Friday, December 7, 2012

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.

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.


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?

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


What personal questions will a doctor ask a pregnant teen girl at her first doctors appointment?
Q. Just wonding what you think they probrably will ask me.
So far I heard they'll ask me when my last period was, and how many sex partners i've been with.
Anything else personal their going to ask me at my first appointment?

A. They'll have you fill out a family history form, take about a million vials of blood from you at the lab, fill out insurance papers, last period, who the father is, but they didn't ask me about testing until later in my pregnancy (Personally, I refused because I'm having this child that I will love regardless of any diseases they can screen for), drug/alcohol/tobacco use, and just be honest. Nobody's mad, nobody's going to rat you out. But if you lie, it could harm your child. They'll give you a scrip for prenatals, too.





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