report?

If I pay this debt, will Ditech remove it from my credit report?

If I pay this debt, will the third-party debt collector remove it from my credit report?

If I pay this debt, will I receive written confirmation from Ditech confirming the payment and settlement terms?

These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay-for-delete, or any other legal issue with Ditech, we at Agruss Law Firm are here to help you.

Top Debt Collection Violations

Debt collection laws provided a laundry list of what collectors can and cannot do while collecting a debt. Based on our years of experience handling thousands of debt collection harassment cases, here’s what collection agencies most often to do to violate the law.

Called you about a debt you do not owe.

Called you at work after you told them you cannot receive calls at work.

Left you a message without identifying the company’s name.

Left you a message without disclosing that the call is from a debt collector.

Called third parties (family, friends, coworkers, or neighbors) even though the collection agency knows your contact information.

Disclosed to a third party (family, friends, coworkers, or neighbors) that you owe a debt.

Contacted you after you said stop calling.

Threatened you with legal action (such as a lawsuit or wage garnishment).

Called you before 8:00 AM or after 9:00 PM.

Continued to call you after you have told the collector you cannot pay the debt.

Communicated (phone or letter) with you after you filed for bankruptcy.

Failed to mark the debt on your credit report as disputed after you disputed the debt.

Frequently Asked Questions

Do I have to pay your fees and costs for helping me with my consumer rights case? No. We handle consumer rights cases based on a fee-shift provision and/or a contingency fee. That means, either the other side pays your fees and costs, or we take a percentage of your recovery. Whether it’s a fee-shift case or a contingency-fee case, we don’t get paid unless you get paid, and you’ll never owe us a penny for our time.

What are the damages under the Telephone Consumer Protection Act? You can get $500 per robocall, or $1,500 per robocall if the robocalls were willful. In any type of settlement, often times Defendants pay much less than $500 per call. However, if there are 50 calls at issue, even at $250 per call, your case could settle for $12,500.00.

Are there state laws that protect me from original creditors? Yes! Several states also have laws that provide its citizens an additional layer of protection. For example, if you live in California, Connecticut, Florida, Kansas, Massachusetts, Michigan, Missouri, Montana, North Carolina, Nevada, Oklahoma, Pennsylvania, Texas, and Wisconsin, you have additional state-law rights.

What type of debt is covered under state laws that protect me from original creditors? Only consumer debt, such as personal, family, and household debts. For example, money you owe on a personal credit card, an auto loan, a medical bill, or a utility bill. State laws usually do not cover debts you incurred to run a business, or debts regarding unpaid taxes, or traffic tickets.

Does the Fair Debt Collection Practices Act apply to banks or credit card companies? No. Only third-party debt collectors are bound by the FDCPA. That is, original creditors, such as credit card companies and banks are not bound by the FDCPA.

Are mistakes on credit reports common? Yes! Are you one of the 40 million Americans that have a mistake on their credit report? Mistakes on your credit report can be very costly. Along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stalContact Agruss Law Firm at 888-572-0176 to stop the harassment once and for all. collection accounts, or maybe you were a victim of identity theft.

What do I do if I have a mistake on my credit report? If you have a mistake on your credit report, there is a process to dispute them. My office will help you pull your credit report and dispute any inaccurate information. If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (“FCRA”), you may be entitled to statutory damages up to $1,000.00, plus the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision. This means, the credit reporting agency pays your attorney’s fees and costs. Therefore, you will not pay me a penny for my time. To speed up the process, please get a free copy of your credit report at www.annualcreditreport.com. You can also learn more about the FCRA and your rights at http://www.agrussconsumerlaw.com/practices/common-credit-report-errors/.

Share Your Complaints Against Ditech Below

We encourage you to post your complaints about Ditech. Sharing your complaints against this agency can help other consumers understand what to do when this company starts calling. Sharing your experience may help someone else!

HERE’S THE DEAL!

If you are being harassed by Ditech over a debt, you may be entitled to money damages – up to $1,000 for harassment, and $500 – $1,500 for illegal robocalls. Under state and federal laws, we will help you based on a fee-shift provision and/or contingency fee, which means the debt-collector pays your attorneys’ fees and costs. You won’t owe us a dime for our services. We have settled thousands of debt collection harassment cases, and we’re prepared to help you, too. Contact Agruss Law Firm at 888-572-0176 to stop the harassment once and for all.

The post Ditech appeared first on Agruss Law Firm, LLC.

Ditech published first on https://agrusslawfirmllc.tumblr.com

#Debt collection law #consumer law #Debt relief

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agrusslawfirmllc · 6 years

Text

Ditech

Creditors like Ditech cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.

THE BEST PART IS…

Who is Ditech?

Ditech’s Address, Phone Number, and Contact Information

Phone Numbers Used by Ditech

800-666-1143

800-931-6384

855-886-8837

888-400-7750

904-239-3963

Ditech Lawsuits

Ditech Complaints

How do we Use the Law to Help You?

THAT’S NOT ALL…

What if Ditech is on My Credit Report?

THE GOOD NEWS IS…

REMEMBER…

Complaints Against Ditech

Here are some of the Better Business Bureau (BBB) reviews and complaints against Ditech:

“Agency continues to report negative false information to the credit bureau each month indicating that my mortgage payment is late when it’s not.”

What Our Clients Say About Us

Agruss Law Firm, LLC, has over 830 outstanding client reviews through Yotpo, an A+ BBB rating, and over 110 five-star reviews on Google. Here’s what some of our clients have to say about us:

“Michael Agruss handled two settlements for me with great results and he handled them quickly. He also settled my sister’s case quickly and now her debt is clear. I highly recommend Michael.”

“Agruss Law Firm was very helpful, they helped me solved my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!”

Can Ditech Sue Me?

Can Ditech Garnish My Wages?

Yes, if Ditech has a judgment entered against you. If Ditech is currently garnishing your wages or threatening to do so, contact our office as soon as possible.

Ditech Settlement

If you want to settle a debt with Ditech, ask yourself these questions first:

Do I really owe this debt?

Is this debt within the statute of limitations?

Is this debt on my credit report?

If I pay this debt, will Ditech remove it from my credit report?

If I pay this debt, will the third-party debt collector remove it from my credit report?

If I pay this debt, will I receive written confirmation from Ditech confirming the payment and settlement terms?

Top Debt Collection Violations

Called you about a debt you do not owe.

Called you at work after you told them you cannot receive calls at work.

Left you a message without identifying the company’s name.

Left you a message without disclosing that the call is from a debt collector.

Called third parties (family, friends, coworkers, or neighbors) even though the collection agency knows your contact information.

Disclosed to a third party (family, friends, coworkers, or neighbors) that you owe a debt.

Contacted you after you said stop calling.

Threatened you with legal action (such as a lawsuit or wage garnishment).

Called you before 8:00 AM or after 9:00 PM.

Continued to call you after you have told the collector you cannot pay the debt.

Communicated (phone or letter) with you after you filed for bankruptcy.

Failed to mark the debt on your credit report as disputed after you disputed the debt.

Frequently Asked Questions

Share Your Complaints Against Ditech Below

HERE’S THE DEAL!

The post Ditech appeared first on Agruss Law Firm, LLC.

#Debt collection law #consumer law #debt relief agency

0 notes

spookyenemyperson-blog · 6 years

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mass mutual disability insurance quote

"mass mutual disability insurance quote

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Car Insurance Question?

I am 17, have my license with no restrictions and I live with my parents who have 5 registered and insured cars. By law am I required to have insurance since I am a minor with a non restricted license? My parents will let me drive with them uninsured but How is it different if I drive alone? Insurance stopped covering me 6 months ago when I had to drive with them on my permit, and my mom never put me on the policy. I am also the only junior in my school who can drive but doesn't because my parents are hiding me. Do I by law need insurance because I have a license as a minor and have registered and insured cars in my household?""

What happens if you drive in Texas without auto insurance?

How much would car insurance be?

How much would car insurance be for a 19 year old male first time driver driving a car cost around 1200 1.2l engine

Car insurance for learner driver?

I am a named driver on my girlfriends fully comprehensive insurance policy. Does she have to sit next to me or can anyone who is over 25 and has held their license more than 3 years able to sit next to me if they do not have their own insurance?

Why do we care about the people who have no health insurance?

they chose not to get insurance... they chose to by 200 dollar shoes over health insurance.. why do i have to pay for them?????? why am i responsible for someone elses well being? i thought adults were good on their own. i would pay taxes for sal healthcare for ALL children but the adults can go **** themselves who dont have it. its not my problem. i dont have many things that i want to get... i dont see anyone else buying the things i want...

CAR INSURANCE FOR 20 year old with G2?

I live in scarborough toronto and I'm paying my auto insurance $450/month for 2000 Oldsmobile Intrique. You guys know any better and cheaper insurance companies? Additional info: I'm 20 male Scarborough Have G2 and certificate insurance for 2000Oldsmobile intrique. PLEASE HELP!!

Do you need car insurance to get your permit in New jersey?

Insurance or out-of-pocket?

The bumber and trunk of my new 2006 Honda Civic was hit by someone unknown when my car was parked in a lot. The damage is a sizeable dent. How much will it cost for a repair in the dealership? Is it better to pay it myself or let the insurance do it (worry about increasing insurance rate). Any other ideas will help? Thanks

Taking maternity leave in California - delivering baby in another state?

I live and work in California. My mother live is Florida. She is going to be a huge help with the newborn and I'd like to go to Florida as soon as I can get a maternity leave through my job and deliver my baby there. I'm not a Florida resident...I'll be there just to deliver my baby and until the baby can fly back to Cali. Will I have complications when i apply for the California maternity leave? - Although I still live and pay my taxes here?!

Price of car insurance 18 years old?

The cheapest quote for car insurance I have had is 5000 for a 1.0L Toyota Yaris, TPFT, kept in a garage overnight, the car is only worth 1000. Am I doing something wrong?? 5000 is just rediculous, Im not even going to bother with lessons yet. What is/was your insurance cost for this age?""

Can i get affordable baby health insurance?

ready to have a baby soon but husband insurance would go from 250 to 700 a month (can't afford 700) if we have a baby but if me or the baby gets our own insurance somewhere it would be 250 but i have some health issues so i can't get my own insurance (i get denied everywhere, my job doesn't offer health insurance) so when i do get pregnant and have a baby can i get affordable insurance by it's self?I live in Colorado, will not use government help PLEASE DO NOT WRITE BACK IF YOU DON'T KNOW WHAT YOU ARE TALKING ABOUT OR SAY SOMETHING DUMB OR USELESS THANKS!""

mass mutual disability insurance quote

Good but cheap car insurance?

Im 17 and just got first car, it's a 2004 Mini Cooper 1.6 and now im looking for insurance, but not sure on what one to go as there is so many out there. I want some cheap and good (and easy to join) but i haven't got a clue about what to go on as i know nothink about insurance so i need a bit of help....... What would be a good and cheap company to join to? and also how much would it cost?""

How can I get health insurance with diabetes?

My boyfriend has Type 1 diabetes and just lost his job (and health insurance). We have been looking around for other health insurance, but basically no one will cover him because he takes insulin. If he continued with his job's health plan it would increase to over $500 a month! Our U.S. health care system sucks!! Do you know of any health care providers who would cover this?""

Need cheap insurance?

i need insurance 4 missus 24/f/bham housewife just passed first car 1.4 pug 106.

1.4 engine and 1.6 engine whats the difference in insurance?

My husband has passed his test and is looking for a car is the insurance more on the different size engines he wants a 1.6

Have you ever gotten a car insurance quote online in Illinois?

how easy was it to get the quote? was the process confusing at all? Did the site explain what coverages you needed and why you needed them?

How many times can you change your car on an insurance policy?

I buy and sell cars privately but I'm too young for trade insurance. Someone told me I'm not allowed to change cars on one insurance policy too many times as they will cancel my policy. Is this true? And how many times can I change cars on my insurance? Thanks in advance!

Afordable health insurance for a person diognotis hep-c?

helth care provder

Are there other ways to get your car back from the insurance company?

i went to pay my insurance company and they when i payed it they wanted my i.d so i was looking for my license where it was no where to be found so i looked for it around my entire house from top to bottom and the company refuses to give my car back untill i have some type of identification....i cant fin dit anywhere ANYWHERE! is there any other way? social security, birth certificate something!?""

How much Would motorcycle insurance be for a 16 or 17 year old be?

I am thinking of getting my M1. I live in Ontario Canada. Yes, I know it is dangerous, thanks for the concern..... I am taking safety classes and everything I can to be safe. I am probably getting around a 2000 kawasaki Ninja. I am a Male. I am just trying to get a ball park for insurance for me. Also just a little bit off topic, but what other expenses when starting up. Like sighning it over Legal fees? Do I need to get is saftied again? I wouldn't want Collision for my bike and all that as I am buying a cheap starter bike, and I work at a Collission centre and can have it fixed for cheap, so the price of collision on each bill would be a waste. Thanks everyone

""Ford Crown Victoria Insurance, and Gas cost?""

For you crown vic owners, I want to buy a 2001 Crown Victoria. Is it a real gas eater or what? How much do you think the inssurance would be for a 18 yrs old men? I like them crown vics, except when it comes time to be in the back of them in handcuffs.""

Whats a cheap insurance car to buy?

I just turned 18 and just passed my driving test, so i want to buy a car since i'm the only person in my home whole has a driving license, but i want to buy a car that will be VERY cheap to insure. So many people have told me different things and I'm really confused.""

How much does motorcycle insurance cost?

I'm 17 and live in the Ann Arbor area in Michigan. I'm looking at buying a Kawasaki Ninja 500, and was wondering how much insurance would cost for it?""

Insurance - Cheap Car?

hello, my sister has just passed her driving test & she's wanting a cheap little run around. a ford ka 1997. She's seen one for exactly 300, and they're allowing her to go view it tomorrow. the reg is - 13 jan 1997 it's a petrol engine size - 1,299 cc does anyone know how much insurance will cost on it? & how much tax/mot costs on it? thankyou..""

Auto insurance question?

I had full coverage on my auto policy. My car is at a point where I'm not going to fix it because it would cost more to repair then to replace. However, I'm not going to replace it at this time. My question is, since I will be renting cars at least twice before I get a new car, how do I handle my auto insurance? The policy currently covers rental cars, and is cheaper than the insurance the rental company offers, so I'd like to keep it. should i go ahead and cancel my auto policy, even though I will be driving other cars before i purchase another?""

Can i drive my car without insurance for the time being in California?

I'm 16 and i just got a new car yesterday. My parent's have already added my name to their insurance, but that was before they bought me a car. Can i legally drive without insurance for the time being?""

Car Insurance.?

Does anyone know if there is a temporary car insurance you can get, so you only have to pay for it when you are driving the car. My car insurance is $150/month for plpd(partial), it is the cheapest there is, and my car is only worth around $2000. I only drive my car once a month for a 70 mile round trip. I just think its a lot to be paying $150 for a 70 mile trip. More than $2 a mile just for the insurance seems like quite a bit to me. There is no taxis or public buses where I live, and I dont want anyone else to take me. I am only interested if someone can give me information about the insurance. And a motorcycle wont work. Thanks.""

2003 G35 Maintenance fee and a estimate insurance price in nyc?

Want to buy a used 2003 G35 but would like to know the Maintenance fee and a estimate insurance price in nyc? ok I'm a 19 year(soon to be 20) old black college student who lives in Brooklyn, NY and would like to know how much it would cost me to maintain an insure a 2003 used G35 with about 40k- 80k miles? I've been driving for lets say a year now and live in a urban area, which i will be commuting back and forth to work, school and home.""

Can you have a Drivers license without a car and insurance?

I'm asking this because I'm 20 (I will be 21 next week) I live in Arizona, I have the Asperger syndrome. when I was 16 I took the permit test and failed it and never attempted it again until last Monday and failed by one question, took it today and passed, because I have Asperger syndrome I was not interested in driving but tried the permit test when I was 16 and failed and my brother talked me into trying it again last Monday failed tried again today and passed, now I'm interested in driving. I live with my parents and I receive SSI income of $350 a month and have no job. that last sentence is the reason why I asked this question. will it cost anything (if so how much a month) to have a license and not own a car or have insurance""

Whats the best vintage muscle car on insurance for a 18 year old?

ive heard that if a car had a smaller engine, 4 door instead of coupe etc. it would be cheaper on insurance. So i want to know what muscle car would be cheapest on insurance for a 18 year old.""

Life & house insurance on rented?

If you are moving into a rented property how does life insurance work as it usually goes against the cost of the home as it is paid off? Also, what about house insurance, would you just need contents insurance and take off building insurance as that is covered by the landlord isn't it?""

""How much will insurance cost for a mazda RX-8, 2004?""

I am 17, 18 in December but I was wondering how much it would cost for insurance per month and annual since I am a teen?""

Would a warrant for a no insurance ticket affect me in california from minnesota?

Insurance company won't give me enough money to fix my car or get a new one-- what do I do?!?

I got into a car accident a week ago, a truck driver backed into me while I was just stopped at a stop sign. He admitted it was his fault, I had witnesses that supported my story, and his insurance is willing to pay me, BUT since my car is a 1996 Corrolla with almost 200,000 miles on it, the cost of repairing the hood and fenders and everything exceeded the amount my car is worth. Their estimator said the amount of damage is about $2500, so they consider it totaled. Now the choices they are giving me are that they'll take the car and give me $1700 (which won't be enough to get another car), or let me keep the car and give me $1200 (which won't be enough to repair it). I think this is really unfair since the accident wasn't my fault at all and now I'm being told I'm going to have to pay to either get a new car or fix my old one out of my own pocket, but I've tried arguing with them to raise the amount they're going to give me and they say they're not legally required to give me any more money than what my car was worth. Is there ANYTHING I can do? I'm a poor college student and really have no money to be spending on something that I couldn't help :(""

Cost of getting Insurance under parents car?

Hi im 17, living in Ireland and I want to get insured under my mothers car which is a 2005 skoda octavia with the 1.4 liter engine does anyone know how much it would cost because ive been saving up but not sure I have enough. also I only have a provisional license. thanks""

How soon do I need auto insurance after getting my Driver's License?

I'm going to be getting my Drivers License for the first time in a week (I am 16), and I was wondering how soon after I get my license do I need to have auto insurance to drive legally? I'd like to be able to drive the day I get my license, but my parents don't want to add me to their insurance plan beforehand with the possibility of me failing the exam. Is their any kind of grace period that allows me to drive the day I get my license so I can wait until after I complete the test to purchase insurance?""

mass mutual disability insurance quote

Car Insurance help for new driver?

I just passed my test yesterday. I have a Vauxhall Corsa active 16V 1.2 2004(3 Door). I asked my friends who have recently passed how much they got on their insurance. One of my friends got 1100 on a 9month deal (Direct Line) on their 2009 VW Golf. And another one of my friends also on direct line got 1300 on their Ford Fiesta (X reg). When I come to get my quote they range from 1900-3000!! I've added near enough the same details. Mother main driver, fully comp all that. So I want to know is what is it that's allows them to get cheaper car insurance? Or is there something I'm doing wrong? Perhaps suggest another insurance company (I've looked at most). But any advice would be most appreciated. Young driver wanting to have his freedom.""

Do i need insurance to get a title transferred into my name?

I just bought my first car, and i have never had insurance. i live in pennsylvania, so can i go the the title transfer place and get it done without insurance? ill get insurance the next day, but insurance companies will not accept me until the title is transferred?""

How much wil I have to pay the first time wen I go set up my car insurance?

Ima buy a used car this week for about 2 thousand. Nd I wanna go put insurance on it but how much will I have to pay wen I go.

Whats a good insurance?

I need a good insurance. Im looking for medical,dermotalogyst,chiro etc... Any info please help?""

Car Insurance: Driving Parents Car?

I have Insurance With State Farm on my vehicle. Currently it is being repaired and I have no car. I need to drive a car to get to work and school. They have State Farm also, but on a different policy. Both Insurance policies say Uninsured motorist on the card. I live in North Carolina (insurance is required) Could I drive my parents car? If I get pulled over what will happen?""

""Insurance for 17 year old , group 5 . ARGH!?""

Im buying a saxo 1.4i Furio and its in insurance group 5 I was just looking for the best ways/insurers/policies/discounts/offers that i can get I got quoted something stupid like 3300 TPFT online for a frickan 1.4!!!! I know for a fact it goes WAYY cheaper than that seein as i know a first time driver on his own policy that drives a saxo VTR insured for under 2000! I just dont know how to go about gettin the quote below 2000 Can someone PLEASE please help me. I know i have to shop around . but i dont know where or who to go to. and what to do when i get there! Experianced advice, examples and prices you have had on similar sized engines for your first car would be a magic help! Thanks""

New car insurance with only a learners permit?

I am a 16 year old student that lives in the state of florida. Ive had my learners permit for a year and my sister gave me as a gift her old car. I dont have anyone to ask so im asking you guys.. I want to get my operators license but i was in an accident in california a few months back with the other person involved at fault (i am a florida resident) Will that affect my car insurance rate? Will it affect my chances in getting my operators license? Please lend me your knowledge i need to know! ..Thanks.

How much did your car insurance go up after you claimed?

I had a single vehicle accident, my car may be beyond repair and I've no chance of getting my 1st yrs no claims now. How much did yours go up after you claimed?""

What does Term Life Insurance mean with no surrender value?

If I had a 15 year Term Life Insurance at $100,000. with no surrender value. What would it be at the end of 15 years. Can I collect the full amount on this type of insurance?""

49cc scooter insurance? license? im 16 in Alaska?

what do i need to drive a 49cc scooter in Alaska? i am 16 and have a instructional/ learners permit only. also how much will minimal insurance cost? thanks! :)

How can I afford car insurance?

I'm under 25, and I'd like to buy a cheap car. Over a 6 month period, the insurance will cost much more than the car itself!! So is there a point to getting a car?""

I hit someones car (My first accident)?

I was pulling out and hit another car I was going under 5km/h backing up and I cut the wheel to much and hit a parked car How much is that gonna cost me We are not going through insurance How much would it cost to paint it

Affordable healthcare in Virginia?

My current healthcare that I have through my employer sucks. It is way too expensive and not very good. My deductible so high and since I recently added my baby, it's even higher. I am now looking into a different insurance provider that is affordable and provides good service and benefits. Any suggestions?""

How much will my insurance be every month?

I am 19 years old. I live in Lufkin, Texas, USA. I make around $24,000 a year. I have good credit and I am about to purchase a 2005 Honda Civic Coupe, 2-Door. The dealership says I need to have full coverage insurance on my new car, about how much am I looking at each month?""

Insurance on a moped (under 50cc)?

i am interested in buying a 50cc or less moped, geared or not geared, it doesnt honestly matter. but i dont have a clue how much the insurance for it could be. could anyone give me a rough estimation of the cost of insurance of this moped, as i am 16. can anyone help?""

Loans for older/classic cars?

Any banks or financial institutions out there give loans for older cars? I know most banks only give loans for cars less than 5-6 years old, but I want something in good condition that may appreciate in value, or at least not depreciate so long as I take care of it. But I do need a loan. Links to companies that do these kinds of loans will get you a best answer.""

Young new driver getting car insurance?

Okay so i got my license January of this year and i am starting college. i already took a college class last semester while i was in high school. i heard you can send in your grades if their are good to reduce the bill. i lost my high school report card but i was wondering if i can request my college transcript ( which is one class) i got an A in it and i have a 4.0 so can i send that in to reduce the bill. and if not any other suggestions to reduce my car insurance? PS i have AAA and am going to be under my parents insurance

Do insurance rates go up when you break off a side mirror?

backing out of the driveway, I broke off my side mirror, the car is fine but the mirror cracked off, surprisingly the mirror itself didn't break nor was the exterior scratched.. it just cracked off. Anyway, do you know how much it will cost to replace and if my insurance rate will go up? thanks..""

I`ve just passed my driving test at the age of 25 anyone know of any cheap car insurers?

I`ve just been given a suzuki swift, anyone know of any cheap insurance companies, as i`ve been quoted some stupid prices.""

Help!!!!!! Mom is sick and has no insurance?

okay so my mother is really sick, she is 53 years old and needs medical attention. However, she doesn't have insurance and she has to pay everytime she goes to the doctor. She has severe anemia and needs to take procrit which is like$600-$700 and she needs to take diabetes, hypertension, thyroid medicine. We live in California.. i don't know what to do,,,someone help!!!! please..""

Cheap auto insurance? Where is a good place to get cheap auto insurance?

Where is a good place to get cheap auto insurance? Im a 22 y/o that lives in CA. I need full coverage (liability, collission and comprehensive) on my 2003 Honda Civic. My driving record isnt too bad.""

Provisional insurance for young driver?

Looking to get insured on my mums car but my mums insurance company wont put me on her insurance,,,, could i get insured by a company such as provisional marmalade? Any other suggestions?""

Car Insurance Rates?

I am a 19 year old college student in VA. Currently my parents pay for my car insurance and cell phone bill. I would like to pay these on my own and was wondering what I could expect to pay for my insurance. I know that rates are highest for young single males, but I have had my license for 2 years, and I haven't had one speeding ticket or citation or anything. I haven't even been pulled over. So my record is good. Also, I have been in no accidents. So, what could I expect to pay? Thanks!""

How much money would I save on car insurence?

I have a 16 year old who I am debating whether I should put him in driving school to save money on insurance when he turns 17 and gets a licence. It would be added to my insurance. about how much money would I save on car insurance with a behind the wheel driving school in New Jersey? Please dont give me wbsites with a free quotes.

How can you find out a property owner's insurance company?

Can you sue the owner for violent acts of a minor who lives on their property as well as the violent act physically occuring on their property? My daughter was jumped from behind and beat violently in the head. The girl recieved a ticket yet my daughter had to go to the hospital. Now she is afraid to go to school. The attacker is in her class.

mass mutual disability insurance quote

https://www.linkedin.com/pulse/should-i-consider-getting-pet-insurance-alexander-gibson/"

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Canceling car insurance?

"Canceling car insurance?

I paid my car insurance for a year but I have started a new job that I get a company car. If I cancel my car insurance will I get some money back?

BEST ANSWER: Try this site where you can compare quotes: : http://saleinsurancequotes.xyz/index.html?src=tumblr

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Can a family friend put me on their car insurance?

So i live in the state of california. I have had my learners permit for more than six months now. I want to get my drivers license but due to the economic crisis my parents aren't able to pay every month to have me on their car insurance. A family friend has offered to put me on their car insurance, but what my parents want to know is if that is legal in the state of california or do I HAVE to be insured by my parents?""

Driver Education/Insurance Rate Information?

For my Driver Education class, one of the assignments goes as follows: Call a local vehicle insurance company and ask if you can take a few minutes to ask some questions. Ask what the insurance rates will be for you when you are ready to drive. Also, ask what the rates would be for someone your age who is not taking any driver education classes. What will the rates be when you are 25 years old? What are they for a person without driver education? What are they for someone convicted of driving while intoxicated? If anyone could spare me the phone call, it would be greatly appreciated.""

Where can I find information about a career in Insurance Sales ?

Where can I find information about a career in Insurance Sales ? Which of the three fields ( life, health, or property ) would be compatible with working from my home office ? How difficult is the California State exam to get licensed ? Is it possible to earn residual income in all 3 fields ? Thank you for your help.""

Life Insurance for Children?

My husband wants us to get life insurance for our three kids. It's through Globe Life and is called the young American plan. It's a whole life insurance policy. I'm not ...show more

How to Buy Auto Insurance Online?

Can I pay for my auto insurance online?

What is the yearly insurance rates for a street bike/rice rocket?

Auto insurance for a Ford Mustang vs. Honda Accord?

I am a 16 year-old female who currently has a 4.4 GPA. I took drivers ed when I was 15 to get my license. I heard that cars are ridiculous to insure for young drivers, especially ...show more""

""My family has health insurance but, no dental where can we go to get low cost dental insurance?""

My family has health insurance but, no dental where can we go to get low cost dental insurance?""

If you get disability do you lose your health insurance?

I live in Tennessee and I have PHP health insurance. I am thinking about trying to see if I could get disability because of my many health problems. I am wondering since the government pays for my health insurance and I get approved would I lose my PHP?

Are SUV's usually high in insurance for teens?

I've been told that I should wait a little longer before i can get a faster car, and I was just wondering whether insurance for an suv would be high, in my case, for an inexperienced driver, (16). Parents are thinking of buying an Fj cruiser and willing to give it to me when i get my liscense.""

Whom has the cheapest car insurance?

asking for my sister's boyfriend as his just went up very high in price and he is not too happy about it and looking for another ..thanks..

Where I can get best auto insurance rates ?

Please find me a good web site to get some details about best auto insurance rates . For my research this data will be useful to me. thank you

Is my car going to be declared a total loss by the insurance company?

About 2 weeks ago I was involved in a car Accident which was not my fault. The driver made a left turn and hit us while we were going through the intersection. Both airbags on our vehicle were deployed and there was damage to our driver side tire area. Our vehicle is a 2003 Dodge Neon and was in great condition before this. Here is a picture of it from the accident. http://img683.imageshack.us/img683/5751/15662047433344321352910.jpg Are they going to declare this car a total loss? If so, how much do you think we will get?""

I got my 1998 hyandai elantra tataled how much should i get from the insurance company?

it has 119000 miles on it but is still in good condition and has no recorded crashes or anything on it well until now that is. and the totaling was not my fault

Any experience of Swift Cover Car Insurance???

I am with Diamond at present and despite being with them for 6years and having 5years NCB their renewal quote is very high. I am potentially downgrading from a 2.8 TDX 4x4 to a 1.2 SXi Corsa and the reduction is only 30!! I looked on confused.com and Swift cover seemed to have a good rate (i know the really cheap ones on there are not so good- high excess etc). I looked on the website and it seems pretty good with only 100 excess compared to 150 with Diamond. Has anyone used Swiftcover for insurance before and would they recommend them or not??? Thanks : )

Getting a license increases car insurance?

When applying for a drivers license for the first time, i was wondering if it increases a person's car insurance; even if the person that is getting the license doesnt have a car, and is under the age of 18.""

Is a car dealership allowed to let you drive off the lot with liability insurance?

I am in quite a situation, I financed a 2004 Ford Mustang 40th Anniversary Edition car from a local car dealership in South Carolina. When I got my loan they told me my payment would be 261.00, I told them I wasn't familiar with what sort of insurance I needed and they offered to set it up for me. They called Geico and then told me my insurance would be 150 a month, I got out a pen and added 261 and 150 and decided to get the car because it fit into my budget. 4-5 months later I get a letter from the bank telling me I have the wrong insurance and I need full coverage which will cost me about 520 a month instead of 150. I can't afford that insurance and the lowest quote I can get is for 380 which is still to much. My question is, is this a matter I could get a lawyer and sue over? My credit is completely destroyed now because I can't afford the car / insurance so I can't just trade it in and get a new car financed. I also have no one to co-sign for me. 10pts to most helpful ans.""

Is my roommate in trouble for auto insurance fraud?

My roommate has been commiting auto insurance fraud for the past 7 years. She registered her car in Georgia even though she's been living, working, and driving in NYC for the past 7 years. Somehow the auto insurance company found out. In NY auto insurance rate fraud is I THINK a federal offence now. So I told my roommate that even though they can proove she's been living and working in NYC for the past few years they can't proove that her car has been here the whole time too. So she should be a-ok and not worry, right? Obviously they will make her start paying nyc rates, but since they can't make her pay for the past 7 years because proof of employment and living here doesn't proove she's been driving to work every day here too right?""

Will you refuse to buy healthcare insurance?

just to stick it to Obama?

Insurance company won't cover me because my wife is pregnant?

I'm on a 90 day waiting period to get insurance by my employer, so I tried to get a short term one to be covered in the meantime one but they wont cover me because my wife is pregnant. can they do this what are options... i'm in Illinois. Thank you""

Is it illegal if someone else pays for my health insurance?

I lost my job last month, and I need to know if there would anything illegal or wrong if say a relative paid for my health insurance until I get a new job? The insurance is through this new Affordable Care Act program.""

Which Life Insurance policy best?

Can someone suggest(help) me in advice which Life Insurance policy is best and with Tax benefits, Im planning to get a policy in future""

About a car insurance..?

I've just got an instruction permit and wanna take a spin for the first time. But I'm concerned if it's ok to drive a car without my own insurance. The car is my mom's and I'm not sure the car itself is insured or she is.

Is insurance higher on a bmw then other cars? Even if it's a old sedan bmw?

Looking for a used car. Found a 2000 bmw 325i. Dads FREAKING OUT saying the insurance on it would be way higher then other cars because it's a luxary sports car even tho it's old as dirt. and doesn't go fast AT ALL.

Lamborghini insurance for 16 year old?

I know it sounds farfetched but as of right now I'm 14 and have been saving up for a Lamborghini for around 7 years now. I have much more money than I ever expected I would have to be honest and I still have 2 more years of saving before I can get my liscence. So anyway... on to the actual question. I need to know about insurance. How much would it be? I know it's gonna be near impossible for me to get insured but let's just say by chance a company decides to do it. Anyone have any estimates? Or would I be better off waiting till I'm older to purchase the car?

Canceling car insurance?

I paid my car insurance for a year but I have started a new job that I get a company car. If I cancel my car insurance will I get some money back?

Can you register for car insurance as an LLC?

Does comprehensive insurance cover damage to my car if i wasnt driving the car?

My friend(who is not listed as a driver under my insurance) was driving my car when the passenger front tire fell off.There was damage to the right front of the car.Will my comprehensive insurance cover my claim.

What would be the insurance rates for a 16 year old with aford maverick?

I have good grades no felonies pretty much no anything. How much would it be for a 1971 ford maverick

""For car insurance rates, does the amount of the claim matter, or is it just that you had a claim?""

Wondering about how car insurance premiums work. I just got into an accident this morning. I rear-ended someone so it was my fault. When we file a claim to fix her car, is it worth it for me to get mine done as well? Or will getting mine fixed cause my premium to go up even more when its time to renew?""

If i was to buy a 1.4litre car would my insurance be cheaper than what it is just now?

I am driving a 1.6litre at the moment

How much (estimate) would car insurance on a Dodge Challenger se r/t & srt8 be for a 18 year old boy?

I want to know the estimate on a dodge challenger srt8 se r/t and see what the differences are in price. Guessing the srt8 is gonna be alot!!! please just estimate. THANK YOU!

Mustang GT Insurance Prices?

Does anyone know how much it would cost on insurance for a brand new Ford Mustang GT?

Free car insurance offers?

Does anybody know of any car companies that are currently offering one years free car insurance when you buy a new car in the UK?

How much would it cost for insurance for a c6 corvette Z06?

it can be an estimate or an average?

Car Insurance?

Is it normal for a car insurance company to send a questioner to it's clients who had an accident? They asked the same questions I told them on the phone and I had to get the form notarized to send in with my answers. They we're asking what time, where it happened, who was I with, did I ever file a claim before, and the last two pages had to do with fraud.""

Can anyone tell me how good this insurance is?

I recently got Reliance Standard insurance..can anyone help me figure out the copay? I went to the website and can't figure it out..

Motorcycle Insurance Companies Question?

My father has his bike insured with a certain company. Another company has cheaper insurance for me on that bike than his does. Is it possible for me to buy my own policy from a separate company without affecting his coverage?

Student health insurance?

Our son is going to United Kingdom for his Masters, we have health insurance thru my company but it covers very little over there, should we take out a student health insurance plan on him over there?""

Is there insurance on a person instead of a car?

What I mean is can you have insurance for say me to drive any car. If I drive my car I'd be insured if I drive your car I'd be insured if I drive my girlfriends car I'd be insured. Does such a thing exist because I heard something about it from a friend but I'm not sure what it is or where to find it. Help?

Should iclaim through the car insurance?

My mother in law was driving my wifes car on our insurance pollicy. She was hit on the passenger side of the car and puched in to the roundabout by the cab on a 14 wheller. MY mother in law was not to blame as the lorry was in the wrong lane and there are witnesses who saw the accident. The car is a 1996 renault clio and there is some heavy denting and scratches on the passenger door and front wing. Nothing that has effected the driveability of the car to my knowledge. since the car was pushed up over the kerb and on to the roundabout it could have knocked the tracking a little. I dont know how much it will be to repair but the car is only worth about 600 and the insurance policy on this car has an excess of 350 cause it was the named driver who was driving and not my wife. There also is no protected no claims bonus. If i was to put this claim through the insurance how would this effect the pocket and the no blaims bonus.

Car insurance?

how much would it cost for a 16 year old girl, honor student & drivers ed to start a plan by her self, or would it be cheaper to be added to my parents plan? aslo the car would be a madza 3. THANKS :)""

How much is renters insurance in california?

Best maternity insurance?

I was wondering what the best health insurance out there for maternity and child birth is? Right now I have pretty basic health insurance, as I am very healthy and don't need to go to the doctor often, but once I get pregnant (we're going to try in the next year or so) I plan on switching my insurance so that I'm paying the minimum out of pocket for all (or most of) those doctor's visits and labs, etc. What is the best provider/what type of coverage should I be looking for? How much did it cost YOU to have a baby (the actual medical bills) and how much should I expect to pay each month for my premium?""

Getting Health Insurance?

I recently moved to New York City and the health insurance is expensive here. I was living in Virginia with my family and they still live there. Can I apply for Virginia health insurance, even though I'm living in NYC?""

How much Roughly for first car + insurance?

I am 15 looking to start saving for a first car in in the UK by the way. Also I'm talking about insurance for when im 17/18 year old my guess would be around 5-8k for a first car plus insurance? Thanks

Cheap car insurance!!!?

hello i am a 17 year old boy looking for cheap car insurance what is the best car and the best company to go with with to get the cheapest prices.

Will my car insurance go up if i buy a new car?

i am currently driving a used 99 honda civic. suppose if i buy an all new 2012 toyota camry. Will my car insurance go up? i am currently 18, and my car insurance cost me 800usd for 6 month. and should college students like me buy an all new car?""

Estimated Cost per. monthly Payments on this car....?

I dont really have time to call my bank & ask.. seeing how my job hr's suck... nor can i go there cause i just sold my car. BUT does anyone know how much i would be looking at for monthly payments of a $7600 dollar Fairlady. If you dont know what this is ..its a 300zx Twinn Turbo but its a RHD ( right hand drive). I make a lousy 8.50/hr but i work 56 hrs a week. ... theres insurance. gas.. tuneups.. etc etc i know i know. just wanna rough estimate on it. thanks. Will choose Best Awnser -Kyrstie

Insurance on motorcycle ?

It would be a Kawasaki ninja zx6r it is a 2006 and 600 cc engine.. I am 16 and live in northwestern Pennsylvania... I would get minimum coverage.. I would also be adding on to my dads car insurance plan and I would be getting a 20% discount for good driver etc. About how much do you think the insurance on it would be?thanks

What would the insurance on a 1973 chevy nova cost?

It is not a SS it's just a 1973 chevy nova for a 16 year old. Would it be outrageous? It's not a souped up car really although the engine has some add ons.

Canceling car insurance?

I paid my car insurance for a year but I have started a new job that I get a company car. If I cancel my car insurance will I get some money back?

What is the positive & negetive aspect of Term insurance?

Why insurance agent do not show interest towards term insurance. Why they insist on ULIP only.

We are buying a 1995 mobile home (14X70). Does anyone have any idea how much insurance would be in Alabama?

Are there any Insurance companies in the Philippines that have Mortgage Protection Insurance?

Any companies that have this certain type of insurance directed to people paying off a house or a property?

What will a car insurance company check?

I've just made my first claim ever for a car accident, I was rear ended at a traffic light and the other driver accepted liability immediately, however what details will their insurance company check about me? I've made the claim through my insurance but want it to be handled stress free! Thanks in advance!""

Is my insurance company liable?

My insurance company offered me a policy to cover a de restricted scooter which I agreed to take out, but in order for this policy to take effect I had to give up 4 months of cover totalling around 160 and pay a 80 deposit on the new policy. Last week I was sent a letter notifying me that my insurance was cancelled so I called them and was told that I had to return a copy of my CBT certificate. I rang on Sunday and was told a completely different story and that was that the company they placed me with had decided that they were not going to cover me even though the whole point of changing them was because they specificity dealt with my type of vehicle . They have now offered another policy for 515 pounds with is 100 pounds more than my previous and I am not willing to pay this as they lied to me and told me that I was insured to ride around even though they knew that I was not covered. I have copies of the insurance certificate to prove that they sold me the policy and all other relating documents. Please advise on what I can do.""

How much does it cost to repair a small dent?And also insurance question/?

well i have two questions... how much does it cost to fix a small dent maybe 8 inches in diameter no paint scratches. Im really mad this happened to me this guy who is a complete jerk said i hit his car which i did but he claims it was in the back of his car where the dent is located but i barely tapped it on the front door not the back while i was trying to get out of some dudes parking spot. Also my other question is will insurance cover it if insurance is under my dads name but the car is under my name? we live in evansville indiana. and i think it is farmers insurance.

Moped Insurance for my 16yr old son?

I am looking for moped insurance for my son. I am going to be paying for it and i would like to do it monthly. Does anyone know of some cheap insurers? And also should i insure it in my name or his name? Ive tried a few and because ive been putting in my sons name they wont alllow me to pay monthly as he is under the age of eighteen. Also if i put in my name, i havn't taken a bike test. Do i need to take a bike test to insure a moped in my name? Im sooooooo confused!!!!!! Please help!""

Trying to be a first time homeowner - any advice before I sign?

I'm not there yet, but I plan to be ready in March of 08 to buy my first house. I've taken 15 hours of credit classes, I have $5k saved up, and I'm trying to get down payment assistance. Does anyone have any additional advice like unexpected costs (besides closing costs) and surprises that maybe happened to you when you bought your first house? I know to stay in my budget and not buy something I really can't afford. But for instance, do I find a lender first and then a house, or is it vice versa? And after I find a house and a lender, how long does it take to close? Is it stressful getting all your paperwork together?""

I want to insure my car for only 4 months?

Can I do this and if so how? and what is the cheapest way? I used to be with Direct Line but canceled it when I went to Uni. Now I want my car back on the road but only for the summer holidays. Any company suggestions and how much it would cost would be great, its an M reg ford fiesta and im 19 if that makes any difference. Please help, Thanks :-)""

Will my car insurance premiums increase?

I just got pulled over for the second time in a 7 month period and was given a citation for turning right on no turn on red . Will my car insurance payments go up? How long does it usually take for the insurance company to find out about the citation?

Health Insurance Cost?

Health Insurance through my employee for me and my two sons will cost me about $480.00 per month. That's a lot compare to what I make. Any suggestions or referrals for affordable health insurance for the Dallas/Forth Worth area in Texas. I'm in a big dilema.

Urgent..car insurance gt expired n 3 days later my car got stolen... can i claim or can anythin be done ..help?

my car insurance got expired on 7 oct 2011 and my car got stolen on 10 oct 2011... i have never taken any claim before.. it was a swift 2 yr old car... m so sad pls suggest if anythin ...show more

Where can I get cheap insurance from ??

Just passed my test I'm 17 I have bought a 1985 old Nissan micra. I have 3000 where can I get cheap insurance:)

Need to find affordable health insurance?

My health insurance just went up again. I live in New York any places i can check out? It will be greatly appreciated

Where can i get a health insurance quote?

are there any sites for oklahoma health and life insurance quotes?

Would insurance for a 2006 dodge charger be lower than 300$ p/m for a 16 year old male?

How much is car insurance for a teenager?

If the teenager is added to the parents policy, how much more will it cost the parent? Info: I have a good gpa, I will take drivers ed, my mom has a new car and its safe, and I have just turned 16.""

Car insurance payout question?

SO I WAS IN A CAR ACCIDENT, I WAITED 90 DAYS TO GO TO THE DOCTOR, I JUST THOUGHT THE PAIN COULD HAVE BEEN FROM ANYTHING,. ON TOP OF THAT, II HAVE NEVER LIKED LAWERS, OR DOCTORS, AND I HAVE NEVER BEEN ONE TO TRY TO GET OVER ON OTHERS. BUT AS THE WINTER BECAME SUMMER, AND THE WEATHER STARSTED TO BREAK, THE PAIN WAS STILL THERE. SO I DECIDED TO SEEK A DOCTOR FOR PAIN IN MY RIGHT SHOULDER AND RIGHT KNEE ANYWAY TO MAKE A LONG STORY SHORT. THE INSUREANCE COMPANY SAID, I WAITED TO LONG, AND THEY GAVE ME AN LAME OFFER OF 500, MY LAWYER THOUGHT ITS WAS A JOKE, SO MY LAWER TOOK THE CASE TO COURT FOR 25 THOUSAND. AND WE ASKED FOR A JURY, AND I HAD 4 PEOPLE THAT WAS GOING TO TESTIFY ON MY BEHALF, NOW THE INSURACE COMPANY HAS MADE AN OFFER, SO...............MY QUESTION TO THE EXPERTS IS,,,,,,,,,,,,,,,,,,,,, WHAT DO U THINK THE 2ND OFFER WILL BE, AND SHOULD I TAKE IT

""Why is Unitrin car insurance so cheap? Are they really a good, reliable insurance company?

I got a quote for about half of what I'm paying with another company with the same coverage.

I need cheaper car insurance.?

Alright, so right now, I have progressive car insurance and I pay about $190 a month. I'm 19, 20 in August. Have had my license for one year. no tickets, no accidents. old cheap car. I just want PLPD insurance that isn't so expensive. I've been told I'm paying too much. I've tried getting quotes from many insurance companies online. The insurace I have now is the cheapest I can find. I have my own policy.I 'm all on my own. Does anyone know where I could get cheaper insurance?""

What is the cheapest car insurance in michigan?

I am looking for cheap car insurance I live in battle creek mi. I am 22 years old and on ssi. I have autism diagnosis. And I want to be able to get a car I do not have a license right now. But can get one social worker told me that. I would be allowed to drive. I do not own a car right now. But I have $2000 save up for a car. Before I take anymore steps I need to find out if i can afford insurance. I have about $30-$45 to spend a month on insurance for a car. That cost about $2000 I only need the bare minimum that will allow me to drive with a license legally. Dose anyone know where in i can get cheap car insurance? Any help would be greatly appreciated.Thanks

How much will my car insurance go up?

I just had my first accident. A minor fender bender where my car collided into the rear of another car. The damage to both our cars was very minimal. I have a puncture or two in my grille, other guy had black marks from where my license plate edge hit the bumper. My insurance is already going to cost me $900 to claim it because I'm under 25; now how much is my premium likely to increase to?""

Is there such a thing as affordable health and dental insurance for someone that is 60 years old?

And in pretty good health? What company(ies) would you recommend. I live in Omaha, Nebraska United States. I currently pay $330 a month for PPO BCBS a month and it is killing me! Thanks""

Which is best life insurance company?

I want to buy a policy oc life insurance Pl. gude me.

Will this citation be reported to my auto insurance company?

So, earlier tonight i was driving my girlfriend home in my dad's brand new Porsche. He got it literally 14 days ago and he is obviously anal about it. but i drove her home in the car against his wishes while he was at dinner with his girlfriend. So on my way home, i was going 14 over the speed limit and i was pulled over, i was nice to the officer and he let me off with a citation, which sounds bad, but instead of me having to have that on my record, i just pay off the ticket and pay for a 4 hour driving class. And then there will not be any call made to my insurance company about the ticket. So will they really not call my insurance? my dad does not know i was pulled over and if i can just pay the ticket and take the class secretly then be done with it? or will the autorities still notify my company but make sure that they do not penalize me for it? I would basically be grounded the rest of the summer if he caught me taking out the 911.""

Canceling car insurance?

I paid my car insurance for a year but I have started a new job that I get a company car. If I cancel my car insurance will I get some money back?

HELP help help! Prego and no insurance

ok i applied for insurance (blue cross blue shield) right when i found out i was prego (I am 3 months now.)I told the salesman i was prego. He said he will get my cards out to me asap. 3 months passed and i was waiting for my cards. Then i spoke with some1 else i told them i need my cards cause im prego they said OH NO u can not apply while bein prego. Soo they denied me. WHAT DO I DO!! Medicaid wont accept me. Can i call another insurance company dont tell them im pregnant and when i get my insurance cards act like i just became pregnant. Please some1 help. I dont no what to do. SORRY FOR WRITING SO MUCH. THANKS!!! =)

Does anyone actually know if AIG/21st Century Insurance has been sold to Zurich?

""How do I get the best deal on a rental car, and what about insurance?""

I am going to Orlando for 4 days/3nights, and want to rent a car while I am there, but I want to get the best price I can. What is the best way to do that...tips/suggestions? I'm also a bit confused about the whole insurance issue, since this is my first time renting a car. I really don't want to have to pay double just to get insurance if I don't actually need it. Please explain. Thanks!""

Does anyone know the cost of insurance on a classic beetle? 1972 for an 18 year old girl.?

Im 18, ive got a 1972 1303 Classic Beetle Does anyone know how much it would be for me to get insured on it as a legal driver? Im a girl btw, or would it be cheaper on my dads insurance? or would i not be fully comp??""

Hsa savings plan through health insurance?

my job has hsa plan through insurance...anthem.....and my medical card says hsa covered but i didnt activate the account yet and dont want to...decided against it......will i be penalized or act as if i didnt want the plan?

Do you have health insurance?

if so, how much is it per month? How old are you? what kind of deuctable do you have? feel free to answer also if you do not have insurance.""

Car insurance in Canada?

What is the typical car insurance cost in Ontario?

Smart roadster uk insurance.?

Slight problem, was looking up TPFT insurance quotes for a smart roadster: 500 excess. 7000 yearly premium. 7500 annuall mileage. The car's only worth 8500 it has a 0.7L engine. How do they justify this price gouging?""

Breast Reduction/Will my insurance cover it?

I submitted my request through my primary doctor and of course they denied it. However, they sent me an approval to see a plastic surgeon, so I went. She said I was a great candidate and that she will send pictures and notes to my insurance. The insurance hasn't approved the reduction, but again they sent me an approval to get a mammogram done. is that normal? i got it done and of course everything is fine. I called the PS and they are resubmitting my request a long with the mammogram results. Am i on the right track? Do you think they will approve it?""

Covered California individual plan?

Hello, I am a grad student with no income currently. I'm signing up for covered ca for an individual plan. It is asking for number of people in household, do I just put one for myself or am I supposed to write all family members even though it is for an individual plan? From the research I've done it seems I probably won't be eligible for obamacare and may have to sign up for medicaid. My mother is currently putting me through school and paying for my current health insurance. If I don't qualify for Obamacare couldn't I just sign up with a new plan under my current health insurance provider that my mother will pay for or would it be better if I just went with medicaid? Thanks for your advice.""

How much does it cost to insure a new driver?

How much does it cost to insure a new teen driver? My insurance company sent me a sample price, and it was 5,000 for a six month period on a 2010 ford, and 3,000 for a 2008 toyota in the sample, so my question is, how much less would it be to insure a peice of crap car? Like a 91 honda""

Insurance on a '98 Mustang?

16yr old girl in Ohio, just wondering the cost before i try and sell the idea to my dad lol. Yellow w/ body kit. Help? :)""

Is pregnancy considered a pre-existing condition in florida?

IM PREGNANT!!!! I am 7 weeks along and just found out! The problem is I start a new job next week and will not be eligible for insurance until after 90 days.. By then I will be over four months along and I'm not quite sure if they will accept me or if they will say that it is a pre-existing condition? So, my dilemma is either: pay out of pocket until my 90 days are up and hope they accept me OR apply for medicaid and use the health department? If it changes anything the insurance I would be applying for is Florida Hospital private owned insurance.""

Can a 16 year old male afford a Mustang with a V8( GT or LX)?

I've discussed getting a mustang to my family and friends for quite a while now. I know the downsides, high insurance, bad gas mileage, and too much power(according to my parents). I'm a big fan of the foxbody('79-'93) mustangs and I also really want a V8 and I also want stick if that matters. The way I see it, I'm going to pay a lot for insurance no matter what, so why not pay a little bit more and pay for the car I really want. It doesn't matter if its an LX or GT even though I've heard that LX's are cheaper, but how much cheaper. I've looked around for answers to this question and all I've seen are responses that tell me either that its stupid to get a Mustang or I find answers that have links for sites that will tell me. I just want a good answer and possibly how much insurance will cost me. I only want minimum coverage and it will be on my mom's policy. Also, one more question, how much cheaper do you believe a '90's Honda Civic(2 door sedan) would cost me in comparision to a V8 Mustang? Thanks for any responses, Aaron.""

Do you have to insure a jet ski?

Can I get life insurance on a family member without their consent?

I'm interested in getting a life insurance policy on my mother because unfortunately she will not be around forever and I want to make sure my sister and I are able to take care of financial obligations that would have to be resolved including funeral expenses. Obviously this is a very difficult situation, no one wants to have to plan for a loved one's passing. Anyone know if this is possible? thanks.""

Car insurance declaration?

hi my car was recently hit from behind by a third party at the time my brother was driving using his own insurance everything has been sorted out by the insurance company's do i need to declare this on any future car insurance quotes? i was the only named driver on the policy but my brother is fully comp on his own insurance my brother was taking it to swap cars over with his in his garage with my permission to drive the car

Can I still be on my parents car insurance policy if they are in a different state?

I live in California while my family lives in Utah. I have been on my family policy and about a year ago I registered my car here in CA. CA requires insurance (which I have, but in UT). My family is still paying for my insurance but the license plate listed is my old Utah plate but I am unsure if that counts now that I have CA plates. Does anybody know details behind this?""

Best insurance for young drivers [UK]?

I already said the comparison websites don't seem to give great quotes. And i also said i want third party fire and theft.. so i don't understand your answer :s

Best first car for insurance?

What car at 17 will have the lowest amount to pay on insurance?

What will have the cheapest insurance payment? 2003 escalade or a 2012 camry hybird?

It will be my first car which one is easier to afford and which one looks better

2006 Dodge Charger R/T insurance?

I'm 19 years old, and I am very interested into buying a 2006 Dodge Charger R/T. 5.7L V8. I'm a responsible driver with a flawless driving history and have taken (and passed) a driver's education course. The thing I'm concerned about though is the insurance for the vehicle. What makes a car (in itself) have high insurance? Is it based on the performance and power alone, or do other factors come into play such as the size and number of doors? Would a V8 Charger in particular have ridiculously high insurance compared to a more sporty car such as a V8 Mustang of the same year? Well, you probably understand what I'm trying to ask. Someone please enlighten me, thanks. I appreciate it =)""

For how many traffic ticket you get before insurance rate increase?

i had a speeding ticket 3 yrs ago and it was dismissed after one yr. now i just got another red light ticket. will my insurance consider this red light ticket as second ticket or first and will they increase rate?? and for how many traffic ticket you get before insurance rate increase?

I am going to drive in a few years can somebody list some cars that are sporty but low on insurance?

please add if you can the insurance rates and the car name thanks!!

How much is the premium for auto insurance usually for an 18 year old?

basic converage NY state 2000 plymouth neon driver was never in any car accedents

Canceling car insurance?

I paid my car insurance for a year but I have started a new job that I get a company car. If I cancel my car insurance will I get some money back?

https://www.linkedin.com/pulse/insurance-problems-please-help-brenda-harrison"

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sparklyeaglepoetry-blog · 6 years

Text

Auto insurance broker fee in CA?

"Auto insurance broker fee in CA?

Hi I live in CA i just bought a new 2012 hyundai and went to get insurance through Freeway Insurance and I signed up for a 12 month premium with Farmers they did not tell me anything about a broker fee until after i signed all the paperwork. I am 20yrs old and paying $220 a month for full coverage. They charged me a $275 Broker fee I just want to no if this is even legal or if they ripped me off! I walked out spending $560.00 Are they allowed to charge such high fees I will call my credit card and have them refund it immediately if they ripped me off. Please help. Open to all answers thankyou!

BEST ANSWER: Try this site where you can compare quotes: : http://financeandcreditsolutions.xyz/index.html?src=tumblr

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I've been driving for about 3 years now, and I honestly cannot help but ask why are we paying $100 per month or more on car insurance, and some of us don't even get into accident at all? I mean that is like money out the door. My current premium is $625 per 6 month and it is a pain to pay it off. So, what I suggest if you get into an accident you are required take out a loan if you cannot pay and pay it yourself, wouldn't that make more sense? Instead of having to pay all that money off and in return you get nothing?""

Driving without Proof of Insurance?

I was recently stopped by a police officer for speeding and when giving him my license and proof of insurance he stated that my insurance had expired. I then received a $550 fine for not having insurance, but not for speeding. I do have insurance, but the proof of insurance is what expired (we searched everywhere and the cards that the insurance agency was supposed to send did not show up). My question, then, is what do I do about this? I was not aware that my proof of insurance had expired (again, not the insurance) and I was freaked out because this is the first time that I have ever gotten pulled over (I'm a college freshman and the car is in my grandmother's name, it was a grad gift) On the ticket do I contest the claim and go to court or do I admit the claim and go to court? What are the possible outcomes or what is most likely to happen?""

Rear Ended - Can I demand insurance?

I was in an accident last month in my brand new Volvo (not even a month old!). I was rear-ended, while I was at a stop sign. Damage is to the rear bumper, pretty bad, looks horrible...especially for a new car! No one was hurt, just shaken! We did not immediately file a police report. We exchanged information, and the the person who hit me told me that they would pay for my repairs out of pocket, and that they didn't want to get the police or insurance involved. We conversed on the phone for a few days, and they seemed like everything was going great, and I was supposed to meet them at their friends auto body shop for the repairs...long story short...they never showed. Bad part now is, I never got their insurance information, just license plate, DL, addresses(basically everything BUT insurance). That same day, I went to the police station and filed a delayed police report. Later that week, I went and got 3 different estimates, and the damage averages out to about $900. I contacted a friend of mine, who is a police officer, and they stated that I can issue a summons to the person who hit me for careless driving, and I will have to go to court. This is basically to show them that I'm not messing around. All I want is my BRAND NEW car fixed!!! I'm NOT going through my insurance because my deductible is $1,000, and the damage is less...not only that...it wasn't my fault! My insurance company advised me to have person who hit me's insurance take care of everything, at no cost to me. Here's what I need to find out...Can I send the person a demand letter, basically stating that I want them to have their insurance take care of everything? I have tried to call them, and they send me to voice mail, so reasoning is not an option any more. I don't really know how to go about this?! I want to try this on my own, and not get an attorney involved. I just want to tell them that if they fix my car, I will drop summons and further proceedings (like small-claims court, which I WILL sue for additional $$ for dealing with all this). But, what if they don't have the money? I have no idea what to do. I live in NJ, hope someone can help!""

What is the penalty if police finds i have an old car insurance card in my car and not the current one?

i switched car insurance company, and i forgot to put the new car insurance card in the car, i still have the old one there but it expired. if the police stops me for some reason, will i get into any trouble? i have the new car insurance company phone number in my cellphone.""

Will car insurance always be expensive when I first purchase it?

I've never had car insurance and I'm about to purchase a car. I've been researching different companies and they are all pricey. Should I wait until I'm 25 to get my own insurance since it will be cheaper or is the price based off other factors? I'm currently 24 years old and never had insurance under my name.

Can insurance companies automatically add new drivers to an existing policy?

I had my g1 (permit) and got my g2 (license). I called the insurance company to get a quote of how much more it is going to cost my dad (which is what I'm going to have to pay) and they are telling me that I have to notify them that my license is now a g2 class. They can't quote me until he calls them (he's at work) when my dad calls to confirm then they will change it automatically and add me. But I don't have a choice if I want to add or not (If I don't like the rate) can they forcibly add me to a policy even if I don't agree with the rate? kinda tricky to explain but I hope you understand what I'm saying and if not then I will add additional details as necessary.

How could higher deposit insurance premiums for banks with riskier assets benefit the economy?

If I get my g2 will my parents insurance rise?

I would like to get my g2 in october, but not get insurance and start driving alone until november. Would this raise my parents insurance from just getting my g2. Also, if i have an 80% avg at midterm, will it lower the cost of insurance? If yes then would a 90 avg lower the insurance cost even more?""

Question about car insurance?

I am about to get my first car ! but i have to wait until the guy at the car lot gives me the ok to pick it up but I was wondering about insurance do I get the car first and then get the insurance or vice versa? because what if something happens and I would get pulled over do I just say I just got the car and the insurance is about to start up? thanks in advance.

""What's Cheaper to Insure, Audi, BMW, Mercedes, Volkswagen ?""

I'm 21, Here are my options. 2008 Audi A4 2009 BMW 328I 2007 Mercedes c250 2010 Volkswagen GTI or Golf. How much do you think rates will be.""

Auto insurance broker fee in CA?

How much would average insurance be for a 20 year old student for a 2011 Camaro LS be?

Im looking just to get an estimate.

Car insurance confusion?

Hi i'm 18 and my driving test is coming up soon and i always look for quotes on cars to see for the future. My mum said she will possibly give me her car and get a new one if i pass. But on insurance quotes for the car i will be getting i will be the main driver but not the policy holder or registered keeper as i still live at home with her and she will still use the car to go shopping and things like that but I will drive that car the majority of the time. So because i am the main driver on this quote and will drive it predominantly it is not fronting? However my mums no claims will be put on this quote as opposed to her other car so is that still ok? And who will get the no claims bonus at the end of the quote the main driver or the policy holder and if its the main driver will my mum still be able to use her no claims on another car if i gain my own? Sorry for all the questions i just want to make sure i'm not going to be breaking the law on any possible quotes i may take out Thanks in advance.

Why is Obama all of a sudden denying HIS OWN WORDS health insurance made over YEARS?

in his OWN WORDS: http://www.breitbart.tv/uncovered-video-obama-explains-how-his-health-care-plan-will-eliminate-private-insurance/

Is bike insurance cheaper then car insurance?

Private Health Insurance options for 62 plus individual?

My aunt (in California) is 63 years old and she has asked me to find a private health insurance for her. I was informed that anyone that's over 62 can't have a private insurance and MUST only use Medi-cal or Medicaid. Is that true? She asked me to check with Aetna, Blueshields, UHC, etc. Any thoughts whether she can get a private insurance from these companies?""

""What kind of life insurance is better for me, term insurance or permanent insurance?""

Is there any advantage to permanent insurance over term insurance or vis versa? I mean, basically it looks like term is the better deal because I can buy more death benefit for a lot less money, but permanent insurance gives me money with a death benefit. I'm in my late 40's, have a wife and 2 kids, normal bills, mortgage, etc. Does anyone have any opinions about what is really the better deal long term?""

My company was bought out - Can I get unemployment? What about my health insurance?

I need some advice. I am an assistant manager at a small call center where I have worked for around 5 years (3 of them full-time). It was just announced to me and the manager (the only 2 full-time employees), that we have been bought by another call center that is not located in our town. The manager is relocating and has been offered a full-time job at their main office (with what I am assuming is a decent raise) about 4 hours away. I am being offered a possible part-time job at a lesser position some 3 hours away - there is no garantee. Well, I have kids so there's no way I'm doing that for a measly part-time position with no benefits. I will be without a job as of May 31st. Our part-time workers will be finding out about the closure on May 1st. For those employees that would like to stay through until the end, they will be offered a monetary bonus or compensation. I doubt it's more than a few hundred dollars. If I cannot find another full time job by then, would I most likely be eligible for unemployment? If I take the bonus money at the end, does that mean I wouldn't qualify? What kinds of questions should I be asking before this happens? I have health insurance for the first time in my life - when does that usually end?""

Who has the best car insurance?

Im looking for car insurance, and I need it soon. Sorry for the flood of questions, but no one is answering... And now the question- How has your insurance company been to you? Since most of the companies I've looked at have similar rates, I have the freedom to choose a company not by pricing, but by how good they actually are. I've spent hours searching reviews of all the major players, and I've seen almost exclusively horror stories about how bad the companies are once you file a claim. Geico, Allstate, and especially progressive (defended policyholders killer in court to weasel out of paying out claim), all seem to have a pretty bad reputation among their customers. Now I'm not a fool, I understand that most reviews are written by people who have been wronged. People are much less likely to write a positive review because their company has followed through, as this is what is to be expected in the first place. It is entirely possible that behind that sour review, there are several satisfied customers who didn't feel a need to review their service. If any of those people read this, please help me out with this choice. Additionally, anyone who may be in the wronged group, if you have a reason that you would not reccomendation your insurance co please let me know! Thanks for any help!""

Will my insurance go up?

Earlier today at around 7pm I was in my first car accident. I just got my license a month ago and I am 16. Anyways, I was at a red light and the turning lane had a green light but my lane ( going straight ) was red. I was the first in my lane and some guy in a brand new mustang smashes into the back of my car ( 2003 Lexus ES 300 if that helps any ). The airbags didnt deploy but I did hit my head and my neck kind of hurts. My mom was the passenger and told me to deal with it because she just got out of the hospital. The first thing I noticed was he was exiting the maps app on his phone when he got out of the car. Maybe he was on his phone when he hit me? Anyways, the other driver and I exchanged insurance cards and licenses and I noticed he was from Maryland and we are in California. The car was a rental and he didnt mind if I reported it. Now, here are my questions. Why didnt the airbags go off if I was hit? ( I was in neutral btw because I read that it saves gas ) and if I report this accident will my insurance go up even if it wasnt my fault?""

Insurance Coverage for Motorcycle Helmet and Jacket?

I recently Just completed a claim for an accident I was in, The insurance (progressive) is going to reimburse me for the Jacket and Helmet. The Helmet has a little scratch on the lens and that's it. the lens is easily replaceable. the Leather Jacket has a light scuff on the arm. I spoke to the local claims representative and He said that he will come by and pick up the Jacket and Helmet and throw them away. I thought I was told with the when I bought the policy that I can do whatever I want with the Accessories, meaning I could throw them away or use them or fix them up. Now what I want to know... Is the Claims representative trying to get the Jacket and Helmet for himself or is this really Policy? to throw away $600 of equipment that's still in great shape and hardly used?""

What is the cheapest way to insure a first car?

I want a ford ka which luckily I one of the cheapest cars to run and insure for young drivers. Is there anything else I can do (except from the black box as I have 3 siblings I will need to drive around) to make the insurance cheaper? My parents both have quite good jobs and are willing to pay it but they would like to pay 1500 p.a maximum if possible.

""Honda Sport 1.6 Insurance for an 18 years old, second driver...?""

I am looking to get 2004 Honda 1.6 Sport and I am only 18. My dad is planning to be the first driver and me as a second when it comes to the car's insurance. Guys, how much do you think the insurance would cost us?""

What is a good long-term health insurance policy for international stays?

I am planning to move to Germany in spring and require acceptable, long-term and affordable coverage. What is a good company and policy for me to look in to? I've seen several offers but only one I could afford because it had a deductible of 10k$. Is there better?""

Insurance for Ferrari?

I'll be 25 soon, when car insurance traditionally becomes cheaper - but I've only been driving for a couple of years and am on my father's insurance so no no claims bonus for me to amass. I'd quite like to buy a Ferrari before I'm 30. What's the best way for me to handle the insurance companies?""

National insurance Number?

is it possible to get a job without requiring National insurance Number?

Car accident/Insurance options?

a friend was trying to pull around a city bus that was idling for several minutes to catch a left turn on a green light ...when the bus went in closer to the curb, its backside jut out and her car swiped it she is a new driver and new to the country and she continued where she was going without stopping. pretty shook up. She claims she didn't think it was too bad, a swipe, the mirror was gone and she just took it as a loss. But when she got out, she realized there is damage all along the side, from front to back, including the mirror missing and a serious dent on the front passenger (the front is peeled back, exposing the hinge mechanism. Rain now gets in through the top as the seal is broken as well. She is insured and believes she has coverage but she's scared cause she left the scene. This was 3 weeks ago - there has been no follow up. She hasn't called the police but kept an eye out for whether or not it was reported and she needed to come forward. It was in a pretty run down part of town. Anyway - I don't know what to tell her so i'm coming here - can she report this to insurance and admit that she swiped a bus and didn't stop? Will they fix it, up her insurance, and move on or will they investigate into the bus - making her pay for the bus and having the legal issue of leaving the scene. - not sure what to tell her??? She's also considering just putting a new skin/shell on the door was affected - not seeing if this is possible though - replacing the entire door is expensive and seems unnecessary. Any insight is greatly appreciated.""

Is commercial auto insurance much more expensive than personal?

I have a little Mr. Fix it business on the side and I carry a few tools in my SUV. I am thinking of getting a commercial auto policy. Will it be more expensive than personal and how ...show more

Where do I get cheap car insurance in california?

Car insurance while deployed...?

My husband is in the military and is currently deployed overseas and I had a question about his car insurance. It does have a loan out on it so that requires us to have full coverage on it normally...I was wondering that while he is deployed and since his car is not going to be driven (there is no way I can drive it since it's a stick shift and I can't drive those lol) if we could lower the insurance on it. I'm just not sure if we'd be able to because of the loan...or does it depend on the bank/insurance company? Thanks for any info!!

What medical insurance company should I get?

What medical insurance should I get? My employer doesn't provide medical benefits anymore. I don't want to spend alot and I live in California.

California Lawyer Malpractice Insurance Requirements?

Does a lawyer in California have to get Malpractice Insurance in order to take clients? For example if a newly admitted lawyer wanted to do a simple will for a family friend, would they have to obtain insurance first or can they take the case, at their own peril, and collect a fee for it?""

""How much do you pay for car insurance in dorchester,ma ?

2006 Nissan Murano SL AWD or similar car.

Compare long term insurance prices?

compare long term insurance policies from the recomended insurance companies genworth, metro life, coastline federal, ltci""

Can I wait to report damage to insurance company till car payed off?

My car was parked on a busy street in icy conditions and when I returned to it, it had clearly been hit but no one left a note, etc. It will probably be very expensive to fix...although it is only cosmetic damage and it isn't horrible. In fact, from a distance, you don't notice it much. Anyway....my husband passed away recently and my finances have been limited. I have full coverage on the car (It is a 2004 ford escape)....because I am still making payments on it. We have a $1000 deductible, which I cannot afford right now. Besides, my brother-in-law tells me he can spruce up the damage and make it look better..and of course won't charge me much for that. So....here was my plan. Please tell me if I'm doing anything illegal here or just tell me if my plan will work: So...I'm expecting a large enough tax refund that I can pay the car off in March if I choose to do so. Once that is all complete...and before I drop my full coverage to just liability, I was going to report the damage....and go through the process of getting estimate, etc...and then not have the car fixed and just take a check. With that check, I was going to pay off some other bills I'm very behind on (mainly hospital bills). That plan will help me get my finances in order and get out from under debt. But I'm not sure if I'm thinking clearly on this! Someone please tell me if this plan is an option. Thank you!""

Where can i get low cost motorcycle insurance ?

i live in ontario canada ,, i want to buy a honda cbr 250 , and would like to find a low cost insurance for my bike , so far i got some way off price quote with a difference of $280.00 ,so i suspect they are over charging ,even at the low end , they say i'm covered for 12 months months but a motorcycle is not meant to ride in cold and snow and salty streets as the salt would ruin the chain and other parts of the motorcycle .""

Auto insurance broker fee in CA?

Car insurance question.?

I'm working on transferring my current car insurance to Geico and am filling out the electronic form to get a quote. My car is brand new, and I have had it for like eight months. I don't know much car insurance; in the electronic form, what coverage do I pick for full insurance instead of liability? Thanks.""

Can anybody give me an idea on car insurance?

Im 18 year old and am from the uk i want to buy a mazda 2. i hold a clean uk driving liscience and would like to no if anybody has a rough idea how much per year i will pay for car insurance.

Cheap UK car insurance companies for 18 year olds?

Im 18 and paying 2600 a year for a 1.1 peugeot 206 with insure2drive found on confused.com. Ive been driving for 6 months with no ncb but i have my parents on my policy as 2nd and 3rd drivers. Does anyone know any cheap insurers or know anything i can do to get the price down?

Do I have to insure my son when he turns 16?

My auto insurance company called me yesterday asking for the names and birthdays of my children. I refused to tell them anything. My oldest son will turn 16 in November, and I was not planning on adding him as a driver, because we have full coverage insurance and I thought that would cover anyone.""

""What kind of qualities should I look for when purchasing a car? ie insurance, modern elements...?""

For experienced buyers: As an entry level analyst looking to purchase a car, I was hoping to get some ideas about my first big purchase. My norm has usually been purchasing something and regretting it some time down the road ie Bought a Dell laptop, turns out it heats up a lot. Or a new smartphone (android), turns out it freezes plenty. So I want to purchase a car, and was hoping if someone who is experienced could possibly take some time off to tell me what I should look out for. I understand insurance is a *****, and even though cars are affordable on lease, the insurance will get you. My objective: Car : Lease a pre-owned or 2nd hand car, possibly 2012 or 2013 model, 4 door, sedan. Insurance : Max coverage, low payment (ideal but, shoot for the stars and....) Questions: I understand there are qualities or modern elements like lane stabilizer and effective cruise control that can reduce insurance coverage. How effective can they be? What kind of sedans have low insurance and are modernistic, such as built in navigation and those cool looking monitors? (kind of childish) Which insurance coverages are the most important, there is basic, comprehensive.... If you need additional information, I will be checking this question hourly and will be glad to provide additional information. Thanks!""

Baby Insurance at 19?

I doubt it will, but, I am 19 years old and I am still on my mom's insurance plan. So if I were to get pregnant, would the insurance cover my baby's delivery and pregnancy appointments or would I still have to pay the noninsured payments.""

On average how much does it cost to insure an apartment building?

I am looking into purchasing 2 triplex apartment buildings. They are both brick buildings built in 1990. Both have been maintained fairly well and have a really good price on them. ...show more

How much would car insurance and Tax cost?

Im 17 and I have a decent amount of money saved up and im interested in buying a 2nd hand car for around 1000 euro but i have no idea how much the tax and insurance is going to cost and how often you have to pay it, so if anyone can help me it would be great. thx u.""

How expensive is car insurance under my own name rather than my Mom's name?

My mom's car insurance covers me...but they are threatening to take me off her insurance over something stupid. Does anybody have any idea of how much more expensive it is if I get my own car insurance under my name instead? I'm 23, male, in Ontario, Canada.""

What is the average cost of car insurance?

I have no insurance and need an abortion?

Please dont judge im young and recently found out im pregnant. But im not ready for a baby... I would love to keep my child but if my parents ever found out they'd literally disown me. I have no insurance and I dont know how much an abortion would cost. I was thinking about getting the abortion pill still not sure. How much would that cost?I checked online but it didnt say anything about abortion.

Do you think $250/person premium for supplemental insurance for seniors too high?

If so, could you recommend a cheaper one that you may have?""

Crazy insurance rates wtf?

I am a new driver just got my license. To add me to their policy its going to be an additional $330 a month! The car is only worth 5,000. What should i do?""

Im turning 16 and i was wondering waht my insurance rates will be?

What are the average insurance rates?

""I haven't had car insurance for the last 8 years, am I going to pay high rates?""

I've lived in the city since 2002 and haven't owned a car. I'm now moving out, and will need a car once again. Does this mean I'm going to pay high rates, or it won't matter?""

Can i drive without a insurance card?

I will get my car tomorrow and i will have it insured the same day but it takes like a week to get the insurance card for the car. Can i drive without the insurance card? I would have the insurance on the car. Could i drive around without the insuance card?

No auto insurance on loan vehical in california?

My auto insurance through farmers insurance has lapsed as of December 1st on my vehicle which I have a loan through coast hills banking. I really am having a hard time getting the money together to get it going again. I told my husband even if a couple Bills go behind I have to pay it by Feb because I'm getting very nervous that it will be taken From me. Has anyone ever had to do this before? its my first time in this scary bind but I got in an auto accident that took my insurance money from me to pay for it so can someone tell me if its possible to loose my vehicle? Thank you

My daughter wants me to put car insurance in my name?

she wants me to put car insurance in my name for her husband he cant do it cause it would cost alot he has alot of speeding tickets and a dui plus he has lost his driver licenses my record is perfect what do you think i didn't even know you can do that im in ohio

Car insurance? Do they check your credit rating?

I have just phoned to change my insurance over to another car, and was told twice that it was declined - firstly, he said due to the group of insurance, and secondly, I was told that the operator had a system problem. I am a bit concerned as I know my credit rating is bad at the moment, but I am trying to better it, and I don't know if this is why my insurance was declined? I thought that they had to tell you if they carry out a credit search, but nothing was mentioned and I don't particularly want it going against me if it was searched twice. I have paid my insurance for the year, and was going to pay any extra instantly, so there would be no need for a credit search as far as I can see. Does anyone have any more information on whether they credit search you or not for this?""

I am 17 and pregnant and don't have health insurance?

i just found out i am pregnant and i am 17 ill be 18 in june. I DO NOT BELIEVE IN ABORTION!!!! i don't live with my mother or father i live with my aunt and grandma.... i have no health insurance and that is a big problem because how am i going to pay for the doctors and delivery.... can some one please help me finding some place that can help with insurance for the baby and me. P.S i live in california . and please don't even bothers answering me if u have nothing good to say because i do not need your immaturity. Thank you so much for you help :)

""What health insurance is recommended for a single dad with 3 kids, with a budget but have decent coverage?

I am a single father of 3 kids and looking for health/dental/vision insurance for my family. We don't really go to the doctor as much but still want decent coverage in case I need to do so. Any ideas? Am based in Southern California.

Help with car insurance?

I am 16 and my dad wants me to pay for my own and i want to i just want to know the cheapest car insurance so will you please post a url that i can go to?

Are BMW's really expensive to repair/insure?

i wanted a bmw as a car, and my dad was going to get one, but then my uncle told him they're really expensive to repair/insure. ( i think he was just saying that because he couldnt afford it :/) but i feel like he is right because its a foreign car. so how much more would it cost to get a bmw than like a ford chevy or pontiac?""

How much does it cost to add a person on ur insurance?

i was wondering how much it would cost to add someone with their permit on to ur car insurance, this dont have to be an exact number just and average number. If any of you know plz let me know cause i am trying to figure this out, thanks for your help.""

What health insurance company is the best value?

I want to sign up for health insurance but I'm not sure which company to go through as there are so many. I'm a 21 year old male with little income (about $1200 a month) with no dependents or job benefits. I went through the healthcare marketplace from the federal government which just said I need to get medicaid. I'm in the process of applying for medicaid as well. But if the medicaid doesn't work out or isn't very effective what is anyone's opinion on the best insurance company for me. I'm looking to spend only around $100 for a monthly premium. Any feedback will help me narrow it down and know what to consider. Thanks for the help.

Auto insurance broker fee in CA?

Can you have your SR22 insurance with a different insurance from you auto insurance?

I have my SR22 insurance with one company andy my auto insurance with another company? Is this OK?

Where can I get cheap car insurance for a 17 year old?

I need car insurance preferably under 3000, I can be a named driver on my dads insurance (he's been driving over 25 years and has 5 years no claims bonus). I have tried comparison websites and even for a 1L 1998 Vauxhall Corsa, they are quoting around 7,000 - it's daylight robbery!!! Where can I get cheap(ish) insurance from? What type of cars are best (eg new/old, engine size etc)? Thanks.""

How does life insurance work?

Homeowners insurance or renters insurance?

Okay so the person we were renting from had bought a house and is owner financing it for us. We just moved in and I was calling around about insurance and have been told so many things it's ridiculous! A few insurance companies told me I need homeowners insurance and a few told me I need renter insurance since the title is in his name not mine which makes sense but I don't want to end up with the wrong type of insurance. Help?!

Can I sue my auto insurance company for an at fault accident with an insured driver on my policy?

I was a passenger in my own vehicle during a near fatal accident where the driver, who is an insured driver on my policy, had road rage with another driver. The driver ended up receiving a DUI as a result of the accident. I tried to sue my auto insurance company for under/unisured motorist, but since the accident was a sole vehicle accident, the insurance company would not settle for my injuries. Due to the nature of the accident and the result of the driver being intoxicated, the auto insurance company accepted liability for the driver's negligence and tried to settle for $4,200. I ended up hiring a lawyer because I have an unpaid hospital bill in excess of the settlement amount. In addition, I have had complications from my injuries and need lifetime treatments. We have an arbitration hearing next month, but the driver is only named on the lawsuit, not my auto insurance company. This accident happened in Pennsylvania and I had full tort, stackable, 100,000/300,000. My question is...why is the insurance company not insuring the named insured driver (who by the way happens to be my husband), on my insurance policy?""

""Male vasectomy requirements in california,and does cigna cover it?""

i want to get a vasectomy,made up my mind 100%,main reason is cuz i don't want to end up a financial slave to any women,and would relieve alot of stress from my life.i am 24,from california,never had any kids,can i just go up to the doctor and tell him that,or do i have to stretch the truth and make up a story like i have 2 kids somewhere in mexico or something like that?i make about $24,000 a year.i know they also charge for vasectomies based on your income.also does cigna insurance cover it?""

Car insurance?

how do i get cheap insurance for my son, he has only just passed his test couple of weeks ago. we stay in the UK.""

Car insurance for 300 to 500 dollars a month?

Are there any insurance plans for cars that cost 300 to 500 dollars. I have a bugeting packet for my twenty first lit class and I wanted to know what insurances would have car insurance at that cost. Thanks!

Best Type Policy Life Insurance Quotes for Elderly?

Any suggestions on finding a reasonable life insurance policy for a man 54 about to turn 55 in a month with a spouse would be appreciated. He has a soon to expire term life insurance policy at the present. He wants the best for his money. Is a term insurance policy still the best type of policy or would another policy be better?

Can I Sue My Auto Insurance Company?

In 2005, as part of our divorce agreement, my ex and I decided to keep the same auto insurance but under separate policies. We had been with this company for years. My policy was on auto pay meaning that the payments were taken directly from my account. He walked in to pay his. About 6 months after the divorce, I was pulled over for a routine traffic stop and was told I was driving an uninsured vehicle. Without insurance, my registration was also invalid. Both tickets totaled 1K. My car was taken into impound. I checked and found the officer was correct. On good terms with my ex, I told him what happened. He said for the past 6 months, each time he went in to make a payment, the girl HIS was already paid. Realizing what had happened. They were applying my payments to his automobile. I was furious. I notified the agent who initially did not want to accept blame, but since the payments were automatic and my account number was on each payment they took, they were responsible. The error was compounded by the fact that the cancellation notice went to HIS address (how dumb was that!) So I had no way of knowing that I was cancelled. I was without a car for 2 weeks and lost my job. After much haggling and many sleepless nights of wondering what to do without a job or a car, the insurance company finally admitted blame, paid the impound fees of $1,250.00. The agent also said they would handle the 2 tickets totaling 1K. FAST FORWARD TO 2010 in my state, the county did a scofflaw sweep and I was summoned to court with over 5 thousand other delinquent drivers to address unpaid tickets. The order was come to court by April 30th or be arrested. Realizing this had to be a mistake, but fearful of the law, I stood in line for over 5 hours in blazing heat, then sat in court another 5 hours waiting for my day in court. I was immediately threatened with arrest because the 2 tickets were not paid. Up to that moment, I had no idea the insurance company had not paid the 2 tickets. This time, not only was my insurance and registration cancelled, my license was suspended due to the age of the infraction (5 years). In front of the judge, I called the agents' office only to be told by the secretary that they had no intention to pay the ticket. Paying to get the car out of impound was enough. When the judge heard this she was shocked and let me off with a promise to pay in 5 days. She made me promise not to drive. With no way to get home but drive, I took a chance, and was pulled over. The officer informed me that due to the vast number of outstanding cases, tags bearing our county name would be targeted for a while (talk about a police state!). I showed him my documents from the court and headed home. This is a nightmare. Would I have a case if I filed suit against my insurance company for failing in their fiduciary responsibility to a 16 year client in good standing? By the way this company is one of the largest in the country.""

Where can I get the best price on private medical insurance?

Does anyone know the average cost for car insurance for a 18yr boy for a firebird?

""Can a driver without a motorcycle license, insure a motorcycle?""

To be more specific, here is the story. I am a 20 year old male from Illinois and getting motorcycle. Insurance is something I dont want my name in, well I want to be a second driver. The question is can the insurance be written to my dad, who does not have a motorcycle license. He does have a regular license. I know that second drivers are insured. So I would be paying less money for insurance, but I would be able to drive my bike. My dad will be getting a license, but first needs a motorcycle. So again can he get insurance on this motorcycle without a license?""

Insurance for my baby?

I am on my dad's insurance. When my baby is born will it also be included on my dad's insurance?

Michigan Motorcycle Insurance?

I live in Michigan I only ride my motorcycle during the spring and summer, which comes out to be about 6 months of the year. the rest of the time the bike is stored, with no riders. My question is can I get some sort of insurance where I'm covered for six months and the rest of the time it in storage it's on a storage like insurance? I know you can in New Jersey because my friends have in however can you in Michigan? if so could you post a link or where you got this infor from so i can contact them further thank you""

What's a website that tells you the average insurance of a car?

Lets say for a Mustang GT? I'm think of getting one but don't know how much the insurance of one is. Thanks.

Does driving school affect insurance rates when over 21 in Massachusetts?

I am 21 and have never held a drivers license before. I would like to get it now, but I do not want to take the classroom portion of driving school, just the road lessons. However, my father would add me to his insurance plan since I'm still living with him until I complete college and grad school. He is worried about insurance rates being too high without driving school. Would this affect my insurance rates since I am over 21?""

On average how much is horse insurance for a 5yr old 16hh Thoroughbred Show Jumper for example?

I'm trying to calculate expanses for when I get my own horse. I will most likely be getting a Thoroughbred around 5 to 8 years of age. I will have him/her for Show Jumping purposes including competing. On average how much will insurance cost for this horse?

Homeowners insurance vs. property taxes?

which typically costs more homeowners insurance or property taxes?

Auto Insurance at 16?

How much could I expect it to be? I do live in Texas. I will be getting my permit soon (after I'm done with drivers ed), and to drive with it, I will need to be on my parents auto insurance, and I have to pay for it. I will not have a car for the time being so it shouldn't be really high?""

Which private dental insurance is the best and how much does it cost a month?

What would be an inexpensive car insurance company for drivers that dont have the best record due to speeding?

i live in Jacksonville,Fl if anyone knows a cheap insurance company""

Why are there not provisions in the ACA that put caps on how much health insurance premiums can increase?

I just bought into a health insurance policy as I work 2 part time jobs and get no benefits in those jobs. Now my health insurance provider is saying my health insurance premiums will increase by 50% with higher deductibles and higher out of pocket maximums. This will put a strain on my finance as I can barely afford what I have now and having a $1500 increase really hurt. Why did this ACA not have something to cap these outrageous premium increases plus benefit decreases? It seems to be making it unaffordable rather than affordable.

What's the insurance for a lamborghini gallardo?

NO! i'm not looking foward on buying one.. Cant afford it. People told me insurance for this car was $1000 a MONTH.. but i asked a couple people with lamborghinis in gas stations ...show more

Is auto insurance cheaper for trucks?

I have a turbocharged hatchback now, thinking about upgrading to a larger vehicle.""

Auto insurance broker fee in CA?

https://www.linkedin.com/pulse/i-considered-drive-car-without-insurance-bennett-sly"

0 notes

vodsel-prime · 7 years

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Car Accident Cases Going to Trial require a Trial Lawyer

When it comes to an auto accident, most of these claims are settled outside of court. However, if all of the attempts that you put forth fail in resolving your claim, your case will most likely go to trial and you will need a trial lawyer to help you along, not only with the case itself, but with the court trial itself. Below, we talk about what a trial is and why hiring a lawyer is so important.

What Is A Trial?

A trial is a culmination of proceedings in a personal injury case. During the trial, both parties will be given a chance to present evidence to the court. Once this type of process is finished, the court and the judge will come up with a final decision as to who is in the fault and who is not. Your trial lawyer can better guide you on exactly how the state of Utah and a trial concerning car accidents works.

Car accidents will usually be tried one of two ways;

1- You may be tried to a judge – this is called a bench trial.

2- You may be tried to a jury – this is called a jury trial.

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What Type Of Evidence Will Be Presented?

During a trial both the defendant and the plaintiff will be allowed to provide evidence. The evidence can include anything in written form such as police reports, eye witnesses that saw the accident happen, etc. The plaintiff is also allowed to present medical bills and records as well such as treatment from Doctors, medical bills, damages done to you or your car and records of injuries noted by a Doctor. Your trial lawyer can actually be helpful in getting the proper forms and evidence together so that you know exactly what to present to the judge or to the court. There’s nothing worse than having no idea how to handle a case like this, only to have it thrown out (or lose) because you weren’t prepared beforehand. That is why a trial lawyer can be so helpful in cases like these.

Jury Deliberation

If the case is a jury trial, at the end of the evidence and statements, the jury will deliberate and make a decision as to if you are or are not responsible for the accident. On the other hand, if your case is a bench trial, the judge will present the role of a jury, view the evidence of both parties and come up with a final decision.

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Appealing The Verdict

More often than not if you go to trial and you were not at fault, but you have a trial lawyer you will be represented properly, which also usually means you will win the case. However, if you chose not to hire a trial lawyer or if you lost the trial, you are allowed to appeal the judgment. However, this can be costly and can take even more time. Once the case has a final judgment, that’s it. You cannot go back and try the case again. This is another reason why it’s so important to have proper representation and hire a trial lawyer before the court trial even begins. Hiring a trial lawyer also gives him or her enough time to make sure that all of the information and evidence was collected properly so that you have a better chance at winning your case.

Free Initial Consultation with Lawyer

It’s not a matter of if, it’s a matter of when. Legal problems come to everyone. Whether it’s your son who gets in a car wreck, your uncle who loses his job and needs to file for bankruptcy, your sister’s brother who’s getting divorced, or a grandparent that passes away without a will -all of us have legal issues and questions that arise. So when you have a law question, call Ascent Law for your free consultation (801) 676-5506. We want to help you!

Ascent Law LLC8833 S. Redwood Road, Suite CWest Jordan, Utah 84088 United StatesTelephone: (801) 676-5506

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Source: http://www.ascentlawfirm.com/car-accident-cases-going-to-trial-require-a-trial-lawyer/

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ronlofland · 7 years

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Sue-per Bowl Shuffle IV: The Year In NFL-Related Intellectual Property Litigation

If you are a lawyer, there is a serious danger that someone at the Super Bowl party you attend is going to want to talk about an NFL-related legal issue. Did Cowboys owner Jerry Jones really have standing to challenge Commissioner Roger Goodell’s salary package? What is the status of Colin Kaepernick’s collusion lawsuit?

Actually, we can’t help you with those questions, but we can get you ready to discuss recent NFL-related intellectual property disputes. IP certainly was not the biggest NFL legal story in 2017, but you would be hard pressed to find another area of the law that has so consistently offered such a wide array of lawsuits pertaining to the sport. Our fourth annual Sue-per Bowl Shuffle, a review of the year in NFL-related intellectual property disputes, is just what you need to get up to speed.

So here’s the game plan. Laminate this article and place it next to the carrots … there they are, those orange things between the beer and the cake. If the game doesn’t live up to the hype and you get bored, just pull out this article and tell your friends about some interesting football-connected IP cases. If you read quickly enough, you will be done just in time for the Patriot’s inevitable fourth quarter comeback.

No More Slants and Skins

This will probably be the last time we lead with the WASHINGTON REDSKINS trademark, because Elvis has finally left the building on that particular issue. In June, the Supreme Court decided the landmark case of Matal v. Tam, which was brought by an Asian-American band calling itself The Slants (and which you can read about in more detail here). The band’s application to register its name as a trademark had been refused by the U.S. Patent and Trademark Office (“USPTO”) because Section 2(a) of the Lanham Act prohibited the registration of “disparaging” marks. The Supreme Court did not decide whether the name was or was not disparaging (that’s an argument we will no doubt continue to have, especially now that the Cleveland Indians are sort-of abandoning Chief Wahoo), but it did hold that Section 2(a)’s prohibition was an unconstitutional restraint on First Amendment rights, thus opening the floodgates for the registration of all sorts of offensive names – whether employed ironically or not.

What does this have to do with football? The REDSKINS trademark, of course. Native American groups have been complaining about the team’s name since the 1970’s, and litigating it since at least the 1990’s. Amanda Blackhorse and other Native Americans used Section 2(a) to argue for cancellation of the mark because of its disparaging nature, and Blackhorse won … at least at first. Both the USPTO’s Trademark Trial and Appeal Board (“TTAB”) and the Eastern District of Virginia, in Pro-Football, Inc. v. Blackhorse, agreed with her. However, while the team’s appeal was pending before the Fourth Circuit, The Slants case was decided by the Supreme Court. On January 18, 2018, the Fourth Circuit issued a “game over” order, acknowledging that the Supreme Court had decided the issue, and vacating the cancellation of the team’s registrations.

The upshot: Contrary to some reports, the team’s ability to use the REDSKINS name and logo was never in doubt (that’s not how trademark law works!). As a practical matter, the only thing that the decision changes is that the team can now enforce the registered mark against infringers without worrying about a potential Section 2(a) cancellation counterclaim. In fact, only days after The Slants decision, the NFL filed paperwork with the USPTO indicating an intent to challenge a Canadian entity’s application to register WASHINGTON RED NATION for sports-related clothing. Now all the team needs is a quarterback and they’re good to go for 2018.

Trying to Forget “A Gronking to Remember”

In 2014, Lacey Noonan (a pseudonym for a guy named Greg McKenna) self-published A Gronking to Remember, an erotic fiction in which a young couple’s relationship is torn apart by a woman’s sexual obsession with New England Patriots tight end Rob Gronkowski and “the primal power of the Gronk spike.” The original cover of the book featured a photograph of a young couple, with Gronkowski goofily looming in the background. However, it turns out that Noonan didn’t have permission to use the photo of the young couple; he simply “obtained the photograph from a public social media website.”

The couple in question (who we know as “Jane and John Roe”) filed suit against the author and the book’s online retailers. The complaint alleged that the Roes have been humiliated and embarrassed by their association with the book, and included a count for violation of the Ohio right of publicity statute (i.e., for unlawful commercial exploitation of their name or likeness). In March 2016, the Southern District of Ohio issued a ruling in Roe v. Amazon.com that kept the claims against Noonan in the case, but dismissed claims against the online retailers on the ground that they were not considered “publishers” of the offending photograph for purposes of Ohio law. The Sixth Circuit affirmed on other grounds, namely that there was no evidence the Roes’ image had “commercial value.” You can read more about the case here. The case against Noonan is still pending.

Gronk was involved in another IP dispute in 2017, this one before the TTAB. Early this year, Gronk Nation (his company) tried to register a silhouetted logo of Gronk spiking a football. Nike opposed in Nike v. Gronk Nation, LLC, arguing that the mark was too close to the famous JUMPMAN silhouette used by Nike to promote basketball products. Gronk abandoned that application, and later filed a new one for a silhouette with a more distinct appearance.

The Resurrection of Spuds Mackenzie

Just when you thought he was out of it, this year a legend came out of retirement to check into the big game. James Harrison? Think again, and say welcome back to canine Bud Light mascot, Spuds Mackenzie. Spuds (played by a female bull terrier named Honey Tree Evil Eye) made his debut in 1987 during Super Bowl XXI, but he was retired in 1989 after Anheuser-Busch was accused of using the pooch to encourage kids to drink. The dog passed away in 1993 and, by 1995, the company’s SPUDS MACKENZIE trademark registrations had lapsed.

In an ad during Super Bowl LI (last year’s game), the beer maker engaged in what it thought was a harmless trip down commercial memory lane, bringing Spuds back for a new ad as the ghost of parties past in a sort-of kegger version of Dickens’ A Christmas Carol. However, in the interim since Spuds’ initial retirement, the SPUDS MACKENZIE trademark had been claimed and registered by Mark Thomann, an entrepreneur who revives dormant brands in order to slap them on t-shirts and key chains (watch out COLECOVISION, he’s got you, too). Thomann brought a trademark infringement action in the Southern District of New York. The case, Spuds Ventures, LLC v. Anheuser-Busch, was settled shortly after it was filed. Rest in peace, Honey Tree.

Protecting the Shield

If there is one thing as certain as death and taxes, it is the obligatory January articles about how the NFL will enforce its marks around Super Bowl time. At the risk of repeating those dire warnings, let’s look at some of the NFL’s actual enforcement issues during the past year. In the category of “most likely to be sued by the NFL,” we have the National Security Lock Company. The company apparently noticed one day that its initials (“NSL”) were one letter off from “NFL,” so it developed a logo depicting a padlock with the same color, design and shape as the NFL shield, and bearing the letters “NSL” in a similar font. When the company tried to register that mark, the NFL filed an opposition, and NFL Properties, LLC v. National Security Lock is pending. You may not be surprised to learn that National Security Lock appears to be proceeding without the benefit of counsel.

London has been a friendly venue for NFL games in the last few years, and it’s getting more friendly for NFL trademarks as well. In the matter of QL Partnership Ltd, the NFL opposed the registration of SUPERBOWL UK for a tenpin bowling chain. The UK Registrar sided with the NFL, concerned that there was an “indirect” likelihood of confusion, to wit, that consumers might view Super Bowling as a brand extension of the Super Bowl.

The NFL has a different kind of opponent in the Super Bakery, a Pittsburgh company affiliated with Steelers great Franco Harris. The Super Bakery’s previous attempt to register SUPER BOWL for whole wheat bread met an ignominious end. Undaunted, the bakery now has dozens of pending applications for EAGLEADE, PATRIOTADE, DOLPHINADE (ick!) … you get the idea. The NFL so far has filed oppositions with regard to VIKINGADE and RAMADE. NFL Properties v. Super Bakery.

Barstool Sports has been a bit of an NFL gadfly, among other things selling t-shirts depicting Roger Goodell with a clown nose as a protest over Tom Brady’s suspension. Apparently, the two organizations had another small tiff when the NFL started selling t-shirts that read “Sundays Are For [insert your team name here].” In December 2017, Barstool issued a cease and desist letter claiming that these shirts infringed its own registered SATURDAYS ARE FOR THE BOYS mark. The shirts came down off the NFL website, and Barstool claimed victory with what passes for class these days: bragging on Twitter that “We have conquered the NFL.”

Brian Urlacher’s Hair and Other Great Personae

Rob Gronkowski was not the only player whose persona gave rise to NFL-related right of publicity claims this year. During his playing career for the Chicago Bears, former linebacker Brian Urlacher was known for his clean-shaven pate. But after his playing career, he became a spokesperson for Restoration Holdings, a hair restoration company. A competing company, the Charles Medical Group, decided to get a hairpiece of the action by allegedly using Urlacher’s name in its press releases and in the meta data of its website. Urlacher wigged out and filed a right of publicity case, Urlacher v. Charles, in Illinois State Court.

Meanwhile, Davis v. Electronic Arts is still alive in federal court, eight years after being filed. The case, brought by former players including LA Rams quarterback Vince Ferragamo and Cowboys tight end Billy Joe Dupree, alleges that the Madden NFL video games violated their right of publicity by including their likenesses and statistics in the game’s “historic teams” mode. In 2015, the Ninth Circuit held that the First Amendment did not bar right of publicity claims over such realistic portrayals of former players in the game. EA Sports’ petition for certiorari to the Supreme Court was denied, sending the parties back to the Northern District of California. In December 2017, the Northern District denied another motion to dismiss brought by EA Sports.

Somewhat similar claims, brought by Pittsburgh Steelers running back Cameron Stingily and other former college players over the use of their names and statistics in connection with fantasy sports websites, were dismissed by the Northern District of Indiana. The Court in Daniels v. FanDuel found that certain state statutory exceptions barred the claims, including that the information used on the sites was “newsworthy” and involved matters of “general public interest.”

Let’s throw the “greatest” sports persona of all time into this ring. Muhammed Ali died several months before Super Bowl LI aired on Fox last year. As a tribute, the network created a video opening to the program that depicted stirring footage of Ali and compared his “greatness” to the “greatness” of NFL players. The estate of Ali filed suit in the Northern District of Illinois, alleging that this was a commercial use of Ali’s image, for which the network should have asked permission (and paid). Fox’s failure to do so, the estate contends in Muhammed Ali Enterprises v. Fox Broadcasting, violated Ali’s post-mortem right of publicity under Illinois law and constituted a false endorsement in violation of Section 43(a) of the Lanham Act. Currently pending is Fox’s motion to dismiss, which argues that the Illinois court must apply California’s anti-SLAPP statute and throw out the case.

The Twelfth Man

The Seattle Seahawks license the 12TH MAN mark from Texas A&M, reportedly for $18,000 a year. Is it worth it? Sure, it’s a great metaphor for the energetic and supportive Seattle fan base. But protecting the trademark rights in a number appears to require so much vigilance that we should probably start calling the team’s trademark lawyers the “13th Man.” Here are a few of the matters that kept those lawyers busy this year:

The Seahawks successfully stopped a Washington resident from registering 12TH AVENUE SPORTS for retail sporting goods stores and “providing news and information in the field of sports.” After the team opposed the registration, the applicant defaulted. Football Northwest, LLC v. Barry.

The Seahawks’ opposition to a Washington company’s application to register THE SPIRIT OF THE 12’S for bottled water is still pending. The team owns the same mark for charitable events and entertainment. Football Northwest, LLC v. PMS Water.

The Seahawks opposed a Seattle applicant’s attempt to register TURN UP THE VOLUME TO 12 for t-shirts. The team alleged that one of its licensees had previously used the slogan for a Seahawks t-shirt, thus giving it some priority in the mark. However, the team withdrew the opposition after the applicant pled that it had even earlier priority. Football Northwest, LLC v. Brunelle.

The Puyallup, Washington resident who applied for THE 12TH HAWK mark for sports gear (clever, leaving out “SEA,” but the team noticed) also defaulted after the Seahawks opposed. Football Northwest, LLC v. Tamer.

A resident of Seabeck, WA tried another approach: adding a space. He applied to register TW ELVES for athletic apparel. Nope, the Seahawks noticed that one too, and the team’s opposition is pending. Football Northwest, LLC v. Watson.

The NFL, the Seahawks and Texas A&M all announced their intent to oppose the Bronco Wine Company’s application to register the TWELFTH MAN mark for wine, and the application was quickly abandoned. Football Northwest, LLC v. Bronco Wine Company.

Finally, the Seahawks’ own application to register 12 for restaurant and bar services was refused on the grounds it might be confused with the TWELVE mark owned by the Twelve Hotel in Atlanta. The refusal was affirmed by the TTAB. In re Football Northwest, LLC.

Who Owns Dat Website?

The history of the “Who Dat” idiom dates back long before the NFL existed, and its use as a chant by New Orleans fans (“Who dat? Who dat? Who dat say dey gonna beat dem Saints?”) started sometime before 1983, when it was officially adopted by the team. In October of that same year, Who Dat, Inc. started selling WHO DAT-branded products around New Orleans, and later migrated the business online to www.whodat.com. In 2006, a group of die-hard Saints fans set up www.whodatnation.com as a forum for news and information about the team and its fans. The websites coexisted peacefully for eleven years, but last year Who Dat, Inc. filed a Uniform Domain Name Dispute Resolution Policy (“UDRP”) complaint with the National Arbitration Forum (“NAF”), alleging that the site was “disrupting” its business by hosting a link to a competing t-shirt maker, and asking that the site be taken away from the fans. The NAF, in Who Dat?, Inc. v. Direct Privacy, was not impressed by this argument, held that there was no evidence of either bad faith or consumer confusion, and suggested that the complainant’s only claim, if any, was against the competing t-shirt maker.

TitleTown

The Green Bay Packers had a little more luck wrestling away title to www.titletown.com from respondent Headquarters.com, Inc., which was employing the domain to promote website traffic monetization services. The Packers have been using the hubristic TITLETOWN mark to promote themselves since the early 1960’s, and have several trademark registrations for the name. In a UDRP proceeding filed by the Packers with the World Intellectual Property Organization (“WIPO”), Headquarters.com argued that it had not registered the domain in bad faith because it was unaware of the Packers’ TITLETOWN mark and because its original plan (which fell through) was to use the name descriptively for real estate services. The WIPO arbitrator in Green Bay Packers, Inc. v. Aranda had trouble swallowing that story, in part because the domain had from time to time been used to host information about the Packers, but also because the two owners of Headquarters.com were Wisconsin residents. The domain was ordered transferred, and it’s now in the hands of the Packers’ Titletown District, a development project adjacent to Lambeau field.

The Packers are also fighting over the TITLETOWN mark in the TTAB, opposing an application by the McClatchy media company to register TITLETOWN, TX for a Star-Telegram documentary series on high school football. The Packers’ opposition, Green Bay Packers, Inc. v. McClatchy U.S.A., Inc., is pending.

Conan O’Brien was Just Kidding

On February 1, 2015, the Patriots won Super Bowl XLIX, arguably due to the Seahawks’ inexplicable decision not to hand the ball to Marshawn Lynch, which led to a heroic interception by Malcolm Butler. On February 4, talk show host Conan O’Brien made the following joke during his monologue:

Tom Brady said he wants to give the truck that he was given as Super Bowl MVP . . . to the guy who won the Super Bowl for the Patriots. Which is very nice. I think that’s nice. I do. Yes. So Brady’s giving his truck to Seahawks coach Pete Carroll.

Not really a joke worth fighting over, right? Wrong. Freelance writer Robert Kaseberg claims that he put a substantially similar joke on his blog and Twitter feed the day before O’Brien delivered it. Specifically, Kaseberg posted: “Tom Brady said he wants to give his MVP truck to the man who won the game for the Patriots. So enjoy that truck, Pete Carroll.” According to Kaseberg, this was not the only time O’Brien’s writing staff had purloined his jokes, and he filed suit for copyright infringement in the Southern District of California.

After some discovery, O’Brien moved for summary judgment. Included among O’Brien’s arguments was the assertion that, because the jokes contained so many unprotectable elements (e.g., Tom Brady’s real life statement, the fact that Pete Carroll coaches the Seahawks, etc.), they were entitled only to “thin” copyright protection, and therefore there was no infringement unless the jokes were “virtually identical.” In Kaseberg v. Conaco, the Court dismissed some of the case, but not the part pertaining to the Brady joke. The Court held that the small protectable part of the joke, the fictionalized implication that Brady would give his truck to Carroll, was virtually identical in both versions.

Hey, That was My Idea!

As usual, several active NFL-related IP cases concerned allegedly stolen ideas. Attorney Nick Katsoris is the author of the Loukoumi the Lamb children’s books. Just like all lawyers, Loukoumi is “a fluffy little lamb that just wants to make the world a better place.” Katoris had teamed up with the IMG talent agency to pitch a project to Nickelodeon in which children would be encouraged to draw a picture of themselves with Loukoumi and complete the phrase: “I want to be a ________ because _____”. Nickelodeon declined to participate in the project with Katsoris, but subsequently teamed up with IMG to launch an allegedly similar program called “I wanna be…” (later renamed “All in”), starring and executive produced by Carolina Panthers quarterback Cam Newton. Katsoris attempted to engage IMG in arbitration pursuant to the terms of an agreement he had signed with the agency, but this attempt was apparently rebuffed. In 2016, Katsoris filed a complaint against IMG and Nickelodeon in the Southern District of New York, alleging that the program infringes both his copyrights and trademarks. After the defendants moved to dismiss, Katsoris countered with a motion to compel arbitration. In Katsoris v. WME IMG, LLC, the Court granted this motion as to IMG. Katsoris and IMG proceeded to arbitration, and the Court stayed the case against Nickelodeon in the meantime.

In Reed v. NFL, the Central District of California dismissed an implied contract claim asserting theft of an idea by the league. Ricky Reed had allegedly submitted to the NFL his idea for “NFL: The Next Generation,” which he described as the “football version of American Idol.” The NFL claimed not to have read his proposal, but Reed called this “a lie that only a fool would believe” and alleged that the NFL used his idea to create “Undrafted,” a television program about the struggles of undrafted college players who are still pursuing their NFL dreams. On appeal, the Ninth Circuit summarily affirmed the District Court, holding that Reed failed sufficiently to allege that he had conditioned his submission of the idea upon an obligation to pay if it was used.

Advertising agency Betty, Inc.’s proposal to Pepsi gave rise to another idea dispute. Pepsi’s 2016 Super Bowl ad began with the close-up of a jukebox, followed by the transcendent Janelle Monae dancing from room to room, each room encompassing the music and style of a different decade. Betty, Inc. alleges that the ad was derived from a written proposal it pitched to Pepsi the previous year, called the “human jukebox,” in which a “hero character” moves from location to location within a jukebox, each location featuring the “Joy of Pepsi” jingle in a different musical genre. In September 2017, the Southern District of New York, in Betty, Inc. v. PepsiCo, Inc., denied Pepsi’s motion to dismiss Betty’s copyright infringement claim. The Court could not conclude as a matter of law that the final commercial was not substantially similar to the written proposal.

Betting on the Raiders

The Oakland Raiders’ potential move to Las Vegas continues to encourage a boomlet in trademark speculation. Here are a few of the silver and black IP disputes active in 2017:

A Texas applicant gambled on an application to register CASINO RAIDERS for hats and t-shirts. After the Raiders opposed, the applicant folded. The Oakland Raiders v. Bender.

Another applicant defaulted on his attempt to register RAIDERS BABY RAIDERS for bumper stickers and t-shirts, after his application was met with a swift opposition by the team. The Oakland Raiders v. Keene.

A Las Vegas entrepreneur applied to register SILVER & BLACK NATION for (surprise!) t-shirts and the like. The Raiders, who own the RAIDERS NATION mark and already sell “Silver and Black Raiders Nation” shirts, filed an opposition, and the matter is pending. The Oakland Raiders v. Hong.

Of course, even if the Raiders move, they will still have been BORN IN OAKLAND, which is perhaps why they applied to register that mark for clothing and entertainment services. But the Columbia Insurance Company, a Nebraska corporation, came forward claiming that the registration would be confusingly similar to its own registered BORN marks for clothing (it apparently owns the Born Shoes brand). That opposition is pending. Columbia Insurance Company v. The Oakland Raiders.

(Alleged) Fakes and Frauds

Counterfeit products are always going to be a part of the NFL IP experience, and this year was no exception. In U.S. v. CK Productions, the U.S. Attorney’s office in Boston put a stop to a New Hampshire screen printing company responsible for shipping 1,700 counterfeit Patriots t-shirts across the border into Massachusetts just in time for Super Bowl XLIX. The defendant company pled guilty and the prosecutors recommended a fine of $68,000, a big amount considering that the t-shirts were worth only $29,000, but a small amount considering that the statute would have allowed a fine up to $5 million.

In Handy Liquor v. California Alcohol Beverage Control Dept., a California liquor store had its license suspended for among other things selling counterfeit 49ers baseball caps for $7.99. An investigator for the officially licensed cap maker walked into the store and asked if they were fake. The obliging clerk helpfully pointed out the counterfeit mark (thus proving infringement), advised the investigator that they were indeed fake (thus admitting intent), and indicated that the authentic cap would run about $40 (thus providing proof of harm). The suspension was affirmed.

Meanwhile, legendary quarterback Joe Theismann finally rid himself of a case alleging another kind of fake. Theismann served as the celebrity spokesperson for Super Beta Prostate, which was marketed as a treatment for the symptoms of benign prostate hyperplasia. Back in 2013, a group of plaintiffs filed a class action suit in the Eastern District of California against Theismann and the makers of the product, alleging the product��s effectiveness was falsely advertised and that it should have been characterized as a “new drug” subject to FDA scrutiny. The complaint was originally dismissed in 2014, but the Ninth Circuit in Luman v. Theismann revived certain claims against the company. The Court made clear that this revival did not include claims against Theismann who, as a mere spokesperson, was not an appropriate defendant under California’s false advertising laws. On remand in 2017, the District Court dismissed the remaining claims pursuant to the primary jurisdiction doctrine, because whether or not the product was a “new drug” was a matter only the FDA could decide.

Stealing a Glance

Photographer Justin Goldman was not happy that his photo of Tom Brady walking with members of the Boston Celtics appeared without authorization on Yahoo.com, Breitbart News, the Boston Globe website and elsewhere. Goldman brought a copyright infringement action in the Southern District of New York. The media defendants jointly moved to dismiss, arguing in part that their use of the photograph was a fair use, because it depicted the newsworthy event of Tom Brady’s potential role in the closely watched off-season moves of NBA star Kevin Durant. The defendants also argued that they never actually hosted unauthorized copies of the photograph, but rather the image appeared on their websites only as embedded content provided by (and hosted by the servers of) a third party news service. In Goldman v. Breitbart News Network, the Court indicated that these issues were too fact-heavy to decide on a motion to dismiss, but the defendants’ motion for partial summary judgment on that issue is now pending.

Taking it on the Chin

Sportstar Athletics, which makes a chinstrap technology worn by the likes of Drew Brees and Ben Roethlisberger, filed a patent infringement suit in the Southern District of Texas. The complaint in Sportstar Athletics v. Wilson Sporting Goods alleged that Wilson’s hard cup football chinstrap infringed Sportstar’s “strap splitter” patents, because both products allow a player to affix a single chinstrap to multiple hookups on the helmet instead of buying chinstraps for each kind of hookup. The parties fought over Sportstar’s definition of “strap splitter,” and whether it is essentially equivalent to Wilson’s “strap divider.” In September, the court determined that the products achieved the same result but through different functional means, and issued a judgment of non-infringement.

More Trademark Tussles

It seems that every year, there are more and more spats over NFL-related trademarks in the TTAB. Here are a few of the disputes we haven’t already discussed:

Kansas City Chiefs’ linebacker Tamba Hali applied to register TAMBA HALI for jewelry and apparel, but the application was refused because of the preexisting TAMBA mark for apparel and surfing accessories. Hali argued that he was a well-known football player whose full name was unlikely to be confused with the single word TAMBA mark, but the TTAB held that there was no evidence that consumers of the relevant products know who he is. The TTAB also agreed with the examiner that TAMBA was the dominant portion of each mark, and that the goods in question were either identical (clothing) or related (jewelry). The refusal was affirmed. In re Hali.

Another applicant abandoned its attempt to register GO BIG BLUE! for horse-related educational services, after the New York Giants, the NFL, Duke University and the University of Kentucky all indicated an intent to oppose. The applicant, Calumet Farm of Kentucky, may have been seeking registration of the mark in relation to its stud horse, Big Blue Kitten, which you can rent for breeding at $15,000 a pop (but please don’t shout GO BIG BLUE! during the rental, because that’s just weird). NFL Properties, LLC v. Calumet Farm.

The NFL has launched a raft of TTAB oppositions against Joshua Morrell of Philadelphia, who is attempting to register a ton of trademarks for apparel with the name of a professional sports team followed by USE ONLY (e.g., EAGLES USE ONLY). In NFL Properties LLC v. Morrell, the applicant’s hometown squad teamed up with the Texans, Jets, Cardinals, Rams, Bears, Pats and even the Giants to oppose these marks, alleging that Morrell intends to use the registrations to sell a bunch of knockoff goods. A consolidated opposition is pending.

The CALIFORNIA RAMILY mark for athletic apparel was opposed by the Los Angeles Rams. The mark consists of a mock version of the California flag with a tought looking ram in the center. The Los Angeles Rams claim that “Ramily” has long been used as nickname for its fan base. The applicant’s lone affirmative defense is: “The state flag of California contains a Ram.” I thought it was a bear, but what do I know. By the way, in case you think the Rams are overreaching here, it should be noted that complaint contains tweets from the applicant indicating that indeed, his intention is to use the mark in connection with Rams football t-shirts. The matter is pending before the TTAB. The Los Angeles Rams, LLC v. Torres.

Who wants an icy cold CHARGERITA? Not the Chargers Football Company, which indicated its intent to oppose registration of the CHARGERITA energy drink mark, leading to the application’s abandonment. Chargers Football Company, LLC v. Bell.

SKOL!

Let’s end with the Minnesota Vikings, who had an up-and-down year, an even more up-and-down playoff run, and whose fans now have to play host to a game that the team was just one off-day away from playing in. The Vikings applied to register the SKOL mark for apparel (“Skol, Vikings” is the team’s official song, “Skol” being a Danish-Norwegian-Swedish term for “cheers” or “good health”). The application was denied by the USPTO because of the SKOLTECH mark for apparel, which had been registered by an educational institution in Moscow in 2016. Last year, the Vikings initiated a cancellation proceeding against the SKOLTECH mark, arguing that the Moscow entity is not actually using it in commerce. The matter is pending. Minnesota Vikings Football, LLC v. Autonomous Non-Profit Organization for Higher Education Skolkovo Institute of Science and Technology.

And what about the Minneapolis Miracle? The day after that game, the Vikings applied to register MINNEAPOLIS MIRACLE and MINNESOTA MIRACLE for all sorts of goods and services. But two days after that, backup-to-starter quarterback Case Keenum, who threw the miracle pass, applied to register the same two marks, plus MIRACLE OF MINNESOTA, for some of the same goods (e.g., football helmets). Are we headed for a quarterback controversy in Minnesota? Yes, and maybe a trademark dispute as well.

Editor’s Note: You can see previous installments of the Sue-per Bowl Shuffle here (2015), here (2016), and here (2017). Also . . . Go Iggles!

Source: http://ift.tt/2noXV32

#trademark law #trademarks

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anthonyekoehler · 6 years

Text

Crown Asset Management

Debt collectors like Crown Asset Management, LLC cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.

THE BEST PART IS…

If Crown Asset Management violated the law, you will get money damages and they will pay your attorney’s fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 888-572-0176 for a free consultation.

Who is Crown Asset Management, LLC?

Crown Asset Management is a debt collection and consulting agency based in Duluth, Georgia. Founded in 2004, Crown Asset Management also works with a network of law firms in all 50 states and has been accredited by the Better Business Bureau (BBB) since its founding.

Crown Asset Management’s Address, Phone Number, and Contact Information

Crown Asset Management is located at 3100 Breckinridge Blvd #725, Duluth, GA 30096. The main telephone number is 770-817-6700 and the main website is www.crownasset.com/.

Crown Asset Management Lawsuits

If you want to know just how unhappy consumers are with Crown Asset Management, take a look at the lawsuits filed against the agency on the Public Access to Court Electronic Records (“PACER”). PACER is the U.S.’s federal docket which lists federal complaints filed against a wide range of companies. A search for the agency will display over 200 lawsuits filed in the U.S., and these typically involve violations of consumer rights and/or the Fair Debt Collection Practices Act (FDCPA).

Crown Asset Management Complaints

The Fair Debt Collection Practices Act (FDCPA) is a federal law which applies to everyone in the United States. In other words, everyone is protected under the FDCPA, and this Act is a laundry list of what debt collectors can and cannot do while collecting a debt, as well as things they must do while collecting debt. If Crown Asset Management is harassing you over a debt, you have rights under the FDCPA.

The Telephone Consumer Protection Act (TCPA) protects you from robocalls, which are those annoying, automated, recorded calls that computers make all day long. You can tell it’s a robocall because either no one responds on the other end of the line, or there is a delay when you pick up the phone before a live person responds. You can receive $500 per call if Crown Asset Management violates the TCPA. Have you received a message from this agency that sounds pre-recorded or cut-off at the beginning or end? These are tell-tale signs that the message is pre-recorded, and if you have these messages on your cell phone, you may have a TCPA case against the agency.

The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. If Crown Asset Management took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. Crown Asset Management, like most collection agencies, wants to set up recurring payments from consumers; imagine how much money it can earn if hundreds, even thousands, of consumers electronically pay them $50 – $100 or more per month. If you agreed to this type of reoccurring payment, the agency must follow certain steps to comply with the EFTA. Did Crown Asset Management continue to take electronic payments after you told them to stop? Did they take more money from your checking account than you agreed to? If so, we can discuss your rights and potential case under the EFTA.

The Fair Credit Reporting Act (FCRA) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We’ve handled many cases in which a debt collection agency reported debt on a consumer’s credit report to obtain leverage over the consumer. If Crown Asset Management is on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay it; this is commonly known as “pay for delete.” If the original creditor is on your report rather than the debt collector, and you pay off the debt, both entities should accurately report this on your credit report.

How do we Use the Law to Help You?

We will use state and federal laws to immediately stop Crown Asset Management’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if Crown Asset Management violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to $1,000 in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorney’s fees and costs. If you have a TCPA case against the agency, we will handle it based on a contingency fee and you won’t pay us a dime unless you win.

THAT’S NOT ALL…

What if Crown Asset Management is on my Credit Report?

THE GOOD NEWS IS…

If Crown Asset Management is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly: along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or even being a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute it, and my office will help you obtain your credit report and dispute any inaccurate information.

REMEMBER…

If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000, and the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency will pay your attorney’s fees and costs. You won’t owe us a dime for our services. We have helped hundreds of consumers fix inaccurate information on their credit reports, and we’re ready to help you, too.

Complaints against Crown Asset Management

Here are some of the Better Business Bureau (BBB) reviews and complaints against Crown Asset Management:

“I discovered that Crown Asset Management Company is suing me for $2554, but the problem is I don’t know for what and the company they are representing. I have not received any correspondence from them at all. It’s my understanding that they do this on a regular basis without merit.”

“I received two letters from local attorneys stating I am being sued by Crown Asset Management, LLC. I have never been contacted by them and have never heard of them. I looked them up online and called them and they won’t give me any information as to what this is regarding…This can’t be legal…”

“I have tried multiple times to contact this company in regards to a debt collection they have placed on my credit. I have received no responses. This company has placed a $772 debt collection on my credit that is not possibly mine. I have received nothing from them in writing nor any phone calls, yet they have placed this debt amount on my credit and that is not right.”

What Our Clients Say about Us

Agruss Law Firm has over 825 outstanding client reviews through Yotpo, an A+ BBB rating, and over 110 five-star reviews on Google. Here’s what some of our clients have to say about us:

“Michael Agruss handled two settlements for me with great results and he handled them quickly. He also settled my sister’s case quickly and now her debt is clear. I highly recommend Michael.”

“Agruss Law Firm was very helpful, they helped me solve my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!”

“Agruss Law Firm was very helpful to me and my veteran father! We were harassed daily and even called names for a loan that was worthless! Agruss stepped in and not only did they stop harassing, they stopped calling all together!! Even settled it so I was paid back for the problems they caused!”

Can Crown Asset Management Sue Me?

Although anyone can sue anyone for any reason, we have not seen Crown Asset Management sue consumers, and it’s likely that the agency does not sue because they don’t always own the debt they are attempting to collect, and would also need to hire a lawyer, or use in-house counsel, to file a lawsuit. It’s also likely that the agency collects debt throughout the country, and it would be quite difficult to have lawyers, or a law firm, licensed in every state. However, there are collection agencies that do sue consumers; for example, Midland Credit Management is one of the largest junk-debt buyers, and it also collects and sues on debt. Still, it is less likely for a debt collector to sue you than for an original creditor to hire a lawyer or collection firm to sue you. If Crown Asset Management has threatened to sue you, contact Agruss Law Firm, LLC as soon as possible.

Can Crown Asset Management Garnish my Wages?

No, unless they have a judgment. If Crown Asset Management has not sued you, then the agency cannot get a judgment. Barring limited situations (usually involving debts owed to the government for student loans, taxes, etc.), a company must have a judgment in order to garnish someone’s wages. In short, we have not seen this agency file a lawsuit against a consumer, so the agency cannot garnish your wages, minus the exceptions listed above. If Crown Asset Management has threatened to garnish your wages, contact our office right away.

Crown Asset Management Settlement

If you want to settle a debt with Crown Asset Management, ask yourself these questions first:

Do I really owe this debt?

Is this debt within the statute of limitations?

Is this debt on my credit report?

If I pay this debt, will Crown Asset Management remove it from my credit report?

If I pay this debt, will the original creditor remove it from my credit report?

If I pay this debt, will I receive confirmation in writing from Crown Asset Management for the payment and settlement terms?

These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay-for-delete, or any other legal issue with Crown Asset Management, we at Agruss Law Firm are here to help you.

Top Debt Collection Violations

Debt collection laws provide a laundry list of what collectors can and cannot do while collecting a debt. Based on our years of experience handling thousands of debt collection harassment cases, here’s what collection agencies most often do to violate the law:

Called you about a debt you do not owe.

Called you at work after you told them you cannot receive calls at work.

Left you a message without identifying the company’s name.

Left you a message without disclosing that the call is from a debt collector.

Called third-parties (family, friends, coworkers, or neighbors) even though the collection agency knows your contact information.

Disclosed to a third-party (family, friends, coworkers, or neighbors) that you owe a debt.

Contacted you after you said to stop calling.

Threatened you with legal action (such as a lawsuit or wage garnishment).

Called you before 8:00 AM or after 9:00 PM.

Continued to call you after you have told the collector you cannot pay the debt.

Communicated (phone or letter) with you after you filed for bankruptcy.

Failed to mark the debt on your credit report as disputed after you disputed the debt.

Frequently Asked Questions

Do I have to pay your fees and costs for helping me with my consumer rights case? No. We handle consumer rights cases based on a fee-shift provision and/or a contingency fee. That means either the other side pays your fees and costs, or we take a percentage of your recovery. Whether it’s a fee-shift case or a contingency-fee case, we don’t get paid unless you get paid, and you’ll never owe us a penny for our time.

What are the damages I can get under the Fair Debt Collection Practices Act? If a collection agency violates any section of the FDCPA, you are entitled to damages up to $1,000.00. You may also be entitled to actual damages if the violation caused you out-of-pocket expenses. For example, if a collection agency threatens you with legal action to induce you to pay the debt, you may be able to get your payment back as actual damages.

What are the damages under the Telephone Consumer Protection Act? You can get $500 per robocall, or $1,500 per robocall if the robocalls were willful. In any type of settlement, Defendants often pay much less than $500 per call. However, if there are 50 calls at issue, even at $250 per call, your case could settle for $12,500.00.

What type of debt is covered under the Fair Debt Collection Practices Act? Only consumer debt, such as personal, family, and household debts. For example, money you owe on a personal credit card, an auto loan, a medical bill, or a utility bill. The FDCPA does not cover debts you incurred to run a business, or debts regarding unpaid taxes, or traffic tickets.

Does the Fair Debt Collection Practices Act apply to banks or credit card companies? No. Only third-party debt collectors are bound by the FDCPA. Original creditors, such as banks and credit card companies, are not bound by the FDCPA.

Are there state laws that protect me from original creditors? Yes! Several states also have laws that provide its citizens an additional layer of protection. If you live in California, Connecticut, Florida, Kansas, Massachusetts, Michigan, Missouri, Montana, North Carolina, Nevada, Oklahoma, Pennsylvania, Texas, or Wisconsin, you have additional state-law rights.

Are mistakes on credit reports common? Yes! Are you one of the 40 million Americans who have a mistake on their credit report? Mistakes on your credit report can be very costly. Along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or maybe you were a victim of identity theft.

What do I do if I have a mistake on my credit report? If you have a mistake on your credit report, there is a process to dispute them. My office will help you pull your credit report and dispute any inaccurate information. If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000.00, plus the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency pays your attorney’s fees and costs. Therefore, you will not pay me a penny for my time. To speed up the process, please get a free copy of your credit report at www.annualcreditreport.com. You can also learn more about the FCRA and your rights at http://www.agrussconsumerlaw.com/practices/common-credit-report-errors/.

Share your Complaints against Crown Asset Management Below

We encourage you to post your complaints about Crown Asset Management. Sharing your complaints against this agency can help other consumers understand what to do when this company starts calling. Sharing your experience may help someone else!

HERE’S THE DEAL!

If you are being harassed by Crown Asset Management over a debt, you may be entitled to money damages – up to $1,000 for harassment, and $500 – $1,500 for illegal robocalls. Under state and federal laws, we will help you based on a fee-shift provision and/or contingency fee, which means the debt-collector pays your attorney’s fees and costs. You won’t owe us a dime for our services. We have settled thousands of debt collection harassment cases, and we’re prepared to help you, too. Contact Agruss Law Firm at 888-572-0176 to stop the harassment once and for all.

The post Crown Asset Management appeared first on Agruss Law Firm, LLC.

Crown Asset Management published first on https://agrusslawfirmllc.tumblr.com

#Debt collection law #consumer law #Debt relief

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agrusslawfirmllc · 6 years

Text

Crown Asset Management

Debt collectors like Crown Asset Management, LLC cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.

THE BEST PART IS…

Who is Crown Asset Management, LLC?

Crown Asset Management’s Address, Phone Number, and Contact Information

Crown Asset Management is located at 3100 Breckinridge Blvd #725, Duluth, GA 30096. The main telephone number is 770-817-6700 and the main website is www.crownasset.com/.

Crown Asset Management Lawsuits

Crown Asset Management Complaints

The Telephone Consumer Protection Act (TCPA) protects you from robocalls, which are those annoying, automated, recorded calls that computers make all day long. You can tell it’s a robocall because either no one responds on the other end of the line, or there is a delay when you pick up the phone before a live person responds. You can receive $500 per call if Crown Asset Management violates the TCPA. Have you received a message from this agency that sounds pre-recorded or cut-off at the beginning or end? These are tell-tale signs that the message is pre-recorded, and if you have these messages on your cell phone, you may have a TCPA case against the agency.

The Fair Credit Reporting Act (FCRA) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We’ve handled many cases in which a debt collection agency reported debt on a consumer’s credit report to obtain leverage over the consumer. If Crown Asset Management is on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay it; this is commonly known as “pay for delete.” If the original creditor is on your report rather than the debt collector, and you pay off the debt, both entities should accurately report this on your credit report.

How do we Use the Law to Help You?

THAT’S NOT ALL…

What if Crown Asset Management is on my Credit Report?

THE GOOD NEWS IS…

REMEMBER…

If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000, and the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency will pay your attorney’s fees and costs. You won’t owe us a dime for our services. We have helped hundreds of consumers fix inaccurate information on their credit reports, and we’re ready to help you, too.

Complaints against Crown Asset Management

Here are some of the Better Business Bureau (BBB) reviews and complaints against Crown Asset Management:

What Our Clients Say about Us

Agruss Law Firm has over 825 outstanding client reviews through Yotpo, an A+ BBB rating, and over 110 five-star reviews on Google. Here’s what some of our clients have to say about us:

“Michael Agruss handled two settlements for me with great results and he handled them quickly. He also settled my sister’s case quickly and now her debt is clear. I highly recommend Michael.”

“Agruss Law Firm was very helpful, they helped me solve my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!”

“Agruss Law Firm was very helpful to me and my veteran father! We were harassed daily and even called names for a loan that was worthless! Agruss stepped in and not only did they stop harassing, they stopped calling all together!! Even settled it so I was paid back for the problems they caused!”

Can Crown Asset Management Sue Me?

Can Crown Asset Management Garnish my Wages?

Crown Asset Management Settlement

If you want to settle a debt with Crown Asset Management, ask yourself these questions first:

Do I really owe this debt?

Is this debt within the statute of limitations?

Is this debt on my credit report?

If I pay this debt, will Crown Asset Management remove it from my credit report?

If I pay this debt, will the original creditor remove it from my credit report?

If I pay this debt, will I receive confirmation in writing from Crown Asset Management for the payment and settlement terms?

These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay-for-delete, or any other legal issue with Crown Asset Management, we at Agruss Law Firm are here to help you.

Top Debt Collection Violations

Called you about a debt you do not owe.

Called you at work after you told them you cannot receive calls at work.

Left you a message without identifying the company’s name.

Left you a message without disclosing that the call is from a debt collector.

Called third-parties (family, friends, coworkers, or neighbors) even though the collection agency knows your contact information.

Disclosed to a third-party (family, friends, coworkers, or neighbors) that you owe a debt.

Contacted you after you said to stop calling.

Threatened you with legal action (such as a lawsuit or wage garnishment).

Called you before 8:00 AM or after 9:00 PM.

Continued to call you after you have told the collector you cannot pay the debt.

Communicated (phone or letter) with you after you filed for bankruptcy.

Failed to mark the debt on your credit report as disputed after you disputed the debt.

Frequently Asked Questions

Do I have to pay your fees and costs for helping me with my consumer rights case? No. We handle consumer rights cases based on a fee-shift provision and/or a contingency fee. That means either the other side pays your fees and costs, or we take a percentage of your recovery. Whether it’s a fee-shift case or a contingency-fee case, we don’t get paid unless you get paid, and you’ll never owe us a penny for our time.

What do I do if I have a mistake on my credit report? If you have a mistake on your credit report, there is a process to dispute them. My office will help you pull your credit report and dispute any inaccurate information. If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000.00, plus the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency pays your attorney’s fees and costs. Therefore, you will not pay me a penny for my time. To speed up the process, please get a free copy of your credit report at www.annualcreditreport.com. You can also learn more about the FCRA and your rights at http://www.agrussconsumerlaw.com/practices/common-credit-report-errors/.

Share your Complaints against Crown Asset Management Below

HERE’S THE DEAL!

The post Crown Asset Management appeared first on Agruss Law Firm, LLC.

#Debt collection law #consumer law #debt relief agency

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spookyenemyperson-blog · 6 years

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I'm doing a speech about why I think health care should be free, so I'm wondering whats the range of cost on health insurance?""

What happens if I want Homeowners and Car insurance with the same company?

Say my car insurance is with Company C and expires October 31 and my homeowners insurance is with Company H and expires January 31. I saw somewhere that if I have both insurances with the same Company then I save money. How do I line up the two insurance renewal dates so that I do not waste the money I paid for homeowners insurance between October 31 and January 31?

Motorbike Insurance/Tax/SORN/MOT need help!?

Hi, I recently bought my first motorbike a few month in advance of my 17th birthday, with the intention to ride it once im 17. When i got the bike, it had no MOT or road tax and it was registered as SORN (meaning it was registered as being off the road). So i filled in the registration document, rang up the DVLA and re-registered the vehicle as SORN again. The thing i would like to know is, when it comes to the time of my 17th birthday, in what order do i get each of the things, for example, would i get the MOT before the roadtax and if so how would i get my bike to the MOT centre without having roadtax, and would i still be able to get insured on an untaxed bike with no MOT? So basicly, what order do i get the insurance, MOT and roadtax in? Sorry i hope this made sense i have tried to describe it in the best way possible, thanks for any help.""

Who can get your insurance. how much does it cost.?

what is the age limit that can get your insurance. are there any limitations to getting this insurance.

How much will my insurance payment increase because of my speeding ticket?

To begin with, I was going 111mph in a 60mph zone. It was dumb and stupid, I know. Normally I would pay just $125 every 6 months for car insurance but now I'm wondering how much it will increase. And by paying I mean I would give the money to my dad because the car is under his name. I use the car everyday to go to work but it's under my father's name. I am not registered in any insurance of any car my dad owns. I am only 17 by the way and i ll turn 18 in a month. The ticket is considered an infraction and will cost $603. I will send them a check so I won't have to go to court. Any idea of to what may happen next, like my insurance rate?""

How does car insurance work?

I'm a 17 year old girl and I recently got my license. Yesterday my dad bought car insurance for me, but I don't have a car. So i'm assuming that this insurance is for his car, but can that same insurance be transferred if I get my own car? Or did my dad just put my name on his insurance? I don't really understand.""

Is there anyone out there who knows which cars have lower insurance rates?

Insurance Question/Quote?

My name is Jake and my grandpa wants to sell me is 2004 V6 nissan 350z for like next to nothing but i am curious as to how much my insurance payment would be?

How much money i need to start up car insurance business?

ok im licensed, i have office with experienced sales people , company name gaico , how much cash on hand i need to cover losses (lets say i signed 100 customers allready to gaico)""

What insurance i need for boutique?

insurance for boutique

How much would insurance for a Lamborghini cost?

I'm most curious about the Sesto Elemento which I believe is being ordered for $900,000. Also license plates if anyone knows how much those would cost. I'm just curious, I'm mot rich.""

Does anybody know an affordable but good health insurance?

i just recently lost my insurance and was wondering if anybody knew of a cheap affordable but good health insurance plan???? please help!!!

Will a reckless driving ticket affect an insurance premium in Georgia?

My husband recently went through a road block after leaving work (playing music in a bar.) He was honest and said he'd been drinking, even though he waited for a while and had not had that much to drink. He blew .07 over the legal limit. He went to jail for 14 hours. We paid a lot of money and got the charge dropped to reckless driving. This was six months ago and our insurance premium has only gone down (good grades and homeowner's insurance with same company.) We are afraid to ask the insurance company for fear that they might not know. 1. Will that info get sent to them automatically? 2. Is there danger that our bill will go up if we speak to them about it? 3. What percentage might the bill go up once they do find out? We are looking to buy a new car soon, so we can't avoid speaking to the insurance company about it forever!""

Need a MRI and obgyn but don't have insurance?

I have had abnormal vaginal bleeding for a month and I found out the other day I have a tumor on my uterus and need a MRI and see a OBGYN but I don't have insurance. Would they just bill me? I'm low income and on work comp right now so it's even lower. I am applying for cmsp that's california state assistance but I won't have it by then

Got into a car accident with rental and declined the insurance?

hi all i was hoping you could get some facts/and or legal advice. Ok so i have been renting this car for about 6 month now because i cant afford a down payment for my own. I had my own car insurance which covered the rental. However(bad luck struck) i got into a car accident 2 days after my car insurance lapsed i have since renewed my policy right away with another insurance company that gave me better rates. The fault of the accident has not yet been determined. I believe it was the other persons fault. however i am worried what will happen if it is deemed to be my fault. i was not covered at the time of the accident, i did not obviously have coverage through the rental company. i want to make something clear that i am a person of good faith and if it were to be deemed as my fault i have no problem paying the other persons deductable. but i am worried about someone going after me for thousands and thousands or jail time or loosing my licence. so my questions are do rental car companies carry default uninsured motorist coverage(even if i opp out of purchasing theres?) if it is my fault do i get to pay the other persons deductable(and damage to rental) and walk away? will her insurance sue me for full cost of repairs? will her insurance go after rental company go after rental place for money? will her insurance go after my new insurance even though i was not covered by them at the time of the accident? fyi: no one was hurt, she has a minor medium size dent in door panel, i have small tear in my bumper""

WHERE I CAN FIND A CHEAP CAR INSURANCE IN LONDON?

Bill to allow insurance plans to not cover Obamacare requirements?

There is a bill going through Congress that would allow insurance companies to offer insurance plans that do not meet the standards of Obamacare. It has even gained some Democratic ...show more

Looking for Health Insurance that allows 5 year old as primary member?

We live in Texas, I'm looking for health insurance for our 5 year old daughter. My husband has coverage through his employer and I have the option of being covered under his plan as well. However, our premium would increase by $400 a month if we add her to that plan. I am looking for an inidividual plan that will allow only her to be covered. So far I've found that the primary member must be over 18. Anyone know of a company that offers this? We can't afford the extra $400 but we wouldn't qualify for any government assistance program. She has no illness and she had tubes put in her ears a few years back, that about covers her medical history. Thanks in advance for any info!""

Where can I get affordable temporary health insurance?

Cost of health insurance?

How much does health insurance cost per year if I pay for myself instead of my employer paying for it? I would pay through my employer's group insurance and mine is a family of three (including a child of 4 yrs). I am a contractor and I will be moving through the country quite a bit in which case would the insurance rates be from the state from where the employer is from or should it be as per the state where i am residing? How does insurance cost vary from state to state?

What is the best insurance policy for my llc business?

Why do people buy life insurance?

What groups of people buy life insurance? Why do they buy it?

How much people can be on someone's auto insurance?

is there a limit to how many people/vehicles can be insured under one person's name? lets say, can a person insure his car and himself, as well as his 2 sons cars and his 2 ...show more""

Car insurance?

I purchased a car worthy 2000 and I purchased a comprehensive insurance policy. Some of my friend said that we will not claim (1) losing no claim bonus (2) the car compensation only say 500. They suggest me to increase the excess to $1020 in return for the refund of 94. Is it worthwhile?

After a DUI how much does it cost for new car insurance if you are dropped by your old insurance company?

Can anyone tell me of an affordable health insurance for self employed people?

""Do you think that the government ought to put a cap on car insurance ,and the prices they charge since its law""

car insurance is at rediculous rates. government says everyone has to have it , and insurance companies are making it almost impossible to afford. I have a wife and 2 kids we have to have 2 vehicles. but i can't afford the insurance on either one of them. now i'm breaking a law. what does anyone else think.""

How can I report my neighbors for not having car insurance?

How can I report my neighbors for not having car insurance? My neighbors were both laid off from their jobs about three months ago. Earlier last week one confided in me that they were unable to pay for their car insurance and that they didn't know what they were going to do. I didn't take action then, because they were not working and rarely took their car out. However, the husband recently found employment and he has been driving the car EVERY DAY for the past week. They are nice people and we get along great, so it pains me that I have to do this. Who can I report this to? Should I just call the police station? Is there a way for me to verify that they were unable to pay for their car insurance (they were way behind in bills, so I doubt they covered it)""

What's the average cost for adding a teen to auto insurance who've completed drivers ed?

I got my license this past Thursday, and I'm waiting on my dad to add my to his insurance (State Farm) So I can begin driving my car. It seems like he's procrastinating;UGH! Anyways, How much do you think it will be? & don't I get a discount if I've completed drivers ed? another question do I have to pay like this huge first time fee? or do I just pay like what i'll be paying monthly?""

""Now that my license has no points on it, can the car insurance cost be reduced?""

I am with Tesco Insurance, my license did have points on it when I got my car insured but no that I have lost the points, do I have to wait out the 12month contract or is there the possibility that it can be reduced? I am guessing I have to wait it out. Something like that must have been mentioned in the T&A.""

Adding a teen to the insurance with past accidents?

I take my license test exactly one week from today. I have all the insurance papers that I needed from my driving school. do I wait until I get my license to get on the insurance or can I do it now so that I'll be on there for next week? also, when I had my permit, I had two minor parking lot accidents that my dad had to take the blame for. Now that I will be on the insurance can I tell them it was me so that I will pay for the increase directly to the insurance company or should I just pay him the difference of what it is now and what it used to be each month? because I know his driving record will follow him for life. thanks in advance!""

Are there any classic car insurance companies that insure young drivers under 21?

How much will my insurance go up after a minor accident and a aspeeding ticket?

I live in California and in the past 4 months I got in a Fender bender(10MHP and the Guy is claiming bodily injuruy awell.) and In November I got a speeding ticket. But I am unable to attend traffic school cause I fought the ticket. I'm 19 My moms the main insurer on the car and its a sports car. Any idea how much will my insurance will go up? Any Ideas? I might have to sell my car if its too much. I have insurance through Geico.

Florida motorcycle insurance?

So I have a small 49 cc scooter that is street legal and I drive through the roads like everyone else. In Florida it's not necessary to have insurance on this small of an engine bike, so I don't. My question is, in the case of an accident that's NOT MY fault such as a car rear ends me at a traffic light or any other incident, can I still claim anything? Will the other persons insurance still fix or replace my bike? Will the other persons insurance cover me in any needed doctor visits?""

How much extra would it cost to add a 17yr old to insurance? helppp!?

i was wondering how much it would cost if i was added to my dads insurance as the 3rd driver, he pays arounds 400 for the insurance but i was wondering how much it would cost if a 17 year old who just passed his license would add to it. im sure it wouldnt be much as i will be the 3rd driver but im not exactly sure.""

I have a question about a my car insurance PLEASE HELP ME?

Okay I was in a car accident on May 7th. I was going north towards main street. there was a vehicle in front of me. The vehicle in front of me merge to left as if he was waiting for someone to come outside. He didn't have no signal light or hazards lights on. So I merge to the right pass him so the guy must didn't see me so he hit my right front end bumper, headlight, and door. So I didn't have my insurance in the car so I got a ticket and the other guy had a ticket because he didn't have insurance. On the police report it said he had a left sgnal light to turn in is driveway. Just to remind you that the vehicle doesn't belong to the driver and he had a NY license. My insurance liability told that he couldn't contact the other guy to see if he had insurance and send him letters. So he told he's going to put it's not at fault but I have to pay for a $500 deductible. But WHY?????? if he didn't look at the cars but he's going to basis on paper work. Is that wrong? or should I look into some more??????? HELP ME""

My girlfriend battles with sever depression. anyone know of free health insurance?

long history together. she has admitted to feeling very depressed and loosing the drive to do things she typically loves to do... however, she has no health insurance and she doesn't know who to turn to. any solutions? Southern California residents. in orange county/la area.""

How do you get insurance and registration over the phone?

I'm not sure how this works? Can someone let me know. I'm insuring my motorcycle but the insurance I want is cheapest if I do it over the phone.

Temporary car insurance?

Car insurance for travelers

Insurance cost on 73 Camaro for 17 year old male?

So im looking into buying a 73 camaro from this guy i know and i was just wondering what the typical price for that type of car would be... and yes im 17

What is the average insurance price for the new 2010 Chevy Camaro's? CURRENT 2010 CAMARO OWNERS ONLY PLEASE!?

I'm interested in purchasing a Chevy Camaro(2LT or 2SS), and I wanted to see how much current owners pay for their insurance. I'm 22 years old and I've got a clean driving record as well. Please let me know what you know! I don't feel like being spammed by insurance companies. I've gotten the free quote before and I still get emails from Geico! Thanks!""

How much for car insurance i need the cheapest price?

i need the insurance the requier for the law

Any car insurance which insurances foreign cars?

Hi! I live in Italy and I am italian. I heard that there are some english insurance which insurance cars and people in foreign country. Is it real? do you know anything about that? Could you give me some advice about that? I am waiting your answers! Bye!

Will my premiums go up on car insurance if I'm not At Fault?

I live in the state of Michigan. Someone rear ended me at a stoplight. My tail light is broken and my bumper is sagging along with other minor scratches etc. I have 2 main questions ...show more

""Question for the car dealer...getting used cars for resale rock bottom..Manheim, Insurance Auto or co-part?""

ok.. I want to try my hand ( and if it works .. I will apply to be a dealer or some sorts myself ) at getting cars low price and selling them quick of like 10-20% profit. I 'd like to know what's the best place to buy cars CHEAP ( even if they are sightly damaged ) .....and resell them....Manheim ( I know thats a dealer-to-dealer auction . So I'd expect stuff to be very well marked on the price tag)... copart or Insurance Auto ( iaai as its called ) which one sells cars that are otherwise roadworthy , but very well discounted ( though some might need a cosmetic facelift )""

""My 21 year old son needs to see a dr.but no insurance, what can he do?""

he has a knot in his left breast and will need to be removed, but he has absolutly no insurance!""

What is the best insurance policy for my llc business?

Ripped off car insurance?

my daughter was a named driver on my policy she hit someones car and made 400worth of damage the owner of the other car had already got scatches etc on there car my insurance company was told of this i have just found out that 800+ has been made against me it looks like i have been ripped off surely this is fraud the 400 was a quote from a garage

Must all drivers in New York have insurance?

if so then what would be the penalty for not having insurance? & is there a minimum amount of insurance that must be carried?

Cheapest car insurance in Massachusetts for a new driver?

I'm buying a car soon and will need insurance too.

Rough estimate of my insurance?

im a 17 year old hispanic male I live in Mesa AZ and I have finished a drivers ed class in my school and passed with a B, I just got my license yesterday and my car is a 1983 Ford ranger two door, manual transmission how much would my insurance be (a estimate) if you need more details please ask and i will provide it.""

Student: Buy car with years free insurance?

I'm looking to buy a new car, and I have heard that you can get special deals where you get a years free insurance. I'm 18 and have one years ncb. Does anyone now of a deal like this currently on offer? Cheers :D""

Is moped insurance cheaper than car insurance?

i need an easier way to get around town but until i can afford a car i was thinking if i learned to ride a scooter instead it might make things more simple but are they cheaper to run than cars

Cheap car insurance in england for 17 year olds ?

who is the best company to go by for cheap car insurance for young drivers ? i heard quinn was the best, but theyve recently gone bust so there no longer insuring. So i need a different company that wont extort me ! lol...so yeah, any websites, or company names or anything will be very helpful !.....thanks !""

Can a new driver who is 19 years old get car insurance on a Mercedes Benz?

I have looked on a couple of comparison sites and they don't offer car insurance for a Mercedes Benz for a 19 year old new driver. Could you give me an insurance quote? Much appreciation.

How much insurance cost for an infinti g35 coupe?

i am 19 years old about to turn 20 in a couple of months and have state farm insurance. i am tryin to get a infinti g35 coupe. 2006 black infinti 2 door thanks.

What is cheapest car insurance i am 18 years old with a crash?

i need the cheapest car insurance in florida can some one refer me to a company

Adding a new driver to insurance.?

In Ontario, if a new driver was added to insurance on a 03 dodge caravan how much would it be about?""

May have a preexisting condition and i need affordable insurance?

i may have a preexisting condition i will find out monday ,anyway we are on a month to month with a high cobra premium and it is kicking our butts my husband's job closed after 20 yrs we both are not working and if i have a condition how do we pay for it, how can i get i get affordable health with no job .help somebody i feel for people i feel for everyone who needs health care and can't get it what a shame i pray that i am well and the doctor has good news for me so everyone please pray for a good outcome when prayers go up blessings come down and i need your prayers i love my yahoo family some people are rude but for the most part real decent people live here Sorry for my jumby words""

Isn't it really the Insurance companies that hate the Affordable care act?

Help with insurance for 17 year old first fresh driver?

my quote was 4,200 :( that's too much it more then a car LOL but like i heard something about this policy between two drivers can anyone explain how it works and if i crash on this policy will the other drivers no claim bonus be effected?""

Insurance and having a baby?

If you already had a huge medical expense on your insurance recently, is it going to be a problem with insurance covering the medical expenses for having a baby? I am not too familiar with insurance stuff, but I was just wondering.""

How much do you pay in insurance for your Honda Civic?

I'm trying to figure out the price difference between the coupe and sedan. So, let me know the year of the car, whether it's a coupe or not, and your age. Thanks!""

Getting my insurance under my mom policy?

Okay, I currently have insurance at state farm under my name and I pay 200/month full converage the thing is soon im getting me a wrx sti and if i stay under the same converage it's going to be 300/month now My question is, Can I cancel my coverage get my mom to come in and get a policy then she add me to her policy and since I don't live with her she could put herself as the primary driver even though she has a car already? Would it be cheaper?""

Where do I find florida health insurance ?

I am looking for a health insurance quote for florida health insurance. I am looking for cheap florida health insurance.

How much will it cost to fix this bumper dent?

http://oi43.tinypic.com/lv393.jpg hit a parked car when pulling out of a spot :( the other car was fine lol, but this is mine. trying to not involve insurance cause i dont want my rates going up. how much do you think this will cost to fix?""

Is auto insurance cheaper if I live with my parents or on my own?

Whats the cheapest car insurrance?

I am an 18 year old single male. I have one claim that is my fault. This brought my insurance up about $100. I have statefarm, but everyone suggest I look around for some place cheaper. I don't have full coverage, just liability. Any suggestions? I have a four door 1996 Volvo 850. Anything will help. Thanks.""

Car crash insurance? Insurance?!?

Ok, I crashed my toyota corolla 1997 from the back, the guy didn't have insurance, a license, or papers!, the guy who crashed me had a ford escape or explore. anyways I made a claim thru my insurance (Mercury Insurance), they approved the claim and are offering me the money for my car ($3,000) but a $500 deductible, do I get to keep my crashed car or will I have to give my car to Mercury Insurance?! Thanks!""

What cars are listed as sports cars for insurance?

I want a car but it cant be listed as a sports car. And all the cars i like either are or idk. so what cars are sports cars?

Will Florida drivers have to have car insurance?

do you need to have PIP insurance after october 1, 2007?""

1998 Firebird insurance?

I'm 16, got my license last week, and my dads buying my first car for me. Yeah call me spoiled but that's how he did it with my brother so he said he has to be fair. Anyways, I want a 98 Firebird. V6 3.8L auto trans. I was looking at 01-03 Ford Rangers but were too pricey. Budget is $5k. Found a 98 Firebird for $3k. Is the insurance any worse on a 98 firebird than an 02 ranger? Thanks""

What is the best insurance policy for my llc business?

Which auto brand is the cheapest for insurance in Ontario?

I heard that, for auto insurance, Van is cheaper than sedan, Is it true? Could you please tell me which auto brand is the cheapest for auto insurance (e.g. Ford, Nissan, Hyundai)? Thank you in advanced.""

How much on average is just standard car insurance monthly?

Cost of insurance for a Motorcycle?

I'm in Montreal Quebec. I'm 18 and wondering how much the insurance will be? I heard since I'm under 25 they will make me pay $5000 a year for insurance. Is this true? If not what is your estimate?

Is it cheaper to get insured on your parents insurance?

No proof of insurance question?

So i made a mistake. I was stopped last night and cited by a law enforcement officer for no proof of insurance. I had an idea that my insurance was no longer valid due to it overdrafting from my account when i had no money. so i contacted the insurance company and now they will NOT re-instate the insurance policy due to the fact that i have had two bad overdrafts with them. I completly understand, and like i told the officer, this is my fault...i was poor..... anyways. Now i hear that the fine is 400.00 to start, i am willing to pay as i did not take the time to ensure insurance was active on the vehicle and that the overdraft was taken care of. However now i am hearing im going to loose my license...... So i was told by the driver license department that if i go out now and get an SR22 qualifying insurance plan with a different company, that when i walk into the justice court payment window, they will not take away my license from me? however justice court states that my license will get taken away and i have to bring the proof of insurance to the DMV............and get my license back. Please note i have a california license in the state of utah..... please help? what can i do to fix this? i will pay the fine, as i did the crime wether i was for-sure or not....but i need my license, i just moved and am living in a place wityh no friends, and a new job... PS sorry for mispelling and typing this is on blackberry.""

Advice on cheap car insurance ? UK?

hello i am a 17 year old who is currently learning to drive and hoping to buy a car afterwards, however insurance is very expensive and am seeking advice on how to get cheap car insurance, E.G. what car to buy, where to look etc.""

Homeowners insurance in NE ALABAMA?

single f close tofire dpmamily prime residence completly redone frame single story built in mid 50 close to fire dpm town valley head zip 35989 market value 100k dont want replacement value 5k deductble need most reasonable quote

300zx insurance quote?

I am currently 18 years old and i am trying to buy a manual nissan 300zx. I am currently accident free and I wanted to know the approximate cost for insurance?

Insurance for learner drivers?

I am going to put on the insurance of my Granny's brand new Kia Picanto next month to practise driving as well as having lessons. My grandparents, parents & me are going to be insured and I just wanted to know what the cheapest insurance company for learner driver's were. I have already used comparethemarket.com but some were very expensive. Are there any cheap insurance companies for learner drivers? I am aged 17""

""Health insurance question, very simple?""

Ok, this may sound stupid, but, for health insurance; we pay both the premium and the deductible, right? Or is it either or? Do we pay the premium every month and the deductible only once a year? Thanks a lot""

Is it the car or the person must have insurance?

I was layed off my job and could not pay my auto insurance i did not drive however my girlfriend whom we live together has insurance that covers her on any vehical she drives the car. on thanksgiving 2 wks after my ins expired my girl was visiting family the car was parked and un occupied a lady backed into it she said her deductable was 1000 so get a est and she will pay we made police report the est was 1500 she said she cant afford and contacted her ins. they called me and are acting as if because i was not insured they dont have to pay for repair and the are not retuning my calls she admited to the police she did it

What insurance company in bc offer out of province insurance?

Just asking for cheap insurance!

Universal Health Care- Insurance Companies?

Will private insurance still be available if the US becomes a single payer health care? If not, what will happen to all the insurance companies, will everyone be laid off?!?""

What does claim closed mean with respect to car insurance?

Recently I had a altercation with another vehicle and I promptly phoned my car insurance adjuster. The necessary info was taken and the agent said that everything would be handled by them from that point onward. I just received info (online) stating only that the claim was now closed. What exactly does this mean? claim closed ?

""Im 17, and looking for cheap car insurance in the uk, and cant find anything under 3000, can anybody help?""

i've used all the comparison websites, and the 3000 is on a 1 litre car with insurance group 1. i have tried www.insurethebox.com (limited miles) and www.i-kube.com (no driving between 11 pm and 5am) and neither have been able to help. is there a car you know of with lower insurance than this, or any particular insurance groups that will cover young drivers for fairly low prices. i've looked through most of the options Google found and none of them are any use. HELP.""

Can I lose my job for not having insurance?

I have heard so many different things. But I called my job today and I found out that they are offering insurance but it is to high to buy for me because it would cost $30 per week. ...show more

First car insurance?

what would the insurance be on a 03 mercedes e500 for a 15 year old boy? and what about an 07 hyundai tiburon? which one is going to be cheaper?

Who offers the best and most affordable medical insurance?

i am a 19 year old female from southern california. I work full time and not currently going to school. my job does not offer medical benefits i would like coverage asap. please help me out!

How could car insurance cost more a month than the value of the car?

Yes I'm under 21, No I don't have a single ticket , or driving violation . How could insurance on a 500 dollar cherokee cost 290$ a month? In two months thats the value of the car! Its BS there has to be a way to get insurance for cheaper than that. Anybody know of any place? And please don't say Classic insurance as all of them you have to be 25 or older.""

Any recommendations for affordable health insurance in Georgia?

I'm 22 years old, no children, and have one full time job. I need to get some blood tests like cholesterol, blood pressure, ectera done.""

""What could be small, lasts forever, has expensive insurance, and there are 12 or 13 to choose from?""

What could be small, lasts forever, has expensive insurance, and there are 12 or 13 to choose from?""

I want to save money and am looking for cheapest car insurance in uk?

can any one tell me where to get an insurance say third party only or fire and theft at the most for less than 500 pounds a year online

""I just received a position where I am given Benefits for the first time, I have questions about Insurance?""

Does what I pay for insurance come out monthly? or every check? what is coinsurance? How do deductibles work? Stupid questions I am sure, but I have never had the option to pick insurance, and I haven't been covered by my parents insurance for at least 7 years. I didn't go to the doctor much when i was covered, so I never learned what my parents had to do.""

How much money insurance can offer my car severely damage in accident 1999 Mitsubishi diamante 132000 mileage?

some one hit in front while i was waiting to traffic pass , i have aaa and they have state farm insurance.""

Good Student Discount Auto Insurance?

I have a 3.6 GPA. My grade is A average, but one of my quarter grade was a C, but the final semester came out as a B. Well, anyways, do we just send them the report card that we got or do we have to get the sealed one from school? Thanks! Thanks again!""

What is the best insurance policy for my llc business?

https://www.linkedin.com/pulse/how-much-would-i-save-insurance-taking-motorcycle-safety-baker"

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