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morrisbrokaw · 5 years ago

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Coronavirus Job Retention Scheme -BFA Guidance for Employers

Dear Members,

BFA is pleased to share with you our understanding of, and some FAQ’s about, the Government ‘Coronavirus Job Retention scheme’ which was launched on 20th March.

(In case you can’t access the link, I’ve copied and pasted the whole document below, I hope it helps. Cheryl)

The scheme itself means that:

All employers can contact HMRC for a grant to cover 80% of a furloughed (i.e. laid off) employee’s wages, up to a maximum of £2,500 per month;

Employers must designate the employee to be furloughed. These people are not allowed to carry out any further work for the employer, but they remain employed.

The scheme is currently intended to last for 3 months, backdated to 1st March 2020.

The grant is available to all businesses, no matter what the size.

Indications are that you will not receive this grant income until at least late April. However, if your situation is desperate and your business cannot not wait, Government advice is for you to call HMRC who will look at providing funds to you sooner. (recent indications are that HMRC is over-whelmed so patience will be required).

Please confidentially let me know your situation as soon as you can, so that I can chase my Government contacts to try to get you help sooner. In addition, I recommend that you track down your local MP and share your situation with them; the cabinet is very worried about small businesses not coping and is listening to local MP’s situation updates.

This document has been prepared in partnership with our Employment Solicitor, Ben Stanton of Franklins Solicitors. It is updated with all new guidance from government, from ACAS and from other sources.

We are endeavouring to anticipate all your questions but please do let us know if you need the answer to a scenario which isn’t covered here

Stay Safe & Smiling

Lucy

Lucy Reece-Raybould, BFA CEO

Coronavirus Job Retention Scheme –BFA Guidance for Employers

BFA is pleased to share with you our understanding of, and some FAQ’s about, the Government ‘Coronavirus Job Retention scheme’ which was launched on 20th March

PLEASE NOTE: NEW OR CHANGED COMMENTS ARE SHOWN WITH QUESTIONS IN BOLD AND ANSWERS IN RED.

Frequently Asked Questions

1. Is my business eligible to claim the 80% up to £2500 per month for my staff? Yes – You will apply for a grant from HMRC. A portal is currently being set up by HMRC and further details will be provided. Please note that the minimum period of furlough leave is 3 weeks. If you bring your employee off furlough leave and back into the business within the 3 week period, you will not be eligible to receive the grant from HMRC.

2. Will the payment be taxable? Yes, payments will still be subject to PAYE and National Insurance contributions. The Job Retention Grant will cover the employer’s National Insurance Contributions and the Employer’s auto-enrolment pension contributions at the same percentage rate in respect of the 80% payment.

3. I have already laid people off am I still be covered under the scheme?

You can backdate any payments to staff laid off/furloughed from 1st March 2020. However, the employee must genuinely have stopped working from that date – if the employee was still working for you, this would not count as furlough leave.

If you have already made an employee redundant, you can also re-engage them and place them on furlough leave – the purpose of the scheme is to reduce redundancies in any way possible.

The guidance does confirm that the scheme will cover employees who are made redundant but then reengaged by the Employer, i.e. if their dismissal is overturned. Whilst it does not explicitly say so, the implication is that this will not cover the notice periods of any staff members who have been made redundant and who are being paid their notice pay – the Employer will have to bear the cost of this themselves.

4. Does my business have to pay the “shortfall” between the 80% and the 100% that a person usually earns? Can I furlough my employees on 80% so that I have no liability? The Government’s guidance on this states that it is up to the employer whether or not to pay the remaining 20% (or excess above £2,500.00) per month). However, this is not the correct legal position; when an employer sends their employees home without work, they are still obliged to pay them 100% of their wages (unless there is already something in the contract of employment to the contrary, as in the case of the NCA). Withholding 20% of an employee’s salary will amount to breach of contract and an unlawful deduction of wages unless the employee gives their consent to doing this.

The entire point of the scheme is to encourage employers not to dismiss employees and furlough them instead. Employers are unlikely to do this if they have to pay the employee 100% to stay at home; they would generally rather have them performing work for them. As such the intention behind the scheme is that it is reasonable to only pay employees this reduced wage whilst on furlough leave.

It is advisable to seek the employee’s consent to accepting 80% (maximum £2,500.00) of their wages each month, as this represents a temporary variation to their contract of employment. It is expected that the majority of employees will consent since furlough leave is a better alternative than unpaid leave, lay-off, or redundancy.

To seek an employee’s consent to being placed on furlough leave, employers will need to:

a. Decide which employees to designate as furloughed employees. b. Notify those employees of the intended temporary change. c. Consider whether you need to consult with employee representatives or the union. For example, where the employer intends to vary the contracts of 20 or more employees, and it intends to dismiss employees who do not consent to the change in their terms, this would be classed as a redundancy. It is unclear, however, at this stage, whether the government expects employers to follow this process before placing employees on furlough leave. BFA Solicitors view is that you will not be intending to make employees redundant (as you will expect them to agree to the furlough leave), so that the consultation process will not apply. d. Agree the change with the furloughed employees. e. Confirm the employees’ new furlough status in writing. Ideally, the employer should advise how long it expects furlough leave to continue, however, this may be difficult in the current climate. You may wish to put employees on furlough leave for an initial period, subject to review. f. Submit information to HMRC about the employees that have been furloughed and their earnings through the new online portal (further details to come). g. Ensure that the employees do not carry out any further work while they are furloughed. As above, if you do not have a contractual right to lay off the employees or to make changes to an employment contract, you should not unilaterally change an employee’s contract or pay without their consent. However, faced with the other alternatives, which are likely to be unpaid leave or redundancy, the majority of affected employees are likely to agree to be placed on furlough leave. However, if the employees refuse, your next step would be to:

a. Consider placing them on furlough leave anyway. Technically, the employees could resign and claim a breach of contract (a claim that would be unlikely to succeed if you carried out this process reasonably and appropriately, if there is a good business reason for placing employees on furlough leave), or could seek to bring a claim in the future for the difference in salary that they will be receiving.

b. Shortening working hours or reducing salaries, to which you would again be advised to seek the employees’ agreement; or c. Make redundancies.

5. Is there a difference between weekly and monthly paid staff? No.

6. Some of the staff have contracts which include lay-off clauses but my management, office and field sales staff do not have this clause in their contracts. Can I still furlough them and how much do I have to pay them?

You can furlough all employees, regardless as to whether you have an existing contractual right to do so.

The difference here is that you already have a contractual right to lay off some workers, meaning you do not have to seek a variation to their contract of employment as outlined above. 7. Will part time workers have the £2,500 cap reduced? The payment is at 80% of their wages, up to a maximum of £2,500.00 per month. This applies to all employees equally, regardless of the number of hours they work.

8. I am part of the NCA, my factory staff are covered by a wage guarantee of 75%. Do I have to pay 75% or 80% to my staff?

If you have a contractual right to pay 75% of wages, you are only required to pay 75% of their wages. This new scheme does not place any additional obligations upon you, it merely offers employers another option if they are thinking about making employees redundant. This equally applies if you have already agreed with your employees to send them home on some other reduced wage; you have already entered into a contract with them so you do not need to alter your agreement to match the Government’s new scheme.

9. Section 6 of the NCA states we can send employees home without pay. Why do we have to pay in line with the guaranteed 75%? Does this not say we can actually send home and not pay?

NCA 6.1.8 No employees are liable to be paid for periods for which they are sent home The BFA Solicitors view of this is that if you are choosing to lay off your employees, you pay them 75%. If you sent the employee homes for any other reason, you are not obliged to pay them anything.

10. Who can be furloughed? Do I have a free choice who I can select for furlough or is there a strict criteria? There is no set criteria. As with any aspect of work, you should not select staff on any discriminatory criteria (i.e. their age, sex, race, disability) but based on your business need.

11. Can I change who is furloughed from week to week or month to month? Recalling them as it suits the business or the reverse laying them off again. The example here is that you might keep some office staff in but if one of them gets Covid-19 then you need someone to come back in to replace them.

Whilst further details of the scheme were announced on 26th March 2020, there is still no specific guidance on this. In the absence of any specific mention of this, my view is that the furlough period can be reactivated, i.e. to allow you to rotate your employees to carry out work depending upon the demands of the business, putting them on furlough now, bring them back in to the business, but then furlough again. Our solicitor suggests that there would have to be a good business reason for this, as HMRC may question the motive behind this.

You must note that a minimum furlough leave period is 3 weeks. If you are going to place an employee on furlough leave, you must not ‘reactivate’ them for at least a 3 week period, otherwise you will not be able to receive the grant for that period of time. This would mean, for example, that an employer can select an initial group of employees for furlough, keeping a second group at work. After 3 weeks, the first group comes back to work while the second group go on furlough leave.

12. My member of staff has a second job, can we both put that person on furlough? Yes you can – this is specifically confirmed in the Guidance.

13. Can someone in the furlough scheme do work for other employers? Again, whilst the guidance is not clear on this point, my view is that they can (if you are happy for them to do so). The only important criteria is that they do not do any work for you during this time.

If you did want to allow your employee to work elsewhere during the furlough leave period, the terms of your contract of employment may already specify that they should not work for a competitor, or you could make this clear to the employee. In any event, regardless of whether there is a written term, there is an implied duty of non-competition for employees, so you could look to dismiss an employee if they began actively competing with your business.

14. Can furloughed employees do volunteer work?

Yes, this is specifically confirmed in the scheme guidance.

15. If you have no work for the employees and, regardless of the grant scheme, cannot afford to pay them the wages what should I do?

YYou could: a. Negotiate laying employees off on unpaid leave or further reduced pay; or

b. Consider making redundancies. If you cannot afford to make redundancies, you can approach the National Insolvency Service to ask for their assistance in paying redundancy payments etc. if it would otherwise mean that your business would become insolvent in paying them.

If you are planning to make 20 or more redundancies, the scheme makes it clear that your collective consultation obligations would still apply. These mean that if you are seeking to make 20 or more people redundant within a 90 day period, you must observe a consultation period of at least 30 days’ before serving notice of termination.

16. Does this apply also when an employee is partially laid off? E.g. only required to be furloughed for one day per week. No – the policy only applies to those employees who are fully furloughed, i.e. who are not working but are kept on the payroll.

The scheme also does not apply to employees who you have kept employed on reduced hours – it only applies to those employees who will be doing no work at all.

17. Do other employee benefits still accrue during the furloughed period? The £2,500.00 is the maximum monetary payment that an employee can receive. You then deduct their normal auto-enrolment pension contribution as usual.

The scheme covers your Employer’s NICs and your usual percentage of auto-enrolment pension payment as well, on top of the 80%/£2,500.00. Please note that if you pay the employees more than the minimum auto-enrolment percentage, you will not be able to claim this additional part from the scheme. Further, any pay above 80%, and the extra Employer’s NICs above 80%, will not be recoverable under the scheme.

If you already provide other benefits such as private healthcare, you would not be able to claim the cost of benefits though the grant scheme. You would have to continue to provide these benefits to employees unless you agree otherwise (and many employers may have already paid for the cost of these benefits in any event).

Employers that offer permanent health insurance or death-in-service benefits should check with their scheme provider about what salary would be used in the event of a claim, i.e. 80% or 100%.

18. Do employees accrue holiday entitlement during furlough? Yes. Your staff accrue holiday at their usual rate.

19. Can people take their holiday allowance while furloughed?

Disappointingly, the Government guidance makes no mention of whether an employee is permitted to take their holiday entitlement during furlough leave. What has subsequently been announced is emergency legislation, permitting an employee to carry over 4 weeks’ untaken leave where it was not reasonably practicable to take it in the leave year “as a result of the effects of the coronavirus (including on the worker, the employer or the wider economy or society)”. This therefore allows you to stagger an employee’s holiday entitlement over the next two years, rather than having all of your employees taking their holiday entitlement when they return to work.

Technically, taking holiday means that your employee is not working, something that they would not need to do if on furlough leave. As a result of the change to the holiday rules above, my assumption is that the Government agrees that holiday leave is incompatible with furlough leave, hence the need to allow employees to take this over the next two years. However, this is just not clear. Until any further guidance is released, you have the following choices:

In the event that you/the employee wishes to take annual leave during furlough leave (or already have annual leave booked), you proceed as normal and pay them 100% of their wages during that period, but still class them as remaining on furlough leave. I am not currently confident that HMRC would reimburse the 80% grant if it was aware that the employee had been placed on holiday leave for that period.

In the event that you/the employee wishes to take annual leave during furlough leave (or already have annual leave booked), you proceed as normal and pay them 100% of their 02 April 2020 wages during that period, but remove them from furlough leave at the same time. When the the annual leave is over, they will be placed back onto furlough leave. You must make sure that you you observe the minimum initial furlough period of 3 weeks, otherwise you will not be able to recover a grant for any of the initial furlough leave period; or Suspend all annual leave for the furlough period, using the change to the holiday rules to defer up to 4 weeks’ holiday in to the next holiday year.

20. Will employees qualify for additional state benefit support? Employees will remain entitled to the same support as they currently receive. The furlough scheme will pay the equivalent of up to £30,000.00 per year, so we do not believe that there would be additional benefits available to employees earning that amount of money (other than existing child benefits etc.) but it will depend upon the income coming in to the family house and the number of dependents.

21. Is the 80% contribution 80% of what the employer pays the employee in a given week or 80% of their usual wage. If the employee usually earns £400 in a week, and this week because we were on short time before the furlough they are only getting £350 but next week once in furlough they will get how much? Which option:

a. 100% of a usual week £400 of which the government will re-pay the employer £320 b. 80% of a usual week £320 of which the government will re-pay the employer £320 c. Based on short time week -£280 of which the government will re-pay all or only £224 to the employee

If an employee works variable hours each month, their ‘wages’ will either be based on their earnings in the same month they worked in 2019, or an average of their monthly earnings last year. If the employee joined you in 2020, you should take an average of their earnings to date.

22. What is the position if 80% of pay is less than national minimum wage based on normal working hours? Employees on furlough leave do not need to be paid national minimum wage as they are not carrying out any work.

23. Once an employee is furloughed can we ask them to do anything or do they become a worker again, for example – even if it’s just a phone call to ask where something is filed? As above, the policy only applies to those employees who are fully furloughed and not given any work. However, you will still be able to speak with/socialise (social distancing permitting) those employees, so we do not believe asking them a question would be a breach of this scheme. The purpose of the furlough scheme is to help businesses, not hinder them, so there will be a degree of leniency and common sense applied to the scheme in order to allow you to continue to run effectively.

24. When staff are called back into work are their wages immediately the responsibility of the employer? Wages are always the responsibility of the employer; the scheme allows the employer to claim back 80% (up to £2,500.00) from HMRC. The employer is therefore responsible for paying wages whilst the employee is furloughed (albeit they can claim monies back from HMRC), and then still be responsible for paying wages when the furlough leave ends (with then no ability to claim monies back under the furlough scheme).

25. Can you rotate staff? This week group A work, next week group B, then C, then A, then B and so on, and still be within the law of the Coronavirus Job Retention scheme? Are they furloughed for the week they aren’t working?

As above, our solicitor believes that the furlough period can possibly be reactivated, i.e. put them on furlough now, bring them back in to the business, but then furlough again, although he suggests that there would have to be a good business reason for this (and it must not interfere within the minimum 3 week furlough leave period for that employee).

26. If I need to keep some staff working to support staff else-where – such as those still working in stores or warehouses – can I reduce their hours, still pay them at their full-time rate and claim the 80% on the reduced part of their salary?

You can vary your employee’s hours of working – you would again ideally seek their consent to this change, as it represents a change to their contract. You can then reduce their salary.

However, this is not the furlough scheme – that requires you to send employees home without work. In this scenario, you could not claim back the 80%.

27. If someone is “feeling ill”? members should send them home, and pay them SSP or treat that person as laid off?

If someone is ill, they are sick. If they are sick, they are entitled to receive sick pay only. If you choose to send an employee home when they are not sick, you would have to pay them their normal full pay.

28. If someone is off with Covid-19 and therefore is being paid SSP, when they inform me that they have recovered do I pay them as a furloughed member of staff? If the employee is fit to work and you do not want them to work, you would to pay them their normal full pay. You could then place them on furlough leave if you wanted to try to reduce the payments due to them.

29. If someone is self-isolating due to illness or childcare issues should they be on sick-pay or if they would usually be laid-off with everyone else should they be paid as the rest of the staff.

If an employee is looking after their children, you do not have to pay them – time off for the purposes of childcare is unpaid.

If an employee is self-isolating, they are considered to be sick and would be entitled to sick pay.

If the employee is ready and able to work, you would either have to provide them with their normal pay, or you could seek to place them on furlough leave.

In terms of childcare issues only, you will need to assess each case in your business, considering the employee and whether the business can manage without their services for a period.

30. If someone is already off and is being paid SSP, for reasons other than Covid-19, and they inform me that they are better what should I pay them?

If the employee is fit to work and you do not want them to work, you would to pay them their normal full pay. You could then place them on furlough leave if you wanted to try to reduce the payments due to them.

31. If someone who has been furloughed gets Covid-19 or is suspected of it should you move them onto sick pay or keep them as if they are laid off?If you place the employee on furlough leave, you may be able to place them on to SSP if they tell you that they are now ill. However, practically speaking, the employee is not going to tell you if they are unwell anyway, so I think the chances of this applying are quite remote.

32. Can an employee insist on becoming a furloughed worker? No – an employee can request to go on furlough leave but has no right to be placed on furlough leave. Potentially redundant employees do not have a right to require their employer to place them on furlough leave as an alternative to redundancy either.

33. Can an MD/CEO/Owner lay themselves off along with their staff?

Any employee can be placed on furlough leave, as long as they are not carrying out any work. It may be the case that the CEO/MD will still be required to carry out some work, so they may not be able to satisfy this critieria.

34. Does it apply to all types of employees, regardless of length of service? Yes.

35. Can I ask an employee to still work “on the side”? No – furlough leave only applies to those employees who are not working but kept on the payroll.

36. My member of staff has a second job, can we both put that person on furlough? Yes, you can.

37. How should members treat the working rights of the individual at this time – should they write, consult and inform individuals or treat their staff collectively? As above, employers will need to: a. Decide which employees to designate as furloughed employees. b. Notify those employees of the intended temporary change. c. Consider whether you need to consult with employee representatives or the union. For example, where the employer intends to vary the contracts of 20 or more employees, and it intends to dismiss employees who do not consent to the change in their terms, this would be classed as a redundancy. It is unclear, however, at this stage, whether the government expects employers to follow this process before placing employees on furlough leave. My view is that you will not be intending to make employees redundant (as you will expect them to agree to the furlough leave), so that the consultation process will not apply.

d. Agree the change with the furloughed employees. e. Confirm the employees’ new furlough status in writing. Ideally, the employer should advise how long it expects furlough leave to continue, however, this may be difficult in the current climate. You may wish to put employees on furlough leave for an initial period, subject to review. f. Submit information to HMRC about the employees that have been furloughed and their earnings through the new online portal (further details to come). g. Ensure that the employees do not carry out any further work while they are furloughed.

38. Can a factory put everyone on furlough mid-week – i.e. weekly paid staff placed on furlough today would get 100% for yesterday and 80% from today or do they have to pay 100% this week?

Furlough leave would start from whenever the employee was sent home without work. Any days spent working by the employee would not be considered to be furlough leave. You would pay the employee 100% of their wage in respect of the work they have carried out this week, and 80% of their wage from the date on which they were sent home without work.

39. If someone is furloughed, what happens if they go on maternity, paternity, adoption or bereavement leave?

If you pay your employees more than the statutory minimum entitlements, the guidance says that employers can claim for enhanced maternity pay through the furlough scheme. This therefore suggests that employees can furlough employees on maternity leave.

Employers can reclaim Statutory Maternity Pay in the normal way and can then claim for any enhanced contractual pay on top through the furlough scheme.

If an employee takes any period of statutory leave such as maternity or paternity leave, the terms of that leave would override furlough leave. As such, an employee can still be on furlough leave but you would only pay the employee their statutory minimum entitlements. I cannot imagine the incentive for an employee to place himself on paternity leave if he stands to receive less than if he was on furlough leave, but this could happen and the employer would only have to pay the statutory minimum entitlement.

40. Online operations remain a slightly grey area. It is clear that physical stores that aren’t considered ‘essential’ should shut, but not so clear about online distribution centres. Can we still run operations to allow our digital businesses to continue trading?

Online retail is still permitted to operate as normal in the current climate. Parts of those physical shops which are open to the public should close. Further guidance is here: https://ift.tt/3bkbkA3

41. Can employees on furlough leave undertake training?

Yes. If the employer requires the employee to complete training during furlough leave then, whilst this will not bring their furlough leave to an end, the employer must make sure that the employee is paid at least the national minimum wage in respect of time spent on the training (if their monthly pay would otherwise be less than National Minimum Wage). This should be agreed with the employee and reflected in the correspondence confirming furlough leave.

42. What happens at the end of the furlough leave period? The intention is that employees return to work after their furlough leave. However, if there is no longer a need for these employees, you will have to consider making redundancies.

What is interesting is that other European countries that have similar schemes in place are imposing restrictions on employers making redundancies, whereas there are no such conditions under the UK scheme.

43. Can I make redundancies whilst an employee is on furlough leave?

Yes. The same rules would apply, in that you would need to follow a reasonable procedure and justify why you were selecting specific employees for redundancy, but nothing prevents you from still dismissing employees (if you have a fair reason and follow a reasonable procedure) whilst they are on furlough leave.

44. How can I follow a redundancy procedure if my employees are on furlough leave? It may be helpful to consider furlough leave to be the same as, say maternity leave; you would still be able to speak with an employee about circumstances affecting them at work, albeit you would have to arrange suitable times on reasonable notice to have these conversations.

There is nothing within furlough leave which prevents you from speaking with your employees, only that they should not be carrying out work for you. If you do need to make redundancies, you should follow a usual and fair procedure. This can involve engaging employees in videoconferencing, although I would advise against speaking to many people all at once; limit these conversations to a manageable number of people.

If you are planning to make 20 or more employees redundant within a 90 day period, you must give at least 30 days’ notice before issuing notice of termination. You would need to elect a few workplace representatives (if you do not have one already) and all of the discussions can go through those people. You could arrange a video conferencing call with all representatives at the same time, as it is important that you engage in genuine and meaningful consultation prior to issuing notice of termination.

PLEASE NOTE: The above information has been provided in consultation with Ben Stanton, Franklins Solicitors representing the BFA. They are intended as a guide to BFA members only. You do not have permission to share this document with anyone without the express permission of a Director of the British Footwear Association.

Coronavirus Job Retention Scheme -BFA Guidance for Employers published first on https://workbootsandshoes.tumblr.com/

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yourrainycollectorhologram-blog · 7 years ago

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Whilst learning to drive I took out learners insurance on my own car which meant I could drive around with someone who was over 21 and had been driving for atleast three years.. During the period of learning I had crash which I was liable for. I am 20 years old and will trun 21 in January. I have now passed my test and am looking to insure my car, can anyone recommend a good cheap insurance company? Thanks""

""If I reported someone for a hit-and-run, can my insurance company raise my rates?""

My Dad takes care of our family car insurance policy with Mercury. Recently, they have asked about an incident which matches the date of a hit-and-run which I reported to police. Someone backed up into my car while I was not-in-motion, waiting to turn left at a four way intersection. They refused to pull over or get out of their car, and sped off soon after, so I reported it to the police. Now, Mercury wants to talk to me about it. The problem is that my Dad is convinced they will use this against me to get more money from us, because I was the only party who reported the incident. I did not file a claim with my insurance company because the only damage was minimal. How should I best handle this? It seems absurd that doing the right thing-- reporting an irresponsible driver-- could result in a penalty for me, doesn't it?""

Does insurance cost more on old cars?

I'm thinking of buying a 1984 Volkswagon Vanagon. The car is said to be in good condition, but I'm wondering if it costs more to insure an older car because of the repairs and things it might need. If it does cost more, how much? Thanks.""

Is affordable health insurance a hand out?

I mean the way the right talks about Obamas plans you would think he is going to let the poor kick the rich out of their homes. If you work hard you should be able to have the basics in life. The rich whine that the irresponsible lazy working class is picking their pockets. I say screw the rich, nobody work for them and let them get off THEIR lazy, pampered asses. Buy from local merchants and craftsmen, close Walmart. So do you really think the working class wants hand outs and do you feel those incapable of working should starve?""

Does medical insurance cover circumcision surgery 18 years and over? whats the average cost?

location Corona, Ca. A Friend needs a partial circumcision. as an infant doctor did not do a complete job and partially left bottom portion. Low on cash and on medical insurance.""

Car Insurance?

I know people will tell me to ring myu insurance company but i dont have my policy number with me or their number im at work today...... How much difference cost wise do you think it would be to change my policy so i can drive any car. I need to be able to drive my boyfriend, my dads and his dads cars? In the UK by the way""

""I am 21, and have been driving since I was 16. How much will my insurance be?

My parents always paid for my insurance (dont hate) and now I want to use the car for a courier service. How much do you think my insurance will cost me?

Best place for cheap car insurance?

I can only think of MoneySupermarket.co.uk, which other companies do searches for the cheapest car?! Best quote ive had is 506 for a 1st car, 3years with licence, 22year old female, Ford Fiesta 2001, Fully Comphensive.... ... Wondering if I can find something better?! Or is that the best around? Cheers x""

How to check a car has insurance or not?

All the information I know: car plate number, vehicle identification number and a expired Progressive insurance policy number. Can I still check my car current insurance online?""

How much will my insurance go up with 4 speeding tickets in 1 and 1/2 years?

I just received my fourth and fifth speeding tickets in the past year and a half. Yes, I know that is completely ridiculous. I am still covered with my parents auto insurance and while my license is not suspended, my parents will not allow me to drive anymore if they find out about them. I attended traffic school for 1/5 citations, so it should not show up to my insurance company. Does anybody happen to know how much my insurance rates will increase with these last two tickets, or if they will even still cover me? Thanks!""

""I can't pay car insurance, but I can't stop driving?""

Ok, I work a minimum wage job that took me months to find. Progressive, which has been a good insurance agency, charges me about $120 a month to insure an old rustbucket 1977 Ford. Which wasn't bad until I had my daughter. The cost of medical for her, gassing up my truck, rent, utilities, etc. AS far as I'm concerned insurance is the first thing to go. F*** it, I'm not gonna say I'll never get into an accident but the likely hood of it being my fault is very very very low. Pretty much an act of God kind of thing. I'm looking for a cheaper way to stay legal but before anybody offers suggestions keep this in mind, I live in the middle of nowhere. There is no public transportation, carpooling is not an option, and walking/biking is out of the question (work is about 45 minutes away). Advice would be appreciated.""

What is the average auto mileage per year?

Farmers Insurance says that it is 22,000 and I don't believe them for a second""

Why were the republicans threatening to collapse the country just to save the insurance companies?

If the costly disagreement was all about obamacare and the effect that its having or going to have on the insurance companies(not the citizens), it seems to me that the insurance ...show more""

Life insurance with gerber life?

hey everybody...im thinking of taking life insurance with gerber life..im getting a lot of pish posh from the company, they seem to be circumventing my questions....im curious has anybody ever filed a claim with them regarding the passing of a loved one, or tried to make a claim with them? my dad...god rest his soul tried to get a life insurance policy claimed when his sister passed on, he was beneficary,,and i remember they gave him a hard time about the policy...if you can suggest a life insurance co you have id be intrested....serious answears only please""

Does becoming pregnant qualify as a life changing event for most insurance companies/employers?

Commonly, life changing events are listed as marriage, divorce, and birth of a child, ect. If a person doesn't have insurance and learns that they are pregnant, will most companies allow enrollment at that time even if enrollment is scheduled at a specific time of the year?""

Motorcycle insurance with no Class C?

I live I California and the dmv gave me an only class M learners permit and I can only ride motorcycles not cars. My problem is Insurance companies keep asking for a drivers license then they cut me but I really don't want a Class C license!!! Any insurance companies bypass that?

Ninja 250r Insurance price for 17 year old?

Hi, i am looking to buy a USED ninja 250r when i turn 17. How much would Insurance cost per month? I plan on taking the msf course, and any other program that could lower my insurance rate. Thanks!""

Can you have life insurance while your on ssdi (disability)?

What are the pros & cons of employer-sponsored health insurance?

In almost every other country health insurance is provided through the government or through private industry directly to the policyholder. America is unique in that health insurance is most often provided through your employer. What are the pros & cons of this system.

""Will my insurance go up, if my parked car was hit and not occupied?""

My Car was hit While parked and was not occupied (nobody was in the car) The car that hit my car, pulled out of the parking spot and was trying to hide. i went and filed a collission report against the driver. what will happen now, will my insurance rate go up? or will i be at 100% no fault. I know some insurance companies try to rip us off. plz help

Can a 17 year old get very cheap car insurance in Ireland?Anone have a good car insurance company?Thanks in ad?

What happens if I become a part time student while on my parent's insurance?

If I apply for life insurance through a different company will they know what I told the first company?

I have life insurance with State Farm. I quit smoking on a daily basis 2 years ago but had a cigarette and 1 hit of marijuana on June 18th of this year. I told this to the underwriters because I wanted to be completely honest. All blood work came back negative for nicotine (Cotinine) and THC. State Farm charged me the smoker's rate and said I can get it reevaluated in 1 year. My agent told me I should have lied since it was just the 1 cig. I am not happy paying the smoker's rate as I don't consider myself a smoker. I called an Allstate agent and she says I can go thru her and just say no this time when asked by the underwriters about smoking. My question is, do they have the State Farm phone interview with the underwriters stored somewhere in some database and they will know I smoked the one cigarette or will I be ok just going thru Allstate and saying no to the smoking question this time?""

Insuring a teen driver?

I was wondering if I have to insure my teen driver. He's just turning 16 and I don't want my insurance rate to sky rocket. Why do I have to insure him, (if I have to.) Isn't him not being on the policy the same as someone borrowing my car?""

""Insured car, uninsured driver?""

I have a free-loading bother in-law and I was just wondering. If he uses the family car which is insured but he does not have car insurance, can he be liable in any accident situation? Please tell me yes, so I have a reason to refuse my car to him. Anything from if he is at fault or not at fault, injury, coverage, or settlements... Thanks""

Best insurance company in ..........................?

What is the best insurance company if I live in Alabraska?

Car insurance gets cheaper at 21?

Okay so this may sound stupid but I have heard that car insurance gets cheaper at the age of 21, I mean it is still alot for new young drivers compared to the 25+ year olds but apparently cheaper. For example a corsa would cost approximately 3,000+ for a 17,18,19 or 20 year old third party fire and theft...but when he/she hits 21, its goes down quite abit, probably to around 1,200 - 1,500....this is what I have heard but not too sure so wanted to see what you guys think!...thanks!:D""

Can you name a place in so. California where I can purchase minimum legal auto liability insurance?

I would be greatly obliged if you didn't limit your answer to something like contact your insurance agent . For one, I don't have one yet, that's part of the problem. I currently have neither a car nor insurance. For my first car, I want to buy a car from one of the many people selling their used cars in my metropolitan area. But without insurance, I cannot drive the car home or even test drive it. I would like to buy the minimum liability insurance that is required by California law BEFORE I choose and buy a car so that way I can go to nearby cities test driving cars, and drive back the one I buy. I have tried shopping online for insurance. I went to all the insurance companies that are on TV plus several others. I came across two issues 1) they base the insurance on what type of car you have, and I do not know which one I am going to get yet, 2) they want to sign me up for complete car and driver's insurance, even though they claim to let me customize my plans. I do not qualify for the state liability insurance for low income drivers. Can you specifically name a place where I can walk in and purchase only auto liability insurance?""

Car insurance problem?

as i pulled into the disabled parking space at my local asda,i turn into space and slow down to line the car into space as you do then as i stopped the car wiggled at the back with a bang so i looked in my drivers door mirror to see a pick up truck up against my car.so it turned out he had reversed back to pick up his wife and not seen me pull into one of the double spaces that he was about to park across and i must add that there was no pick up in view as i pulled into space so he must have reversed from behind the opposite row of cars as i would have stopped if i had seen a pick up going backwards towards the spaces,anyway words where exchanged along with insurance details and we did nothing as we where getting a new car a week later.now the guy who hit me has put in a claim which i have refused and left it With the insurance company.we have a car on insurance and they have received a letter about the claim which did not go through and no money was paid out but they have put another 130 on my insurance how can they do that.I get hit and no claim was paid out but it still cost me an extra 130 and they were going to cancel my insurance can anyone tell me if this is legal what they have done thanks""

Could I buy an auto insurance without a car?

Could I buy an auto insurance without a car? I have no car yet and I plan to buy a used car from owner. So I would like to rent a car for a week to find a used car. Before I buy my used car, could I buy the auto insurance first? Thanks!""

Switching to liability only car insurance?

Hi. I just moved to a new state with ridiculously high car insurance rates. My new rates are nearly double what I paid in my old residency. If I switch my coverage from full coverage, to liability only, how much would I save (approximately?) I currently pay nearly $230 a month on car insurance for full coverage. About how much would liability only be?""

How do you find out if someone that hit you has insurance?

the insurance information i was given after someone hit my car turned out to be fake. my insurance company called his company but was told that the policy # does not exist. so is there a way i can find out through DMV or somewhere his true insurance information? if i can't find it, would this qualify as uninsured since i have uninsured drivers coverage? it would waive my deductible and it would pay for the injuries i suffered in the accident but only if he really is uninsured.""

Good Insurance company?

What's a good insurance company the not expensive? I live in florida and tired of the big name companies. Good driving record too

Short term car insurance quotes?

Hi, are there any car insurance companies that can offer car insurance for a short term (6weeks) for young drivers? Im 19 and had my license since april now, but not been able to get my own car as im going to uni in september and cant afford to buy and insure one for a year. My boyfriend has just got a new car and is offering his old car to me for the weeks before uni to get to work etc so im after insurance for 6 weeks only but all the ones i have looked at wont insure a young driver. I wanted to go with Diamond insurance as they are cheapest for me but not sure if they will offer me short term cover. Help!""

Car insurance question?

Can someone get insurance on a vehicle when their name is NOT on the title?? The insurance is in VA. My husband owns the car and was letting his little bro drive it, but we've removed the insurance and told him NOT to drive it, and found out that he has put insurance on it with his insurance company! Is this possible or legal even?""

Insurance or real estate test is harder?

I have my Property and Casualty License in Colorado and now I am looking into Real Estate license as well. Which test do you think is harder??

Do I need my own car insurance?

I have paid my car off to my mom. She paid for it initially and is the listed owner of the vehicle. I'm 20 years old. Since she is the owner does that mean she will always have to be the primary driver listed on the insurance? If I move out after I graduate in a few months, do I need to get my own insurance plan on the car or stay on hers? I plan to keep her house as my permanent address for at least a few years until I really settle down. It would be cheaper to stay on the plan with her, but can I do that if I don't live in the same household?""

""50cc Scooter, insurance?""

Hi, I have just passed my CBT for a 50cc scooter and hold a provisional licence for the UK. I am 16 and passed the CBT on 24th August. I am looking to buy a 49/50cc scooter but I have found that the insurance is extremeley expensive. I have looked around and filled in quotes from comparethemarket.com and the Post Office but the insurance I want (third party fire and theft) always seems to come out at around 300 a year! I know that some people pay only 50 a year for their 50cc insurance. Does anyone know where to get a better deal? Or does anyone have any tips? Thanks""

What is the best medical insurance company in illinois?

1999 Chevy Cavalier convertible insurance price?!?

I would like to know how much the insurance for a 1999 Chevy Cavalier convertible would be for a 17 year old driver with no tickets or accidents! Please help me out.

Insurance company charging my PARENTS?

i recently got my license and the insurance company called my parents (21-century), and told them that the have to pay a ridiculous amount of money because I live in their house and I have a license. I don't even have a car. I thought u had to have a car to pay for car insurance. They guy who spoke to my mom told her it was a new law even if i don't have a car. By the way i live in california.Do i have to pay insurance just because i got a license? Do i have to forfeit my license in order to live with my parents without getting charged for insurance?""

How much can I expect to get back from a written off car?

I wrote my peugeot 206 off last week the insurance are sending out a settlement figure as soon as they have valued it etc I was just wondering what sort of pay back you get im not expecting much but am hoping to get a new car with some of the insurance money the value of the car is about 2,500 before the crash.""

How much will my insurance go up after dui in ny?

OK so i recently was caught for a DUI in NY state , i am under my sister's insurance (geico) and the car is in my name....i want to know how much will the insurance go up even though my sister never had a claim and i am under her...""

Can you have life insurance while your on ssdi (disability)?

""State farm just dropped me for poor driving history, what insurance company should i go to now?

the title says it all...Statefarm told me they would no longer insure me after my last accident. So now i need to find an insurance company that would cover me. I live in California. i drive a sports car. and my driving record isnt pretty :/

Insurance questions?

Insurance questions? I got into an accident yesterday but my insurance was cancelled because i missed the last Three month's payment. Do u think they will cover the other Guy damaged vehicle? if not would he come after me , or would he be able to sue me?, it was my mistake to cause the accident.?""

Which insurance company is the cheapest for a 18 year old?

iv just passed my test, and bought a citreon saxo 1.1, iv been on many comparison sites and the best quote i get is 3500 third party only which is way too much. Can anyone help me find a better quote Thanks""

How much is it going to cost to add a new 18 year old driver to car insurance?

my mom said its going to cost about 200 bucks a month. thats too much. >_< i live in california.

Does anyone know anything about insurance?

just brought a car but im not insured on it yet as i only have a provisional license. Ive got my test the end of this month and this will sound cocky but i ave a feeling i will pass it ok. But if i get insurance now with a provisional license and pay it in installments, if and when i pass my test, Do people usualy have to pay the following 11 months of provisional insurance (at a higher cost) instead of the full license cost, do you get me? kinda confusing..but if you know anything about it from your own experience or something, wil you tell me what insurance people you r with so i can check them out..i live in ireland by the way so dont tell me about english companies please :) like eg.. my insurance is 1500e, i pay say 30e a week or something on a provisional license. opposed to: my insurance is 800e, i pay just 20e a week or something on a full license.. Do i still have to finish paying 1500e instead of 800e? i cant explain it anymore sorry if it not clear..? thanks x""

""Home insurance costs in Slidell, LA?""

Does anybody have a rough idea of the average home insurance prices for home in Slidell, LA above Interstate 12?""

USAA Insurance on an RX8?

I am currently 19 years old and have a license with no infractions or anything like that. How much around would the insurance cost for a Mazda RX8, any of these years (2006-2010), for USAA?""

How much would it cost for car insurance for someone that's 19 years old?

just liability?

Cheap car insurance in PA?

I'm 17 and am looking to buy a 06/07 Cobalt SS coupe (non-supercharged) and am wondering what the cheapest insurance would be?

What is the cheapest car to insure for a 17 year old girl?

My daughter has started driving lessons and will soon be looking to take her driving test, we are looking to buy a car for her, but want to start with what are the cheapest cars to insure""

How much do you pay for car insurance and does it cover both you and the other driver in an accident?

Now before you answer the question please make sure and find out if your really covered.............because if your paying something less than $140 a month than most likely your only covering the other car in an accident. If possible answer my previous question. http://answers.yahoo.com/question/index;_ylt=Asd8meepYLHdCri7Gn6VxzXsy6IX;_ylv=3?qid=20090607110936AARsYEy

""What is the cheapest car insurance place in the Farmington, New Mexico area?""

I've tried Farmers insurance and Geico. Both places quoted around $240-$280 every 6 months (or monthly payments). I did an online quote at Progressive and got a quote for around $180.00 (which was much cheaper). But I don't know if I filled the information out right? Oh btw, I'm trying to insure my 1995 Ford F-150 pickup. The insurance seems much more expensive on this vehicle than with other cars in my family.""

What's the Fastest way to be approved for disability in MA?

And for God sakes don't answer - to be legitimately disabled. That's obvious!!! I have chronic colitis, I'm frequently sick to my stomach and don't have insurance yet. I go to food banks to eat and can barely afford to even live much less do anything slightly fun. I really need disability and know people that have got it because they say they're depressed when their fine (as they told me). So please don't be cruel with a stupid answer. Any real tips?""

Car Insurance rate increased when I moved????

I recently moved WITHIN the same county and my car insurance rates increased because of the move. Should it increase even though I am in the same county???? It's seriously like 5 miles from my old house....

Can you add you unborn child to your insurance?

well, I would like to add my baby to my boyfriend's insurance (the daddy) can he do it now or we need to wait until the baby is born?""

Motorcycle Insurance?

My father has his own motorcycle. I just got my motorcycle permit. Am I legally allowed to drive it (following the rules of my permit, of course) although the insurance is in his name? State: New Jersey""

What probably are the causes for increasing health insurance rates?

Is it due to inflation, lowering standards of medical care, insufficient government control, deteriorating human health, environmental degradation or other factors?""

Anyone know any sites I can go to to get life insurance and car insurance quotes? I don't want to give my?

phone number to any company because they hound you forever, I just don't need all the phone calls and presser.""

Average insurance costs in the UK on a Porsche 911 Carrera??

Does anyone with a Porsche..any model but preferably one of the 911 series..know how much the average insurance cost is in the UK and can anyone recommend cheap porsche insurers? THANX

Do you have health insurance?

what kind of deducatable do you have?? how much per month? how old are you?

How much would it cost to insure a large SUV for a 16 year old?

I have always wanted this car: http://pictures.topspeed.com/IMG/crop/200608/2006-toyota-sequoia-1_460x0w.jpg The Toyota Sequoia. I know it gets crappy gas mileage, but ive seen worse. And plus Im not gonna be driving that much either. my school is very close to me, along with all my friends houses. But how much will insurance be at your best guess? Also, if I don't blow off gas, and waster it, how much money do you think I will pay per month in California? Dont try to tell me that I am not old enough to be behind an SUV, because 1) Im going to be learning how to drive from my parents in an suv, so i will have some experience 2) my parents want me to get an SUV 3) Im not a dumb a** whos gonna go 50 mph and try to cut a corner and flip over. Bottom line is, im getting an suv and thats that.""

Car insurance without a license?

Hi! I'm going to get a used car next month. I've had my permit for over a year so that means I have to take the written test again. I'm planning on taking it this month, then getting the car next month, then a few months later taking the road test. I have to practice driving in the car that I'm gonna get so my question is, can I get insurance on the car without having a license yet? My parents don't drive, so I cant get on their insurance. So what do you think is the best thing for me to do and what would be the cheapest? Thanks in advance to anyone kind enough to answer my question.:D""

Looking for a good insurance company?

Im barley getting by as it is so i need an insurance company that can help pay for expensive monthly inhalers, and i need dental insurance. But like i said im barley making it as it is, is there anyone out there that is paying for there on plan and what are you paying? Im 19 my moms 55 and we both need coverage. Any suggestions would be really appreciated.""

Car insurance help ok so i am going to be a first year driver?

ok so i am going to be a first year driver what insurance company should i get since the are a lot of them out there and how much do u think i will be paying per month in joliet IL i am a male and 18 years old

Canceling car insurance?

im with hastings direct car insurance and my 1st payment i due on the 20th and i was wondering if i was to phone up and cancel my insurance will i still have to pay it all or will i just have to pay a small fee?

Can you have life insurance while your on ssdi (disability)?

Help me lower my car insurance!?

im a 17 year old male driver, i was thinking of buying my neighbors 2001 car, but apparently insurance is gonna be 6000 a year with me as a primary driver. my parents both drive and both have vehicles, is it possible for them to be the primary driver on 2 vehicles if we say its for work/convenience and myself as the occasional driver on one car? my friend said i can if my parents list the honda as a secondary vehicle and their the primary. is this true/possible? orrr if anyone else knows any way to lower insurance in past experiences or just know help please! :)""

Why is my car insurance so expensive? Can someone who knows the facts please explain?

I am 19 I drive an old 1997 Nissan I've only been in one wreck but that was over 3 years ago. I've been driving since I was 16. My mom is now making me pay my own insurance, and she said it would be around $600. This is insane to me. I don't understand why insurance is so expensive especially if you have been a safe driver for years. I feel like you are just throwing away money for nothing. Could someone explain why car insurance is so expensive and why do you think mine is so high?""

How much would insurance be on a Pontiac Grand Prix GT or Grand AM GT for a 16 year old boy?

I'm getting my license soon and was wondering how much insurance rates would be for a 16 yr old boy with a Pontiac Grand Prix GT or Grand AM GT

Advantages of IT on insurance?

I had got the topic Advantages of Information Technology on Insurance , please tell me what points i can say on this topic ... the main points that i should mention will be pleased if you could give me a few 10, 12 lines of speech on the topic ...in simple English""

What's the cheapest deal/ car insurance i can get as an 18 year old girl (just passed)?

Passed my test yesterday. Which car/ which insurers would be the cheapest. I would happily have a black box etc. Might it be cheaper to have a parent as the named driver? I need to find insurance for around 1000 ideally. (Less would be great but don't think its likely). Thank you

Insurance Savings Plan?

What types of these are available at insurance companies?

Cheapest Car Insurance in California?

I just moved to Los Angeles and I'm wondering what is the cheapest car insurance company in general? Thanks in advance!

Does not having license on you affect insurance?

My brother was returning home one evening last week and thought that the speed limit increased before it did, so he was pulled over for speeding. He was let off for that, but given a ticket because he didn't have his license on his person. He has one, but he left his wallet at home. Now he is worried this will affect his insurance. Does anyone know? Does he have a rap sheet or anything now? This is his first ticket. I have no experience with this now.""

""Annuities and life insurance, please help?""

I am 35 yrs old and I recently purchased Index Universal Life insurance for the tax free money, guarantee return flat rate, and protection from market loss. I also have $100k in my 401k and my insurance agent suggest I rollover to an index annuity to get the best maximum return. I will get a 10% bonus and both the interest and 10% bonus will be compounded for next 30 yrs. If I withdraw at age 55 at 4%, my yearly index return rate is $9.261. I can see for the first 11 years, the annuity company is giving back my original amount. If I live through age 86, I would have withdraw total amount $185,200. Everyone keeps telling me life insurance is a bad investment because of fees and the agent is trying to get a big commission off me. After running and looking at the numbers, it seems annuities and life insurance are the best savings program. Is there something else about the numbers quoted I should be aware of?""

Where can I get an information of car insurance??

I am 18 years old and I want to get a car insurance... where can I get the CHEAPEST but safe car insurance??? THank you... how much is the car insurance for 18-year-old boy???

How old does the bike have to be for classical insurance?

ive been told that my bike (86) should be put under the classical insurance for motorbikes, how old is it? please and thank you. (p.s. this is in the UK)""

What is the best insurance in FLorida for a small child that is not hugely expensive?

I am trying to find a good plan to switch my daughter to in Florida. We are waiting to hopefully get Kidcare but if it falls thru does anyone have a plan they love that doesnt cost hundreds a month?

""What is the average cost of home owner insurance in Houston, Texas?

I know this varies and are based on different factors. I am just seeking an average - thanks!

Help finding a car insurance quote?

I'm doing a project for my economics class where I have to pretend to be a 22 year old living on my own and make a monthly budget for myself. I have to find a car insurance and health insurance quote, but everywhere I search asks for personal information and has to search through my records and credit to give me the right quote. I'm only 17 so they wouldn't find anything on me. I need it for a 22 year old making 27,000 a year. Please help me! 10 points to the best answer :)""

Should i sue my auto insurance company?

On the morning of Sept 14, 2011 my sister woke me up at home asking me where my car was. I went outside to discover my vehicle was gone. So I call the police to come and take a report but of course there wasn't enough officers on duty to send one out so I wake up my brother to get a ride to the station. Keep in mind this is between 2:30-5:00am and the last time I actually saw my car was Sept 13, 2011 at approx 11pm. I arrive at the police station where I make a report, they take down all the info and send me home with the report. Approx 1 hour later they call me and say my vehicle was recovered in a nearby city and they gave me the number to that police station. So I hurry to call them but of course they were closed until 8am. At 8am I call them they said bring my ID and insurance info to recover the vehicle. I go down there and ask questions but they told me they weren't allowed to disclose any information about who, what, were, or when the incident occurred because of confidentiality. They told me I would have to pay the towing and storage fee to recover my car from the impound. So I left and went to the impound paid $218.00 to discover that my vehicle had been totaled. So I had it towed to my house where I called the insurance company to report this. After I reported this incident they took a recorded statement and gave me a claim number. I waited for 2days for my adjuster to call me back and he never did. about 2 weeks later my adjuster calls and leaves me a message saying he needed another recorded statement and to call him back. I call back and got his voice mail. I spoke to one of his colleagues and they said they would send him and his manager a memo to call me back..well that never happened. 1 week after that I get a packet in the mail asking for my cell phone records, keys to the vehicle, and a notarized affidavit. I sent these things back and then a detective from the insurance company calls me and said there were red flags and he needed to get a video recorded statement. I agreed and went to give the statement. A few days later a detective from the police department where my car was recovered from calls me and tells me that my youngest son's father was with some friends at a nightclub were a drive-by shooting occurred and my son's father wasn't shot but the young man he was with was and as a result of them trying to escape the scene my car was crashed. As they arrived to the scene and asked questions about what happened my son's father would not admit he was driving the vehicle, and because they didn't actually see him driving or pull him over they could not prosecute. The detective asked me did I know anything about this incident and I replied hell no! The night of the incident my son's father had came to my house around 3am but never mentioned anything of course because he knows I would have tried to kill him. He also knows I would have been pissed because I never let him drive my car for the 3 years that I have known him, he has never had a license. She ask me was it ok to list him as a suspect and I told her Yes! I let her know that he did not have permission to drive my car under any circumstances. The very next day the detective from the insurance company called me and ask me what was my son's father name and what where the numbers that where called on my cell phone records. He asked why did he call me at 2:54am, I explained he wanted to let me know he was on his way over which wasn't out of the ordinary for him to do. So then the detective tells me my story stinks and I need to withdraw my claim because on my interview I didn't disclose that my boyfriend had come to my house. I told him why did I need to disclose who was sleeping in my bed if it had nothing to do with my car. I mean we know now he had something to do with it but I didn't know then. He told me the police detective also had the keys to my car which was a lie. It clearly states on the impound record that they had no keys. Not to mention the car has broken locks and loose wires I guess he didn't read that part of the report. He also told me I was trying to cover for my son's dad to get the car covered. I told him he could arrest him for GTA for all I care. My car was stolen and no matter who stole it I'm the victim and of course I want my car covered. He then said he was denying the claim and sending the case to the Department of Insurance to see if fraud was committed. Im beyond frustrated because I have nothing to do with what my son's dad did. Should I sue?""

I have my own health insurance. How will these proposed Healthcare reform measures affect me?

Am I going to have to pay more now?

California State Disability and Insurance?

Hi, I am trying to figure out how much of a % I will be getting back from the state. I have short term disability but I havent called them yet to figure out how much I will get every month. Also, I have insurance through work and apparently not all the hospital fees are paid for. For example, my coworker just had a baby and cost her about $1500 out of her own pocket. Altogether was $9000 (rest was billed to the insurance). My doc is telling me I might have to have a C-Section. How much do those usually cost? What the heck is the point of having insurance if there not even going to pay for crap! BTW I am 29 weeks""

Can you register a vehicle and get liability insurance in Texas without a driver's license?

In the near future I'll be moving back to Texas, I'm currently out of the country and I'm a 20 year old US citizen. Anyway, I don't know if this makes sense but is it possible to buy, register a vehicle and get liability insurance in Texas without a driver's license? According to dmv.com to get a first time driver's license in Texas you need the following: -Provide proof of identity. -Provide proof of Social Security number. -Provide proof of Texas vehicle registration and liability insurance, if you own a vehicle. -Complete required application forms available at any Texas driver license office. -Pay the required fee. -Pass the written, driving, and vision examinations. The applicant must provide the vehicle for the driving test. -Your application must include a photograph and thumbprint. The main reason I ask this is because it says that I need to provide a vehicle for the test with insurance obviously, so does this mean that I can buy, register, and insure my vehicle before I take the driving test to get my driver's license? I do have an out of country driver's license, but I don't know if that will work. I have been driving since I was 15, but now I need my Texas driver's license. I still don't know anyone who could lend me their car for the test. Any suggestions??? Thanks.""

How much does health insurance cost?

18 year old, no dependents, on my own, no parental support. Tell me the cost of buying it myself.""

I have already asked if i can get car insurance without license someone said put it in my name is that the car

put car in my name or insurance in my name?

I was wondering how much insurance would be for camaro?

I am a 17 year old male (I know :( ) it would be a z28 I would only want insurance for like 3 months( is that possible) Only liability insurance too or the cheapest one and still be legal.

Insurance low balling me?

The top of a dead tree fell from neighbor's yard, onto my car. Speared the back window and ruined my back seat. Large dent on the roof. Random dents and scratches all over the car. My full coverage insurance company, USAA, declared the accident covered under comprehensive insurance. Deemed unrepairable. I purchased my car for $5k, near $6k after 2years of financing is paid off. This accident just happened after 4 months of payment on the car. I have $3k left to pay. 1999 Honda Civic EX Coupe. KBB valued at: retail, $5.1k. private party, $3.3k. My insurance claim payout will be $2.6k. Which leaves me roughly $500 in the hole. I do not have gap insurance, and I wasn't even aware of gap insurance until this accident (at which point I came across that service while researching insurance info). It would cost me upwards of $5k easy to replace my Honda with a same or similar model from a car dealer. Is there any way to get more from my insurance claim? Is there any way to get more from my insurance claim?""

If I buy a new car will my auto insurance run my driving record again?

My husband and I currently own a truck and have an exisiting comprehensive auto insurance policy in Texas. If we buy a new car (thereby removing the truck and adding the new car to our policy but not changing anything else) will the insurance company run his driving record again?

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.""

Do i have to be on my dads insurance to take the road test?please answer im desperate:(?

Hi, i live in Florida,im 18 no matter what im trying to do my dad finds a way to not make it happen,and im starting college Monday and i have to drive myself and i made an apponitment for this Friday to take the written exam and the road test,my dad went to go put me on the insurance today, and he told me that they told him i cant be on his insurance because quote from my dad that he was told by the insurance ladie im a girl,im under 21, and i live with them. or they have to pay $3,000 he said its florida direct or florida no-fault for his insurance. does this sound like hes lying to me or is this all true? Thank you.""

Can you have life insurance while your on ssdi (disability)?

https://www.linkedin.com/pulse/insurance-claim-question-richard-castillo/"

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