Q. I am hoping to embark on a one week French course in Bordeaux at the end of the month. But, most of the language schools in France require me to to get personal/civil liability insurance. What is this and isn't this included with standard travel insurance.
If not then I am not going to bother pursuing the course as this type of insurance sounds pretty expensive.
If not then I am not going to bother pursuing the course as this type of insurance sounds pretty expensive.
A. Every adult in France has to have a personal insurance, covering any damage that person could do. If you break a window your personal insurance will cover it, if you hurt someone your personal insurance will cover it. Children at school also have one, cheaper than adult insurance of course.
You standard travel insurance might not cover it all but you have to check this yourself as it depends what kind of travel insurance you have, or if any personal insurance you have at home would cover you abroad.
This has not to be a very expensive insurance but it is mandatory in France. Ask the school if they can give you the name of an insurance or two and ask them for the price. The name in French is "assurance responsabilité civile".
You standard travel insurance might not cover it all but you have to check this yourself as it depends what kind of travel insurance you have, or if any personal insurance you have at home would cover you abroad.
This has not to be a very expensive insurance but it is mandatory in France. Ask the school if they can give you the name of an insurance or two and ask them for the price. The name in French is "assurance responsabilité civile".
I have scratched the rental car during the business trip.?
Q. I am on business trip and my company pays for rental car. But no insurance (CDW) thru the rental car. My company says any vehicle that employee rents for business is covered by the corporate insurance.
Now, I have scratched the rear door very bad against construction barrier (concrete block). The corporate insurance should cover for the damage.
My question is; does it affect my own personal insurance premium? Looks like I have to fill out a claim form with my DL# and own personal insurance info, too. And I am concerned this accident will leave a record on me? and cause a higher premium on my own insurance for the next few years? although it was a rental car and the damage will be paid by my compnay's corporate insurance?
Does anyone know? Thanks.
Now, I have scratched the rear door very bad against construction barrier (concrete block). The corporate insurance should cover for the damage.
My question is; does it affect my own personal insurance premium? Looks like I have to fill out a claim form with my DL# and own personal insurance info, too. And I am concerned this accident will leave a record on me? and cause a higher premium on my own insurance for the next few years? although it was a rental car and the damage will be paid by my compnay's corporate insurance?
Does anyone know? Thanks.
A. No it won't be on your record as the company insurance will take care of this, they just need your details as you were the driver at the time of accident. They might ask you to pay the excess.
How do I report an insurance fraud?
Q. I'm in the UK if it matters. The insurance in question is personal home insurance.
A. Give your insurance agent a call - their office or the fraud department of your companies claims number should have a phone number where you can report the fraud.
In the States - most states insurance departments or attorney generals offices have a fraud hot line.
In the States - most states insurance departments or attorney generals offices have a fraud hot line.
Can you legally pay a regular employee as an independent contractor? 1099 question?
Q. I am a regular employee that pays all of my taxes...ALL of 'em.
I have a boss.
He finds the jobs.
He bids the jobs.
He makes the calls on how to build stuff (I am a marine carpenter).
He pays me, and has done so steadily for two years.
I have to have liability insurance.
If I get injured, I think I'm screwed...I have no personal insurance.
How good of a deal is he getting by paying me as an independent contractor?
And again, is this legal?
I have a boss.
He finds the jobs.
He bids the jobs.
He makes the calls on how to build stuff (I am a marine carpenter).
He pays me, and has done so steadily for two years.
I have to have liability insurance.
If I get injured, I think I'm screwed...I have no personal insurance.
How good of a deal is he getting by paying me as an independent contractor?
And again, is this legal?
A. he's saving on Social Security, medicare, federal taxes, state taxes, and biggest, and most importantly, insurance, both liability, and workers comp.
It's legal, if you can honestly be described as an independent contractor.
to check up on this, visit the posted website I'm included, and try to determine if you're an employee or a contractor.
http://www.irs.gov/businesses/small/article/0,,id=99921,00.html
It's legal, if you can honestly be described as an independent contractor.
to check up on this, visit the posted website I'm included, and try to determine if you're an employee or a contractor.
http://www.irs.gov/businesses/small/article/0,,id=99921,00.html
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