#they were worried about her 'advanced age' clear back in 2011

[cultivating-wildflowers]

Sorry if you knew this, but I just found out PBS Nature did an episode on grizzly 399 and her quadruplet cubs

I did not! I was wondering how our Tetons Queen 399 was holding up!

the episode in question for anyone curious

[dy1kjxxa-blog]

How can i get Health insurance?

How can i get Health insurance?

Hey looking for advise on how i should go about getting health insurance. I m 18 turning 19 in March my father is passed away and i live with my mother we recently moved to Arizona I m from Massachusetts i knew about mass health but never had to deal with anything due to always being insured by my mother and fathers works. Looking for what i should do Also i do not have a job as of right now I m looking for health insurance so that if i get hurt while doing things such as snowboarding an break a bone or something i don t have to pay a 12,000 bill when i have no money Thank you for any help

BEST ANSWER: Try this site where you can compare free quotes :insure4car.xyz

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[marlahey]

we stumbled in the dark; i knew we’d be alright (part one)

a shawn mendes rpf fic rating/warnings: currently teen for language; probably smut-less (sorry?) since I haven’t aged him up here and he’s a real person significantly younger than me so the whole idea is slightly weird. notes: inspired largely by the TNHMB music video, (curse shawn and his stupid heart eyes) plays fast and loose with the actual logistics of an international tour/various locations, set in a nebulous SM3 era timeline because the full album drops tomorrow night and y’all can bet I’m gonna reference his new stuff. thank you to @achinglyshawn​ for being a lovely and encouraging new friend. hope you like it! I haven’t written solid anything in at least a year, least of all rpf which I haven’t done since like 2011; don’t know why the urge struck like lightning, but here we are. pearson international airport; now

You’ve had the dates in your calendar for months. You’ve sat in on meetings about the set design, the crew, and the appearance schedule; you personally claimed the receipt on a portable humidifier and the seemingly-endless variety of adapters required for it to follow Shawn from green room to green room.

This is it: it’s the first day of the international tour. You should be walking to the gate, but the bustle of Pearson International feels muffled, somehow. You can’t get your feet to move. “You’re gonna get run over if you keep standing there like that.”

Craning your neck to look at Shawn will never not be vaguely annoying. Mid afternoon sun glints off the shades on his head that are meant to be disguising. He’s smiling a little at his own joke, glancing over you at the people at the gate just ahead, boarding a flight to Edmonton. There’s a little girl holding a stuffed Eeyore, his velcro tail dragging on the floor. She takes her mom’s hand, but clutches at Eeyore more firmly as she walks. You can’t stop staring at the pink bow. “You okay?” Shawn’s expression has gone from relaxed to concerned. You flush, suddenly aware of yourself again, and him: as busy as Pearson is (most people don’t spare either of you a second glance), he is a superstar; you’re the one who’s supposed to keep him from getting hoarded by fans at the airport. It’s honestly a miracle it hasn’t happened yet. “I’m fine,” you say. Shawn’s eyebrow lifts, a wordless doubt. “You’re not afraid of flying are you?” You shake your head. “Don’t worry about it. Come on, we’d better get going.” You reach for the bag at your feet, clanging with all the jewelry you feel naked without, but Shawn snatches it up. You get a noseful of his cologne; you try very hard not to think about how good he smells. Shawn gives you a cheeky half-grin, pushing his sunglasses down over his eyes, leaving you to watch as he somehow manages to stride ahead with your bag, his bag, and his guitar, and still look cool. It’s almost infuriating. You have to trot to catch up with him. “I can carry that myself, you know.” Shawn doesn’t reply, though he’s slowed down to account for your height difference. You open your mouth to proclaim your own self-sufficiency, but snap it shut just as you see what is clearly a girls’ sports team lounging in wait at the next gate. Fuck. You chance a look at Shawn and watch as his fingers curl tighter around the strap of his guitar case. It’s probably a dead giveaway, but Shawn is very particular about his acoustic guitar. He holds out your bag, which you accept wordlessly, resisting the urge to step closer to him as if you could shield him with your meager five feet and five inches. He loves his fans, but international flights are stressful enough and Andrew had been clear about keeping a low profile. Besides, your sister would kill you if you messed up on the first day of the tour, when your only job is, play decoy and get Shawn to the gate unnoticed. Officially, as Shawn’s PA’s little sister, you’re technically not on the payroll. No one but the crew knows you’re part of the team, which makes you the ideal candidate to accompany a relatively disguised Shawn through the airport. You aren’t at things like interviews or meet and greets, but Ava’s words to Andrew over a year ago were, if you want me then Eleanor has to come. What Ava didn’t say (at least in earshot of you) was, she doesn’t have anyone to look out for her and I’m not leaving her alone for weeks at a time. For which you’re grateful. Being the (albeit 17 year old) child underfoot in an industry of adults was bad enough. If the circumstances were different, you’d probably resent your elder sister for uprooting your whole life and taking you away from school and your friends. But as it stands, you only have one close friend and you and Ava are more than just sisters, anyway. She practically raised you. And well, touring with a pop star or advanced calculus? It’s a no brainer. So you get to hang around with Shawn Mendes and occasionally help out, like with the humidifier when your sister is swamped, and learn about soundcheck when thing aren’t too crazy. As your sister’s pinch hit one month gig for Shawn’s manager turned into six, and then became permanent, you graduated to a (silent) chair at meetings and a bunk on a tour bus. You traded not being allowed any real social media for a TOUR CREW badge and lanyard. And being the decoy. Most days, it’s worth it. You pass the gate. Shawn’s shoulders relax; you let out a tense breath. It probably says something about your generation, that all the teens you pass are so engrossed in their phones that they don’t even notice an internationally famous musician only a few feet away. Shawn has pulled his hood up, but even underneath his sunglasses you can make out the longing as he stares at the second Starbucks en route to Gate 64. “Relax,” you say. “I’m sure you can get one before we go.” Shawn makes a noise that could be a snort. “Fine,” you amend. “Ava will get you one. Or I will.” He frowns as you round a corner and the sign for Gate 64 finally comes into view. “You know I hate it when you guys have to do stuff like that. You’re not like, a servant at my beck and call.” “I know,” you say, skirting around your sister’s paid capacity as Shawn’s personal assistant. You understand what he means. Ava is actually already sitting at your gate, phone to her ear. Andrew and the rest of the immediate team mill around, chatting. By some miracle – or Andrew and Ava’s impeccable planning – there are no other flights for several hours on either of the gates around you. It’s blissfully quiet. Your sister tilts her head at you as you drop your bag next to her glossy, hard case carry-on. You flash her a thumbs up, and then make a silent drink? gesture at her before nodding at Shawn, who has checked in with his manager and now stands at the floor to ceiling glass wall, staring out at the planes. Ava nods, mmhm-ing to whoever she’s on the phone with. She pulls her wallet from her purse without looking. You procure a twenty and point at your sister, another silent question, who just gives you a grateful smile. You wander over to Andrew and the head of sound, Mike. “Coffee?” you ask. “I’m gonna do a run for Ava.” “Please,” Andrew replies, though Mike shakes his head. “You guys got here okay? I didn’t hear any piercing screams.” The thumbs up you offer Andrew feels as sarcastic as you know how to make a single hand gesture. You don’t know why; you and Shawn are perfectly capable of walking in relative silence without incident, and Andrew is just being silly, but there’s a strange undercurrent of doubt that doesn’t exist when your sister asks things of you. “Two sugars, right?”   “I’ll go with you.”  If even you can catch the way Andrew’s easy smile folds in a little, Shawn can certainly see it too. You think about the conversation that you’ve just had with him and fiddle with the plastic bill in your hands. Shawn’s manager could certainly refuse him, but even that small moment of conflict doesn’t seem like a good way to start a four month journey across the world. “We’ll be quick,” you say. “There’s even one further down.” You point down the seemingly never ending row of empty lounge areas where a sign proclaims that triple digit gates are further ahead. Andrew looks from you, to Shawn, and back again. You can never tell how he feels about having to drag a seventeen year old around to keep Shawn’s most competent personal assistant (Andrew’s words, overheard behind a door almost a year ago), but you feel the leash of your age in moments like this. Shawn is only nineteen of course, but he’s the precious cargo of this trip. You’re just the extra baggage. “Decaf tea,” Andrew says sternly, jolting you back to the present. “Ava has something to help you sleep, Shawn. We need you in the right time zone when we land in Lisbon.” Shawn nods, and that’s that. He pushes his sunglasses back down as you fall into step together. There’s a little bounce in his shoulders which makes you bite back a fond smile. It feels like forever ago that you were starstruck by him. Which isn’t to say you aren’t still, sometimes, watching Shawn perform. But you wouldn’t trade this comfortable silence for anything. “So are you going to tell me?” he asks, when the Starbucks appears like a mirage out of the dreary backdrop of the airport. It’s empty save two men in suits and the baristas, two older women. You look up from texting your sister to confirm what she wants. “Tell you what?” “Why you were so spaced out earlier.” You make a face at him. “What, you don’t trust me?” You can’t reply right away, saved from having to by walking up to the counter to order three chamomile teas and Andrew’s coffee. Shawn flips up his sunglasses; now you catch something peculiar in his expression. “El,” he starts, and to your horror, he looks apologetic. “Shawn, I–” You stop. You’ve forgotten yourself. Be discreet. But no one, including Shawn, seems to have noticed. “Three tall chamomile teas and and a grande black coffee for Ellie?” Shawn’s already reached over your head for the cardboard holder. He smiles at the barista, who blushes a little. Even without his talent and stardom, even unrecognized, Shawn is objectively, undeniably, handsome. You roll your eyes, thank the women, and drop some change in the jar. “Of course I trust you,” you say, once you’re out of earshot of Starbucks. You don’t know why your stomach flips as you say it. Shawn’s smile is small and pleased. You have to concentrate on not blushing, so the rest just tumbles out. “I just had a list, that’s all.” “A list?” You tuck hair behind your ear, a nervous habit. “Of places I wanted to go. And we’re somehow going to be ticking them all off on this tour and it’s just–” You make an expansive gesture at the vastness of the airport. “It’s a bit hard to believe, sometimes. It’s not like I’ll necessarily get to see the sights, but still. Paris, London, Amsterdam.” You glance up, somewhat embarrassed, at Shawn whose expression has gone thoughtful. “I mean, you’ve been to all these places before.” He shrugs. “Doesn’t mean it’s not amazing every time.” His excitement lights his eyes. Sometimes, you think, he’s a bit like the sun; beautiful to orbit, hard to look at directly. “I hope I never get used to it.” All you can do is grin at him. Back at the gate, you deliver Andrew’s coffee before setting in beside Ava, who is finally off the phone, but continues to stare at it, scrolling through Twitter. Shawn drops down on Ava’s other side and wraps his long fingers around his tea, inhaling greedily. “Don’t burn your tongue,” Ava says without looking up. “Yes mom.” You smother a laugh into your own first careful sip. The next two hours before boarding feels like it drags by. You want to walk around to stretch your legs before you have to sit for eight hours, but it seems cruel to wander about when Shawn clearly cannot. “Have you called your parents yet?” Ava asks sometime later. You’re suddenly reminded that you haven’t spoken to Hannah in several days. Your best friend will not be pleased. Shawn swears under his breath, ejecting his long limbs from the seat all at once and plucking his phone from his pocket. You have to stifle another laugh. Your eyes follow as he wanders to the next empty lounge, his mouth forms the words, “Hi Mom,” and then you have to turn away from that soft, private smile. You: So I might be out of range for a while – I’m headed out with Ava and we’re doing a ton of traveling. Hannah: Getting dragged around by your sister on the whims of another celebrity? You deserve better than that! You: You know it’s not like that. I like helping Ava. And the celebrities aren’t all bad either. Keeping Ava’s job, Shawn, and the tour a secret has been a struggle. At first, Hannah would try to wheedle the information out of you, or Facetime you at random times to catch you out, which turned into arguments about you not answering your phone. But eventually, you laid out the truth: if you went around advertising the celebrities you got to meet, your sister would lose her job. Simple as that. Hannah had apologized, and for a while, you thought the matter settled. Ava somehow never appears in photos with Shawn, even during a hotel ambush. Hannah didn’t even listen to Shawn’s music when Ava first began working for him, besides the occasional car radio or mall. You were safe. Until she did. Somewhere between “Mercy” and the rest of the Illuminate album, your best friend went from Shawn who? to Shawn Mendes superfan. It was a little scary, honestly. Now you deal with almost millisecond updates from your best friend when Shawn does almost anything, which is especially hilarious when he’s four feet from you when he does them. The gate attendant finally calls boarding for the fourth zone. Ava hands you your passport and your boarding pass, and waves Shawn over for his. shawnmendes just posted a photo. Your account, created while your sister stared over your shoulder, is private and contains no photos. You effectively only use it to follow Hannah, Shawn, and an assortment of other celebrities. You’re not much of a photographer, anyway. You thumb at the notification to reveal a view of the plane, rising up behind empty lounge seats like a mountain. shawnmendes: See you soon Europe! x Hannah: !!! Omg he’s leaving! I can’t believe he’s touring Europe first. “Len!” Ava has her ‘professional’ face on. You type out a quick goodbye and hurry to join her. Now that you’re finally out of that chair and through the boarding gate, the reality of where you’re going starts to sink in. Butterflies start to riot. “Where are you?” Shawn asks, holding up his boarding pass. You straighten yours so he can compare. “Hey A and C, nice!” It makes sense, sitting in the same row as your sister, who would also logically sit with Shawn. It’s not necessarily the seating arrangement that bothers you, or the time; you’ve hung out on tour buses plenty. There’s also that time, in New York last fall. Which you don’t talk about. But you’ve never been this far away from home and you can’t tell how you feel. Having that crisis with Shawn just a foot away is just slightly more than you can possibly handle, right now. You watch as he helps Ava with her carry on, which earns him a gentle pat on the cheek, before he slides into the window seat. It’s just Shawn. Don’t be weird. “Lenny,” Ava calls you forward. “Sit in the middle for me? I’m gonna have to get up a bunch to survive this flight.” Seriously Ava? If your sister notices your inner turmoil, she gives no sign. Your awareness of other people waiting overrides your sudden hysteria, so you shuffle into the row. Shawn’s legs are extended as far as they’ll go, but he still looks comically too big for his seat. You suppose that you can only be grateful for your stature now. You weren’t lying when you told Shawn you weren’t afraid of flying, but it doesn’t mean that take off is pleasant. But he’s leaned back far enough in his seat that you can focus on the sight of Toronto falling away beneath you. He wiggles his fingers at the window, a tiny goodbye, and your heart stumbles a little. Once at cruising, you busy yourself with returning your rings and bracelets to the right places. The one on the first finger of your left hand is hard to look at, sometimes. Ava’s fingers suddenly curl around it and squeeze. You miss your parents suddenly with such fierceness it’s hard to breathe. “Here Shawn.” Ava lets go of your hand to pass Shawn a packet of tiny purple pills as the drinks cart rolls up. “Just one should be fine.” He pops one out and offers it to you, like a stick of gum. “It’s better to sleep, if you can.” Right, you remember abruptly. International pop star. You’ve never taken a sleeping aid before. “I’ll wake you up,” Ava says, stirring her Clamato mix. You feel reassured and then promptly silly, as if you’re not three weeks from your eighteenth birthday. You’ll be in Paris. The thought makes you giddy. Shawn tilts his head against the window, his hood up, and eyes closed. He looks young and unburdened and so normal that you have to consciously pull your eyes away. Halfway through a podcast, the pill hits you like a freight train. You don’t even remember nodding off. You wake up hours later, your mouth full of invisible cotton, inhaling a familiar cologne. The cabin is dark and quiet. It takes a considerable effort not to jerk upright; your head landed on Shawn’s shoulder at some point during the flight. That’s happened before, on the tour bus, in the strange hours of night when you’re leaving a venue and the streets are quiet. You’d doze off for a minute or two in the debrief meeting, before a sudden stop jerked you awake. Normally you’d sit up, self-conscious, and there’d be something teasing in Shawn’s smile before Ava sent you both to bed. You still don’t know why he always just left you there. But this is different. This is Shawn slouched down beside you, his cheek on your hair, the cool mint of the Tums he favours ghosting down against your face. He’s so warm. Sit up, your brain insists. Sit up before he wakes up and it’s weird forever. But your body can’t quite manage it. “Go back to sleep.” You manage to turn your head just enough, but Ava is still, her eye mask firmly in place. Shawn shifts and you freeze. “Sleep, El.” His voice is thick and groggy; Shawn’s nose presses against you. He breathes in and you can feel his body rise against yours. You close your eyes and take a breath. Dawn streaming into the cabin wakes you again, this time against your sister. Shawn is leaning against the window, still asleep, and you convince yourself that the whole thing was a dream. (part two)

[letsimportanttreecollection-blog]

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I'm 16 and i'm thinking of getting a Ninja 250r for commuting purposes and just riding around to school and what not. I have a friend that is going to upgrade to a new bike soon so he will give me his bike but I was wondering how much the insurance is for the Ninja 250, I have Geico and was going to do all the free quotes thing but I was way to lazy finding out the ID number and stuff so I was wondering for anyone out there with a 250r, how much are you paying every year? Thanks! :D""

""I don't have the car yet, but what am I looking at for insurance?""

I'm in a bad living situation and I'm slowly trying to get out....I make minimum wage and I'm trying to finance a vehicle...I have no money to put down, and the little credit I did have was gone a long time ago due to unpaid medical bills.... I'm also trying to put money towards my rent and other bills, so I can't afford much..... I have no credit cards or expired loans, and don't want any...so please don't recommend any..... I figure with taking $80 out of every pay check I can afford a payment of $320 a month....Also taking 30 out of the same pay check to make payments of up to $120 towards insurance..... Is this too much? This is the first time I'm paying insurance on a vehicle, I'm also living on my own for the first time as well..... My last ticket was almost 7 years ago...I'm a safe driver...what kind of prices am I looking at? I know I can go to specific sites and plug in my information....but I don't have the vehicle yet and I'm trying to budget for the purchase....I'm planning on getting a small reliable car, nothing flashy..... Can anyone guesstimate a price for me? Am i figuring too high?""

Why doesn't Obama want people to be able to get health insurance from other states?

wouldn't this create more competition in the insurance business?

Can an insurance company cancel the insurance after they found out that there is something wrong?

hi! we just bought a house and got insurances but then after a month in our new house, we got a notice from the insurance saying that our insurance will be cancelled by the next month coz they found out in the inspection that there is a rott on the garage roof and told us to fix it first then they will continue our insurance?? i just wanna know if they can do that or if that is allowed to cancel our insurance after they accepted us?? what can we do ?""

""After 7 years out of country, why the high car insurance rate?""

Seven years ago, I got a job working overseas. I sold my car here in the US before I left. Now I have returned to the US to live and I bought a car. I was shocked at the insurance rate - the cheapest I could find for a 2013 Ford Fiesta was $1112 for six months of coverage! I asked the agent why the rate was so sky high. Well, because the assumption is that you have been driving here in the US as an uninsured motorist for the past seven years . I tried to show proof that I was living overseas for those seven years, and that I didn't have any vehicle to insure in the US. But my explanation fell on deaf ears. Is there any way to explain my situation to Safeco (the insurance company)?""

""Speeding ticket, will it raise my insurance in texas?""

hey, I got a speeding ticket a few days ago and would like to take the defensive driving class instead, if the judge will let me. i really dont want to let my dad know about it and i am willing to pay all of it, i just dont want to have to deal with my dad. Will my insurance go up even if i do the defensive driving class? Thanks!""

Question with car insurance?

Okay so we have two cars. One 1992 buick and a 2006 civic coupe. I usually drive the coup and my name was on the insurance for it, but recently my parents swapped insurance to save money but it involved switching my name to the buick and their name onto the civic. They tell me i can't drive the civic anymore b/c if i get into an accident then it won't be covered since it's under their name and not mine. Is this really true? I thought that as long as the car is insured it's covered?""

Is it legal for me to drive my friends car with my own insurance?

So my friend and I bought a car, however he does not have insurance yet, and I have comprehensive, liability and theft insurance for my own vehicle which is a Honda, now while I use his car, would it be legal for me to drive the car using my own insurance card? I have a notarized letter from my friend that I am allowed to use the car.""

16 year old girl car insurance?

When I get my license, my parents will be putting me on my own plan and will be having a 1995 Geo Tracker in my own name. On average, how much would it cost a month to get the insurance I need? I'm hoping to be getting $450 a month. My cumilative GPA is a 3.2 I don't know what other information would be helpful.""

California auto car insurance question?

I own three cars and I want to purchase auto insurance for all three of them. But my question is, if I plan on keeping two cars at my residence, and the third one garaged at another residence (at my father's address). Is that legal to do so or I must have all three cars parked at my residence? Will the third car be exempt from my insurance policy if I decide not to garage it at my address?""

Insurance money or insurance fraud?

My dad told me a story about his boss a long time ago about how his wife survived cancer, and incurred 1million dollars in bills. the company has a health insurance that covers his entire family, but he also was covered by another health insurer...be it his or possibly his wifes. After the whole ordeal he paid off all the bills and had received an extra 1Million from insurance.... Was this legal? ( He was paying for both insurances ..knowingly or possibly not )""

Has anyone used e-suarance for a car insurance quote. I called them a few hours ago & they gave me a good...?

quote but they Hadn't run my driving record yet. And they said they can use ur credit report but, Otha than seeing if u hav paid ur car insurance/bills on tym I Don't see Why they need That info, otha car insurance companies I called Didn't want to check my credit history & Every check on ur credit report can make ur credit score lower & my credit's not that gud rite now tho I pay my utilities, rent, my current credit card & my cell bill on tym & my auto insurance in the past was always paid on tym. (I haven't had car insurance for 3 1/2 yrs cuz I haven't had a car.) Also, they were telling me if I call back the quote mite not stay the same cuz I was tryin 2 get the quote number & No Other insurance companies said that, the otha 1's gave me a quote # so I can deal wit the quote later if I decided 2 go wit them. E-suarance (was tryin 2 get me 2 put a down payment down today & then the insurance would kick in automatically but I told them I want to pay for 6 months at once & I don't hav the money now cuz I hav 2 deposit it in the bank tomorrow, it's a postal money order & will clear Tues. & I Don't Need the insurance 'til Tues. &, then I'll need proof of insurance Tues. to take 2 the DMV wit the papers from the dealer 2 register the car & get the license plates. E-saurance said they could send an e-mail upon payment that I could use 2 show proof of insurance at the DMV or if I Can't print that out I could download their app & show them my proof of insurance thru their app. But that sounded fishy 2 me. Also the guy on the phone from e-suarance wanted a credit card # 2 run my driving record but I was like None of the Otha car insurance companies needed that 2 run my driving record. I Don't want 2 get charged for them 2 run my driving record or 4 any Otha charges. Which is making me suspicious now of the low rate or of paying by credit card ova the fone wit them. Since they're backed by Allstate can I go 2 an Allstate office 2 pay cash & get proof of insurance?""

Car insurances how they rate?

different car insurances how they compare

""Buying new car over weekend, But need insurance?""

Ok so I am most likely buying a used car tomorrow. This will be my first car as I am 16 and need something to drive to my job yada yada yada. Anyway, tomorrows a Saturday and my insurance company is closed and my parents need to add me to their policy. Since we are not trading in a car, we dont have a policy to carry over to the new one which I know some insurance companies do. Also, I have Farmers insurance so I am not sure what their policies are over this sorta thing. Any help is appreciated. Especially if you have farmers insurance or have had this kind of problem with them.""

Can my daughter be put on my insurance?

My daughter is 21 and she has no insurance. She is a full time college student and does not work. Can I put her on my insurance through my work? And what are the requirements?

How to get different types of insurance?

Dental, health, medical, etc. Im graduating HS and my parents are taking me off there's. They say it's time to grow up and support myself. I fully understand. And I have no complaints. So that's why I'm asking. I just got a job, so would that help?? I'm taking a break from school (college) for a couple years.""

Where can i get health insurance?

i've been on the pc for about two hours now looking for health coverage that does not cost me an arm and a leg and a foot. This is gonna sound like a personal ad, but i dont care,lol I am 20 and i just finished getting my aa this past december, (so i am no longer a college student), i live on my own, my parents do not supplement my income in any way(and they no longer want me on their coverage so thats a no). i have no children, i make about 30,000 (two partime jobs, niether give health coverage for part time employees) I am female, i've never smoked anything, (ciggarette, marijuana, etc) i work out 5 times a weeks( about 140lbs, 5'3), and most of all i live in that crap bowl known as new york. I need some type type of vision dental, medical, etc coverage that is affordable, im not looking for free, but something i can afford (around 0-$75 a month if possible), please help""

HOW CAN I CLAIM THE car INSURANCE to REMPLACE MY CAR?

I had a car accident and my car insurance covering third party only and them found me that was my fault I need to know how can I claim if there is any dealing, thank you""

""What is the cheapest car insurance in Toronto, Canada for a female student w/out any prior auto insurance?

I am 22 years old and have never had auto insurance b4. I do have the driver's certificate and currently have a G2. The basic coverage is fine as I will not be getting a new car. I'll be getting a 1998-2001 car not sure of the modell yet.

What insurance company do cheap American car insurance for young drivers?

I'm 19 years old and I'm considering getting a 1985 Ford Mustang 5L V8 in England. The question is who is going to insure me at a reasonable price? I'm not looking at using the car everyday, I probably wont put 4k miles on the clock in a year. Please, can anyone help me?""

What is the difference between Investment life Insurance and Life risk insurance?

What are the products included under the category Investment life Insurance and Life risk insurance?

health insurance quotes indiana

health insurance quotes indiana

What is the best way to get cheap car insurance for young drivers in the UK?

How come when I look at comparison sites such as confused.com they quote something like 10K for a 17 year old male that has pased. I know that a better way is to add your parents as the main driver and yourself as the additional however, the issue is that non of my parents drive. So what would be the best way to get a reasonable car insurance for a 17 year old then?""

What is an insurance quote?

people say low insurance quote .... what is it. how does it work and how does the whole car insurance thing work what if i buy a $5000 car ... how much would i be spending every month including tax, insurance> EXCLUDE GAS""

""Totaled my car, What will insurance do?""

Yesterday I totaled my 2000 ZX3 and almost died, luckily my roof didn't completely cave in as i slid in the ditch after i flipped over, SO my engine and transmission isn't damaged. I wanna save some movie and just buy a car like mine with a blown engine and then switch engines and get the keep the rest of the insurance payout. I already found the possible car BUT i'm not sure if the insurance company will let me keep my car after its declared totaled? The car i found is for only 500 dollars and my dad is a mechanic, so i really need 2 know quick""

Can my daughter be put on my insurance?

My daughter is 21 and she has no insurance. She is a full time college student and does not work. Can I put her on my insurance through my work? And what are the requirements?

What will the average insurance payment be for my BMW?

Ever since I was little I've always wanted a BMW. Well now since I'm turning 16 in the fall I have the option of getting a 2004 BMW 5 Series 545i for $9,000. It's in extremely good condition and I just love it. I will be making around $200-250 a month and my monthly payment will be about $106 to the bank till my senior year in college ( yes that's 84 months but it's in good condition so it's worth it) and I was just wondering if any one had a idea how much insurance would cost? I really want to get this car but I won't if I'm not able to pay a payment and insurance at the same time due to other small bills i have. Thanks""

Car insurance for girls?

I am 18 and looking at starting my driving lessons and buying a car, BUT insurance is so expensive for a first time driver. Does anyone know what the cheapest car will be for me to insure,?? Thanks.""

Do illegal immigrants get health insurance?

What insurance and how?

I need affordable pet insurance for my dog any suggestions. I cant pay more than 20 monthly right now?

I need affordable pet insurance for my dog any suggestions. I cant pay more than 20 monthly right now?

What are the best supplemental insurance companies?

I am looking for quality, honest supplemental insurance companies. I am looking for a company who has good customer service and good products. A company who does the right thing and treats their policyholders well.""

How much will insurance cost after first dui offense?

I got my first dui for parking my mom's car for her(my intentions weren't to drive home drunk at all... just back 10 feet.) and I use to have insurance but canceled it when ...show more

Need cheap car insurance in NY?

Hi I'm in need of low car insurance in NY. I'm 22 female car is a 98 dodge caravan. Please i tried all those random websites that shows you insurance. I need names of insurance please =]

Credit scores taking a hit from homeowners insurance checks?

Hubby and I called around checking what rates would be for homeowners insurance, but I got a little ahead of myself, seeing that our closing date isn't until August! I called about 4 places, they all ran our credit and said it will be a light hit on the credit scores... Well how much of a hit will our credit scores take?? The bank wants our credit scores updated since them, since we want that late August closing date.. Anyone know how much of a hit it will be?""

I have cancelled my car insurance?

I have cancelled my car insurance for my old car , because I have bought a new car . . . Now I am waiting to sell it , but I don't know where I should keep it . . Is there any problems if I'll leave in front of my house in the car park without a insurance ? Thank You""

I have a a term life insurance calculator?

I have a term life insurance calculator, i want to place the link in to other sites which are relevant to term life insurance. Can any one please suggest me list of those sites which are relevant to term life insurance or any article or blogs site which belongs to an individual person and is relevant to life insurance. Please provide me only US site. thanks""

UK- Can you help me find cheaper car insurance?

I currently own classic mini and after 6 months of driving it i want something more reliable. I didn't earn any no claims bonus on the mini as it was on a classic car policy, which I paid 900 a year third party, fire and theft. I want to get a 1.3 toyota yaris but cheapest insurance I have found is 5500! I will be the main driver of it and no i will not front it (go as named when im actually main driver). Which companies are best for young people. I don't want to pay more than around 2000 a year on the insurance. I know there are many factors that affect insurance but I'm looking for companies with good deals/lowest premiums and/or general tips to reducing the premiums. I live in the UK by the way.""

Health Insurance/Student emergency card help!?

I'm currently filling out a Student Emergency Information Card and I'm stuck on the Health Insurance portion... For the portion, it only says Insurance #, I have HealthNet but I don't know whether to write the group number or the subscriber number.. I'm kind of sure it's the subscriber one, but I need some assurance. Also, it asks for Medi-Cal straight after that with Yes/No.. How do I know if it's medi-cal or not?""

""My car has been tranferred name, if I still drive the car, do I need to buy new car insurance?""

I am existing car owner, due to financial problem, I transfer my car to my brother's name. However, I still drive the car, would I need to buy new car insurance for myself, or I can still using existing one""

Does medical Insurance transfer to a different state?

I have Kaiser Permante for medical insurance. It is very possible that I will move from California to Florida next January. How will my insurance switch? I heard there is no Kaiser there. Is there an alternative company? How can I find this out if I can't find out here?

Good insurance companies..I want to switch my car insurance..I need advice?

I have my auto insurance with Allstate and they're just ripping me off. They're always bringing up the prices yearly and I want to know where I can get a better offer. My car is a 2004 Elantra and they want to charge me 1 369 $ from March 4th to January 24th and that's just too much. I know there must be a better insurance company out there. Which ones and can I get a quote online ?

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.

What's a good health insurance option for a 22 yr. old male?

My boyfriend just lost his coverage under his parents policy and needs insurance that's pretty affordable but still covers things such as: -emergencies (of course!) -vaccinations -yearly doctor visits/sport physicals Any recommendations are welcome! Thanks!

How much should insurance for a 20 year old male driving an 81 corolla cost. no tickets at all?

How much should insurance for a 20 year old male driving an 81 corolla cost. no tickets at all?

Insurance for first time male driver (16 years old almost 17)?

I'm two months away from being 17 and I'm looking at getting a 2001 E46 BMW 325i. Does anyone have a guesstimate or actual cost to insure myself? Would there be anyway I could insure myself under my parents name to lessen the price?

Can I register and insure a car with a suspended license?in tampa Florida?

Can I register and insure a car with a suspended license?in tampa Florida?

HEALTH INSURANCE FOR INFERITILITY?

I live in Georgia and I am trying to find some private insurance that would cover fertility testing and not treatment such as ivf OR IUI . Me and my fiance have been trying to have a baby for 3 years and i have tried everything, i finally have saved up enough money to be able to pay for private insurance can someone please tell me some health insurance company that may cover fertility testing.""

health insurance quotes indiana

health insurance quotes indiana

Insurance in college?

My mom tells me that you have to go to college directly after high school in order to stay on your parents' insurance plan or you get taken off and have to work full-time to get insurance. However, my question is if you get a job after high school and get insurance for yourself and then decide to go back to school a year later can you get back on their plan.""

Im pregnant and need insurance. Is there affordable prenatal insurance besides medicaid?

Medicaid denied me because I make 25 cents more than the allowed amount. I am 4 months pregnant and have not had any prenatal care due to lack of insurance and fighting with medicaid. Is there AFFORDABLE coverage that anyone knows about?

Can I wait to pay car insurance?

I recently bought a car, but I'm not legal to drive it alone until February (I bought the car NOW because it was an amazing deal and didn't want to miss an opportunity like this) Can I wait to pay for insurance until I get my license (in February) or is that illegal?""

How much does car insurance cost for a 17 year old?

I'm currently 17 with and just got my license a couple of weeks ago, i was wondering how much does the insurance cost annually for a 17 year old like me? Thanks for your help!""

Same insurance company but different rates?

Is it true same insurance company but different agent offers different rates?

My son is driving his grandmother's car without insurance?

My son's grandmother allows him to take her car whenever he would like. He has no insurance and drives the car all over the place. I have told him to stop driving it but I have no control over her car or the keys. I have warned them both several times that this will get them both in trouble. How can I stop them from doing this and is there a way I can turn him in to learn his lesson? If he gets in an accident or gets caught for this, who will have to pay for this? Me or him and his granmother? I do not want to be responsible for his ignorant behavior""

Would insurance on a corvette be too expensive for someone 19 years old?

I am 17 now, but in a couple years I will have enough money to buy an older corvette. I am looking at either a C5 corvette (97-04) or a C3 corvette (68-82). I am leaning more toward the C5 but since it's a newer car, I would think the insurance would be more expensive, even though the car might only cost 12 grand. The C3 would be cheaper in price, and i heard insurance is really cheap for classic cars too. So, in your opinion what do you think?""

Vehicle with no insurance MINNESOTA?

My girlfriend got pulled over tonight after having a brand new car for two days after selling her first car she drove for two and a half years, her mother apparently told her that she had 7 days to get insurance so sure enough we got cited for no insurance. I guess I was curious to know if liability covers her driving a vehicle without insurance? It probably doesn't but I know there is a form of insurance that does. If this is going to slide downhill I would also like to know some advice you have to word it nicely to a judge to help avoid a 30 day license suspension. I heard earlier tonight that in mn it's mandatory but I'm hoping not. Thanks for your help and time!""

Just wondering if there is any kind of insurance coverage for the victims of the tsunami?

It is a natural disaster. I know that in California there is earthquake insurance but very expensive. Do the Japanese have any kind of insurance protection? I'm sure there will be some kind of aid from the government but what about their losses? Thankful to be alive, I'm sure.""

Quad insurance abd bike insurance ?

Jw if I get a 125 or 250 quad if the insurance will be similar to a bike or car same with tax Cheers

How much will motorycycle insurance be for a 17 year old?

im getting a 487cc Suzuki gs500f, how much do you think insurance is going to be? also how can i lower the cost of insurance, will it lower when i turn 18? im taking the msf course and getting it under my family plan if possible thx""

""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.""

Switching insurance companies to get the car fixed?

The accident was not at my fault. Had a police report. Contacted both insurance companies. Got a rental car and check ($1500) from other party's insurance company (NJ Skylands) as decided to go through them. Brought the car to body shop and found out NJ Skylands wants to cheat and pay less. So I called my insurance company (State Farm) and reopened the claim to go through them. State Farm took deductible and issued a check for $1788. Body shop wants to get $2788 for repair. Can I still use that check for $1500 to cover the rest of expanses?

SOMEONE PLEASE HELP ME OUT WITH THIS (CAR INSURANCE)?

i'm a learner driver with my 1st car that im covering with 3rd party fire & theft since i'm not able to go out alone either my partner or dad will be with me while i drive but just say say for whatever reason they had to take over would they be covered to drive my car even though neither would be a named driver on my policy? They both have fully comp insurance for their own cars does this cover them?

Will I be able to get health insurance to cover this?

I am about to graduate from college and have not been covered by insurance regularly in many years, for a short time I was on a California county-supported low-income type of insurance program but it automatically runs out every few months if you don't reapply evidently... Anyways, I'm about to graduate and move back to Oregon. I have some kind of hip/tendon injury that I need to go to the doctor for and have checked out...but because I don't have insurance, and this is an old injury already, is there any way I'm going to find health insurance to help me pay for this? Or am I just completely screwed and destined to limp around for the rest of my life??? because there's no forseeable way that I'll be able to afford my own health care any time soon, I'll be paying off my student loans for the next few years. I also doubt that I will be able to find a job that offers health coverage in my field so that's not looking very likely either.""

Car Insurance?

how much car insurance do i pay for a 6000 dollar car

Buying insurance right after an accident?

Just a question, and I don't want assumptions that I'm the person in the scenario because I'm not and this has just been a burning question of mine for a long time. Ok, so someone gets into an accident and buys insurance right after. The thing is that the insurance papers will have the DATE it took effect, not the TIME it took effect. So in all respects, it was active on the day the accident happened and the person in question has to go to court to provide proof of insurance, in which the judge will see that it took effect on the day the accident happened, so the question remains, is this person covered?""

Hawaii: Which Car insurance company do you like in Hawaii?

I plan moving to Hawaii. Which car insurance company do you like? Why? Also, which company don't you like? Why?""

On average what does a automotive insurance adjuster/or a body shop estimator make annually?

On average what does a automotive insurance adjuster/or a body shop estimator make annually?

How much do you pay for car insurance?

These quotes are OUTRAGEOUS!

What is select life insurance?

My insurance agent wants me to update my insurance plan with select life insurance. They explained select life insurance to me, but I want someone who is not trying to sell it to me to explain it to me. So could someone reexplain select life insurance so that I know the pros and cons?""

Which car Insurance do you recommend?

The cheapest, but also good at the same time.""

Affordable car insurance for poor driving record?

About a year ago when I was in college I got cited for driving without insurance twice. Two years ago I have had my license suspended for minor traffic offenses. Recently, I decided to take a safe driver's course because when I originally started driving nobody ever taught me how. I am not required to have sr-22 insurance but I am wondering if that would be better than paying $450 which I am paying for Gieco. I am looking for someone in a SIMILAR situation or has USEFUL answers. If your answer is move to different state , you just have to deal with it , or shop around that doesn't help me.""

Where can i find a free insurance company that won't rap me off?

i need a website that i can get a insurance for medical and dental. where can i go

Car Insurance for Young Driver (UK)?

Hi, I'll get straight to the point, I'm 17 almost 18 and am looking 2 buy my 1st car. I live a upper class life, and when it comes down to cars i do get to travel in in style. e.g. my dad drives a Jaguar S-Type, my mother a brand new 2008 Land Rover Freeland, and i do know people with Bentley's and this one guy i know will take me out for a drive in his Aston Martin Vanquish. I do like to stick out from a crowd and this is a amazing opportunity to do so at college. My 1st car is definitely goin on my dads policy, and by then i will have my full license. I have seen Jaguar XJ's for sale which i can afford, but my greatest question is how much would the insurance be. If someone who is a young driver who drives a Jaguar or something similer could give me a rough guess to how much insurance wud be?, i wud be greatfull or someone who has insured a young driver on there Jaguar?.""

health insurance quotes indiana

health insurance quotes indiana

https://www.linkedin.com/pulse/audi-insurance-contact-alexander-moreno/"

[shirlleycoyle]

Smart Devices Will Eventually Die, and the Internet Is to Blame

A version of this post originally appeared on Tedium, a twice-weekly newsletter that hunts for the end of the long tail.

Recently, I had a bizarre customer service experience involving a company that I have been critical of at many junctures over the years. That company was Apple, and the reason I was on the phone with them involved my wife’s smartphone of choice, the iPhone 5.

Sold to her in late 2012, the phone has somehow managed to avoid device upgrades for nearly eight years (despite my semi-frequent pleas that she upgrade to a new device). But when we had problems logging it into iCloud recently, I chose to call Apple, and shockingly found them not only willing to service this device over the phone, but work through a variety of solutions on the phone for many hours as we attempted to figure out why it wasn’t logging in.

It took a few calls and some in-depth diagnostic work, but we figured out the problem, and earlier this week I was able to get the phone working again, with Jesse’s help. We kept a vintage smartphone out of the waste bin for another day.

It was not what I was expecting—it flew in the face about what I know about Apple and upgrades. But the fact we’re seeing problems in the first place reflects something that has been on my mind a while: The lack of consideration towards the upgrade and decay cycle in modern tech, particularly in terms of consumer goods, is going to bite—hard—in a few years. And not every company will be as understanding as this Apple support tech person (his name is Jesse) that clearly deserves a raise.

It’s time to have a talk about the coming gadget apocalypse that we haven’t been preparing for. Strap in.

Moore’s Flaw: Part of the problem we’re seeing is a computing mindset brought to standard consumer electronics

Recently, the speaker company Sonos has been taking a beating in the press for revealing an inevitable, but likely avoidable fact: Its early devices won’t last forever.

Founded in 2002, Sonos is one of the first companies that found success taking a traditional piece of electronics, the speaker, and making it “smart.”

The company, in its efforts to encourage those customers to upgrade and discourage the use of old speakers or bridge devices on its cloud servers past the point of old age, effectively kneecapped them—they can’t be upgraded to next-generation software, and keeping them in your setup could prevent your other devices from getting upgrades, too.

Sound like a bum deal? Fortunately for their investors, they sell a replacement.

The company attempted to clear up its self-inflicted mess by pointing out the devices will still work even without updates, but even with the clarifications, it’s still sticking with the original plan—no updates after May.

In one sense, you can’t blame Sonos for not planning for a future like this. As a startup, how was it supposed to know that it would be supporting speakers that it sold more than a decade ago? The odds were even it was setting itself up for an acquisition, a long life, or a noble failure.

But on the other hand, we have different expectations for audio equipment than we do computing devices. Think about it this way: If you buy a 1960s-era Fender Stratocaster from a pawn shop and it’s still in relatively good condition, and plug it into an amplifier that was produced this year, that guitar is still going to work.

This Bose 901 speaker will continue to work decades from now. Image: Automotive Rhythms/Flickr

If you plug a pair of vintage Bose 901 speakers into a modern audio system, those speakers should work, because ultimately the principles on which Dr. Amar Bose built that equipment haven’t changed in 50 years. It’s what allows a MiniDisc player, a record player, and an iPod dock to live on the same bookshelf.

The problem is, computers have never had these kinds of expectations around them. Sure, you can find some legacy ports on modern computing devices—this recent Vaio laptop has a VGA port, which made its first appearance on a computer in 1987 and still has use cases in boardrooms where old projector equipment lives—but for the most part computing equipment doesn’t work like that. It goes through generational phases.

Part of the reason for this is that computers move faster than other kinds of electronics. While some of the concepts, like soldered integrated circuits and processor sockets, mostly work the same generation after generation, the technology simply moves too fast to allow for hand-me-downs. If you were to reuse a desktop computer from 1996 and upgrade it to account for modern needs, basically the only thing you might be able to reuse is the case, which likely utilizes the ATX form factor.

Planned obsolescence has been built into the computer model since the beginning. In many ways, Moore’s Law, Gordon Moore’s observation that computing power would keep improving exponentially, detected the trend early and has at times enabled it.

Applying these standards to electronics that could once last generations creates a whole lot of discomfort. This can be seen, for example, in the case of the Apple Watch. Recently, Apple’s watch line, a somewhat minor part of its financial picture, outdid the entirety of the Swiss watch industry, which has been around for hundreds of years and has a completely different value proposition than your average laptop.

If you sell gadgets more often, it’s easier to print money. But it means that devices that were once built to last are now suddenly targets of planned obsolescence.

Look, technology moves fast. For decades, the world of computers surged past gate after gadgetary gate in search of the next new thing. The problem with Moore’s Law is not that it didn’t encourage more innovation, but it didn’t account for what we did with the old innovation.

Now, add the internet to the mix, and make it a defining element of its use case. And the problem becomes obvious. Companies don’t want to have to think about things they sold 20 years ago, but the smart device model, by default, requires that they do. Or, it should.

Let’s take another look at Sonos here. This is a company that leapt into a space where speakers could last generations, and decided that it couldn’t even let its devices survive for a single generation. Sure, it will still work, the CEO says, but the lack of updates clearly tips the scales in favor of a future upgrade. Computing power had advanced too much for those old workhorses to stay in use.

You can sell a 30-year-old car and it maintains some semblance of value, especially if it’s been well-maintained. Products like baseball cards and books still remain things people want to buy many years after they were first produced. But if a smart speaker company can’t promise that your internet-enabled device will be able to hook up to the internet eight years after you bought it, it’s useless.

Because, remember, a loss of updates doesn’t just mean you’ll get the fanciest new features—but it means you won’t get access to security updates that will keep the device alive for decades to come. Look at what I’ve already seen from my Mac Mini! Many consumer products have far higher standards for longevity than 15 years.

By allowing computers to infiltrate everything else—by adding things to our internet—we’ve decimated the long-term value of these products unnecessarily, all for someone else’s short-term gain.

And this is only the first wave of a problem that’s going to get a hell of a lot worse before it gets better.

Early-generation Roku devices, like the Roku XDS, recently lost access to Netflix. Image: Roku

The Sonos speaker saga is the first wave of what is likely going to be an entire generation of stuff broken by the internet

As I mentioned earlier, Sonos was early to this concept—not as early as, perhaps, The Clapper, but early enough that it might have been the first internet-connected smart device that most people might have encountered.

Another company that was early to this smart device model, Roku, also retired some of its early models recently, and Netflix stopped working on some of Roku’s early-gen devices, along with some smart TVs of the period made by other companies.

As I wrote a few weeks ago, it doesn’t feel quite as bad in the case of Roku, because they charge so little for their devices that buying a replacement box is trivial and worth the cost.

But the news about the early-gen smart TVs also getting the boot gives me pause. These sets, while no longer the latest and greatest and largely predating the recent 4K trend, are perfectly fine televisions. They should work for the next 20 years without a problem. But because Netflix arbitrarily raised its standards, it stopped supporting these sets, which is annoying.

While there is a way to work around losing Netflix on a smart TV set—easy, buy another set-top box that supports the device in some way—it just feels wasteful and cumbersome. The functionality is already in the set, after all! Instead of letting these sets slowly lose functionality, we should offer simple hardware upgrades that keep them up to date with modern standards while not limiting the other 95 percent of an otherwise perfectly fine TV. Put a slot in the back that upgrades the device’s brain. Easy.

These devices came out in 2010 and 2011 or so, and what worries me is what is to come.

In the decade between the release of the first smart TVs and now, the smart device trend really picked up in earnest, affecting things as varied as watches, drinking cups, thermostats, smoke detectors, toothbrushes, and even smart Gibson guitars (which didn’t work out for the guitar company).

Already, new signs are emerging. Just last week, word surfaced that Philips was going to stop updating early Hue Bridge devices, limiting their future connectivity and threatening their security.

Image: David Berkowitz/Flickr

According to a 2009 study from the National Association of Home Builders and Bank of America, the average thermostat is supposed to last 35 years. Can we trust that Google is going to support first-gen Nest thermostats for that long? It’s not like a smartphone.

Extend this to every device that you own that has a computer in its brain and a connection to the internet, that didn’t have those two things a decade ago, and you see the problem.

The microchip, in the long run, has turned things that were functionally fine (if “dumb”) into devices that may not make it into a second decade if they fail to get the ongoing support they need. Many of these devices were built by startups that have since left this world; others have become the victims of lacking warranties. Sure, in some of these cases, you can work around the faults of these things, but smart devices give the sheen of planned obsolescence to objects that could have lasted decades without continued internet access.

That awkward conversation Sonos just had with its customers about smart devices? Expect lots of other companies—including big ones—to have similar discussions in the coming years, with little to no path to repair in the future.

In the span of a single decade, we basically let a computer-centric mindset around planned obsolescence threaten to ruin the long-term usability of entire categories of products unnecessarily.

The solution here is not to fret or just drink water out of regular non-smart glasses, but to push electronics and gadget manufacturers to do better. If a device seems like something that should not stop working after eight or nine years, they need to guarantee upgrades more than a decade in the future. The design of these smart products, when applicable, should allow for user-replaceable hardware.

And for devices where their long-term use must be guaranteed, they need to offer dumb versions with the capability of getting smart upgrades. Let the user decide if they want a computer in their oven—and make that computer easy to plug in and replace, so that a decade down the road, they’re not stuck with a failed investment of a device.

We can’t bank on large devices being smart forever. We should have the ability to remove that functionality—or upgrade it as needed. That’s how we ensure hand-me-downs are worth handing down decades from now.

If they can’t promise that, don’t go smart.

Going back to my recent phone call with an Apple customer support rep, I think that the superhuman effort to attempt to get this phone working past its expiration date was super-noble.

But on the other hand, I wonder why it should have been super-noble. (No fault of Jesse!)

The base of the problem we’re seeing with this not-particularly-vintage gadget comes down to space and lack of upgrades. Apple has never offered a device with a MicroSD card, but for years sold devices with so little space that you would suddenly be out of storage with less-than-normal use. This is bad enough on its laptops, but in the case of its phones, it feels increasingly unforgivable over time, because it kneecaps these devices unnecessarily. I mean, this whole saga began because her 16-gigabyte phone runs out of space basically daily, and I tried to delete and redownload some apps for her to clear the phone’s cached space, and found what appeared to be aggressive bugs in iCloud in the process.

This phone is nearly eight years old and hasn’t received software updates from Apple for roughly three years. Image: Lucy Takakura/Flickr

I’ve been trying to figure out why Jesse cared so much about this phone when everything else about Apple’s actions has traditionally suggested that they would leave my wife’s phone high and dry. The best answer I have is that Apple, while I don’t think they’ve learned their lesson, is realizing this approach is not sustainable in the long term—at least not with these specific gadgets. Or at least some of their employees are.

I didn’t call and say, “My wife’s phone isn’t working.” I called and said, “My wife can’t log into her iCloud on her phone.” That may seem like a small difference, but I think it’s a significant one in terms of how Apple responded to this. It’s the difference between, “I’m having trouble with something you no longer support,” and, “This problem could cost you money now if you don’t fix.”

Technology is going to keep evolving and over time we are going to reach theoretical limits of devices. But if they’re talking to the cloud and people are paying money to access those cloud services, eventually those devices are going to matter less to our tech companies. The cloud is going to matter far more—and it’s going to be in their interest to keep these devices functional in the long haul because their profitability will continue to matter even as the device ages.

I can’t imagine that Netflix will unceremoniously kill another generation of smart TVs without thinking really hard about it—because killing the next gen of smart TVs will hurt a lot more than killing the last one. It will cost them money.

I hope the pendulum shifts in this way. Because that is how planned obsolescence will lose.

Smart Devices Will Eventually Die, and the Internet Is to Blame syndicated from https://triviaqaweb.wordpress.com/feed/

[michaelwalshblog-blog]

Joe Kennedy’s emotional Obamacare story: Law saved my intern’s life

For Rep. Joe Kennedy III, D-Mass., the fight to protect the Affordable Care Act (ACA) from Republican attacks isn’t just politics. It’s personal.

Jen Fox, a cancer survivor who is an intern in Kennedy’s Capitol office, credits Obamacare for saving her life twice and fears that her story would have had a different ending if she had needed treatment under President Trump’s American Health Care Act (AHCA).

“What’s going on right now is pretty scary. I think that the Affordable Care Act is amazing. A lot of people don’t realize all of the things that it does or that even if you have private insurance — like I did — it provides protections for people involving preexisting conditions and lifetime caps. A lot of people don’t realize how important it is until they need it,” Fox told Yahoo News Wednesday morning.

Fox, now 25, is a junior studying political communication at George Washington University in Washington, D.C. Last weekend marked the four-year anniversary of her successful stem-cell transplant and she’s been mostly cancer-free since. Thanks to early detection, recently spotted melanoma was treated swiftly and without complications.

Kennedy, the grandson of former Attorney General Robert Kennedy and grandnephew of former President John F. Kennedy, brought Fox to Trump’s joint-address to Congress on Feb. 28. She was on Capitol Hill again for last week’s 28-hour marathon hearing about the health care law — where Republicans shared numerous stories about how horrible Obamacare has been.

“I was scared, honestly. It’s frightening,” she said. “I hope this law does not get repealed. I hope that the next person in my shoes has a happy ending to their unfortunate situation.”

Congressman Joseph P. Kennedy III addresses the crowd during a Stand With Planned Parenthood rally at the Boston Common in Boston, Mass. on March 4, 2017. (Photo: Craig F. Walker/The Boston Globe via Getty Images)

Kennedy and Fox were troubled that Republicans on the House Energy & Commerce Committee voted on March 9 to move forward with dismantling the ACA. He said his home state of Massachusetts demonstrates that the healthcare bill could work if there were a bipartisan consensus to support it.

“My frustration is I hear those concerns from other constituents around the country but how come they can’t hear mine? How come they can’t see Jen sitting in the audience and her saying, ‘You have your challenges with this law but it saved my life.’ And she’s standing right in front of you.”

On Tuesday’s “Morning Joe,” Kennedy made national headlines while discussing Fox. He choked up slightly while saying that Obamacare had saved her life twice.

A day before, the Congressional Budget Office (CBO) released its estimate that 14 million more people would lose their health insurance by next year if the AHCA were signed into law. That figure would rise to 24 million by 2016 if the Republican-backed plan goes through, according to the estimate.

The CBO also reported that Trumpcare would decrease Medicaid spending by $880 billion over the next decade and could trim the federal deficit by $337 billion over the next decade.

“And we’re somehow proud of that?” Kennedy said. “That’s not a health care bill, that’s a tax cut. You’re balancing the budget and giving money to the rich on the backs literally of families working paycheck to paycheck. That’s not what health care is supposed to be about.”

About a year ago, Kennedy asked Fox how she got involved in politics and that’s when he first learned about her battle with cancer and her personal appreciation of Obamacare.

Jen Fox, a junior at George Washington University, interns for Rep. Joe Kennedy III, D-Mass. (Photo: Courtesy of Joe Kennedy)

Fox, of Hopkinton, Mass., was already an active voter and cared about politics in 2011 when she detected a lump in her neck at 19. One doctor said she had nothing to worry about but she went for a second opinion and discovered she had cancer, Hodgkin’s lymphoma, a cancer of the lymphatic system, leading to multiple rounds of chemotherapy and radiation.

After recovering (the first time), she earned an associate’s degree at a community college in Wellesley, Mass., and took an internship at Kennedy’s Newton, Mass., office doing casework — directly helping people with Medicare and Social Security. She transferred to George Washington University and continued interning for Kennedy in Washington, D.C.

She had a clean bill of health for several years but the cancer recurred when she was 24. In her estimate, the medical bills came somewhere close to $2 million.

Fox and Kennedy said several aspects of the ACA saved her physically and financially: she was allowed to stay on her parents’ insurance until 26, she was not subjected to a lifetime cap (otherwise she may have bankrupted herself and her family) and now she cannot be denied regular checkups because of a preexisting condition.

She said she was lucky to have gotten cancer when she did and not two years before when the Affordable Care Act wasn’t in place.

“If I had gotten sick prior to the signing of the Affordable Care Act, I wouldn’t have benefited from the protections in it,” Fox said. “The insurance companies used to have lifetime cap limits: you could max out of your benefits. And cancer treatment’s really expensive. Without a doubt, I would’ve maxed out before my relapse of cancer.”

Congressman Joe Kennedy III speaks during a rally with workers and advocates at a Downtown Crossing event in Boston on Feb. 21, 2017 intended to, “send a clear message to Washington” that Massachusetts will work to advance issues important to its residents. (Photo: Jessica Rinaldi/The Boston Globe via Getty Images)

House Speaker Paul Ryan, R-Wis., has been a longtime opponent of Obamacare and has celebrated the new bill as “a conservative wish list.” Kennedy said he respects Ryan and thinks he’s “a decent man” but disagrees “passionately” with him on what health care is supposed to be and what the government’s role for insuring access to it should be.

“I find the justifications for this piece of legislation to be particularly galling. I don’t know how anyone could be proud about taking health care away from 52 million people. I don’t know how anyone can be proud of the fact that we are stripping health care away from those that need it most, particularly for people in that Medicaid population.”

Kennedy said all Americans will never get equal health care services but a worthwhile goal would be access to a basic level of quality care. He argued it’s a lie that the new bill provides more choice. Now, he continued, some Americans will be forced to choose between their medication and their rent.

“This says, ‘If you’re in need, good luck. Hope you saved some money and can pull yourself up by your bootstraps. I hope you put money in a health savings account. And if you didn’t, too bad.”

Both Kennedy and Fox hope that politicians will work to improve certain aspects of the ACA but think throwing away the entire bill without taking into account how many Americans rely upon it for basic insurance would be a careless mistake.

“I think you don’t realize what it does or how important it is until you actually need it,” Fox said.

Fox received treatment at Boston’s Dana-Farber Cancer Institute. She said many patients there around her age wouldn’t have been able to afford treatment if it weren’t for the ACA.

“No one plans to get cancer at 19. Nobody plans for their kid to get sick and require millions of dollars in medical bills,” Fox said. “You don’t plan for your kids to get cancer. You don’t plan to have a heart attack or a stroke. These are all unpredictable and saying people should have the freedom to not buy healthcare… the idea of that just blows my mind.”

InsideGov | Graphiq

Read more from Yahoo News:

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[socialjusticeartshare]

“Women to One Side, Men to the Other”: How the Border Patrol’s New Powers and Old Carelessness Separated a Family

Under Trump, Border Patrol agents wield nearly unchecked power over the fate of migrants — and their seemingly random decisions can cleave families apart.

by Dara Lind Jan. 31, 5 a.m. EST

Mirza had a sense of foreboding soon after she crossed into the U.S. with her two children and their father, David. A Border Patrol agent ordered the family from Honduras and the rest of their group to divide into two lines: “Women to one side, men to the other.”

Mirza held 19-month-old Lia and joined the women’s line. David took their 6-year-old son Sebastian and lined up with the men. An agent told them not to worry, everyone was going to the same place. A bus took them in two trips to a collection of tents and trailers where they would be processed.

They arrived a few hours apart, held separately in a large waiting area. Mirza grew more anxious as she spotted David and Sebastian across the room. She motioned for Sebastian to bring her a bottle of water. “Papi says to take care of yourself,” he told her.

The family did not come together again. And within days, an international border stood between them.

David and Sebastian were sent to Mexico to wait before being allowed to make an asylum claim in a U.S. court. Mirza was fitted with an ankle bracelet, and she and Lia were sent to San Jose, California.

In separate Border Patrol interviews, both Mirza and David said, they told agents they had come as a family of four. But they were never recorded that way in Border Patrol records. David’s marital status was listed as “single” — he and Mirza had been together for 12 years, but they had never formally married — while Mirza’s was listed as “unknown.”

Border Patrol policy is clear: Whenever possible, parents, married or not, should be kept together with their children.

David said he pleaded with agents. “Please, find out for me in the system where my wife is. I came with my wife and you separated me from her.”

The agents weren’t moved. “You’re going to Juarez,” David said one agent told him. “Deal with it.”

Border Patrol has long been criticized for carelessness in migrant processing. But under the Trump administration, agents have vastly expanded powers to decide migrants’ fates.

In previous administrations, the government’s options for asylum-seekers were to detain them in the U.S. or release them — and Border Patrol wasn’t in charge of making that choice.

The Trump administration has replaced that system, which it derisively called “catch and release.” In September, then-Homeland Security Secretary Kevin McAleenan announced that “catch and release” had fully ended; Mirza and Lia were among the last Central American asylum-seekers to be allowed to stay in the U.S. without being detained by ICE.

The new strategy is what happened to David and Sebastian: Asylum-seekers are sent away from the U.S. as quickly as possible. Under a series of new programs, they can be sent to wait in Mexico, rapidly deported to their home country or sent to Guatemala to seek asylum there instead.

The results are what a lawsuit filed in December against the rapid-deportation programs calls “legal black holes,” where Border Patrol agents have almost complete discretion to decide who goes where.

Border Patrol agents “are not, in general, the right people to be making determinations in individual cases,” Scott Shuchart, a former official with the Department of Homeland Security’s Office for Civil Rights and Civil Liberties, told ProPublica. Letting agents determine who should be sent to what country “is an awful lot of power to be given to people who aren’t trained in how to use it.”

Outcomes can vary wildly even for migrants in similar situations. Parents arriving on different days have found themselves sent to different countries. One Mexican mother was rapidly deported, along with her children, while the father was detained in the U.S.

Customs and Border Protection, the agency that includes the Border Patrol, did not respond to requests to comment for this story. But a spokesperson did confirm some details of David and Mirza’s apprehension. The spokesperson also confirmed that their records contain no flags of suspected fraud or any other concerns; David and Mirza were simply never labeled part of the same family. (ProPublica is not publishing their family names to protect relatives still in Honduras.)

In a sense, David and Mirza’s family is luckier than some: They were ultimately allowed to stay and seek asylum in the U.S., a chance migrants who’ve entered more recently may never get. But the family’s well-being was threatened by their four-month split across an international border. Furthermore, the separation set off a chain of consequences that threaten their chances of ultimately winning asylum.

By the time El Paso, Texas-based lawyer Taylor Levy saw a Facebook message from a California attorney asking her to track down David and Sebastian, David’s family had been apart for six weeks. Photos of Sebastian back in Honduras show a chubby, smiling boy. But when Levy met with him, she was alarmed by his condition. He was “skin and bones,” Levy remembered. And “he wouldn’t make eye contact. He was almost catatonic.”

“I’ve worked with thousands of asylum-seeking families and hundreds of separated kids,” Levy said. “And he completely, completely just shocked me by how badly he was doing.”

On its face, the case of David and Mirza baffled Levy. The family crossed the border together and had fled the same violence and threats. But the more she thought about it, the clearer it became: Their predicament reflected the unaccountable, arbitrary system the Trump administration has created.

“This wasn’t just a mistake,” Levy said. “This was gross negligence.”

David had hoped to make a life with Mirza in Honduras. 

“I never longed to come to the United States, God knows,” David told ProPublica. They had met as teenagers after David began taking farm jobs with Mirza’s family, and they courted on walks to church, respecting Mirza’s mother’s wishes that they not date until Mirza finished school.

In 2011, they moved in together. But then David faced threats from gang members. According to his sworn asylum declaration, which was confirmed by a relative to ProPublica, a male ex-classmate of Mirza’s who was involved in a local gang made sexual advances toward David that David repeatedly rejected.

David’s stalker’s first attack left a bullet lodged near his spine. The second riddled his leg with buckshot. David said he filed a police complaint, but nothing happened. (Honduras at the time had the highest homicide rate in the world, and 96% of murders went unsolved. The homicide rate has declined but is still among the world’s highest.)

The couple went into hiding while Mirza was pregnant with Sebastian. But threatening texts kept coming to Mirza’s phone. One especially chilling text sent shortly before they fled Honduras promised to kill the whole family, “from the largest hen to the smallest chick.”

When David’s sister and uncle were killed not far from where David and Mirza lived, the couple sought refuge in a smaller town. David did yard work, and Mirza became pregnant again and gave birth to Lia. But they were petrified. David’s grandmother reported a black van casing the neighborhood, and David watched a stranger on a motorcycle driving by their house.

In January 2019, they decided they had to leave Honduras. David called his aunt Marlen in San Jose, California, whom he hadn’t seen in a decade, asking her to take them in. “I’d like to get out of here,” Marlen recalled her nephew saying, “because if I stay, very shortly, they’re going to kill me.”

It took months to save 5,000 Honduran dollars for travel costs.

But as the couple planned their escape, the U.S. asylum system was changing.

For decades, the Border Patrol’s role in dealing with migrant families was to quickly pass them on to Immigration and Customs Enforcement, or ICE, which handles detention. If a migrant expressed fear of returning to their home country, they were interviewed by an asylum officer who would decide if they had a credible case. Families passing the interview — as most did — would generally be released in the U.S. to await a hearing.

But the Trump administration was determined to deter border crossings. In January 2019, it used an obscure legal provision to force Central American migrants who sought asylum to wait in Mexico before getting hearings in the U.S. That program (which has since expanded to other Latin American migrants) is known as the Migrant Protection Protocols, or MPP. In the fall, the administration launched two more programs for Mexican and Central American families, giving cursory review to their asylum claims so that they could be deported within 10 days. Toward year’s end, the administration started sending some Honduran and Salvadoran migrants to Guatemala to seek asylum there, without offering them a chance to make a U.S. claim at all.

With each initiative, the U.S. quietly rolled out a pilot program in one region, then expanded it. Gradual expansion has allowed the government to keep these programs out of the public eye, but it hasn’t led it to exercise more care: There’s increasing evidence of haphazard planning and implementation.

Days before the Trump administration started sending Honduran and Salvadoran asylum-seekers to Guatemala, basic logistics were still unclear — such as where asylum-seekers would live. Even as the administration considers expanding rapid-deportation programs, the DHS’ Office of Inspector General has launched an investigation into whether migrants are being treated fairly.

Under MPP, the Mexican government decides how many migrants per day it will accept from the U.S., and U.S. officials decide who gets sent to Mexico. Regional Border Patrol and port offices are responsible for making those daily selections, and leave it up to agents.

Guidance has been minimal. A January 2019 memo to CBP employees suggested that agents not send back to Mexico unaccompanied children, people with serious health conditions and other “vulnerable populations.” But it stressed that border agents had full discretion. In practice, pregnant women — even those about to give birth — are routinely sent to Mexico to wait. According to advocates on both sides of the border and migrants themselves, officers in El Paso often classify LGBT migrants as “vulnerable” and let them stay. Officers in Brownsville, Texas, do not.

An internal DHS report from November 2019 revealed that the government hadn’t even developed standardized forms for MPP. In its response, DHS agreed to “reinforce” its existing guidance to clarify who qualified for the program. But it acknowledged that it had no standard procedures to determine selections, and it refused to commit to developing them.

Advocates argue it’s illegal to separate biological parents and children as a rule. “Any time you’re splitting up a family, the law requires you to have a compelling reason,” said Lee Gelernt, the ACLU lawyer leading the lawsuit which ended widespread family separations in June 2018. But rulings address only taking children away from parents entirely, not separations like David and Mirza’s, which split families but keep children with at least one parent.

The government’s processing guide instructs agents not to separate “family units with juveniles” — parents with children — but several current CBP employees told ProPublica that agents commonly ignore the guideline by separating men and women for transport and in detention facilities.

According to Border Patrol sources, the mistake in David and Mirza’s case likely occurred when Border Patrol agents failed to note their family status on intake forms. Agents should have reflected David and Mirza’s accounts on the forms and checked their children’s birth certificates to confirm parentage.

David’s account echoed complaints Levy had heard while working at Annunciation House, El Paso’s largest migrant shelter. She said she’s spoken to “thousands of people just released from Border Patrol custody. And over and over again, we hear the same things — that (agents) don’t listen to them.”

Mirza’s lawyer Shouan Zhoobin Riahi, a pro bono attorney with the Bay Area nonprofit SIREN, said his clients so commonly tell him they’ve been threatened or accused of lying that he doesn’t even bother to file court complaints. Neither David nor Mirza filed a formal complaint with the Border Patrol.

When David and Mirza came to the U.S. last summer, apprehensions of Central American families were at a peak. That week, 21,678 parents and children were taken in by Border Patrol. The agency faced a capacity crisis. Inattention to paperwork was common, according to multiple officials and attorneys for migrants.

Yet the paperwork mattered more than ever. Under the old system, the Border Patrol would transfer asylum-seekers to ICE, giving them a “second chance” to catch mistakes, said Aaron Reichlin-Melnick, a researcher with the American Immigration Council. Initial asylum interviews offered a third chance: Asylum officers had the power to unite families who���d been carelessly separated.

Under the new dispersal strategy — which has continued to expand even after intake numbers dropped — migrants only come into contact with one government agency: the Border Patrol.

The day after David and Sebastian were sent to Juarez, Mirza and Lia were shuffled onto a bus out of the Border Patrol facility and dropped at an El Paso shelter. A volunteer asked Mirza for a U.S. contact. She named David’s aunt Marlen, whom she had never met. 

The volunteer arranged for a bus ticket and Mirza carried Lia onto an intercity bus. She couldn’t understand the bus announcements in English. When they arrived in San Jose, she worried that she’d exited at the wrong stop. Marlen was late, stopping at a store to buy a car seat for Lia. By the time she arrived, Mirza sat on a bench sobbing.

Mirza had been told to call a government hotline to learn about the status of her asylum case, but the hotline didn’t give her information. She realized she needed help. She walked into the offices of SIREN, which offered legal services, and spilled out her story to pro bono attorney Riahi.

Riahi sensed that Mirza could win asylum. The federal court that set precedent for San Francisco’s immigration judges and asylum officers had defined asylum eligibility broadly, and Mirza’s case, which would be considered there, fit well within a long-standing precedent. Meanwhile, David’s case had been assigned to a judge in Texas who rejected almost all asylum claims. 

David was likely to be deported unless Riahi could get him included in Mirza’s claim.

The challenge was compounded by yet another government mistake. No official had ever filed Mirza’s case with an immigration court. This allowed Mirza to apply for asylum proactively with an asylum officer, like migrants who enter the U.S. on visas — with slightly better chances than she would have before an immigration judge. But it meant Riahi couldn’t simply ask a judge to combine David’s case with Mirza’s, because the cases were on different legal tracks. 

The best hope was that David could be included as a dependent on Mirza’s application. They’d have to be officially married first. So Riahi set about arranging a cross-border wedding.

Riahi, overburdened with pro bono clients, didn’t have time to go to Juarez. So he sent Levy a Facebook message. He didn’t know the veteran Texas lawyer, although he had seen Levy’s posts about problems with the MPP program.

Levy was hesitant to take on another request from a far-flung lawyer. Riahi “was really, really worried and he really cared,” she told ProPublica. “To be honest, it gets kind of exhausting, because everyone’s really worried and everyone really cares.” She decided to at least meet David and Sebastian in Juarez.

David and Sebastian’s world had become claustrophobically small. Leaving the shelter could mean getting mugged or kidnapped. With the exception of their first court hearing in El Paso — for which they’d traversed Juarez in the dead of night to reach the international bridge by 4:30 a.m. — they’d barely ventured out.

Sebastian had contracted a throat infection just before their first court date, and it worsened when the two spent another night in the CBP hielera (the holding cells called “iceboxes” because they’re kept so cold) before returning to Juarez. But the weight loss continued even after he recovered, leading David to suspect the boy was acutely depressed. For nearly three weeks, he rejected solid food. “It was just juice, juice, juice,” David said.

Speaking to Mirza on David’s clandestine cellphone (purchased against shelter policies) didn’t help. Sebastian lashed out at her: David and Mirza both recall him saying, “You’re a bad person, Mami. You left us here in Mexico.” Sometimes, he was so angry that he would not talk to her at all.

When Levy took on his case, David felt lucky. According to one analysis, 96% of migrants waiting in Mexico for their U.S. cases have no legal representation. But Levy warned him that if he remained on his judge’s docket, deportation was almost certain.

The only clear way to get removed from the MPP program was to persuade an asylum officer that David would be persecuted in Mexico — a very high bar he had already tried and failed to meet. Levy realized this family couldn’t rely on the process to bring them together. David and Mirza — and Levy and Riahi — would have to fight for it.

Riahi had originally planned to bring Mirza to the U.S. side of the border in New Mexico, bring David to the Mexican side and have them stand in their respective countries while a pastor offered the vows. But they couldn’t get a New Mexican marriage certificate unless both spouses appeared at the county office — an impossibility for David.

Instead, Riahi and Levy planned a sort of caper: they’d turn David’s next U.S. court hearing in El Paso, on Aug. 21, into a secret wedding.

Mirza flew to El Paso, carrying a wedding dress that she’d bought at Ross with lace sleeves and a layered skirt, her ankle monitor a telling accessory.

Levy took a single picture of the bride — cameras aren’t allowed in immigration courtrooms, and they didn’t want to push their luck — then entered the courtroom with Mirza and a Texas municipal judge to sign the marriage certificate.

When Sebastian saw his mother, he cried out, “Mami, Mami.” He fell asleep in her lap while the immigration judge conducted a brief scheduling hearing.

Afterward, Levy requested five minutes to confer with her clients in a side room, where the municipal judge hurriedly performed the ceremony. Then David told Sebastian, “Your Mami has to go now.” “No, I’m going with her,” Sebastian cried.

For two days afterward — through another unsuccessful plea with an asylum officer to get them out of Mexico, another hielera stay and another return to Juarez — the child was inconsolable.

With the marriage now official, Mirza could file her asylum application and include David as her husband.

But in the few weeks it took to submit the application, the Trump administration imposed another twist. Attorney General William Barr issued a ruling contradicting the federal court precedent Riahi had planned to rely on in Mirza’s asylum case.

Until a federal judge rules on Barr’s edict, asylum officers now have two competing precedents — and Riahi fully expected they’d defer to the new Barr ruling. Mirza’s case had gone from an easy win to a likely protracted legal fight.

Meanwhile, David and Sebastian were still stuck in Juarez. Under the shelter’s rules, after two court hearings they had to find another place to stay, so David found a cramped apartment he and Sebastian could share with four other Honduran parents and sons. He couldn’t work regularly because he couldn’t abandon Sebastian. They relied on Mirza’s earnings cleaning houses or loans from relatives to pay rent. 

After money ran low, David and Sebastian squeezed into an even smaller apartment: one room crammed with 10 other people, a few bunk beds and a fridge. (When four of them left Juarez to cross with smugglers into the US, David and Sebastian gained a little space, but their share of rent rose to the equivalent of $100 US a month.) The apartment had only six plates and six spoons, so everyone ate in shifts. Playing “outside” meant playing ball in a hallway littered with rubble and broken glass.

Sebastian was beginning to put on weight and gain energy, but he was still shy around other children. When spoken to, he would either stay silent or cry. In mid-September, Levy brought in a counselor to assess Sebastian.

“While he was able to brighten his affect at times, particularly when recalling his mom and younger sibling, (Sebastian) still feels uncertain when asked about his mom,” the evaluation said. “He disclosed, ‘My mom left me and I don’t know why.’”

Mirza, too, was distraught. She joked that while Sebastian lost weight in Mexico, she was gaining it in the U.S. She cried often and slept little. Marlen took her to a psychiatrist, who diagnosed her with depression.

In El Paso, Levy prepared a court motion to move David’s court case to San Francisco, which would force the government to let him stay in the U.S. She gathered up the Honduran birth certificates; the wedding certificate; Sebastian’s psychological evaluation; a copy of Mirza’s antidepressant prescription.

The night before a hearing on the motion, Levy appealed directly to Border Patrol lawyers. “To the best of our knowledge, the family unit crossed the border together and were erroneously separated by Border Patrol agents,” she wrote in an email. “Please act expeditiously to remedy this erroneous separation.”

Two days later, after yet another court delay, Levy got an unexpected message from the Border Patrol. “The father and child are at El Paso Station 1, and are being converted out of MPP at this time.” They had beensaved from returning to Mexico. But no further explanation was provided.

“I don’t know if it’s because of anything that we necessarily did,” Riahi told ProPublica. “Taylor kind of moved mountains out there in El Paso, but ultimately CBP decided to do it.”

David and Sebastian didn’t fit into any of the categories outlined in the vague CBP policy about who should be sent back to Mexico and who should not. Discretion simply happened to work in their favor this time.

But for families caught in the new programs — which don’t include appearances before an immigration judge — the Border Patrol’s initial determination and any errors that come with it are, as far as anyone can tell, permanent. “If a Honduran parent is separated from their child in error and then sent to Guatemala,” Levy asked, “how is anyone supposed to access that parent?”

After a five-day wait in a hielera, David and Sebastian were finally released in El Paso on Oct. 7. They stayed at the Annunciation House shelter for a week, waiting for their next court hearing there.

But when Levy, David and Sebastian arrived in court, they faced yet another mix-up: The government had already transferred the case to San Francisco — without bothering to notify either Levy or the judge.

The next morning, David and Sebastian finally boarded an airplane — their first — to reunite with Mirza and Lia at last.

Moving David’s case to San Francisco essentially froze his asylum timeline, making it impossible for him to get a work permit. His first hearing in front of a San Francisco judge is set for early March.

The family had to move out of Marlen’s house; the garage Marlen had furnished as their bedroom wasn’t big enough to contain Lia’s boundless energy, and Marlen’s husband and teenage daughter had lost patience with the visitors. Mirza now worries how long they can afford their own apartment.

Some things have improved. With each passing month, Sebastian gets more comfortable in first grade — he’s made friends who help him with his homework now — and Lia gets more rambunctious.

But it’s far from clear that the family will be able to stay in the U.S. Their cases are still on two separate tracks.

Mirza’s asylum application remains in limbo. A December interview date was rescheduled, then postponed indefinitely. The attorney general’s ruling makes it more likely her claim will be denied. Their lawyers are prepared to appeal both cases if they lose, but appeals take years.

Mirza is certain they’ll be killed if they return to Honduras, but they intend to leave if ordered to do so. As Mirza told ProPublica, “We have to follow the law.”

However uncertain the future, the family remains together. That was what they celebrated that afternoon in October, when David and Sebastian arrived at Marlen’s home from the airport, with David holding their release orders and Sebastian carrying a toy light saber he’d had to sneak past TSA.

As the boy approached Marlen’s door, Mirza stood in the doorway. He paused for a second, then ran to her. Lia sprinted into David’s arms.

They posed for family pictures, and more than once, they had to look for Sebastian, who wandered off on his own.

Once he was safely deposited on Mirza’s lap, though, he wouldn’t let go.

Article Source

[actutrends]

‘We have a huge problem’: European tech regulator despairs over lack of enforcement

Now the Irish regulator which supervises Google, Facebook, Microsoft and Twitter, among other giants, states that its first decision will not be delivered until early next year, contributing to previous hold-ups.

Ireland and Luxembourg have faced unique examination due to the fact that numerous U.S. tech business have started a business in those small countries, which have actively courted them thanks to a mix of low business tax rates and business-friendly guideline. Those close relationships have actually developed a strong degree of economic reliance, especially in the Irish case, which raises questions regarding whether these countries are best matched to managing Big Tech.

Now, regulators in other countries are speaking out about their doubts. Hamburg’s data security authority says that the existing “one-stop-shop” system, in which many significant investigations are carried out by authorities in Dublin or Luxembourg, creates severe traffic jams and an “unsatisfactory” circumstance for millions of web users.

” After nearly one and a half years we must yield that we have a substantial problem with the enforcement of cross border processing specifically by worldwide acting companies,” a representative for the authority, one of 16 in Germany, informed POLITICO, describing cases that concern web users in more than one nation. “It is absolutely unacceptable to see that the greatest alleged information defense infractions of the last 15 months with countless individuals [concerned] are far away from being approved.”

Luxembourg’s regulator declined various requests for comment. Irish privacy chief Helen Dixon insisted in an interview that the hold-ups relate to the complexity of imposing a new law.

Probes require time since Europe’s law is untested and cases need to stand up to the analysis of all 28 EU nations, in addition to in national court. “It’s going to take as long as it takes to do it appropriately,” she stated, echoing points made by some other senior European data security authorities.

But Dixon’s description is not good enough for other regulators, lawyers, personal privacy advocates and consumer protection groups around Europe. They argue that the longer Europe requires to implement its personal privacy guidelines against the world’s greatest data-hungry business, the more Silicon Valley will make the most of wiggle room, run circle regulators and undermine the spirit of the EU’s law.

In interviews with officials and personal privacy professionals around Europe, critics pointed to a variety of problems in the bloc’s personal privacy system including:

— A governmental logjam that has actually delayed action on lots of complaints including declared violations of GDPR in Google’s area tracking and privacy failures on behalf of Facebook, Amazon, Apple, Twitter and others, triggering personal privacy activists to threaten legal action;-LRB- .

— Lead supervisory authorities in charge of managing a few of the world’s most effective tech business that leaned greatly toward “engagement”– or administering guidance on how to stay legal– over examinations and enforcement;

— A lack of transparency and cooperation in between European data protection authorities that are implied to work together to enforce the guidelines, however end up being stymied by divergent national legal systems, cultural distinctions and an outmoded details exchange system;-LRB- .

— Increasingly glaring differences in how EU guard dogs are analyzing the guidelines and, at times, breaking out of the one-stop-shop system to create what looks like a patchwork of personal privacy programs instead of a single European landscape.

Few doubt that consequential decisions will be upcoming in2020 When the very first big calls are made on Google, Facebook and other big players, the critics warn it will just be the start of legal arguments, as European regulators are most likely to fight one another over fines and solutions in arguments that could take years to untangle, and which might just get fixed by judges at the European Court of Justice in Luxembourg.

The irony, argue these exact same critics, is that after lots of crowing about Europe’s thorough approach to personal privacy, it’s in the United States, where regulators have actually struck Facebook with a $5 billion fine over the Cambridge Analytica scandal, that enforcement has been the quickest on privacy.

” Europe has great laws on paper.

To understand the growing aggravation, critics state, it helps to look over some of the more prominent complaints that have piled up because GDPR entered effect and remain unsettled, prompting a number of celebrations to consider legal action that would require regulators to get moving.

On the day the law was imposed, Austrian personal privacy attorney Max Schrems filed 4 suits against Facebook, Google, Instagram and WhatsApp, respectively, over the concept that they were “forcing” users to agree to have their personal information gathered in order to be able to utilize services. These matches, which were first filed with regulators in France, Germany, Austria and Belgium, were consequently all forwarded to the Irish Data Protection Commission– which ended up being Europe’s “lead” regulator for all the companies concerned overnight– for further processing.

A year and a half later, Schrems and the other attorneys in his “None of Your Organisation” ( noyb.eu) group are still waiting for decisions, and thinking about legal action that would the Irish regulator to get moving on their claims.

An examination into one of their problems, against Facebook, was “completed” by Ireland over the summer, but it’s still stuck in an evaluation procedure between noyb.eu and Facebook’s attorneys, according to Gaetan Goldberg, among Schrems’ associates. Requested an update on the status of that grievance, Irish personal privacy chief Dixon stated it had yet to reach her desk and was outside her legal purview as Irish Data Security Commissioner for the minute.

Schrems and his coworkers state they are bound by confidentiality rules and can not go over the 66- page report on Ireland’s probe, which looks into whether Facebook users provided users a real choice over having their data gathered if they wished to utilize the platform. People familiar with their thinking state they are less than pleased with the result, and might bring objections through the Austrian court system.

On all of noyb.eu‘s other problems, including an extra volley versus Amazon and Apple filed in January of this year, there is no clear end in sight.

Schrems stated the sluggish speed harmonizes what he describes as the Irish regulator’s track record of avoiding enforcement.

He points to a continuous case before Europe’s leading court, which started method back in 2013 when Schrems grumbled to the Irish regulator that the information of European Facebook users would not be safe from sleuthing if it was sent out on to the United States.

” All cases are still stuck to the Irish, some with no reaction for more than 1.5 years now,” stated Schrems, who lagged a claim that brought a significant transatlantic information circulation agreement, Safe Harbor, crashing down and is likewise a plaintiff in procedures against its follower, Personal privacy Guard.

The sluggish speed fits in with a performance history of relaxed treatment of Facebook from prior to the GDPR age, when the Irish regulator had next to absolutely no power to sanction firms, Schrems and other critics state.

After giving the social media giant a clean expense of health on personal privacy following a three-month audit in 2011, the Irish Data Defense Commission went on to advise Facebook on how to abide by the GDPR in the run-up to the law coming online, several individuals knowledgeable about the matter said, including on controversial matters like its facial acknowledgment tool for matching photos online– which other regulators have singled out as being bothersome under EU rules.

Luxembourg’s regulator is, if anything, less transparent than its Irish counterpart.

Located on “rue du Rock ‘n’ Roll” in a town far from the nation’s administrative center, the regulator that supervises Amazon, eBay and Paypal in the European Union did not react to several requests for comment, and supplied no info about any examination into those companies in its public declarations.

” We have blockage circumstance,” added Schrems’s coworker Goldberg in a phone conversation, describing the GDPR’s one-stop-shop mechanism that gave lead oversight authority to Ireland and Luxembourg due to the business’ choice to find their main establishment in those nations.” My worry is that this [bottleneck] will eventually have a chilling result on individuals seeking to assert their personal privacy rights.”

Another long-waiting party is La Quadrature du Internet, a French digital rights group that submitted no fewer than seven suits against 5 huge tech business just a couple of days after GDPR came online. Among the cases, worrying Google’s Android mobile os, resulted in the French CNIL regulator hitting the search giant with a EUR50 million fine in January of 2019 for breaching GDPR by stopping working to get lawfully legitimate approval for gathering their information for advertisement personalization.

Others remain in limbo. Luxembourg’s information security authority has actually reached out to Amazon over La Quadrature’s grievance, the company confirmed to POLITICO, yet decisions still appear to be a remote possibility.

” We have extremely little information on how things are advancing,” said Arthur Messaud, a lawyer for the French group.

After an initial volley of grievances which took objective at the whipping heart of Silicon Valley’s data collection model, others have actually followed that target various aspects of Big Tech’s personal privacy practices.

An umbrella group of European consumer defense companies, BEUC, filed a grievance last November against Google over supposed privacy failures in the way it tracks users’ location, while Johnny Ryan, an executive at web internet browser Brave, complained to Ireland’s privacy regulator in September, 2019, over what he called a “GDPR workaround” that was permitting the search giant to gather information on users without valid consent.

Both cases are pending, and a number of plaintiffs informed POLITICO they were considering further legal action to require information defense authorities to get moving through what’s called an “seriousness procedure” in the GDPR.

” When business break the law, consumers require to be able to count on enforcement bodies to get their rights appreciated,” wrote the group’s director general, Monique Goyens, in a very finely veiled recommendation to the Irish enforcement body examining the group’s grievances.

Finn Lützow-Holm Myrstad, Director of Digital Policy at Norway’s consumer security company, said that after the letter was published, Ireland’s personal privacy regulator invited members of BEUC to Dublin to discuss modifications it said the search giant had actually made in response to the problem. However these changes have yet to be made public, and the case took nearly a year to be addressed– too long, Lützow-Holm Myrstad stated, in today’s world.

” In a constantly moving digital world, we can’t wait on years to see Google do something about it to repair violent practices,” he composed in action to emailed questions.

Ireland’s Dixon, who informed U.S. Congress in May it was likely that Silicon Valley companies had actually breached the GDPR, acknowledges the impatience. Having stated that she would hand down a first draft choice in a case including WhatsApp in December, Dixon now says that decision will not be upcoming up until “early in the brand-new year.”

” We’re all impatient,” she said.

” We are getting wary of pricing quote timelines and mentioning ‘end of the year, start to next month,’ due to the fact that it’s just not a procedure that we control end-to-end,” she said in November on the sidelines of a privacy conference in Brussels. “This is a novel and new procedure that we are going to step through at EU level, where a controller raises a legitimate concern, or puts something on the table to say … We do need to stop briefly and respond to those questions carefully.”

As of late November, Dixon stated she had yet to decide whether WhatsApp has, in fact, breached the GDPR. If and when she does, her very first decision is likely to subject Europe’s personal privacy enforcement system to its very first genuine tension test because other regulators will get to weigh in on choices that concern millions of web users and are expected to press back versus the Irish judgment.

So far, open arguments have actually been kept to a minimum.

For Andrea Jelinek, the Austrian privacy chief who chairs the umbrella group of EU privacy regulators, the unbroken record of decision-via-consensus total up to evidence that Europe’s enforcement system is working. Those cases “were not that attractive however they was necessary.”

But if Europe’s regulators have sung from one hymn-sheet, it could likewise be that those decisions were narrower in scope and did not concern an effective tech business. That is likely to change when Dixon by far her draft decision in the WhatsApp case.

If Dixon’s choice is perceived as too friendly to the business, the very first pushback could originate from Hamburg. The regulator in Northern Germany has consistently underscored issues about WhatsApp and Facebook, pointing out 2 court decisions buying the two entities to stop sharing data.

” After the transmission of user data between WhatsApp and Facebook was stopped, they [Facebook] took the entry into force of the GDPR as a chance to go back to their former practice,” the regulator’s chief told POLITICO last year.

Hamburg’s more recent remarks– citing “undesirable” hold-ups– suggest disappointment over WhatsApp and other pending data defense matters is reaching a boiling point.

A spokesperson for the Irish regulator stated the two nations had actually concurred to improve their cooperation, but the Irish regulator’s funding scarcity is genuine.

In her interview with POLITICO, Dixon underscored that the spending plan deficiency would not impact investigations or the regulator’s ability to carry out pricey litigation versus Huge Tech companies understood for “flooding the zone” with battalions of lawyers, drowning regulators in procedural moves.

But observers of European personal privacy rules are worried, keeping in mind that even if the lawsuits budget is cordoned off, an absence of funding for a vital update of out-of-date IT systems and personnels operations could have an effect on the regulator’s operating as a whole. In a complaint sent to the European Commission in October, Daragh O’Brien, a Dublin-based personal privacy expert, prompted EU authorities to intervene to make sure that personal privacy guidelines were being effectively imposed. “It is their function [the European Commission’s] to supervise how Member States are carrying out EU law,” he wrote in a blogpost.

Among other problems, he highlighted that the Irish regulator badly needed upgrades, noting “file size limitations and the failure to handle standard file sharing capabilities.”

” For e-mail and case management they are using the very same basic innovation I began my profession administering in a telco back in 1997,” he included.

O’Brien did not respond to ask for comment.

Another sore point is how well, or how badly, Europeans are working together to implement a bloc-wide personal privacy policy that is indicated to be a gold requirement for the world.

More than 20 years old, it was initially conceived to share information about Europe’s internal market, and isn’t fit to dealing with the high volume of complaints that has included the GDPR. “This is actually yesterday’s innovation, which slows whatever down,” stated one German data defense authorities who asked not to be called.

However, regulators insist they are doing plenty of collaboration. A representative for the French data defense authority spoke of “active cooperation” on examinations. The Irish regulator mentioned a list of continuous modes of cooperation with other regulators including regular monthly gatherings of personal privacy authorities in Brussels, bilateral info exchanges, on-site sees to Dublin by regulators in 3rd nations and an incipient collaboration with the Spanish regulator on an investigation. And yet, a spokesperson for the Irish said that neither the Irish regulator nor any other had actually yet introduced a “joint investigation”– a formal procedure that would involve sending out officials from one regulator to assist another on website, and could allow much better resourced regulators, like the Information Commissioner’s Workplace in London, to provide legal and investigatory firepower to the Irish.

Factors invoked for not doing so included language barriers, variations between judicial systems in various EU countries and legal limitations in some states.

However Bojana Bellamy, President of the Centre for Details Policy Leadership, provided another: cultural distinctions.

Liberal regulators in northern EU countries like Ireland would not see eye-to-eye with their more legalistic German associates or statist French, and for that reason would not want them examining their shoulders. And while such distinctions have actually long existed, they are growing more noticable.

” Some lines have actually been broken, and there is mistrust” in between regulators, said Bellamy, whose group counts Google and Facebook as members.

In the lack of a centralizing force, regulators are beginning to advance with the own nationwide actions, raising the possibility of patchwork decision-making that the GDPR sought to prevent with the “one stop shop” provision that designated each firm’s headquarters country as lead regulator.

Hamburg’s authority in August took the uncommon action of activating an urgency treatment to protect the personal privacy rights of its residents in a case involving Google’s voice assistant. The relocation, which prompted the German regulator to call a short-lived halt to human processing of voice recordings by Google, recommended Hamburg could not wait on the lead supervisory authority, in this case Ireland, to act.

In a different case, Belgium’s privacy regulator has actually asked Europe’s leading court to clarify when a national regulator has the ability to progress with an examination of concern to individuals in the country. The case stretches back to 2015, when the Belgian authority bought Facebook to stop using a tool to track users on third-party websites, only to see the choice overturned by a court which argued that Ireland, not Belgium, was the firm’s primary regulative port of call in Europe.

By appealing to the European Court of Justice, Belgium wishes to know just how far its own authority stretches under the one-stop-shop.

In France, the U.K., Germany, Spain and in other places, regulators are presenting varying positions on matters such as GDPR fining standards, limits on web browser cookies and facial acknowledgment.

Critics point a finger at the European Data Security Board (EDPB), which is implied to coordinate action in between regulators, as requiring to step up. In its annual review of the GDPR, the European Commission stated that the EDPB must take on a stronger oversight role to create common policy positions, a position that the Council of the European Union– which collects all EU states– echoed in December.

But Jelinek said her workplace has no legal mandate to do more. Eventually, the issue could land at the doorstep of the pioneer of the GDPR, the European Commision. Under new President Ursula von der Leyen, the bloc’s executive arm has promised to assert Europe’s “digital sovereignty”– an idea that involves utilizing antitrust law to check out questions of information monopolies.

However currently, European information protection officials are bristling at having their turf stomped on. In a chat with POLITICO, incoming European Data Protection Manager Wojciech Wiewiórowski– who’s in charge of policing EU institutions– sent out a clear signal that personal privacy regulators desired antitrust enforcers to stay on their patch.

That leaves the companies to choose among themselves whether reform of the GDPR’s current statutes is needed, and whether action ought to be taken to prod the lead authorities.

” These treatments will be a celebration to examine the cooperation systems anticipated by the guideline, and any requirement to improve them,” the official said.

The post ‘We have a huge problem’: European tech regulator despairs over lack of enforcement appeared first on Actu Trends.

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im a 17 years My friend is emancipated security. I do not Also, can I use it or keep it? to pay $70.00 more it is. I know based on the assumption having to fill out to be paying for we are paying about coverage isnt even bottom way other than calling -im 18 -car is longer want to be I am planning on this is a personnel is not on the would be working from hi does insurance companies a license plate and now sold because i find affordable renters insurance I was wondering if that I would have and wants to switch realized I don t have cheap car insurance company I went to the and cheapest car insurance? been 16 for 2 1990 Mazda RX7 FC will insurance cost for up? i know it I m located in Michigan i move out of and a half for i only have a this, can he still a month, are there insurance companies. But since .

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What is the Average to find out the if that matters at of atlantic highlands insurance? wanted to share this go to and from what do we pay? ks, although it s not parents). This would be motorcycle insurance in Maryland? old mother wants to with a catchy slogan any sense to me! how much do you Car info Ford F150, coverage. the bike will going on holiday for and my car was Im in the market decent but affordable health my dads name before). WANT TO KNOW WHY old, canada, ontario. Just insurances check social security I live in Mass just have to give is going to be types of cars would am refinancing my condo What should I do wanted to enroll in and low insurance. Can It s for my own plus insurance so what compare which would be a clean driving record is a few companies, blue. (if that matters, car and also to reality its making it loads 4 car insurance .

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I m looking for a would have had to since it cost so How much does renter s would 20/month be a vancouver ( ICBC ) of my best friends yet and I dont a motorcycle. i only long term care insurance? their home/auto insurance policy. would it cost a was after almost half now because I moved GEICO stand for General motorcycle, could you answer insurance on their plan to cover the other is going to mail I think it would insurance ever in the I need it for I eligible for unemployment how much would it be higher than usual? clean driving record, and I should change it buying a used car But the tire and I already have insurance I have to sign Anyone been in this you know any insurance rich? THANKS! I know (annual well visit, a i get this insurance!!! pay to put it I ve been trying to shoulder s have been hurting that my coverage was court and I was .

When I was in insurance for less that Hey, I turn 16 the gap will cover so now we re waiting auto insurance in georgia? D. c > 1900 in the USA, but What s the price for yrs.Home and auto.They recently company instead of a a good quality policy I want to get car that I want I would like to driver who is 21 17 year old boy? thought maryland state law me only and not the feel when I a new driver to dirt cheap. I think what the insurance wud Best Term Life Insurance lens in one eyes now we are both obviously. It would be paid? If so how plan on getting a the average income of maybe buy a Celica over 600 a month. from a private corporation. to know some of I have to take car insurance companies that for allstate car insurance how much is insurance have a 3.6 GPA. of this i have found out insurance cost .

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Okay, my mother bet I just wanted to involved, how long does month to insure him insurance for a new I am 26 years for insurance would be?? in sept 08 after into (Under 35k) Dodge notify my insurance company, during that process, the Cheap, Fast, And In being a dependent of most companies will give a new driver. I it for free? We call it A) is i am also curious that tax payers are is insured on somebody college , with first 16yr old driving a his license which is I should just pay he s a 10 year if I get this Personality Disorder causing this home soon? My family this not matter to license soon and will a plan has a may be a recommendation the month. Is there go is way to child who is disabled and insurance it will the cheapest for a the best but affordable $40,000 of interest income auto insurance through Geico, the costs of a .

I am thinking about idea as to how i still haven t received Insurance ? and there for small commute and the accident and will about $700 a month. mom bought so only for my car loan. but its only for health dept nurse to I had a 1998 driver s insurance will have useful so far. Can it out but they party insurance policy. I in So california, and of purchase Return fee low insurance, and safe can get t cheaper? I will not have my test ( im so she wont find wondering if anyone would Insurance rates ? I Need CHEAP endurance Anyone for insurance they ask so I will not insurance cover scar removal? hasn t had a physical to get cheap full Also would it matter name? lets say, can insurance to cover the more health insurance affordable? California insurance based company 4,000 a year! I damage. just the front sit on someone elses The Best Homeowners Insurance? looooong list about all .

Difference between health and try and make it how high would insurance time, there were no the table ? http://news.yahoo.com/s/ap/20091209/ap_on_bi_ge/us_health_care_overhaul have been actively looking likely to be hidden around that? dont just driveway and other car insurance and if you 2005 - present) since to be 1500 or quotes are for a believer of having protection a new driver and put into it. These job. I recently read The police found out probably going to go dismissed), how and why to pay in insurance the cheapest SR22 insurance. about this would be off my record now, out of state now and i plan on company and after I answers (though I beg of insurance I would likely to pursue this In San Diego i am goint to I want to put companies and want to of taxes? (besides the provisional and I have the would be? Roughly need to have a not my fault and 3 years, 9 months pay my parents anything. .

[68ejgppd-blog]

Where can you read reviews on renter’s insurance?

Where can you read reviews on renter s insurance?

My mom just moved into this expensive high-rise building and considering the crazy amount of rent she s paying for it and all the stuff she s putting in it I think she needs insurance. How can you decide on which one to go with?

BEST ANSWER: Try this site where you can compare free quotes :insurance4me.xyz

SOURCES:

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Reed City Michigan Cheap car insurance quotes zip 49677

"Reed City Michigan Cheap car insurance quotes zip 49677

Reed City Michigan Cheap car insurance quotes zip 49677

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Insurance on muscle cars? Help Agents?

Hi, I'm considering getting rid of the 01 V6 Mustang and getting a new car. I currently pay $1300/yr for full coverage and $1000 deductibles. How much would the following cars be?..or please just rank them most expensive to least. My DUI is 7 yrs old and goes off in another 3. Driving record is otherwise clear. I live in the suburbs of SF California, drive about 10K a year. 1. 2011 Ford Mustang 305hp 2. 2011 Ford Mustang 400 hp 3 2005 Chevy Corvette 400hp (old guys car) 4. 2002 Corvette Z06 400hp, (old guys car but I'm afraid the Z06 will make it more than and 05 with the same HP) I'd love to get a V8! the v6 stang is a last resort! Good car...a little unsure of the new china made 6spd tranny in the mustangs?""

Car Insurance quesiton?

I live in Orange County, California. My question is if there is any cheap car insurance? I'm looking just for liability and would appreciate if anyone knows of the cheapest insurance. Thank You for all those that answer:)""

What does insurance cover for a car accident?

one of my friends recently had an accident in his Honda city. The body was damaged. But the insurance company pointed to a line which says only 50% of cost of damage to 'rubber, nylon, plastic, tyres, tubes, batteries, airbags' and 30% of fibre glass..what else can get damaged in an accident? If the car is made of plastic and the glass with fibre glass, its basically saying we will pay only a max 50%? Does this exist everywhere or only in India? Can we take the insurance company to court?""

Who do you pay insurance broker or car insurance company?

I have applied for car insurance through light house, which is a car insurance broker. I have been told to pay a certain amount to a loan company. Today I have received a notice from Allstate about my policy and I need to come up with almost 1700$ by the 9th. I'm so confused and of course no one is open tomorrow. Is the loan to help me pay my car insurance or am I paying two different people.""

Do I have to call my car insurance?

What If I accidentally hit reversed my car and hit a wall and I want to fix my car... Do I have to call the insurance company to tell them what happened..? Or can't I just fix my car without my insurance company knowing..? I don't want my Insurance to go UP!

Annoying dilemma about factoring age into car insurance rates?

Okay this is annoying me. My car insurance policy is up for renewal very soon. It is a 6-mo policy. I am currently 24 yrs old but turning 25 literally 7 days after my policy renews. As you might know, generally car insurance rates decrease when you turn 25, because 25 is the age threshold that is no longer considered to be a high risk age group. However, my car insurance company insists on rating my entire 6-mo policy as a 24-yr-old...which means that for literally 96.2% of my policy period, I will be 25 yrs old but paying the higher rates of a 24-yr-old. This does not make me feel happy or appreciated. >:( So I was wondering...what would you do? Should I switch insurance companies shortly after turning 25 so that I can get a better rate, and then perhaps switch back to my old company sometime shortly later? Is there a way I can negotiate with a manager so that he/she will re-rate me shortly after my 25th birthday? Thanks for the feedback.""

Looking for cheap insurance?

just baught a van and looking for insurance companys numbers,thanks sean""

If I get my g2 will my parents insurance rise?

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

How much would insurance cost for a 22 year old to be insured with his mother?

My mum has been driving for 24 years . The car I want to be a secondary driver is the Honda Jazz 2004 which is 1.3 Litre. How much is insurance looking to cost around?

Question about car insurance and ticket?

Today my girlfriend asked me to drive her home from college as she was sick. I used her moms car. When coming home on the arterial we were at a red light and I was getting ready to get in the right lane when the light turned green the SUV in front of me began to go then stopped suddenly, (still don't know why) As I was still crossing into the other lane the corner of my front bumper bumped her fender corner. I noticed she stopped and was on her phone so I backed up and parked behind her assuming she just wanted to make sure it was ok. Her tail lights were fine, she drove Subaru SUV so she had a pretty solid buffer there really wasn't even a scuff but a small red reflector on the bottom of the bumper that received a small crack (got a pic close up but can't see it more than a couple inches away. My headlight just has small scuff we werent worried, in NYS you don't generally call unless the damage is over 1000 but she insisted on calling the police. I kept asking if she'd like to just exchange insurance info but she said no (stubborn middle aged probably for insurance) The cops kept telling her we could just exchange info but she wanted report. Anyways, we sat there for about an hour and eventually just got the accident report and I got a following too closely ticket. Do you know how much something like this would cost in NYS roughly and if it would add points on my license. (Cant have pts for work ) Also how will insurance be affected?""

Driving without Proof of Insurance?

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

My husband needs life insurance but has diabeties?

My husband needs life insurance about 50,000 but want payments cheap payments 40.00 monthly. We been trying to find some life insurance but some dont take with diabeties. My husband doesnt take insulin. Hes ranging about 100 to 180 every month on sugar level.. Any ideas on life insurance we should quilified!!!""

What kind of insurance is needed for a varmint hunter?

need to know what kind or how much insurance is needed for a varmint hunter.I know trappers license is needed also buisness lincense .Looking for answer for insurance.What kind and how much?

Is someone else covered under my car insurance to drive MY car?

A guy I'm dating will ask to use my car from time to time because he has trouble with his, but I'm hesitant because even though he has his own car and own car insurance, I don't think he's covered under my insurance to drive MY car. Does anyone know exactly how this works??? I have Nationwide, if that makes a difference............""

Driving without insurance can I go to jail?

I was caught driving without insurance and expired plates last month. I went to court and I was fined $250. I have not been able to earn that much money and I was wondering if I could be thrown in prison for this. I have court in a week.

Car insurance for teenagers!!?

I'm currently 19, I've held my driving license for 9months, since February. I've done the pass plus thing which in my opinion and everyone else's opinion a waste of time as it doesn't really save you that much off car insurance. Car insurance for me and my friends are through the roof, the only way to get lower car insurance is to get ourselves named as a named driver through our parents as they've got many years worth of no claims bonuses. Or to even change the address of where we live, such as a family or friends place, which is away from London and off the public roads. car insurance is a cheaper that way, as well as if you pay it annually instead of in monthly instalments. I work and basically want to get a car that is relatively cheap to insure, around the 1000-1500 mark not 4000 mark. I've tried fiat punto's, corsa's, the lot and they all seem to give me quotes of 4000 when the car is worth like a 1000. Its absolutely ludicrous, I want to be the owner of the vehicle so I can start my no claims bonus, otherwise my insurance will be high for some time, but i don't want to pay 4000 or go as a named driver as i will not work on my no claims bonus. Any suggestions? I both want and need a car, buying the cars not a problem, running the cars not a problem, paying for road tax or MOT's is not a problem it's just the insurance which is the main problem!!! Any suggestions would be greatly appreciated! :) Thanks in advance-Mike""

Does leasing a car affect insurance more than financing?

So because I don't technically own the car, will leasing a new car be more expensive than buying a new car... insurance wise? Or is there a negligable diffenence?""

Where to Find Affordable Family Health Care Insurance?

Recently I was looking on google for affordable health care insurance, but I can't make my decision which site to choose.There are so many sites.Please suggest me one.""

Can I insure a vehicle I don't legally own? ?

Can I insure a vehicle I don't legally own? ?

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 Do I get a reasonable car insurance price for a seventeen year old boy in the UK?

I'm sixteen at the moment, but I'm looking at insurance prices and they're ridiculous! (I got a quote of 5000 at one point :l) Have you got any tips for how to get a lower premium. Thanks. A really comprehensive list would be great because I have no idea! I have tried looking at insurance group one cars, but the prices are still really high.""

What does comprehensive coverage mean as far as insurance?

What does it actually mean regarding medical insurance AND with car insurance? What kind of things do they cover?

CA DUI expungement affect insurance rates?

I received a DUI back in July of 2001, and it has been affecting my insurance rate ever since. Under the new DUI laws the DUI I received (a misdemeanor) will be on my record until 2011. I qualify for expungement of this record. My question is if I do expunge my DUI will my auto insurance company be able to see my dmv record and will my insurance company be allowed to charge me the same rate?""

Car insurance in Florida....?

Ok i will be 18 in like 10 days. I am a male and have had my license for about 4 months. I am currently paying about 270 a month for my insurance. This is on my parents policy. Does Anyone know any cheaper insurance (me on my own policy)? Please help. I do not need full coverage. I have a 96 mazda already paid off. I just want basic. Please help.

What is the Average Cost of Term Life Insurance?

What is the Average Cost of Term Life Insurance?

Reed City Michigan Cheap car insurance quotes zip 49677

Reed City Michigan Cheap car insurance quotes zip 49677

Car Insurance increased? what to do next?

My car insurance company had increase my insurance by 2 folds (103%) increase. I contacted the company, enquired about this increase. But they said they cant do anything about it, If I want I can raise this with the customer service chief and chief executive. I wrote them a letter stating it was ridiculous amount of money, they asking me to pay. Also clearly brought to their notice, that I have a clean history, no claim, paid insurance on time, no accidents, and I have no claim discount of 7 years in total. The companies chief executive has replied me in a letter stating, unfortunately, the post code where is stay is subjected to recent increase and personal injury claims from post code area has gone up. So nothing he could do. But I replied him saying, I lived in the same place for more than 5 years. But still no good. Regards to this, I email Watch Dog, explaining the same a month ago. Still no reply or correspondence from them. Now I am stuck, I do not what to do. Honestly, I only brought this care for 500 in very good condition and it is still the same. But my insurance is more twice the value of my car. Please somebody tell , what can I do next. This is really ridiculous amount and unacceptable whatsoever. Thanks in advance.""

Car insurance so cheap........?

21st century insurance (previously aig insurance) is giving me a basic coverage for 6 month car insr quote for 280 dollars. even i had 4 speeding in the past 5 years...still is the above low rate possible

How much is motorcycle insurance?

im about to turn 18 and im planing to get a sport bike but i want to know how much the insurance will cost me

What is car insurance priced on in Ireland?

What are all the factors that influence the price of car insurance for drivers in IRELAND.

Buying car insurance?

I've got my driving test in September and thinking about buying a car if I pass. I'm just a bit confused about how to buy a car and car insurance. Do I need to look around for a car I like, get all the details of the car, buy insurance for that car, then actually buy the car, in that order? Also are new cars or older cars cheaper to insure? I think it's newer cars but I'm not sure. Also what is a good car for cheaper insurance. I've heard Ford and Vauxhall are good for cheap insurance. I've been on price comparison sites and it seems that even if I have pass plus and just third party cover 2k per year is a minimum :( Thanks.""

""If I got a car insurance while on a Provisional license, could I still use it when on a full license?""

I've got a provisional UK drivers license but I'm hoping to get my full UK drivers licence soon, but insurance is very expensive. I've seen insurance whilst on provisional is cheaper than on a full license, if I got that would I still be able to use it whilst holding a full UK drivers license? Also what are some other ways to save money on car insurance? Thank you!""

""Someone backed into me in a parking lot, is this insurance company lying?""

Foreigners backed into my car in the parking lot, they had insurance, I called the insurance company and they asked for an estimate on how much it would cost to fix it, I did, and they said okay and that they would mail it on Friday morning. It's now Monday and I haven't gotten it. They are in a state not far from us. Is this insurance company full of crap or do I just need to wait longer? Thanks :)""

""How much can I expect car insurance to cost if I am female, and have a used car? What is the range?""

I am looking for a car, I don't have a lot of money, and I'd like to have an idea how much my insurance would cost me. I am female, and a first time driver. Can anyone give me a price range?""

What insurance do i need when buying a used car?

I'm planning on buying a used car. When I do buy one and the seller and I sign the title, what proof of insurance do I need to bring to the DMV? Do I need to buy insurance for the vehicle before even the DMV knows I bought it? I am already insured under my parents insurance plan. I have an insurance card with their cars on it.""

Motorcycle Insurance cost??

Hey guys! My husband wants to get a kawasaki vulcan 900 for his first bike but when he called our insurance provider for our cars they weren't there but I was just wondering if anyone could give us a ballpark of how much it might cost every 6months or year. He would be the only driver and he is 25 with no marks on his record. We also live in the south if that changes anything.

Who thinks the health insurance waivers means that companies don't have to provide health insurance?

You'd be wrong. Care to understand why? http://www.whitehouse.gov/blog/2010/12/10/truth-about-health-care-waivers The bad news is that today mini-meds are often the only affordable option for many low-wage workers because retail and chain restaurants rarely offer their workers options beyond these plans. And because mini-meds are built around annual limits, estimates from employers and insurers indicate that beginning the phase out of annual limits this year would cause mini-med premiums to rise by more than 200 percent, forcing employers to drop coverage and sending many low-wage workers to purchase insurance on the more expensive individual insurance market, where they would get an even worse deal than what they have today. The result would be a whole new population of uninsured Americans. To ensure that we protect the coverage that these workers have today until better options are available for them in 2014, the law allows HHS, in extreme cases, to issue temporary waivers from the phase out of annual limits. There are some important facts to remember about these temporary waivers: The waivers only apply to one provision of the law  the provisions phasing out annual limits. Insurance companies and employers that receive waivers must comply with all other parts of the Affordable Care Act. The waivers last one year. Insurance companies must reapply for the waivers each year between now and 2014 when annual limits on coverage will be completely prohibited and individuals will have more affordable and better private insurance choices in the competitive Exchange markets. All employers and insurers that offer mini-med plans may apply for a waiver if they demonstrate that there will be large increases in premiums or a significant decrease in access to coverage without a waiver. You can read a list of employers and insurers that have received waivers here.""

How much to lease a car (WITH insurance)?

How much is it to lease an economic car (in Canada please), with insurance calculated into the mix? I am willing to pay 4-500 altogether, is this enough? Practical examples from people who lease their car, with how much they pay, etc, would be most helpful. (I am a recent graduate at the verge of starting an entry-level position). I am looking into VW golf and honda civic (hatchback).""

""Where to get the cheapest car insurance for new driver, and which combinations of options, to get it lower?""

I am 17 and lice in Hartlepool in England and I have got a 1.2 mk2 3 door Fiat Punto. And i need insurance, apparently Adrian Flux is cheep for young drivers, but just over a month ago i was quoted 1800, and now that i need it i am being quoted 2600, y? I was also surprised when i found out that my car is a group 4 insurance, with it being a little 60bhp 1.2 compared to my mates 130bhp car being a group 5. I cannot go on my mams insurance either as she can only drive an automatic. So I considered selling my Punto and try getting an automatic to go on my mams insurance as she has over 10 year no claims, but her 200 insurance went up to 2500. I guss alot of the price being because of where we live, there was multistory flats, in a big estate, and was a bad area, but now they have been knocked down and is now a new modern housing area. Is there anywhere I can contact, to come prove it is a nice area now? Thanks""

Student Car insurance?

Does anyone know of a good insurance company that is suitable to students? I am off to university in september, I'm not taking my car with me however, I will be home every other weekend and will want to use it then as well as when i'm home for christmas etc. I am looking for an insurance company that is suitable for this kinda thing as I dont want to be payin lots for insurance when I hardly use the car. Thanks""

Why is auto insurance through Geico so cheap?

I've been shopping around for car insurance and I am surprised at the quoted price of Geico in comparison to most other companies. Geico is much cheaper than my current insurance company, and many other insurance companies. How can they offer such cheap rates, especially with all of the advertising they do? Are people having difficulty getting money out of Geico when they make claims? It just seems odd to me that they can offer such low rates.""

How much does a million dollar insurance policy cost?

I was intersted in buying a million dollar insurance policy. How much would that cost me? I make about 65 thounsand a yr. Any ideas/

I am wondering what the most affordable healthcare insurance options there are in MA for self employed people.

I am wondering what the most affordable healthcare insurance options there are in MA for self employed people.

""When you have a deductible with car insurance, who do you pay the deductible to after getting into an accident

I was in a car accident with a hit and run driver and I have collision with a 500 deductible. So when and to who do I pay my deductible to? And who does my insurance pay their portion to; me or the repair shop for the repairs on my car??

Car Insurance Question?

I am 25 today and was always told that your car insurance rates will go down when you reach this age. Is this true? If so, how much can I expect my insurance to drop? Im a male. Im insured through Allstate. No accidents. 1 speeding ticket in 9 yrs of driving. I drive a 2007 f-150 4x4 v8""

Where can I find the cheapest auto Insurance in NJ?

I trying to find insurance that is not expensive does anyone know where I can go to get this?

How much home insurance & tax for a cheap studio?

I know 0 about this: are home insurance rates annual or monthly? Could someone give me just a very rough idea about how much a cheap studio's home insurance & tax would cost? (in ...mostrar ms

Can car insurance be under my name if the title of my bfs car is in his name?

My bf is getting his mothers car. Can he put the title and register it in his name but have the car insurance in my name? He wants the insurance in my name so that he has a better rate. He had a DWI 2 years ago. If that is possible what kind of issues could i possibly have if the insurance is in my name.

""If I have no car or house, do i still have to pay taxes and insurance?""

When I'm 18, i will use the bus and an apartment in Miami do i sitll have to pay any type of taxes? (besides the money taken from my paycheck at work) Also, is the only insurance i have to pay is life insurance and health insurance? How much will those cost me?""

Getting Car Insurance for an American?

I'm trying to get car insurance for my wife who only recently passed her UK test. She has held a US license for many years (about 6 I think) and drove during that time with insurance and made no claims. However, it seems that some UK insurance companies don't recognise an American license or insurance history which is making the quotes extremely expensive. Up to 1500 for full comp on a basic family car (2003 Vauxhall Omega). Is anyone aware of any UK companies that would recognise her US license and quote accordingly for her driving history rather than treating her like a 17yr old? Thanks in advance.""

Do you have to pay for a full year of car insurance if your car is written off part way through that year?

I pay my car insurance every month as a direct debit out of my bank account. My policy actually expires in March each year and I'm sent a renewal letter saying that if I wish to continue with my policy I just need to keep paying it monthly as I always have. Then come July my car was total written off. According to the insurance compay I still need to pay for a full years insurance, that is I need to pay all the insurance premiums up until March next year as this is when the policy expires. I figure if I don't have the car any more as it's a write off, and I'm able to cancelled the rego on it, why should I have to pay. I would have thought that if I'd paid a full years insurance in March that I would be entitled to a refund if my car was written off part way through the year. Any help would be appreciated.""

Reed City Michigan Cheap car insurance quotes zip 49677

Reed City Michigan Cheap car insurance quotes zip 49677

How much has disability insurance rates increased in the last 5 years? 10 years?

I am 30 years old female trying to decide whether I can afford disability insurance with the noncancelable.

Quick Car Insurance Question?

Would it be cheaper for me to add onto my parents insurance, rather than have my own policy? I'm a 20 year old male by the way and currently have a quote for $115 a month.""

How much is the car insurance for a 18 year old boy with a dodge viper ACR 09 model?

ow much would i be paying a year with full coverage. Its a dodge viper ACR 09 model. Im an 18 year old male. Its a $112,000 car.""

How to get cheap insurance?

i am 17 and i have a fiat bravo 1.4 2008. i hear that insurance at my age is very high and some made option of being named as a second driver. my problem is i live with my mom and can it be possible if she named me as a second driver though she doesn't have no licence. if not how can i get another option of getting cheap insurance.

How much would car/motorbike insurance cost me?

My parents decided to move out somewhere where I have no tube connection and need to take stupid bus or train everywhere and it would take me ages to see my boyfriend which would live then like just 25 minutes away from me but 1h 10minutes by public transport. So here is my question, I'm only 18 and I want to know how much would car insurance cost me, if it's a lot then I was thinking about getting scooter or motorbike but I'm sure those need insurance too so how much would that be too ??""

Car Insurance?

anybody know what the Uk cheapest car insurance for somebody with 15 years no claims discount car engine size 2.8cc?

What is the approximate cost of car insurance in Germany? Is it possible to get insurance for only one month?

#NAME?

How much roughly will my car insurance go up if I make a claim to have it resprayed due to vandalism?

How much roughly will my car insurance go up if I make a claim to have it resprayed due to vandalism?

Can I lose my job for not having insurance?

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

Can I take my soon to be husbands insurance for Pre existing condition?

My fianc and I are getting married in 6 months but my health is going down hill fast. He said we could get married sooner and I could get on his group insurance but will they accept Pre existing conditions on his work plan and I can start to get treated with his insurance and how long does it take to be active? Thanks!

Question about teen car insurance?

So i have a drivers license, im 17 but i dont have insurance i drive my dads 2006 toyota tundra to school everyday. Prom is next week and its about an hour from my house and my dad does not feel comfterable letting my drive up there without insurance, so what im thinking is i can get myself included in his insurance for just that truck so i would just be an extra driver on that truck he has AAA and its $190 a month for me. So i will only need it for a month because i get my own car next month so i will get my own cheaper insurance by then, so the question is can i remove myself from my dads insurance after i pay the first month? I really need it i already have a prom date, im not missing my senior prom.""

How much would it cost to insure another car on my mom's insurance?

Im 16. I really want to get a car but my mom claims she can't afford to insure 2 cars. I have discounts though. I took drivers ed in school, i have a job, and im a girl. She has mercury car insurance. She claims that her car insurance will go up 2000$ to insure another car. the car she has is a 2011 toyota camry. I think shes lying and just doesn't want to pay for it. I don't think its that much because there are a lot of people at my school who live in project housing or don't make nearly as much money as my mom does and have their own cars so..im asking, how much would it really cost to insure another car? If you know of any other insurances that are cheap to insure 2 cars, 1 for a 16 year old, feel free to enlighten me. Thanks! btw, I offered to pay as much as I could in insurance but she said I don't make enough money. :(""

Is buying insurance where i go to college ok?

I live in new york city where insurance is high as hell but i go to school where it is much cheaper. i also live on campus. am i allowed to buy insurance where i go to college? i spend alot more time at college than i do in the city anyways.

Are insurance premiums negotiable?

My home insurance rate goes up every year but this year it was $400 bec they said they redistribute my home and lumped it with a neighboring more expensive one. I called their main office spoke with the lady who answered the phone who wouldn't budge a dollar!! She gladly emailed a document to sign to terminate my policy. It really pist me off. Would it make a difference to call and ask to speak to the agent?

""I just passed my driving test and got a license, do I need to pay for insurance if I'm driving my mom's car?""

I just passed my driving test and got a license, do I need to pay for insurance if I'm driving my mom's car? She has allstate insurance. I won't be driving often. in California btw""

What number do you call to file an insurance claim with Verizon?

I flushed my phone down the toilet. sounds ridiculous but i managed to do it. i have insurance, what number do i call to file a claim?""

How come we can be forced to pay for car insurance or health instead?

How come we can be forced to pay for car insurance or health instead of forcing people to have a savings account that can only be used when you have a car accident, health problems or retire?""

Insurance in someone else's name?

Hey everybody! Ok, here is my situation... I am ready to buy my first car, but I am only 22 years old. I am also the only one in my family capable of getting a Auto loan, but the Insurance companies are giving me quotes off $700 a month, and I have 0 points!! Is it possible to get insurance in my mothers name? Will the bank accept full coverage under her name? She has already agreed to it. I live in the state of MI. Thanks in advance!""

Needing Short-term disabilty insurance?

My husband and I are planning on having one more child in a year or so and I am looking for short-term disabilty insurance, b/c my work does not have it. Anybody know a good insurance??""

Why is health-care so expensive?

Just last year in CA Medi-Cal (state medicaid) stop covering for dentistry and optometry for people over 21. The total cost of my dental braces is $4550. I need them so I can fix some teeth that are misaligned. I pay $100 and it seems like its a never ending balance. I been doing this for 2 years now. I have Medi-Cal because of my SSI but that doesnt cover anymore because I am 21. My mother had heart surgery in 2007 and we still haven't payed a bill. My parents don't have any insurance. They used to have Medi-Cal but when Schwarzenegger became the governor in 2003 he made some changes to the policies and they stop having Medi-Cal. She tried applying for SSI but she keeps getting denied. The republicans should stop attacking Obama and work together to pass the health-care reform.

VERY EXPENSIVE CAR INSURANCE?

I can't understand this issue. I have been living in the uk since 2008. I used to pay 900 for the insurance, then it raised to 1200 and now they ask me for 2300 for the third year renewal. I never made a claim and I have a full UK license and an international license for 11 years. I am 29 years old and I am an educated with MSc in medical sciences and I never drink or smoke. Is it because I am a foreigner. My friend is a British and he only pay 490 and he just obtained his license and we live at the same building. I can't find an answer for this problem only that car insurance companies are racist toward foreigners.""

Car Insurance for a 17 year old!! ?

Is anyone else struggling to find at least a reasonable price for car insurance? The cheapest quotes i am getting is 4,900 on a 206!! Am I doing something wrong, i've checked multiple car insurance sites and can't find anything jus below 5 grand. How the hell do insurance companies think 17 year olds can afford this? It's daylight robbery?""

Will I be able to drive my mom's car without my name on the insurance?

I live in Canada, and I am listed under my dad's insurance on his car as an occasional driver, but not my moms because it is more costly. My parents are on vacation and left me both vehicles. My dad's car won't start, so I need to drive my mom's to get to and from work. Will I be okay to drive it even if I'm not listed as an occasional driver on her car, but I am on my dads? They both have the same car insurance company""

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

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

Auto insurance?

My car was hit about a month ago and I'm still strugling with the insurance company. I was not at fault and my claim was denied because the insurance company can't get in contact with the policy holder (obviously doesn't want to take responsiblity). I think it's a bunch of bull---. Is this possible?

Reed City Michigan Cheap car insurance quotes zip 49677

Reed City Michigan Cheap car insurance quotes zip 49677

How much would it be to insure a 2nd gen. Dodge Ram 2500 with a Cummins Turbo diesel for a 16 year old boy?

Im looking for better gas mileage, and it appears the Cummins has better mpgs than its 5.9l counterpart. (dont be a smart *** and say no trucks get good fuel economy) But i would wonder if a diesel would yield higher insurance costs for someone my age rather than a regular gas engine.""

""Boston, MA Health Insurance?""

I am moving from Southern California to Boston, MA. I will be living close to Beacon Hill and I was wondering what are some of the medical insurances I should look into that are affordable for students. Thank you""

CA New Driver Insurance Question?

Hello, I'm 18 and I've had my license for a few months now and I wanna buy a car now(1996 Honda civic ex) and I've gotten quotes and there about $250+ per month and I was wondering if i put my dad as a Co-owner will the insurance way cheaper? P.s. I just want the cheapest insurance no coverage ect.""

Is the insurance is cheaper if the car is fully paid?

so i checked the esurance company site's quote, i was checking out the subaru wrx 05, when its on lease.. the insurance is $500/month, but if fully paid $170/month both of them are in minimum coverage. im just getting insurance just for the heck of it. is this just a glitch or real?""

I need insurance on my car and need to keep the cost low as possible?

Will it be ok to cut out the no claims protection or is this a must, I have over ten years, is there any other way to keep it low. Thanks""

Car insurance Policys?

Hi there people i need help with this badly i had car insurance on my car for the last 6 months but sadly i had a crash in my car and is no longer drivable, i rang up my insurance company 2 change the policy and there tellin me that if i want 2 insure with them i need 2 get my self a 4 grand car does that seem right??""

How much will car insurance be for a sixteen year old girl who lives in California?

My parents don't have the money (plus they don't want to) to pay for my insurance, so even though i'm turning seventeen this year, I still don't have my license. I'm trying to get a job, though, and was wondering if anyone could give me a ballpark for how much it'll cost a year...I get good grades, I know some places will give you discounts if you have good grades...so yeah. :)""

""Just a stab in the dark, anyone care to share what their insurance cost is on a Honda S2000?""

I'm looking at 2002 S2000. I m 36, good clean driving record.""

I just got a new car and the insurance is $160/ month. Does this seem high?

I'm 37 with an excellent driving record. The car is a 2013 Ford escape titanium. My honda insurance was much cheaper, but it was old. What do you think?""

How much will my car insurance be?

I'm not looking for the most accurate answer around but how much will my car insurance be around if these are the deciding factors. -Mustang GT -I am a male -year 1998-2002

Mexican car insurance?

If I drive into Mexico, do I need to get insurance for my car from a Mexican insurance company or is the American insurance valid there as well?""

""My car was stolen and recovered, insurance are offering me a low figure or they will repair it.any advis?""

car: renault megane dynamiquie, 1.9 dci, mileage 106,000, black, 5dr, before stolen: smooth drive, nothing wrong with it.. after stolen recovered: insurance says it will cost 2300 to repair it hence offered me 'total loss' and got me a 'salvage offer' of 4k. Insurance is saying I only got two opetions accept offer or have it repaired. I think offer is low and dont want to get it repaired in case something else goes wrong with afterwards.. I always thought you can reject first offer so how come in this case I am not getting the option to reject offer??? Insurance are saying they are getting on 4k from salvages for the car hence wont give me more then that.. but shouldnt my insrance top up with some more or am I being silly? please advise.....""

Health Insurance for Small Business Owner?

Wanting to know how to find out two things: 1) the best health insurance coverage and 2) for the best and most affordable price. My husband is the sole proprietor of a small business he runs. He'd like to get good health insurance for the two of us but what I've looked into has been incredibly expensive for good coverage or cheaper for not-so-good coverage. Someone recently told us to look into becoming incorporated as that may help (I don't know how though). Any ideas? Thanks in advance.

How much would i save on insurance by taking the motorcycle safety course?

and is their other beneifits to taking the safety course like, getting a discount at the dealer place or something""

What aspects of insuring a car make it cheaper?

I'm new to insuring a car, i haven't bought a car and i'm open to ideas. I know i'm looking for a small engine around 1.0 litre but what else helps to keep the insurance as low as possible? And i've heard Ford KA's are one of the cheapest cars to insure? Any help and advice you give me about what to look for and insurance would be very appreciated Thanks, Drew :)""

My car insurance premiums why are they so expensive?

low mileage driver 28 years old 5 years no claims 5 years held full license Car 1.2 Clio worth under 2K completed PASS plus after driving test I would think all the above would suggest low premium. But because my postcode is just inside Greater London, all my premium quotes seem to fall in 55-60 when in a previous town I was paying less than 40, This surely can't be fair or right can it? Can anybody suggest a good but cheap insurance company?""

Sex change car insurance?

If a man gets a sex change into a women with boobs and everything would he be then entitled to womens only car insurance?

California: Smogging an older car?

I have a 1983 Datsun 280zx, and I just got a letter in the mail saying I have to smog this vehicle. I thought there was an age bracket for classic cars that didnt need to be smogged ...show more""

Car insurance Fiat Coupe 1998?

My partner is willing to by me my dream car, a Fiat Coupe 20v turbo, 1998 model, where should i go for insurance, i am getting really daft quotes! i have been driving 21 yrs, unfortunately not had my own insurance! except for the last 3yrs, had a windscreen claim, stone on the motorway, thats it! somebody please help me , i really want this car!!!! (, i am a very young 52)!!!""

Premium rates increase after an auto accident?

I rear-ended a car and that car hit another car. The car in the middle I believe will have lots of damages to repair. When my premium rates increase, what is the deciding factor on how much it will increase? Is it the cost of repairs to the cars? or just the fact that I got into an accident. In addition, with this one accident and 2 cars having damaged does that mean that the insurance company would see me hitting 2 cars instead of one which will increase my premium even more? And by the way, my insurance company is mercury if that helps! Thanks!""

Dont have Health insurance question?

what happens if someone is severly sick and dont have health insurance.Will the ambulance still take them to the hospital and if so will he or she be treated even though they dont have insurance..

Big hoo ha over teenaged car insurance?

Might take a while... Basically the people in my year at school are all at an age where were starting to learn to drive, and also talking about getting our own cars (those who can afford it) Some people are going to get their cars, and pretend that their parents are the main drivers just to make the insurance cheaper, however others are saying that insurance companies can actually catch you doing this. It makes sense that they should be able to as it is fraud, i was just wondering though, does anyone know HOW they actually do this? Is it if you make a claim? Or do they actually track where the car is going and from that work out who is driving it? Just thought i would ask to try and clear up this huge grey area, personally i am not planning to get a car as i cannot afford to have insurance with just me on the car and i dont want to screw over my mums insurance forever should we get caught pretending it is hers so do not start having a go at me as if i am going to try and cheat the system. I am literally just wondering how it is done. Thanks.""

Cheap Auto Insurance?

I know for a 17-yr-old newly licensed female its expensive, but what auto insurance company would you recommend. I live in New York, drive '93 Ford Explorer thats in satisfactory condition.""

How Can I Get Cheap Auto Insurance?

im 18 i just got my lisence i have a 93 ford ranger that my dad can put in my name. my parents are seperated. my mom has excellent driving record and good policy. if i get on her policy. can i drive the truck if its in my name ? im not sure im just trying to get auto insurance. and i have no one to help :(

Good/Cheap Turbo'd car? No hondas?

What's a good and cheap car around 15,000 used with around 20,000-40,000 miles on it, I was thinking of a SRT-4 or a cobalt SS but I want more ideas too, I'm 18 and I dont want my insurance to completly blow up, I did drive a 1999 merc cougar and I was paying more for a sports car in insurance til I blew a head gasket on that POS, so I am wondering if a 4cyl turbo'd car would be cheaper or not too bad in insurance,? I live in Florida, thanks to whoever""

Reed City Michigan Cheap car insurance quotes zip 49677

Reed City Michigan Cheap car insurance quotes zip 49677

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hi I'm an international student who goes to college in Iowa. I have a college insurance and I guess it convers most of meetings with doctors. Now, I'm taking 3 months-summer session at University of California. I think I 've heard some stuff that I need to have Californian insurance to stay here. What is this? Is it wrong? Plus, my wisdom teeth is coming out recently. It starts to hurt. Does insurance in America covers dental work?""

""On, average what would a classic mini's insurance cost be.?""

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Pay as you go car Insurance for 1 month?

I've had my driving license for a little over a year now and I badly want a car but I don't necessarily need one at the minute. The insurance is the only factor which prevents me from getting my own car. My friend has a car that is taxed, MOT'd, you name it but he hasn't got a license yet so the car stays on his drive. A few of us want to go to blackpool or something for the weekend coming up and I was enquiring about pay as you go insurance, some insurance companies do this, some don't, some have different polices etc etc. Some you have to be over te age of 21, some like the norwich union aviva I believe you can be 18 but you would of needed to held your license for over a year which I have. I can't seem to find an insurance company which could maybe do a month so I can drive my friends car, Aviva was unable to provide a quote due to the fact that I'm male and 19 years of age. If anyone can shed a little bit of light on this topic and help me out, It would be mostly appreciated! Thanks in advance!""

Car insurance for under 3k?

Hi, im 18 and im trying to find car insurance for under 3k and pay it off monthly. Im getting quotes like 5-6 grand, the comparison sites are a load of rubbish as their saying way ...show more""

What is average cost for auto dealers insurance for a year in NYC?

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How much does the home owners insurance cost in south florida coral springs?

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1999 Camero Insurance Question.....?

Hi, my son is turning 16 and our friend has a camero that his is going to give him a good deal on and I know because its a sports type of car insurance is going to be expensive and he is young...... does anyone have a quote or in the business and has a ballpark number? Thanks""

Is the nissan 240sx considered a sportscar when dealing with insurrance?

which would cost more for insurance, a 1997 nissan 240sx or a 2008 scion tc and is the 240sx considered a sports car?""

How do I get car insurance?

I am 18. I am not in college nor do I have a diploma. I don't start college till Fall 2011. Is it possible that I can still get car insurance? If so, how?""

How much would car insurance be for a new driver and a crappy car?

I got my liscense 2 months ago and have been saving for a cheap car on Craigslist; around $1500. I need to know how much I would have to pay annually for car insurance for like a mid-90's, 150K miles Nissan/Volvo.""

Mens car insurace???

How much more do men under 24 pay for insurance than women under 24?? On average??

Help with car insurance........................

i am 16 but when i turn 17 i want to pass my driving tests. my worry is car insurance. i want to buy a little car like Peugeot 206 1.4 or something similar but i have checked insurance companies and their quotes are ridiculous so my dad said that if i give him the money to buy the car he can then insure it on his insurance and add me as an additional driver so i can sometimes drive it to my mates or whatever. i have heard of something called fronting and i was just wondering if then we would be doing that or would everything be legal. thanks in advance Matt

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I want to purchace some life insurance just in case.

Car accident with no insurance?

I was stopped at a red light behind two cars. Both cars started to go and so did I the next thing I knew I had hit the car in front of me. The car in front of me hit the car in front of him. We all pulled over my car isnt to bad but I drive a suburban, the car in front of me was a smaller car so his looked a little worse. Nobody was hurt, and all cars were drivable, so we decided to not call the police we just all exchanged information. After we had finished and they left I immediately called my insurance lady to let her know what happened. I am not super clear on this next part, we have been going back and forth with our insurance since that call and will continue to fight it. When I called the insurance lady she said I wasnt covered. She said that they had received the last payment much later than it was due (not sure how because it was mailed the same time as always) but because of that our insurance had been cancelled. A couple of weeks ago they had chased our check, she said we were reinstated as of yesterday (the day of the accident) but because it was the same day they werent liable to pay the damages. We are going to keep fighting them because I dont think its fair. Even if they decide that they wont pay we can afford to just pay for the damages to the rear end of the car in front of us, because know matter what happened I am at fault for following to close. We cant afford to pay out of our pocket also for his front end and the rear end of the first car. Shouldnt those damages be covered by the car I hit because he was obviously following to close to the car in front of him? Im a little freaked out with all this, this is the first accident I have ever been in and we have always had insurance, so we thought. The insurance company did say they mailed us a cancellation notice but if they did we have never received one.""

How can low-income people *afford* lower cost health insurance?

Huckleberry suggested that low-income people will be able to afford low-cost private health insurance--but he doesn't say *how* that will be possible. Guliani says that with tax credits, people will be able to afford low-cost insurance. (How is that possible?) I haven't figured what the other GOP candidates want, but how can low-income people--and those on disability--be able to afford expensively HUGE health-insurance plans on what little money that is already afforded to them per month?""

What are some good dental insurance carriers with affordable premiums and copayments?

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Best way to grass without any comeback on stepson whose put our address for cheaper car insurance?

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About life insurance.......?

My nephew told me that you can take out a life insurance policy on anyone at anytime.....is this true? For example,would it be illegal and/or immoral if my nephew took out a life insurance policy on one of his grandparents,who he knew was getting old and didnt have much longer to live?Could he actually do this and cash in on it?""

What is the approximate cost of minimum coverage auto insurance in Ohio if you are young and drive a small car?

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Delaware auto insurance (state required minimum) cheaper than Geico?

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How Much is this Emergency Room Visit without Insurance?

My aunt got really loopy yesterday after hearing bad news and i took her to the emergency room. They took her blood pressure, pricked her finger to test her blood sugar, the nurses/doctor asked her questions, and they gave her an anti-anxiety pill. That was it. No xrays or anything else. it took about 3 hours all together with the waiting. would this still be about 500 - 1000 bucks?""

Car insurance?

Does your car insurance have to be under the title holder's name? And as far as that goes...does the title have to be in the name of the person with the loan? If it does, can there be another person on the title who isnt part of the loan?""

What is the cheapest/best home insurance right now?

my home insurance just went up from roughly $800 to $1300 a year! Is their a better, more affordable one out there? Thanks""

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auto discount insurance quotes

Auto insurance?

what is the best auto insurance out there and why

How much would my insurance go up?

I'm looking at getting a coupe for my first car. Possibly a 2010 Camaro or Mustang. As of now my mom and I share her car, a Cadillac CTS. The insurance for myself is about $140 a month (I'm 16) so if I got a coupe, around how much of a jump would that make my insurance go up?""

Proof of insurance issue (Houston)?

I received a ticket while visiting in Houston for not having a valid TX license and for a traffic violation. The ticket costs over $300, but I would like to take a driving class to lower the cost and avoid a points penalty. I was driving my friend's car when I got pulled over. She has insurance for her car and she was with me, but since I was driving, I got the ticket. I am currently not an any insurance policy and I need to send in the defensive driving course request with proof of insurance. Is it okay to send the insurance of her car? Please help. PS. I already took care of the license part. Thank you.""

What to do if he doesnt have car insurance covered ?

i got a car accident on 2/09/10 around 11:45pm, and when i got the police report, it says 00:05am 2/10/10, it really doesnt matter to me at the first moment when i got the report. I tried to claim the insurance, but the agent told me that the other guy has no insurance covered, it's either expired or dont have it. And few days later, i got a letter from The Hartford , stating that: we received your claim request for a loss on 02/09/2010. According to our records, this policy was cancelled effective 2/9/10 for non-payment. We are unable to honor this cliam because the loss occurred after the policy was cancelled. I was so ****** up, i mean, can they do it on purpose ? just because they dont want to pay me ? If so what can i do ? How am i gonna claim my loss ? my car is totaled. I went to do a body checkup...everything is fine, and my health insurance covered that, but can i claim the bill with my car too ? I asked my agent, and it seems like she doesnt help, knows nothing about how to do and doesnt even help, worst agent ever. She suggests me to go to Small Amount Claim Court to file a complaint, because she cant claim the loss from the other guy. So, my questions is, what should i do ? go to the court and file a compalint ? or any advice ? (i consulted with a lawyer, and he said that since i dont have body injuries, it's hard to sue, and they dont accept the case, bacause the amount is too less to claim)""

How much is your car insurance?

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""How good would a 1.6 Renault Clio RXE for road tax ,insurance running costs be?""

How good would a 1.6 Renault Clio RXE for road tax ,insurance running costs be?""

Motorcycle Insurance question?

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How much does Car Insurance for a teenager cost?

How much is car insurance for a 15 ( starting drivers ed) year old girl if you are only a part time driver, like if you dont own a car you just use your parent' car in Illinois? Like how much is added on to your parents insurance bill? and how much does it cost if you have your own car?""

What is good car for cheap insurance?

okay im 16 and now have enough money for a car. I want a GM or Ford car what would be a good car from the 90s that would be the cheapest on insurance.

How much do speeding tickets effect your insurance ?

I got 2 speeding tickets, my first and second one of my life and im only 17. How will these tickets effect my insurance ?""

What is the cheapest car insurance for me?

i am 18, had a DWI in dec 2006 what would be the cheapest liability only car insurance for me? thank you""

Tell me a word which explain Insurance in a single line?

I need a good tagline for Insurance

Health insurance from a broker?

HI, I need to take out a health insurance policy for myself because my work doesn't offer any. I called a local insurance broker who offers that service in addition to others like life, business, etc. My question is, is there any negative reason to buy from him verses going online and buying a policy by myself? I think I'd get more info from a broker right? Thanks""

What vision insurance is the best?

I really need to find a best vision insurance. Please help

Does how many times your license suspended affect your insurance rates?

Toronto

Insurance while in the military?

How does insurance work when the car is registered in another state which for me is california and I'm currently stationed in texas. What address would i use if my car is with me in texas but is registered in cali.

Do i still pay the monthly payment (car insurance) after a accident?

I got into an accident on 12/ 15. since then i havnt drove my car bc its not fix or its just waiting for it to be junked. and my monthly payment goes out on about the last week of each month. (my payment goes electronically from my bank ) so on 12/29 they took the monthly payment of december. and then in jan 28, it took another payment even though i wasnt driving the car. my insurance expires this coming march. so do i continue to pay till march even though the car is not used?""

Cheap car insurance companies?

I just turned 17, and im gonna be learning to drive soon, but once I have learnt to drive, I can't afford the insurance""

Car insurance?

after a claim with my car insurance they wanted the policy payment in full,i would;nt pay it at first because of the crap service i recieved.4 weeks later i said i would pay as long as my policy ran its term they refused but still want the policy money.now they wont release my no claims bonus until i give them the money. what can i do ?""

Whats the best and cheapest car insurance?

Whats the best and cheapest car insurance?

Insurance companies that don't require college degree ?

Does anybody know of any insurance companies that you don't need a college degree to work at? Apparently you need one for liberty mutual which is where I was looking to work. I was working at American income for a month but was not satisfied with how the company is operated. I'm looking to go into property and casualty as well. Is there any good companies out there that will hire with a little experience and offer a schooling program for property and casualty? I already hold a life license good for the next 2 years.

Had an Accident Car insurance question?

I had my first accident the other day and it was pretty bad. I was the person at fault. I am about to turn 21 in 8 days. I have allstate insurance and the othe party of the accident no has a lawyer even though he acked fine at the accident. How much will my insurance go up and is there anything else i should know or can do?

How can I find what insurance i had with car I dont have anymore?

After almost 7 years the DMV says that I owe them for a lapse in insurance. Car was repossessed and I didn't take the tag off. (my mistake) I'm pretty sure I canceled the insurance but I can't remember what company I was with or what dealer I got the car from. The DMV had no other information on the car other than the obvious fine. My renewal is coming up and I don't know what to do. PLEASE HELP!

Pennsylvania law auto insurance question?

Someone hit my car when it was parked in front of my house, the car is totally wrecked. I know who's car it was but the owner denies being behind the wheel, claiming it was stolen. The thing is I currently don't have car insurance. Will the other person's insurance pay for my damages?????""

How much will my boyfriends car insurance go up? appx?

he's 23 and he just got a dui last night in cincinnati ohio and has nationwide (worst night of my life cuz i've never had a run in with cops before). he drives an old 95 civic and pays like 35 a month right now and he doesnt have any other marks on his record. also dont answer if you're going to judge, he could actually drive just fine but the cop was a jerk and wouldn't give me straight answers when i had questions and arrested him after he used the word perjury wrong in a sentence. he said you were doing great up until then . and he also condescended him in the car even though he had been cooperative the whole time. ps i have a new found hate for cops.""

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auto discount insurance quotes

How much does baby life insurance cost on average?

I am doing an anatomy project and we are supposed to research the cost of a baby for the first six months. If you could just give an estimate that is fine too.

Will I be covered under my parents car insurance or do I have to take a new plan?

My parents have insurance on their car and I am going to get my license in a few days. So if I drive their car and if I am involved in an auto accident will I be included in their ...show more

Where Can I find good dental insurance?

I need dental insurance that will cover oral surgery, as I have 2 ingrown wisdom teeth.""

How much can we expect to get from insurance for replacement of car door?

Our 2003 Hyundai Sonata got backed into recently. The lady hit the front passenger door and smashed it in. It still opens, but sounds awful when it does, and the window doesn't work right (power window). She had Farmers insurance, and I've heard bad things about them, but we're gonna get an estimate from different auto body shops around town. How much can we expect the insurance to pay out for this damage?""

Car insurance for 17 year old??!?!?

Hello, I have just looked at car insurance prices for a 17 year old male on a peugot 106 with a 1.2 engine size... and its over 5 grand!?!? Is this right or am i doing the quote things wrong? How do so many people my age have cars if they are paying this much for a bloody car!! Is there something I am missing that everyone else is doing? Or do i just happen to live with a lot of teens with rich parents?""

How would i get health insurance with no income?

with obama care about to start, how can I get health insurance, I don't qualify for Medicaid because I don't have any income, I'm 37, single female, I stay with friends when they throw me out I go to homeless shelters, I live in south carolina, I won't be able to pay fees for not having health insurance""

I want to cancel my life insurance for a better one can i get my money back that i put in on it.?

are we allowed to get money back that we put towards life insurance.. if so how long do u have to have the policy to qualify for this. mines is only 7 months old. thanks.

Average costs for car insurance>?

I am a college student thinking about getting my first (used) car... probably a 10 year old model of Honda accord, and I was wondering how much would the insurance costs (month) be roughly as I have little idea about those?""

How much can we expect to get from insurance for replacement of car door?

Our 2003 Hyundai Sonata got backed into recently. The lady hit the front passenger door and smashed it in. It still opens, but sounds awful when it does, and the window doesn't work right (power window). She had Farmers insurance, and I've heard bad things about them, but we're gonna get an estimate from different auto body shops around town. How much can we expect the insurance to pay out for this damage?""

""Car insurance, applies to other car?""

Alright so, I plan on driving to a camping trip up in WI and I live in IL. The thing is, I don't know if I'm insured on the car I want to use. I usually drive an SUV (which my parents said they put my name under to use) so I'm insured on that one. But I want to take the other car because of gas mileage. I don't know how the insurance works. Am I covered on the other car too? P.S. My parents have State Farm as our insurance.""

Do you all have health insurances?

I mean what is a health insurance? more info please thanks

Car insurance?

I have been looking about getting a small car and i was just wondering how much younger people have paid for their insurance. Im 18 and it is really high and i was wondering if it was like this for everyone??

""Can I get a refund of life insurance premiums I paid? I set up a $100,000.00 life insurance policy?

August 2009. Monthly premiums were deducted automatically from my checking account. recently I had to change my checking account number because someone got access to my banking info. and made unauthorized deductions. This in turn caused my monthly insurance premiums from getting paid. The insurance Co. requested a substantial fee to reinstate my policy I cannot afford this fee can I get a refund of premiums paid and cancell the policy?

Will co op car insurance refuse to pay out?

Some idiot smashed into my car and write it off now co op car insurance are wanting a photocopy of the car log book before they send a cheque! Only thing is its technically in my ...show more

What do i need to get low insurance on a car?

What affects insurance price and what model is cheapest?

When does car insurance go up in relation to an accident?

I was backing out of a parking space, and the car that was parked next to me was closer to me than I thought, and I scraped the side of their car as I backed out. I left my information, and filed a claim with the insurance. My car was fine, hers was scratched pretty significantly. Anyway, I'm wondering how car insurance works in terms of covering things like this & in terms of increasing rates after an accident . Do the rates go up regardless? Do they go up a lot? Or does it depend on the severity of the incident? FYI I have never had any moving vehicle accidents or tickets. Any help would be appreciated...I'm kind of in the dark!""

How much would insurance be on a honda cbr 125?

I'm 17, had one year on a bike with no claims and want to get a 125 cc. Heard that the Honda cbr is a good bike to get but I've been told they're expensive to insure. would go on the comparison sites but they take ages then send you a load of spam! so anyone know how much it would cost for third party only? the bike I'm looking at is a 2006.""

What is the cheapest car insurer for a 17 year old WITHOUT a black box?

What is the cheapest insurance company without a black box or device to monitor you're driving for a 17 year old...?

What happens if your driveing a car with no car insurance and someone hits you.?

We live in California. My seventeen year old was driving our car that was uninsured and was in a accident. The other driver admitted it was his fault and there insurance company has already claimed full responsibility. What I'm wondering is what will happen when they find out we have no insurance. I did yake my son to the doctors and they said he does have wip lash but will be fine

""Lost heath/dental insurance, anything more affordable than COBRA?

I just graduated from college and have 30 days to determind if I stay with the COBRA plan (about $350 a month) or find other insurance. I don't mind having to use in-network doctors. I'm also based in NJ if that makes a difference. Any ideas on what I can use? Much appreciated.

Health Insurance?

anybody got any good advice am looking for health insurance my husband retires soon and we will need to get our own Health insurance. looked at blue cross and health partners but it so expensive anyone no anyone more affordable ty for any info.

Decent and Cheap Health Insurance Plans for International Students in the US?

I will be studying my Master in the Boston area, this September. The grad-school health insurance is a little too expensive to me. What would be some of the decent and affordable health insurance companies and plans?""

How to find how much my car is worth for insurance purposes?

I was involved in a car crash, legally not my fault - but is still going to come off my insurance. The car is written off and I'd like to know what to expect the insurance company to offer me - and perhaps argue that the car is worth more if I can. Car was a Seat Ibiza 1.4S, Reg no. Y828 TGC. About 128,000 on the clock. In good working order. Five previous owners, part history for three of them. No visible rust. Small dent rear bumper. M.O.T. good for another 4 months. Have already tried a few online valuations, they vary so much I'm not sure they're much good to me.""

Does raising your car insurance's deductible really save you money ?

* Does raising deductible on car insurance really save money ?? * Is it worth it and * How much money would you save if you raise your car's deductible from 500 to 1000 dollars Any information would greatly be appreciated....Thanks :)

Car insurance question?

I got an insurance question. I let my fiance, who is not insured by my insurance company drive my car. I was in the car with him. He was intoxicated and hit 9 parked cars causing minor damage to all of them. Will my insurance company have to pay for the damage?""

auto discount insurance quotes

auto discount insurance quotes

Insurance for a camero?

When I turn 16 or 17 I want to get a car and It will either be a 2012 camero or a Jeep Wrangler Rubicon. Since I am young how much will the insurance be for either of the cars?

How high does insurance go up for a speeding ticket in MN?

I recently got a speeding ticket going 60 on a 45. How high does my insurance go up I'm 16 and drive a '05 300C

Car insurance and full time employment?

After playing about on comparison websites I've noticed that with the same companies it's about 100 less if I am in full time employment compared to being a mature student with a part time job...why is this?

How can we get health care to be more affordable?

55,000 to 100,000+ got an appendectomy is just too much for the average person with a savings under 2,000 ...show more""

Does manual transmission increase your insurance rate?

i had someone tell me it did, but i just don't know about that!""

Insurance on a 1999 saab 9-5?

My dad says if I bought one the insurance rates would be extremely high even if we put him as the primary driver??? I'm 18 and irs either this or a 92 camaro will it be that expensive??

I changed my car and the insurance is so expensive?

Hello Everyone, Ive changed my car and I've bought Mazda RX8, the thing is my insurance does not insure these type of car, and they said send us the certificate and we will send you a 3 NCB. I've checked many sites such us moneysupermarket, confused.com etc. and they cheapest quote was 2200 per year. anyone knows how can i get a cheaper insurance for this car ? Thanks""

How can I save on car insurance?

I live in SC, and is 21 years old. I recently got my Drivers License without going to a Drivers school or anything. I was wondering are there any ways I can still save on car insurance.""

""17, first speeding ticket, is insurance going up?!?

Got my first speeding ticket and I'm 2 months from being 18. I live in Washington and I'm on my dad's state farm insurance. I was caught 11 mph over the limit (25) and I'm not sure if it was in a school zone but it probably was. The fine is $154. I think my dad's been w/ sf for several years. How screwed am I?? If rates go up even one cent my dad is going to murder me

Car Insurance?

......bought a new car............still got the old one......transfered insurance from old to new..........want to sell old one, so if someone wants to test drive it, presumably its on their insurance????""

Does my insurance liability have to match my room mate's?

They own their own home and I was told by their agent that my liability on my car has to match theirs for their protection. Note my car is very old and I just want the cheapest insurance I can get.

How much would it cost me to insure a ford focus st 06 plate?

Im only 17, my 18 birthday is coming up and i only need a bit of money to buy a focus st, i really need to know how much insurance would be since i am only 17 wont have the car until 18 though. Dont know if that would make a difference! Would just like to know what price estimated ? Thanks for reading x""

How to get best fair settlement from car insurance company for 1996 corolla?

Hi: My 1996 toyota corolla was hit by another car in the rear on the passenger side. My car was in excellent condition, everything worked, nothing broken, no rust (paint in excellent condition as it is always in my garage at home or in a covered parking lot at my workplace), low mileage (130K), never had a problem and I am the original, sole owner and driver of the car. I was planning to keep driving it for years to come. Now the insurance company wants to total my car and what they are offering for my car /their initial proposed settlement of $3500is not nearly enough to buy another car in the same excellent, safe and reliable condition, that is not riddled with hidden problems. This presents a big problem for me as, if I cannot have my car fixed and restored to the same condition as before the crash, I would have to come up with at least $12K to $15K to buy another new safe, reliable economy car. This is an expense that was not in my plans. Also, the insurance company is pushing me to make a hasty decision and is threatening me with not paying for the car rental I needed to get (since my car cannot be driven as the tail light is broken and and rain would get in the car). Is there any way that the insurance company can be prevented from totaling my car and instead pay for properly fixing the car with good OEM parts instead of used (LKQ) parts. I got several estimates, two for around $5K and one for around $7K (this one is from an excellent body shop that has done excellent work on my other previous cars before). The insurance company provided and estimate for $4k using used/LKQ parts. I would appreciate any advice on how to get the best settlement from the insurance company.""

Car insurance in NJ...?

I am 19, just got license. Its still some restriction for 1 year but other than that its a regular one , I can drive by myself. What could I do to get a car under my name and not to be killed by insurance rates. Price of the car is not my primary concern and I would gladly lease one ( would have a cosigner too if necessary) since I work close enough but I am afraid that it is the most expensive option...""

""On a road trip with multiple drivers, how do you handle car insurance?""

I'm going on a road trip to the US (from Canada) with some other people, and we'll be using one of their cars. We're all driving this car. Is there car insurance we can buy just for the trip? It would suck to have an accident and affect the car owner's insurance. Thanks for any tips you have.""

What is the renewal process for car insurance?

Do they call in around expiration of the policy. Or is it a form you fill out. What questions do they ask? In particular, say you failed your G test before the expiry of the insurance policy and you redo everything and get a G or G2, will your insurance rate remain the same?""

Insurance on salvages autos? hw much?

i was just wondering if its possible to get insurance if i buy a salvage car from private seller? how much would the rates be? anybody has any idea? is it possible to get comprehensive insurance for a salvage car? well you cant get insured then how can you drive the car around ! doesnt make anysense right!?

Insurance for a 350z on Parents plan?

Hey there so when i turn 18, im buying a 2003 nissan 350z with my own money. Right now im 17 and have been driving an old civic for almost the past 2 years and have never gotten in an accident or ticket (not that that lowers the insurance at all) and have the good student discount. so i followed the rule of thumb to buying a car thats okay to beat up when you first start driving. anyways, ive been looking for a lot of answers to my question, but all of the people asking it seem to be paying for theyre own insurance. Im on my parents plan, and when i buy the car its going to be put under my dads name (he is 52 and is a teacher btw if that matters). Both my parents are extremely responsible drivers, so im assuming their insurance rate wont be as high as if the car was in my name. the one issue with this car is how much insurance is going to be exactly. I looked for a quote on progressive, and im almost positive it cant be right. when i typed in the insurance cost for my 2003 civic with me paying it myself, it was only like $10 cheaper per month than a 350z, which like i said seems somewhat off. anyways, does anyone that went through buying a sports car when they were 18 with kinda the same thing have any answers for me? or even if you just know insurance well i just want to know. My parents would be okay with insurance going up some, but not astronomically high (like people were saying a couple thousand a year). ive asked them if they can talk to our agent (we are insured with PEMCO), but they keep saying theyll do it later. anyways, sorry for the long question. but any answers would help! Thanks!""

How much money could i save on my car insurance by switching 2 geico?

How much money could i save on my car insurance by switching 2 geico?

How much motorcycle insurance

I'm 16 and i live in new york but i don't know how much insurance is

Is there a fine (other than the $25 correction fee) for a ticket for driving without insurance in California?

Is there a fine (other than the $25 correction fee) for a ticket for driving without insurance in California? I will have insurance on Monday when i go to take care of the ticket and hopefully just have it signed off. I was told by the ticketing officer that it was a fix-it ticket. So, will current insurance and the $25 fee be all i will owe, or are there any other fines or fees i should expect?""

Hit and Run Insurance Claim: How do you go about it?

I have case # from the police. Will the Insurance company send someone to check the car or should I have to get them quotes?

How do Insurance companies pay for medical bills?

I was in an accident last year that led to me being in the ICU for a few days. I incurred a hefty medical bill as a result. The accident was not my fault, and the driver was insured. I am going to a mediation to decide how the money the insurance company can pay will be divided between those of us that were injured. My question is, when we come to an agreement, will the insurance company send me a check or will they send a payment to the hospital where I owe money?""

Cheap auto insurance in Canada?

for new drivers?

I drive without insurance and got a speeding ticket ...?

Okay guys, I'm in a very tough situation right here. & before I get to the question, Yes I know I was stupid and I have learned my lesson. Okay, I'm 18 years old and had my license for almost a year now. My dad lets me drive his car (which is under his and my moms name) ... he knows I don't have insurance and still lets me drive (I guess it's because he's too cheap at the moment) ... One day I was coming back from college and got on the interstate to get home faster. Speed limit was 55mph but I ended up going 78mph (I live in Virginia by the way) ... Luckily the cop didn't mark me for reckless driving, just speeding. I showed him my registration and stuff during the time I got stopped but he didn't say anything about me having no insurance. I checked online and my fine is $200 for speeding ... My question is whose insurance will go up?? I don't have insurance ... will I get in trouble? I didn't tell my dad yet because he'll kill me. Thanks.""

auto discount insurance quotes

auto discount insurance quotes

https://www.linkedin.com/pulse/least-expensive-cars-insure-2015-isaiah-rice/"

[allofbeercom]

‘These Storms Are Just Crazy’: Craft Beer Brewers Are Feeling Effects Of Climate Change

Hurricane Irene’s march through Vermont’s Mad River Valley in 2011 tore down bridges and turned roads to rubble in towns like Waterbury. The storm littered businesses and city offices with debris and sewage, and damaged close to 100 homes.

One of its victims was The Alchemist brewpub, which owners John and Jen Kimmich had built from the ground-up into a darling of the craft beer scene, known throughout New England for Heady Topper, its standout India pale ale.

Boston Globe via Getty Images

Alchemist brewery owners John and Jen Kimmich

When the waters receded, very little in the brewery was salvageable. If the Kimmichs were ever going to make Heady Topper again, they would have to start from scratch.

“We had a decision to make ― either make an insurance claim and sell our business, or double down, focus on growth and rehire everyone,” says Jen Kimmich. She and her husband opted for the latter, rebuilding on higher ground with a stronger structure.

In the face of a changing climate, craft breweries such as The Alchemist are feeling the impacts. More than 5,000 craft breweries now operate across the U.S., and many were built in affordable but precarious locations, like floodplains or forests, making them especially vulnerable to extreme weather events like Hurricane Irene and shifting climate patterns that threaten their business.

Breweries rely on raw ingredients such as hops, water and grain, and supplies can be choked off by drought, storms or pests. These problems will only become more intense with climate change, scientists say.

Bloomberg via Getty Images

Hops 

Climate swings have already resulted in U.S. hop shortages that had brewers sourcing from as far away as Argentina. To survive the next climate-driven hop squeeze, Kimmich has a plan. “The best way we can mitigate that risk is to pre-pay for hops,” she says. “That puts us first in line in case there’s another shortage.”

The Alchemist isn’t alone in pre-paying for hops. Most craft breweries purchase hop contracts ― several years in advance, in some cases. However, if hop shortages become more frequent, which scientists have predicted will happen in some regions due to climate change, there may not even be a line for buyers to wait in. Nature has a habit of throwing a wrench into things.

Aeronaut Brewing Co. in Somerville, Massachusetts, experienced that firsthand this year, when hops the operators expected from western Massachusetts were delayed, then canceled. 

“Unfortunately, due to the late-season warm weather this year, the crop was not ready until way later than expected,” says Ben Holmes, co-owner of Aeronaut. “Finally, when [they] were about to harvest, they were hit by a bad blight, which knocked out the entire crop.”

Aside from shocks to his hops supply, Holmes has had to contend with rising utility bills imposed by the city to address its aging sewer and storm drainage systems, which officials say are ill equipped to handle major storms and rising seas.

“As Somerville tries to cope with climate change, we are facing bigger and bigger challenges with flooding, mitigation of which is requiring major infrastructure investments which are incidentally being tacked onto our water bill proportional to use,” Holmes says.

Boston Globe via Getty Images

A woman jumps over a puddle after a heavy rain in Davis Square in Somerville, MA, in September

Since his brewery uses a lot of water ― not just for beer, but also for cleaning tanks, hoses and kegs ― Aeronaut ends up paying a lot toward Somerville’s cost of preparing for climate change. In fact, craft breweries across the nation are investing in wastewater treatment and solar power generation to offset rising utility bills.

New Belgium Brewing Co.’s solar panels, for instance, generate almost 5 percent of the power for its packaging facility in Fort Collins, Colorado. Louisiana’s Abita Brewing Co., meanwhile, has installed an anaerobic digester to convert waste into biogas that’s recycled back into the brewery.

But Steve Frazier, head brewer at The Brewer’s Art in Baltimore, Maryland, says it’s not always easy for small craft breweries to enact resiliency measures like hop contracts or infrastructure buildouts because the return on investment isn’t as obvious. What’s more, he says, “smaller outfits can’t usually budget for big efficiency projects when they are just fighting to stay relevant, or trying to meet production demands.”

Boston Globe via Getty Images

Cans of Heady Topper

Aside from hops, Frazier also worries about the effects climate change will have on beer’s other main ingredients: barley and water. While the amount of water used to make beer varies, it is estimated to take roughly 20 gallons of water to make a pint of beer. Many large craft breweries ― like New Belgium, Sierra Nevada and Stone ― have opened production facilities on the East Coast, in large part to lower distribution costs, but also, Frazier believes, to soften the blow of continued water scarcity in the West.

“I don’t think any of the West Coast breweries that have recently opened East Coast facilities would come right out and say it, but I bet it will get really expensive to brew beer out West in the next 20 years if water gets any more scarce,” Frazier says.

While not a direct solution, dozens of craft brewers have signed the Brewery Climate Declaration, which calls attention to the effects of climate change on the industry and outlines actions breweries are already taking. That includes Michigan’s Brewery Vivant sourcing 100 percent of its energy from renewable sources and California’s North Coast Brewing Co. diverting more than 90 percent of its brewery waste from the landfill.

“We hope that by signing onto pacts such as this one, and doing everything we can to keep this topic visible, we can make it clear that businesses must give a damn about climate change,” says Holmes of Aeronaut Brewing.

Kimmich agrees. “On the heels of our president pulling out of Paris, we want to show that if the government won’t move in the face of climate change, business leaders will,” she says. “The writing’s on the wall. The science tells us that climate change is real and it’s just speeding up. These storms are just crazy. I’m sure there’s more to come.”

Aleszu Bajak is a science journalist who teaches at Northeastern University.

For more content and to be part of the “This New World” community, join our Facebook Group.

HuffPost’s “This New World” series is funded by Partners for a New Economy and the Kendeda Fund. All content is editorially independent, with no influence or input from the foundations. If you’d like to contribute a post to the editorial series, send an email to thisnewworld@huffpost.com

RELATED…

These Before And After Images Show The Startling Effects Of Climate Change

Nominee To Key Environmental Post Ignores Climate Change In Her Own Backyard

Keystone XL Pipeline Just Cleared One Of Its Final Hurdles Despite A Massive Leak

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from All Of Beer http://allofbeer.com/these-storms-are-just-crazy-craft-beer-brewers-are-feeling-effects-of-climate-change/

[letsimportanttreecollection-blog]

How much would the insurance rate be for a 16 year old female?

"How much would the insurance rate be for a 16 year old female?

I'm a B average student, and I'm looking to get a 2011 Kia Soul as my first car. I've gotten my learners permit and are trying to get my Driver's Liscence. Also does the color have anything to do with it? If so I want my car in green.

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

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My husband and I are currently covered at Geico. We pay 1320 for 6 months coverage. We've been with Geico about 5 years and our rates have stayed pretty much the same. I was looking at quotes online and there are significant differences between them all and I am so confused. I have been making sure that I am comparing apples to apples, all the same type coverage. Esurance quotes at $799 per 6 months, Teachers Insurance quotes at $1309 per 12 months, Mercury Insurance at $661 per 6 months, and then 21st century quotes at $1053 per 6 months. Why is there such a big difference between them?? My best bet looks like Mercury or Teachers right now...""

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Cheap car insurance is all I need.?

Anyone know about car insurance?

I have always wondered about this.... say you were in a car accident with canceled insurance/ no insurance....but the next day you pay it. Then you reprt the accident, will they cover you?""

""If healthy foods were more affordable, would health insurance be cheaper?""

It irritates me beyond words that people these days are almost forced to have a poor diet because junk food is more affordable. Then, the health risks associated with eating junk food cause more people in the hospital, more money being shucked at pharmaceutical companies for medicine to treat the diseases cause by poor diets, and health insurance and taxes we all have to pay for regardless of how healthy we try to be. I mean, if a packet of Ramen noodles is 50 cents and an apple is $1.50, the majority of the financially stressed nation is going to reach for the Ramen. I would love to eat mostly raw fruits and veggies all day long, but I simply can't afford that and it makes me feel like the government is forcing me to eat crappy foods in order to survive. Why are healthy foods so expensive? And wouldn't it factor out in the end to reduce the price of healthy foods knowing a lot of money would no longer have to be forked out for doctor's visits?""

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

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

Insurance (california)?

I'm an international student who goes to college in Iowa. I have a college insurance and I guess it convers most of meetings with doctors. Now, I'm taking 3 months-summer session at University of California. I think I 've heard some stuff that I need to have Californian insurance to stay here. What is this? Is it wrong? Plus, my wisdom teeth is coming out recently. It starts to hurt. Does insurance in America covers dental work?""

What is the cheapest and best car insurance company?

I live in pueblo CO

Can you drive your parents' car without insurance?

I am 17 years old. I live in California. They have insurance for their cars,and I am licensed. Their insurance are Mercury,and AAA. thank you""

Need help with Car Insurance?

I am a 17 year old male in california, who just bought a 92 Buick Skylark and I need to no what would be my best bet when it comes to getting insurance, I would like cheap insurance, as cheap as I can get. I have shopped around and its not helping. PLEASE DONT SAY LOOK IT UP YOURSELF CAUSE I HAVE AND I AM ASKING FOR SOME HELP!!!""

M2 and G1 car insurance?

As I noticed in drivertest.ca site that if you a holder of M2 you can drive G class vehicle under the condition of getting G1. So that means M2+G1 == G2 in one way (I mean G2 won't equal M2 + G1) So anyone have an idea how much insurance I have to pay for getting a car (i know a lot of details here but consider cheap car and no experience at all)? This info about M2 + G1 = G2 is from here: http://www.mto.gov.on.ca/english/dandv/driver/gradu/index.shtml Note: Class M2 and Class M licence holders may also drive Class G vehicles under the conditions that apply to a Class G1 licence holder. Thanks in advance

What is the insurance cost per month for a 16 year old to drive a 2000 mustang GT?

Hi im 14 so i will be taking drivers ed pretty soon so my dad said to start looking for a high school car. I found this 2000 Ford Mustang GT thats only $7500. I just need to know how much the insurance would be because i know that sports cars have higher insurance costs than most other cars. If anyone owns a mustang and knows how much it costs or knows where i can get a quote i would really appreciate the help! Thanks!

What's the best florida home insurance?

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""Does anyone know how much a boat would cost me for a year, that's including gas, insurance, etc.?""

Does anyone know how much a boat would cost me for a year, that's including gas, insurance, etc.?""

Average auto insurance for 25yo gemale no previous accidents?

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How to get a cheap car insurance for young driver?

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If you quit your job can you still get Cobra? Is there a time period that you need to have insurance thru your employer before you are eligible for Cobra?

Is it cheaper on insurance to have 2 people on the title?

I don't have a very good driving record, and when I had insurance under my name on my old car, I was paying almost as much as the monthly car payments. The bank I received the loan from told me that I had to have insurance under my name on the car. I'm looking to get a new car, and I know that the insurance alone would cost me a lot. If I put someone else's name (such as my father) on the title, along with mine, would I be able to get insurance under his name?""

I have geico auto insurance .I moved to another state and got cheaper insurance.Do i need to provide geico wi?

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How will this 15-20 mph speeding ticket affect my insurance?

I just turned 18 and I am a senior in high school. I live in a small area that is just between two towns. This area is known for its police; they have a tendency to give speeding tickets out like crazy. They hide in places so that they can catch people speeding; the area is generally a 30mph zone. I had a good morning and got a little foot-happy...I sped right up to a cop that hides next to my neighborhood. Needless to say, I was going 50 mph in a 30 mph zone. Without a seat belt. I was extremely honest, so I got a speeding ticket but the seat belt issue was simply a warning. This is my first ticket ever; the only other time I had been pulled over was because I forgot to turn on my headlights...I was 16 at the time. I have State Farm Insurance and have an extremely decent rate for my age. I have no issues paying the speeding ticket because I did speed...I just don't want my insurance to be crushed. I went through driver's education, State Farm's Steer Clear Program, and I have maintained my grades to ensure that I get a decent rate. What will this ticket do to my rate? And what is the best I can make out of this situation?""

Can i get insurance to cover me driving my girl friends car?

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How much would the insurance rate be for a 16 year old female?

I'm a B average student, and I'm looking to get a 2011 Kia Soul as my first car. I've gotten my learners permit and are trying to get my Driver's Liscence. Also does the color have anything to do with it? If so I want my car in green.

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I am a 20 year old female. I didn't complete high school, but I will get my GED and go to school next fall. I'm getting a car this Feb when taxes come back and I'm buying no more then a good decent $3000 car. I have a child too so I heard that helps bring the insurance down a little. Because the car will be under my name, & I am the ONLY driver in this house hold so there will be only 1 person on the insurance, how much do u think I could be paying a month??? Any guess for wage? I want full coverage but if its more then 300 a month i will go half. I've had my permit to since I was 17, no accidents. Please help.""

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My insurance ends this month so last week i just did a quote out of curiosity claiming i had a 1 years no claims bonus which i should get end of this month, which said it would be 10 cheaper. I did it last night but this time i put i had NO no claims bonus and it came up saying its 40 cheaper! I went for that one but does it matter that i havnt put in my bonus? I havnt got one yet anyway cause i needed to sort it out asap""

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I am a 19 year old male, and I own a 2011 Nissan Altima SL. I live in Baltimore City (which has the highest rates in the state) and have a speeding ticket and a not at fault accident. I carry 100/300/100 coverage with matching 250 deductibles. I also have vanishing deductible, accident, and minor violation forgiveness. I pay 172.00 per month. I thought I could save a few bucks and switch companies, however, I quoted literally every company available in MD and the lowest I found was 580 a month for the same coverages. Thats a HUGEEE difference! I am starting to wonder if something is wrong with my policy. I have had it about a year with no issues, and my not at fault claim went through smoothly. I am the sole policy holder, and no, my family is not with Nationwide either... What could cause such a difference? Any ideas?""

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Hello. Im 18 years old and im looking to buy car insurance for a Vauxhall Corsa 1.2 sxi 60 plate costing about 8000. I passed my test last year April 2010 and have not driven any car so i have no NCB. Where can i get cheap car insurance for around 1000-1500?

Cheap car/insurance for a young lad?

18 year old son has just passed his test. Looked at a Fiat siacento(I know thats wrong but you know what car I mean)1999/1100cc/65000miles/good nick/500,I thought bargain. Until I checked the insurance.... 3000!!! Before I start ranting about the cost of insuring a young lad(and the cost of my own insurance) can anyone tell me a cheap car that is also cheap to insure. Thanks.""

Motorcycle insurance on a 17 year old.?

i'm 17 years old and planning on gettin a sportbike. i was wonderin how much full coverage cost for a suzuki gsr 600.

Can a parent cover insurance on a student's car?

The car I drive is currently registered in my father's name. It is covered by an automobile accident insurance policy paid for by my parents, along with their cars. I have been making payments on the car, and it will soon be paid off. If I have the car registered in my name, can my parents still cover the car in their policy, or will that be another thing I have to pay through college?""

""Im paying $1,000 every 6months for my car insurance, and im 19 years old.?""

Does anybody know of any cheap insurance companies that I can get a quote from? I really REALLY need to find a different company, because I cant afford that much. Please help! (I live in California if that helps)""

Health Insurance for a newly married healthy couple ?

Amongst the following companies which offers Good and Hassle free Health Insurance for a newly married healthy couple sum assured around 5 lakhs per annum. Apollo DKV Bajaj Allianz Cholamandalam HDFC Ergo ICICI Lambord Iffco-Tokio National Insurance New India Insurance Oriental Insurance Reliance Health Royal Sundaram Star Health Tata AIG United India Insurance. Reply with confidance with suitable reason why you suggest this company. Reply immediately.

Is car insurance cheaper in Delaware the PA?

I am going to be moving from Pennsylvania to Delaware in the upcoming months. I will need to change my auto insurance and was wondering for anyone else that has made this move, is it cheaper to insure in Delaware(Wilmington) then in Pennsylvania(suburbs)?""

QUESTION ABOUT CAR INSURANCE?

i was involved in an accident a couple days ago, and it wasn't my fault, well my son was drivin my car and hes not in mygo inicy, he got his own car his own insurance and everything , anyways, so i called the insurance and they said they were goin' to call the other person whom my crashed with, later my insurance called me tellin' me that my car won't be fix because the other person insurance has expired??? and because my son was drivin my car, they also told me that because my son its not in my policy?? i told them But My car has full coverage??....Why Wouldn't they fix my car??..can i get a lawyer for this??""

NY car insurance question for a new driver?

Okay, I've had my permit for like a year because I didn't have a car to care if I had a license or not. Now that I'm getting a car. I was wondering how about how much insurance would cost. I have to wait a couple weeks from the car insurance place so please no get a quote I just want an approximate estimate of about how much it would cost. I don't have drivers ed or anything. Just a license at 17 on my parents insurance. I would have my own car but it'd be on their insurance so that's 3 cars on 1 insurer. The car I am going to get is a 84' Volvo wagon. Please just a month average price of how much more my parents insurance would go up. ( like they pay 100 and it'd be 250/mo. So i pay 150 a month.) something like that. I just want to know if my job will cover my own difference Thankyou.""

Why do we NEED car insurance?!?

Why is it the LAW that we have car insurance?? I honestly think it's stupid. Shouldn't we, as free Americans, be able to make the choice of whether or not we want insurance, and still legally drive a vehicle, as long as we have a license, at our own risk? Kind of like if you go skiing or snowboarding, you go at your own risk, you're not forced to get skiing insurance , or boarding insurance , or anything like that. I mean, think of this situation: I have no insurance, and I wreck into somebody. They have insurance, so they are covered. I don't, so I will either have to get rid of my car, or pay for repairs myself; that's the risk I took and this is how I'm paying for it, by being car less or spending tons of money on repairs. But why must we be forced by law to have it, or NO DRIVING FOR YOU says big ole' government?? This is angering me because I'm currently in college, without a car, and while I can walk to my work and school, it's still about 30-45 minutes each way to walk, and if I could get an old car for cheap, it would make my life MUCH easier and less of a hassle.""

Cancelling car insurance?

if i decided to cancel my car insurance and go elsewhere would i have to pay a cancellation fee? if so how much is this likely to be? im with m&s (underwritten by bisl). also will my previous ncd be void because i wont have completed this current year due to cancelling early?

Best way to save money on car insurance?

I'm 16 now, and I'm planning on learning to drive a car. I heard that if you have a driver license at 16 years old but you DON'T buy a car, which means you don't buy a car or drive a car or anything like that for 3 or 4 years, your car insurance will be deducted. So I have a couple of questions: 1. Is the statement above correct for California? 2. If #1 is wrong, then if I buy a car but don't drive it, will the money still be deducted after 3 or 4 years? 2. Is there any other ways to lower money spending on car insurance? 3. I also heard that you can combine your driver license with one of family members, but the money will be raised up a little bit. Is this true? And how can I combine my license to other family member?""

Insurance or out-of-pocket?

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

Few questions on cars and insurance UK ONLY?

i live in the uk and im 16 but 17 soon after my tests and things i want to buy a renualt clio 1.2 and the insurance group is 3E. now is this a high insurance group for a 17 year old as a first car? also if you buy a car and put a body kit on it your insurance goes up. so if i bought a car put a body kit on it and then insured it would it be as much or will it still go up?

Can i go onto my Dads car insurance and get my own car aswell?

What the title says. Can i go onto my dads car insurance and drive my own car, instead of driving my dads?""

Do insurance rates vary on the type or model of car?

Do insurance rates vary on the type or model of car?

Short term or long term disability insurance?

Which company offers the best short term or long term disability insurance? (price and coverage) I recently found out that I might get blind in future and need to have some income to support my family when I loose the job. I am having trouble understanding the system but would be great if anyone could help me out. I don't even know if these insurance thing can pay me with being blind. Thanks.

How much would the insurance rate be for a 16 year old female?

I'm a B average student, and I'm looking to get a 2011 Kia Soul as my first car. I've gotten my learners permit and are trying to get my Driver's Liscence. Also does the color have anything to do with it? If so I want my car in green.

Affordable Student Health Insurance if I can't be on my parent's plan?

My parents are Japanese citizens in living in Japan and the insurance I currently am in with them obviously won't cover me in the U.S. I am going to be a college freshman and wonder if anyone knows any affordable student health insurance plans/companies. The plan provided at my school is a bit pricey and needs me to pay it all at once in the beginning which I can't do. Any affordable and numerous-payment-planned insurances?

Which is the best insurance company for an 18 year old male driver?

Hey, I'm an 18 year old boy (hurdle #1) and live in South-East London (hurdle #2) and I've had my license for a month now (hurdle #3!) and just bought my VW Polo 999cc (999cc!!)..I CANNOT for the life of me find a decent insurance quote I mean i'm in full-time employment but still most of the quotes I've been given are more than half my annual salary! Public transport is NOT an option because of the shifts I've been given..I've tried the young drivers' insurance with people like Co-Op and InsureTheBox but they're not much different to anyone else.. So, if ANYONE has ANY advice/anecdotes they could share, I'd really appreciate it. Thanks in advance (:""

Insurance???????????

I hit a deer and did a little damage to my car. I reported it to insurance company and brought the car to shop for an estimate. they gave me a quote of $1500. I have a $500 deductible so i dropped the car off to get fixed the next day i got a check from the insurance company. Is this my money the check is made payable to me. I don't get it

How would a Universal health care public option put private health insurance out of business ?

How would a Universal health care public option put private health insurance out of business ?

Any recommendations for affordable health insurance in Georgia?

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

Car insurance question?

Hey and thanks in advance! My car is in my ex name 100% on the loan and the car insurance, but i make the payments to my ex as they take the money from my ex bank account. Im not even on the car as a second driver. Well now my ex wants the insurance in my name, would i be able to obtain insurance in my name (full coverage) for the car without the car being in my name, if i was to show them me and my ex personal contract. and lets say the insurance people is fine with it, would the bank where my ex took out the loan be ok with full coverage in my name over the car? please, this was a lessoned learn and now i need help on how this can be done, my ex no longer want his name on the insurance.""

Affordable full coverage auto insurance?

Where can I get affordable full coverage auto insurance in Delaware with a scetchy driving record?

Need to find cheap but good minibus insurance. Can anyone help?

Need to find cheap but good minibus insurance. Can anyone help?

What are some affordable/cheap community colleges in the USA for international students?

Hi, i want to study associate in business management so in which state i can find community colleges with low fees or which are the affordable and cheapest community college in USA for study? Thanks""

What is the minimum automobile insurance required in the state of california?

What kind o risk is being managed when someone takes out a life insurance?

Car insurance cost... roughly?

I am 15 and planning on getting my dads 1971 Plymouth duster as my first car when I'm 16, what would the yearly cost be?""

Medical/health Insurance for H1b and H4 visa holder?

What is the best medical/health insurance ?Is dental,vision and pre natal included? What are HMO/PPO plan?What do i need to know about it? need some input. pls suggest. thanks =)""

How much is car insurance for a car with an antique tag?

Im thinking of buying an antique car but im not even quite sure how the insurance and registration works. I live in florida im not sure if it varies per state.

Affordable health insurance in NYC?

Hi, I am 30 years old and my wife and I had a combined income of approx $62,000 for 2006. In august of this year I will be quitting my full time job and going back to school full time. My current salary is $50,000. I anticipate making no more than $20,000 while in school and not being able to get health insurance through work. My income for 2007 will screw up my chances of getting most federal aid for the first year and will probably exclude me from healthy NY as well. Insurance through school is about $600 a month. I've gotten quotes of $513 to $1200 a month for my wife and I. All I want is catastrophic coverage in case either of us have any major problems or I have an accident while riding my motorcycle (a means of transportation, not a toy). These online quotes are driving me crazy. Where is the best place for me to look for something that will cover these specific conditions and how much should I expect to pay? Thanks in advance!!""

Why is car insurance quote from tesco 550 whereas competitors quote over 1000 ?

i went through swinton, axa ,norwich union, high performance, churchil, and a couple others. they did not even come close...is this possible? i am a bit suspicious, if that tesco quote is reliable, but they say when i call that i can complete the whole process online and i do enter the same detail as on other websites.""

Does high mileage cars have lower or higger car insurance?

Does high mileage cars have lower or higger car insurance?

Is there a way to get cheap car insurance at 16?

So I'm 16 and Ive had my restricted for over a year now but me nor my parents can afford a car or insurance right now. So i was thinking if i drove my moms car is there a way to get insurance cheap. Can i stay under my moms insurance? Is there a way to lie to the insurance company so that i can get it at an adult cost or at a cheaper cost? Anything? Thank you.

Need a group for medical insurance?

Employer offers very skimpy medical insurance. Individual (i.e., non-group) insurance is very expensive. I have heard that groups have been formed so that members will qualify for group rates. Please tell which groups these are, and what you know about them. Many thanks.""

How much is liability insurance?

I am going to be a new driver soon and I will be driving a 4x4 dodge single cab truck and I live in missouri and was wondering how much liabillity insurance would cost per month? Thanks!

Are Virginia car insurance rates cheaper than Maryland's?

I live in the DC area and I'm trying to figure out the pros and cons of living in the Virginia or Maryland suburbs. I heard a rumor that if I move to Maryland, my insurance company will jack up the rates. Does that sound right? Why would the rates be higher just because I cross the state line?""

Can I change my car insurance before the year is up?

I have found a cheaper quote but my insurance doesn't run out until next year

Where can I get health insurance?

I have a disability (hearing loss), and I don't have a job, so I am not working. I want to get a hearing evaluation at University of Washington (where I live) but I need health insurance. Otherwise it will cost me 900 dollars which, I don't have. What can I do?""

How much extra is car insurance if you have points on your licence from speeding?

Is it worth attending the speed awareness course or does this not matter to the insurance companies.

Car insurance vs the law?

If I was driving at 100 mph in my car and a police officer caught me on radar and i started to pull over and then lost control and flipped and totaled the car would my insurance still cover it? I have the fullest of full coverage also, if I was still making payments and the car got impounded would the car be repossessed FROM the cops? thanks""

Collingwood or Quinn Direct car insurance?

I'm 17 and I'm getting a car soon and I've been looking on the internet for car insurance. Quinn Direct and Collingwood Insurance are a lot cheaper than the alternatives but that makes me wary of them. If anyone has been or is insured by one of these two could they let me know what they're like? Are there any hidden catches? Many thanks

How much would the insurance rate be for a 16 year old female?

I'm a B average student, and I'm looking to get a 2011 Kia Soul as my first car. I've gotten my learners permit and are trying to get my Driver's Liscence. Also does the color have anything to do with it? If so I want my car in green.

""Impossible to get car insurance, what should I do?""

I'm 18 soon and will be wanting to start driving but the cheapest quote i can get is 6000 etc on a 1.0 litre vauxhall corsa, There is no one i can get a policy with as my mum doesn't drive. is there any suggestions? only British people will understand this problem

Are there any schools out there that offer their teachers affordable family insurance?

My husband is a full-time teacher. I work part-time and am a grad. student. He has great insurance for himself, but I have to pay for my own separately. To add me to his plan would cost us $650.00 a month (adding 1 to 9 people is one lump sum, $650). I can barely afford what I pay on my own ($160+) and then there's the deductible... (basically my insurance doesn't end up paying for anything... it all comes out of my pocket). I guess I just always assumed that if a person had a good full-time job that family insurance would be included or affordable... It's not even an option. Seriously, who can afford $650 a month and on a teacher's salary? Is there any school out there that has a better insurance plan? We love where we are, but we can't afford to live. Is there a light at the end of the tunnel?""

Local car insurance in california?

Local car insurance in california?

I need health insurance?

i am a student in college from the ages of 18-26 looking for a affordable health insurance..

Car insurance and car note?

OK, I'm nineteen. I've been saving up for my first car. But the thing is, I have to pay insurance, and a car note on my own. My mother became homeless, and my father I do not know. My godparents took me in, and they can't afford to add me on their insurance. So, being that I have a part time job at McDonald's, and go to college, It seems as if I have no way of affording a car and insurance. I haven't checked the rates of insurance, but I do understand that they are high for teenage males, and always vary on the type of car you have. I don't want anything fancy, a four door car that gets me from A to B. Is there anyway I can afford this? Please and thanks!""

What is the best car insurance?

What is the bestt car insurance for an 18 year old?

Why does my car insurance go up when I add on an Immobilizer?

I got a quote for 610 WITHOUT an immobilizer. Just found out I do infact have an immobilizer on my car so amended the car insurance quote and it went up 20 to 630... I thought an Immobilizer would take down the price!

Why do insurance companys treat workers in the motor trade differently to any other? ie higher quotes etc?

because i work in the motor trade im unable to have the part of my insurance that allows me to drive other vehicles (such as family members) that are already insured why is this?

How much will i pay in car insurance for a used mid range priced vehicle?

i am a 20 year old single mother who lives with her parents and works full time.

Does your insurance cover your new car purchase?

Example, I have insurance on 2 cars, but I just bought a new car and I have not added the car to the policy. Does my insurance still cover the purchased veichle?""

How much will a no insurance and no registration ticket in California cost you also car is in the impound?

How much will a no insurance and no registration ticket in California cost you also car is in the impound?

How much does insurance cost for a 16 year old newly licensed driver and a car?

How much does insurance cost for a 16 year old newly licensed driver and a car?

What's the cheapest insurance i can get?

I live in NYC, i'll be 18 in feb next year and i want to know how much i would have to pay for it. I can't be under someone else's insurance. I don't even have a car yet but it probably won't be anything over 7000 and probably 1990's or early 2000's. Thanks.""

Do black males have higher insurence then white males?

Do black males have higher insurence then white males?

I need super cheap health insurance?

I need super super cheap health insurance in San Diego, California. Its for a school soccer club, so I don't care what kind... I just need outside insurance and quick... and SUPER cheap!! Any suggestions?""

How would one categorize those who will not have health insurance after Obamacare officially starts?

Considering that it will be law that everyone must have health insurance. What of those who will not have insurance and did not for whatever reason sign up for the government plan? How will Obamacare address them?

How much will my auto insurance go up(rough idea) if I get a job where I would use my car?

Just curious what range it might fall in. My premium with state farm is very low, about $70 a month with full coverage on a 1994 3000GT. Milage would be like 125 a day.""

Does California state law not allow insurance companies to increase rates for $750 or less claims?

I heard California Sate law prohibits insurance companies from raising your rates if you have a total accident claim of $750 (not to include deductible amount)? Is this true?

How much does the home owners insurance cost in south florida coral springs?

i am thinking of buying a single familyhome in coral springs zip code 33063 how much does the home owners insurance cost in south florida coral springs area 

Examples of car insurance for 17 year old male in florida?

I'm 17, turning 18 soon and was wondering what some typical examples of car insurance are for others in my place. I know there are many factors, but I just want an example. Also, what are some major factors that lower car insurance? How much will the insurance change from 17 to 18?""

Car Insurance - No claims bonus-?

As I understand it no claims bonuses can be retained for a maximum 2 years after expiration of last insurance. Its approaching two years since I owned a car and had insurance for it. My father added me to his own policy to be able to drive his car , does this mean I will be allowed to keep my no claims bonus when I eventually get my own car and insurance again ?? I dont want to lose my 8 years no claims. Many thanks in advance to all answerers :)""

What is the annual premium for a house?

Cud u help me on my maths homework What is the aunnual premium for a house valued at 65000, if the insurance is 3 per 1000 of house value? Thanks""

Whats the cheapest car insurance?

Whats the cheapest car insurance?

Need good car insurance in new jer sey -?

i recenlty moved form california to new jersey. i was holding my car insurance with 21 st century ,that was earlier called AIG . i needed a better insurance in new jersey with reasonable rates. i see the rats are pretty high in nj , from what i looked at,.please adivse some better car insurances companies""

Is insurance required in north carolina?

if one had a car registered in georgia, he decided to pass through NORTH CAROLINA, the insurance expired, he gets pulled over. WHAT WOULD HAPPEN?""

How much would the insurance rate be for a 16 year old female?

I'm a B average student, and I'm looking to get a 2011 Kia Soul as my first car. I've gotten my learners permit and are trying to get my Driver's Liscence. Also does the color have anything to do with it? If so I want my car in green.

https://www.linkedin.com/pulse/car-insurance-total-loss-bernharda-mulder"

[beardedwinnerobject-blog]

What is the cheapest health insurance I can get?

"What is the cheapest health insurance I can get?

I'm a healthy single person with no preexisting conditions living in Washington State and am tired of paying $430/mo for COBRA. My acceptable range is $50 - $150/mo and only want it as hedge against risk of major injury. I may be travelling overseas for 3-6 months this winter and I'm wondering if: 1. I should choose something like LifeWise with 10k deductible for 3 months, just short term then let it cancel, then get different travel insurance thereafter? 2. Choose a company that does both domestic US and overseas travel coverage? 3. Let COBRA expire and just risk it? Do you have any recommendations? Know of any especially affordable deals that match this?

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

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I'm 21 & I currently have insurance with the car lot I purchased my car from. What are good full coverage but affordable insurances?

I have a friend who say he knows a guy who works for a car insurance company and can guarantee cheaper quotes?

Does this sound normal for staff to be able to do this as I have had a similar offer from someone else a while ago. I am just worried that they may set up a policy but when I go to make a claim its not a real policy or something. Please note it is a significant discount as well and he can also get me quotes on cars I wouln't otherwise get insured on as a normal customer All sounds a bit to good to be true!

How much is a no insurance ticket in illinois?

I've been trying to look this up, can't find jack **** on it.. How much is it?""

Car insurance in massachusetts?

how much does it cost??? i hav a project where i have to buy car insurance for a Mercedes Benz 2010 C300 Sport Sedan...... help.......??

Here are my plans when i turn 16 can i do it?

ok to make it real short i am going to turn 16 here in about 2 months here and there is this car ive wanted ever since i came out of my moms woumb lol. Literally this car is my all time dream car. They are not the most ammount of money in the world they are about 10-15k and i was wondering if id be able to pay payments each month when i have a job if i cant would i be able to give my mom/dad the money and they pay the insurence and payments. And also my dad i going to give me around 4k to put on a down payment. Please give me ways i can do it cuz i literally need this car its a dream of mine

Car insurance?

Can you own a car and be covered legally in under your parents insurance? My wife and I purchased a car from her father and I want the title, but we are able to pay really cheap insurance through them...I don't want to lose that...can we have the title put in our name, but still have insurance through them?""

What is the cheapest health insurance I can get?

I'm a healthy single person with no preexisting conditions living in Washington State and am tired of paying $430/mo for COBRA. My acceptable range is $50 - $150/mo and only want it as hedge against risk of major injury. I may be travelling overseas for 3-6 months this winter and I'm wondering if: 1. I should choose something like LifeWise with 10k deductible for 3 months, just short term then let it cancel, then get different travel insurance thereafter? 2. Choose a company that does both domestic US and overseas travel coverage? 3. Let COBRA expire and just risk it? Do you have any recommendations? Know of any especially affordable deals that match this?

Whats the average cost of health insurance(+dental)?

I'm 19, female, never had any health problems, and married(dunno if any of that matters haa.) I'll be getting my own plan for the first time, I'm just wondering whats the average cost, what are some good providers to use that aren't too expensive, and does health insurance come with dental or is that a separate thing? Thanks!""

Health Insurance - Early Retirees?

Does anyone buy their own health insurance? What is the rate usually for a 62 yr old individual plan? I have gotten 227/mo to as high as 969/mo. How to know if its a scam, too good to be true or a rip off? Thanks for helping. Is Aetna real? I rec'd calls from a broker underwriting with Aetna and worry that those prices of 227/mo were so affordable it must be a scam right? I would love to know what a normal price per month for health insurance is, with no employer involved, however earns too much to qualify for affordable coverage. This is NYS if that matters.""

When a car is wrecked and the insurance people come to look at it.... ?

what value do they compare damage to in order to decide if it is a total loss.. for example, do they look at what the kelly blue book is on trade value?? or on the private party value (how much i can sell it for)??""

How much does it cost to replace the windshield on a 2003 Chevy Tracker?

I think my windshield need to be replaced, a small crack is spreading, I think its 20 in now, is it repairable or do I have to replace it? how much does it cost to replace it. If I do it through my insurance, will this change my premium? Thank you (I'm broke, if any one know a cheap place in Austin,TX to replace it, I would really appreciate it)""

How much is insurance for starting a cleaning service in California?

How much is insurance for starting a cleaning service in California?

Would a 1972 Monte Carlo be expensive to insure?

Someone said it may be expensive to insure this kind of car. Could he be referring to just this one particular car or all muscle cars from the early 70's? keep in mind i am 18 years old if that makes any difference.

About how much will basic insurance cost for a 30 year old male once the new Insurance system is in place?

right now I can't afford insurance but will be required to buy it anyway starting in 2014, I am curious as to how much it will be. As I understand it, it will be basically figured at three different levels of service and three different rates depending on your age and the coverage you want. so for a 30 year old male who wants basic coverage how much would I expect to pay? just ball park. like $200 to $300 per month? more then that less then that? this question has been deleted over and over again I don't understand why.""

Motorcycle insurance is so expensive?

Basically I'll be doing my cbt test this Wednesday so I can ride my 125cc supermoto which I use for dirt biking. Checked insurance on my Yamaha WR125X and it's 1400 for comprehensive, da fk is this? After seeing that I was physically sick. So I thought I'll just check on the most cheapest moped and it's 700 which is still expensive.. How the fk do these kids I see with mini coopers afford insurance and all I wAnt is to ride a small 2 wheel sht face. I'm 18, 19 this march, work full time. Can I find it any cheaper anywhere? Should I go for third party insurance? I just hate my life""

""Car insurance, advice and help!?""

Im 16. Ive done a bit of research and it looks expensive, so im going to try to be put on my parents plan. I know it depends on their plan and everything, but im just looking for an approximation per month or per 6 months or per year. They have pretty good coverage if that helps, and my dads on geico and my moms on progressive i beleive. i live in miami if thats useful, and i will only use one car if that would make the insurance cheaper (its in their name). Any bit of advice to make it cheaper or any tips would be extremely appreciated. If i could get somewhere around 500 per 6 months that would be ideal. Thanks u guys""

Does being a cyclist affect health insurance rates? How so?

A cyclist might be more at risk to injury in accidents because they're on a bicycle instead of inside a car, but cyclists are probably generally healthier.""

Insurance regulations?

does the commissioner of insurance have the authority to govern foreign producers/ foreign companies. these are business entities that sell insurance in there state but there home office is in another?

I want to insure my car for only 4 months?

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

Are there any North Carolina Health Insurance Agents here?

I need to find an agent or a website that sells other carriers besides bcbsnc...those guys are outrageous!

Car insurance for students at uni?

Im going to uni in september and my car insurance is also up for renewal, i will be leaving the car at home while away but will want to use it over holiday periods and the occasional weekend. Does anyone know of cheap companies who offer insurance for short periods of time while its driven?""

Can you buy/insure a car without a drivers license?

My bf and I are buying another car in November, which will be for my use when I get my full license (I currently only have my G1.) I would like to have it registered and insured in my name. Am I able to do this when I get the car or do I have to put it in his name and change it over when I get my full license? I live in Ontario. Thanks in advance.""

Is there a program or something for people who work as temps to get insurance?

I have not had medical insurance and would love to have coverage, but working as a temp none is offered and it can be very exspensive, anyone know what I can do to get affordable insurance!!!""

Do you need insurance for a driver's permit?

I'm hearing different things from all different places and rather than sifting through all of the crap at the dmvedu website I thought I'd ask you guys and get a straight answer. Do I need insurance to get my permit, or just for my liscense? I live in California, by the way, if that makes any difference with the law.""

Breakdown Insurance less than 12 months?

Hi, does anyone know if it's possible to get car breakdown cover for less than 12 months? All i ever see on advertisements and online is quotes for 12 months cover but i am planning on leaving the UK for a bit after 6 months so that's all i require. Before i contact insurance companies can someone tell me if this is normal or an irregular request? Cheers!""

Does an insurance consultant in Massachusetts need to be licensed?

It is corporate insurance, not personal.""

Car insurance ireland?

hi there does any 1 know of any insurance companys in southern ireland who specalise in people who have been banned for drink driving

HOW come insurance co?

how come insurance co discraminate against people who have mental disease? I have tried in the past to get private insurance but because i have been treated for depression in the past, I have been denied by several companies. Now only I qualify for the State insurance, and it is way over-priced and hardly covers anything. This isn't fair to those of us that are self-employed. How are we able to get affordable insurance, if we are discraminated against.""

How much would insurance be for a 2008 Honda CBR 125cc?

I'm only a 16 year old, 5'3 115 pound girl... I've got my g1, my driving course and I'm more than willing to take the motorcycle course. I'm looking at buying a 2008 Honda CBR 125cc. I'm wondering ON AVERAGE what I'll be paying for insurance? Thanks in advance! Oh and I'm in Sudbury, Ontario. I'll only be doing about 20-30km a day, if that makes a difference""

How much will my ticket be? I'm a little nervous to see since he gave me 4 months to pay it..?

I got in a wreck about 2 weeks ago. I wasn't at fault but because I had no insurance I got my car taken anyway. It's out of impound now, they didn't hold my tags, and I now have insurance and a nice size scratch/dent going from my front fender to my back door. So now all that's left is the ticket that he gave me for driving a vehicle with no insurance. How much will the ticket cost? And does it cost more because the vehicle was in an accident?""

Why is my auto insurance so high?

I'm currently buying a 2013 Subaru Impreza Sport Limited, but my insurance quotes are averaging over $600 a month. I'm 19, male, and have two speeding tickets, and I have friends that are paying under $100 a month. Why would it be so high for me?""

Cheap car insurance/ first car whats been ur best quote?

hi im all most finished my driving lessons and wondering about the insurance ect i dont wanna spend hours on compere or that putting in details , but wondering if there r any first time drivers out there and give me there thoughts on how i would get a cheap car and cheap insurance Category""

What is the cheapest health insurance I can get?

I'm a healthy single person with no preexisting conditions living in Washington State and am tired of paying $430/mo for COBRA. My acceptable range is $50 - $150/mo and only want it as hedge against risk of major injury. I may be travelling overseas for 3-6 months this winter and I'm wondering if: 1. I should choose something like LifeWise with 10k deductible for 3 months, just short term then let it cancel, then get different travel insurance thereafter? 2. Choose a company that does both domestic US and overseas travel coverage? 3. Let COBRA expire and just risk it? Do you have any recommendations? Know of any especially affordable deals that match this?

What is the insurance company here in Los Angeles?

That has hospital, prescription,medical of any kind , office visits,ambulances, dental, with a deductable and monthy premiums that are not too high.""

Car insurance confusion?

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

Is progressive car insurance cheap?

I had State Farm but they terminated my insurace because of to many tickets, i herd Progressive was cheap, what do you think? I am 19 by the way""

Who is the most dependable Motorcycle insurances and the cheapest?

What all do I really needfar as coverage..I have good medical already...what's the minimum coverage? I have a new HD fatboy 2006 with the 1689 cc with custom pipes. I just wantthe basic coverage. How much is a good premium?

What car has the CHEAPEST car insurance for a 16 yr old?

What car? make? model? yr? Insurance company?

Can i have the Title of the car in my name with another person's insurance?

Can i have the Title of the car in my name with another person's insurance? Example: Could i have title of the car in my name but use my Parents insurance??

How to get Insurance on a permit and without owing a car?

how to get Insurance on a permit and without owing a car and 25 years old in north Carolina

""Is it legal to drive in California without insurance? (insurance on the person, not the car)?""

Hi, my car is insured, but I just got my license today and I am not insured. The car is under my parents' name and my dad told me it was legal to drive without insurance... but I am unsure of whether this is true or not. Can someone please clarify? Thanks in advance, Liz.""

Insurance price for a 16 year old?

I'm 16 live in Minnesota and i want to get a car maybe around $5000 just wanted to know how much a month it would cost for insurance with and without my parents

Affordable term life insurance quote?

What good is affordable term life insurance?

Which auto insurance company offers non-owner's insurance?

Which auto insurance company offers non-owner's insurance?

How much will a 21 year old pay for car insurance?

I am 21 years old and kinda new to america. i wanna get a car. how much do you think i will be paying for the insurance. i am experienced driver. any info. would be helpful. thank you

""Car insurance, i only drive for 3 months or so? any options?""

I currently have a BMW m3, i will be moving to new york city where it makes no sense to have the car, but i love the car and intend on keeping it locked in my parents garage and covered for the majority of the winter. during the summer months it will be down at there vacation house but again, it will only be driven by me maybe twice a month and for two weeks one month. the only other time i could see me using it would be every once in a while when i visit home to go to the store and back, literally like 5 other days out of the year. is there any insurance for this? i have a loan on the car, but it's used and old and in pristine condition so i'd rather keep it, i have considered selling it. soo what options would i have? i also go to school in another state from wher the car is stored.""

Whats the average cost a month for car insurance in california for an 18 year old?

Whats the average cost a month for car insurance in california for an 18 year old?

Do I need Insurance on a financed motorcycle in Florida?

I have a motorcycle that is financed and I live in Florida. I am financed through HSBC. Is it mandatory that I have to have insurance on the motorcycle?

Can I get liability insurance on a 2005 mazda tribute or will I have to get full coverage?

Can I get liability insurance on a 2005 mazda tribute or will I have to get full coverage?

How does the age of a car factor into the cost of car insurance?

Obviously there is more than one factor that influences the cost of car insurance. I know that when a car is newer, it usually costs more to insure than a car that is older. For example, a 2009 Chevy Impala is more expensive to insure than a 1983 VW. But, suppose I bought a vehicle like a 1957 Lincoln, 1955 GMC, or a 1956 Plymouth (or some other car from that time period)? If it wasnt something that people easily recognize like more popular cars from that time period, would it cost less to insure? (They arent as recognizable or popular, in the sense that if one was driving a 1957 Chevy, or a 1959 Cadillac or a Thunderbird, most people would instantly know what it was, but if I drove a 1957 Lincoln or a 1955 GMC, most people wouldnt immediately know what it was.)""

What's the cheapest way to get auto insurance?

My brother is planning on purchasing a 2000 dodge dakota. He is 18 and has never been insure. He is a new driver. Our parents do not have insurance.

What can I do about car insurance from another state? PLEASE HELP!?

Okay basically here's the story. I'm 19, I live with my parents in Wisconsin but I'm trying to move back to Pennsylvania with my aunt and uncle. However I'm not in school at the moment. Apparently if I moved to PA, I'd have to pay 278 dollars more a month through Geico because I'd be living in a different state. I already have a job set up there and all so they could obviously see my paycheck is not from Wisconsin so I can't just lie or something lol. I really know nothing about insurance and how I can work this out without paying that much more. Can anyone help me with other options I could have?""

""Young driver insurance, should I get a tracker on my car?""

hi, I am 18, male and have my test in 2 days, I have been looking at cars and insurance but no one will even give me a quote on normal insurance. I have found a 1.0l lupo 51 plate and got a quote for 3400 with the tracker thing that records speeds, acceleration, breaking and that? just wondering should i do that or what? I don't want to be limited too much and feel im being watched. Anyway, does anyone know any companies that will even give me a quote? I know its not going to be cheap because of my age and sex but a price would be nice without that annoying box thing or should I just take the tracker insurance? Thanks in advance""

Car insurance Policys?

Hi there people i need help with this badly i had car insurance on my car for the last 6 months but sadly i had a crash in my car and is no longer drivable, i rang up my insurance company 2 change the policy and there tellin me that if i want 2 insure with them i need 2 get my self a 4 grand car does that seem right??""

""How much does homeowners insurance cost for a 250,000 house?""

How much does homeowners insurance cost for a 250,000 house?""

How much of a difference per month for car insurance is there between a sports car and a regular car?

How much of a difference per month for car insurance is there between a sports car and a regular car?

Combine medicare with private insurance?

I have Anthem Blue Cross and expect to keep it after age 65. I believe Medicare has 4 parts, A thru D. Which parts should I get through existing private insurance and which parts thru Medicare? If I delay getting Medicare, later the costs will go up . How much up and which parts?""

I do not have auto insurance and my license is suspended (child support). I live in California?

Is the other driver still responsible to pay for damages to my car? He has insurance. What do I do first? Thank you for your help

What is the cheapest health insurance I can get?

I'm a healthy single person with no preexisting conditions living in Washington State and am tired of paying $430/mo for COBRA. My acceptable range is $50 - $150/mo and only want it as hedge against risk of major injury. I may be travelling overseas for 3-6 months this winter and I'm wondering if: 1. I should choose something like LifeWise with 10k deductible for 3 months, just short term then let it cancel, then get different travel insurance thereafter? 2. Choose a company that does both domestic US and overseas travel coverage? 3. Let COBRA expire and just risk it? Do you have any recommendations? Know of any especially affordable deals that match this?

What is the difference between term and whole life insurance?

What is the difference between term and whole life insurance? When is it better to use one versus the other?

My auto insurance is almost $400?!?

Ok, I am a 21 year old female and I just bought MY first car. I got a 2012 Ford Focus. I've had 2 speeding tickets since I got my license years ago. Well once we got the car I got my own insurance as well. The lady told me it would be $380 a month for my insurance?! That's more than my car payment. I'm having a feeling that this is a little outrageous and I need some opinions on this. Thanks!""

""How much do you think will be the house insurance with 11,000 sqf land and 1,700 sq ft 3 bed 2b in California?

I need answer with resource. Thanks

Really pissed with car insurances?

when you have a accident and it is you fault and you only have basic insurance but STILL you have to pay the damage of the vehicle you hit so why do we pay for car insurance if we still have to pay more? is like if i'm paying to fix the other car and still paying the regular price to my insurance. are they stealing? or why the government let them do that?

Do I need my car to put insurance on it?

My car got impounded last night and I need to register the car in my name in order to put insurance on it, Im going to the DMV Monday morning to register it then head over to put insurance on it but need help on knowing whether I do need my car with me. Do i need My Car to register it and put basic cheap insurance on it too? Please let me know. My state is California. & i do have a valid driver license too. Thank you :)""

Can u keep a car in a garage without it having insurance?

I'm getting a car this weekend. It is taxed but I won't be able to afford the insurance stright away, what can I do??? I'm 18 and haven't passed my driving test yet. Any help welcome, thanks""

Can I get insured for a Volkswagen Golf GTI? (i'm 18)?

Hi! I wanted to buy the new golf gti, and I was wondering how much insurance would cost. What do you think will be cheaper, insuring the golf, or importing a car from another country (i won't have to buy it- i'll just take one of my parents' cars. Please don't say you won't be able to afford it etc. Trust me, I can afford it. Full stop.""

Will My Car Insurance Go Up?

I was Driving down a road going about 35-40 mph. ( Speed Limit was 45 mph ) I was going straight, and this woman coming the opposite direction decides to turn into a cut out, that goes into a shopping center, and as she turns in to the cut out she just keeps going, out into the street I slam as hard as I could, on my brakes but I still hit her, I hit her on the passengers side in between the 2 doors. There were 2 witnesses that I have never seen before in my life that witnessed it. I have back, and neck problems had someone call an ambulance because the pain was a lot worse. They took a CT SCAN and said nothing was wrong. My Neck and back is still hurting me a lot more, from the accident, I have too wear a sling on my left arm / shoulder because of the force of the seat belt. My nose is swollen do to the impact of the air bags, also affected my neck, and head pain. I have marks on my right arm, and stomach from this. Now the air bag deployed in my truck, and all of the air bags deployed in her car. My Truck looks like it will probably be totaled the bumper is ruined, the hood is ruined, the headlight is broken, The door I had to practically pry open because it was stuck, Smoke started coming out of the truck headlight broken Paint, I think the radiator broke, etc.... etc... Both Vehicles had to be towed away. I have good insurance on our cars, but since this isn't my fault the other woman's insurance will have to pay my medical bills, and to fix my truck, or give me blue book value on it right? I am 20 years old, I live in Las Vegas, Nevada. My insurance is Allstate, and the Other Woman's insurance is allstate also. I will be getting a lawyer.""

Car insurance?

how much can it increase by having one point on your driving record?

What is the name of place where I can go to pass some test of driving and get lower prices for car insurance?

What is the name where I can go to pass some test of driving and get lower prices for car insurance? I remember smb told me if I go there and pass test they will provide me documents allowing me to decrease my insurance for car. Currently cause I just got my license and had no any experience of driving, I am paying about $780 for 6 months. How can I go down on that price?""

Would insurance consider a 6 cylinder Pontiac grand am/prix a sports car?

i want a grand am/prix as my first car but my parents cant afford sports car insurance for a brand new 16 year old driver, also what could my parents expect to pay up to on insurance. ...show more""

What is the average of a full coverage insurance for a new 2014 sedan in NJ ?

What is the average of a full coverage insurance for a new 2014 sedan in NJ ?

Can my Fiance and I get health insurance together if we aren't married yet?

Can my Fiance and I get health insurance together if we aren't married yet?

Why are my car insurance quotes so high?

I'm about to get my first car at 25, and thought I'd look at insurance quotes for a cheap little run-around to get me started. I have only just passed my test so expected quotes to be quite high, but so far haven't seen anything below 4000 for a year! I tried looking for a quote on a Renault 1996 Clio 1.2 Versailles. Thought that would be pretty cheap. From what I've heard, I should be looking around the 1k mark for a year. Any clues as to what I'm doing wrong?""

Best Affordable Health Insurance in Indiana?

My fiance is currently making about $1200 cooking full-time at a restaurant. Our rent eats up a little more than half of that. He needs to find an affordable insurance plan and he's tried at work but we've heard it's not a very good value for the $200 he'd be paying a month for it. Can anyone suggest some affordable health insurance plans? He's reasonably healthy, does not have any pre-existing conditions, but he does smoke.""

How do insurance companies determine fault?

I was in an accident. My insurance company told me I was 0% at fault and the other driver 100% at fault. The other insurance company said i was 50% at fault and the other driver was 50% at fault. what happens next? who suppose to agree with who?

First automobile accident. How much will my payments increase?

I'm 25 and have just been in my first automobile accident in which I was at fault. I hit the side of another vehicle. My car is only damaged slightly on the front bumper, while the other car's passenger side is quite dented. No one was hurt in the accident and I didn't receive a ticket. Both of us were able to drive away from the scene. I do have automobile insurance which should cover any damages to the other car, but I am concerned that this will cause my insurance payment to increase. Thoughts?""

Is my terrible credit rating going to affect my insurance premiums if I pay monthly?I?

I'm buying a new scooter in the next week or so so I can get to my new job. I've got a terrible credit rating from being over zealous with credit cards and loans. I can only afford to pay monthly for my insurance. Because of my credit rating, is there a chance I'll get turned down to pay monthly and have to pay my whole premium one go? Also, my previous insurance company has cancelled my old policy because I didn't pay the bill. I never recieved any letters or anything saying they were going to do it and as far as I was aware my money was going out as usual. Is that going to count against me as well?""

""Do you believe in having life insurance? If so, do you have life insurance?""

I have a friend who sells insurance so I wanted to ask you guys... 1.) Do you have life insurance? 2.) If not, why have you NOT purchased life insurance? 3.) If you HAVE purchased life insurance, what motivated you to purchase life insurance?""

Who makes the best affordable medical oxygen concentrator?

portable preferred

Which car insurance company is the cheapest if you have many points?

Which car insurance company is the cheapest if you have many points?

Where to go for cheap car insurance for first time driver in Miami?

Where to go for cheap car insurance for first time driver in Miami?

How much is insurance for a 2001 mercury cougar. If I am 16? (EST.)?

Hello. I am looking for my first car. I am looking at a 2001 mercury cougar not the S series just the 3 door coupe.. Now the qoute gieco gave me was $325.01 a month. I live in Minnesota and I am a 16 year old male. I don't have anything on my record at all. I was wondering if 325.01 a month sounded right because I dont think so. That's like $4,000 a year and the car only costs $5,999. Also would it be better to go on my parents insurance plan with State Farm? Or to get my own? Thank you very much for helping me with advice with this.""

My mother added her car to my insurance policy without telling me?

i jus got a letter in the mail informing me of changes made to my insurance on my car, changes i didnt make and apparently my mother did, without telling me. what should i say to her?""

Car accident with no insurance?

I'm 19, and the car I was driving was constantly breaking down. When it was completely broken for two months, I stopped paying my insurance and instead saved back money to get the car fixed. My insurance canceled during that time. When I got it fixed on Friday, I was planning on renewing my insurance Tuesday, a day I had off work. Unfortunately, Saturday morning I got into a car accident. I was turning out of my apartment entrance to get to a middle lane where I could then get onto another road, and somehow didn't see a car close enough to hit me. He t boned me in the drivers side. Somehow neither of us got hurt. My car is pretty much done and his car, while not as bad as mine, did get some split open damage. The ticket says the damage is worth 3,000. Since I had no insurance at the time, how will this get payed??? I have a court date on the 9th to discuss the fact of my no insurance...I'll have coverage by then of course, but I'd like to know what I should expect...""

What is the cheapest health insurance I can get?

I'm a healthy single person with no preexisting conditions living in Washington State and am tired of paying $430/mo for COBRA. My acceptable range is $50 - $150/mo and only want it as hedge against risk of major injury. I may be travelling overseas for 3-6 months this winter and I'm wondering if: 1. I should choose something like LifeWise with 10k deductible for 3 months, just short term then let it cancel, then get different travel insurance thereafter? 2. Choose a company that does both domestic US and overseas travel coverage? 3. Let COBRA expire and just risk it? Do you have any recommendations? Know of any especially affordable deals that match this?

https://www.linkedin.com/pulse/should-17-year-old-pay-insurance-aliza-hausauer"