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merginglane · 7 years

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Top Surgery with Dr Esther Kim at UCSF's Center of Excellence for Transgender Health

I wanted to give a detailed account of my experience with Dr. Kim at UCSF because when I was considering her as my surgeon, I couldn’t find a lot of info outside of UCSF’s own literature.

UCSF In General

My experience with Primary Care at UCSF (Dr. Madeline Deutsch) hasn’t been great -

I’m nonbinary, and they aren’t great at allowing for that. They pretty much make you (at least on paper/in the system) identify yourself as FTM or MTF.

When I switched my insurance back to Medi-Cal and thus my Primary Care to Dr Deutsch at UCSF, they were never able to get my prescription for T worked out with the insurance and I wound up having to pay out of pocket one month (ultimately was able to crowdfund for almost the whole $500 cost thank you to my AMAZING support network), getting another month’s supply of T from a friend (LUCKY), and still having to go like 2 weeks without T, at which time I had given up on UCSF and switched my prescription back to Planned Parenthood who got me T in a VERY timely fashion (THEY ARE AMAZING).

It is EXTREMELY hard to get ahold of Dr. Deutsch.

So I was hesitant to seek top surgery through them. However, my insurance covered it and I figured at least it was the same internal system, so perhaps the paperwork would be minimal (which ultimately proved about half true).

Preparing for Surgery

I started the process of getting all the paperwork lined up for top surgery in January 2017. I almost had everything all set up in the beginning of March when I recieved an email from Dr. Deutsch telling me that she had seen that I was seeking top surgery and that I needed to make an appointment with her to discuss this (despite my efforts to try to contact Dr. Deutsch in January about this and being unable to). Her next available appointment was 1.5 months later, mid-April.

When I showed up at the appointment, Dr. Deutsch told me that it wasn’t even necessary for me to come in and made me feel like I had sought that appointment of my own volition.

Luckily, after that appointment everything moved fairly quickly. I made an appointment with Dr. Kim for a month later, mid-May. I had my appointment with Dr. Kim and was pleasantly surprised to get a surgery date for 2 weeks later - June 5th. The only commentary I have about Dr. Kim from that appointment was that she didn’t really tell me much, she expected me to have a lot of questions and when I didn’t have many, she just wound up leaving a lot unexplained. Sure I should have had more questions, but she also could have just given me an overview of what the surgery and recovery would be like, etc.

Everything leading up to the surgery date was fine until, 5 days before surgery, I received a call from Dr. Kim’s office asking for my “therapist letter” for the insurance. I informed them that I had never gotten a letter from a therapist (in SF it’s not required to access to hormones or on the doctor’s end for surgery, just for insurance purposes). I had never been told by Dr. Deutsch, Dr. Kim, or either of their teams, that I needed this letter. I’m ultimately not sure whose failure this was, but it was traumatic having to clean up the mess. I was told that if I didn’t get this letter in the next 2 or so days, my surgery wouldn’t be covered by my insurance. I just about completely fell apart. Luckily, my incredible partner was able to find a therapist who agreed to see me on an emergency basis that very night and write the letter. The appointment and letter were not cheap, and I’m incredibly blessed that my partner was willing and able to pay for it. I found out a day too late that the Director of Mental Health at Planned Parenthood would have happily also written and faxed a letter for me after only a brief phone call (seriously, can’t say enough wonderful things about Planned Parenthood (specifically my experience with the staff at the Walnut Creek PP and PP NorCal in general)). But maybe that info will be helpful for someone else.

2 days later (3 days before surgery) Dr. Kim’s office called me to let me know that the insurance had accepted the letter and would cover the procedure.

Aside from that, I will say that I didn’t feel like I got a whole lot of info from Dr. Kim about what to expect during/after surgery and how best to prepare. She did give me a list of herbs/supplements/substances to avoid in the few weeks/days before surgery (here’s my post about that), but that’s about it. I had a call with the anesthesiologist a few days before surgery and honestly that was where I got most of my info about what the day of surgery was going to be like.

Day of Surgery

I had to get to the hospital at 6am. After checking in I waited in the lobby for about 30 minutes and then was directed upstairs to a bed. I was really nervous but honestly everything moved so quickly that it was all kind of a blur which was nice.

A nurse came to talk with me and take my vital signs first and she was REALLY nice and comforting. Next the anesthesiologist came to introduce herself and explain what her role/process was going to be like. Then Dr. Kim arrived. I must say, after the first appointment I was giving her the benefit of the doubt, but her bedside manner is DEFINITELY lacking. She is not someone I would describe as “nice” or “warm,” she’s not mean, but she prioritizes efficiency at the cost of kindness, I think. She marked my chest up, which was a VERY difficult process for me, and one I had never been told about (I realize now that I should have seen it coming, but I guess I naively thought/hoped that they would just be able to do it once I was knocked out on the operating table).

The anesthesiologist came back and started my IV and honestly it’s pretty much all a blur from there. They wheeled me back shortly after (it bears noting that my partner was allowed to be with me all the way until they wheeled me back into the operating room), and asked me to help them move me from the gurney to the table, and the next thing I remember is waking up after. Honestly, looking back on it, this part was WAY less scary than I thought it was going to be.

It was HARD to wake up after, I was REALLY drowsy and fairly nauseated, but not in any pain. But I REALLY wanted to go home. So, I pushed myself to wake up and to eat/drink to feel better. My partner was able to come be with me probably 10-15 minutes after I woke up. My nurse after was VERY sweet and encouraged me to take it slow, maybe even take a nap etc. He showed my partner how to empty the drains and he told me what to avoid doing, etc. I ate some graham crackers, a popsicle, and some juice. I think I took a short nap, and then I left. They wheeled me out in a wheel chair and I remember it was REALLY hard to get from the chair to the car.

One final note on the day-of, I guess it’s Dr Kim’s general practice not to release the prescriptions for the antibiotics and pain killers until the day of surgery. Had everything gone smoothly, this would have only been minorly annoying. But of course, everything DID NOT go smoothly. When the nurse handed my partner the prescriptions, he said, “you will be able to get these filled at any pharmacy.” NOT SO. We had to try 4 different pharmacies before we found one that said they would fill it. THEN the pharmacists INSISTED on getting verbal confirmation from DR KIM HERSELF that these prescriptions should be filled. My partner called Dr Kim, and the hospital over and over. No response. Then, by some miracle, she found the number for an anesthesiologist at UCSF who just so happens to hate surgeons. This anesthesiologist first tried to lecture my partner about not having filled the prescription before the surgery date, but upon being told we had asked for the prescriptions early and had been told we could not have them until the day of surgery, she went to bat for us! She hounded several surgeons at UCSF until she was able to find one who would call the pharmacy for us. Then the pharmacist finally filled the prescription. This whole process took 4 hours. Luckily I was so groggy I just slept in the car the whole time. #AmazingPartnerForTheWin #AlsoPropsToThatAnesthesiologist

Then we went home and I slept.

Post-Surgery

So, Dr Kim does things SPECIFICALLY. First of all, I had to have the drains in for 8 days. According to my research, this is on the rather long end of the spectrum. Some people get their drains out after only 3 days, some people 5, some people 7, etc. After I got the drains out, I still had to wear 2 ace bandages for another 9 days (this seems to be right in the middle of the spectrum).

At my first follow up appointment, 8 days post-op, I did not even see Dr. Kim. I saw a Physician’s Assistant. She was very sweet although a little rough with my bandages/skin. She told me everything was healing great and I felt encouraged. Here’s the post I wrote immediately following that appointment.

At my second follow up appointment, 17 days post-op, I saw Dr. Kim plus a team of other people who Dr. Kim never even bothered to introduce (another minus for your bedside manner Dr. Kim). I will say, at this appointment, it was almost like Dr. Kim had been given the feedback that her bedside manner was lacking, and she was trying to be kind/gentle/explanatory. It still wasn’t great, but I would say it was an improvement. I was allowed to be ace bandage free but she told me I needed to keep bandaids and aquafor on my nipples until there were no more scabs on my nipples (this proved to be about 8-9 more days). She also told me not to put anything (like ointment, coconut oil, lotion, etc.) on the scars until I hit 6 weeks post-op, which really surprised me. My chest felt REALLY raw and sensitive under just a shirt. It was hard to do anything that day or the following day. Here’s the post I wrote following that appointment.

I have one more follow-up appointment, 6 weeks and 4 days post-op. I’m expecting she’s going to say everything looks good, because that’s how I feel, but I guess I’ll just have to wait and see.

Administrative Side of Things

I’ve already given most of my commentary about the admin side of both UCSF and Dr Kim’s office, specifically. I guess the one thing that I haven’t mentioned is time. Every single appointment I’ve had at UCSF, and with Dr Kim specifically, I have checked in at least 15 minutes early, sometimes even 30 minutes early, and I’ve always had to wait anywhere from 45-75 minutes before even being called back to have my vital signs taken. One appointment took 3 hours from check-in to when I left (and the actual happenings of my appointment probably took about 30 minutes). Everyone I encountered in Dr. Kim’s office (aside from Dr. Kim who’s demeanor I’ve already commented on) has been VERY sweet and makes a very concerted effort to ask what I would like to be called and what my pronouns are. If they do not know the name I go by, they simply call me my last name. Which is AMAZING.

Quality of Surgery Itself

Here’s the kicker, while the bedside manner, and administrative dealings certainly leave something to be desired, the outcome of the surgery is INCREDIBLE. I had double incision with nipple grafts and I am ELATED with how everything looks. The nipples are slightly different shapes and the scars come to slightly different places in my armpits, but you know what, bodies are asymmetrical, and if those are my biggest complaints, I wouldn’t trade this outcome for the world. In fact, for this outcome, I would have put up with 2 additional large hurdles, at least. Dr. Kim may not be the nicest surgeon out there, but SHE DELIVERS. Which ultimately, feels the most important, because I had to live with her for 4 appointments but I will have this chest (presumably?) for the rest of my life!

Here’s a pic of me 17 days post-op, 23 days post-op, 27 days post-op, 31 days post-op, and 36 days post-op

If you have any questions I didn’t answer here

Go ahead and message me! I’m so happy to discuss my experience and/or point you toward any resources I may know about.

#Dr. Esther Kim #Dr. Kim #UCSF #UCSF Center of Excellence for Transgender Health #Top Surgery #Double Incision #Surgery #Surgeon #Experience #Transgender #Nonbinary

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foulfurywombat-blog · 6 years

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I have car insurance and I am allowed to drive any car with the owners permission,does the car I am borrowing have to have its own insurance for me to be able to drive it lawfully""

Can I get free health and car insurance or any kind of insurance if my parent doesn't want to help pay?

My mom died and since im 18, i decided to continue to live with my grandma like i originally was with my mom and when im suppose to live with my dad he isnt responsible for me anymore. emancipated me. but im not living alone im with my grandma. so im wondering if there was a way to get health and car insurance. can i get it for free? is there a plan?""

A question about compulsory auto insurance?

When I insured my car last month, I told the agent that I want basic insurance, and I thought that was what I purchased. I never any information about my policy, all they sent me was the monthly bill. So today I went to the agent and notified them of this, and they gave me a Coverage Selections Page paper, and I noticed that on part 4 of the compulsory insurance they set my limit to $50,000 while the minimum is only $5000 here in Massachusetts. Apparently the premium for having the $50,000 limit is $503. Since the car is no longer operational due to an accident last Sunday and I want to keep my insurance for four months until I can replace the car, I was wondering how much I would save if I lowered the limit to the state minimum of $5,000?""

Ho much for my car insurance? How do I add to moms plan?

I am turning 16 and need to know about the cost of car insurance. Can anyone give me an estimate 2,000 a year??? here is some info: *16 years old * Male *Live in Tampa * Sedan few years old * Good grades * Summer Job *Student *car fully paid *has alarm ant ABS Also my mom cannot add me to hers because she gets a special insurance from her company and you have to be 21 to be added to her plan. So I would have to do my own? I thought legally you have to be 18 to have your own insurance. So does she cancel her company insurance and do different company and then add me under her? Sorry if this doesn't really make sense I am confused.""

Liability insurance rates?

Im a 17 year old white male and i get my license in april. I will be driving a 2000 jeep grand cherokee Laredo which i paid 4400 for. I live in new jersey and I passed drivers ed and have 6 hours behind the wheel at a diving school. I only need liability insurance since i bought the car out right. About how much will my insurance be?

Car insurance for Fiat?

Hi, guys i was just wondering how much will it cost me for full coverage car insurance for 2013/2014 Fiat Arbath in State of California. Im 24 years old? I'm just wondering how much will it cost in California.""

How much did your car insurance rate increase when your 16 year old began driving?

he amount my insurance went up may have nothing to do with your insurance increase. There are way, way too many variables""

What's an good place to get auto insurance?

Motor trade insurance for 46 year old and a named driver at 18?

Currently have an motor trade insurance policy with motrade. However they are closing down so need to find another insurance company. The problem is that the name driver is only 18. Motrade allowed named drivers from 17! Does anyone know of an motor trade insurance company that will insure an 19 year old on a policy. The policy holder is 46. Thanks! :)

I am 16 almost 17 and am looking for a car and am wondering what the insurance rats would be on a porsche 944

this would be my second car and its a really nice 1985 Porsche 944 (non-turbo) it has only 67K miles on it and is in excellent shape I am just wondering if my insurance would go up i pay about 130 $ a month on a Pontiac grand am ... would it go up? if so do you know how much?

Backtack on medical insurance for newborn?

Is it Normal for my job to backtrak and charge me premiums for my newborn if I didn't enroll her until about a month after she was born? She was on my wifes insurance up until I enrolled her but they took a lot out of one check. Spoke with the head of finance dept and tells me they still backtrack from when she's born even though she was on my wifes insurance

Do you have life insurance?

Ok we have been married for 10 years with 2 small boys. My husband works, I don't. I think he needs disability insurance and life insurance just in case something happens to him. And maybe even life insurance on me and the boys to cover at least funeral costs.. He thinks it's a big waste of money but I think we should. Also, my sister asked me if I would take her boys if something happen to her and brother-n-law. I said of course!! She told me that I would then get XX amt. of money from her life insurance... She also stated it's in their will!! OMG do I need a will too. What do I need in this will. I don't want my kids in foster care so I should name some people who would care for our boys..""

Can insurance for young drivers ...?

i want to buy a bmw 3 series convertible m sport diesel 2litre. the buying price is 13000 approximatley, unfortunatley i am 18 years old and this seems to be playing against me when it comes to insuring the car. i do not want to go down the line of fronting or breaking the law, but is there any way at all i can get a decent deal on insurance!? even if it means insuring myself to drive any car .. if that's possible?? any help would be appreciated. thanks!!""

""If I get a pull-behind trailer for my car, will I need to insure it?""

Probably a stupid question, but I'm clueless.:) If insurance is required, what happens when I want to loan it out to friends and neighbors? Thanks!!""

How much do you pay for your car insurance in NJ?

Hi i want to buy a car and i was wondering how much money i had to spend on the insurance thing. i plan to buy a 1995 honda accord ex sedan, 4 doors and 4 cylinders, maybe this info helps. Also, i would only use the car to go to my job and to the university which is less than 3 miles, in a year, i would be driving like 2000 miles + 1000 miles extra as miscellaneous trips. the thing is that i'm a 18 year old dude and I earn 700 dollars a month, still live with my parents and go to school. I went to a driving school to learn the essentials of driving . Hope all this info helps you give me the best estimate yearly or monthly. thanks""

I need help finding free health insurance.. Dont have a income.?

I dont have a income and i need help finding a free Health insurance.. Does anyone know about any free health insurance that the government gives for the ones who are in need...I cant apply for low income health plans.. because i dont have a income... please answer asap....

""I was misled by auto insurance company, what are my rights here?""

OK i signed out with all-state insurance company. The quote was $380, the agent faxed me only papers to sign since i was happy about the quote. I asked her 2 fax me the Insurance Id card but she did not(i waited a week). After tired of waiting and being turned down by DMV 2 renew my car registration i called the office and asked someone else 2 handle my case. Things went fine without her help , the new guy sent me the Id card immediately. On Friday i received all the papers & the ID cards but i was suprised when i saw $415 ...i called but didn't speak with her, the guy that helped me B4 was like but you signed the papers, i asked him 2 send me the papers i signed again..and guess what? The psycho lady played me cause, she only faxed me papers 2 sign but not the papers that showed $415, all i agreed was based on the quote she gave me which is $380. She never sent me the $415 papers. What can i do with this cause they are not prepared 2 refund me or fix their numbers""

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.""

Why is car insurance so expensive??? Help!!!?

Can anyone help me find cheap car insurance? I'm 17, I live in texas, I own my car.""

Anyone ever heard of business car insurance to do a homecare job?

Hi I have applied for a job and been told i got it now they saying i need business car insurance because its a homecare job and its to stop being towed away or clamped anyone ever heard of this and what is it

Cost of ticket for driving without insurance?

im 16 and i need to get to work tomorow...my stepmom has to work so the only way to get to work is taking my dad's 2007 toyota tundra. if i get pulled over about how much will the ticket cost? i have my liscense just not insurance. i also live in texas

Help with moral dilemma with car insurance.?

Well money is tight right now and I'm shopping around for a new auto insurance. I live in CA and so far the cheapest one I've found is Mercury insurance. I was playing around with the different personal criteria having fun wondering if having a different profession or having a college degree would change the premium. I found one option significantly changed the price and that was if I selected a different location where I principally garaged my car. The premium changed by about $200 for a year of coverage. It was based on zip code and I put the one that I used while I was in college which is in northern CA but I m in southern CA. Would the insurance company ever find out about that or how would they know? I could make some excuse if it came down to it like I intended to park there since I was planning on attending graduate school there. I don't know if the insurance company could not cover me if they found this out. I don't know what to do. $200 is a lot now.

My insurance co. just cancelled my policy!!! Plz. HELP!!!!?

IVE HAD TICKETS FINALLY THEY SUSPENDED MY LICENSE BUT I TOOK DEFENSIVE DRIVING JUST BEFORE THEY SUSPENDED IT BUT WHEN MY INSURANCE CO. REVIEWED ME IT JUST SHOWS THAT MY LICENSE WAS SUSPENDED NOT THAT IT WAS REINSTATED BECAUSE OF THE POINTS REDUCTION FOR DEF. DRIVING. ANY WAY THEY WANT 3345.07 PER 6/MONTHS PLUS MY HUSBAND 995.00 THATS 4400.00 PER 6 MONTHS!!!! ANY ADVICE HOW TO GET SOME INSURANCE CHEAP!? PLZ HELP!!!!!!!!!!!!!!!

How long of a grace period do you have after buying a car to get insurance???

i just bought a car and i just so hppen to get pulled over....i just bought the car the day before....so i give the cop all the information i had on the car and told him i bought it the day before, but he still gave me a ticket for no insurance and no plates, because the car had paper plates. i was told that i get a 10 day grace period but i don't know if thats true.""

What laws if any must car insurance companies follow when responding to a claim?

It seems that the only remedy if an insurance claim in Ontario cannot be resolved is to take the issue to court. The average driver may not be aware of any legislation that may force insurance companies to meet certain deadlines.

term life insurance quotes for seniors

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

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

Car insurance advice needed?

My nephew passed his driving test yesterday and has a P reg Volkswagon Polo for his first car. I've seen adverts on the tele for Direct Line car insurance and they aren't on comparison websites, does anybody know if they are averagely cheaper or not? Are there any other companies that don't appear on comparison websites? Thanks.""

Approximate insurance rate for a 2011-2012 Chevrolet Camaro?

Alright so im just looking around and i saw the new lease for the camaro's msrp is aprx 23k and that is a little in my price range. But i would like to know the apprx insurance rate. Im in a family plan with my mom and brother. My brother has 2 major accidents and my mom might have 1 both at fault accident. My age is 16 almost 17. I dont plan on getting the SS just the basic model ( auto ) our insurance company is mercury. I know i wont get anything exact im just looking for an aprx. And please no comments on im too young for this car. im just considering this option. BTW i was given a quote for $140 for a 2002-2004 BMW 325 coupe and i know American car insurance is usually cheaper?

Is the global warming scare (scam) just what the government needs to mandate disaster insurance as well?

With they make those without if look bad and neglectful? After all, children would be homeless just because their neglectful parents didn't buy disaster insurance for their ...show more""

COBRA Health Insurance Florida?

Where can I find a cheaper health insurance plan to replace my COBRA health insurance offered by my former employer?

Lamborghini gallardo?

what is the fuel economy and the insurance and the repair will cost a Lamborghini gallardo per month

""For a 16 year old how much does insurance cost for a year, an average, and what is out there that is the best?""

insurance plan, only answer if u have insurance or have experience""

How much do you pay for auto insurance for teen?

im 17 almost 18 looking to drive soon? how much would I pay if.... -no good student discount -3 cars -1 boat -live with parents under whom which ill have co-sign my insurance for now out of predictions, how much do teens usually pay for auto insurance?""

""I have a new baby, will I get a auto insurance discount or increase if I tell them?""

My little girl is 10 weeks old, I'm not sure if I have to tell my auto insurance company (AAA). Would it be better to insure that she's covered? Or will it just cost me more?""

How much will insurance cost for a boy at 17 yeras of age with a 2005 nissan altima with a v6?

Where can a marijuana smoker get affordable life assurance?

it depends on if your a heavy smoker or just smoke a few times. if they ask for health records then you will be in a higher quote, but also when they ask you question on health and ...show more""

Cheapest company to insure young new drivers in England? and also cheapest cars?

This time its not for me, its for my boyfriend, he's 19 and really big and broad so he wouldnt fit in something like a saxo or 106 unfortunately :( Also first time driver looking for cheap old shitty car! Quinn used to be cheapest but now quote has gone up at least 1,000!! Probably would prefer to pay monthly and am looking for third party fire and theft. Hopefully would have legal cover I have been looking for ages but since i'm not 17 yet, me getting a car instead of him is out of the question although i know it would be cheaper Thanks! :)""

Estimate On Car Insurance ? ?

I have been using these comparison sites but I don't really find them much help. How much can a female at 17 whos just passed her test expect to pay on Vaxhall Corsa or a Ford KA.

Car insurance (Nissan)?

am 17 and getting a 2004 Nissan Altima Soon? About how much will the insurance be? oh and its my [first] car.

How much does gender affect car insurance price?

I'm writing an essay on seemingly biased car insurance charges. Does anyone have any facts or statistics involving car insurance? Thanks!

Classic car ownership in the UK; apparantly there's an advantage over other cars such as cheaper insurance or

tax, or MOT, but I can't remember what...anyone know?""

Whats the cheapest insurance company you could find?

I'm 18 years old, just passed my test, and the cheapest quote I could find is LV at 2600 on a 1.2 litre 06 reg corsa.. Help guys??? D:""

I've been pulled over last night no insurance and no L plates HELP ME PLEASE?

Hello, I'm a genuine person, who has had a bad past with motoring, 3 - 4 years ago i was a maniac, a complete ideot who defied everything that was said and told to him( been caught for no insurance and disqual driving and driving without a license x15 times but after relizing what a ideot i was i decided to go the straight and narrow, so i got my license back last august with 6 points on it, they aint due to clear till next year although they are dated 2009?! any way, i own a decent 09 bike, that isnt cheap and i was what i thought fully insured (otherwise i wouldnt have driven and risked loosing my bike) anyways i got pulled over last night for speeding, and it came apparant i wasnt insured :O i rang my girlfriend and got her to produce the paperwork, they couldnt get hold of my insurance company due to they were shut at 10pm at night :S so they decided to seize my bike!:@ they give me a gypsys warning about the speeding, and refered me to court for no insurance no L plates, my arguement is, after going home and checking my bank, i have been driving for 3 months uninsured ( i really had no intention of doing so) i had thought that when my giro money lands into my bank acc swintons took it out the same day so i never defaulted, but this is not the case and i have defaulted. so i have insured my bike immediately after relizing what has happened and im going to get it out the impound in a minute (15 hours later after being seized) but the genuine thing is i've always had a rear L plate till 4 days ago when it snapped and i was waiting on my giro to come to purchase a new one, however i know that is no excuse but its the truth! what can i say to the judge to not get myself banned! the L plates situation is difficult because there like1 to buy but i have 0 pence! and i run my bike of scrap yard petrol ( filtered runs sweet) and i will take full admission to only ever having one L plate on my bike and explain my situation but what can i say or do so i dont get banned!? im really stuck with this one, it really is annoying as i had no intention to drive without insurance?! thanks guys""

Insurance on 2006 Ford Mustang and 2004 A4?

Hey, I'm a 16 year old student (turning 17 this year). I'll be getting my G2 in March of 2014, and I'm having a hard time deciding which car to save up for. It was between a 2004 Audi A4 or 2006 Mustang the whole way through. Which car would you recommend for a student? I'm having trouble finding an A4 for under $8,000 with decent kilometers. I was wondering how high the insurance would be for me on both cars, also I did not take driving school. I've also heard that if I write my mother's name as the primary driver, and my name as the secondary driver its cheaper.""

1998 V6 Firebird Insurance?

I'm 18 years old, just graduated high school, and am looking to buy a car to get to college and back home. What is the insurance on a 1998 v6 firebird or camaro based on a clean driving record and taken the driver's ed courses?""

How much would insurance cost for a subaru impreza?

I was wondering how much insurance would cost on a 2004-2006 subaru impress 2.5 RS. Not the wrx sti just the RS with the 2.5l 4 cyl. Without a turbo. How much would it cost for a new driver (between 16 and 18 years old) for full coverage on one of these cars. I would like number answers if possible. Thanks.

How much would insurance be on property based business?

i have a few acres and was wondering what the insurance would be if i decided to open up a atv/rv park on my land~i would have a waver that made sure all that rode would be rideing at their own risk etc.plus any other limations you could think i might come acrross~

Which car insurance companies only ask for 3 years convictions?

Can anyone give me a of list of car insurance companies which only ask for 3 years of convictions...? I have 6 points, I'm 22, passed my test 3 months ago, and accumulated these points 3 years and 2 months ago... Catch my drift? :)""

""Auto rate quotes, lower credit score?""

So does anyone know if obtaining a rate quote for your auto insurance or obtaining a rate quote on auto loans will lower your credit score? Im in the market for buying a new car and i was hoping to obtain as many quotes as possible to see my options. Do they actually run your credit or do they just take the information you give them and provide an estimate? Any assistance would be helpful, thanks!""

Why would the insurance companies be against the affordable healthcare act?

Why is this new healthcare law suppose to do and why are the insurance companies against it for.

term life insurance quotes for seniors

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Istachatta Florida Cheap car insurance quotes zip 34636

"Istachatta Florida Cheap car insurance quotes zip 34636

Istachatta Florida Cheap car insurance quotes zip 34636

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I'm a hot rod & kustom guy, have building and restoring old cars for awhile now..love the looks of em and the feeling I get driving them, I'm opening up my own shop soon too. I drive a 2001 Grand Am GT and it's about to die 190,000 miles needs tires, brakes, bearings, engines making noises but for the price I paid and miles I put on it, it worked well. Now I need a new daily drive to school 72 miles round trip 2-3 times a week. I live in Michigan, was wondering what it would be like to drive an classic car as a daily...say a 1958 Chevy Bel Air with a 283 motor...the insurance is cheaper, easier to fix and find parts..but may be more in gas...just wondering if anyone drives a classic everyday and how is it in the winter...I'd have to figure out heat some how. I have many cars 1968 Caddy Deville on air bags, 1930 Model A Coupe hot rod, 1951 Mercury custom, 1956 Cadillac Deville...etc""

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Nothing happened to the car, I just need to pay for the stop sign. (I still don't understand why they can't just stick the sign back in. Nothing happened to it.) Anyway, I'm wondering if I should call my insurance company, or the person's insurance company. The police took the insurance # of the car's owner, but to file a report, do I call my company or his? (We both have the same company, USAA, but I don't know what policy # to use.)""

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Istachatta Florida Cheap car insurance quotes zip 34636

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I got a car accident due to bad weather and got a total loss. No one is involved in the accident. I`ve got a full coverage insurance at that time. The insurance company is cancelled a contract with me after a claim (accident) I issued, which I found it through insurance agency. The insurance company said that they did not know the previous accident record on my driver license. Then they cancelled the contract. Can I possibly claim a complain with my insurance company? I terribly need any car since I use a car for my job. The insurance company said they will not give me any money either a car. What should I do? Thank you""

How to get TD auto insurance quote in Ontario?

I am a new driver in Ontario with G2 licence. Never had insurance before. Got my G1in Oct. 2012 and G2 in Oct 2013. I am 33 years old married male. I have completed drivers' certification course. I don't have any ticket or any conviction. I am going to buy new 2013 Hyundai Sonata GL. I shopped online and with brokers too. All are quoting me around $320 - 350. I haven't heard anything from TD yet as they wanted me to give them written application to get a quote from them. (I don't know why?). I know TD gives cheap quotes, but I need to know an estimate. After submitting written application, I have to wait 3-4 weeks to hear from them. Can anyone be able to tell me how much will be TD's quote? (at least an estimate?) Thank you in advance!!!""

""If I am under my mothers insurance, will it help me in the future when I branch off?""

I am thinking about putting my first car insurance under my mothers name, but in a couple years I want to start paying it on my own. Will the fact that I was under her name help me a little with my rate? Or will it not matter, and the insurance company will treat me as a new driver?""

Vehicle hit while parked will insurance rate go up????

I get a call from my girlfriend that on the way to the train she saw my car was smashed -Bumper , fender , Headlight need to be replaced The car was parked at the time. Gessing this would be considered a hit and run?Wll insurance rates go up if i put in a claim?????""

How does insurance Work in a dealer finance car if it where to get in a accident?

How does insurance work if a car is totalled in accident, but the car is still finance through a dealership? Would the Insurance payoff the balance owing in the car or just payoff what the car worth? What would happen to the remainder of the finance owing if the car is totalled in accident, but the fault is not in you? Thank you.""

How much will I have to for car insurance?

I'm 19 and I just got my permit. So in 6 months I will have my license. By then, I will have car. Which insurance will be cheapest and how much would I have to pay a month? I know nobody can put an exact price on it, but maybe an estimation?""

Insurance for a 3 series BMW Convertable?

Does anybody know a good/cheap insurance company for a BMW 3 Series Convertable. I don't have any no claims as i have always driven a company car! Please please help!!!!

How much does it cost to insure a car in the UK?

On average, how much would you expect to pay for your first ever cars insurance?""

I have recently ordered a wind turbine. Any recommendations for insurance?

I ordered a use wind turbine from Germany. I was wondering if anyone had any experience doing this and where is a good place to get insurance. I found these guys through Google thoughts? http://www.northernalliance.co.uk/wind-turbine-insurance/

Istachatta Florida Cheap car insurance quotes zip 34636

What is the cheapest legal way to insure 2 cars - 1 with just me with full ncb the other with me and my son?

My son is 22 and wants to insure a vehicle, but finds it very expensive. What is the cheapest LEGAL way for me to help him. I have full ncb on my own car.""

Help finding an orthodontist that accepts my insurance?

Hi everybody well ive been wanting to get braces but i cant afford them and i cant seem to find one anyways i live in California my insurance plan is Healthy Kids its a program part of Healthy Plans of San Mateo County i live in South San Francisco and i really desperately need help finding an orthodontist in or around this area i want my braces really bad like asap so yeah please if anyone can help me out it will be gladly appreciated! thanks

National insurance for under 16s?

If a 14 year old set up an online business in england, when it comes to paying taxes how can they fill in the tax form if the don't have a national insurance number. Can a 14 year old have a national insurance number??""

How much does car insurance cost?

I will be turning sixteen this May, and my mom has arranged for me to get my licence on my birthday (May 1). I have to pay for my own insurance and gas money (unless I am driving somewhere for them). They are buying me just an old used car that will last me through the rest of high school and college (7 years). It may be falling apart by the end of that time but it'll get me from point a to point b. I plan on getting a job as soon as possible. I want to work somewhere this summer, and I will tutor (which I already do occasionally) during the school year, because I don't have time for a part time job all year with extra-curriculars. How much do I need to make to afford my car insurance? Also, my grandad works for State Farm, so we all have to get it there. OH and I took drivers ed when I got my permit so that's deductible.""

""Getting a yamaha r6, how much is insurance usually?""

Never had a bike, have a clean record, what does insurance usually cost on a bike??""

What's a good insurance company to sign with?

I'm 20 years and pay $800.00 every six months for my insurance. I want to find a better and much cheaper insurance company. Please help me out.

""Hi , i had an accident and wrote my car off, i thought id cancel insurance but insurance company say ?""

that i cant because its a credit agreement , i thought that cant be right im now paying insurance for a car that i don't have , help""

Do any states not require car insurance by law?

Looking for a state that does not require me to have car insurance.

What am I required to report when I apply for new car insurance?

I scratched the paint on someone's bumper. A claim was made and the damages paid were approximately $1300. My question is: if I will be applying for a new insurance policy, am I required by law to report that I was in a fender bender? Are they able to access these records? I am trying to determine whether or not this will affect my new insurance policy rates.""

""Car insurance sent me SR-1 form, What to do on SR-1?""

I got into a solo or at-fault accident cause i skidded off the road due to the road being wet after the heavy downpour. Nothing major and my first ever accident so i decided to report it to the insurance for a claim but decided to disregard the claim since nothing needed to be repaired except an alignment because i work on cars so nothing seemed broken. Now that it's been disregarded, mercury insurance sent me an sr-1 form stating i must fill it out or my license will be suspended within 10 days. If i fill it out and since there was no damages over $750, will there be an inspection to my vehicle?""

What is the coverage characteristics of disability insurance?

Cheap UK car insurance for 22yr old?

Hi everyone, I'm looking for cheap UK car insurance for a 22 year old, who has had his license for 4 years, but with no NCB (been driving under company insurance). Any help would be greatly appreciated? Thanks, Matt""

Got a ticket for no car insurance because i didnt have my insurance card?

I just signed up with the general for car insurance earlier today so i dont have proof. About 1 hour ago a car slammed there breaks in traffic and i was one of the unlcky ones behind her. The cop said his systems were down so he couldnt run a check to see if i had insurance. Becuase i didnt have my card, he gave me a ticket for driving without insurance and told me to bring my insurance card to court on that date. Im worried the judge will think i went home and bought car insurance immediately after the accident. My question is, am i screwed?""

How much should a 76 year old pay for liability insurance to drive a 17 year old/as good as new car?

I average about 1,400 miles a year.""

How much car insurance coverage do i need for my car?

I totaly own my 04 toyota corolla What do you guys think the coverage should be...

Where can i get free insurance when buying my first car???

im looking to buy my first car, and was wondering if i would be able to get free years insurance from a local dealership, or is it only mainstream dealerships do that? im looking to spend 1000 on a car, but 2000 if i can get free insurance, how would i be able to get this? Im 17, if age takes any part in this, and living in britain.""

""In Florida, How much (if any) will my auto insurance rate increase with 3 points on my license?

I got a ticket for improperly changing lanes and I'm electing not to go to traffic school (since I only have one more chance for traffic school based on two times/year) for such a minor offense. Would it make sense to skip 8hr school ($70.00) or would I end up paying more in the long run because of my 3 points?

How much will car insurance be for a VW Polo for a 17 year old?

I will be turning 17 in a year and a half and i am set on getting a 2006 Volkswagen Polo because i don't need much more from a car. It will mostly just be used for short drives through my town and city and I will be parking it on the road. I'm hoping to find one with a 1.2 engine and no higher because i know that is a dramatic factor in the insurance cost. I was just wondering, as a rough estimate, how much per year (in British pounds) would the insurance be?""

What insurance companies will insure a dog in California with a prior bite history?

My two dogs were involved in a fight with another dog last year. All three dogs were bitten, and my homeowners' insurance paid out a claim. They have now sent a notice of non-renewal and I am having trouble finding an insurance company that will write a new policy. Does anyone have any suggestions for an insurance company or broker in California that can help? Thank you!""

How much dose it cost to rent a car in NYC for a week ( including insurance?)?

HELP whats the Cheapest place to ge car insurance in ontario?

im a 18 male just got my g1 not to long ago, i have had/drove cars be4 But i am not doin the driving school thing as i dnt have $500 to Blow! so im just gonna wait the 12months to get my g2 (so ill be 19 goin on 20 when i have my g2), i just started saving for a car tht i plan on puttin on the road after i have my g2 (i can get cars for a fair price so im not worried about tht), but where can i get cheaap Car insurance in Belleviille Ontario?, as i dnt make alot of money right no and nobody else n my family has a license lmao so i cant go under their insurance. and i did a online thing sayin i had a 99 z24 nd it said ill have to pay $1013 a month wht is wayy to much money!! and i have already had a 96 cavailer, 93 mx6 (but i drove em with no license or anything) but now i either wana get a honda civic, sunfire, neon, mx3 or acura, 95 and up""

Can I claim health insurance costs?

If i am retired, 55 and have to pay my own health insurance, can I deduct them on my income taxes. Lets say the monthly premium is $500 and my anual income is $24,000""

How much is your car insurance?

Just wondering. Mine's coming to 700!!

""If I report an auto insurance claim under my comprehensive, does it count against me?

Not sure whether to report an damage to my vehicle. I estimate the cost to be about $ 500.00 +. My deductable is $ 500.00. Any info will help :)

Car insurance Voluntary Excess?

hi just got a quote from a insurance broker for cars and i put down 100 Voluntary Excess but what does this mean?

Istachatta Florida Cheap car insurance quotes zip 34636

Teenage car insurance?

I'm a teen, and I'm thinking about getting a car. However, I've heard that insurance for teenagers can be expensive. Since insurance is usually tied to the car instead of the driver, am I able to get away with using my parents' insurance if the car is completely under my parents' names? Am I allowed to save a large amount of money this way? I only plan on meeting the minimum insurance required by law (in California).""

Car Insurance lower or higher if you lease it instead of financing it?

Hello, I would like to know if car insurance is lower or higher if you lease it instead of financing it?""

Ticket for driving without insurance in florida?

Hello, I recieved a ticket in January for Driving without Insurance in Florida. The officer cited me 110$ and let me go, I stayed off the road for a few weeks immediately purchased insurance within 30 days. However my ticket is still unpaid due to lack of employment, bills and stuff and license just go suspended. Can someone explain to me if I go to the courthouse and pay the ticket without any proof of insurance, what will happen. Do I just pay it and thats it and then get my license reinstated? I really am lost, I make minimum wage i don't know what to do but i have to pay this ticket and fix my license i just don't know if they will arrest me on the spot cause i cannot furnish proof or what? My insurance lapsed pretty much because i lost my job.""

Why do people think that mandating car insurance is the same as mandating health insurance?

I could choose not to drive. Also even the democratic legal think tank advisers have said there is no legal precedent for mandating the purchase of health insurance from a private company. If they don't have single payer or even a public option it may not hold up in the supreme court.

How much does full coverage auto insurance for new drivers usually cost?

""Can some body tell much i have to for my car insurance, if i live in brooklyn and 18 with new license?""

hey, i am planning to bye a car by next month, but before i go buy it, i need know how i have pay for my insurance, i am 18 just got my license and live in brooklyn, can somebody what is the most could i have pay...""

Temporary Car insurance??

Need temporary car insurance for about 3-4 weeks, our own policy runs out the middle of next month, but we have just ordered a mobility car, and it wont be here until 1st week in June. We call our current insurance company and was basically told they would charge us for 6 months and then a cancellation fee. What company offers the lowest price insurance for that short amount of time??""

How come different auto insurance agencies charge different prices for the same insurance company?

yes i went to three different insurance agencys to see what quotes theyll give me. one say said ill pay 50 a month and 140 down payment for access auto insurance . the other agency said ill pay 60 a month and 90 down payment for the same company. and the third agency said i would probably not qualify for access auto insuranc. im 20 year old male riverside ca 94 accord. why would three different agencys quote diferently for the same auto company ? whyyy is it a scam

Need insurance for mercedes car - which insurer will use mercedes repair centre?

I'm buying a Mercedes B class. Swinton have given me some good insurance quotes but during the long conversation (with Aviva) to get 7 day drive-away insurance I was told to be careful of the small print: to keep the Mobilo service I must always use Merc-approved garages for servicing and repairs; unfortunately Swinton's insurers say they will choose where the car goes and this is very unlikely to be a Merc garage. So my question is: what do Merc owners do? From whom do you get your car insurance to make sure any repairs are carried out by a Merc-approved repair centre?

""Minor fender benders, insurance, and suspended license?""

if there is minor fender bender, both parties have insurance and exchange info. what could happen if no police report was made, and driver A reports to their insurance company. diver A insurance company then try to contact you, driver B avoids them (even though Driver B was not in the wrong) by avoiding the insurance company can driver B license be suspended, without proof of accident or proof of who was in the wrong. Its been a month since accident, what should Driver B do""

Everything auto insurance will ask you?

I had a car accident, the other driver's insurance company called me, and I need to know all the questions they would ask me personal or not. I know they will ask about the facts of the accident, but I want to know what personal questions(like age, health insurance, education, etc.)""

Good car insurance for a teen?

in the summer im going to get my first job (yay!) and my parents are in a bit of a financial rut so with my paycheck im gonna pay my insurance so i was wondering...which insurance would be the cheapest or have the most deductibles im going to be 18 in october, never got a ticket, never got in a wreck and i have had my license for two years any helpful answers are appreciated :) also if you need any more info let me know!:) ..oh and btw its a 1999 hyandai elantra that i drive""

After market alloys and telling your car insurance company about them?

Hi Guys, I'm a bit of a novice when it comes to car insurance... I recently bought a T reg honda civic, its a 1.4i. It had tyres with wheel trims on them when i bought it. However, I am looking to buy a set of alloys to improve the look of the car. NOT for boy-racing about the place I might add! I was wondering if it would be worth my while getting them if my insurance company are going to charge me more for insuring it including the alloys. I dont want to be running about with the alloys on without letting them know because I know it would make my insurance void. Any ideas what the insurance company are likely to say or do? I have only beening driving since October of 07 so my insurance is already 1200 a year, which is awful and I dont need it to go up much further...""

Is it possible to get a good used car for 3000 $ ?

I live in the Los Angeles area and I am a student .. I really need a car but I can only afford 3,000$ at the most .. Do you think I can get a pretty decent looking car for 3000$ ? and I am 25 years old , I never drove before ... How much do you think the insurance would cost approximately considering that I am 25 years old and new driver with a used car ? I really wanna know if I can get a good one for 3000$ Thanks a bunch !!!""

Should i get 20 year term or a 30 year term life insurance?

My husband and I currently have a 20 year term life insurance policy. We are switching companies because we were paying too much at State Farm. I'm 30 and he is 33 and we are both in very good health. We have a 9 month old baby boy and our policies are for $500,000 each. The rate I'm getting is $45 for both of us for the 20 year term and $70 for both of us for the 30 year term. Which one should I go with?""

How pleased are you with your health care insurance?

Please rate 1-10 (1 being you do not have health care coverage and 10 you are very pleased Also Please give your age and nationality

How much is teen auto insurance?

i normally have bs and as and rarely cs for school. About how much would auto insurance be?

Good Driver Insurance Discount?

Okay, so this is the deal. I have a 3.3 G.P.A. Not bad, right? Well, for one of my classes I actually have an F in for ONE of my Spring 2011 classes. Although I can get the discount, my parents keep hounding me for my transcript and I don't want them to see that F or I'm screwed. Can I still get the discount if I send the car insurance company my trancript from the previous semesters and not my most recent one?""

Am I able to check the status of my husbands car insurance claim ?

Last October , I sold my car so I would be able to buy a more gas efficient car. I found a car that I wanted that was a stick but didn't no how to drive stick. My husband talked ...show more""

Looking for a health insurance coop in California.?

Anyone know of one not related to working at a company or for the government?

Where can i get the cheapest car insurance?

Im a 16 year old male who lives in new orleans. I have a 3.8 GPA and no one in my immediate family has been in a wreck in the previous 5 years. Where can i get affordable insurance?

Can i get insurance with my learners permit?

Hi i finished my MSF course about two months ago and i want to get my own insurance, since my brother is leaving to collage. im 18 and have my leaners permit for about 2 months. I'll get my motorcycle license in 4 more months. i asked PROGRESSIVE and they said they won't be able to insure me till i have my license. BQ: what insurance do you have? any you recommend? I have a clean record.""

Am I required to get rental car insurance if I don't have my own auto insurance?

I am planning to sell my car and cancel my auto insurance. If I want to rent a car, am I required to buy their rental car insurance, since I wouldn't have any other auto insurance otherwise?""

Am I covered on someone else's insurance?

For example: I am a licensed driver first off. My grandma can't drive very well. Sometimes I take her places if I have time using her truck that has insurance on it. If she is with me every time I drive her somewhere, do I have to be insured? (Louisiana)""

Is there a new law about not having car insurance?

i heard the law had just changed in California and my insurance just ran out in order to renew i need to drive to the bank and im not sure if i can with no insurance

Istachatta Florida Cheap car insurance quotes zip 34636

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