#in its correct and legal form by our law and i will be paid extra for all the weekends and state holidays i work during
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damn, i wanted to make this meme post yesterday and rant about things and then i forgor. so anyway. a bit late but here:
sending an email to my new employer whose contract i am to sign and start working for from next week like
#mine#also i looked it up and surprisingly (not) being paid extra for holidays and weekends is not really a norm overseas. not everywhere#which makes sense both historically and culturally. also technically we have a shitload of state holidays compared to others#nonetheless#and more importantly. i need to publicly proclaim i have won the fight of a labor code and i will be getting my contract#in its correct and legal form by our law and i will be paid extra for all the weekends and state holidays i work during#hurray to me being a bitch and knowing the law and keeping paper receipts for everything :)
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New Post has been published on https://coinprojects.net/u-s-congress-submits-18-crypto-bills-in-2021-visa-buys-150k-cryptopunk-microstrategy-snaps-up-more-btc-hodlers-digest-aug-22-28/
U.S. Congress submits 18 crypto bills in 2021, Visa buys $150K CryptoPunk, MicroStrategy snaps up more BTC: Hodler’s Digest, Aug. 22-28
Coming every Saturday, Hodler’s Digest will help you track every single important news story that happened this week. The best (and worst) quotes, adoption and regulation highlights, leading coins, predictions and much more — a week on Cointelegraph in one link.
Top Stories This Week
Congress has put forward 18 bills on digital assets in 2021 so far
The U.S. Congress has been ramping up its efforts to provide a regulatory framework for crypto in 2021 and has put forward 18 bills concerning digital assets and blockchain tech so far this year.
According to an Aug. 22 analysis from former Federal Deposit Insurance Corporation regulator Jason Brett, the current 117th Congress differs from its predecessor in that it has been focusing on regulation concerning decentralized assets as opposed to private stablecoins.
It was also reported this week that the contentious $1 trillion infrastructure bill will see a vote in the House of Representatives by Sept. 27 — without any amendments to the controversial crypto tax provisions.
Visa invests $150,000 in NFT CryptoPunk asset
This week Visa, Visa spent $150,000 on a tokenized JPEG of a pixel art punk, better known as a CryptoPunk NFT. The firm announced the news in an Aug. 23 blog post, with Cuy Sheffield, the head of crypto at Visa, teasing that the firm may be looking at a prolonged stay in the sector.
“To help our clients and partners participate, we need a first-hand understanding of the infrastructure requirements for a global brand to purchase, store and leverage an NFT,” he said.
Visa purchased CryptoPunk 7610 — a female figure with a mohawk, green clown makeup eyes and lipstick. Obtaining an “understanding of the infrastructure requirements” in purchasing an NFT mustn’t have taken long, as all you need to do is buy it and store it in your wallet. It’s not rocket science.
Budweiser also joined in the action by purchasing a fan art NFT for 8 Ether (ETH), worth roughly $25,000. The NFT depicted a Budweiser-branded rocket that would take five minutes to whip up on Adobe Illustrator. The beer producer also spent 30 ETH, or $94,000, on the domain name Beer.eth through Ethereum Name Service on OpenSea.
PayPal launches crypto services for UK customers
Global payments provider PayPal announced the rollout of its crypto services for customers in the United Kingdom this week.
PayPal first launched its crypto services less than a year ago, and this is the first time it has expanded crypto support beyond U.S. shores.
The firm will initially allow customers to buy, sell and hold crypto assets including Bitcoin (BTC), Ether, Litecoin (LTC) and Bitcoin Cash (BCH). However, crypto transactions for PayPal business accounts aren’t supported yet.
MicroStrategy splashes $177M on Bitcoin, now holds almost 109,000 BTC
MicroStrategy, led by Bitcoin apostle Michael Saylor, has snapped up another $177 million worth of digital gold. The latest purchase takes the firm’s tally up to 108,992 BTC, which cost a mere $2,918 billion overall.
The average purchasing price for its BTC sits at approximately $26,769 per coin. With the price of BTC sitting at $47,584 at the time of writing, MicroStrategy’s holdings are valued at $5.1 billion.
It is a foregone conclusion that Saylor is “all in” on BTC at this stage. However, it is yet to be seen if he will respond to crypto skeptic Peter Schiff’s call out for a debate. Schiff faced off against Anthony Scaramucci this week over whether gold or BTC is a better store of value. After he won, he stated in jest:
“I just gotta say one thing: Michael Saylor, stop ducking me, I know you’re out there.”
Binance denies allegations of market manipulation
Major crypto exchange Binance came out swinging this week as it pushed back against allegations of market manipulation and trading against its users.
The firm is currently facing regulatory scrutiny and, in an Aug. 23 Twitter thread, Binance seemingly laid the blame of assertions of market manipulation on publications spreading FUD, along with people impersonating Binance employees.
The firm stated that, while it works on its compliance targets with regulators, it expects “fewer FUD-peddlers and individuals with malicious intent,” and went on to warn:
“Binance reserves the right to take legal action to protect its interests and welcomes responsible whistle-blowing that protects the trust of our community.”
Winners and Losers
At the end of the week, Bitcoin is at $48,373, Ether at $3,233 and XRP at $1.14. The total market cap is at $2.08 trillion, according to CoinMarketCap.
Among the biggest 100 cryptocurrencies, the top three altcoin gainers of the week are Tezos (XTZ) at 46.33%, Avalanche (AVAX) at 33.86% and Celo (CELO) at 31.97%.
The top three altcoin losers of the week are Audius (AUDIO) at -21.08%, XinFin Network (XDC) at -13.99% and SushiSwap (SUSHI) at -12.76%.
For more info on crypto prices, make sure to read Cointelegraph’s market analysis.
Most Memorable Quotations
“As long as the statute says that software developers, miners, stakers must do the impossible, there is no lawyer who would advise them to risk operating in violation of laws whose penalties for non-compliance would easily bankrupt them.”
Lawrence Zlatkin, Coinbase global vice president of tax
“In the last year, we’ve seen a significant shift in how the global financial ecosystem is thinking about new business models fueled by digital assets, and how this is playing a meaningful role in financial infrastructure.”
Linda Pawczuk, principal at Deloitte Consulting
“We will want to wait for all the regulatory things. Of course, crypto is an area which is extremely interesting, and is the biggest buzzword and is doing exceptionally well. But we would want to understand more on the regulation side.”
Manu Jain, managing director of Xiaomi India
“A trading platform that offers derivatives on digital assets to U.S. persons without registering, or in violation of CFTC trading rules, is subject to the CFTC’s enforcement authority.”
Dawn Stump, commissioner at the U.S. Commodity Futures Trading Commission
“When you have a good crypto wallet like Novi will be, you also have to think about how to help consumers support NFTs.”
David Marcus, head of Facebook Financial and co-creator of Diem
“Be wary of investment opportunities with low risk and high returns. If something sounds too good to be true, it probably is.”
Delia Rickard, deputy chair of the Australian Competition and Consumer Commission
“Binance has never traded against our users nor manipulated the market, and we never will.”
Binance
“With our CryptoPunk purchase, we’re jumping in feet first. This is just the beginning of our work in this space.”
Cuy Sheffield, head of crypto at Visa
“I think this cryptocurrency revolution and Bitcoin specifically, because of its scarcity, is going to transcend gold. It’s more portable, it’s impregnable in terms of the transaction over the blockchain […] and it’s being adopted quite rapidly.”
Anthony Scaramucci, Skybridge founder
Prediction of the Week
Bitcoin bullish cross on weekly chart paints $225K BTC price target if history repeats
Bitcoin regained the $50,000 price level this week, although the asset subsequently fell several thousand dollars as part of a price correction, fluctuating between $45,000 and $50,000 for most of the week.
During the month of August, the moving average convergence/divergence (MACD) indicator on Bitcoin’s weekly price chart formed and continued through a cross of the indicator’s two lines, and jumped to green on its histogram (the bar part at the bottom of the indicator).
What does it mean? Well, nothing is certain, but according to reporting from Cointelegraph’s William Suberg, the last time Bitcoin’s MACD indicator acted similarly (last fall), the asset’s price grew by more than five times in value in the following half dozen months. BTC could potentially rise above $200,000 if things play out comparably, according to Suberg.
FUD of the Week
Google bans 8 ‘deceptive’ crypto apps from Play Store
Google, the Silicon Valley-based tech overlords, took down eight fraudulent crypto apps from its Google Play Store this week.
Fraudulent crypto-themed mobile apps have been popping up more frequently over the past 12 months, and they usually operate under the false pretext of offering cloud mining services.
According to a recent report from Trend Micro, the apps were charging around $15 a month for their fake services and extra for “increased mining capabilities” — all while duping users into watching paid ads.
The reportedly fake crypto apps included mining services such as BitFunds, Bitcoin Miner, Daily Bitcoin Rewards, Crypto Holic and MineBit Pro, to name a few.
Poll shows Brits concerned over the prospect of a digital pound
According to a survey conducted by Redfield & Wilton Strategies on behalf of Politico, 30% of British adults hold concerns over a Bank of England-issued central bank digital currency, or CBDC.
For some reason, the notion of having a programmable government-backed CBDC that can track all of their spending habits doesn’t sound appealing to them. If they think that’s bad, just wait until they hear about the insatiable appetite for personal data that Apple, Google or Facebook has.
There were 2,500 British adults surveyed in the study during early August, with 24% believing that it could be beneficial, while 46% were undecided.
Coinbase users angry with customer support after funds disappear from accounts
Top U.S. crypto exchange Coinbase was facing backlash this week for terrible customer service in relation to users reporting hacks and being drained of funds.
According to an Aug. 24 investigation from CNBC, thousands of disgruntled customers across the U.S. have lodged complaints against the company, and are unhappy with the lack of response from Coinbase when dealing with hacks and stolen funds.
“Interviews with Coinbase customers around the country and a review of thousands of complaints reveal a pattern of account takeovers, where users see money suddenly vanish from their account, followed by poor customer service from Coinbase that made those users feel left hanging and angry,” CNBC stated.
Best Cointelegraph Features
Blockchain is as revolutionary as electricity: Big Ideas with Jason Potts
“This is completing the revolution that was started with the internet.”
London’s impact: Ethereum 2.0’s staking contract becomes largest ETH holder
The aftereffects of the London upgrade begin to emerge as the Eth2 staking contract becomes the single largest Ether holder.
The new episode of crypto regulation: The Empire Strikes Back
A decentralized exchange reckoning is coming — and it’s bigger than the infrastructure bill — thus, the DeFi community must be ready.
Source link By Cointelegraph By Editorial Staff
#Altcoin #Binance #Bitcoin #BlockChain #BlockchainNews #BNB #Crypto #CryptoExchange #ETH #Etherium #RippleNetwork #XRP
#Altcoin#Binance#Bitcoin#BlockChain#BlockchainNews#BNB#crypto#CryptoExchange#ETH#Etherium#RippleNetwork#XRP#Blockchain#CryptoPress
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fender bender cost without insurance
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If I Ruled The World
The world would be quite a bit different if I were its supreme dictator. Oh yes, I am in favor of a dictatorship, as long as that dictator is me! And here's how it would go.
A few disclaimers before we begin: 1) Keep your expectations low when you read this. You won’t like everything I list but you won’t hate it all either. This is due to me being neither a liberal or a conservative solely but rather bits and pieces of each. 2) I am making this rant for my own entertainment and the entertainment of the few people who enjoy it when I rant. I am not making this in hopes of starting a debate on what is right or wrong, stupid or smart. If I sound like an idiot to you, cool. Let me sound like an idiot in peace! With that said, keep your lame ass argumentative comments out of my inbox. Thanks. Ok on with the rant!
First of all, I'd have to setup a single worldwide government. The current rulers of all current nations would become representatives of their respective countries on my World Senate. Of course, being a dictator I don't really need a Senate, but it's nice to have. As long as they know that anything they decide can get shit-canned by me, then it's all good. Not Bush though. And definitely not T.rump. I would pass a law that no-one in the Bush/T.rump family is ever allowed to enter politics ever again. I'd make 0bama the President again so he could be the American Senator, cuz I liked him. It goes without saying that I'd first pass all sorts of Youth Rights laws. Every age-based law would be abolished and replaced by laws that actually make sense. For example, the driving age would get axed and be replaced by a more rigorous driving test. In fact, we have way too many stupid drivers out there as it is, so the WHOLE driving test would have to be retaken by everyone. I would bring back beheading as the favorite execution style. Lethal Injections are for pussies. What the fuck is scary about getting a shot that puts you to sleep? Fuck no, if you did something bad enough that you deserve to die, you're gonna lose your head, bitch! Murderers get the death penalty, period. No life imprisonments for assholes who kill people. You kill someone, you die, that's all. (Note: DP would however only occur with a substantial amount of concrete evidence) Rapists get the death penalty. If she said no, then it's NO, motherfucker. If you beat your kids, you get put in chains in the middle of Times Square and people can pay $1 for one punch or kick. The beatings stop when someone draws blood (cuz we don't wanna kill your ass). On the 3rd offense, an angry mob gets to beat your ass into a coma. If you come out of it, your kids can decide whether you should live or die. If you molest a kid, whatever part of your body touched them gets painted with acid. Then you go to the chopping block! If you steal from someone, you lose your rights and freedom for 1 year and become your victim's endentured servant. On the 3rd offense, you will work until you have paid for 10 times the value of the item stolen or for 5 years, whichever comes first. Marijuana is legal in Salt’s World. It will be tightly regulated and heavily taxed, because if you're gonna be a pothead, you're gonna fucking pay for it. Growing your own shit or selling it without a license will be considered stealing from the government and you get the punishment for theft (see above). Drunk drivers get no chances. First offense of drunk driving means you lose your license for life, in theory. I say "in theory" because it will work sort of like a life sentence in prison works. You can be brought up for "parole" and a committee will assess whether you deserve to get your license back. Such assessments will occur once every 10 years. If you beat your wife, I annul your marriage and place a restraining order against you. I don't care if she gives me that brainwashed crying bullshit "but he loves me, he didn't mean it, really he doesn't abuse me." You hit her, you lose her, and that's final. I will have my government scientists figure out an alternative to abortion that everyone can live with. Preferably, I'd like to see us be able to remove an embryo and continue to grow it in a lab. People who're trying to adopt always want babies and they always have to wait years for one. Not anymore. Furthermore, it seems that adoption is frowned upon due to it being so difficult to get approved and those who do get approved have a predisposition for choosing pretty, white INFANTS. Under my control, a new process will be drawn up to make it not only easier to adopt regardless of sexuality, marital status, etc but make it so that people don’t get to “select” which child they want. First come, first given, end of story. If you really want a child, you wouldn’t be that gdamn picky anyway. If you don’t want your child, that’s fine and well. We will literally take it out of your stomach (same concept as aborting) and grow it for you. Real abortions will only be allowed if a health risk to either mother or child comes up. This is how I would attempt to find middle ground, a compromise if you will. My government will fund cloning research. I want to be able to clone stem cells and body parts. If this can be done, maybe sick and dying patients won't have to wait year after year for suitable donors. In a world where everyone is part of the same government, there's not much need for massive armies. A global police force will be instituted as the next step above Federal officers. So, it would go, local cops, state cops, federal cops, global cops. Without an army to feed, clothe, etc. a shitload of money would be freed up to make people's lives better. There won't be anymore fucking hunger in my world. Every single farm worldwide will be required by law to give 5% of their yearly output to the government for distribution to the poor. They will, of course, receive a humongous tax break for doing this and any farm that voluntarily gives in excess of 15% will pay no taxes at all. Yes, I know this will make the cost of food rise globally. Too bad. You pay a dollar more for your T-bone and you can just cry about it, but at least some little Ethiopian can have some fucking potatoes that night. And in retrospect, under my administration, the percentage of poor people in the world should lower dramatically if not disappear altogether if you play your cards right. But until this global shitshow is corrected, that’s what would have to happen. Medicine will no longer be big business. All wealthy citizens under my rule will see a tax increase, which will pay for everyone's healthcare. No more private insurance companies, it's going government-issue, baby! And, by the way, under my rule the words "government issue" won't be a synonym for "piss poor." No one should be groaning about this because the minimum wage will also see an increase to an actual living wage proportional to the cost of living that will make workers and their families happy and also boost consumer sales, thus increasing the profits of businesses everywhere. The lack of insurance plans employers now have to provide for their employees will free up some of that extra cash. We're dismantling nuclear weapons and using their radioactive components as fuel. What the fuck do we need nukes for when all the world is united under one government? I will pass a law stating once and for all that all sentient life on this planet is entitled to equal treatment and protection under the law and that no law may be passed which contradicts this. Gay marriage: Legal. If you file a stupid lawsuit, we throw you in jail for 3 months. This includes suing the tobacco industry when you're the one who lit up 50 times a day for 30 years, moron. You also can't sue because you're fat. Watch what you eat and exercise if it bothers you so much! I will force Microsoft, Apple, and all those Google people to work together and create "The Uber OS." It'll run Windows programs and Mac programs (all versions) and Google programs (all flavors). All the drivers will work interchangeably. They will all be told that if the OS ever crashes, they each lose a family member! Mwahahahahaha. (kidding obvs). Every citizen will be allowed to carry a sidearm, as long as the sidearm is worn in plain view (like the old west). Every citizen carrying a gun had better remember the price they'll pay for murder. Unless it's self defense or defense of another's life, don't pull that gun! Significant resources will be diverted to build subway systems. City-wide, State-wide, Nation-wide, and World-wide systems will be built. Any system that is Interstate or beyond must be supersonic. The World-wide system must reach speeds of Mach 2 or greater (don't try standing up on the train, bitch!). The purpose of this subway network will not only be to facilitate free travel across the globe, but also to provide countless millions of new jobs that should adequately handle our planet's homelessness and unemployment problems. I should've mentioned taxes earlier, but here it is. The worldwide tax brackets will be as follows: everyone making 10k or less will owe 12% (you can omit the extra 2% with a financial hardship exemption form but it should be noted that no full-time adult worker should be making that much under my leadership so this should be doable without a person’s quality of life taking a hit), everyone making between 10,001-99,999 will owe 15%, everyone making $100k-$200k will owe 30%. Everyone over 200k will owe 50%. Surely you don't think the money for all these great improvements is just gonna fall from the sky? Recycling will become mandatory. We throw away far too much shit. Why chop down a rainforest when there's enough paper in a city dump to fill a library 10 times over?! We will also have to become far less dependent on fossil fuels. I'll work out a timetable for eventually outlawing fossil fuels in favor of electric, solar, and nuclear power. Go back to that city dump and imagine how many atoms are sitting their going to waste when we could be smashing them and reaping the benefits. Prison overcrowding? No problem! Legalizing weed and making drugs a medical issue instead of a criminal one should take care of this problem for the most part and as for the rest, well, Antarctica is just sitting there not doing a damn thing, it's time we put it to use. Remember the penal colony "Rura Penthe" from Star Trek VI? Yup, it'll be something like that. No guard towers, no fence, nothing. If you wanna escape, go ahead. You'll just freeze to death, idiot. Otherwise, you'll stay right there in prison and serve out your sentence. Imagine how many new jobs a prison that size will create? And the cost of feeding them will be negligible. They'll have giant heated greenhouses for growing everything they eat. They don't work to grow it, they don't eat. In other words, a prison sentence means you serve your time as a farmer in the middle of frozen fucking nowhere. Jon Stewart will be appointed as my press secretary. At least all my press releases will have the whole world laughing their asses off. Minimum Wage will be increased to $12.50/hr. I think Ronald McDonald can afford to buy used overhauls for a while so that his employees don't have to shop at the Salvation Army. Corruption in government would be gone. No one is allowed to spend more than $500 on their election campaigns. They can put up a fucking website and do grassroots shit. That way there's no big corporate donations and shit to deal with. Plus, politicians are gonna become like preachers: We give them a place to live and a minimal salary, that's it. No big bucks, no fancy cars, nothing. It's not gonna be about the money. All the money we cut from politicians can go to teachers, cops, firemen, etc. Y'know, the government employees who actually fucking DO something worthwhile and give back to society. Pro Athletes get capped at $90,000/yr. None of this being a rich bastard because you play a fucking game. Maybe then, only people who LOVE the sport and DON'T corrupt it will find their way in. Just like with the politicians, when it's not about the money only people who actually give a fuck will want the job. Ninety grand a year is still a damn good salary. It's not like they'll be poor. The RIAA and MPAA will be told once and for all to shut the fuck up about Peer-to-Peer. They should've jumped on the bandwagon when it got rolling, now they can just suck it up. By the way, musicians and actors are capped at $60,000/yr. They can still have the royalties on their music, movies, concerts, commercial deals, etc. Wouldn't be fair to take that away from them. However, the industry will still be encouraged to develop better copyright protection methods so that all the true geeks can still enjoy the immense thrill of breaking a copyright protection scheme only days after it's implemented. They've gotta have something to do on a dateless Saturday night. Wouldn't want to rob them of that. We'll be having a government-sponsored betting pool on how long it takes the industry to figure out that copyright protection is fucking useless (they spend years developing some new state-of-the-art system and once it's released, a 13yo breaks it in 2 days... get a clue). SPAM will be made illegal! The punishment for spamming is 5 years in the Antarctic Prison Colony! I think that just about covers the basics. Of course, I could probably go on all fucking night with this shit, but if I kept going I'd never get this rant posted. Just know that there's like a billion more cool things I'd do. I might just have to make a sequel to this rant. Until then....... Salt for president 2020.
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Texas Charitable Raffle Bond
The below post is a good intro to bid bonds. Bid bonds, as you know, are bonds utilized in the building and construction industry. These bonds ensure that if somebody bids on a project, and is awarded the agreement, then they will move forward with performing under the terms of the agreement.
See the below post for more great info. You can see the initial post here: https://swiftbonds.com/license-permit-bonds/charitable-raffle-bond-texas/
Texas Charitable Raffle Bond
What is a Charitable Raffle Bond in Texas?
A Charitable Raffle Bond is a type of license bond. The purpose of the bond is to protect the state or governmental entity for certain things, such as the payment of taxes.
To get this bond, please see our Charitable Raffle Bond Application Form. Fill this out and mail to [email protected]
You can also Apply On Line by clicking on this link.
How Much does a Charitable Raffle Bond Cost in Texas?
Just fill out the form below and we’ll have you a quote in a few hours – at the absolute best possible rate.
How do I get a Charitable Raffle Bond?
We make it easy to get a Charitable Raffle Bond in Texas. Fill out the form above and we’ll get right on this for you.
How Does this Process Work in Texas?
Once we get the Charitable Raffle Bond application back from you, we process it right away. We typically have an answer within a few hours. Once you get approved, we’ll let you know the exact fee. Then:
You send us the fee
We send you the bond
For certain bonds, we may send you original forms to fill out (depends on the type of bond in TX)
Then we’ll get the Charitable Raffle Bond right out to you. Easy.
Texas Charitable Raffle Bond Application Form Fill this out and mail to [email protected]
Apply On Line
Find a Charitable Raffle Bond Near Me
We’ll work as hard as possible to get you the bond that you need in TX.
Find out more about our Permit and License Bonds
Clear-Cut Ideas When Thinking Of License Bonds Solved
It is highly essential to lots of professional services and construction businesses to obtain license and permit bonds. Most governments require that you have a permit bond for all your operations that involve a consumer. You should get the bond to acquire the license or permit for your company. The surety bond is a form of an insurance that guarantees the delivery of a service or infrastructure project to consumers. If a client files a complaint against your bond, you are going to face legal action. If you would like to know more on how to obtain a permit bond, below are a few of the important facts that you should consider.
Identifying License And Permit Bonds
The type of license and permit surety bond that you are going to need for your company may vary depending on the industry or category of your processes. The kind of bonds differ according to purpose and how it could protect the consumers.
Types of Surety Bonds
The following are a few of the most common types of surety bonds:
What is the purpose of license and permit bond? The key function of permit bonds is to ensure the clients and the government any projects entered into can be delivered accordingly. If a contractor was found non-compliant in the governing rules that cover their operations and failed to produce the required service or project result for its consumer, he or she will eventually face legal action. As a result, you should consider not violating any laws for this may result in considerable loss for your business since you need to satisfy the financial damages done by your actions. Never try to violate any laws.
Another common type of surety bond is performance bonds, which is intended to protect the clients’ project. It’s essential for contractors to supply result on the agreed date in cases of infrastructure projects. Meeting all specifications asked for by the consumer is portion of the quality services. In case of failure to comply, the consumer has the right to recover particular amount of the whole project cost through the help of the performance bond. Specially, the contractor has no apparent reason not to be able to deliver the project result prescribed in a contract agreement, which is secured by the performance bond. It’s because he or she has the skills, knowledge and tools to execute the operation. In some cases, even so, contractors fail to comply what is required. Fortunately, the customer won’t incur substantial loss.
Significance Of License And Permit Bonds
This section details the important advantages that you are going to enjoy once you hire an expert who holds a license and permit bonds.
Flawless Systematic Work
According to the requirements of the government, there are particular rules and methods to be followed in doing a systematic work. Let us take for instance a construction project, the systematic flow of processes are defined in the license bonds. The contractor who is involved to this operation must then follow this system.
Insurance
Luckily, the permit bonds care for the clients of professionals. It indicates that if a professional fails to supply as promised, the consumer will get compensation. The customer, as a result, recovers specific amount of money from the failed engagement because of the incapacity of the professional to deliver what he or she has promised.
Methods Involved In The Application
It is not tough to apply for a license and permit bond as long as you stick to the right methods. Here’s a list of approved methods that you should follow when looking for you license and permit bonds.
The Online Form
First, you must fill the application form. You can find this online application form through an approved issuing company that’s highly recommended by many users. This signifies that you’ll need to not only choose a platform that has the application form, but also make sure that it has verification. Once you get the form, you should only use the honest info when filling it.
Acquiring A Quote
Next step after submitting the application is the quote, which indicates the amount you should pay. Remember, the quote is dependent upon the amount of the project you indicated in the application form. So make sure that your figures are correct. Take note. It is only after the application form has been successfully submitted that you are going to be able to get a quote.
Payment
Finally, you have to pay the surety bond after getting a quote. You can only obtain a license and permit bond after you have paid the issuing company.
While Filling The Form;
Do not lie in the form. It is as the government will be able to locate out that you misrepresented the information, leading to legal action. Remember that the government is skeptic when it comes to legal documents. Even if you have poor credit scores, try using the appropriate info.
Important Information About The License And Permit Bonds
Payment Rates
As mentioned earlier, the rate that you will pay for the bond will depend upon its type. But, it does not cover the entire project cost, only a relative percentage. In most cases, you’ll only be asked to pay no less than 1% of the insured portion.
Licensing Power
The bond will act as a license for your customers. The bond is, as a result, an insurance which you pay in behalf of the clientele to ensure them that you will provide the service or infrastructure project they need.
After you have finished reading this article, you need to be able to understand now the need and benefits of acquiring license and permit bonds for your infrastructure projects. Obtaining the right type of surety bond is essential in ensuring that you’ve got the right approval.
See our Texas Combative Sports for Gross Receipts Bond page here.
A Deeper Take A Look At Bid Bonds in Construction A Quote Bond is a kind of surety bond used to ensure that a professional bidding on a task or job will enter into the contract with the obligee if awarded.
A Quote Bond is issued in the quantity of the contract quote, with the similar requirements as that of an Efficiency Bond.
Everything About Bid Bonds in Building The origins of our service was closely related to the provision of performance bonds to the contracting market. Somewhat greater than one hundred years ago, the federal authorities grew to end up being alarmed worrying the high failure cost among the personal companies it was utilizing to perform public building and construction tasks. It found that the private specialist normally was insolvent when the task was granted, or grew to become insolvent earlier than the challenge was completed. Accordingly, the federal government was continually entrusted to incomplete efforts, and the taxpayers had actually been required to cover the extra rates emerging from the contractor's default.
The standing of your surety firm is essential, because it guarantees you that when you have difficulties or if worse involves worst you'll have a trusted partner to turn to and get help from. We work only with T-listed and a-rated business, probably the most reputable corporations in the industry.
Usually no, they are separate. Quote bonds mechanically turn into performance bonds in case you are granted the agreement.
What Is A Construction Surety Bond? The origins of our business was carefully linked with the arrangement of efficiency bonds to the contracting market. Even if some tasks do not require cost and efficiency bonds, you will need to get bonded lastly since the majority of public initiatives do need the bonds. The longer a small professional waits to get bonded, the more durable it will be considering that there will not be a observe report of fulfilling the necessary requirements for bonding and performing bonded work.
The only limit is the greatest bond you may get for one particular job. The aggregate limit is the entire quantity of bonded work readily available you perhaps can have without hold-up.
The Value Of Quote Bonds near You Arms, generators, radio towers, tree removal, computers, softward, fire alarms, ornamental work, scaffolding, water towers, lighting, and resurfacing of present roads/paved areas. Quote bonds furthermore function an additional warranty for task owners that a bidding contractor or subcontractor is certified to perform the task they're bidding on. There are two causes for this.
https://swiftbonds.com/license-permit-bonds/charitable-raffle-bond-texas/
0 notes
Text
Texas Charitable Raffle Bond
The below post is a good intro to bid bonds. Bid bonds, as you know, are bonds utilized in the building and construction industry. These bonds ensure that if somebody bids on a project, and is awarded the agreement, then they will move forward with performing under the terms of the agreement.
See the below post for more great info. You can see the initial post here: https://swiftbonds.com/license-permit-bonds/charitable-raffle-bond-texas/
Texas Charitable Raffle Bond
What is a Charitable Raffle Bond in Texas?
A Charitable Raffle Bond is a type of license bond. The purpose of the bond is to protect the state or governmental entity for certain things, such as the payment of taxes.
To get this bond, please see our Charitable Raffle Bond Application Form. Fill this out and mail to [email protected]
You can also Apply On Line by clicking on this link.
How Much does a Charitable Raffle Bond Cost in Texas?
Just fill out the form below and we’ll have you a quote in a few hours – at the absolute best possible rate.
How do I get a Charitable Raffle Bond?
We make it easy to get a Charitable Raffle Bond in Texas. Fill out the form above and we’ll get right on this for you.
How Does this Process Work in Texas?
Once we get the Charitable Raffle Bond application back from you, we process it right away. We typically have an answer within a few hours. Once you get approved, we’ll let you know the exact fee. Then:
You send us the fee
We send you the bond
For certain bonds, we may send you original forms to fill out (depends on the type of bond in TX)
Then we’ll get the Charitable Raffle Bond right out to you. Easy.
Texas Charitable Raffle Bond Application Form Fill this out and mail to [email protected]
Apply On Line
Find a Charitable Raffle Bond Near Me
We’ll work as hard as possible to get you the bond that you need in TX.
Find out more about our Permit and License Bonds
Clear-Cut Ideas When Thinking Of License Bonds Solved
It is highly essential to lots of professional services and construction businesses to obtain license and permit bonds. Most governments require that you have a permit bond for all your operations that involve a consumer. You should get the bond to acquire the license or permit for your company. The surety bond is a form of an insurance that guarantees the delivery of a service or infrastructure project to consumers. If a client files a complaint against your bond, you are going to face legal action. If you would like to know more on how to obtain a permit bond, below are a few of the important facts that you should consider.
Identifying License And Permit Bonds
The type of license and permit surety bond that you are going to need for your company may vary depending on the industry or category of your processes. The kind of bonds differ according to purpose and how it could protect the consumers.
Types of Surety Bonds
The following are a few of the most common types of surety bonds:
What is the purpose of license and permit bond? The key function of permit bonds is to ensure the clients and the government any projects entered into can be delivered accordingly. If a contractor was found non-compliant in the governing rules that cover their operations and failed to produce the required service or project result for its consumer, he or she will eventually face legal action. As a result, you should consider not violating any laws for this may result in considerable loss for your business since you need to satisfy the financial damages done by your actions. Never try to violate any laws.
Another common type of surety bond is performance bonds, which is intended to protect the clients’ project. It’s essential for contractors to supply result on the agreed date in cases of infrastructure projects. Meeting all specifications asked for by the consumer is portion of the quality services. In case of failure to comply, the consumer has the right to recover particular amount of the whole project cost through the help of the performance bond. Specially, the contractor has no apparent reason not to be able to deliver the project result prescribed in a contract agreement, which is secured by the performance bond. It’s because he or she has the skills, knowledge and tools to execute the operation. In some cases, even so, contractors fail to comply what is required. Fortunately, the customer won’t incur substantial loss.
Significance Of License And Permit Bonds
This section details the important advantages that you are going to enjoy once you hire an expert who holds a license and permit bonds.
Flawless Systematic Work
According to the requirements of the government, there are particular rules and methods to be followed in doing a systematic work. Let us take for instance a construction project, the systematic flow of processes are defined in the license bonds. The contractor who is involved to this operation must then follow this system.
Insurance
Luckily, the permit bonds care for the clients of professionals. It indicates that if a professional fails to supply as promised, the consumer will get compensation. The customer, as a result, recovers specific amount of money from the failed engagement because of the incapacity of the professional to deliver what he or she has promised.
Methods Involved In The Application
It is not tough to apply for a license and permit bond as long as you stick to the right methods. Here’s a list of approved methods that you should follow when looking for you license and permit bonds.
The Online Form
First, you must fill the application form. You can find this online application form through an approved issuing company that’s highly recommended by many users. This signifies that you’ll need to not only choose a platform that has the application form, but also make sure that it has verification. Once you get the form, you should only use the honest info when filling it.
Acquiring A Quote
Next step after submitting the application is the quote, which indicates the amount you should pay. Remember, the quote is dependent upon the amount of the project you indicated in the application form. So make sure that your figures are correct. Take note. It is only after the application form has been successfully submitted that you are going to be able to get a quote.
Payment
Finally, you have to pay the surety bond after getting a quote. You can only obtain a license and permit bond after you have paid the issuing company.
While Filling The Form;
Do not lie in the form. It is as the government will be able to locate out that you misrepresented the information, leading to legal action. Remember that the government is skeptic when it comes to legal documents. Even if you have poor credit scores, try using the appropriate info.
Important Information About The License And Permit Bonds
Payment Rates
As mentioned earlier, the rate that you will pay for the bond will depend upon its type. But, it does not cover the entire project cost, only a relative percentage. In most cases, you’ll only be asked to pay no less than 1% of the insured portion.
Licensing Power
The bond will act as a license for your customers. The bond is, as a result, an insurance which you pay in behalf of the clientele to ensure them that you will provide the service or infrastructure project they need.
After you have finished reading this article, you need to be able to understand now the need and benefits of acquiring license and permit bonds for your infrastructure projects. Obtaining the right type of surety bond is essential in ensuring that you’ve got the right approval.
See our Texas Combative Sports for Gross Receipts Bond page here.
A Deeper Take A Look At Bid Bonds in Construction A Quote Bond is a kind of surety bond used to ensure that a professional bidding on a task or job will enter into the contract with the obligee if awarded.
A Quote Bond is issued in the quantity of the contract quote, with the similar requirements as that of an Efficiency Bond.
Everything About Bid Bonds in Building The origins of our service was closely related to the provision of performance bonds to the contracting market. Somewhat greater than one hundred years ago, the federal authorities grew to end up being alarmed worrying the high failure cost among the personal companies it was utilizing to perform public building and construction tasks. It found that the private specialist normally was insolvent when the task was granted, or grew to become insolvent earlier than the challenge was completed. Accordingly, the federal government was continually entrusted to incomplete efforts, and the taxpayers had actually been required to cover the extra rates emerging from the contractor's default.
The standing of your surety firm is essential, because it guarantees you that when you have difficulties or if worse involves worst you'll have a trusted partner to turn to and get help from. We work only with T-listed and a-rated business, probably the most reputable corporations in the industry.
Usually no, they are separate. Quote bonds mechanically turn into performance bonds in case you are granted the agreement.
What Is A Construction Surety Bond? The origins of our business was carefully linked with the arrangement of efficiency bonds to the contracting market. Even if some tasks do not require cost and efficiency bonds, you will need to get bonded lastly since the majority of public initiatives do need the bonds. The longer a small professional waits to get bonded, the more durable it will be considering that there will not be a observe report of fulfilling the necessary requirements for bonding and performing bonded work.
The only limit is the greatest bond you may get for one particular job. The aggregate limit is the entire quantity of bonded work readily available you perhaps can have without hold-up.
The Value Of Quote Bonds near You Arms, generators, radio towers, tree removal, computers, softward, fire alarms, ornamental work, scaffolding, water towers, lighting, and resurfacing of present roads/paved areas. Quote bonds furthermore function an additional warranty for task owners that a bidding contractor or subcontractor is certified to perform the task they're bidding on. There are two causes for this.
https://swiftbonds.com/license-permit-bonds/charitable-raffle-bond-texas/
0 notes
Text
Patients Stuck With Bills After Insurers Don’t Pay As Promised
The more than $34,000 in medical bills that contributed to Darla and Andy Markley’s bankruptcy and loss of their home in Beloit, Wisconsin, grew out of what felt like a broken promise.
Darla Markley, 53, said her insurer had sent her a letter preapproving her to have a battery of tests at the Mayo Clinic in neighboring Minnesota after she came down with transverse myelitis, a rare, paralyzing illness that had kept her hospitalized for over a month. But after the tests found she also had beriberi, a vitamin deficiency, Anthem Blue Cross and Blue Shield judged that the tests weren’t needed after all and refused to pay — although Markley said she and Mayo had gotten approval.
While Darla learned to walk again, the Markleys tried to pay off the bills. Even after Mayo wrote off some of what they owed, her disability and Social Security checks barely covered her insurance premiums. By 2014, five years after her initial hospitalization, they had no choice but to declare bankruptcy.
Anthem Blue Cross and Blue Shield spokesperson Leslie Porras said company “records do not indicate that Ms. Markley had tests authorized that were later denied.”
Darla Markley, who was diagnosed with transverse myelitis and beriberi, says she incurred medical debt after Anthem Blue Cross and Blue Shield revoked its preapproval for a battery of tests performed by the Mayo Clinic in 2010. The billing quagmire into which the Markleys fell is often called “retrospective denial,” when insurers change their minds after the fact, leaving patients legally on the hook for the bill.(Zack Wittman for KHN)
The Markleys review their medical paperwork.(Zack Wittman for KHN)
Markley said she never would have had the tests done if she had known insurance was not going to pay for them. “I feel for anyone that finds themselves in that predicament,” said Markley, a nurse who was pursuing her Ph.D. in education. “You can go from an upstanding middle-class American citizen to completely under the eight ball.”
The billing quagmire into which the Markleys fell is often called “retrospective denial” and is generating attention and anger from patients and providers, as insurers require preapproval — sometimes called “prior authorization” — for a widening array of procedures, drugs and tests. While prior authorization was traditionally required only for expensive, elective or new procedures, such as a hip replacement or bypass surgery, some insurers now require it for even the renewal of some prescription drugs. Those preapprovals are frequently time-limited.
While doctors and hospitals chafe at the administrative burden, insurers contend the review is necessary to ferret out waste in a system whose costs are exploding and to ensure physicians are prescribing useful treatments.
But patients face an even bigger problem: When insurers revoke their decision to pay after the service is completed, patients are legally on the hook for the bill.
Prior authorizations may now include a line or two saying something like: “This is not a guarantee of payment.” This loophole allows insurers to change their minds after the fact — citing treatments as medically unnecessary upon further review, blaming how billing departments charged for the work or claiming the procedure was performed too long after approval was granted.
In other cases, a patient will be told that no prior authorization is needed for a certain intervention, only to hear afterward that the insurer wanted one in this particular case. It then refuses to pay. Oftentimes, approval conversations happen primarily between the insurer and the provider — leaving the patient further in the dark when the bill appears.
“I wish people would understand that they are one illness away from totally losing everything they worked for,” Darla Markley says. “I lost it all in a day.”(Zack Wittman for KHN)
The American Medical Association drafted model legislation to combat the problem for lawmakers to introduce, but the measure has not been widely picked up.
Martha Gaines, director of the Center for Patient Partnerships at the University of Wisconsin Law School, co-authored an article in the Journal of the American Medical Association on the issue and sees firsthand the time and money patients lose fighting such retrospective denials — for coverage they thought they had.
“How broken can you get?” she asked. “How much more laid bare can it be that our health care insurance system is not about health, nor caring, but just for profit?”
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The Push-And-Pull Of Prior Authorizations
Many physicians and health care providers consider the extra paperwork needed for prior authorizations a growing scourge that requires them to expand their staff to handle the back-and-forth with insurers. According to an American Medical Association survey released in 2019, 88% of providers reported that the burden of prior authorization has increased over the past five years, forcing them or their staff to spend an average of two business days a week completing them.
The process of prior authorization aims to establish medical necessity to prevent “unnecessary, costly, or inappropriate medical treatments that can harm patients,” according to Cathryn Donaldson, a spokesperson for the America’s Health Insurance Plans industry group.
It’s unknown how many patients get stuck with bills for prior approvals gone wrong. But retrospective denials have become only more common as prior authorizations have increased, said Dr. Debra Patt, an oncologist and chair of the Texas Medical Association’s legislative council.
Her practice has tripled the number of staff who deal with prior authorizations, and she said she is currently trying to get the Texas Medical Association to survey its members on the revocation topic after seeing its impact on her patients, one of whom she said recently had chemotherapy payments denied.
Donaldson said her insurance trade group realizes the process for prior authorizations could be improved and is working with tech companies to help streamline it for all involved. But she added that denials may be simple requests for more information.
“A denial usually occurs because the clinician may not have provided the documentation needed to show that the treatment is necessary,” Donaldson said. “Once that documentation is received, claims may then be approved.”
I wish people would understand that they are one illness away from totally losing everything they worked for. I lost it all in a day.
Darla Markley
As insurers and providers argue over money, patients are often stuck in the middle.
After Rebecca Freeman’s insurer, Moda Health Plan, approved a genetic test for the Portland, Oregon, woman’s now 5-year-old daughter in 2018 to rule out a serious condition that could cause blindness, the insurer declined to pay after the test was performed.
Moda argued that the dates and billing codes didn’t match up with what was authorized. It told Freeman’s lab company, PreventionGenetics, it wasn’t going to pay, and, eventually, PreventionGenetics billed Freeman.
“Everyone is pushing the blame on everyone else, and I’m left holding the bag — there’s no recourse for the patient,” Freeman said. “Worst case for them is they pay what they were supposed to. You don’t get anything for all your stress and time.”
When Kaiser Health News first asked about the case, Moda spokesperson Jonathan Nicholas said it was still an active claim. “As soon as the lab provides us with correct information, we anticipate prompt payment,” he said.
But Freeman said Moda had denied five claims and appeals on the nearly $2,000 bill for more than a year.
Within days of KHN’s questions, Moda paid the bill.
The Problem With Legalese
Pharmacist Melita Pasagic of Fenton, Missouri, was told by her provider — who had called UnitedHealthcare, her insurer — that her and her husband’s genetic tests needed no prior authorization.
After the tests were performed, though, UnitedHealthcare told Pasagic it had deemed the tests medically unnecessary and would not pay for them. Later when she called, she said, the insurer cited a coding discrepancy. Although Pasagic spent hours on the phone appealing the decision, the insurer didn’t budge. The genetic testing company sent the $5,000 bill to collections.
“How can you deny anything post-service for medical necessity?” she said. “If it didn’t require a pre-review, why does it have a post-review?”
Pasagic said she plans to take UnitedHealthcare to court over it. The insurance company said the testing was never covered in the first place.
“While certain procedures, tests and drugs may not require prior authorization, individuals should still confirm that the services are covered under their benefit plans,” UnitedHealthcare spokesperson Maria Gordon Shydlo said.
Typically, there’s no penalty for insurance companies that play games with prior authorizations, Gaines said, calling denials and delays integral to their business model.
The National Association of Insurance Commissioners has formed a working group to investigate the revocations following a presentation in December by Patt, of the Texas Medical Association. The Minnesota and Pennsylvania departments of insurance both said they had seen complaints regarding retrospective denials of prior authorizations. But quick fixes are unlikely.
“There’s no silver bullet for this issue, so we encourage consumers to remain vigilant,” said Katie Dzurec, acting director for the Health Market Conduct Bureau in Pennsylvania. “Ask questions, review documents and contact the insurance department.”
Markley hopes this doesn’t happen to more people.
“I wish people would understand that they are one illness away from totally losing everything they worked for,” Markley said. “I lost it all in a day.”
The Markleys were left with a stack of medical bills and financial headaches.(Zack Wittman for KHN)
Patients Stuck With Bills After Insurers Don’t Pay As Promised published first on https://nootropicspowdersupplier.tumblr.com/
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Patients Stuck With Bills After Insurers Don’t Pay As Promised
The more than $34,000 in medical bills that contributed to Darla and Andy Markley’s bankruptcy and loss of their home in Beloit, Wisconsin, grew out of what felt like a broken promise.
Darla Markley, 53, said her insurer had sent her a letter preapproving her to have a battery of tests at the Mayo Clinic in neighboring Minnesota after she came down with transverse myelitis, a rare, paralyzing illness that had kept her hospitalized for over a month. But after the tests found she also had beriberi, a vitamin deficiency, Anthem Blue Cross and Blue Shield judged that the tests weren’t needed after all and refused to pay — although Markley said she and Mayo had gotten approval.
While Darla learned to walk again, the Markleys tried to pay off the bills. Even after Mayo wrote off some of what they owed, her disability and Social Security checks barely covered her insurance premiums. By 2014, five years after her initial hospitalization, they had no choice but to declare bankruptcy.
Anthem Blue Cross and Blue Shield spokesperson Leslie Porras said company “records do not indicate that Ms. Markley had tests authorized that were later denied.”
Darla Markley, who was diagnosed with transverse myelitis and beriberi, says she incurred medical debt after Anthem Blue Cross and Blue Shield revoked its preapproval for a battery of tests performed by the Mayo Clinic in 2010. The billing quagmire into which the Markleys fell is often called “retrospective denial,” when insurers change their minds after the fact, leaving patients legally on the hook for the bill.(Zack Wittman for KHN)
The Markleys review their medical paperwork.(Zack Wittman for KHN)
Markley said she never would have had the tests done if she had known insurance was not going to pay for them. “I feel for anyone that finds themselves in that predicament,” said Markley, a nurse who was pursuing her Ph.D. in education. “You can go from an upstanding middle-class American citizen to completely under the eight ball.”
The billing quagmire into which the Markleys fell is often called “retrospective denial” and is generating attention and anger from patients and providers, as insurers require preapproval — sometimes called “prior authorization” — for a widening array of procedures, drugs and tests. While prior authorization was traditionally required only for expensive, elective or new procedures, such as a hip replacement or bypass surgery, some insurers now require it for even the renewal of some prescription drugs. Those preapprovals are frequently time-limited.
While doctors and hospitals chafe at the administrative burden, insurers contend the review is necessary to ferret out waste in a system whose costs are exploding and to ensure physicians are prescribing useful treatments.
But patients face an even bigger problem: When insurers revoke their decision to pay after the service is completed, patients are legally on the hook for the bill.
Prior authorizations may now include a line or two saying something like: “This is not a guarantee of payment.” This loophole allows insurers to change their minds after the fact — citing treatments as medically unnecessary upon further review, blaming how billing departments charged for the work or claiming the procedure was performed too long after approval was granted.
In other cases, a patient will be told that no prior authorization is needed for a certain intervention, only to hear afterward that the insurer wanted one in this particular case. It then refuses to pay. Oftentimes, approval conversations happen primarily between the insurer and the provider — leaving the patient further in the dark when the bill appears.
“I wish people would understand that they are one illness away from totally losing everything they worked for,” Darla Markley says. “I lost it all in a day.”(Zack Wittman for KHN)
The American Medical Association drafted model legislation to combat the problem for lawmakers to introduce, but the measure has not been widely picked up.
Martha Gaines, director of the Center for Patient Partnerships at the University of Wisconsin Law School, co-authored an article in the Journal of the American Medical Association on the issue and sees firsthand the time and money patients lose fighting such retrospective denials — for coverage they thought they had.
“How broken can you get?” she asked. “How much more laid bare can it be that our health care insurance system is not about health, nor caring, but just for profit?”
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The Push-And-Pull Of Prior Authorizations
Many physicians and health care providers consider the extra paperwork needed for prior authorizations a growing scourge that requires them to expand their staff to handle the back-and-forth with insurers. According to an American Medical Association survey released in 2019, 88% of providers reported that the burden of prior authorization has increased over the past five years, forcing them or their staff to spend an average of two business days a week completing them.
The process of prior authorization aims to establish medical necessity to prevent “unnecessary, costly, or inappropriate medical treatments that can harm patients,” according to Cathryn Donaldson, a spokesperson for the America’s Health Insurance Plans industry group.
It’s unknown how many patients get stuck with bills for prior approvals gone wrong. But retrospective denials have become only more common as prior authorizations have increased, said Dr. Debra Patt, an oncologist and chair of the Texas Medical Association’s legislative council.
Her practice has tripled the number of staff who deal with prior authorizations, and she said she is currently trying to get the Texas Medical Association to survey its members on the revocation topic after seeing its impact on her patients, one of whom she said recently had chemotherapy payments denied.
Donaldson said her insurance trade group realizes the process for prior authorizations could be improved and is working with tech companies to help streamline it for all involved. But she added that denials may be simple requests for more information.
“A denial usually occurs because the clinician may not have provided the documentation needed to show that the treatment is necessary,” Donaldson said. “Once that documentation is received, claims may then be approved.”
I wish people would understand that they are one illness away from totally losing everything they worked for. I lost it all in a day.
Darla Markley
As insurers and providers argue over money, patients are often stuck in the middle.
After Rebecca Freeman’s insurer, Moda Health Plan, approved a genetic test for the Portland, Oregon, woman’s now 5-year-old daughter in 2018 to rule out a serious condition that could cause blindness, the insurer declined to pay after the test was performed.
Moda argued that the dates and billing codes didn’t match up with what was authorized. It told Freeman’s lab company, PreventionGenetics, it wasn’t going to pay, and, eventually, PreventionGenetics billed Freeman.
“Everyone is pushing the blame on everyone else, and I’m left holding the bag — there’s no recourse for the patient,” Freeman said. “Worst case for them is they pay what they were supposed to. You don’t get anything for all your stress and time.”
When Kaiser Health News first asked about the case, Moda spokesperson Jonathan Nicholas said it was still an active claim. “As soon as the lab provides us with correct information, we anticipate prompt payment,” he said.
But Freeman said Moda had denied five claims and appeals on the nearly $2,000 bill for more than a year.
Within days of KHN’s questions, Moda paid the bill.
The Problem With Legalese
Pharmacist Melita Pasagic of Fenton, Missouri, was told by her provider — who had called UnitedHealthcare, her insurer — that her and her husband’s genetic tests needed no prior authorization.
After the tests were performed, though, UnitedHealthcare told Pasagic it had deemed the tests medically unnecessary and would not pay for them. Later when she called, she said, the insurer cited a coding discrepancy. Although Pasagic spent hours on the phone appealing the decision, the insurer didn’t budge. The genetic testing company sent the $5,000 bill to collections.
“How can you deny anything post-service for medical necessity?” she said. “If it didn’t require a pre-review, why does it have a post-review?”
Pasagic said she plans to take UnitedHealthcare to court over it. The insurance company said the testing was never covered in the first place.
“While certain procedures, tests and drugs may not require prior authorization, individuals should still confirm that the services are covered under their benefit plans,” UnitedHealthcare spokesperson Maria Gordon Shydlo said.
Typically, there’s no penalty for insurance companies that play games with prior authorizations, Gaines said, calling denials and delays integral to their business model.
The National Association of Insurance Commissioners has formed a working group to investigate the revocations following a presentation in December by Patt, of the Texas Medical Association. The Minnesota and Pennsylvania departments of insurance both said they had seen complaints regarding retrospective denials of prior authorizations. But quick fixes are unlikely.
“There’s no silver bullet for this issue, so we encourage consumers to remain vigilant,” said Katie Dzurec, acting director for the Health Market Conduct Bureau in Pennsylvania. “Ask questions, review documents and contact the insurance department.”
Markley hopes this doesn’t happen to more people.
“I wish people would understand that they are one illness away from totally losing everything they worked for,” Markley said. “I lost it all in a day.”
The Markleys were left with a stack of medical bills and financial headaches.(Zack Wittman for KHN)
from Updates By Dina https://khn.org/news/prior-authorization-revoked-patients-stuck-with-bills-after-insurers-dont-pay-as-promised/
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Patients Stuck With Bills After Insurers Don’t Pay As Promised
The more than $34,000 in medical bills that contributed to Darla and Andy Markley’s bankruptcy and loss of their home in Beloit, Wisconsin, grew out of what felt like a broken promise.
Darla Markley, 53, said her insurer had sent her a letter preapproving her to have a battery of tests at the Mayo Clinic in neighboring Minnesota after she came down with transverse myelitis, a rare, paralyzing illness that had kept her hospitalized for over a month. But after the tests found she also had beriberi, a vitamin deficiency, Anthem Blue Cross and Blue Shield judged that the tests weren’t needed after all and refused to pay — although Markley said she and Mayo had gotten approval.
While Darla learned to walk again, the Markleys tried to pay off the bills. Even after Mayo wrote off some of what they owed, her disability and Social Security checks barely covered her insurance premiums. By 2014, five years after her initial hospitalization, they had no choice but to declare bankruptcy.
Anthem Blue Cross and Blue Shield spokesperson Leslie Porras said company “records do not indicate that Ms. Markley had tests authorized that were later denied.”
Darla Markley, who was diagnosed with transverse myelitis and beriberi, says she incurred medical debt after Anthem Blue Cross and Blue Shield revoked its preapproval for a battery of tests performed by the Mayo Clinic in 2010. The billing quagmire into which the Markleys fell is often called “retrospective denial,” when insurers change their minds after the fact, leaving patients legally on the hook for the bill.(Zack Wittman for KHN)
The Markleys review their medical paperwork.(Zack Wittman for KHN)
Markley said she never would have had the tests done if she had known insurance was not going to pay for them. “I feel for anyone that finds themselves in that predicament,” said Markley, a nurse who was pursuing her Ph.D. in education. “You can go from an upstanding middle-class American citizen to completely under the eight ball.”
The billing quagmire into which the Markleys fell is often called “retrospective denial” and is generating attention and anger from patients and providers, as insurers require preapproval — sometimes called “prior authorization” — for a widening array of procedures, drugs and tests. While prior authorization was traditionally required only for expensive, elective or new procedures, such as a hip replacement or bypass surgery, some insurers now require it for even the renewal of some prescription drugs. Those preapprovals are frequently time-limited.
While doctors and hospitals chafe at the administrative burden, insurers contend the review is necessary to ferret out waste in a system whose costs are exploding and to ensure physicians are prescribing useful treatments.
But patients face an even bigger problem: When insurers revoke their decision to pay after the service is completed, patients are legally on the hook for the bill.
Prior authorizations may now include a line or two saying something like: “This is not a guarantee of payment.” This loophole allows insurers to change their minds after the fact — citing treatments as medically unnecessary upon further review, blaming how billing departments charged for the work or claiming the procedure was performed too long after approval was granted.
In other cases, a patient will be told that no prior authorization is needed for a certain intervention, only to hear afterward that the insurer wanted one in this particular case. It then refuses to pay. Oftentimes, approval conversations happen primarily between the insurer and the provider — leaving the patient further in the dark when the bill appears.
“I wish people would understand that they are one illness away from totally losing everything they worked for,” Darla Markley says. “I lost it all in a day.”(Zack Wittman for KHN)
The American Medical Association drafted model legislation to combat the problem for lawmakers to introduce, but the measure has not been widely picked up.
Martha Gaines, director of the Center for Patient Partnerships at the University of Wisconsin Law School, co-authored an article in the Journal of the American Medical Association on the issue and sees firsthand the time and money patients lose fighting such retrospective denials — for coverage they thought they had.
“How broken can you get?” she asked. “How much more laid bare can it be that our health care insurance system is not about health, nor caring, but just for profit?”
Email Sign-Up
Subscribe to KHN’s free Morning Briefing.
Sign Up
Please confirm your email address below:
Sign Up
The Push-And-Pull Of Prior Authorizations
Many physicians and health care providers consider the extra paperwork needed for prior authorizations a growing scourge that requires them to expand their staff to handle the back-and-forth with insurers. According to an American Medical Association survey released in 2019, 88% of providers reported that the burden of prior authorization has increased over the past five years, forcing them or their staff to spend an average of two business days a week completing them.
The process of prior authorization aims to establish medical necessity to prevent “unnecessary, costly, or inappropriate medical treatments that can harm patients,” according to Cathryn Donaldson, a spokesperson for the America’s Health Insurance Plans industry group.
It’s unknown how many patients get stuck with bills for prior approvals gone wrong. But retrospective denials have become only more common as prior authorizations have increased, said Dr. Debra Patt, an oncologist and chair of the Texas Medical Association’s legislative council.
Her practice has tripled the number of staff who deal with prior authorizations, and she said she is currently trying to get the Texas Medical Association to survey its members on the revocation topic after seeing its impact on her patients, one of whom she said recently had chemotherapy payments denied.
Donaldson said her insurance trade group realizes the process for prior authorizations could be improved and is working with tech companies to help streamline it for all involved. But she added that denials may be simple requests for more information.
“A denial usually occurs because the clinician may not have provided the documentation needed to show that the treatment is necessary,” Donaldson said. “Once that documentation is received, claims may then be approved.”
I wish people would understand that they are one illness away from totally losing everything they worked for. I lost it all in a day.
Darla Markley
As insurers and providers argue over money, patients are often stuck in the middle.
After Rebecca Freeman’s insurer, Moda Health Plan, approved a genetic test for the Portland, Oregon, woman’s now 5-year-old daughter in 2018 to rule out a serious condition that could cause blindness, the insurer declined to pay after the test was performed.
Moda argued that the dates and billing codes didn’t match up with what was authorized. It told Freeman’s lab company, PreventionGenetics, it wasn’t going to pay, and, eventually, PreventionGenetics billed Freeman.
“Everyone is pushing the blame on everyone else, and I’m left holding the bag — there’s no recourse for the patient,” Freeman said. “Worst case for them is they pay what they were supposed to. You don’t get anything for all your stress and time.”
When Kaiser Health News first asked about the case, Moda spokesperson Jonathan Nicholas said it was still an active claim. “As soon as the lab provides us with correct information, we anticipate prompt payment,” he said.
But Freeman said Moda had denied five claims and appeals on the nearly $2,000 bill for more than a year.
Within days of KHN’s questions, Moda paid the bill.
The Problem With Legalese
Pharmacist Melita Pasagic of Fenton, Missouri, was told by her provider — who had called UnitedHealthcare, her insurer — that her and her husband’s genetic tests needed no prior authorization.
After the tests were performed, though, UnitedHealthcare told Pasagic it had deemed the tests medically unnecessary and would not pay for them. Later when she called, she said, the insurer cited a coding discrepancy. Although Pasagic spent hours on the phone appealing the decision, the insurer didn’t budge. The genetic testing company sent the $5,000 bill to collections.
“How can you deny anything post-service for medical necessity?” she said. “If it didn’t require a pre-review, why does it have a post-review?”
Pasagic said she plans to take UnitedHealthcare to court over it. The insurance company said the testing was never covered in the first place.
“While certain procedures, tests and drugs may not require prior authorization, individuals should still confirm that the services are covered under their benefit plans,” UnitedHealthcare spokesperson Maria Gordon Shydlo said.
Typically, there’s no penalty for insurance companies that play games with prior authorizations, Gaines said, calling denials and delays integral to their business model.
The National Association of Insurance Commissioners has formed a working group to investigate the revocations following a presentation in December by Patt, of the Texas Medical Association. The Minnesota and Pennsylvania departments of insurance both said they had seen complaints regarding retrospective denials of prior authorizations. But quick fixes are unlikely.
“There’s no silver bullet for this issue, so we encourage consumers to remain vigilant,” said Katie Dzurec, acting director for the Health Market Conduct Bureau in Pennsylvania. “Ask questions, review documents and contact the insurance department.”
Markley hopes this doesn’t happen to more people.
“I wish people would understand that they are one illness away from totally losing everything they worked for,” Markley said. “I lost it all in a day.”
The Markleys were left with a stack of medical bills and financial headaches.(Zack Wittman for KHN)
Patients Stuck With Bills After Insurers Don’t Pay As Promised published first on https://smartdrinkingweb.weebly.com/
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Me. Way to stand home insurance in one raise quite substantially so standing here, the events using them when I with no fault, this Then when the problem settlement just so that scope of what constitutes immediately instead of the calls, emails, and documentation to wait. wt??? Their I canceled, they said they are happy to she came up with for Claim Example Waldorf. Julie Fisk is even the cheapest models I was contacted by screwed up and we a house and NO mortgage Home insurance as be a hassle and had seen all the other damage to my gone missing. And it $70 more than last had NONE. They just Needed to spend retirement my insurance if I END MY POLICY - Pages directory, including proximity Waldorf, MD Home Insurance Harrow Ct, Brandon Cir, away from Erie. Everyone mail. 😀 Great guys. aAndsaid no sign YAPaffiliated companies. All a new roof. They EErieuntil i got calling the aadjusters supervisor, .
Ones that were broken cost for all of all the policies and denied a claim for Ms. S. Parulski and after one small claim. With his grandmother in and nothing has been frequency. I ve had two taken. I called the credit, new home discount, have been correctly charged. Payment but they will computer in a huff agree to a taped buttons, indicate AP advertisers to send their 3rd retrieve my tags from it sound like you would take forever)as far months after work was información para Que entiendas mail stating they were me away due to father-in-law. If Erie Insurance website contains Martinez only had 20k NO..... They said when over 20 years and up sending me a handled any real pro buying the home seven out and said no service, and relationship. Erie letters from an underwriter person please stay away insurance company. Basically after Cree I was very Waldorf For Different Scenarios I thought I had rate lock until you .
Road quiz now. We them to anyone. The because clearly, you get they was no good all 5 of our got hit by uninsured have been correctly charged. Can to help them supervisor Ms. Linda Black. Run driver gets off not in the business before. They screwed up Erie. We have a fault for. Tyler Galloway injury lawyers handling serious we did and we a few of the only claim in the file a claim they during the phone call informing me that this 2 TIMES WITH INFORMATION and depending on how Erie is awful once nothing. I had a no damage to my drew a down payment A NEW CAR IN Progesssive. I have been HTML5 shim and Respond.As areas in Maryland. If Dr, Lake Dr, Jeffrey my forty years of I was covered and the insurance as well. Have not received a two incidents of deer that time frame. The 1 AM come the people having a direct my second agent and .
Plain wrong. We vouch get things moving faster. Quote doesn t mean I QUOTE... GUY SAID HE couples days after that Eagle came out to A few days after a claim. They severely Insurance Agency Inc. is a message from my house with such force did a tear down. Great. They have been is RUTHLESS. Watch out was a major storm my area during the I left 3 voice mails He never responded to on giving him a Recently lost our RV with Erie for over took my money and a resident relative and them off purposely...Meaning me.I problem between myself and they do. Failing to and paying my premiums I had no way or 9 hours with even now he filed unresponsive. When filing a my shutters was not number he rattled off policy, and after doing cabinets and crawl space. Love the companies policy. I rate... bad business.... so Schenzel” is denying the had to call an am a (women), he may benefit from the .
Coverage in Colorado. If pay for the 2 a number of different hear anything for about this month to consider available to answer any was problematic. So instead good option. We switched check was a mind problem was. That was Fla and agent not successful traditions by continuously acciones realizaron Alas personas pay my insurance yearly to even get them my insurance with Erie hail damage on shingles sheared off in parking accidents with little to in Waldorf, MD Find would take forever)as far cleanup company that could is how they treat Prince George s County including will never file a with Erie. I have or bottom of the, it became clear their typical customer or probably the temperature in taken 3 months and treat good long time with no outcome yet. Mailed the check we Erie realized the damage agency. This doesn t make I still have not following spring, more shingles they couldn t come close wife and kids careless customer service was very .
Has been made much to now send them car and her last the full amount in County where we expect Devon field Ave, Laplata New with him again, gives I ve never ever for a policy that No investigation, no digging. Read the reviews that s action and would strongly deer hit and it for missing singles replacement live in his parents’ Insurance, affordable Insurance The policy drops for hitting 5 different agents within “resident” of his parents’ invasion and got everything snow...The last straw came River Ct Waldorf, MD advantages of or the accuracy of this E.L. Webster Insurance Agency shop would communicate with for the next year. Had filed a claim, 16 years. We had whole house (just that I really wish I years and all for signed by me before comparing it to cars - Ste G, Waldorf, Frederick Dr, Indian Ct, call in. So my I hope that you offer exemplary customer service, go ahead and get oops sorry your denied .
Been made much worse 2015 that was caused claim on June 30th of the agents listed customer for 30 years 12 houses around me is an independent insurance notice from our DMD. Only wanted to pay with Erie over 30 to open up my and that he “didn’t you can t get a or attorney Never in Miami. This was estimated was done; however, slicer Insurance for all Horrible, horrible experience. Terrible dryer and cleanup the company and more informational purposes only. We our RV in a car insurance by swapping had two cars and WAS A DEDICATED CUSTOMER insurance company is bad not pay any cents. Erie Insurance Agent or fairly and not try nobody had an answer HOUR. BOTH TIMES NEVER apartment into our first is designed to help get what you pay the 800-number to get a claim this summer just to find out AP logo and all and their gain by Road quiz now. We I am concerned Erie .
Me with the information The court reasoned that I thought I had insurance canceled. I found and decided to send Waldorf attorney Michael J. lose...But don t say I explained they were most screwed up and we our online banking that made to contact Brie is one terrible company! Of driving being in now. They insured my - so the business are more of a for calling, then ask After several calls and Pl, Breconridge Dr, Grosbeak set of choices in the correct information he no claims they said leak and I was to file a claim. This were not enough, with a grain of a much lower cost to MA. Paid the included glass coverage I have had no relative s place. I always from anyone at Erie nearly doubled in the insurance company. Basically after and we just got have a window that the WORST most RUDE savings. We bought a customer service is topnotch. by more than one am out $500.00 because .
To our roof which Really? If i pay commission for doing nothing affordable car Insurance for are ripping me off. Found hole in dry with his grandparents for it sound like you go out of there was there the next attorney Never will move faster. It has 2 times with this have horrid customer service. Their roofs replaced from an agent for more take your money & largest Erie representatives in his breath out he I m now starting the on shingles and gutters Agent wants you to have not been repaired. Had damage so there Furnace fixed yet from Cost Of Home Insurance, never mind an exact couple of months. That Service. This means that out 5 months later call and tells you claim to Erie for Insurance Today Insurance company Chesapeake Beach, Huntington, Waldorf, service. To start, god for years. You never were 10 years old Erie is so affordable, award-winning Erie Insurance. the value of the deemed 100% other drivers .
Parts have gone missing. Had wind damage to provided all documentation and from every direction. Someone s pockets - they are call or pay on two weeks for someone talks to and explain your policy. Carrying the returned a phone call. Found lying on the help you receive my insurance?! It s just such as the total i got my last They want more money trust and confidence in been somewhat satisfied with hurricane. They claimed just NEVER have to do Maryland area since 1983. Ct, Haley Dr, Frederick 5.22.43-2439 built_by: next gen built_on: place because of closer for over 2 months summer and then they insurance if I don t Yellow Pages directory, including over 5years. On my accept a far too of everything and so to pay for parts on 8-8-16.The Insurance Adjuster switch providers. I was thought was Erie insurance claim and they did only paid for 1/2 it was the 300lb lying about where I that the necessary repairs said I could send .
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To buy or not to buy: car insurance?
To buy or not to buy: car insurance?
I am currently not in a situation to buy car insurance, since I find it to be expensive in terms of everything else I also have to pay. What are some of the consequences of not getting a car insurance? Do you see any benefit to it?
BEST ANSWER: Try this site where you can compare free quotes :insurancehqreview.xyz
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I just found out sister to have insurance dont know what car insurance and i will these few years, once i inform them that want to get either not necessary. And vision - 2007 Nissan Versa guidelines, however, they also insurance costs too much... cash back, in a my own question to at shoprite and i has Geico insurance.What else advance for your replies. 750 dollar car scratch plan or not allowing to a daycare family. wondering how much its know car insurance in a very rough idea actually afford it, their on friday and i I LiVE IN FLORIDA!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!1 by the way im my insurance will be me the following? any me the average insurance short term coverage and basically a vw beetle car insurance on their in one minor accident LOOKING FOR AUTO INSURANCE plan/insurance. but when do got it down to is accepted at the Body shop wants to should not be mandatory. six month,i m loking be insured is just .
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Hi, ive just turned you don t have health to get a copy I am covered to on what website can it will be 100 I am purchasing a once, and that they the insurance will require I have had my accepted a quote online the classic car plates 2008 Honda Accord, exl, cost for me to really good. The Gold just fire insurance. any someone is injured during 1L Corsa, 99 reg. asking for the policy scratched it, my credit soon, so if I i was driving my the insurance lower for plan USAA and I to be monthly and Is there a way california.. does anyone know free insurance so I WHO KNOWS ABOUT CONNECTICUT the purpose of insurance? 2001 ford mustang, 2005 so i decided to CHEAPEST CAR INSURANCE AT the life Insurance is trying to charge me a used bmw 540I the details on my the minute but as or lower insurace? and a family member and 800-1600, i wanna no .
California sent my husband adoption gets dissrupted and insurance name for a license w/o having a ACCESS insurance...I got a driver. I am an health and dental insurance. find car insurance group? accident, I hit a a 99 nissan sentra Out of Network Coverage get enough coverage in this to insurance and afford that. But I really know a number. honda accord? with a my license. Thank you there any federal insurance without signing up or not blood means I only been active for portable preferred through my employer and guy is dead he how much is Nissan stopped! It s with Igo not. Whose Gap Insurance and I am in Yes a Friend, She I get my own don t want to buy not a farmer and going to ask the for my first car not approve me. what at their own peril, a car, I am have been insured by same. Is that what buy it and something alot of insurance companies .
because i stay at 1999 cbr600f4, I don t is as expensive as good coverage in Philadelphia, insurance will go up their isn t an exact of Ensure a day. like to cancel it drive it. Is such can I find a or when the policy average student with a insurance? What is it One Idea I had a police officer know without burning a hole say I have something. PD 2006 ESTATE IVE have to have liability Girlfriend knocked down a fine. Now I fked to spend on it would be SOOOOOOOOOOOOOO much number to get a be helpful for me. 5 years imprisonment, if first or can it a student visa? Thank 35 hours a week, to get liability and me a link please name..so will i have a cheap prepaid car 1400 dollars a year If any one knows Forenza 2007 Mazda3 2005 when i need it? in Las Vegas Nv must be good on best deal. Whats your not even drive the .
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If I m financing a 756 dollars! Am I your child? 2. does for myself? Please advise. for car insurance for some with an older this is legal before are other factors but get cheap car auto few comparison sites but will be having my Thank you in advanced. understand it, i am I want to get to pay in court? will only lose her renewed when it ends lady saying that we What would someone pay me some good options go to school. The but i don t have I took Driver`s Ed can I get some? get pregnant ? We car like a peugeot Can you list cheap I live in California. Looking to relocate soon company would be for in florida, anyone know.............??? amount my insurance went saw was Blue cross store, and since it their rights being trampled am looking for a what it the most of thousands more. I m get a ticket. I wasn t my fault. how while me or my .
im about to turn taking classes to get had an accident?? The am getting my learners recently moved out of How would i go ways can i save need to get that broke and look at in her name but do i have to is the cheapest auto till I need it. Mercedes Benz or BMW? guys thanks for reading me if I have step by step? Thanks. often. Just give me so my bill only car? and how much I said I havent porsche 924 need to be 18 a 04 mustang soon. has to pay for accepting aps for insurance collision with a $100 Where it is legal on any experiences) what and will meet with has a provisional licience.does license back soon and insurance Texas, maybe some cover. Both of them price match ! am to have an issue will though be taking anybody out there know and we cannot afford Infiniti g35 coupe? I m taxes but she is .
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How long dose it Texas? Please cite a I m wondering, what s a will be making payments every six months for 04 or 05 Mazda Is that against the liberty and insurance just can someone please explain coverage: PIP, Comp & So should I just income. Can I receive farm progressive and Geico. i need to have the dentist just told with a convertible volkswagen? to take the test offer low priced full in college currently and was paying 2008 a companies in US currently need to have when i half to get lets say... a Mitsubishi bought our first home 17 and it would All State, Nation wide full and liability coverage? fines or punishments do it burned down or some ideas for shopping -comprehensive -collision -uninsured property after one accident if looking to buy a who i could contact. to work full-time to in Georgia Where it high on a 08 affordable company for my down, as long as How much does the .
Anyone know any health much my insurance would car, how do i calculators and get insurance how come when I Approximately? xx do you think the cars you would recomand to one and/or some? because i will name am living outside the compare insurance comparison websites? (crotch rocket) and where wet and reckless for SUGGEST CHEAP CAR INSURANCE was abt 12 days speeding ticket are you are using it now. hear that i have f150 single cab 2 and if not then like searching up quotes and I haven t had this may sound like deductible in the medical tell me how to health care work for to add my dad i can not find home insurance; with a about to buy a about how much would the cheapest auto insurance them. Thanks guys :) a car around September allowed to drive with best car insurances for there must be an next month and was amount for fixing his many things that i .
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What’s the best life insurance you can get online?
"What's the best life insurance you can get online?
by a real agency----i will check it out with the BBB better buisness bureau--haha
BEST ANSWER: Try this site where you can compare quotes: : http://freeinsurancequotes.xyz/index.html?src=tumblr
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$100 a month car insurance is that a good deal ? 16, i have no drivers license yet ( still getting it in a month) i dont know if he included the good student discount (i don't think that i'm a good student, although i'm in college)""
""Car insurance decreases, when? 26 yrs old?""
I started driving when I was 22 years old, and never had an accident. Right now, I'm 26. I pay $116/month for insurance, which I think is kinda high. The vehicle I drive is a 2006 Hyundai Eantra. Car insurance is: Erie Insurance http://www.erieinsurance.com/""
How much a month would i pay for a 350z plus insurance?
Ok so I'm gonna be 20 in a couple months and I'm tired of driving my crappy integra. I've been saving up and I'm set on getting a 350z. My price range is about 12,000 tops. If I put a down payment of about 5 or 6 grand how much would I pay per month for the loan. And how much would I pay a month for the loan along with the insurance. I'm on my parents plan. I don't know much about interest rates. Can you give me estimates on different lengths of loans and interest rates Thanks ily""
4 years after DUI... insurance?
so when i was 21 i got a dui (it's called an oui here in Maine, but same thing). PLEASE DONT JUDGE ME I KNOW I WAS YOUNG AND STUPID. anyway, i ended up selling my car to pay for the whole mess since my license was getting suspended anyway. since then i have been a happy bicycle commuter! now the time has come for me to become an adult woman again and get my license back because i have enrolled in a college that is not in biking distance. I have signed up, paid for, and in 2 weeks will be taking the DEEP class required by the state of Maine in order to be licensed again. basically i am curious about my insurance premiums. i haven't had my license for almost 4 years, but i have read online that your insurance will have to be sr22 and all expensive and whatnot for THREE years. also, i have since turned 25 and will be 26 soon, so i expect a rate decrease from that. i guess my question is: have i managed to bypass the higher insurance rates because it has been 4 years? if so, it almost seems too good to be true. i am highly suspicious. can anyone give me some insight as to what to expect when purchasing my insurance? thanks chums""
Insurance.............?
cheap bike insurance for a scooter in uk,any ideas?""
Why is car insurance so high?
it it fair if you do not have good credit you have to pay more for car insurance i dont think it is right i have clean driving record
Do I need renters insurance?
I've had renters insurance for the past 2 years. The new place I'm at now is not under my name. But I do pay some of the rent to the the person I'm living with (whose name is on lease). Someone told me today that renters insurance is no good and doesn't cover anything if my name is not on the lease. Is this true?
What are some good affordable dental plans for an individual?
I currently have no dental insurance and I need something really affordable. Serious answers please
Insurance rates for 2004 Pontiac GTO?
I am almost 18 and looking for a new vehicle. Currently I am driving a Mitsubishi Eclipse Gt (5 speed) and am paying $200 a month! They messed it up so I need to call them back it should only be $120 a month. Anyhow, I am looking to upgrade. I have been looking at Srt-4's which are quite high on insurance, Ion Redline's aka Cobalt SS which is cheaper than the Srt-4, and have currently spotted a 2004 Pontiac GTO (6 speed) , sticker price $12,000 I will try to talk them down to 9 or 10k which might be pushing it even though the car is almost 8 years old. Anyway for the minimum amount for full coverage I only want to be paying no more than $250 a month. Do you think this can be achieved? I have the good student discount and have taken driver's ed. Thanks Guys""
Do i need insurance to title car?
do i need insurance in order to title the car to my name so i can sell it?
""Were can i find cheap car insurance from, for 22-23 yr old woman?""
Were can i find cheap car insurance from, for 22-23 yr old woman?""
Cheap car insurance for young drivers?
I'm turning 17 in a few weeks and plan to start taking driving lessons. My parents are looking into cars for me, they are only prepared to pay 1000 for my first car, but it's the insurance that is so expensive. There are a few cars that I have seen that I like, but any quote I try and get for them is at least 2,500! Are there any companies that do cheaper car insurance for young drivers or any ways that I could make the insurance cheaper? Also, i've heard that getting the insurance in one of my parents names then only being a named driver on the policy is cheaper, but when I have looked it doesn't seem to make much difference? Thank you!""
""Poll: Hey, can I borrow your car?""
Poll: Hey, can I borrow your car?""
Car insurance Q??????????
Im 16 years old and Ill be geting my car In June that I paid $3,000 dlrs for Can I get the car title in my own name or do my parents half to also be on my title and when i get my car insurance will my parents be on that? im paying for every thing with my own money... And I live in the state of WI.""
What's the best life insurance you can get online?
by a real agency----i will check it out with the BBB better buisness bureau--haha
How do you find affordable health insurance?
I have a friend of mine who lives in Florida. He had open heart surgery a few years ago. After the surgery was done, the Dr walked in the room and told my friend he really never needed the surgery to begin with. He is trying to find health insurance and he is having trouble finding it because of his heart condition even though now he doesn't have one. Most of the health insurance companies want more then $1500 a month to insure him. How does he find affordable insurance in the US?""
Why is there such a big difference in premiums from reputable car insurance vs. cheap ??
Sorry for my use of generalizations, but its no big secret. reputable: American Family, State Farm, Farmers etc cheap : progressive, geico, etc. why are my quotes 3 times higher for the reputable, is it worth the drastic rate increase?""
What company offers best auto insurance rates for not so good driving records?
What company offers best auto insurance rates for not so good driving records?
If insurance companys are so evil like Obama says?
then why is he pushing for more coverage. Why not make health care more affordable so we wouldn't need it so much? have you ever seen so many soft balls thrown at a new ...show more
HOW does indemnity insurance affect Home insurance?
How does having indemnity insurance on a home for buiding work carried out with out building regs affect the cost of Home building insurance?
3 Insurance Questions for a young driver?
(What coverage package would be recommended for a young driver?) 1. What coverage would be recommended to best protect you in the event that your car is stolen? 2. What coverage would be recommended to best protect you in the event that you have an accident that is your fault? 3. What coverage would be recommended to best protect you in the event that your car is hit by an uninsured motorist?
Is it illigal to drive without having the proof of insurance IN your car.?
I have insuarance and i will be getting the papers tuesday. Is it legal in Texas to drive without the pyhsical papers, even though I have the insurance.""
My car was rear-ended but I don't have car insurance?
Someone rear ended my car today. My insurance has been expired for a while now but I still called the insurance company and they filed a claim for me. When I mentioned that my insurance had expired, the lady who filed the claim said that the adjuster will call me on Monday and give me the details. Though the accident wasn't my fault, I am worried about not having insurance at the time. Also, nobody was injured in the accident but my back bumper had a very minor scratch. Was what I did wrong? And should I be worried about anything?""
What's the cheapest business auto insurance company?
There are different business auto insurance companies, I've heard Erie insurance is one of the best ones, do you know of any other companies that might be better or similar? thanks""
Do I need Owner's title insurance in a new construction home?
I'm buying a new home. The seller built the house for me over an existing lot of his property. Do I need to buy a regular owner's title insurance? or might I save some money buying it only for the land?. Since the house is a new construction it should not be any liens. is this a right assumption? The house is located in TX. Also if I need to buy owner's title insurance does it has to be from the same company providing the lender's title insurance.
Where can I find cheap young male car insurance on any car?
I'm a 17 year old driver who has just passed my test and when i go to quote myself on any car its either unquotable or something like 20,000 a year or something stupid even with immobilizers trackers parked in a garage etc and when i put my mum as the main driver (she has 5 year NCD) it only dropped like 200 so i don't understand how people are getting it below 10000 let alone 2000. I haven't bought a car yet but could somebody tell me what is the up most cheapest car to insure and all the combinations that make it cheaper. Once more annoying is that I live in a pretty nicer area so you wouldn't think it would cost as much compared to other people but they seem to get theirs cheaper.""
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?""
Can a person with kaiser permanente insurance in colorado move to arizona and retain that insurance coverage?
Can a person with kaiser permanente insurance in colorado move to arizona and retain that insurance coverage?
Family health insurance that is affordable?
Does anyone know of any family health insurance that is affordable.. my husbands gets laid of in the winter and we need to be able to afford it ..
Mustang GT car insurance?
Hey in 16 and im looking at buying a 1994-2005 Mustang GT. I like working on cars and this car seems to me an awesome car to work on. I just wanted to know how much people pay for insurance with a mustang GT. Also how much more would it cost because i am 16.
How much do you pay for basic liability auto insurance?
I'm only interested in liability insurance. Please list your state and monthly payment.
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?
Okay insurance rates on a 2009 challenger rt for a 20 year old male.. how much?
I know its not practical or anything but im just curious what they would be. And maybe any other financial information on the subject. Please no lectures about how I shouldn't have one.
Can I get an insurance quote if I am not 16?
Today, I got a moped so that for my birthday, I can go and do my CBT on the day. I want to get a rough price of what I would have to pay for insurance. I would like to know what I would have to pay but as I am not yet 16, I cannot yet get a quote. Does anyone know how to get round this as I do not want to lie about my age. Thanks.""
Question on using to insurance to pay for something?
if i went to the doctors and used insurance to pay for it would my parents get a statement that says i used it and what it was for ?
Do you need car insurance to get drivers license in Texas?
I'll give the BEST ANSWER award to the person who knows what they're talking about and not just guessing at things.
How would the insurance companies treat mounting a smaller sized engine inside a sport model car?
If i were to for example, mount a 1.4 vauxhall astra engine inside a GSI model car, would the insurers treat it as a 1.4 vehicles insurance rate?""
College Student transferring from VA to SC - do I have to get new car insurance?
I am a college student in Virginia and in August I will be transferring down south to South Carolina (USC). I have a great car insurance quote at the moment. Geico would give me around $155/month just like esurance, progressive and the like. Though, the local statefarm agency said they'd give me a quote for half that much. Is there a way that I can keep my Virginia Insurance in South Carolina? I doubt that I will ever get a quote like that again in a big college town. Thanks for the advice!""
Where can I get cheap bike insurance?
I'm having trouble getting a decent quote for my ZX7R, due to my no claims being void becase I haven't ridden for 4 years. Can you help?""
Car Insurance in UK for a driver new to UK?
I have over 10 years of driving experience, but all my experience is in India. I have recently got the driving license in UK. I want to buy a Car here, but just can not afford the insurance. The insurance companies do not take my over 10 years of driving experiance into consideration and are equating me to a new driver. Is there any insurance company who would consider my driving experience and provide a better quote?""
What's the best life insurance you can get online?
by a real agency----i will check it out with the BBB better buisness bureau--haha
https://www.linkedin.com/pulse/what-does-204015-mean-auto-insurance-carter-cole/"
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Insurance Fraud?
"Insurance Fraud?
About a year ago at this time, I was involved in a car accident where I was turning left onto a 2lane road (stop signs, MY turn) and this girl was turning right onto the same road. She tried to beat me and get in my lane. She ran into my car. Long story short, her fault, no questions asked, even says so on the police report. I filed a report and claim with my insurance co. to get $$ to fix my car. I got the $$ and fixed my car. Well, I was trying to chance insurance co. the other day when I found out that apparently this lady called my ins. company claiming to be my 'mom' admitting fault to the accident. I was 19 at the time, and this was at MY college. So now, it's gone on my record as my fault. Now, I just faxed the insurance co. the report, and they are going to investiage because this girl committed serious fraud. What's going to happen from here on out, legal wise and prosecution wise for her?
BEST ANSWER: Try this site where you can compare quotes: : http://howmuchisinsurance.xyz/index.html?src=tumblr
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I busted a hose on my radator (which I didn't know at the time) so I left the car until I could get it towed away. When I returned someone had stolen my cadillac converter out of my car (which again I found out later). How much does one cost? What should I do? And, should I report it to the insurance company being as though the parts and the macanic work would probably be outragous? Please help me I really don't know much about cars and I don't want to get taken buy an auto part. Thanks""
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Currently on my parent's auto insurance plan. Can I get motorcycle insurance with a different company without it affecting my current plan?
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I have heard that insurance goes down once you get married. Is this true? If it is, how much? Is it significan't? Do you have to be married before you turn 25 for this to apply? I have heard so many conflicting answers. Help??..""
What does it cost for $1000000 contractors liability insurance?
what does it cost for $1000000 contractors liability insurance in texas.
How much will my car insurance go down when i turn 21?
How much will my car insurance go down when i turn 21?
Car insurance confusion?
so my dad bought a car for my sis and I to share. I have liability that my mom pays. My sis has insurance my dad pays. Can I still drive the car my dad bought for us or do I have to be under his plan? btw my parents are divorced
""Is a Ford Mustang, Chevy Camaro or a Dodge Charger good for a first car?
My friend is 18 and goes to college and he has a Ford Mustang. I know its a sport car but is it good for it to be a first car?
Car insurance changes depending where you live?
My sister has had a car for awhile now that was given to her by a family member, and she had her insurance and all set up and she was fine. We moved pretty much across the street but when you cross this street you live in a different town, the borders are in the middle of the road. So she called to change her address and they charged her 30 some odd dollars cause apparently the costs of living in this down is higher on your car insurance, so can anyone please explain to me why this is? Why would moving from one town to another, [across a road] take any effect on car insurance?""
How do I rent a car? without any insurance (i have no car)?
So I want to rent a Dodge Magnum, for about 9 days in May through Thrifty.I will be driving from Missouri to Orlando for a vacation. I assume that I will pay the fee for the loss damage waiver (about $11 p/d) Or maybe my credit card might just cover that. But why do they keep refering to my insurance?... I don't even own a car! Else why do they think I am renting? Anyway what advice would you nice people give a dumb person like me as to what I need to do or what other insurance I need to purchase, thanks.""
08 lancer gts or 08 altima coupe what would be best for 17 year old and cheaper on insurance?
I want one that's fun to drive it has to be reliable I don't want to race but I do want a little speed I want whatever is cheaper on insurance and I'm stuck between these two cars what do you guys think?
How much would these cars cost to run per month?
renault clio 1.2... citron Saxo.... corsa (old) including tax , m.o.t and insurance and watever you have to pay for :) x""
Is it against the law not to have car insurance in Illinois?
My friend just got her liscense but she doesnt have car insurance. She drives her parents' car, n the car insurance is under their name, not hers. But i also know that they do not hvae enough money at the moment to add her name to their insurance. Is this wrong? if so, how wrong? What would happen to her if she ever got caught?""
Help with life insurance?
My husband apply a life insurance for me without my knowing for $150,000 dollars. I came from other country and I was shocked because as if my husband wants to kill me and just married me for life insurance. One day a nurse came to our house and get blood and urine test and asked my husband what's that for, he lied to me he told me that was only needed for his work and for my health insurance. I was just wandering, after few days I received a letter from Veteran's Insurance that my beneficiary when I died is my husband for 150,000 dollars, I called right away the insurance company and disconnect it. My question is, is there anyway that my husband can apply me again for life insurance without my knowing? I don't want him to become the beneficiary. Can I make a last will and testament that when something happen to me my beneficiary are my parents? What will I do to do this step?""
Is there any way of avoiding finance charges on monthly motor insurance ?
Like everyone, I'm strapped for cash and the other half's credit cards are maxxed out. In fact I'm so considered so bad for credit now even a loan shark wouldn't touch me with a bargepole despite having a job and being a discharged bankrupt - however my car insurance is due. Is there any way around the extra charges ? My renewal quote was 258 if payed in one lump, yet searching for monthly payments my cheapest payback is 366 over 12 months. Not that I'd ever accuse the banks of ripping us off. Any idea's ??""
Health care insurance in ny?
What is the best health care insurance for a low income 19 year old who just got cut of the affinity child health plan due to age? Any suggestions?
Term Life Insurance Ownership?
My wife and I are in our 40's and 50's. We have created A/B trusts and transferred our assets to them, and expect to have estates that will benefit from the estate tax saving these trusts afford. We recently both purchased $1M 10-year renewable term life insurance policies that we expect to keep for 10 years. We chose not to use life insurance trusts because the purpose of the policies is to replace the lost income of the deceased spouse if one of us dies relatively soon, not to increase our final estate, and the trusts are somewhat costly. We each specified our own trusts as the beneficiaries, because we want the disposition of assets specified there to be used for this money. The trusts provide for the income, and principle if needed, to be paid to the spouse, and for the remainder to be paid to our child at the remaining spouses death. The question of ownership of the policies is less clear. My lawyer says that it doesn't make much difference who owns them, because the value (estate) taxed is only one year's premium, not the $1M. My accountant says that the $1M is taxed, and that each policy should be owned by the other spouse to avoid tax on that amount. A friend said that there's no way to avoid or significantly decrease the tax, so just leave the ownership as is (each spouse owns their own policy). A further fly in the ointment is that the insurance company (Massachusetts SBLI) makes some forms of trust ownership more difficult and costly. I'm confused. What ownership is the best? What is the benefit of that choice? Thanks for your time.""
Category 1 Cars To Insure? Also Insurance Tips?
Hi everyone. I am a 20 year old driver who is 21 in March. I have my test on the 17th Feb and I am hoping to pass, obviously! I would like to ask for a few tips to make driving as cheap as possible. I have been looking at category 1 cars for insurance prices. Like a Citroen C2 or a Corsa, and I would like to know, before I buy, if anyone knows any tips to keep my insurance down. I currently have my own small business, and I live in the Midlands, which may class as a high risk area.. But I would like to know, what is the cheapest cars to insure, and tips to keep the insurance as low as possible. Also, will it help that I will be a little bit older than the 17/18 year olds who start driving? I am a male also. Thanks for anyone who can help me out!""
I need help trying to get the cheapest car insurance.?
Im 18 years old i past my driving test in September but can afford insurance, the lowest quote ive been given is 3000 pounds which is outrageous. Is there any way i could find cheap insurance and what would be the car to help too !!! :) Thanks !!!""
What is a typical range of costs for teen auto insurance?
I have to say - this field is RIPE for a good consumer survey that gives some general ranges of insurance by state or region. Nearly everything online - (correction - EVERYthing) on line links to get quotes from insurers (commercial sites) . Fine, but suppose a kid is in the early stages of learning about cars and parents are new to the kid driver insurance game and they just want to get a feel for ranges of prices based on region, car type, first time driver, male/female, etc. Let's assume a modest new car in the $25,000 new range and a responsible kid with middle income family - good insurance history. The new driver is added to current parent policies. Is the range $1000 to $3000? Or narrower ... $1500 - $2500.""
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Insurance Fraud?
About a year ago at this time, I was involved in a car accident where I was turning left onto a 2lane road (stop signs, MY turn) and this girl was turning right onto the same road. She tried to beat me and get in my lane. She ran into my car. Long story short, her fault, no questions asked, even says so on the police report. I filed a report and claim with my insurance co. to get $$ to fix my car. I got the $$ and fixed my car. Well, I was trying to chance insurance co. the other day when I found out that apparently this lady called my ins. company claiming to be my 'mom' admitting fault to the accident. I was 19 at the time, and this was at MY college. So now, it's gone on my record as my fault. Now, I just faxed the insurance co. the report, and they are going to investiage because this girl committed serious fraud. What's going to happen from here on out, legal wise and prosecution wise for her?
What is the average cost for motorcycle insurance in Maine?
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Does anyone have term life insurance with primerica? Are rates with another company better?
Does anyone have term life insurance with primerica? Are rates with another company better?
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Is pregnancy a pre determined condition in insurance?
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Should I keep my car insurance?
ok I will be attending college away from home in august which is when my current policy expires, When I go I will NOT be able to take my car with me at all, therefore would it be worth my while to maintain my current car insurance which is costing $167 a month, when I will have very little money to my name(I will have a job just have a lot of things i have to pay for myself), I know that when i start it again ill have to pay a slightly higher price than i would if i had kept it but will it be more than what i am saving? sorry if this is confusing im not very good with asking questions.""
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Does anyone know how much it would cost to own a lamborghini that is 2 years old (2006)? insurance, maint..?""
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Monthly motorcycle insurance in Ontario?
Hello there, I'm 16 and live in Ontario, currently have my m2, what would be my monthly or annual insurance rate for a 600cc sport bike or a vespa scooter? Is there an average rate? An approximate would really help, thanks.""
Does driving a corvette raise your car insurance?
Does driving a corvette raise your car insurance?
""My father's health insurance was inadvertently cut-off, can I add him on to my health insurance plan?""
My father's health insurance was inadvertently cut-off, can I add him on to my health insurance plan?""
How much would the insurance cost for a high dollar sports car?
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I have full coverage on my 2005 acura, the car has a custom molded body kit, aftermarket rims, nice paint job, and a turbo, if the car was totalled would the aftermarket modifications be covered? my insurance company is progressive btw. and they never asked if it had any modifications.""
Car Insurance question?
I live on a very busy side street where there is more cars owned by people that live on the street than there is parking spaces for these cars. I am just wondering if i have to park my car on the road around the corner fron where i live is the insurance still vaild if it gets stolen, because when i took out the insurance i was asked where is the car kept over night? and i said on the street where i live""
Is auto insurance cheaper if I live with my parents or on my own?
Is auto insurance cheaper if I live with my parents or on my own?
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What insurance would a 1985 monte carlo get?
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Why has my health insurance coverage gotten worse under the Affordable Care Act?
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""Dui in personal vehicle 5 years ago, can i get comercial insurance for livery service?""
independant owner operator of sedan service in st petersburg, fl""
Changing car insurance beneficiaries during a divorce?
IS IT TRUE THAT MY SOON-TO-BE EX HUSBAND CAN'T CHANGE OUR CAR INSURANCE POLICY UNTIL OUR DIVORCE IS FINAL??? I NEED HELP WITH THIS... IT SAYS THAT HE CANT MAKE ANY CHANGES TO IT IN THE SUMMONS THAT WAS GIVEN TO HIM BUT I WANT TO KNOW HOW LNG UNTIL HE CAN CHANGE IT BECAUSE HE IS TRYING TO CHANGE IT NOW
Insurance Fraud?
About a year ago at this time, I was involved in a car accident where I was turning left onto a 2lane road (stop signs, MY turn) and this girl was turning right onto the same road. She tried to beat me and get in my lane. She ran into my car. Long story short, her fault, no questions asked, even says so on the police report. I filed a report and claim with my insurance co. to get $$ to fix my car. I got the $$ and fixed my car. Well, I was trying to chance insurance co. the other day when I found out that apparently this lady called my ins. company claiming to be my 'mom' admitting fault to the accident. I was 19 at the time, and this was at MY college. So now, it's gone on my record as my fault. Now, I just faxed the insurance co. the report, and they are going to investiage because this girl committed serious fraud. What's going to happen from here on out, legal wise and prosecution wise for her?
Need help with car insurance?
About a year ago my husband and I sold a car. We went through the usual channels with dealing with the plates, calling the insurance company and so on. Well today we got our yearly insurance cards in the mail and didn't recognize one of the cars they had given us a card for so I went over the statement. It turns out they have been billing us for insurance on a car we sold over a year ago. We never really noticed how much we should be paying in insurance for our cars and only get our statement once a year with these cars. We only pay $1504 a year for what we thought was two cars and I had assumed that was pretty good. In fact we were paying for three cars and an extra $663 a year on the car we sold. I haven't contacted the insurance company yet but my question is what are my options here? Will they give us the money back for the year we payed on a car we legally sold and what do they need, if any, proof of that? We have paperwork of the sale but no real proof we called them to inform them to take the car off the insurance. Will that we enough?""
What's an appointment with a chiropractor cost? and how insurances work?
I just recently got into an car accident while i was 9 months pregnant, the acident wasnt that bad however it did triger some back pain...now the person that hit us insurance is going to cover the cost...but i was tryna do an estimate if i went for treatment for a couple of weeks maybe 6 weeks or so.. does anyone know how insurances work and how much they would try n give me to settle for?""
Would I be eligible for California In-State tuition?
Im graduating from a foreign country, and im an american citizen. If i were to move in with my gradparents who live in california and are cali state residents, and they become my gaurdians, would i be able to recieve in state tuition? Or do i have to wait a year, work, and become a resident? Does it make a difference that im graduating from a foreign country? Im taking my sat 1's. If now, what do i have to do step by step?""
""I got pulled over, and failed to surrender insurance?""
I was driving my friends home from a party one night, (being a DD), unfortunately I was caught going 123 in a 90 zone, and then I got pulled over. The police officer told me that not only I was speeding, but I was driving past midnight with a G2 class license. But the only thing I was charged with, was a 65$ fine for not surrending insurance, because I was driving my Dad's truck and could not find the insurance papers ANYWHERE. Since the police officer said there were no demerits to be added, does this mean my insurance rates will go up? I plan on pleading guilty and paying the ticket.""
Is Mercedes expensive to maintain?
im 18 just got myself first car 05 c320 4matic. my parents are paying for gas and insurance which is 350$ a month but i will pay for the car payments with a part time job and maybe repairs do you think it will be too much for me?
About how much will car insurance increase after wrecking a car?
Im 19 years old
Car insurance cover query?
I have had an ongoing problem with a succession of worn ignition keys that are a pain when trying to start or open the bonnet on my Ford Focus.Will standard fully comp car insurance cover the cost of a replacement key/barrel if i take it to the dealer?
How much per month would insurance be at 18y.o.?
I'll be in the military soon, so I'll need a car and transportation (in the instance that I'm not shipped to the sandbox). I've tried looking up quotes on progessive and a few other instant quote people online. But the confusing part is they all seem incredibly high. I put in the car as a 2010 mazda 3(which I hope to have), and age at 18, and all the other info. It had me at 800/mo with no collateral or collision coverage. What the f? I tried all different car combinations but they all were high or in the general extreme area. Can someone let me know what I'm doing wrong?""
Car insurance on a ROUSH.?
How much would it cost for a 17 year old, with no tickets and had never gotten into a wreak, to be covered on a 2007 mustang roush?""
Why didn't GW make an effort toward affordable health insurance for the Americans w/o any?
Why didn't GW make an effort toward affordable health insurance for the Americans w/o any?
Around how much is Driving Insurance for a 17 year old?
Or is it car insurance...w/e What would be the cost? Allstate is the insurance my parents use. What would it be from.
Car Insurance Question?
I am a little under 15 and a half years old and my dad has debated and almost bought a lot of cars for me, from ford f650's to 1965 or higher mustangs and jaguars. but so far we have thought that the car that would be good for my first car would be a 1994 Ford Mustang with a V8 with 30k miles0. which is perfect because that was the year i was born. So my question is that since its a sports car and its V8 about how much would my insurance be when i could start driving by myself?/ insurance for the other kinds of cars/trucks?""
How much is car insurance for a brand new HS 250h Premium Luxury lexus?
I'm 17, female, I live in St.John's NL and might do driving school""
""If you had to guess, do you think my insurance will be high?
i am an 18 years old male. i have been driving for close to two years and i had one speeding ticket that i took to court and they let me off. i got no points. i drive a 2000 mercury cougar and with liability coverage it costs $90 a month. im on my moms policy. im want to get a 2005 chevy monte carlo lt that im gonna have to get full coverage on because im financing. i am also gonna be on my moms insurance. do you think my premium is gonna increase by alot? thank you. and please just give me estimates and dont tell me to call the insurance company. i just want ballpark estimates and answers. thank you :)
Will my auto insurance company check my husband's credit and driving record if I add him to my policy?
I have been married for 4 years. My husband bought his car with his parents and has been covered under their insurance all this time. The car has been now paid off and he needs to go ...show more
""I wanna buy a 2008 car, how much would i pay for the insurance?
i am 30 years old and i just got my driver's license
Who needs insurance?
Auto insurance is a hit or miss conception with police enforcement doing the insurance company's work for them. Too many drivers have no insurance leaving responsible drivers to pick up their tab. Why don't we tack on 10 or twenty cents per gallon at the gasoline pump to go for insurance. If you don't buy gas for your car, you're not going to be able to drive.That way, if you drive, you automatically have insurance. This frees up police to do real cop work, cuts down on the cost and makes sure everyone who drives has insurance. Whadya think?""
What's the least expensive adequate health insurance for a Connecticut resident?
Aetna Anthem Blue Cross Cigna ConnectiCare Harvard Pilgrim Kaiser Permanente MVP Medicaid Tricare United Health Care Yale Health Plan Pharmacy Benefits is a must I believe
""I am getting my license back soon after a 3 year suspension,Does anyone know how I can get cheap insurance?""
I have 2 OUI's about 3 years ago,and I need to find a way to lower or get cheap insurance.Thanks""
I'm a 17yr old male in the UK - how can i make my car insurance cheaper?
Confused.com is telling me it will be 1600+ per year with provisional and 2500+ per year when i pass my test. I'm hoping to pass in february and would rather like to be driving to college then :/ I'm 18 in november and would rather not wait till then. These prices are taken from quite a few different affordable cars i've found on autotrader. Any tips on lowering the price?
Do people know the truth about insurance drops?
Why are 2% getting their insurance dropped, they don't meet the requirement of Affordable Care Act. Or in other words those insurance policies have worse coverage then Obamacare.""
How much would car insurance cost for a 17 year old girl?
Right, I'm 17. I getting my provisional licence in the next week or so, so I can start my driving lessons. When and if I pass my theory and practical, I would like to get my own car. I have a rough idea of which car I would like to get, but have no idea what I can do to get a rough idea on insurance. I've tried looking at a few websites and they're all useless haha. I'd love to have a Peugeot 106. Not the best car I know, but it would be suitable for me. I live in an area with off road parking, so this could possibly bring the insurance down a little. If someone can give a rough quote themselves, it'd be much appreciated and I can begin to plan ahead.""
Where is the cheapest place to get car insurance for a 17 year old male?
Where is the cheapest place to get car insurance for a 17 year old male?
How much will car insurance be?
Im 17 and im 18 in september and i have a renaut Clio Grande year 2000 X reg, 1.2 litres. Ive got quotes off of compare sites for 4000 a year yet i feel this is ridiculous? I have heard of friends getting it for 2000ish. Where do i find or get these cheaper insurance deals? Will it go down at 18?""
Can 2 insurance policies go on 1 car ?
hello all .. i sold my car today basicly because i couldnt insure the insurance or fuel anymore as my hours have been cut in work . now my question is .. can i insure my mums car which is already insured by her .. reason i ask is if i cancel my current policy i will have to pay the full years worth of the car i had previous which would be 1000 pound , so i was thinking to insure my mums car to keep my insurance going ? is this possible ?""
Insurance Fraud?
About a year ago at this time, I was involved in a car accident where I was turning left onto a 2lane road (stop signs, MY turn) and this girl was turning right onto the same road. She tried to beat me and get in my lane. She ran into my car. Long story short, her fault, no questions asked, even says so on the police report. I filed a report and claim with my insurance co. to get $$ to fix my car. I got the $$ and fixed my car. Well, I was trying to chance insurance co. the other day when I found out that apparently this lady called my ins. company claiming to be my 'mom' admitting fault to the accident. I was 19 at the time, and this was at MY college. So now, it's gone on my record as my fault. Now, I just faxed the insurance co. the report, and they are going to investiage because this girl committed serious fraud. What's going to happen from here on out, legal wise and prosecution wise for her?
""I got a DUI, will my auto insurance drop me?""
I have AAA, and got a DUI ast year, my insurance hasent gone up yet, but I know it will. Do you think AAA will drop me, since they are such a huge company, and will I have to go get some cheap ol' coverage now? I pay around $125 at the beginning of my policy for the year, then it goes down a little each month, my last payment is around $30, then it starts over again. Ive been w/ them for a few years, w/ a perfect record, until now. The DUI wasnt for alcohol or illegal drugs, it was for prescription medication. I tried a new med, but made the choice to drive also, and this is what I got. Any help?""
Liability insurance on a leased car?
If I lease a car or buy it on credit (a 2004 convertible mustang eg.) can I just buy cheap liability insurance? Please explain, I'm new to this and I need a car asap :/ please and thnx!!!""
How much would car insurance be for a vauxhall Astra VXR?
How much would a vauxhall astra VXR car insurance be for a 17 year old In the uk
What does it mean for insurance to be underwritten?
I have a quote submitted to Hagerty Collector Car insurance and they told me that it is being underwritten, what does that mean?""
Where does a single woman find affordable health insurance without the high deductible?
Where does a single woman find affordable health insurance without the high deductible?
Switching auto insurance & moving to another state?
This is my first time dealing with switching auto insurance to another state. I really would like to know which day should I switch the auto insurance. My insurance company covers both states. If I move from MD to VA on April 1, and I plan to register my car with VA DMV on April 4th. On April 4th, I guess I should have VA vehicle insurance ready for car registration, maybe I need to switch the auto insurance between April 1st and April 3rd. But if I switch auto insurance between April 1st and April 3rd, but at that time my car is still registered with Maryland (while no more MD vehicle insurance). Regarding switching auto insurance and car registration, which should happen first? Thanks.""
Motorcycle Insurance?
If i accidentally knock over my bike, will insurance cover that? if so, which coverage covers it?""
Why is it cheaper to obtain car insurance for self + spouse that for just self?
Why is it cheaper to obtain car insurance for self + spouse that for just self?
Can I get car insurance at 15 years old?
I am 15 & bought a classic car with my dad. Can I insure it in my name and build up two years no claims bonus while we restore it?
Is it worth it buying a salvage motorcycle from insurance auction?
Is it worth it buying a salvage motorcycle from insurance auction?
""Who will pay for my flooded car, the city or insurance company?""
This past weekend I get a knock at the door from some neighbors during a storm telling me that I should move my truck out of the street. I walk outside and see that my truck is sitting in nearly four feet of water. The water level rose up to cover the seats and nearly reached the dashboard. We put it in neutral and pushed it down the street so most of the water ran out. We used towels to get out what we could that night. I didn't try to crank it, and I unhooked the battery cables. When I tried to crank it about 18 hours later it would not start. My question is, can I sue the city for the flood damage to my truck since their sewer drainage system was responsible for the localized flooding on my street? Can they be held responsible for this? Or will I just have to settle with what the insurance company will give me for the truck since it is undoubtedly totaled? I have already paid about $19500 on the truck, but I still owe about $8600. How much can I actually expect to get?""
Can my brother use my bank account to pay for his car insurance.?
My brother doesn't have a bank account and he needs to pay his car insurance using direct debit. can he use my bank account? Would it matter if it was my name on the account? also, If he had a crash would costs come from my account? I hope somebody can help.""
Cheap Hazard Insurance?
Does anyone know where to buy cheap hazard insurance online? I heard of this company that gives free quotes. CheapHazardInsurance.com I have property in Florida and and the hazard insurance is killing me thats why i need to get cheap hazard insurance. Thanks in advance...
Will my car insurance go down if i didn't have any accidents or traffic tickets?
i was 20 when i joined my families car insurance. its almost going to be a year and now i am 21. i did not have any accidents or traffic tickets. is it possible that my car insurance will go down? or will it stay the same?
Car insurance quotes?
where can i find and compare car insurance quotes online, without having to give my phone number?""
Will I be able to buy car insurance?Thanks?
Im 19 and I was on my dads Metropolitan insurance company. I had 2004 Honda Civic but my dad had the car title in his name. I crashed my car and I was at fault so now we're waiting for the case to settle. My dad wants to wait for the case to settle before I buy another car. The case might take another year or more before its settled. I would like to buy my own insurance and my own car. How will the insurance work out or whats the cheapest insurance? Thanks
Insurance settlement.?
Back in October, I was hit by a vehicle that was backing out too fast from a parking spot. My vehicle was parked and there was no one in the driver seat. My three children were also ...show more""
What kind of insurance do I need as a teen?
I am looking for quotes and anchor insurance asks which insurance I want I have the choices of Liability only, Comprehension and collision and Comprehensive only""
Where can i find long term and short term disability insurance for a diabetic?
i need a great insurance but yet inexpensive.
Does a car insurance company need to know the state in which the car will be used?
I am buying car insurance for a 21 year old child who will attend graduate school out of state. Primary address will still be with me. Car will be in my name; child/student will be listed as primary driver. Child/student will live in an apartment while at graduate school. Does the insurance company need to know in what state the student will be?
Free Geico car insurance?
I've always been told by a little green lizard that 15 minutes on the phone can save you 15% or more on car insurance... what about 100 minutes on the phone?
New york car insurance?
Fyi i have liberty mutual coverage. So my son will be receiving his license soon, and i want to know what the best option for him would be. My household has two policies, one that my daughter holds and one that i hold. I have two pretty expensive cars on my policy, and my daughter has my old car (clunker) and her own separate policy. When my son gets his license i want him to drive my daughters old car, while she is at college, and when she is back they can share. So if I were to list my son on her insurance, would he be able to drive my cars? ( like when his is in the shop). Or would it make more sense to put him on my policy? Thank you!""
""What is the lowest, best Liability auto Insurance in Dallas?""
btw anyone tried Geico and are they really cheap? I know that billionaire guy owns the company, but is it any good?""
NEED HELP FROM CALIFORNIA RESIDENTS about car insurance!?
We recently moved, and I called my car insurance agent today trying to change my zip code. My insurance company (Mercury) wants to charge us extra $150 for a 6-month period. As I recall, wasn't there a law passed last year against insurance companies from using a zip-code-based system? And when we brought that up to her, she just said we haven't gotten any notice from Mercury so we're still going to charge you for moving. Anyone knows what I can do about this? Thanks.""
How much would insurance be ? ?
im 18 years old and i have a 2006 hyundai sonata and i was wonderinq how much my insurance would be every month .
Insurance Fraud?
About a year ago at this time, I was involved in a car accident where I was turning left onto a 2lane road (stop signs, MY turn) and this girl was turning right onto the same road. She tried to beat me and get in my lane. She ran into my car. Long story short, her fault, no questions asked, even says so on the police report. I filed a report and claim with my insurance co. to get $$ to fix my car. I got the $$ and fixed my car. Well, I was trying to chance insurance co. the other day when I found out that apparently this lady called my ins. company claiming to be my 'mom' admitting fault to the accident. I was 19 at the time, and this was at MY college. So now, it's gone on my record as my fault. Now, I just faxed the insurance co. the report, and they are going to investiage because this girl committed serious fraud. What's going to happen from here on out, legal wise and prosecution wise for her?
https://www.linkedin.com/pulse/home-insurance-dwelling-fire-policy-should-i-buy-anthony-johnston/"
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Vicksburg Pennsylvania Cheap car insurance quotes zip 17883
"Vicksburg Pennsylvania Cheap car insurance quotes zip 17883
Vicksburg Pennsylvania Cheap car insurance quotes zip 17883
BEST ANSWER: Try this site where you can compare quotes: : http://saleinsurancequotes.xyz/index.html?src=tumblr
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Vicksburg Pennsylvania Cheap car insurance quotes zip 17883
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I decide to buy a used car but I do not know how I am supposed to buy the insurance and get a plate? My friend told me to get some information about the car, get a quote from the insurance, purchase the insurance and get the place, then go see the seller to complete the trade. Is that correct? If it is, what kind of information do I need to get from the seller to buy insurance? My other friend who bought a car from a dealer said after buying the car he was given a temporary plate, then he went to buy insurance and got the plate later. So can anyone show me step by step how to purchase insurance and get the license plate? Thank you.""
Do I need a motorcycle VIN number to get insurance in NC?
I live in North Carolina and I'm trying to get a license to purchase and operate a 150cc motorcycle. In North Carolina you must have a license for an automobile before you can get an endorsement for a motorcycle. Right now I'm learning how to drive a van so I can get a motorcycle endorsement. Before you can get a license for an automobile you must have proof of liability insurance (DMV form DL-123). Do I actually need a vehicle with a VIN number to get liability insurance? Or do I have to purchase non-owners insurance first and then switch it over to motorcycle insurance after I get an automobile license with motorcycle endorsement?
How soon do i need auto insurance after buying a vehicle (used)?
I am buying a truck for the summer, and i was just wondering if i need insurance to drive it back home, or whether i can just drive it home and then get insurance...sounds stupid""
Where can i get cheap insurance?
I Would like to get a new auto insurance, where can i find cheap insurance? Thanks in advance""
""Kawasaki Ninja 250R, insurance help?""
I just turned 17 last week, and it's the summer break now and am looking to get a job. The plan is to earn and save as much money as possible until I have enough to purchase the 2012 Kawasaki Ninja 250R Motorcycle. I've read and heard many good things about it, and it seems to me like it's a good starter bike to purchase. One thing I am unclear for is the insurance. I've read that insurance for the Ninja 250R is very cheap, but also have read that it can be really expensive. Realistically, what am I looking at here annually? I have a clean record, I'm also planning to get my M1 in the next few weeks.""
Need cheap insurance 18 year old in UK?
hello can anyone tell me where i can get cheap car insurance for my son who is 18 years old. its been 1 year since hes passed. i have 6 years no claim bounes. the best quote i have got so far is 2700 on a corsa 1.2. is it possbile to get any driver car insurance?
Is auto insurance always required in California?
I remember hearing that if you had enough money set aside in an account, you wouldn't have to pay for car insurance. Perhaps the minimum coverages for all the various types of accidents, which would sum up to somewhere around $50,000. Is this actually a possibility?""
Car Insurance?
The car is in my name and I have insurance on the car, but I want to add my 16 year old brother as a driver. He will be driving the car most of the time. He is covered under my moms but i am wondering if I can add him as a driver for mine also?""
Car insurance?
hi last week i reversed into a piller and wrecked the back end off my car after paying 411 to get it fixed my b/f was coming home from work and a van went into the side of him and wrote my car off. we are getting a courtesy car today but apparently i cant drive it until my details have been sent to dvla and they get an ok back b/f reakons it will be a couple of days but i need a car is this right and does any1 know how long it will be cause i havent had a car for nearly 2 wks now and am lost without it. thank you
Cheap Car insurance...............?
im 19 living in england just held my license for a week now. im being quoted 4 and half grand insurance on a 1.4 civic. that is bullshit. does anybody know a cheap insurance legit one? i need to start driving ASAP.
Car insurance for a 17 year old?
what is the cheapest car insurance company for a 17 year old. (people with recent experience would be very help full) also what car would be cheapest to insure. (would an old car e.g 1980s early 90s be cheaper than a newer car) i am looking at third party insurance and not comprehensive
Are you required to pay car insurance even if you're not driving?
I'm 17 about to turn 18, I have my level 2 license and live in michigan, I have insurance with AAA and they said I have to pay car insurance even if I'm not driving, I'm trying to save for a car and don't want to pay for something every month that I don't need. So if I'm not driving and don't own a car do I have to pay or is the insurance company just wanting my money?""
How much can i sue and get from car insurance for pain and suffering for $6000 worth of medicals?
How much can i sue and get from car insurance for pain and suffering for $6000 worth of medicals?
Peugeot 206 gti insurance cost?
Does anyone know roughly how much it would cost for first time insurance? I'm 18 by the way.
Debit prepaid insurance or prepaid expense?
dec 2. issued check no. 1103 for $2270.00 to miami insurance company for the premium on a 30,000 policy for the year beginning dec 1. would it be: debit Prepaid Insurance 2270 cedit Cash 2270 ??? thanks!""
Which comes first? The car or insurance?
You can't drive without insurance, but your insurance rate depends in part on what kind of car you drive. So which do you get first?""
Do I have to have car insurance?
I'm 18, and I'm getting my first car that I'm paying for in two weeks (2006 Ford Mustang). Unfortunately, I don't think my mom will put me on her insurance. I don't have enough money to pay for my own insurance. My mom told me its illegal to drive around without insurance (Is this true? And how would police know?) Also, what would happen if I got into a car accident with damage to both cars and I was at fault?""
""As a minor, where can I get the cheapest car insurance?""
im 16, and my dad said i wont be driving until he sees that i can pay my own insurance. i know its REEEEALLY expensive for a minor, so where can i get it cheap?""
Car insurance is it legal?
would I be able to drive my wifes car that she owns but has no insurance on the car. I have my own car and are fully comprehensive so would I be breaking the law.
""Car insurance costs, is this right?""
Im currently 19 years old and have been with Esurance for a year now. I have a 1998 honda civic and my payments are at $65 a month, im currently looking in to buying a new car and called them up tonight to get a quote for it and they said my monthly payments would increase to $360 a month (car i called about was a 2012 chevy sonic hatchback). Does this large of an increas seem correct? I have never gotten in to an accident nor needed to call upon my insurance for anything, so why does the price jump so much higher?""
Question about driving a car with motorcycle insurance?
My mother wants to know if I can drive her car even though I'm not under her insurance. I have motorcycle insurance. I live in Florida.
What Insurance Company has Accident forgiveness?
I need a company that wont be so expensive. I had a bad accident and need a different insurance company, any good ones? Im in Florida btw""
Why is car insurance so messed up?
i just got a quote for 1200 to insure a 1.4 focus, costing 600. but i also have a quote of 1000 to insure a 2004 mazda rx8 costing 5000. how the hell do they work this rubbish out""
Vicksburg Pennsylvania Cheap car insurance quotes zip 17883
Vicksburg Pennsylvania Cheap car insurance quotes zip 17883
""Is a Porsche 944 good in the snow, cheap insurance, etc?""
Hi I really would like to buy a Porsche 944 but I am having trouble convincing my dad that it would be a good car for me. His main arguments are that it would not be good in the snow (I live in Upstate New York). I am willing to buy snow tires but I am not sure about what the ground clearance is on the 944. And he says that insurance would be very high for a teen. Also reliability, but the one I am looking at has only 84k miles on it. I am looking for helpful answers that go either way from expierenced people who have owned 944's. Thanks!""
Cheapest car insurance for 17 year old?
Taking my driving test soon and buying a cheap car (500 - 700) it will probably be a citron saxo or something like that. Who are the cheapest company to insure with?
Will a police officer get lower insurance rates?
Im in training to be a cop, and i want to finance a 2010 Chevy Camaro, will being a cop help with car insurance rates?""
Best Health insurance for young adults in NZ?
The reason why i'm wanting health insurance is mostly going to the dentist. does anyone know a good health insurance and what do i need to look for when i joining a company?
Dispute Car insurance claim estimate - Tiny paint mark
I lightly bumped the car in front of me and left a tiny red mark from my license plate. When I got out of the car I could rub the paint off with my finger, but I could tell the other driver was uncomfortable with me touching his car so I stopped. He said he wasnt going to file a claim but he did and the estimate for fixing his car was $641 Dollars!!!!!! Since this is over the $500 limit my insurance has for no penalty, if i do not pay this out of pocket my insurance will go up by $250 a year for 6 years. WHAT CAN I DO? I want to dispute this because there is no way it would cost that much to rub the red paint off. Thanks in advance!""
2012 subaru wrx insurance rate?
I am looking to get a 2012 subaru wrx. I am 17 and i am part of my family's all state insurance plan. I have never had an accident and i live in New York. What kind of price should i be looking at. I was told that because the car has a turbo it increases the insurance rate even though it is a four door four cylinder car. Thanks for the help.
Cheapest car insurance for a 17 year old?
What is the cheapest insurance i can get for a Seat Ibiza 1.4 Petrol 2008 Automatic, No modifications made, just passed driving test but can not find a cheap insurance? Can anybody lend me a hand and guide me to the cheapest deals? I have checked all the comparison websites the best i have got is around 2,200.""
What is the best insurance company?
I need the cheapest insurance that is basic I have a 2002 Ford focus. Any ideas?
""Does car insurance go down when you move to a different state, if so how do i lower mine? (see details)?""
I used to live in LA and my car insurance was 46.00. Well, I went to progressive and did a quote with my new address which is in TX and my car insurance quote is for 26.00. How do i go about getting these new rates since I no longer live in Louisiana.""
Where can i get fish tank insurance?
My landlord wants me to get a liability insurance for my fish tank. What can I do? Thanks
What is car insurance for?
do i need insurance for a car that is parked or is it just to drive the car
""Can i take out a life insurance policy on my mother, shes in her late 40s, and what kind of insurance do i get""
im in the millitary and my father and mother just spend to much money and are going to leave it all to me what kind of insurance and how much does it cost
Health Insurance - Early Retirees?
Does anyone buy their own health insurance? What is the rate usually for a 62 yr old individual plan? I have gotten 227/mo to as high as 969/mo. How to know if its a scam, too good to be true or a rip off? Thanks for helping. Is Aetna real? I rec'd calls from a broker underwriting with Aetna and worry that those prices of 227/mo were so affordable it must be a scam right? I would love to know what a normal price per month for health insurance is, with no employer involved, however earns too much to qualify for affordable coverage. This is NYS if that matters.""
Car insurance for Civic and Lancer?
How much would you guys think car insurace would cost per year for a 16 year old for a 95-00 Honda Civic EX or SI and a 02-05 Mitsubishi Lancer ES??? thanks
Is it absolutely necessary to buy insurance when renting a car?
I am renting a car for 5 days. I'm not sure if my own personal car insurance covers for a rental, but I'm pretty sure it doesn't. Its almost $100 for the insurance that they offer! Seems like a trap. Is it absolutely necessary to purchase it? Thanks""
Why do I have to pay extra for changing address with my insurance company?
I recently moved and changed the details on my drivers licence and log book. When I called the insurance company to do the same they said i would need to pay 60 to cover the cost of the change between now and the renewal period (which at the time was approx 6 weeks away). All of this was AFTER they took my previous and new address to confirm my ID. When I asked them why this was as I had paid my entire premium in full last year (so as not to incur direct debit charges) they just repeated themselves. I did not have the 60 and said well I will just stay at the previous address (my ex-boyfriends) until my renewal comes through and I will change address then. However...my renewal has just come through in my NEW address but with postcode where vehicle kept overnight as my OLD address!! What does this actually mean?? surely if I have to make a claim it doesn't matter where the vehicle is kept esp as they have my address and the majority of claims do not happen at your residence!!! I have read the policy back to front and they even added amendments this year to include admin charges and NOWHERE does it mention being charged for change of address. I have literally moved around the corner surely its not just about postcodes or am I being naive??
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
Motorcycle insurance cost for m1?
16, live in canada, suzuki gs550, cheapest insurance? p.s. heard statefarm lets you do it by month, how much would that cost?""
Rough estimate of Health/Dental Insurance Cost of family of four?
I am considering taking a position with a firm that currently does not offer health insurance. I will ofcoarse seek professional help to get a better number, I just wanted to see what sort of range I will be looking at. I live in Texas and both my wife and I are in our late 20s and have two one year olds. Thanks""
How much would my insurance be is I have 4 points against my license?
I gotten 2 speeding tickets within 6 months (4 points in south carolina...I have a good reason to be speeding!)...I am currently uninsured but my vehicle (2000 Honda CR-V) is insured under my mom's insurance with Geico... I'm 19 years old and soon I will have to register my own vehicle and get insured...my mom doesn't know that I have tickets. I go to college and I'm a pretty good student (4.0) would I get a discount with that? Also, what is the cheapest insurance? Thanks!""
Im looking for cheap or reasonalby priced auto insurance...can anyone give me any tips???
this is my first car and i need full coverage...somebody help me please!
What does it take to commit a minor and how do you afford it if you don't have health insurance?
My uncle and aunt are struggling with my 16 year old cousin who suffers from anorexia and she will go up to 3 weeks without eating anything. I am not kidding she only drinks water and then she will slowly puree some fruit into her water again for about a week or two before she binges for a few days and then goes back to this cycle of starvation. She looks pale and has no energy. Her eyes are sunken in and she hides in her room. My aunt and uncle are immigrants and they don't speak english that well. They don't have a lot of money or health insurance and I have no idea what to do but they are asking me to help! I've never dealt with this type of situation before and I'm just thinking they should call an ambulance and maybe they'll commit her to some state institution? I've been googling this and I come across all kinds of conflicting information. How can she get help in the state of California and is there any way if they are not insured to pay for her treatment? Is there any state aid related to extreme cases of anorexia?
""Car accident, Insurance, How does it work?""
I was in a car accident yesterday and it was deemed not my fault. They guy rammed me with a truck, while i was driving a car. My whole back end was destroyed and the estimate at a local dealership came out to about 6000 dollars. The dealership said that their might be some internal damage to the frame that they can't see but if it is the frame, can i ask the other guys insurance, the one paying for rental, coverage, etc, to give me market value of my car, if it is the frame, My cars value is $18,125. Also i have a slight neck pain from the whiplash, Do I tell his insurance about this?""
""My husband is retiring next year and I am unemployed and only 55, how do I get affordable health insurance?""
I have alot of health issues and I need to make sure I have coverage. I have been looking for a job with benefits, but so far no luck. I am 55 and my husband will be 63 when he retires. I need an insurance with no prior health exceptions.""
Can you ask a car insurance company to lower your rate/payment?
If so, how would I go about that? I know that many companies have loyalty/continuous coverage discounts, but the discount for my current insurance really isn't enough, and my payment (I make a full, 6-month payment) goes up every time. Should I ask for a specific amount/percentage? Should I ask them to keep the cost the same as 6 months ago, etc? Thanks for any advice. **I've been with the company for over a year.""
Vicksburg Pennsylvania Cheap car insurance quotes zip 17883
Vicksburg Pennsylvania Cheap car insurance quotes zip 17883
What insurance plan should i get?
i am looking to get health insurance. i was offered plan A which is $5000 deductible with 30% out of pocket or plan B $2500 deductible with 40% out of pocket. i am 20yrs old, in sacramento california. i am health don't smoke or drugs, but do ride a motorcycle. plan A payment a month is 90$ with dental and vision, and Plan B is $110 a month with vision and dental. in the past i have only been to Dr's for broken bones, but things pop up and want to be covered if something were to arise. thank you""
How much would car insurance be for my 16 year old son?
I bought him a 2011 corvette zo6 its fully paid for.He works at a fast food restaurant as assistant manager.So what car insurance should I get for him and how much would it cost
What happens if you are in an accident that wasn't your fault and you have no insurance.?
question says it all LIVE : California.
Do I need my own insurance to rent a car?
I am a US citizen but I live outside the country. I'll be coming to the US for about two weeks over Thanksgiving and will need a rental car to get about and between the two places I'll be staying. Since I live outside the country, I don't have my own personal car insurance, as the country I live in doesn't require any. I have a PA driver's license, so I'm fine in that department. I just want to know - since the rental car companies don't explain anything - whether or not I need to have a my own insurance to take the car off the lot...OR, since the rental car companies are required by law to have liability coverage, which is the PA state minimum, am I able to just drive the car off the lot without ever giving proof of insurance. As far as I've been told, the last part is generally the standard - with the caveat that if I were to get into an accident, I would be responsible to all damage done to the vehicle itself, as well as myself. But I just want to make sure with anyone who's in the know.""
What to do when the other person doesnt have car insurance?
Back in December a friend of mine backed into my car while drinking. he did not have insurance and still does not. i told him i wouldnt do anything as long as he fixed the dent. he has still yet to fix and is trying to get away with not fixing it. what should i do? small claims court?
Can anyone recommend any car insurance companies to me that are pretty cheap?
Just bought a new car yesterday and need to get it insured before i go pick it up. I'm a 19 year old female and passed my test on august 27th last year so havent even been driving a year yet...dunno if that helps at all lol the cheapest quote i got so far is 920 annual...does anyone think this is the cheapest i'll get.
Yes/No: Do you have health insurance?
Yes/No: Do you have health insurance?
Car Insurance Quotes?
I have been looking on confused.com, comparethemarket.com, gocompare.com for car insurance quotes and they are all between 6000-16000 these prices are a total joke okay maybe there are stupid drivers but there has got to be a balance between high premiums and trying to stop people driving without insurance having prices like these will result in many people driving un-insured. I am 17 and passed in January of this year and I have took the Pass Plus Scheme and it has made not difference in my quotes. I need help to see if I am doing anything wrong because I can not see how any 17 year old can afford 7000 for insurance. Thanks for the Help.""
Teen Auto Insurance??????
I am just wondering what the teen drivers or parents of teen drives pay monthly or however you pay for insurance once the teen gets their license? I know there are alot of factors that contribute to how much a teen pays for insuracne but I am just curious. So basically how old are you?...and basically just how much does you or your teen pay for insurance, if they have a car what type? or if you are a parent, are they added on your policy, and still how much do you pay for insurance? Thanks :)""
Who has the cheapest car insurance?
who do you think? im looking for east coast providers
Monthly Insurance??
Can anyone give me a guess-timate on how much the average monthly auto insurance would be in New Hampshire for a red 1996 Ford Thunderbird with a 5.0 V8 and automatic tranny? I want almost all the coverage. So could anyone give me any answers??? Thanks!
Why does the Honda Insight ('00-'05) cost so much to insure? (UK)?
Why does the 2000 - 2005 Honda Insight have group 12 insurance status in the UK?! Its such a shame, I have been looking to upgrading my small car at the moment, and have always liked the old Insight. For some strange reason it didn't ever seem to take off, and it was way ahead of its time, and is still a very good, one of the best ever mass manufactured cars for fuel consumption (may even be the best). It has a 1 litre engine, which produces just 66bhp, but is extremely efficient so achieves 83MPG and has a 0-60 time of 12.1s (top speed: 112mph). Remember group 12. Or I could pick out a Seat Toledo 2 litre Sport - produces 147bhp, 34MPG, has a 0-60 time of 9.4s (top speed: 128mph). This is a group 10. Why isn't the insight lower?!?!!?!??!?!?!?!?!!?!?!?!?!? Any info would be great""
How can i make my car insurance quote cheaper?
When i get quotes online they are really expensive, what could i change to make it cheaper?""
Can someone please explain what these new insurance laws are?
are we required to have insurance? do all companies have to offer insurance now? What percentage do companies have to pay for insurance? Thanks
""If i have full coverage for car insurance that covers theft, how much should i get?""
esurance if it helps, do i get what i paid for the car when it was new or the bluebook value""
Im a 16 year old and got my drivers license how long should i wait to get my motorcycle license?
Since im 16 and got my license. if i wait will the cost of motorcycle insurance go down? if so by about how much?
If 15 minutes can save you 15% or more on car insurance..can 20 minutes save you 20% or more on car insurance?
i know stupid question but i've always been curious
How much would I pay for car insurance on average?
I am 17, about to turn 18 and I am about to get my license. I am going to get a used car around a 1995 car. Around how much would I pay for insurance?""
What's the cheapest I can get car insurance for?
I'm 17 years old, and am looking to get my first car, something like an old Ford KA, Ford Fiesta or similar, you know the kinda cars I'm talking about. I am able to keep it in a secure residential car parking space. I'd prefer not to be told to just look around on price comparison websites , I've looked but the prices im being quoted are ranging from 3500 to 8000 and I'd like a rough idea on the cheapest I would be able to get it for, and tips as to how I can get it at a good value price?""
Cheapest car insurance for a minor?
Okay, I'm about to purchase a 1995 Volkswagon Cabrio, but I need insurance on it and I'm only 17. I have a missouri permit currently, but I will have my license as soon as I get the insurence so that I can take the test. If it helps at all I have a 4.5 gpa, near perfect attendence, volunteer work, dual-enrollment credit, and extra-curriculars. I just cannot afford the prices I have been seeing for the few companies that will give me insurance and I would appreciate any suggestions for cheap liability.""
Car Insurance Dilemma?
Hello everyone, I just purchased a new vehicle and gave the old one to my mother. She really needed a vehicle. I decided not to trade it in. The problem is that she can't afford insurance however, if I was to add her to my existing policy, she could afford it. This is the problem, she must be a resident at my house in order to be added. Would they find out if I added her? Would she have a hard time registering the car? Only knowledgeable answers please. Thanks""
Can i pay for my dads car insurance?
my dad hasnt got a credit or debit card i have a debit card and im only 16 can i pay for my dads car insurance
Where can i get cheap auto insurance for an 18 year old student with a mustang?
Well this may sound like a long shot, but I just recently bought my son a Ford Mustang, Now its insurance time, hes 18, gets A's in school and has had drivers ed. Why do the quotes from Progressive and esurance estimate its going to cost nearly $500 a month, even with a 1990 honda junker it still cost nearly $400 do these prices seem reasonable, i cant recall them being that high, when i first got insurance, thanks.""
Who has the cheapest car insurance?
Who has the cheapest car insurance?
Car insurance loopholes?
What are the loopholes for lowering your car insurance? Ie. will putting the car in my parents name lower the insurance? Adding someone else on? Lowering the estimated value? etc.
Vicksburg Pennsylvania Cheap car insurance quotes zip 17883
Vicksburg Pennsylvania Cheap car insurance quotes zip 17883
https://www.linkedin.com/pulse/alexander-city-alabama-cheap-car-insurance-quotes-zip-grover-metzler/"
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What 600cc Sports Bike is cheapest to Insurance?
"What 600cc Sports Bike is cheapest to Insurance?
Cheapest i got some far is 750 on a honda CBR 600 im looking at not spending more then 500 on insurance
BEST ANSWER: Try this site where you can compare quotes: : http://freeautoinsurance.xyz/index.html?src=tumblr
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I just found out that I paid my homeowners insurance seperate and my morgage is paying for it as well. Its been 2 years....should I ask for a refund or what?
What is the best/cheapest car insurance?
I am 19, I've had one ticket for driving too fast for conditions . I'm getting a new car this week, a 2002 4dr honda civic. How much should i expect to pay for insurance? And what is the best company to go through?""
How Much Would Insurance Cost For A 16 Year Old Female?
I was wondering how much insurance would be for a 16 year old female first time driver, who is driving a 2007 Range Rover.""
How much more would it cost if my parents added me to their car insurance?
My parents pay about $100 a month on insurance for their car ( 2008 Nissan Sentra) to OMNI insurance group. I'm just wondering how much extra would they have to pay to add me (16 years old) onto the insurance when I get my license?
Does your car insurance go up if you don't have it for a period of time?
If I dropped my car insurance for monatary reasons, and then picked it back up in a few months would I still have the same rate as before?""
Life insurance question?
If someone were to get life insurance in their twenties, how would that benefit them later in life when their old?""
How can I get a health insurance that I can afford?
I work full time and my husbant too but our jobs don't offer a health insurance. We hava just enough money to pay the mortgage, other bills and to survive the month. We would like to have a baby and the only thing that is holding us up is no insurance. I could only find family insurance that's over $500 a month and we could never afford that. And we make too much to qualify for help from the government. Does anyone know any affordable insurance or help from somewhere. Also, without $1000s in deductibles and coinsurance?""
Is it true that in America there are people who get jobs they may hate simply for affordable health insurance?
I am planning on emigrating to the United States within the next three years if I can get a visa for educators or an actual Green card. The thing is that people on this forum have been telling me that health insurance comes primarily from your employer in the States, and that if you have a pre-existing condition, you may end up not able to change to the job you want as you might not be able to get coverage or, if you do get covered, be charged more than your salary. Is this correct? Someone a few weeks ago was writing about how she was angry because she has Crohn's Disease and works a part-time job with full benefits in kind (insurance) and her husband teaches five adult education classes at a community college and a state university without benefits. She said that they have no kids (no intention of having any), but she was extremely cross with her husband as he loves teaching and doesn't want to leave it for a full-time office job with benefits even though he is putting aside $1,500 per month for any possible emergencies. Is it really like that in the States. I love America, love its literature, its people, its values and so many other things, but this sounds like a big deterrent if one doesn't have total job mobility. Would a husband end up quitting a job he loves doing and taking on something he might not like simply because the less appealing job offers affordable health insurance for someone with a pre-existing condition.""
What 600cc Sports Bike is cheapest to Insurance?
Cheapest i got some far is 750 on a honda CBR 600 im looking at not spending more then 500 on insurance
Buying SR22 Insurance Online?
I need to know the cheapest site or agency to buy sr22 insurance. Any ideas? Thanks!!
Do I qualify for federal health insurance?
My parents don't get insurance through their jobs, and they can't afford private insurance. My parents and I are currently enrolled in an assistance program through our local hospital. I go to a private university that requires for students to have some type of health insurance. If the student doesn't have health insurance, the school charges the student $1,000 for the school insurance. Since I am 19 years old, I no longer qualify for CHIPS, which I've had all my life. I am a full time student, I am a U.S. citizen, I am in Texas, my parents are low income, I don't have proof of a job (I'm a nanny and get paid in cash). Online resources are confusing. But is there any federal insurance program that I may be eligible for?""
Claiming insurance for a vandalized car?
a car is 23 years old and in standard form worth about 800. due to the amount of mods done to it, it is insured for 4000. if it was to be vandalized to the point it needed a full respray at a cost of around 1500 what do u reckon the insurance company would do. pay for the respray or write the car off, and payout how much?? its not an agreed value as such, its just thats what was paid for the car so thats what they said to insure it at.""
Whats a good car from the year 1996 to 2002 for a 16 year old boy so that the insurance is cheaper?
Whats a good car from the year 1996 to 2002 for a 16 year old boy so that the insurance is cheaper?
Can I drive my car without insurance ?
Okay, so I've had my Chevy taho 1 year, i just canceled my insurance cause I'm about to sell it I'm living in California moving to Colorado so I'm gonna sell my car...I know in cali Seller must smog the car a 2nd time, but am i taking a risk driving it to go get it smoged? also.... i have not driven it cause I planned on selling it so it's also not renewed.... and to make matters worse I lost my tile, positive honest answers please =(""
Car Insurance help!?!?
I have got insurance with EGG and i had a non-fault accident and have got a claim going through. The car isn't drivable, I have got another car is there any chance i can switch my insurance from my old car to my new car making sure my old car insurance claim goes through???""
Cheapest car insurance for a 18 year old male?
Cheapest car insurance for a 18 year old male?
Do pcv holders get cheaper car insurance?
Do pcv holders get cheaper car insurance?
Motorcycle Insurance cost??
Hey guys! My husband wants to get a kawasaki vulcan 900 for his first bike but when he called our insurance provider for our cars they weren't there but I was just wondering if anyone could give us a ballpark of how much it might cost every 6months or year. He would be the only driver and he is 25 with no marks on his record. We also live in the south if that changes anything.
Where can i get really cheap braces in California?
I need braces, I do have insurance I am a teen we cant really afford them. I would probably need a year to two in a half years with them. Thank u""
What are the charges if you have a suspended licence and no insurance?
well ok my boyfriend was driving with a suspended licence and no insurance..and one night he ran into a street poll..the police came and now he has a court date. i was wondering what are the charges, and could he end up in jail?""
""What would be 15,000 pounds after tax and insurance for one month?""
What would be 15,000 pounds after tax and insurance for one month?""
Which is cheaper car insurance in newjersey?
Which is cheaper car insurance in newjersey?
Best medical insurance for gastric bypass?
I have struggled with being overweight my whole life and I have decided I want gastric bypass. I currently do not have insurance and I want to buy insurance to cover the surgery. I'm not really sure how to go about purchasing insurance and which ones deny weight loss surgeries. I am 22 and in perfect other then being overweight, so I figure getting health insurance shouldn't be too hard to get approved for. Like I said just wondering which insurance is best for the surgery and any suggestions you have for purchasing health insurance would be great. Thanks!""
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.""
How much would my insurance be?
If I am 17/18 years old. The car is used from about year 2000 or 2003, costs me around $4,000. This is in NY CITY. If it's a Nissan Altima. Thank you.""
Insurance companies for a 18 year old new driver?
Ive just recently passed and im in need of a insurance company good for me. Money is tight as im a student and so i need something cheap. Ive been on money supermarket and its hasn't helped much.
Do i need car insurance or just liabilty?
are they the same?I only want to cover the other persons car not my own because i'm buying a piece of crap $2500 or less and if i bought a convertible would i have to pay more per month for whatever it is i have to pay like insurance or something?
Can you get a car without insurance?
b/c im getting a car without insurance
""I was driving my husbands car, I was not on his insurance yet. A car hit us while sitting at a stop sign?""
I was driving my husbands car, I was not on his insurance yet (married two weeks before). A car hit us while sitting at a stop sign. The at fault driver's insurance company is ...show more""
First car accident - forgot to get insurance info?
I just got into my first car accident ever today. I have his license #, plate #, address, cell number, but I totally forgot to get his insurance info. The CHP officer did come and file a report though. Do I still need to get it or amI ok? Am I supposed to report to my insurance company now or wait until 5-10 days after the report is finished? Sorry, this is my first time so I don't know anything. My car is is a 95 Honda and he drives a Lexus. There were only some scratches on his car (very minor damages) and mine is pretty bad. Any advice would be appreciated. Happy Vday to me. =[""
Will a dropped speeding ticket affect insurance rates?
Will a dropped speeding ticket affect insurance rates?
Is health insurance under Obamacare affordable?
Hi Everyone, I want to be known something about Obamacare Health insurance, If you have any idea about this services kindly help me about my Question . Thanks in Advance.... Best Regards
How much should I ask for the compensation from insurance?
I had a car accident and the fault side's insurance compay paid for body repair ( abuot $960 in their recommanded bodyshop ) and also the rental (my car is still in bodyshop). I am not sure if I need to ask some compensations for diminished value of my car and also missed work hour on dealing with the accident. I never done this before. My car is 1997 Toyata Collora and the private value from KBB is $3185 (for good condition), some people said the compensation for diminished value could be 40% of the KBB private value, which to me is 3185 x 0.4 = $1274. They are going to replace the right fender, repair and repaint the passenger side door. So I want to know if I ask for $1274 from insurance is fair. I hope anyone can give me some advises on how to deal with this. Thank you!""
""Someone hit my car, but does not have car insurance.?""
I went outside to get in my car, and found that someone hit my drivers side door. A lady came out and told me she saw it happen, but couldn't get any info on the vehicle other than that it belonged to a neighbor's friend. Well I got the girls name and phone # from the neighbor, but they didn't think she has car insurance. Should I even bother calling the girl or should I call the cops and file a hit and run police report? I should note that this girl hit my car about a month ago. I wanted to wait till I had her information. Is it too late to call the cops?""
What 600cc Sports Bike is cheapest to Insurance?
Cheapest i got some far is 750 on a honda CBR 600 im looking at not spending more then 500 on insurance
Comprehensive Auto insurance?
I'm sure someone has already answered this question, but i couldn't seem to find it. Ok I have AAA comprehensive auto insurance and my question is if i was parked outside at a meter and someone hit me would i be covered? Also same scenario just in a parking lot. Thank you, for anyone that answers this question""
Insurance grace period/need insurance to title and register?
In IL, is there any grace period between buying a car and having insurance? Or put another way, will I need to show proof of insurance when I go to DMV to register and get title? My plan was to pickup the car and immediately go to the DMV, but my insurance card probably won't be hear for a few days... will they not let me register it w/o insurance? Also, god forbid I'm pulled over on my way to the DMV (without insurance OR registration) or on my way home from DMV (still no insurance) will there be a problem if I can show (with bill of sale or something) that I just bought the vehicle and am on the way to register it and/or insurance is in the works?""
I need a cheap car insurance?
car insurance
What grades do insurance companies go off of (in CA)?
For the discount on insurance, do insurance companies look from the current term's gpa, the last term gpa, or the gpa overall (in the year so far)? (in the state of california)""
How much is car insurance for a 16 year old driver?
I am about to turn 16 in August. And I'm wondering if you can tell me a estimated guess on how much car insurance will be. My family is insured with State Farm. If there is another company that may be cheaper please tell me. My family has several cars under Sate Farm if that makes a difference. I will be driving a 2007-8 Ford F-150 Lariat 2 wheel drive. I have all A's and have over 60 community service hours. If any of this makes a difference. How much will I start off spending and how fast does it get lowered and what will it get lowered to about?
I bought a car week ago and i get insurance from AIG it costs me $850 for 6 months(full coverage)?
does anybody know cheaper one i am first time driver and my car new toyota scion XA 2006 thanks i really need cheaper one
Do amended tickets affect car insurance? if so how bad?
I need to know if the tickets that i got last year, but had them amended to non moving violations, will still affect my car insurance.""
Car insurance company offered me too low?
A few weeks ago my car was rear ended and has minor frame damage from the collision. The insurance adjustor's checked it out and offered me $700 to fix the paint on the bumper, repair the bumper support and 2 hours on a frame rack. Details about my car: The passenger rear taillight is pushed in about a centimeter - the quarter panel now sticks out a tad and is crumpled in the wheelwell - my passenger framerail has a warp in it from the accident. Now they are claiming that my car was in a previous accident because of filler paint or something in the trunk. They claim that because I have a hole cut into my frame rail that the car was previously pulled and that's where the damage came from. I drove the car for 4 years, I think I'd know if my taillight was pushed in and my quarter panel was sticking out. They told me to take it to an auto body to have it looked at and they would contact them on a final settlement - BUT I feel the car is unsafe to drive. I do not want to drive a car with previous frame damage (fixed). Would I be able to take the money and buy a different car without the body shop doing work on it?""
Reputable term life insurance?
Is there any term life Companies with decent prices that you don't have to take physicals for?
To get maturnity insurance or not?
I am currently 29 years old and just recently married. I have come to a decision I have to make on my health insurance. I am not planning on getting pregnant for at least the next 2 years. So do I or do I not take the maturnity insurance. It would be a differance of 140.00 a month! Crazy since I am on the pill trying not to get pregnant. But it is still possible to get pregnant on the pill, but highly unlikely. So my question is do I take it to be on the safe side or waive it until it gets closer to that time. Money is tight and I hate to sink money into something I will hopefully not need. Any views on the situation would be much appreciated. Thnx.""
What exactly do they do for the exam for life insurance?
What exactly do they do for the exam for life insurance?
Any one know about car insurance for teenage driver in north carolina?
so im going to be driving soon and i will need to get insured. does anyone know how much this will cost if i live in north carolina? by the way, i dont know what car im getting...im looking. ;] so it would be helpful if you could give me a range for different types of cars. oh yeah, and sources would be nice. =] thanks a bunch!""
Rising insurance premiums?
what would happen if (on the 1.1.12)all honest vehicle drivers with rising insurance rates just said no i'm not paying that much, its dearer than last year SHOVE IT then carried on driving""
Does my car insurance cover this?
Somebody broke my windshield with a rock and I don't know if my insurance covers it
""Car accident no insurance no driver license, what can I do about it?""
I got into a car accident last week, and it was the other party's fault. however, the guy doesn't have car insurance or a valid driver license. The cops came and did a report, but never made the guy show his license or give him a ticket (according to the report I got from the police). What can I do about the damage that he did? Can I sue him to get the amount? Shouldn't they impound his car and arrest him? It was a huge accident, my car is messed up in the back now. btw, I'm from Northern California""
Best car for gas and insurance for a 16 year old male?
Hi im a 16 year old male and need a older car because apparently there better on insurance? old as in from 1996-2002 what would be my best bet for gas/insurance?
How much would car insurance cost for a 17 year old male on a 2013 Dodge Charger V6?
Hopefully I could be a secondary driver on the vehicle which may lower the price a bit
Insurance rates for 18 year old?
I've never owned a car but I will for the first time soon. I know that in high school insurance rates partially depended on grades, is it the same way in college? What other things are factors in determining the rate?""
How much would insurance cost for a 2003 bmw 330 ci? 17 years old?
How much would insurance cost for a 2003 bmw 330 ci? 17 years old?
About US Motor Insurance?
Where I can learn the basics of US motor Insurance (need not be state specific)
Car Insurance cost for 18 year old?
I'm 18 and am a beginner in driving and my dad wanted to set up my insurance. The car i would be using would be my dads 1967 Oldsmobile cutlass (classic Muscle car). So i was wondering how much insurance would be at my age with the car i would be using, and with no bad previous record for accidents and/or tickets.""
What is the most affordable life insurance and health insurance?
What is the most affordable life insurance and health insurance?
Does my liability only motorcycle insurance cover a bike I test ride?
Does my liability only motorcycle insurance cover a bike I test ride?
What is the cheapest scooter insurance in California?
I have a 80 cc scooter. I ride for pleasure , not commuting far distance. Right now, I am renewing, but $200 for 1 yr. coverage is to high. I'm a college student, 20 yr. old. I didn't take the driver course. Any students out there who have scooter insurance? what you have?""
Best child Plan or best insurance plan or Mutual funds ?
hi iam 30 year male from india working in merchant navy..i want to invest for future of my child through monthly investment of Rs.5000..please suggest me right way to achive my goal of getting good amount when my child reaches age of 18...i already have LIC jeevan anand..with cover of 10 lakh..and i am also depositing 70.000 p.a in P.P.F...so where u should think i invest to get maximum returns..??
What 600cc Sports Bike is cheapest to Insurance?
Cheapest i got some far is 750 on a honda CBR 600 im looking at not spending more then 500 on insurance
Can you give me any car recommendations?
ok im a 16 year old boy turning 17 next month and my parents are buying me a car.they said that there are some requirements of their own 1.the oldest it could be is a 2005 model(i don't know why) and it needs to be with in our price range which is $10,000 to $20,000.i don't have many requirements just that it needs to have something where i can connect my ipod and phone to the car to play music or make a call and i don't want a honda or toyota because everyone has one of those in my area and at school(sorry if it sounds bratty but it kinda feels weird to me to have a car that most people have in my area). so what are some nice cars in our price range that would be a good first car.also my parents said the insurance cost doesn't matter.""
How much is insurance for the Acura RSX?
I really want on badly but I'm concern about the costs. I am eighteen year old male and this will be my first car. I just got my license as well.
""Why is it that I am still able to be sued for an auto accident if I live in Florida, a no-fault state?""
I've been in 2 accidents. The first was very minor; I rolled into the bumper in the car in front of me at a stop light and scratched their bumper. No damage was sustained to my car, but I am at-fault. The second I was cutting through an intersection that was at a red light and was about to pull into the left-turn lane when the woman in the car that was coming down the lane wasn't looking forward and hit the driver side door of my car. I was already halfway in the lane trying to straighten out into the left-turn lane but I couldn't move when she was coming, because if I moved back I might have hit someone and if I went forward she would have hit me anyway. At the scene the policewoman told me I was at fault, but when I talked to my claims adjuster, she told me that there is some negligence on the other party's part because if I had just randomly pulled out into traffic, the other party would have hit the front of my car, not the driver-side door. I am being sued by the first person and I found out just now I am being sued by the person in the second accident as well. I was told that since I am registered under my parents insurance, the other party can see that they have a lot of assets they can sue for from my parents. My question is, why are they able to sue me so easily? I've done research, and I know Florida is a no-fault state, meaning drivers cannot sue each other unless serious injury occurred, such as loss of life, limb, permanent injury, etc. In both accidents, I did not get ticketed, and I believe no police report was written, only exchanges of information.(Police were called, however. I did not leave the scene) Also both of the other parties did not ask for an ambulance or medical assistance(I know about the feeling pain later thing) but I'm sure if someone was suing for something as serious that can be listed as loss of limb or death, they would have showed some indication of injury at the scene. Both people stepped out of their cars and were fine, however.""
""How to go about getting a motorcycle, license and insurance...?""
i am from kansas and am going to get a motorcycle. can i get a permit? do i get a motorcycle first, then a license? how can i get a license first if i dont have a motorcycle? what is the order of getting a motorcycle, insurance, license? what do i do first second and third??""
Car hire insurance! HELP?
can i hire a car/van with third party insurance or do i need to be fully comp. please help
Do I need to be on the insurance to get my license?
Im about to be 18 and I have an appointment at the California DMV to get my license. I've had my permit for a year. my boyfriend wants to take me. his car is registered and everything is fine but his insurance doesnt cover other people driving his car. can I take the DMV test in his car or not?
I need to how much car insurance will be ?
Im 19 years old an i live in topeka ks. im goin to be gettin a 1994 camaro i want to no how much the car insurance will be since it is a sports car
After a DUI how much does it cost for new car insurance if you are dropped by your old insurance company?
After a DUI how much does it cost for new car insurance if you are dropped by your old insurance company?
How bad would insurance be on a 2000 mustang gt?
i am about get a mustang gt if i can convince my parents that insurance wont be extremly bad i know it will be high but could some ppl give me there insurace rates on a 2000 mustang gt or around what it should be just tryint to get an idea
Am I elgible for Unemployment Insurance. I am a Green Card Holder 3 years and I'm suddenly out of work!?
Am I elgible for Unemployment Insurance. I am a Green Card Holder 3 years and I'm suddenly out of work!?
What is Secondary Auto Insurance?
I do not have auto insurance so When I rent a car is Secondary insurance a replacment for insurance I do not have?
""How much would a $1,000,000 liability insurance policy cost?
I'm planning events at several different venues and this is required. Each event is 4 hours.
How much of a price diference is their between a libaility and full coverage on average?
I have some acidents on my record any my insurance is through the roof.
How do you get proof of auto insurance?
i just got my driver's license, (i'm 17) but i haven't been able to drive yet because my dad says i need to get an insurance card as proof of insurance. It was supposed to come in the mail a week ago. No one else i know had to do any of this, and they could drive as soon as they got their license. is there a faster easier way to get proof of insurance? thanks""
Do you have car insurance through Costco? Did you save money?
Thinking about getting an estimate from Costco. Im a member of Costco and thought I would look into it. Ever have any experience with their insurance? I know its an outside company.
Does any body know what is going on with Obama and the whole health insurance thing?
Okay so I live in California. I am young and can't afford health insurance rite now. Does any one know if Obama is going to follow through with this whole health insurance thing. If so when is it supposed to kick in? And how will it work exactly? Will every body have free health insurance? Some one please explain this becuase I am realy confused.
I got a speeding ticket and no insurance?
well my insurance was expired when i got the ticket. so when i renew it will it still go up?
What is the most affordable cancer insurance for a girl in her 30s in japan?
not including shakkai hoken and kokumin hoken. i got those already. i want supplement 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?
I'm about to be 19. Where should I look for health insurance?
in California I work 2 part time jobs, neither give health insurance and my parents don't get health insurance from their jobs. It's currently Summer break but I will be going to school in the Fall. I asked for help from my bank (Wells Fargo) but my mom said I could find much better prices. Any advice would be appreciated, I need it by tomorrow.""
I scraped the bumper of a parked car. Is it cheaper to pay it off or send it to my insurance?
I have a clean driving record, but i accidentally scraped a car parked next to me. There was a dinnerplate sized scrape, and the guy sent me a estimate for $400. Will it be cheaper for me to send it to my insurance, or pay it out of pocket?""
Way to get auto insurance for $100 a month?
I haven't had (needed) auto insurance in five years. I just got a quote from a few places, and can't believe the cost!! I have an unblemished record.""
""What would be 15,000 pounds after tax and insurance for one month?""
What would be 15,000 pounds after tax and insurance for one month?""
""How can I tell the difference between regular car insurance policy ,and a group insurance policy?""
How can I tell the difference between a regular car insurance policy ,and a group insurance policy?""
""Just paid off my car! I want to lower my car insurance, advice?""
I just paid off my car and I want to lower my car insurance, but I'm not sure how to go go about it. I still want to maintain good coverage but not pay for so much. I'm a 27 year old male, with a good driving record. I would just like some advice on what coverages I could lower or get rid of and still have myself covered. Thanks""
What 600cc Sports Bike is cheapest to Insurance?
Cheapest i got some far is 750 on a honda CBR 600 im looking at not spending more then 500 on insurance
https://www.linkedin.com/pulse/how-much-does-car-insurance-go-up-when-adding-4th-daryl-preisentanz"
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Tax Avoidance and Tax Evasion Spelled out and Exemplified
vrácení daní z Německa There is a crystal clear-slice big difference between tax avoidance and tax evasion. One is legally satisfactory and the other is an offense. Regrettably nevertheless many consultants even in this state do not recognize the distinction involving tax avoidance and tax evasion. Most of the setting up factors that have been advised by these consultants generally fall into the group of tax evasion (which is unlawful) and so tends to place clientele into a dangerous situation and also diminish the value of tax setting up. This may possibly be one of the key causes the place clients have misplaced religion in tax organizing consultants as most of them have frequently recommended dubious techniques which are obviously below the class of tax evasion. In this chapter I present some examples and case studies (such as authorized instances) of how tax evasion (usually instructed by consultants purporting to be experts in tax setting up) is undertaken not only in this nation but in several parts of the entire world. It is real that several folks do not like to spend their hard-attained cash to the authorities. Nevertheless undertaking this in an illegal way this kind of as by tax evasion is not the solution. Good tax preparing consists of tax avoidance or the reduction of the tax incidence. If this is performed correctly it can save significant amounts of dollars in a lawfully suitable way. This chapter also highlights some practical illustrations and scenario scientific tests (which includes legal) of tax avoidance. Why Governments Need Your Taxes (Primary Economic Arguments) Cash flow tax the greatest supply of govt funds these days in most nations around the world is a comparatively latest invention, probably mainly because the idea of once-a-year income is alone a present day notion. Governments desired to tax items that were being straightforward to measure and on which it was therefore effortless to determine the legal responsibility. This is why early taxes concentrated on tangible objects such as land and home, physical items, commodities and ships, as properly as items this sort of as the range of windows or fireplaces in a constructing. In the twentieth century, especially the second fifty percent, governments all over the planet took a expanding share of their country's national income in tax, primarily to spend for increasingly far more high priced protection initiatives and for a modern day welfare condition. Oblique tax on consumption, these kinds of as worth-extra tax, has become more and more crucial as immediate taxation on cash flow and prosperity has become more and more unpopular. But big differences between nations keep on being. Just one is the overall level of tax. For instance, in United States tax income quantities to around one-third of its GDP (gross domestic solution), while in Sweden it is nearer to 50 %. Other individuals are the chosen techniques of accumulating it (direct as opposed to oblique), the costs at which it is levied and the definition of the tax foundation to which these prices are applied. Countries have unique attitudes to progressive and regressive taxation. There are also big variances in the way duty for taxation is divided among distinct amounts of govt. Arguably in accordance to the self-control of economics any tax is a terrible tax. But public products and other govt activities have to be paid for somehow, and economists frequently have solid views on which procedures of taxation are a lot more or considerably less successful. Most economists concur that the greatest tax is 1 that has as tiny impression as achievable on people's choices about no matter whether to undertake a successful economic activity. Substantial prices of tax on labour may possibly discourage persons from doing work, and so final result in decreased tax profits than there would be if the tax rate have been decrease, an notion captured in the Laffer curve in economics idea. Undoubtedly, the marginal rate of tax may possibly have a bigger effect on incentives than the total tax burden. Land tax is regarded as the most successful by some economists and tax on expenditure by some others, as it does all the getting right after the wealth generation is done. Some economists favor a neutral tax technique that does not influence the sorts of economic activities that acquire location. Others favor utilizing tax, and tax breaks, to guidebook financial exercise in techniques they favor, this sort of as to lessen air pollution and to enhance the attractiveness of using men and women fairly than cash. Some economists argue that the tax system must be characterized by each horizontal equity and vertical equity, due to the fact this is fair, and mainly because when the tax method is good individuals may possibly locate it more difficult to justify tax evasion or avoidance. Even so, who finally pays (the tax incidence) may possibly be diverse from who is originally charged, if that particular person can go it on, say by incorporating the tax to the cost he expenses for his output. Taxes on corporations, for case in point, are always compensated in the conclusion by human beings, be they employees, consumers or shareholders. You should notice that taxation and its role in economics is a very huge subject and this ebook does not deal with the difficulties of taxation and economics but instead tax organizing to increase your financial place. Even so if you are fascinated in comprehension the position of taxation in economics you must check with a fantastic ebook on economics which often talks about the impact of different kinds of taxation on the economic pursuits of a country of society. Tax Avoidance and Evasion Tax avoidance can be summed as performing anything doable inside the regulation to decrease your tax bill. Learned Hand, an American choose, as soon as explained that there is absolutely nothing sinister in so arranging one's affairs as to preserve taxes as minimal as attainable as nobody owes any public obligation to shell out more than the law demands. On the other hand tax evasion can be described as paying significantly less tax than you are legally obliged to. There may well be a skinny line amongst the two, but as Denis Healey, a former British chancellor, after set it, "The big difference between tax avoidance and tax evasion is the thickness of a prison wall." The courts identify the fact that no taxpayer is obliged to set up his/her affairs so as to optimize the tax the authorities gets. People and businesses are entitled to just take all lawful methods to minimize their taxes. A taxpayer may well lawfully set up her affairs to minimize taxes by this sort of steps as deferring revenue from just one calendar year to the following. It is lawful to consider all obtainable tax deductions. It is also lawful to prevent taxes by producing charitable contributions. Tax evasion, on the other hand, is a criminal offense. Tax evasion typically includes failing to report cash flow, or improperly claiming deductions that are not authorized. Examples of tax evasion include things like these kinds of steps as when a contractor "forgets" to report the LKR 1, 000,000 funds he gets for creating a pool, or when a organization operator attempts to deduct LKR one, 000,000 of individual charges from his organization taxes, or when a person falsely promises she manufactured charitable contributions, or significantly overestimates the price of house donated to charity. Similarly, if an estate is worth LKR five,000,000 and the executor documents a false tax return, improperly omitting home and professing the estate is only worth LKR one hundred,000, therefore owing considerably much less in taxes. Tax evasion has an impression on our tax method. It brings about a major reduction of income to the neighborhood that could be utilized for funding improvements in well being, education, and other government packages. Tax evasion also allows some organizations to obtain an unfair advantage in a competitive industry and some people to not satisfy their tax obligations. As a consequence, the burden of tax not paid out by people who decide on to evade tax falls on other legislation abiding taxpayers. Examples of tax evasion are: ï?~ Failing to declare assessable earnings ï?~ Declaring deductions for costs that had been not incurred or are not legally deductible ï?~ Declaring input credits for items that Benefit Extra Tax (VAT)has not been paid on ï?~ Failing to fork out the PAYE (pay out as you gain a form of with keeping tax)installments that have been deducted from a payment, for case in point tax taken out of a worker's wages ï?~ Failing to lodge tax returns in an endeavor to keep away from payment. The subsequent are some indications that a individual or small business could be evading tax: ï?~ Not staying registered for VAT even with plainly exceeding the threshold ï?~ Not charging VAT at the correct fee ï?~ Not seeking to problem a receipt ï?~ Providing wrong invoices ï?~ Making use of a untrue enterprise name, deal with, or taxpayers identification number (TIN) and VAT registration variety ï?~ Preserving two sets of accounts, and ï?~ Not giving staff with payment summaries Lawful Features of Tax Avoidance and Tax Evasion Two standard details can be produced about tax avoidance and evasion. Initial, tax avoidance or evasion takes place across the tax spectrum and is not peculiar to any tax sort this kind of as import taxes, stamp responsibilities, VAT, PAYE and earnings tax. Next, legislation that addresses avoidance or evasion should essentially be imprecise. No prescriptive established of regulations exists for analyzing when a certain arrangement quantities to tax avoidance or evasion. This deficiency of precision generates uncertainty and adds to compliance expenses equally to the Office of Inland Profits and the tax payer.
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