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imagining-supernatural · 5 years ago

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Chapter 2: History Class

Cracks In The Dam Series – Bucky’s POV

She’s a quiet engineering and physics major trying to forget the demons of her past, and he’s the campus playboy trying to turn over a new leaf. Their friendship is unlikely, but just might be forged to withstand the cracks in the dams they’ve built to protect themselves. (BuckyxReader college au)

Word Count: 2723

“Hey Bucky,” one of the girls in my history class said with a grin and a wink. I just gave her a slight nod as I finished the rest of my coffee. I didn’t remember her name, but I was pretty sure we’d hooked up once or twice. She didn’t seem too familiar though, so it was probably at least a year ago.

I might not remember the names of all the women I slept with, but I sure as hell remembered their faces. I wasn’t a complete douche.

“Have you started on the term paper we have due?” She shifted her weight, popping her hip out a bit and pushing her boobs forward as she pouted slightly. “I just can’t pick a topic. There are so many good options.”

I wasn’t up for this today. I’d spent all of last night on the phone with Aunt Jeanie, trying to figure out what to do with Rebecca. I was running on about two hours of sleep, five shots of espresso, and a prayer to make it through the day. Chatting with someone who, I’m sure was a great person, but didn’t seem to have much substance around me was just too exhausting.

“I’m halfway done already,” I said carelessly, tossing the empty coffee cup in a nearby trashcan. “Good luck with yours, though.”

And with that, she actually let me pass by. Thank God she wasn’t one of the clingy ones.

Once I was through the doors and into the lecture hall, I surveyed my options. My usual seat in the back was already surrounded by a few of the guys I hung out with and a group of girls. If I couldn’t even handle a conversation with that chick earlier, there was no way I would survive an entire hour surrounded by them.

That left two options: Sit alone or take the seat that always seemed to be open next to Y/N and finally see what she did all hour in her notebook.

It was basically a no-brainer decision.

I’m halfway in my seat before I speak up, giving her no chance to tell me to fuck off. “Another exciting day learning about fifteenth century history.”

“Oh lovely,” she says, not even looking at me. “Another stimulating conversation with Bucky.”

How she knew it was me, I have no idea. But the idea that she was hyperaware of my presence makes me laugh. “It’s been a long two days without me. I know it’s hard, doll.”

“Why don’t you go sit with your harem? I’m sure they need your attention more than I do.”

“Probably.” So she did pay enough attention to me to know where I usually sat. This new information made me grin and sit back in my chair. Was she always this observant, or just when it came to me?

Just as I’m about to say something else, and God knows what would come out of my mouth, she glances at her watch before pulling her phone out of her backpack. Her head shakes slightly as she reads whatever’s on the screen.

“God,” she mumbles. “It’s like babysitting a five-year-old.”

Underneath her slightly annoyed expression is that same small smile she had after that Tony guy drove off on Friday night. “That the dude from your date on Friday?”

“Yeah,” she says almost without thought. At least, I assume it’s without thought because she normally never reveals anything to me. “But it wasn’t a date.”

“Not a date,” I scoff as she types out a text. “Right. Dressed like you were? Doll, that dress you wore was probably more than my last paycheck.”

And just like that, my mind flashes back to that night and that dress. Damn she had a nice body. Just the memory of how she looked was enough to wake me up even more. Sitting by her had definitely been the right choice today.

For the first time since I sat down, she turned in her chair and faces me head on. Her eyes bore into mine and there’s a slight smirk playing around the corner of her lips. Her very kissable lips. Dammit Steve.

“Why so interested in my love life, Barnes? Your one-night stands getting boring?”

And there was the deflection I was so used to from her. So I mimic her posture, leaning forward with my elbows on the desk. “Why so defensive, Y/L/N? Jealous that your best friend found her true love and you struck out on Friday night?”

Her groan was immediate, and it made me smile. This wasn’t just a ploy in our little bantering game. That groan was a genuine Y/N reaction. She probably wasn’t aware, but her walls were slowly coming down around me.

“Oh, God, don’t remind me about Nat and Steve. They’re disgusting. Literally, they’re always making out on the couch or in my kitchen or… ugh.”

Even under her complaining, I could see that she was happy for her friend. She wasn’t one of those girls who got jealous over someone else’s happiness. It just made me like her all the more.

Her phone vibrated again and she read the messages, rolling her eyes.

“Boy trouble?” I can’t help the teasing any more than she can help the glare she throws my way.

“Boss trouble. Gimme a sec.”

As she puts her phone to her ear, I think about her last few words. She’d just excused herself from our conversation. Politely. She probably didn’t even realize she did it, but it was a sign that some part of her liked talking to me.

“Go to the damn hospital, Tony.”

No greetings, interesting. I had a feeling I was about to get a very close look into what made Y/N tick.

“I will drag your stupid ass to the hospital myself.” Didn’t she say this was her boss? “If I’m going to be on my A-Game this week, then you need to be too. I need your brain.” What kind of a boss let their employee talk to them like that? “It’s the whole reason I have a job. I’m going to tell Jarvis to call that ambulance.”

If I didn’t already like Y/N before now, this conversation between her and her boss was certainly cementing it. This was a woman who wasn’t scared to tell someone to fuck off. This was a woman who could give my shit right back to me. This was the kind of woman that I wanted – no, needed – in my life.

“For fucks sake, man. I’ll do the presentation. Your brain is your best asset and no-no, don’t say anything. I regret that word choice already. You need to make sure you didn’t fuck up and ruin it.”

Seriously, what kind of a person did Y/N work for? Whoever it was, she was familiar enough to cuss him out while trying to take care of him. For someone who was pretty quiet around most people from what I’d seen, this was a whole new layer.

“I’ll believe it when a doctor tells me that.” And, without any farewell, she hung up. In the next second, she was dialing another number. “Jarvis, I’m overriding whatever stupid command Tony gave you and telling you to call a goddamn ambulance. Override code: Please and thank you.”

I learned more about her, but there were so many more questions piling up now as she hung up. Her eyes flashed over to me and I grinned. “I’ve never heard anyone talk to their boss like that.”

“You’ve never met my boss,” she said with a weary voice. “You’d understand.”

My mouth opened, but I was once again cut off before I could get any words out. The professor started the lecture and I listened with half an ear. History was interesting to me and I spent a lot of my life searching out the stories on my own, so I knew enough to be able to give only half of my attention to the professor.

The other half of my attention started wandering to Rebecca and Aunt Jeanie, but I quickly pulled it back into place. I could worry about them later. Things were a mess, but I couldn’t let it overtake my entire life.

So I glanced down to Y/N’s notebook to see what kind of a notetaker she was. Instead of dates and names and events the professor was saying, her page was covered with drawings and calculations. I knew she was smart. Nat wouldn’t shut up about how smart Y/N was. But I’ve never seen her in action. She was entirely focused on whatever the hell she was trying to figure out. Arrows, numbers, and scribbled out equations littered the paper.

Just as she got another text and read it on her watch, I leaned closer and saw what looked to be a drawing of a boot.

She muttered something under her breath, probably about the text, and I leaned closer. She obviously wasn’t paying attention to class, so I wouldn’t be distracting her too much. “You a fashion designer or something?”

Obviously not, since most clothes didn’t require advanced calculus.

“Or something.” Her hand on my shoulder pushed me away a bit. “Dude, personal space.”

A few minutes passed where she just stared at her paper with squinty eyes. I could practically hear the gears turning in her head. Damn, I wish I could see her thought process. Instead, I leaned over and pointed at one of the boot-looking doodles she was staring at. “If you’re wondering what color to make it, I’d go with a bright green.”

“Not helping.” She was so focused on her notebook. Why had she even come to class today if she wasn’t going to pay attention? Either she already knew all about the Ming Dynasty and the spread of Islam into Africa, or she was so lost by this point in the semester that paying attention wouldn’t do any good. If the latter was the case, I could use that to my advantage.

For the rest of class, I made my plans. From what I’ve learned about her so far, getting Y/N to spend more time with me was going to be difficult. I had to play my cards just right. She was a busy woman, so carving out any portion of her schedule would already be like climbing Mount Everest. And there was the fact that my reputation preceded me, so I would have to overcome her preconception that I wanted to spend time with her just to get into her pants.

Not that I didn’t want to get into her pants. Any guy would be an idiot to refuse her. And, like Nat said last weekend, any chick would be an idiot too.

But I needed Y/N in my life to keep my sanity. Between her, Nat, and Steve, I felt like I had a chance of making it through my last few semesters of college and talking some sense into my little sister. Three people who weren’t afraid to call me out.

I needed Y/N. Even as just a friend.

“Well, that was a fascinating lecture, as usual,” I said, holding back a grin when Y/N snapped her head up with wide eyes, surprised that class was over.

“I sure hope none of that’s gonna be on the test.” Her weary mumble gave me hope. So she didn’t have a clue as to what was going on in this class.

Good.

That was what my entire plan was built on.

Now I just had to figure out how to bring it up… It wasn’t until we were outside the classroom that I decided to just come out and say it.

“You know, I could help you out with this class.”

“You?” She seemed far too doubtful. “Really?”

Did she really think that little of me? “Hey now, just because I’m hot and sexy as hell doesn’t mean I can’t be smart too. You should know.”

“Right,” she scoffed. But I wasn’t sure if the scoff was directed towards my comments about me or about her. She obviously knew how smart she was. But she had to know how attractive she was, too. I almost said something, but then I caught sight of the way her forehead was scrunched up a bit and the way the corner of her mouth twitched. She was considering my offer.

“No strings?”

“What kind of strings would I attach, Y/L/N?”

She stopped right outside the door and turned to stare at me. I wasn’t unused to having people’s eyes on me, but something about Y/N unnerved me. I tried my hardest not to let it show, though.

She was so close to accepting. I could see it. I just needed to find the right way to tip her over the edge. Coming right out and offering to help her seemed to get her attention. Suppose it couldn’t hurt to be completely truthful.

“Okay. Fine. One string,” I amended.

“Ha! I knew it.”

Tell it like it is. Y/N was friends with Natasha. She had to be used to blunt truths. If I was completely upfront with her, my chances at actually being her friend had to be better, right?

“One string…” I looked straight at her. “Friendship. That’s it. I promise. I’ll help you, but you have to admit that we’re friends.”

“Why?” She was completely taken aback. I guess that friendship wasn’t a request she ever expected from, what had she called me two weeks ago? The campus playboy bad boy?

Since the truth thing seemed to be working, I kept with it. I knew exactly how she would take my reasons, so I just decided to own up to them. “Alright, this is going to make me sound like a complete douche, but it’s the truth, I swear.”

“Spit it out, Buck.”

Buck. Not Bucky. Not Barnes. That was a good sign.

“I like this.” I gestured between us as if there were some sort of a string, or an invisible blob of whatever the hell our relationship was at the moment. “Because you’re not into me. Besides Nat, you’re the only other woman who doesn’t try to get my attention or get into my pants. It’s refreshing.”

Her face twisted into fake sympathy. “Poor Bucky. It must be so hard to have all the women falling over themselves for you. Being the resident sex-god must just be the worst.”

Resident sex-god. Campus playboy bad boy. I would have to file these away for the next time I updated my resume.

I mean, she was right to some degree. “I know, I know. Douchey, right?”

“It’s conceited, is what it is.” Now that the offer was out there and she could start processing everything, she started moving again. I easily kept pace. “I can guarantee you that Nat and I are not the only women who don’t wanna sleep with you. You just never notice the girls who don’t pay any attention to you.”

And that’s why I needed her to be my friend. That’s why I needed her in my life. She called me out on my bullshit and took my ego down a notch. If I was ever going to make it through whatever drama comes with Rebecca, I needed people like her around me.

“You’re probably right. But about our deal, whattaya say, friend?” I had one last argument up my sleeve. “Besides, we’re gonna spend a lot of time together anyway, with Nat and Steve dating. Might as well accept the inevitable.”

She glanced at her watch again, reading the message that came up. Her lips quirked up at the message, then she looked up at me and her smile changed a little, but it was still a smile. That was a good sign.

“Let’s see how the first study session goes.”

My grin was instantaneous. I was going to be late for my next class if I didn’t hurry, so I started walking backwards, away from wherever she was heading. “Tomorrow at one? Grab some lunch while we’re at it?”

“I have to work all day. I can do Wednesday at one though.”

It would be tight with my schedule, but I couldn’t chance her cancelling. “I’ll meet you at your place with food then. See ya later, friend!”

----

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easyfoodnetwork · 5 years ago

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Limiting Capacity May Be a Death Sentence for Suffering Restaurants

Harmpeti / Shutterstock

As some states plan to reopen economies, restaurant owners worry that opening at reduced capacity could ruin their already-limping businesses

When cases of COVID-19 were first reported in Memphis, Tennessee, in early March, Kelly English was quick to close dine-in service at all three of his restaurants. But on April 27, when Memphis Mayor Jim Strickland announced a tentative reopening plan for the city, which includes reopening restaurants to diners, English didn’t start planning a return to normal. He intends to stick to delivery.

“We aren’t rushing to [reopen],” English says. “There’re a lot of factors that go into this. I love my staff, I’m very sensitive to the fact that they’re not working right now. And I’m also very sensitive to the fact that we need to make good decisions for the long term, to make sure that those jobs still exist.” English says that once dining in is allowed in Memphis, his decision to reopen will ultimately be a slow one, first observing how maximum occupancy regulations are enforced at other nearby restaurants and seeing how they fare before he makes a move. He already has a sense for how his restaurants might do at half capacity: “If you came to me, a restaurant with 12 tables, and said, ‘You’re at 50 percent capacity,’ I’m screwed.”

English isn’t the only restaurateur wary of opening hastily, making yet another change to their daily operations.

As some states across the country allow businesses to reopen with limited occupancies, there are still serious obstacles in the paths of restaurant owners. In those Tennessee counties that have already reopened, restaurants can’t exceed 50 percent of their maximum occupancy. Restaurants in most of Iowa will also have the option to reopen at half capacity. Those in Alaska will be limited to 25 percent capacity, and will only seat diners who make reservations in advance.

Ryan Pernice, who owns three restaurants north of Atlanta, didn’t jump with excitement when Georgia Gov. Brian Kemp released a list of 39 guidelines in advance of a push to open certain businesses — including restaurants — on April 27. Most notably for restaurant owners, the guidelines do not allow more than 10 patrons per 500 square feet in dining rooms. After Pernice closed his restaurants on March 17, leaving just one of his restaurant kitchens open for delivery, he sat down to crunch some numbers.

Even with the lights and the walk-in refrigerators turned off, running a restaurant remains an expensive endeavor. Pernice decided to continue paying for services, like pest control, that couldn’t just be ignored, as well as major costs like rent and outstanding vendor invoices. To break even and cover expenses at Table and Main, Osteria Mattone, and Coalition — his three restaurants — would cost $4,128 a day. Though he’ll take the measurements and rearrange the tables to see if reopening is feasible, Pernice can’t imagine hitting that number with only half of the seats in his restaurants occupied. “Not having run the numbers, I seriously doubt that in Table and Main, a tiny restaurant of 1,800 square feet, that I could make more doing sit-down dining than I can right now through our takeout … I think there’s very little to be gained by being the first to this party, in terms of opening the dining room again.”

Though some restaurants in Atlanta and across Georgia made the decision to reopen to diners, others echo Pernice’s sentiment: They’d rather stay closed until opening doesn’t feel so perilous. Glenn Singfield II owns two restaurants in Albany, Georgia, a city that has been hit hard by the coronavirus. Last week, two of Singfield’s friends passed away after contracting the virus, and his aunt just recovered. With a diabetic mother at home, Singfield spent the better part of last month at home with his parents after closing both of his restaurants. Just last week, he reopened Albany Fish Company, the smaller of his two restaurants, for takeout and curbside pickup. The Flint, his 10,000-square-foot location, remains closed.

“I’m going to support my governor, and I want to support my mayor and my civic officials,” Singfield says. “But I still have a choice. And our choice was to continue to do business as we’ve been doing it until we can see a major curve in coronavirus. And until we can find a conscious way to make sure our customers, employees, and ourselves can be safe.” Though he doesn’t know when he’ll reopen his restaurants, Singfield has already rearranged Albany Fish Company, and is putting up plexiglass partitions to separate diners from servers. He’s having a harder time imagining what the Flint will look like when it reopens. “When you’re at a fine dining restaurant, it’s an experience that you come for, not just the food. If you’ve got to wear hazmat suits, and you’re spaced out, what’s the purpose of it? We do live music, it’s a party every Friday and Saturday night. But I’m not going to jeopardize anyone’s safety for anything.”

Half occupancy doesn’t add up

On weekends, a line stretched out the door of St. Kilda Cafe and Bakery in Des Moines, Iowa. Alexander and Whitney Hall, the restaurant’s owners, would pack guests in, the din of service rising as the restaurant filled to capacity with diners stuffing themselves with breakfast tacos, pastries, and all sorts of breakfast-appropriate cocktails. Restaurants in Des Moines — in one of the state’s hardest-hit counties — are still operating under tight restrictions, but as restaurants in 77 other counties begin to invite diners back inside with spaced-out tables and a limit of 50 percent capacity, it’s certain Des Moines will follow after.

These occupancy limits are a serious hurdle for cafes and restaurants across the country that rely on busy weekend service. “That weekend is so vital to daytime cafes … We do 75 percent more revenue on Saturday than we do on Tuesday, for example. So if we lose that weekend we’re relying on being bustling and busy, it would make us hemorrhage even more money,” Alexander Hall says. “I know the restaurant business pretty well. I’ve been doing it for 27 years, and at 50 percent capacity restaurants don’t work. Unless the landlord gives you 50 percent rent, and MidAmerican energy is giving you 50 percent off the [energy] bill.”

In New York, the prospect of dining at a restaurant is still hard to imagine, and some restaurateurs are trying to envision how they might operate their restaurants at half or quarter capacity. As they crunch numbers and drag tables away from each other, they’re not much more optimistic than Hall. “Our busiest services are weekend services in particular, where we like to pack them in and pack them out,” says Claire Sprouse, the owner of Brooklyn all-day cafe and bar Hunky Dory. “They carry the rest of the week for us.” If the restaurant saw only half of the weekend customers it did before the coronavirus, Sprouse estimates her restaurant would bring in 40 percent — not half — of what it once did. “For us to survive, we would need to be doing a fair amount of takeout to make up for those missing seats. … Something has to give.”

The cost of reopening

For restaurants that already operated on razor-thin margins, reopening isn’t just a judgment call. When the time comes, it will cost Alexander and Whitney Hall $15,000 to reopen their largest restaurant. Glenn Singfield reckons it will take $25,000 for both of his restaurants to become operational again. To switch the lights back on, restock all of the refrigerators and bulk bins, bring in a cleaning crew, it’s an extremely expensive ordeal.

To reopen at such high costs only to serve a half-full restaurant isn’t feasible for many restaurateurs who were barely holding on already. “It is not as simple as turning on a light,” says Pernice of his three restaurants. “We’ve been trying to turn as much inventory as we can to cash. We’ve been trying to get everything that’s worth a dollar out of the restaurant. If we are to open, it will cost a lot of money to restock. And we in effect haven’t been open for six weeks. So there’s some planning toward how we use the precious money we have.”

Singfield says he’ll have to “piece it together” when it comes time to find the funds to reopen his restaurants.

For many of these restaurateurs, there’s a concerning backdrop to the already-difficult conversations being had about the risks of reopening at limited capacity. Restaurant owners who accept Paycheck Protection Program (PPP) loans are in a bind, as the loan is only forgivable if all full-time staff are rehired by June 30. How, these restaurant owners are trying desperately to work out, can they hire back their entire staff if their restaurants are only operating at half or quarter capacity?

In New York, and other states that have yet to reopen, and where occupancy limits are inevitable once they do, a PPP loan can feel more like a burden than a gift. “It feels really scary to take on potential debt even though it’s like, maybe forgivable when the timeline for reopening is so vague. And then there’s no clarity about whether or not we can open in a full capacity,” says Carla Perez-Gallardo, a co-owner of Lil Deb’s Oasis, a snug neighborhood restaurant in Hudson, New York.

Lil�� Deb’s Oasis has a legal capacity of 30 people, and the restaurant’s owners can’t see a way to hire back their full-time staff members while serving a half-empty restaurant. “The pressure is on businesses to pay their employees that they’ve hired back, at a time in which they may not even be able to pay their rent,” says Perez-Gallardo. “It feels like an odd narrative to be moving toward at a time where it doesn’t feel possible.”

The path forward is extremely uncertain for restaurants, whether they apply for and are given a PPP loan or not. Resources and guidance across the country are limited, and restaurant owners are left to ask questions that no one, it seems, will answer. “For us, the best-case scenario would be to have flexibility with our landlord and for our local and our federal government to provide some relief or guidance in how to move forward,” says Sprouse, who applied for a loan but has yet to hear back. “Right now it’s like they’re putting a Band-Aid over a severed leg.”

from Eater - All https://ift.tt/2SmVRYY https://ift.tt/2KSIaNm

Harmpeti / Shutterstock

As some states plan to reopen economies, restaurant owners worry that opening at reduced capacity could ruin their already-limping businesses

English isn’t the only restaurateur wary of opening hastily, making yet another change to their daily operations.

Half occupancy doesn’t add up

The cost of reopening

Singfield says he’ll have to “piece it together” when it comes time to find the funds to reopen his restaurants.

Lil’ Deb’s Oasis has a legal capacity of 30 people, and the restaurant’s owners can’t see a way to hire back their full-time staff members while serving a half-empty restaurant. “The pressure is on businesses to pay their employees that they’ve hired back, at a time in which they may not even be able to pay their rent,” says Perez-Gallardo. “It feels like an odd narrative to be moving toward at a time where it doesn’t feel possible.”

from Eater - All https://ift.tt/2SmVRYY via Blogger https://ift.tt/35o5fRm

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cyberdelusionphilosopher-blog · 6 years ago

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I purchased car insurance from RAC last year, they then annulled it as said I could not use my no claims bonus on two cars and sent me a new quote. I rang them up and they then said I haven't sent the no claims bonus documents in so I faxed them through once again, I advised I received this letter but they said just send in the documents which I did. I also never received any documents for my cover so had to request these myself which were sent by email for 25.00 :S. After hearing nothing back I rang rac for an update who said my new insurance quote was double the original quote!! I haven't signed any paperwork or received any paperwork advising they automatically gave me new insurance. I asked them to cancel but they said I have to pay 1000 as well as them keeping my deposit and paying for the first months insurance..1000?? I told them no. Paid what i owed for the first month. Now they are sending me letter telling me to pay..do I really have to do this?? I haven't signed anything even for the original insurance as they never sent the paperwork out, and as the insurance was annulled can they really automatically start a new insurance without my permission?? Thanks in advance""

Is the premium the only determinant of how much your health insurance costs?

Does the deductible matter? Does a possible subsidy change things? And most importantly, are you taking into account what you would have to pay out of pocket for things your junk plan does not cover? In the long run, even if your premium goes up but you get better coverage, you will save money.""

Abortion insurance?

I'm doing an essay on abortion and had a quick question about insurance. Does Obamacare cover abortion at planned parenthood in Seattle, Wa?""

Why did my lawyer tell the car insurance company to pay PIP directly to me when I asked to have my bill paid?

I spoke to my auto insurance company because my lawyer took two months to file my personal injury protection claim. Once, I took action into my own hands then I was assured that the woman handling my case from my car insurance company would see that my PIP paid for my medical expenses because I don't have health insurance. However, another month has passed and I have heard nothing from my lawyer about my case even though I call his office every week. So, today I received a letter in the mail from my lawyer office to my claim insurance person. It has her name on it but my address so I am not sure if it was intentionally sent that way or not. Yet, I read over it and it tells my insurance claim to pay the PIP directly to me and not to the medical company. What do I do about this? Has anyone gone through something similar and can you give me some helpful advice? I don't know if my lawyer is trying to add my PIP with the rest of the money that I will get so he can get a bigger chunk or if he is trying to get my PIP to me instead? I do know that I would like to pay for my medical bills as I am a college student in debt and don't want anymore hassle.""

Is $110/mo a good price for motorcycle insurance?

I'm 18 years old, i have no tickets or citations on my record. It's a 250 cc kawasaki ninja.""

I need Health and Dental Insurance in NJ?

I'm self Employee, 30 year old male I need a Really good Health and Dental Insurance in NJ what are the best companies that provide my needs Under $700 a month, I dont need vision insurance""

Affordable health insurance?

Since money is tight, we are going through the state for health insurance. It's a pain especially since my weekly pay changes all the time so they want it called in to see how much they have to charge us every month. At least my husband's pay stays the same. I see health insurance ads on tv and online but not sure which is affordable and even more important legit enough to go with. Any suggesttions?""

affordable insurance pawtucket

2000 HONDA CIVIC CAR INSURANCE?

I'm 18 and a girl and have had my license for 2 years. My car insurance is 170$ a month, is that a lot? I don't know much about cars but it doesn't seem right. I only have full coverage for my medical and not my car. I have AAA car insurance. HELP please!""

Will insurance cover us?

i just enrolled in insurance through my work a few days ago but coverage doesnt kick in until january. my wife went to the doctor today and i found out its gonna cost 1400$ for blood test. will they cover things from the date of enrollment or the day coverage starts?

Change something in my Progressive insurance?

so when i got my insurance with Progressive, i was keeping my motorcycle outside, but now i keep it in a garage. Is there any way i can change the part of my policy where it asks where i keep my motorcycle? I was hoping me keeping it inside would get me a lower rate. Thanks!""

How much Michigan will fine me if I drive without insurance?

I was driving and accidentally a police officer stopped me because I crossed the red light, and he requested my car insurance but I don't have one. Now I got a ticket and a fine for driving without car insurance. How much will Michigan state fine me?""

Nj motorcycle insurance?

im 23, male, have a pretty good car driving record (if that helps), but my credit isnt that good. how much (ball park) would it be in nj for motorcycle insurance. im planning on purchasing a bike in the next 8 months and wanna know how much i should expect to pay for insurance. i will get a quote, i just wanna know from you guys a rough estimate. thanks""

Can a college student go back on her parent's insurance?

I am a college student and in 09 I went off my moms health insurance and went on my work ins. If I move and leave my job I may be left without ins is it possible to go back on my moms insurance? I heard you can stay on your parents ins if you are a college student until you are 26 not sure if I can go back though.. Any info will help!

Long Term Disability - Life Insurance?

If you were no longer able to work and went on short and then long term disability from your job and then you die, is your family still eligible for life insurance that you had through your employer?""

What make and model is the cheapest car to get insurance on?

what make and model is the cheapest car to get insurance on? for a 22year old female

What is a fairly average car insurance rate when a you add a new driver in the family?

A family member is getting ready to get their license, and I wanted to know if car insurance rates would go up, and what a likely rate would be.""

How can I get my car insured?

I am the only driver within my household and am 16 i need my car insured in order to drive it and keep my job...insurance companies want to charge me 1400 A MONTH for my car due to age...is it possible to put it in someone elses name that does not live on resisdence??....any help would be great!!

How Much To Insure My Bmw 318 I Se Auto?

Hi, I just passed my test a month ago and im 19 i just bought my first car the BMW 318 I Se Auto 1.8 litres and was wondering how much it would cost to insure this car and if there was any way i could get a cheap deal from anywhere, like traders insurance. please help! finding insurance is doing my head in :| Nd Yh im In The Uk :)""

How much will my insurance go up after a fender bender?

Im 16 years old and i have progressive, this morning i hit a car, there was only a couple scratches on the other car as i didn't hit it hard, and no damage to my car. The police werent called we just exchanged info, so how much will my insurance go up for this accident. if you can even call it that.""

How much does it cost a car insurance in NYC?

not a new car

I Need Car Insurance Help?

I am about to buy a new car and will be 17 maybe 18 when i get it. Its a 350Z so it has to be 6 cylinder which means its a sports car. How much will it raise my insurance.

Honda CBR 600 insurance...should i get collision?

I just bought a 1995 CBR F3. My first bike I got last year was a klr250, rode it since last summer all year (no car for me), even rode in the snow for the hell of it. For the KLR250, my insurance was 200 a year all minimum with only like 500 for comprehensive. For the CBR, my insurance im looking at is going to be 200 a year without anything, only the minimum liability. I like the fact of how cheap it is, but even though I have great experience with motorcycling, should I just go ahead and get bare minimum insurance? Bike cost me 1800 dollars, awesome condition. valves all good, just putting in a manual CCT this week. Its cheaper than the KLR (i got it for 2k), but i dont know why im feeling i need so much more coverage this time. Maybe cause the bike is CLEAAAAN. What yall think?""

Can I drive my friends car without insurance?

Can I drive my friends car without insurance? I don't own a car. I don't have auto insurance. If I borrow a friends car, am I covered under his insurance? is there a special type of insurance for people like me?""

Question regarding Car Insurance Policies?

What if someone who was a driving a commercially insured vehicle (company car) hit me yet the person who was driving the car was not an employee and thus not covered by the insurance? Will the person still be held liable and will the insurance pay for my damages? Sources are appreciated. Thank you in advance

What is the best Home Insurance?

What is the best Home Insurance company? How much should I expect to pay each month for Home Insurance for a $300,000 brand new home? Are there things that I should include in my Home Insurance policy that is not mentioned to me? The home is in Fresno California.""

Car Insurance question....?

Ok, so I'm 24 about to turn 25(apparently that's when your taken out of the pool , or so I've heard, which means my rates should lower.) However my insurance will expire before I turn 25, and there will be about a 3 month gap between those dates. I was wondering if I could get car insurance to cover those 3 or so months, or would I have to buy a 6 month and then get another quote later?""

I want to buy a moped in california?

I want to buy a moped under 50cc in california, and I am 15 with a drivers permit. Do i need a license to ride a moped under 50cc? Also, would i need insurance, or a license?""

Car insurance question?

does AAA car insurance have sr22's? If so how much do they raise the premium?

Car insurance?

I was given a car from Texas would I be able to insure the car with Texas plates ? If not how would I go about getting it smogged & insured if I can't drive it ?

Health insurance.......... ?

I live in illinois i'm18, turning 19 in july. I got all kids insurance. I got ppps, i have to get them surgicaly removed. and i need to get circumcised. Will the insursance cover all that?""

Problem with my car insurance company?

Just before new year, sitting stationary at a roundabout, old guy bashed into back of me. Exchanged details and went through the insurance. Nearly 4 months on...and my insurance company is still chasing liability. Meanwhile, my premium was due for renewal at end of Jan and that has gone up and my insurance company tell me they have problems with the other insurers as they don't answer their phones. They tell me they're sending out letters every 2 weeks and are trying to phone them. I don't think this is enough, especially after all this time. Basically, I'm being held over a barrel. I'll bet the old guy has got his car fixed now, but meanwhile even though I've done nothing wrong, I'm paying out more money and still have rear damage to my car!! I'm getting really sick of it, especially as I need to sell the car soon. It's completely ridiculous. Please wait for rest....""

Insurance question?

Well I'm under 18 and don't live with my parents. my job doesn't offer dental or health insurance. I need to go to an orthodontist to get a check up, and I may need some kind of retainer, braces etc because of jaw pains. Is there a way you can make payments without insurance? Or get some kind of plan? If I can't do anything until I'm 18 what kind of insurance should I get? thanks!""

affordable insurance pawtucket

Should I buy Supplemental Life Insurance?

My company already provides me with Basic Life insurance and AD&D insurance. Should I still buy life insurance for me and my family?

How much will an Acura integra GSR 2 door insurance cost?

Can you get insurance on a vehicle if your license is suspend?

Help With Residency and Car Insurance?

If my mom lives in Arizona and I live in New York and my car is in her name and so is the insurance and I am just a driver on the car then if i change my residency to New york and she stays in arizona will it be an issue? I have my car with me in new york (going to school) but the insurance doesn't know that. Can i change my residency to new york withouth having to change the car insurance if it's under her name and i'm just a driver? anyone explain please because im paying out the butt for tuition because i'm 'out of state' even though im not just because my mom doesnt want to mess with the insurance

State Farm vs. Farmers vs. All State? which is best?

I am seriously considering becoming an insurance agent for State Farm, Farmers or All State, but I don't know which company is the best choice for me, I am bilingual in Spanish, so I am looking for a company that is going after the Hispanic Market. I have heard some bad things about Farmers, so my decision might be State Farm or All State. Nationwide is doing a great advertising campaing in the Spanish market, does anybody know if they offer agency jobs. I am open to other suggestions. Any help/Suggestions is very much appreciated. Gracias""

How can i move and keep my old states insurance??

I plan to move to Ny and i got a quote from my car insurance company and it is ridiculously high. Is there a way to keep my insurance without changing it to where i plan to move to?

How do i get individual health insurance quotes for southern California?

i am soon shifting to southern California. how can i know if my if insurance will skyrocket or stay more or less the same so i know if getting it is justified or not. also where can i get quotes for it?

Does the insurance rate go up if there's a gap?

I dont have insurance for the last 4 months.. I had it for 3 years before

Can my car be registered in Arizona but have Cali insurance?

I'm in the military, stationed in San Diego, and I recently purchased CA car insurance. I got a letter from the AZ DMV saying that I couldn't do that. I went down to the CA DMV today with the intent to switch my registration to CA. The lady helping me told me that I didn't have to switch states because I am in the military. I don't what state to believe now...""

Car insurance help????????

i have a cousin who is 16 n has a license, i am going on a trip for couple of months, i am wondering if he could drive my car legally if it is insured under my name. just becuz is costs him like 200 bucks for month to have insurance. Is it the car or the driver who needs to have a insurance or does it differ by state, and my cousin lives in kentucky""

Auto Insurance questions?

I just bought a new car and moved out of my mothers house. I have been on her auto insurance as well since I was going to school while I was living there, after graduating, I finally ...show more""

Would a married male receive a lower auto insurance rate?

Car insurance question?

If I make a down payment of around a quarter of the car price ($4,500 for a $18,000 car) when I buy and also get comprehensive insurance on it. After two years if the car gets totaled- how much will I get from the insurance company?""

Anyone know any Vision Insurance Companies?

Trying to find vision insurance.

Car insurance?

Ok so i just passed my driving test so now im gonna get a car soon, what car insurance is the best for someone whos my age (21)?""

Does my parents insurance still cover me?

I'm 19(turning 20 on Dec 1) & I live in California(southern CA) Not in school right now, still looking into trade schools will attend school in spring '11. My parents have health insurance but since I was 18 it stopped covering for me. Insurance covers almost all costs though sometimes we have to pay a small percentage. Now this new bill has passed & I was wondering if it will cover me? Or should I apply for Medicaid? Currently looking for my 3rd job. Previous jobs did not give me health insurance. Thanks""

Why should each of these people get insurance?

When you are broke in what order should a , young married couple without children, 18-25 single person or single 18-25 year old parent purchase different types of insurance? Why?""

Health insurance from company?

how come my coworker pays only 20 bucks per paycheck for the health insurance, and i need to pay 50 bucks?""

Insurance under 4000 for 17 year old?

Ok, well I'm 17 (male) and have passed my driving test. I have compared many quotes for all the worst and lowest engine cars, like corsa 1.0, peugeot 106 1.1 etc I just can't seem to get a quote under 4000! Does anyone know if there is anything I can do to get affordable insurance? I heard that insurance for 17 year olds has doubled in the past year but didn't reckon it would be this much! Any help you can give would be greatly appreciated :)""

""Whats cheaper, paying for gas or car insurance?""

Im getting my lisence soon, and my mom said i can have her car. Its a 2001 chevy malibu, she said if i pay for gas she'll pay for car insurance. Well with gas prices rising what would actually be easier for me to pay?""

Pregnant with no insurance?

I recently moved and I no longer have health insurance. I am 33 weeks pregnant. I do not qualify for Medicaid. are there any other inexpensive options? I am currently working part time but I won't be working for much longer.

Insurance company offers online business insurance?

hi, ive been trying to set up this business for the longest time now and my only problem is insurance. i need general liability insurance just incase i ship something out and a customer tries to blame my packaging and sues me. im selling coral and LED lighting. the insurance companies i tried were hiscox, nationwide, state farm, bolt, and so many more i dont even know the names anymore. they all say they dont offer any type of insurance for businesses that sell products or they dont offer insurance for online selling, does anyone know an insurance company that will be able to give me insurance for online selling? i only need $300,000 coverage i dont want a million dollars because then its to expensive and i know no one will sue me anyway the way this industry is ive never heard of someone sueing EVER my dad just wont let me start the company without insurence""

Car accident and switching insurance?

Hi, I was with insurance company A and was planning to move into company B in the next few days. I finalised the quote and premium amount and even received the new set of insurance documents from company B and informed the company A of cancellation. But today i met with a minor accident due to rain puddle leading to my car skidding and causing damage. I have filed a claim with company A but I want to understand how this will affect my premium rates with company B. Do I have to inform them beforehand? What will be the best course of action?""

Car insurance rates for teens?

I just got my drivers license a little more than a month ago. My parents are telling me that they're going to wait for another year before they add me to their insurance policy because it'll be less expense by then. Is this true? I also read somewhere that the earlier you add a teen to your insurance policy, the rates will lower quicker because they insurance company know that i'll have some experience by then. So if my parents add me to their insurance policy now, would it be lower in a year compared to them waiting a year for them to add me?""

Car Insurance (Geico) ?

My parents don't have me on their insurance but I have a license does geico know I have my licence because I live with my parents? And by how much will they raise the insurance cost if they put me on?

affordable insurance pawtucket

What laws in California can a doctor use against me for spending insurance check?

What laws exist in California that a doctor can use against me if I spent the money the insurance sent me for medical services he performed?

Where can I get the Cheapest Car Insurance Quotes at Online?

How can I find the cheapest car insurance for me? I just got my first car and I know I will prolly pay a lot for insurance but how can I check for deals? I am on a really tight budget but at the same time, I only have a second-hand car so I gotta make sure I get insurance that will pay out if I need to make a claim. Where can I get the cheapest car insurance for my car at, and how reliable is it if I need to claim??""

""Is it possible to get insulin for a type 1 diabetic with no insurance, medicare or medicaid?""

My fiance has type 1 diabetes. He gets food stamps, but doesn't qualify for SSI for some reason. He's only 26. I am the only one working, getting minimum wage, and little hours. We can't afford to pay a doctor $100 just for them to tell him he has what he knows what he has, and to get a prescription that cost twice that. It just seems like a vicious cycle we cant get out of.""

Being denied by insurance for pizza delivery?

I applied for a driving postion at a local pizza resturant, and when i went in for the interview I was told so long as the insurance approved me i would start training in a week, and when i called today i was told the insurance did not approve me, and was not given a reason why, and i have no tickets or accidents at all on my driving record, any body in the insurance or pizza delivering bussiness know possibly why i was denied by the insurance?""

I am planning to leave the country for two years and have a car insurance question.?

I will be out of the country for two years doing a peace corps type volunteer program, I am currently on my father's car insurance and don't own my own car. I pay about $400 a year to have the right to drive one of his cars. Is it worth cancelling my insurance for two years or will the uninsured penalty be worse. I am currently 22 and a recent college grad. Thanks for any help.""

Car Insurance for a 2007-08 Mustang?

Can anyone give me an estimate on about how much a 17-18 year olds car insurance would be if they were to drive a 07-08 ford mustang please.

Cheap car insurance companies?

i've just passed my test and own a renault clio sport 1.4 w reg all insurance quotes have been over 3000 pound does any one know where to go for cheap car insurance

Do car salesmen get free dealer insurance to drive any car?

As above, I've been offered a job by a franchised motor dealership, just curious if as part of the job you get free insurance to drive all vehicles? And do you generally get a company car. It's a big part of the decision I have to make. Any help or advice would be great.""

Cheapest car to insure for a 18 year old?

How much is it for car insurance for a 17 year old in long island new york?

my mom had a 2002 honda accord that she just bought a week ago and we need to get it insured but she doesnt have a permit or licence bc her permit has expired in the year of 2010 , so now what she wants to do is, get a car insurance under my name . im going to be 18 in early june . and i have my permit .""

Car Insurance for Teens?

What can we expect for a 16 year old to pay on a monthly base if he has his OWN insurance (as in not co-insured with the parents). This would be in Texas. I am pretty sure that there is a great difference. Just trying to familarize myself with the whole deal and trying to figure a ballpark amount. Any tips you might have are very much welcome. Thanks!!!

Cheap cars with cheap insurance?

I'm learning to drive soon, BUT every member of my family and I are all broke. Long story short, I need some examples of cars that are cheap to buy, have cheap insurance, run well, and don't drink fuel like a goldfish in water (as I will be using it to get to college and back then later uni and back). PS, I live in England, so no cars that are about as rare as an honest politician in this lovely rainy country- even if it is the best car in the world, I'm way too lazy to search for it.""

""17 yr old in uk, looking for any tips to get cheaper car insurance.?""

looking for helpful tips to legally lower the price of my car insurance ie what company to go with, whether i should put my mum on my policy etc.""

Child support and health insurance???

If someone is going to provide health insurance (and dental,vision) for a child does that lower child support even a little??""

Cheap car insurance in PA?

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

How can our teen get health insurance in California?

He's 19 and a part-time student. so he no longer qualifies for our Kaiser Permanente coverage. We seemed to have missed the deadline to cover him by COBRA. In a few months he'll be taking full-time classes again, so he can go back into Kaiser, but knowing him he'll catch the flu or Dutch Elm Disease or something just to bug me. Is there any affordable way to get him covered for the next few months? Would he qualify for Medi-Cal (Medicaid)?""

Does each driver of a specific vehicle need to have car insurance?

Does every person who plans to drive a specific car need to have their own insurance? My husband and I are about to buy a car, and we're wondering if we both need insurance or if just one of us could have it. We would both like to be able to drive the car. (we'll be living in Idaho, if that makes a difference)""

Should I take off full coverage and just get liability insurance on my car?

I have a 2001 Ford Taurus worth around $5k according to kbb.com. Should I take full coverage insurance off of the car and just get liability? I am not accident prone (though I ...show more

Teen girl car insurance premium?

I was wondering if anyone had an idea of about how much it would cost me. I'm buying (maybe) a 2004 ford focus with 53k miles on it, but it's going to be under my stepdads name (I only have half the cash right now and I need a car to get back and forth from classes in a couple weeks when I start at a local university so he's buying it and I'm paying him back). We also have a stage 3 2014 roush and a 2012 Nissan Titan on our plan. I know the (6 month?) premium on the roush is a little over 1300, but I'm not sure about the Titan, and im not sure if that will affect it. Im pretty much wondering about the insurance on the focus considering the fact that im a 17 year old teen. I have a part time job and I'm a full time student, though and that helps a bit. I also took drivers Ed. And I'm a mostly A with some B's honors student. So insurance price in terms of me?""

More expensive insurance?

Is insurance more expensive for a new car than a used one assuming that it's the same model from the same manufacturer?

Motorcycle Insurance?

I would like to purchase a motorcycle this summer, something between 500 CC and 650 CC. I was wondering what my insurance rate would be. I am 19 years old and currently pay 2000 a year for my 06 Subaru Impreza. I have a clean driving record and currently have nationwide insurance.""

LoJack on a motorcycle or comprehensive insurance?

I just bought a brand new bike and I live in Florida where bike theft is very big. I want to get some protection as soon as possible. Comprehensive insurance which would cover theft will run me about 730 per year with a 500 dollar deductible. The Lo Jack unit will cost me about 800 installed and it is a one time fee, no monthly payments and it lasts forever. The recovery rates on a bike with lojack are very good from what I've read, I just want to see what everyone thinks. These are the two options and please only answer if you have good knowledge of lojack and how well it works. The only problem is that it doesnt cover things such as damage during theft, storm damage, and things that the insurance would (Then again it still has that 500 or 1000 dollar deductible). An alarm would possibly be an option but I'm leaning towards the two I discussed above. Just let me know what you think because I dont want this bike leaving without me on it.""

""I am 30, and took out a life insurance policy on myself...?""

Since its over 100,000...They have to take blood and urine...why?""

Would applying for car insuance quotes give a bad record?

I'm searching for car insurance but I am not sure if applying for a quote online will give me a bad record. Like applying for a credit card does you know.

I found an old insurance policy from 1970 and can't find the insurance company now?

I have the insurance policy number. It's Reserve Life Insurance. I can't find anything with just that name.

affordable insurance pawtucket

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A car insurance for a new 41 year old driver in london.?

"A car insurance for a new 41 year old driver in london.?

I am thinking of buying a second hand vw polo 1.4 (2009) So the question is how much on average I would pay monthly for the above car. Thanx in advance

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

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

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I know it is hard to get an exact quote without knowing all the information, but I just need a range. I am looking at a 196cc 5 speed dirtbike that has been made street legal, and just need ~3 months of insurance. Would this be in the $100-200 range? Higher? Lower?""

How much will it cost to insure a new amusement park?

Auto Insurance help thanks?

I am 16 thinking about getting me a car in the next year (17) can i get on my own insurance plan or try to get on my moms (me and my mom don't look eye to eye) so i don't think she wouldn't do it and if not how much would it cost if i get on my own insurance and what would be the best insurance for my age thanks so much.

How much do you pay for car insurance?

How much will my car insurance be as a new driver?

I'm learning to drive as a necessity for a new job, but I am struggling to get a reliable estimate of the insurance premium I should expect once I have a car. I know that nobody will be able to give me a precise figure as it depends on so many variables, but I wondered if anyone would know what to put into a quote generator to get something accurate? I'm female, in the UK, 27 years old and will need a cheap and cheerful 5 door hatchback. Unfortunately I don't know enough about engine sizes and that sort of thing to know if I'm answering the questions on the form realistically. I tried compare the market and got a cheapest quote of 3,700 per annum - does this sound right? I know it will be expensive but even so that seems very high for a 1999 Vauxhall Corsa! (the car I used to get the quote). I do realise this is a very subjective question but any advice is greatly appreciated - at the moment it is looking like I won't be able to take up a dream job offer as all I will be doing is working to pay for a car that I oly got in order to take the job :(""

""For pain and suffering money, how much is enough to ask for from your own car ins. company?""

I was in a car accident where the other driver was at fault (under 18 yrs old, no drivers' liscence, no car insurance, failed to yeild). My car was in the shop for 3-4 weeks, I just finished chiropractic care, and my ins. adjuster is going to meet w/ me soon. I have full coverage insurance plus 'uninsured drivers insurance'. So anything my regular car insurance doesn't cover my uninsured insurance pays for anything else. But he also let me know I will be getting 'pain and suffering money. How much should I ask for?!?! I don't even know an estimate of what I should ask for. The worst thing about it is, since the other guy doesn't have insurance, my dealing with my own insurance company. They said after my claim is settled, they will turn around and sue the other driver. I don't want to end up sueing my own car insurance company either. this is my first car accident.""

Adjudicated speeding citation: what happens to insurance in Florida?

My parents handle my car insurance (Hartford). Go to college in Miami. Parents also live in Miami. Got my 1st speeding ticket (38 mph in a 30 mph zone), took the class, had the citation adjudicated/cleared. Would rather not have my parents find out. A) Will the insurance show my driving record or citation history to my parents? B) Does Florida law allow ANY charges to insurance after points have been cleared?""

Can you insure a car without a company?

Do you have to go through a company to insure your car, or can you do it yourself? What I mean is that you could put a large sum of money to one side in a deposit and get back what wasn't spent on claiming. This system works for appartment renting, so why not car insurance? Does it exist? Should it exist?""

What is the most affordable Health insurance that covers maternity?

My wife and I want to have a baby and we are trying to find an affordable health insurance that covers all the prenatal costs and the birth. Which company offers the best and most affordable plans? For how long do we have to have the plan before my wife gets pregnant?

What is the cheapest but best health insurance that is in Texas?

Under $100 a month. I need to know asap. I am a 20 year old full time employee and i need to see a doctor asap.

Getting new car insurance quotes and don't know if it is my claim or not.?

I was in an accident about 4 years ago. I rear-ended someone and wrote the van off, however my parents didn't use insurance to get a new car and the SUV I hit had no damage. I did report it and their insurance is aware of it. I also was not charged with anything although the police did show up because it was on a busy street. It was a 4 car pile up I happened to be at the back of. My question is that the accident was under my parents insurance and I am now looking for car insurance quotes and am unsure if this claim is considered mine or my parents. Any help would be appreciated""

""Can i drive on indian driving licence,and how much the cost for first car insurance?""

i am a international student,i have two years visa.i am 23 years old""

I am moving to California on a J1 visa do I need to get a californian driving licence?

Hey, Im moving to Los Angeles for a year this month on a J1 visa. I need a car for the internship I am doing. I was wondering would I need to get a californian driving licence. I checked the dmv website and it says that If I am becoming a residnent I would need to get one. A resident is considered someone voting in an election or paying homeowners tax which I won't be. I just need it set clear whether or not If I need a california licence to drive or will my British one be ok? Also will insurance companies insure me on a foreign licence.""

Can my apartment management include premiums of renters insurance on my rent ?

The complex I live in requires that each tenant have renters insurance because the management suffered losses from damages as a result of the tenants' negligence. I want to have the freedom to choose the company that I buy it from -- but they want to increase my rent in order to cover for the premiums. The management company in turn buys a policy for each unit. Can they do that ? I live in California.

Multi Car discount on car insurance ?

Can any insurance agents out there please tell me - roughly what % discount on the total policy premium would I get if I qualified for the mulit-car discount on my car insurance policy? I am with State Farm if that matters at all. I am currently at $400 every 6 months for my pickup truck & am wondering if we add another car in our household onto the SF car insurance, how much would I save on the $400 every 6 month truck premium? Thanks very much.""

Do you need insurance to ride a motorcycle with a motorcycle learner's permit in California?

I find information about people having their motorcycle licenses with insurance, but I couldn't find any information about having insurance with a motorcycle permit in California. I am 16 and have a motorcycle learner's permit and want to start riding.""

What is the cheapest sr22 insurance in texas?

driver insurace

Are there any car insurance providers in MA that pay for OEM parts?

I have Progressive insurance and a 2010 year car. Progressive will not pay for OEM parts, even OEM glass. Is there a car insurance provider in MA that does? If so I want to switch ASAP.""

How much would 6 points on your licence affect your car insurance?

I have just received 3 points and 3 points i have from a couple of years ago.how much will my insurance go up,now i ahve another 3. Please no smart *** answers like well u shouldnt speed ect.. just a straight answer please..thanks xxx Thanks you xx""

Insurance on a civic si?

Alright so im pretty sure that answer is going to be high but im thinking of buying a '06/'07/'08 civic si, but i was just wondering if any other si drivers could give me how much they pay for insurance. im 20 live in s. cali and have one ticket so i bet thats gonng drive it up but still want to know like an average. will it make a difference if i but a civic si sedan instead of the coupe?""

A car insurance for a new 41 year old driver in london.?

I am thinking of buying a second hand vw polo 1.4 (2009) So the question is how much on average I would pay monthly for the above car. Thanx in advance

""What is the average price of insurance of a $15,000 car for a paramedic?""

21 years old , good credit rating works and goes to school, trading in 1998 jeep cherokee sport""

How much is a male 17 year old new driver going to have to pay for car insurance?

Can i drive a van on a car insurance policy?

can i drive a van on a car insurance . or is up to the insurance underwriters my friend had he s van seized by the police be cos it cam up as having no insurance on the M I B database aa he wos using he s car insurance to drive the van on the highway . or is it up to the insurance company if there allow you to drive a van on a car insurance policy. that is not for the van you are using at the time ?

Where can I get laibality insurance for a medical assistant?

I am looking for insurance to covoer myself for Medical assistant

How much would it cost a new driver in the UK for car insurance?

I am thinking of getting a 12 year old ford fiesta. I am 24 years old and I'm a new driver. How much would it cost me for car insurance?

Why cant i get cheaper insurance?

i have a fiat 500 1.2 with a tracker in my car which is there to stop me driving between 11pm and 5am and im still being charged 2000 a year for my insurance, last year i was paying 2008 a year i have 1 years no claims and no convictions WHY AM I BEING PUNISHED????""

What is an insurance quote?

I just want to know what it is because I always here it on car insurance commercials

I need help understanding Health Insurance Deductibles?

Ok, so I'm going to get health insurance and I'm Having a challenge trying to understand the deductible situation. The Health Insurance I'm looking into is Blue Shield of California and they have many plans, and it seems that the prices get a bit higher when the deductible gets lower. What does the annual deductible mean? Is that the amount that I have to pay off first before my insurance can cover me?""

How to lower car insurance costs ?

my 17 year old son wants to buy a 2008 honda civic EX and he agrees to make the payments on the car. One problem is , how do i lower my insurance rates . IF my son is still considered a teenager. Could i put the car under my name so the insurance rates will be low ? please help""

How can i get insurance if i am a 21 year old female with a job?

I am 21 years old and i live in California, I work at the YMCA but i only work 20 hrs. a week so i do not quallify for insurance here. I only make about $950 a month so i don't have alot of money to pay for insurance and my parents jobs do not provide insurance for me. can anyone help?""

My 18 year old daughter needs cheap car insurance.?

My 18 year old daughter passed her driving test today and is struggling to find reasonably cheap insurance. She has tried all of the main players and has gone through the various comparison sites but hasn't found anything below 1700 and if she asks for monthly payments then the price goes up by 50%. Does anyone know of any companies who specialise in young new drivers, maybe who provide insurance on a three or six monthly basis? Grateful for any and all suggestions. Thank you.""

First speeding ticket? Insurance?

I just got my first ticket for speeding ever. First time I've ever been pulled over. I got a ticket for going 9 mph over. He didnt say anything about points but he said I needed to pay it within 30 days which I will be doing tomorrow. Will my insurance go up? We have geico and live in FL if that helps. Thanks so much for all answers and God bless!!! (:

How much is motorcycle insurance for a 21 year old?

I'm 21 and I'm gonna get a motorcycle I just wanted to know how much some of you 21 year olds pay for motorcycle insurance

Cheap car to insure for 17 year old boy?

Please just say a few car names and not your not geting any for cheap

Are there any cost savings in adding an additional driver to car insurance vs having 2 policies?

What is the best maternity health insurance in Georgia??

I have insurance through my company, in which I pay half.. My deductible is $2500.00 till January then changes to $2000.00... Im already paying my Doctor $900.00 for a Pre-Delivery fee which will come out of my deductible. Then after that is met I will pay 20% of everthing else... Any advice will be great...""

Car insurance question?

Hi! Let's say I'm driving my parent's car by myself, and worst case scenario, I end up in some kind of small accident. (Didn't happen. I'm talking hypothetically here, alright? :D) Does insurance cover the car itself, or only the driver of the car (i.e: either my mom or dad?). So if I get caught in an accident in Mom's car, am I covered under her insurance? Or do I have to get my OWN car with my OWN insurance, in order to be covered? Thanks!""

Life insurance policy on live in boyfriend?

my boyfriend and i have lived together for 7 years and have a daughter together. he is alot older and if something happens i get scared of what would happen to me and the kids. ive already talked to him and he agrees that i should get a life insurance policy on him. just in case. is this possible? and can u reccomend anywhere i could get one? thanx

17 Year Old Female.. car and insurance?

Hey, I am currently searching around for a car and insurance. I have just passed my test. Using price comparison sites insurance is coming to around 1,500 pounds on cars such as Daewoo Matiz, Volkswagen Polo, Vauxhall Corse and Peugeot 106. On the internet a girl said she was able to get her insurance down to 600 pounds! How is this possible? Insurance with my mom as the named driver is about 2,000 so this isnt an option. Thanks x""

Where could I find health insurance that covers these things?

I'm a very healthy person, I've never had any major illnesses and don't do anything that would risk a major hospital visit (of course I know that things do happen), I just want the health insurance that covers: Doctor visits and Medications I have been diagnosed with GAD by a general psychiatrist and he recommends I take medication for it, I don't typically visit a doctor but I felt I needed to see one asap. I've never had health insurance, I'm 19 years old and I live on my own, I'm about to be married in a month and I just would like to know where I can find affordable health insurance where I won't have to pay too much for a doctors visit and for medication. Thank you""

Can I use my parents car insurance?

As a 17 year old, could I get car insurance under my mom's name? I can't pay $200+ a month for car insurance as a first time driver under my own name. So could I just get my mom to sign to it so I would only pay her rate at like $100 a month?""

Help with car insurance claim process?

A few days ago I scraped a co-worker's vehicle in our work parking lot. She wasn't in a proper parking space, but whatever, it was clearly my fault. I am paying for repairs to her car. I have pictures of my vehicle after the accident, but not of hers, because she left for the day while I was trying to find out who I had hit and find her in the building. I haven't brought this up with my insurance company yet. I initially thought I was going to be paying for scuffs to be buffed out of her back bumper, which wouldn't be cheap to fix but I figured it'd be inexpensive enough that I wouldn't involve my insurance. Today she handed me an estimate for $600+ for bumper replacement and paint work, etc. Fine. It was my fault. I'll eat it. But if I now want to involve my insurance, what do I do? Do I need her insurance info to file a claim? If I call up my insurance, does her insurance have to also become involved? I'm not even fixing my car - the fender's messed up but it's an old car and cosmetic damage doesn't bother me. I don't know what my insurance deductible is...if it's $500+ then I guess I won't bother and will just pay up in cash.""

I am planning to buy medical insurance. Which insurance company provides affordable service with good service.

I am 25 working as a consultant but my company doesn't provide insurance. I am looking for a good insurance company to provide me with affordable service. Also what does term Plan type, Deductible, Coinsurance and Office visit mean in simple terms. I work in seattle.""

Cost of car insurance?

I am a 17 year old female. No crashes, good driver. I just got enough money to buy a car, and need to pay for the insurance. I Dont know how much money that would cost. I hear its diffrent everywhere, but what is the adverage for minnesota would you say? I'd appreciate it! thanks :)""

Insurance and pregnancy...

I am planning to get pregnant in March, 2009. After working things out with my husband, it seems like the best time for us Anyway, my insurance policy will finish in August and I'll have to get new insurance (I won't be able to continue with my current insurance policy for reasons beyond the scope of this question). Will this cause me problems with the new insurance company (I still don't know what insurance I am going to purchase)? Will the NOT cover my pregnancy and delivery and consider it a pre-existing condition? What's your advice? We really don't want to postpone pregnancy any more and now is not the best time for us""

A car insurance for a new 41 year old driver in london.?

I am thinking of buying a second hand vw polo 1.4 (2009) So the question is how much on average I would pay monthly for the above car. Thanx in advance

Homeowners Insurance in Florida?

I am looking to buy a house for the first time. Insurance seems high in Florida. Does anyone know what a possible insurance price would be for an 1800 sqft ranch with a pool? I have seen over 2200 a year!

How much is car insurance for a 17 year old girl?????

for the group 1 insurance cars. how much would it be? thanks

Question about Car insurance?

Ok, My husband has a 2000 Ford Ranger and the back drivers side rear window got busted out by a baseball(it was an accident) and he has insurance through Geico, well it says on his comprehension coverage that he has a $500 deductable, so what does that mean? Will we have to pay $500 to get it fixed?""

Where can I find cheap auto insurance after a DUI?

I have a bad driving record that includes a DUI and driving with a suspended. I am looking for some way of getting reasonable priced auto insurance in Florida. I went to Geico and they want to charge me around $700 a month! Also what is an SR-22?

Does 2 Insurance Policies Affect Each Other?

I am going to be buying a car and the cheapest way of getting insurance is by naming my mum the named driver of the car and i was added on..but she is worried that if i crashed it would affect her no claims bonus on her other policy..would it?

What is a sporty car that won't kill a teenager in insurance prices and is good on gas?

Also I prefer American made, but it doesn't necessarily have to be.""

Is it called a fix it ticket when you get a ticket for not having insurance in California?

How do you feel about insurance companies pulling your credit report?

I live in Michigan a state where it is law to have insurance. I have also been denied insurance by a certain large insurance company based on my credit score. I just don't think they should be able to pull your credit report if your required by state law to carry it. Hey if i don't pay it cancel me.

Car Insurance?

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

Does anyone know about whether or not you are required to have car insurance in California?

or does the DMV get to know and suspend your car if you do not?

""Motorcycle with no License, Insurance, or Registration. ?""

I have a coworker that rides his bike without insurance, a license, and a suspended registration. He's under the impression that, at worst, he'll only be fined. What are the possible consequences if he is stopped by a police officer in the State of California or Oregon?""

""California to nevada, is insurance more?""

moving to nevada, is auto insurance more from CA to NV?""

How do you get self insurance?

I don't own a car and have to get insured as a driver in the state of Kansas. How do I get insurance without owning a vehicle?

Temporary Car Insurance on my Mums car?

Hi, Is it possible to get temporary car insurance on my mums car, even for just a day or two on her current policy, or is it even possible to get temporary comprehensive cover with another car insurance company on her car while she is still on her own policy? Thanks, Boss1996""

Was Obama's health care/college system comparison valid?

Tonight President Obama compared the public health care option to the public system of Universities and colleges. He said the public option will work the same way public colleges and Universities without inhibiting a vibrant system of private colleges and Universities. This is a fool's argument and a total apples to oranges comparison. Let me explain, first almost all private universities receive funding from the federal government. The federal government is not going to provide funding for private insurance. The second reason is it's common knowledge that the best Universities in the U.S. are private schools such as Duke, Stanford, and the Ivy League. These universities fill most of the highest paying jobs in the country. Some jobs even go as far as to require a degree from one of these schools (Stock Brokers on NYC Stock Exchange.) These highly paid graduates can donate larger amounts of money back to their respective colleges than the average Joe who graduated from a generic state funded university. No one is going to donate money to the private insurance companies. We can't even get all the people who qualify for insurance to sign up and that's the problem! Look, I have no way of knowing whether the public option will work or won't but when faulty logic is used to support it I become concerned. When most of the people supporting the public option are from California (a state where the middle class is few and far between) I become more concerned. When most of the Senators and Representatives who support the public option say they would prefer the U.S. had a single payer system (that's total government control of health care if you didn't know) I become very concerned. The reality is no one knows what the effects of public option will be. Also, the success of FedEx is not any proof that public option won't hurt private companies because an independent council regulates the mail industry. No independent council is mentioned in any of the plans in the House or Senate. yes or no""

Auto insurance question?

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

Any ideas on how to get cheaper car insurance?

What's the cheapest car for insurance?

Cheap car insurance for 17 years olds?

Hey i was wondering if anyone know where i could get car insurance for under 1500, cheapest i can find is elephant and that 1500, i have only just passed my test, and i have looked at putting my parents on the insurance too but it doesn't make much of a difference to the extensive prices, its just my car is only worth 1000 and i dont want to have to pay 2000 insurance when my car isnt worth that""

How much will my car insurance cost? (Teenager)?

I am 16 years of age, and will be in 11th grade as of the next school year. I had B Honor Roll the last two years of school. I will be most likely driving my mother's Nissan Quest (2013) or my father's Nissan Titan (I do not remember the year). I am currently enrolled in Driver's Ed, and will get my permit once I finished. I live in Jacksonville, Florida, if that is helpful. I need to know for a Driver's Ed assignment. I was supposed to ask my parents, but they don't know, and I know they will forget soon.""

How long does it usually take for insurance to approve surgery?

Im about to have chest surgery to remove cartilige due to horrible pains, and i was just wondering how long does it usually tai for insurance to approve surgery?""

Average monthly car insurance in Vegas?

I'm loking at getting a 2001 bmw 325i. (no my parents arent buying this for me. its my money that i earned at work). I'm an 18 year old male. If you could give me a general idea of how much id be paying monthly that would be GREAT. I do vote people as best answer so if i like your answer ill give you 10 points :)

""I'm about to turn sixteen, how much can i expect to pay for car insurance?""

I have no criminal background, my employer and teachers can give me really good recomenndations, i don't know if anyof that matters though.""

Why is my home insurance quote so high?

I am buying a home next month and have been shopping for home insurance. The cheapest premium I've been quoted is 1,800/year. I have done research and it seems most people pay 600-1000/year. I have never owned a home (so no claims) and I have never used my renters insurance to file a claim. I'm 26 with a 710 credit score. The home is 2300sqft and I am asking for 250,000 in coverage. I even raised the deductibles to see if that would lower it, which it didn't really make a huge difference. Any ideas?""

How to get a good quote for my car insurance?

basically, i've got 1 year no claims with direct line car insurance for the past year( only 1 year driving experience). i was paying 85 for fully comprehensive, and was 24years old when applied for the insurance. i just received a letter from direct line for my renewal, and now it's gone up to 109. i was wondering what might cause it to increase, and if now am over 25years should i really inform them (if it's gonna make a difference). is it advisable to switch to another company for maybe cheaper deals?! p.s i have a vauxhall calibra year 1995""

A car insurance for a new 41 year old driver in london.?

I am thinking of buying a second hand vw polo 1.4 (2009) So the question is how much on average I would pay monthly for the above car. Thanx in advance

What insurance is best for women?

I don't currently have insurance, but I want to start going to a gynecologist to see why I'm not getting pregnant. The co-pays are horrendous, like $150 per visit w/o insurance! I cannot afford that every time I walk in, but I can afford about $80 a mo for insurance, but IDK what kind or which to choose that will help me through the gyno visits, and possibly a fertility specialist. If anyone knows the best route for this kind of medical attention, please provide websites or names of insurance companies that apply to this. Also, I live in a small town in GA and there are NO near-by specialists or anything as such, so I'm sure to have to travel at least an hour or more to get the help I need. No, family planning centers, no women's health centers, nothing! So if there's anyway someone could give advice for that, please do. Thanks so much.""

Car insurance law in texas?

Hi. I have my own drivers license. But haven't driven in a long time. My parents want me to practice driving for a while so I can drive when I graduate. I was wondering if my ...show more

Anchor general insurance?

ive made a claim on my car 2 weeks ago. an adjuster came out to take pictures of my car last week on wednesday. i havnt heard from them since everytime i call my insurance and they transfer me to claims i end up waiting 30 mins plus just so they can drop my line. im wonderinf if they are even gonna get back at me? should i keep calling them has anyone had any problems with anchor general before?

How much money does your insurance go up after a car accident that was your fault?

I am doing an essay on distracted drivers and I just wanted to know the statistics.

Do I qualify for low cost Health Insurance?

I'm under 21 & still living at home. I live at home with my mother & sibling. My mother can't afford insurance through her work beings it'll be almost 1/3 of her paycheck a month. I work part time as a waitress making under 5,000 a year for now as I look for a full time job. So my question is: Do I qualify for any type of low cost health insurance to cover just myself? I've tried looking on sites like health .gov but because my mom has insurance available through her work it's basically saying i'm screwed out of insurance of my own. I need all 4 wisdom teeth pulled asap, as well as basic medical check ups & such that I can't afford on my waitressing salary. I really need all the help I can get. Please answer. & no, my job doesn't provide any insurance.""

""Which Car insurance is the best , and about how much does it cost?

how much does insurance cost for a 16 teen and which insurance is the best just asking

The cheapest way to change insurance to a new car whilst keeping current car insured whilst i sell it?

Hi, I am 20 years old and I have just bought a new car. I am trying to find the best and cheapest way to change my current insurance ( with one years no claims) to my new car and then i need to insure my old car whilst I sell it. My current car insurance policy on my car runs out on 15th February 2013 and I have cancelled my renewal. I have received the renewal which is proof of my no claims which will be transferred to my new car. Another question is... can I claim the one years no claims on my new car whilst it still runs out for a week on my old car? I have looked at temporary insurance for my current car but this was almost 400 for 28 days?!?!? If insurance companies want me to do it the legal way, they are not making it very easy! Any advice on the best way around this would be great. I know it's confusing! Thanks, Adam White""

What is the average car insurance cost for new drivers? (ages 16 and up)?

How much can i expect to pay for storage insurance?

I plan on getting a street bike, and sitting my truck. I pay 1400 dollars a year for full coverage right now.""

Auto Insurance at 16?

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

What is a good affordable health insurance company?

I am 21 yrs old, with no existing health conditions, but I make too much money to get coverage from the state. My employer does offer insurance but it's very expensive and the coverage isn't worth the amount of money they want me to spend.""

What is the best company for cheap car insurance?

I am doing my lessons, I am a 19 year old female and a mother of 1. I have just bought a renault clio 1.4 and need to get the cheapest possible insurance. To start i need insurance so that i can drive with someone in the car on my provisional but i also need quotes on how much it will cost me when i have past my test.""

I dont really have the money to purchase car insurance before i take my driving test?

i dont have the money to get car insurance before i take my driving test. is there anyways possible to get around that? dont just ******* say, get insurance either . its a waste of my damn time. im taking it wednesday and its in urbana ohio.""

Question about first insurance quote for a young driver?

Last week I used autotrader to search for numerous quotes and found one for around 1450. Today I passed my driving test, and went back to the quote but it had to be renewed since last week which is fair enough. The lowest value today was 1576 which I am alright with. I refreshed the page a while later to find that quote had disappeared and the cheapest was 1620, with the company for that quote (elephant) at the bottom with an unable to find a quote detail. I thought it would come back soon, so I refreshed the page and then suddenly the price increased to 2950 minimum and many of the cheaper companies were now listed as unable to find a quote. Strange, but perhaps the websites are too busy to send data. An hour on though and the price is still 2950. Did anyone else have this problem? If so when was it fixed, the same day or next day? Thanks""

How to find Affordable Care Insurance for Multiple Sclerosis in Indiana?

How do you find a affordable insurance plan when spouse has multiple sclerosis? I can't get any information. I see that people say they got a good plan, but I can't find any for us. How do you stop the harassing phone calls after you try to see plans? Please help, thank you.""

What factors affect how much i will pay for car insurance?

what are the factors that affect the amount i pay for insurance on a car? im looking to purchase my first vehicle and want to know what i can't afford.

Car insurance Questions?

I have comprehensive coverage (collision, fire, theft. etc)on my car it is a 2001 bmw 325 in very good condition, very little scratches inside and out. Mechanically sound. also well maintained and optioned if somebody was to rear-end my car (i live near the sr 91 in california, accidents everyday) what is going to happen? is the the one at fault's insurance company going to pay for the value of the car? since i pay comprehensive coverage? and is the value of the car based on pre-crash value or post cash value? what if i was to hit somebody's rear end? and is my insurance rate going to go up if i was rear ended""

How much does roofers insurance cost? I'm a one-man show for residential work looking for the cheapest policy?

Real Estate career vs Insurance career?

to all real estate agents and insurance agents.... I have my real estate, life insurance and auto insurance licenses... have been struggling in life insurance business and trying to start with auto insurance to see how it will work out for me and if I can cross sell life and auto together... Also I am very much interested in real estate, I feel like I love it more than anything but i am so scared to go after that, I am afraid that it will take another year or so from my life to really understand and have it going.... I have been struggling in life insurance sales but we all know that life insurance is kind of secondary but real estate, we know that everybody is making money to have that American dream but I don't know how it feels like to be in real estate business.... so any suggestions, about advantages or disadvantages, about money, in which area I can earn more money, about the activities and what should I do to earn trust and start selling... please advice which one should I choose and why based on your experience.... please teach me something, advice me, comment, and make suggestions.. I am lost and frustrated and don't know what to do ..I really want to what is for me and work hard to make it work ....""

How much does a ticket cost for no proof insurance in ca?

I got a ticket for no proof of insurance at the time. But I have insurance. Does anyone know how much the ticket costs. Or what I can do to get it written off??

How much does it cost in hospital and delivery without insurance in ca?

""Anyone in Miami, Florida have preferred medical insurance?

I am looking for affordable heath care for myself and children and was offered health insurance named preferred medical insurance. Is it any good? Is their any other affordable insurances out there in south Miami Florida?

Does anybody know the average daily cost of having your newborn stay in the NICU?

I know most people have insurance that helps cover a certain %, but what amount is the real cost that the hospital bills the insurance company and the patient pay?""

Car insurance help?

Ok so im about to turn 16. my parents said they would get me a car, but only if i paid my own insurance. can u please tell me how much it would be a month. and what company would be the lowest price. i dont know if u need this info but. im 16. white ( someone told me it matters?), i live in florida (palm beach county), and the car will probably be an audi a4. can u please give me an average amount a month so i know what my goal to save up is.""

Can you deduct your cost for health insurance on your taxes?

A car insurance for a new 41 year old driver in london.?

I am thinking of buying a second hand vw polo 1.4 (2009) So the question is how much on average I would pay monthly for the above car. Thanx in advance

https://www.linkedin.com/pulse/computer-quote-pet-insurance-reviews-kevin-lewis/"

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easyfoodnetwork · 5 years ago

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Harmpeti / Shutterstock As some states plan to reopen economies, restaurant owners worry that opening at reduced capacity could ruin their already-limping businesses When cases of COVID-19 were first reported in Memphis, Tennessee, in early March, Kelly English was quick to close dine-in service at all three of his restaurants. But on April 27, when Memphis Mayor Jim Strickland announced a tentative reopening plan for the city, which includes reopening restaurants to diners, English didn’t start planning a return to normal. He intends to stick to delivery. “We aren’t rushing to [reopen],” English says. “There’re a lot of factors that go into this. I love my staff, I’m very sensitive to the fact that they’re not working right now. And I’m also very sensitive to the fact that we need to make good decisions for the long term, to make sure that those jobs still exist.” English says that once dining in is allowed in Memphis, his decision to reopen will ultimately be a slow one, first observing how maximum occupancy regulations are enforced at other nearby restaurants and seeing how they fare before he makes a move. He already has a sense for how his restaurants might do at half capacity: “If you came to me, a restaurant with 12 tables, and said, ‘You’re at 50 percent capacity,’ I’m screwed.” English isn’t the only restaurateur wary of opening hastily, making yet another change to their daily operations. As some states across the country allow businesses to reopen with limited occupancies, there are still serious obstacles in the paths of restaurant owners. In those Tennessee counties that have already reopened, restaurants can’t exceed 50 percent of their maximum occupancy. Restaurants in most of Iowa will also have the option to reopen at half capacity. Those in Alaska will be limited to 25 percent capacity, and will only seat diners who make reservations in advance. Ryan Pernice, who owns three restaurants north of Atlanta, didn’t jump with excitement when Georgia Gov. Brian Kemp released a list of 39 guidelines in advance of a push to open certain businesses — including restaurants — on April 27. Most notably for restaurant owners, the guidelines do not allow more than 10 patrons per 500 square feet in dining rooms. After Pernice closed his restaurants on March 17, leaving just one of his restaurant kitchens open for delivery, he sat down to crunch some numbers. Even with the lights and the walk-in refrigerators turned off, running a restaurant remains an expensive endeavor. Pernice decided to continue paying for services, like pest control, that couldn’t just be ignored, as well as major costs like rent and outstanding vendor invoices. To break even and cover expenses at Table and Main, Osteria Mattone, and Coalition — his three restaurants — would cost $4,128 a day. Though he’ll take the measurements and rearrange the tables to see if reopening is feasible, Pernice can’t imagine hitting that number with only half of the seats in his restaurants occupied. “Not having run the numbers, I seriously doubt that in Table and Main, a tiny restaurant of 1,800 square feet, that I could make more doing sit-down dining than I can right now through our takeout … I think there’s very little to be gained by being the first to this party, in terms of opening the dining room again.” Though some restaurants in Atlanta and across Georgia made the decision to reopen to diners, others echo Pernice’s sentiment: They’d rather stay closed until opening doesn’t feel so perilous. Glenn Singfield II owns two restaurants in Albany, Georgia, a city that has been hit hard by the coronavirus. Last week, two of Singfield’s friends passed away after contracting the virus, and his aunt just recovered. With a diabetic mother at home, Singfield spent the better part of last month at home with his parents after closing both of his restaurants. Just last week, he reopened Albany Fish Company, the smaller of his two restaurants, for takeout and curbside pickup. The Flint, his 10,000-square-foot location, remains closed. “I’m going to support my governor, and I want to support my mayor and my civic officials,” Singfield says. “But I still have a choice. And our choice was to continue to do business as we’ve been doing it until we can see a major curve in coronavirus. And until we can find a conscious way to make sure our customers, employees, and ourselves can be safe.” Though he doesn’t know when he’ll reopen his restaurants, Singfield has already rearranged Albany Fish Company, and is putting up plexiglass partitions to separate diners from servers. He’s having a harder time imagining what the Flint will look like when it reopens. “When you’re at a fine dining restaurant, it’s an experience that you come for, not just the food. If you’ve got to wear hazmat suits, and you’re spaced out, what’s the purpose of it? We do live music, it’s a party every Friday and Saturday night. But I’m not going to jeopardize anyone’s safety for anything.” Half occupancy doesn’t add up On weekends, a line stretched out the door of St. Kilda Cafe and Bakery in Des Moines, Iowa. Alexander and Whitney Hall, the restaurant’s owners, would pack guests in, the din of service rising as the restaurant filled to capacity with diners stuffing themselves with breakfast tacos, pastries, and all sorts of breakfast-appropriate cocktails. Restaurants in Des Moines — in one of the state’s hardest-hit counties — are still operating under tight restrictions, but as restaurants in 77 other counties begin to invite diners back inside with spaced-out tables and a limit of 50 percent capacity, it’s certain Des Moines will follow after. These occupancy limits are a serious hurdle for cafes and restaurants across the country that rely on busy weekend service. “That weekend is so vital to daytime cafes … We do 75 percent more revenue on Saturday than we do on Tuesday, for example. So if we lose that weekend we’re relying on being bustling and busy, it would make us hemorrhage even more money,” Alexander Hall says. “I know the restaurant business pretty well. I’ve been doing it for 27 years, and at 50 percent capacity restaurants don’t work. Unless the landlord gives you 50 percent rent, and MidAmerican energy is giving you 50 percent off the [energy] bill.” In New York, the prospect of dining at a restaurant is still hard to imagine, and some restaurateurs are trying to envision how they might operate their restaurants at half or quarter capacity. As they crunch numbers and drag tables away from each other, they’re not much more optimistic than Hall. “Our busiest services are weekend services in particular, where we like to pack them in and pack them out,” says Claire Sprouse, the owner of Brooklyn all-day cafe and bar Hunky Dory. “They carry the rest of the week for us.” If the restaurant saw only half of the weekend customers it did before the coronavirus, Sprouse estimates her restaurant would bring in 40 percent — not half — of what it once did. “For us to survive, we would need to be doing a fair amount of takeout to make up for those missing seats. … Something has to give.” The cost of reopening For restaurants that already operated on razor-thin margins, reopening isn’t just a judgment call. When the time comes, it will cost Alexander and Whitney Hall $15,000 to reopen their largest restaurant. Glenn Singfield reckons it will take $25,000 for both of his restaurants to become operational again. To switch the lights back on, restock all of the refrigerators and bulk bins, bring in a cleaning crew, it’s an extremely expensive ordeal. To reopen at such high costs only to serve a half-full restaurant isn’t feasible for many restaurateurs who were barely holding on already. “It is not as simple as turning on a light,” says Pernice of his three restaurants. “We’ve been trying to turn as much inventory as we can to cash. We’ve been trying to get everything that’s worth a dollar out of the restaurant. If we are to open, it will cost a lot of money to restock. And we in effect haven’t been open for six weeks. So there’s some planning toward how we use the precious money we have.” Singfield says he’ll have to “piece it together” when it comes time to find the funds to reopen his restaurants. For many of these restaurateurs, there’s a concerning backdrop to the already-difficult conversations being had about the risks of reopening at limited capacity. Restaurant owners who accept Paycheck Protection Program (PPP) loans are in a bind, as the loan is only forgivable if all full-time staff are rehired by June 30. How, these restaurant owners are trying desperately to work out, can they hire back their entire staff if their restaurants are only operating at half or quarter capacity? In New York, and other states that have yet to reopen, and where occupancy limits are inevitable once they do, a PPP loan can feel more like a burden than a gift. “It feels really scary to take on potential debt even though it’s like, maybe forgivable when the timeline for reopening is so vague. And then there’s no clarity about whether or not we can open in a full capacity,” says Carla Perez-Gallardo, a co-owner of Lil Deb’s Oasis, a snug neighborhood restaurant in Hudson, New York. Lil’ Deb’s Oasis has a legal capacity of 30 people, and the restaurant’s owners can’t see a way to hire back their full-time staff members while serving a half-empty restaurant. “The pressure is on businesses to pay their employees that they’ve hired back, at a time in which they may not even be able to pay their rent,” says Perez-Gallardo. “It feels like an odd narrative to be moving toward at a time where it doesn’t feel possible.” The path forward is extremely uncertain for restaurants, whether they apply for and are given a PPP loan or not. Resources and guidance across the country are limited, and restaurant owners are left to ask questions that no one, it seems, will answer. “For us, the best-case scenario would be to have flexibility with our landlord and for our local and our federal government to provide some relief or guidance in how to move forward,” says Sprouse, who applied for a loan but has yet to hear back. “Right now it’s like they’re putting a Band-Aid over a severed leg.” from Eater - All https://ift.tt/2SmVRYY

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