Q. I don't think my insurance company (American Insurance) offers bond and insurance for someone in my field. Also need affordable health insurance with relatively low deductible. Any suggestions would be helpful.
A. You'll need to talk with two agents. The first will be a commercial insurance agent for the business. The second will be a health insurance agent. Make sure both are able to represent several different companies.
What auto insurance company will give me a good price after lapsing insurance?
Q. I had geico and my insurance lapsed. Everyone wants so much money now since i lapsed previously. Ive tried all the major companies. Does anyvody know of a cheap insurance that i can look into? Right now everyone wants around 7-800$ for 4 cars liability. Rediculous.
A. You let your insurance lapse. That makes you high-risk and you don't get the "good price" on your insurance.
How quickly are insurance companies supposed to provide COBRA information after your insurance ends?
Q. I had active insurance until November 2010. Now, the insurance company is saying that it was actually cancelled through my husband's company in June and are requesting the monies back from doctors. However, they didn't even send out COBRA information to me until November 23. Can they do this?
A. How, exactly, did it come to be that your husband's company cancelled his insurance in June?
If the EMPLOYER cancelled the group plan, and no longer has health insurance, then there IS no cobra. Cobra is just a CONTINUATION of whatever the people still employed, have for insurance. If they have nothing, there's nothing to continue.
If the employer sends the COBRA information late, the date they mailed it, starts the clock ticking on the 60 days you have to accept or decline. So, you're within DAYS, and if you WANT to keep it, you can - the catch is, you have to RETROACTIVELY pay your premium for the insurance. There's no "free insurance". So, that would be July through January, and February's payment would be due February 1st.
Yes, they can do this. They're SUPPOSED to notify you within 45 days. Their failure to do that, gives you EXTRA TIME to decide if you want to keep it or not.
If the EMPLOYER cancelled the group plan, and no longer has health insurance, then there IS no cobra. Cobra is just a CONTINUATION of whatever the people still employed, have for insurance. If they have nothing, there's nothing to continue.
If the employer sends the COBRA information late, the date they mailed it, starts the clock ticking on the 60 days you have to accept or decline. So, you're within DAYS, and if you WANT to keep it, you can - the catch is, you have to RETROACTIVELY pay your premium for the insurance. There's no "free insurance". So, that would be July through January, and February's payment would be due February 1st.
Yes, they can do this. They're SUPPOSED to notify you within 45 days. Their failure to do that, gives you EXTRA TIME to decide if you want to keep it or not.
How can a Nationwide insurance agency discriminate aganist a breed of dog trying to obtain homeowners insuranc
Q. Nationwide insurance is discriminatory aganist pit bulls as they do not give quotes or cover homeowners for homeowners insurance if you have a pit bull. I hate bad owners that make it so hard for good owners and good pit bulls, it's absurd!!!! Are there other insurance agencies that do this wrongful act too???
A. I have to say, I support the insurance company on this one. They have to manage risk, and part of that risk the dogs people own. Unfortunately, there are quite a few really bad pit owners out there. Don't blame the insurance company, blame the irresponsible owners.
Besides, to make a comparison- a regular doc's malpractice insurance is about a fraction of what it is for a ob- have you ever wondered why there seem to be a larger number of docs getting OUT of the baby business? Used to, all gyns did OB, now, that number keeps dropping. Mostly because they can't afford to pay the insurance AND deliver babies. Are the insurance companies discrminiating against OB's?
Besides, to make a comparison- a regular doc's malpractice insurance is about a fraction of what it is for a ob- have you ever wondered why there seem to be a larger number of docs getting OUT of the baby business? Used to, all gyns did OB, now, that number keeps dropping. Mostly because they can't afford to pay the insurance AND deliver babies. Are the insurance companies discrminiating against OB's?
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