The cheapest car insurance I can find for a 5 year old Volvo is $177/m! Insurance |
- The cheapest car insurance I can find for a 5 year old Volvo is $177/m!
- Hypothetical: If someone is killed by a trap they set themselves, would a life insurance policy likely deny the claim?
- Children’s dental insurance question.
- Flexible health insurance?
- Paying insurance up to X amount with no more recurring payments?
- Would insurance like a list?
- Mountain Bike Travelers insurance in Mexico
- Help with travel insurance- Trip Delay?
- Is my employer's insurance even worth it?
- No crash incident
- Procedure in Foreign country
- Filing a claim years after the fact?
- Book recommendations for complete beginner
- After car accident
- After the house fire.
- Sharing insurance with Spouse who’s applying for Greencard - FL - US
- [NM] Second child on the way, High Deductible or Traditional HMO?
- Insuring someone else's vehicle and what that opens me up to liability wise
- Question about RCV on Toys after a basement flood claim
The cheapest car insurance I can find for a 5 year old Volvo is $177/m! Posted: 01 Dec 2019 04:59 PM PST Hey guys, So I just bought my first car (in the U.S.) yesterday and after getting some quotes before that were in the $125 - $135 range for the model I bought I got hit with almost $180 a month when I called them and purchased it yesterday. I'm still mad and don't understand why it's so expensive and how they could just add $50 a month from the original quote (which was expensive enough as it were) I'm 27, married and live in one of the most expensive and safe neighborhoods in Chicago. I own a condo with indoor deeded parking spot. I have no traffic violations and I've never been in a crash. I'm only going to drive a maximum of 4-5000 miles a year. How can insurance be so incredibly high? I have friends my age that aren't even paying 1/4 of what I am but they have the same insurance company as I do so I don't know what's going on. Not sure where I'm going with this but if anyone has advice or know any good, cheaper options I'm all ears! Thank you very much! [link] [comments] |
Posted: 01 Dec 2019 04:43 PM PST I guess there'd be 2 different scenarios where this could happen:
Obviously in both situations, the person didn't intend to commit suicide, but still ended up being killed by their own means. Would a life insurance policy that specifically does not cover suicide not cover either of these two scenarios? [link] [comments] |
Children’s dental insurance question. Posted: 01 Dec 2019 10:26 PM PST Are there any insurance providers that cover baby teeth ( 4 year old )? I was told my child needs a cap procedure done and it's going to cost $600 and my insurance doesn't cover baby teeth. [link] [comments] |
Posted: 01 Dec 2019 04:17 PM PST I'm leaving my current job in May 2020. After that I will be traveling and doing essentially odd jobs, though in my particular field. Some of these jobs may or may not provide me insurance, but only while I'm working there (max 3 months, probably). Is there a type of insurance that I'll be able to get covered by only during these times when I'm not covered by the jobs? Is it at all affordable? [link] [comments] |
Paying insurance up to X amount with no more recurring payments? Posted: 01 Dec 2019 05:23 PM PST California: I don't know very much about insurance but I've had a question on my mind - just want to know if something like it would be possible. Here it is: Would it be possible to have an insurance company modeled on paying a fixed amount in order for an individual to maintain insurance, instead of paying a recurring fee for life? For example, a car insurance where an individual pays up to 2x the value of his car then no longer needs to keep making payments, the insurance now has him covered for life (up to the amount of his vehicle). So paying $60,000 will keep his $30,000 car (or any other car he buys in the future up to that amount) insured with the insurance company for life. If he ever opted for a more expensive car (ie $45,000 car) in the future he would just pay the difference for a new limit ($15,000 more expensive so pays $30,000 more on top of his existing amount for a total of $90,000). I'm aware there's little incentive for such an idea since the insurance company would be gypping themselves out of potential profits. I'm Just curious if something like this is possible. [link] [comments] |
Posted: 01 Dec 2019 08:03 AM PST I got a wild hair one day and made an Excel spreadsheet with the brands/models and costs of all my smart home equipment, just to see how much money I've sunk into it. It's...a surprisingly large sum. I only have a very basic Renter's Policy (with State Farm, in CA), and I'm actually thinking I might need to increase my coverage a little, since apparently just the sum of my electronics is half my coverage. My question is, should I go ahead and document everything else of value too (furniture etc), and save it to the cloud somewhere? If there was some kind of loss, would SF use this kind of info, or would I be wasting my time? [link] [comments] |
Mountain Bike Travelers insurance in Mexico Posted: 01 Dec 2019 08:56 PM PST Hello and thanks in advance for all answers. I've searched this sub for duplicate posts with no good results. My sincere apologies if already this has already been asked here. I'm a U.S. citizen going to Mexico in a month or so and want to do some mountain biking there. I'm pretty experienced, will be riding a quality bike and will have a guide. One thing I don't have is an insurance policy that will cover me if I end up in an emergency room or any other doctors office for that matter. Searching online for coverage yields a shit ton of results...all from companies with frighteningly similar names. I can't tell what's above-boats and what's not. I need insurance that will work even if a bit expensive. And I only really need it for a day or two. Sooo...I think that's it. Thank you for reading. [link] [comments] |
Help with travel insurance- Trip Delay? Posted: 01 Dec 2019 08:01 PM PST Hi all, I recently had a flight delayed due to weather. My original flight set me to leave Point A at 7pm and land at Point B at 11pm (direct flight). The new flight has now split my original direct flight into 2 separate flights. Flight #1 takes me from Point A at 11pm to a connecting point at 130 am. Then flight 2 from connecting point at 9 am to Point B at 1130am. So overall my delay to final destination is around 12 hours. My insurance policy states
I called them to ask if I would be covered. One person said I won't be because the insurance only covers up until I depart? So since the first flight out leaves less than 6 hours after the original flight, I won't be covered. However the policy states 6 hours delay in arrival OR departure. So I called again after looking up the brochure and somebody else picked up and said that I WOULD be covered because my arrival time to my final destination is over 6 hours. Now I don't know what to think because I've had two conflicting views. Just wondering if anybody out here has experience with this? I did get a confirmation number for the guy who said I would be covered but I don't know if that is enough. Thank you in advance. [link] [comments] |
Is my employer's insurance even worth it? Posted: 01 Dec 2019 07:11 PM PST I'm an order picker in a warehouse and make $14/hr. I've been with the employer for a while, but we've been bought out by another company, so all of our insurance and benefits are changing to the new company. We recently had a meeting about the changes, but the info packets that they handed to us were for "Ancillary Benefits only" that mention everything but health insurance. It mentions Teledoc, FSA, Dental, Vision, Supplemental Life AD&D, Short and Long Term Disability, EAP, Critical Illness Coverage, Group Accident Coverage, Hospital Indemnity, etc. I will be asking HR about the medical benefits. They gave us a paper with a link to a website called Benefit First. Yet when I registered a username on that website, the first thing it gives an option for is to choose medical insurance that the employer has given us zero information about. I believe it may be Cigna. We're switching to bi-weekly pay when the insurance kicks in on January 1, 2020. I see these options for myself only: HMO Core: $59.08 bi-weekly (Estimated Annual Premium $1,536) HMO Buy-Up: $81.66 bi-weekly (Estimated Annual Premium $2,123) Choice Buy-Up: $125.96 bi-weekly (Estimated Annual Premium $3,275) It looks like deductibles on average for a lot of these plans are pushing $4000 to $5,000 minimum. We were told that with the various plans, there is no health check for any pre-existing issues if we sign up immediately. . My health history: I've felt awful since I was an early teenager. High school was terrible to get through and my energy has been low for a lot of my life. I'm 37 years old, in physically good shape and my biggest issue has been exhaustion for most of my life. At 36 years old, I was diagnosed with mild obstructive sleep apnea. I'm on CPAP, my numbers look amazing and I have basically learned to treat myself doing the same things that doctors would tell me to do. Something else is going on with me health-wise. I still feel like I'm having heart palpitations/flutters. I have no energy even after 10-12 hours of what feels like good sleep. I have previously had my thyroid checked twice by two different doctors and it was fine. I have had a host of blood work in the past. Nothing was off. I'm a little scared that I might have some kind of pulmonary or heart issue going on. Some days I feel like I'm breathing a little shallow during the day and if I lean back in a chair and relax, sometimes it is like I "don't feel like breathing" or somehow temporarily forget to breathe a little. I may eventually try to get checked for Narcolepsy. Maybe something is just low and we didn't test it. I just don't want to get up most mornings and I'm not alert enough to drive, so I don't. I think it is something else other than the obstructive sleep apnea. I have never been overweight and I am one of the most unlikely candidates for sleep apnea, as well. Most people look at me and think I'm 22 years old. With concerns that I could possibly have heart trouble (potentially a side-effect from untreated sleep apnea for 2+ decades) because I get such weird feelings in my chest sometimes, I have pondered signing up for the Critical Illness Coverage (Cigna) for $8.72 bi-weekly. It pays once, but for some conditions will continue to pay a lump sum benefit if you are later diagnosed with the same illness or one of the other covered illnesses. That's a $20,000 benefit with no questions asked if I have some kind of pulmonary/heart issue. Since there is no condition that they won't cover if we sign up immediately, I've pondered getting some of my medical work done ahead of time in December. If it turns out that I have something major going on, I would sign up for the Critical Illness Coverage beginning next year to cover. it. Would it be worth it in any way to sign up for the medical insurance with such a high deductible and premiums? Specifically, I have these questions: Do most insurance companies allow you to sign up for Critical Illness Coverage without also signing up for the health insurance? There is a Group Hospital Indemnity Insurance (Cigna). $9 per pay period. It states t hat they won't cover it if you had a pre-existing condition where a covered person was treated, had medical testing, received medical advice or had taken medication within the 12 months prior to the effective date of the policy. How exactly would they even KNOW this if you weren't going to any of the same doctors? [link] [comments] |
Posted: 01 Dec 2019 07:10 PM PST https://i.imgur.com/ru4PBgk.jpg Hi guys, Kind of a odd situation I was in last night. While it was snowing, I was driving down a road at 40mph and a car coming out of a neighborhood must have slid on the road and came out right in front of me. With no time to react I swerved and went over a curb into a snowbank. There were no damages to his car and him and a stranger ended up pushing my car back onto to the road. I inspected my vehicle and made sure there were no damages but it was dark. I ended up getting a picture of his license and plates in case I did find any damages. Now this morning after a carwash I noticed that my part of my bumper was cracked. Now I'm wondering how to proceed with this situation because there was no accident. What are my options. Do I try to get his insurance to pay for the damages, or do I have to take a loss that clearly was not my fault. Is there any way I can prove that he was at fault. He admitted that it was his fault last night, but I did not have that in writing or recorded. Would it be weird if I went to his house and talked to him? [link] [comments] |
Posted: 01 Dec 2019 04:15 PM PST I have vein disease that I would like treated by a vein specialist in the UK. I have Blue cross blue shield HSA through my employer. I was informed that BCBS would not cover the cost of the procedure in a foreign country but I was also informed that my employer can intervene on my behalf to BCBS. [link] [comments] |
Filing a claim years after the fact? Posted: 01 Dec 2019 03:31 PM PST Long story short, I have StateFarm for auto insurance. In 2016 I turned into a gas station pump too quickly, skimmed the side of my car on the concrete protection pole thing. I took it to get an estimate because I didn't want to get insurance involved. I ended up not doing anything because a lot of life stuff was going on and I didn't want to deal with it. Now, I want to sell the car and would gladly pay my $1k deductible towards the repair. Can a file a claim 3 years after the incident? What do people do in this situation if they don't have the money for the deductible right away? [link] [comments] |
Book recommendations for complete beginner Posted: 01 Dec 2019 02:41 PM PST Hi everyone. I am an IT professional who just moved to a life insurance company. I want to learn the fundamental concepts and terms of insurance at least to understand the general business processes of life insurance company. The company provide books to new joiners but it's in a language I can't read. I would appreciate any book recommendation for beginners. Thank you! [link] [comments] |
Posted: 01 Dec 2019 01:06 PM PST Im wondering if anyone ever dealt with a car accident in Ontario. What happened was the roads were extremely icy and we weren't going fast but hit some ice that sent our car spinning. It was extremely bad weather. After circling and starting to get control someone hits on our back passenger side. He said he couldn't stop. I know we should have control of the car and we own part of the fault but they are telling us it was our fault for the accident. Honestly, if they were driving to the road conditions they would have time to stop. What do people think about the at fault calculations that insurance does in Ontario? Would we be considered 100% at fault or would the other driver have part of the fault? As well this person is out of country and is expecting us to pay for everything through our insurance. I informed them that they have to go through their insurance and the insurance companies will figure out the logistics later. Im confused as why they even approached us to ask? [link] [comments] |
Posted: 01 Dec 2019 12:54 PM PST Our house caught on fire yesterday. Nationwide sent and assessor same day to take pictures and now tomorrow the contractors are coming out to do who knows what. Any idea on how long these processes take? Im trying to plan out how long we will be displaced from our house. [link] [comments] |
Sharing insurance with Spouse who’s applying for Greencard - FL - US Posted: 01 Dec 2019 08:27 AM PST |
[NM] Second child on the way, High Deductible or Traditional HMO? Posted: 01 Dec 2019 10:43 AM PST TA account because I like to keep my personal stuff separate from my obviously me self promoting account. So it's time for my company to renew our small group plan, and I'm trying to figure out which is a better option for us. I have a good income and can easily afford any of the health plans my provider offers, so what's best for me and my situation? I'm then only employee (of 4) that currently opts into our plan, so I have pretty much free reign of the options. I'm currently on the "High Deductible / Gold 4" plan, at around $1000/mo for myself, wife, and infant. He was born this year in February via a scheduled C-section, so I opted for the HD plan last year as I'd assumed with a C-section birth, and all the prenatal care, we'd hit the $5600 family out of pocket max, and that would be that, $0 from there on out (aside from premium, which is about the same as other gold plans)... problem is, I didn't hit my own deductible this year (I'm less than $200 shy, but no planned appointments for the rest of the year...) My wife and baby don't pay anything for any of their visits since he was born... so there's been savings on that side of the family. So We have another child on the way in May, again a planned C-section... so I'm wondering if the HDHP is still a good option, since she will have significant costs... and I can just eat my deductible... or would another plan be a better choice? I have Type 2 Diabetes (AODM) but it's been well managed so far, and I don't anticipate any serious complications in the coming year (never know). I do not have an HSA, and my company is so small we haven't ever had a request for one and haven't set one up, is it something I can do on my own? I assume there's just contribution limits, not income limits? I've taken pictures of my plan's options and my current renewal form, redacted any PII if that's ok? https://i.imgur.com/txeK32q.jpg https://i.imgur.com/7JV2qGU.jpg Any advice you all can offer would be greatly appreciated! [link] [comments] |
Insuring someone else's vehicle and what that opens me up to liability wise Posted: 01 Dec 2019 08:52 AM PST State: Louisiana My dad wrecked his car while uninsured and as a result has a flag on his license. He wants to purchase another vehicle and put it in my name and insure it under my name. A. Is this legal B. What liabilities does this open me up to? C. Should I let him do it? [link] [comments] |
Question about RCV on Toys after a basement flood claim Posted: 01 Dec 2019 06:11 AM PST I recently had a flood in my finished basement due to a sump pump failure and am trying to replace the contents. Most of the damaged contents (besides some furniture) were toys as the basement was primarily used as a play room for my kids. My question is, when replacing contents, can I only claim things that are a direct replacement? (e.g. a barbie for a barbie?), or is there wiggle room in here? Primary reason I ask - many of the toys that were damaged were baby toys and i just don't see the sense in replacing those items exactly as my kids are a little older now. Insurer is State Farm for what it's worth. [link] [comments] |
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