Q. I've been with the same company almost five years. My car insurance is renewed every six months, after I make the required renewal deposit. Like clockwork, I receive the new payment coupons, and temporary insurance card. However, I don't get the permanent insurance card and new policy stating the value of my vehicle, until almost a month later. Sometimes longer. Is this legal? If so, why does it take so long for the agent to issue the new policy, and how will this effect me if I ever disagree with what's in the policy?
P.S. I'm not referring to how soon the new insurance is "effective", I'm referring to how soon the new policy is "received". To my knowledge, the policy is renewed immediately for six months after I make the deposit, even though I don't have the new policy, and just the "temporary" insurance card.
There has to be some type of law that gives insurance companies a certain amount of time to send out the new policy. If anyone knows please post.
P.S. I'm not referring to how soon the new insurance is "effective", I'm referring to how soon the new policy is "received". To my knowledge, the policy is renewed immediately for six months after I make the deposit, even though I don't have the new policy, and just the "temporary" insurance card.
There has to be some type of law that gives insurance companies a certain amount of time to send out the new policy. If anyone knows please post.
A. Well for one your first payment is not a deposit. It�s a down payment or first payment, a deposit would imply that the money is being put up only to hold something or until further approval and that you have some right to a refund. With regards to insurance you have no right to any monies back from your first payment unless the policy is flat canceled, and then you would be entitled to any unearned premium less any fees from that payment.
Depending on the State in which your policy is written a carrier can have up to 90 days to send you a Policy Declaration Page and Policy but this is not normal practice with most carriers. Most will try and get those to you with-in a few days of issuance of the policy or as quickly as they can. Your situation is unusual unless like someone said, the policy might be going to your agent first and the agent then has to mail it to you, but again that�s a highly unusual practice. Check with your agent. It may just be that the carrier is slow to issue policies?
Take care!
Depending on the State in which your policy is written a carrier can have up to 90 days to send you a Policy Declaration Page and Policy but this is not normal practice with most carriers. Most will try and get those to you with-in a few days of issuance of the policy or as quickly as they can. Your situation is unusual unless like someone said, the policy might be going to your agent first and the agent then has to mail it to you, but again that�s a highly unusual practice. Check with your agent. It may just be that the carrier is slow to issue policies?
Take care!
How much will it cost to take my child to the doctor without insurance?
Q. I'm pretty sure my son has an ear infection. He's sleeping now, but I was planning on taking him to the doctor if he says his ear is still hurting after he wakes up. The trouble is, we've had weird complicated issues with our health insurance, and it looks like we won't be able to get that back until probably the first of December. We're currently looking into some form of temporary insurance until then, but today we don't have insurance. Any idea how much that might cost us?
A. We used to have a high deductible 90/10 plan, so even with insurance we paid cash for visits until we reached our deductible. As an established patients, a sick-visit ran us $90. If you are not established with a pedi, they will likely charge a higher new-patient rate (it was $140 for us, iirc). If you already have an established pedi fromwhen you did have insurance, that is probably your best bet. if you don't then call around to a few pedis in your area and ask what their private-pay charge is for a sick visit. For an ear infection you don't need to go to an ENT. A regular pediatrician is fine, or even a family practitioner.
You could also call our county health department and see if they offer a pediatric discount clinic. We have one here that operates once a week.
You could also call our county health department and see if they offer a pediatric discount clinic. We have one here that operates once a week.
How do I get car insurance over the weekend?
Q. I just bought a car and I have 3 days to get insurance on it, how can I get insurance over the weekend? Is there a place to get insurance online? or even possibly temporary insurance?
A. There are alot of insurance places open on Saturdays now!! just not long ago I got tags, insurance, and everything on a saturday!! If there is no place in your town that is open on the weekend, then I would do it online, just do a yahoo search that has " insurance (your town)" and a list of places should show up!!
Is there a cheap way to get a thyroid prescription without health insurance?
Q. My girlfriend has a thyroid disorder and doesn't have health insurance right now. She is almost out of her prescription and needs to get the medicine immediately. She can't get temporary insurance because it's a pre-existing illness. We are considering going to Urgent Care, but I don't know if there is a cheaper way to get a prescription. Does anyone know if there is any way for her to get a cheap prescription for the medicine?
A. you can buy Levothyroxine without a prescription from online drugstore
additional information http://www.fda-approved-rx.com/drugs_rx/704/Levothroid__Synthroid.htm
additional information http://www.fda-approved-rx.com/drugs_rx/704/Levothroid__Synthroid.htm
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