California has had lawsuits capped at $250K for years now, and it didnt make rates go down one cent.

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California has had lawsuits capped at $250K for years now, and it didnt make rates go down one cent....? And pain and suffering is always the reason for these huge judgments. The lady with the coffee cup didn't have 16 million dollars of out of pocket hospital expenses, more like $200,000. Related

Can i get insurance on my name...but my boyfriends car? Registration is coming up, for my boyfriends car. He has a DUI on his record, so he's unable to drive as it is, I'm the one who drives his car. I was wondering if I could get my insurance to cover his car since I'm the one who drives it even though I'm not the registered owner. And would DMV (in california) acknowledge it?" Do you have to have car insurance to legally drive? Do you? and do you have to have car insurance to buy a used car say from maybe someone on craigslist? can you get a license plate for your new used car if you don't have car insurance? Car insurance renewal & no claims certificates? My car insurance is up for renewal soon, I had 1 year no claims before the current policy (but no certificate to prove it) and havent claimed during it. When I renew I like to look for the best price which may mean not sticking with my current insurer. If I change insurer and they ask to see proof of my no claims how can I prove I have 2 years? Will my current insurer issue me with a certificate saying 2 years (1 year with them added to the 1 year beforehand) or just 1 year? The other issue is that surely this certificate will arrive AFTER I want to begin my new policy?? Any advice would be much appreciated" Can I change my car insurance before the year is up? I have found a cheaper quote but my insurance doesn't run out until next year "Friend hit my car, wont give his insurance information, what to do?" Two years ago, I was sitting in a parking space waiting for my friend. He pulled in on the left side, and his right front fender crashed into my rear left quarter panel, causing some ugly damage. Long story short, I didn't get his insurance information. He said he would give it to me later. It has been two years, and the past few weeks I've really gotten on his case to get the information or for him to fix the damage. It has been excuse after excuse, and he now wont answer phone calls. I can get his license number, name and address, so I'm wondering if I need to call my insurance company or the police to get this fixed. I don't need friends like this but I'm wondering if the statute of limitations in california has run out, or if I won't have any luck calling the police. I just want the car fixed, and the damage is estimated at 500 dollars. Any


ideas?" Do you work for a major corporation and do they offer health insurance? I have worked at the same place for 20 years. The first 8 they didn't offer insurance. Now they do, but I pay the premiums. How about you? Do you work full time? Does your employer offer health insurance? Do they pay or do you? How many people DON'T get offered the option to purchase health insurance through their employer?" "1998 Honda civic, had a car accident, back tire smashed in back Axel is bent how much will this cost me? Any chance my insurance company will decide to total it out? What color vehicles are the cheapest for insurance? What color vehicles are the cheapest for insurance? Help me with me car insurance? i am 34 years old have a new license with pass plus and recentley bought a car. what is the cheapest car insurance for me(third party) thanks Insurance declared car total loss? Insurance declared car total loss does that mean i have no more car insurance??? Car insurance question? My idiot cousin hit my parked car with their truck. He doesn't want to go through his insurance unless absolutely necessary & asked (after I got the estimate the mechanic they go to) that he wants it to go through my insurance (e.g.: wants to act like a hit and run/that he'd pay). What I want to know is, if I go through my insurance as say a hit & run on my parked car, will my rates go up at all/anything negative with my rates?" Can my dad by a motorcycle and put it under his insurance for me to drive? ok im conused about this whole thing i know for a 16 year old motorcycle insurance is crazy. So how would this work my dads been driving all his life(Harley-Davidson) and his insurance is cheap, now for me its gonna be alot of money so can he buy the bike and put it under his name then i just drive it so then it wont be so much $ on me? can this work or is that illegal for me to be driving someone elses bike? is there anyway like i stated above to make my insurance cheaper if this doesnt work?" What is the difference between renters insurance vs. homeowners insurance? I've consulted my insurance company about insuring my personal property and said I need a renters insurance, but I own my home. I am confused. Isn't it what I need is a homeowners insurance? or renters insurance applies with owning a home too?"


New driver needs car insurance - NOT a teen!? I'm a 23-year old woman living in North Carolina. I'm getting my license for the first time and desperately need *affordable* car insurance. Problems? I am an orphan, so I can't be added to my parents' policy. I don't live alone, but cannot be added to my roommate's policy. Most insurance companies have told me that b/c I don't live alone, I can't get a nonowner's policy, which is fine, but the prospect of paying $5,000 for a 6-month policy is unimaginable. Does anyone know where I can start? I will get my restricted license (restricted due to NC's financial liability requirement) next week and need to get insurance and a car ASAP. HELP!" Insurance: Get car fixed? On Friday, I was rear-ended by a 2000 Mitsubishi Montero Sport. I got some minor damage done to my 2004 Mazda 3s. My bumper has scratches and a dimple-- which really isn't noticeable. The car has 100,000 and I'm debating whether or not to get it fixed. I am thinking of taking the insurance money to pay off debt. Should I or should I get the car fixed? Will I get into trouble if I use the money to pay off debt?" Is my car insurance expensive? I have a 2008 Passat and my husband has a 2010 Nissan Sentra. We have used the same car insurance co for years and know the owners/agents well. Before I was paying $255 for my 2003 Jetta and the Nissan and now it shot way up to $283. My husband has some tickets from the past,out of state. And my driving record is so far good. Are we paying too much? Absolutely NO spam or advertisements allowed!" Will named driver insurance cost a lot for me? My sis has been driving for a number of years and is 25 and I haven't had any lessons and i'm 27. Would it cost a lot to put me on her insurance as a named driver so I can get some practice? As far as I know she's drove for around 5 years with no claims. Im 19 and look for a cheap car with some power but quotes below 900? im 19 year old i got my full licence for 2 years now and im looking to buy a car a cheap second hand one any would be good to be honest just need it to be 1. big so people can fit in comfortably 2. reliable 3. good mpg 4. not ugly 5. 1 litre - 1.4litre 6. and ermm it must be a car nice to drive and can go on motorways without struggling thanks i was thinking about a vw polo or a vw golf but im not sure if they would be cheap on insurance thanks :) Can I take out a life insurance policy on my friend? My friend somehow got my social security number off one of my pay stubs and memorized. Now when we get drunk he has a song that he's made including my SS #, this makes me very angry. I want to take out a life insurance policy on him to scare him, is this possible? I'm thinking maybe 100k policy (he's only 26 so it should be cheap), I think the sheer fact of him knowing if he dies I get rich will bother him more than it bothers me that he has my social. Is this legal, can I take out a life insurance


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Paying car insurance 2 days late? What happens if you pay your car insurance 2 days late? I have it automatically debited out of my account on the 15th of every month, and I get paid every 2 weeks. This month I get paid on the 17th...two days short of my due date. So what do I do? I have paid my insurance late before (3 days) and they didnt even mention it to me, they just took it out when I had the funds available. and I have Liberty Mutual car insurance by the way..." Do spoilers raise insurance price? is it true that having a spoiler on a car will make insurance higher? Health insurance question? This question came to mind as my husband attended the annual insurance meeting at his job. The premium is going up 2011, the deductible went up, he got a 5% cut in pay last month, has not had a raise in 3 years, took away overtime and shutting down a week every couple of weeks. As if we could not pay for insurance right now hardly, when he retires in a few years he will have at least medicare but I am 9 years younger and will have nothing. Any ideas as to how to get affordable health insurance at 55 years of age. Appreciate any suggestions. Thanks" Please help answer a health insurance question: group vs. individual? I'm thinking of retiring early. I would utilize COBRA for the full 18 months. After that, I would purchase an individual plan. I'm extremely healthy, no preexisting conditions. My concern is, if I were to become ill after purchasing the individual policy, could I be dropped? I would, of course, make sure payments are always on time. I live in California. Any help would be GREATLY appreciated. Thanks!" 125cc bike or scooter Under 500 and LOW INSURANCE? Hi im looking to by a bike or scooter that is 125cc for under 500 And has low insurance All suggestions helpfull Why should I compare home owners insurance companies? We have owned our home for 13 years, and we have always just stuck with the same insurance provider we had when we first got our mortgage. I am not sure if the premium we are paying is fair or not. I have no idea what the rate would be to insure our home with some other insurance company. Is it really worth the time and effort to compare home owners insurance companies to see if we can get a better rate? How much lower could the premiums actually be, and could we really end up saving that much money in the long run?" Insurance for 18yr old ? Well.. im just wondering how much it would cost/estimate for me to get fully insured on a 1.8 Astra Sri Xp (3dr) 57 plate.. i know its going to be quite alot but i want to know a round about price and make sure its not ridiculously high before i buy it off of my mum.


thanks in advance:) Different car insurance quote from same provider? Hi, i went on a comparison site called Q4 insure and had a cheap car insurance quote from a company called ecar which i was very pleased with. i checked the benefits etc and i was quite happy. I went to their website to go direct and to see and make sure that there wasn't any mistakes or extra details i needed to give and the quote came back 800 more! does anyone have any idea why this is?? i done everything exactly the same and was very honest with my answers." Insurance rates???? my insurance is way too high...I have insurance with a nationwide company....and I have to have full coverage because I'm financing the vehicle. My question is..where can I go to find some cheaper insurance? I heard that smaller companies around where you live usually offer cheaper rates? Is this true? How much will my car insurance be? i just bought a car, an 02' Ford Focus with 62,000 miles for $3,200 and i put $2000 down. Im 20 and am a first time driver and this is my first car, started late, i know,lol. I have NO credit history, but i have a fulltime job. Im not trying to spend a ton of money a month on insurance, i have enough bills and am already struggling to keep up with them. Whats the best insurance i can get thats the cheapest and how much will it approximately be? thank you :-)" "Caught speeding, 17 years old, Ohio, effect on insurance rates?" I just got my first ticket after driving for about 8 months, was in my new car and acted like a complete idiot, was going 84 in a 65 mph zone, what's a good estimate on how much my insurance rates will go up? Percentages or actual amounts would both be helpful." "I was rear ended, question about insurance?" I was rear ended, and since it was completely the other guys fault my insurance company (allstate) said I could just call his insurance company to file the claim, as they would be paying for everything. So I did, and they sent out the adjuster to assess the damages (basically scratches) and said they will be sending me a check based on the adjusters findings. So... what if when I go to get it fixed it costs more, or what if they find out something is bent or jacked up underneath? Can I go back and ask for more money if that happens?" How to find affordable health insurance? I am an international student in the US, and by law I am required to get health insurance while I am in university. I have been buying from Blue Cross Anthem and the price is getting very unreasonable over the years. The price is close to $1500/year. What company do you suggest me to get cheaper insurance from? Something preferably under $1000. Insurance Broker must certify that all of the


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1999 CBR600F4 has 18,500 miles on it. How much would be a reasonable estimate without collision? with collision? how much did u pay? If you are 17, 18, or 19 how much do u pay? Thanks!" What medical insurance companies will not cover sport injuries? I am writing a report on insurance coverage and sport injuries. I know that most medical insurance will not cover an injury that occurred while playing on an athletic team. I want to know which specific companies and their policies What can I do for health insurance for my child and myself? I am contemplating quitting my job, which offers health insurance, to open a home business. I have been slowly building up my business and it's getting to the point where I have to either decide to quit my full-time job or stop developing my business. I have the potential to make much more with my own business than I do at my current job. Before I make the decision to quit my job, I am researching my options about health insurance, which is very important to me because my daughter has special needs and I do not want to jeopardize her health in any way. I also don't want to get myself into a tricky situation where I end up bankrupt because I get sick and don't have health insurance. I have contemplated taking COBRA after quitting my job, however that is very costly. My boyfriend and I toyed with the idea of him putting me on his health insurance as a domestic partner, but my daughter would not be included in that. We live in Minnesota and I'm wondering if MinnesotaCare would be an option for us, at least to tide us over until I can afford to purchase health insurance or my boyfriend and I get married and my daughter and I can go on his plan. However, I did read that to qualify for MinnesotaCare you must not have had insurance for the last 4 months and that's not a gamble I want to take. My daughter is already on TEFRA (MN disability health insurance) so I am wondering if she was dropped from my plan if TEFRA would cover her 100 percent. My worry about that is if another group health plan wouldn't accept her pre-existing conditions going forward because she would be off a group plan for more than 62 days. Does anyone have any ideas about affordable health insurance options that I should look into? Or know more about the HIPAA laws? And before someone suggests calling the state for information...I have and I'm waiting for a call back. Thanks!" How can I get health insurance with diabetes? My boyfriend has Type 1 diabetes and just lost his job (and health insurance). We have been looking around for other health insurance, but basically no one will cover him because he takes insulin. If he continued with his job's health plan it would increase to over $500 a month! Our U.S. health care system sucks!! Do you know of any health care providers who would cover this?" GOLF CART INSURANCE COST? HOW MUCH WOULD GOLF CART INSURANCE COST ? what insurance co has the cheapest rates ? Thank You . Do i need car insurance?


well basically i cracked my sideview mirror and the plastic holding it is a little lifted from normal place.. if i went to an auto shop to fix it, would i need car insurance or could i just get it done and pay with cash?" California has had lawsuits capped at $250K for years now, and it didnt make rates go down one cent....? And pain and suffering is always the reason for these huge judgments. The lady with the coffee cup didn't have 16 million dollars of out of pocket hospital expenses, more like $200,000. Where can i get extremely cheap car insurance for a 17 year old student? i have recently passed my drivin test and i am looking for cheap car insurance...everywhere i look its is way too exspensive....if any1 could help me out please do.....this doin my head in now...thanks for any help given Car Insurance... help? hey.. I have zen 2004 model, i pay insurance premium of 12k at bajaj allaince I want to lower the premium, can it be done to the same policy or should i take a diff policy, at maruthi service center they told they can get me insurance at National Insurance for a premium of 5k .... does the premium amount have any effect on claims ...plz explain one more thing if i make a claim in an insurance company and the after some time if i ask for cancellation of my policy .... will they charge anything .... is it better to abandon my old policy and switch to new company or ask for formal cancellation" What is the average cost of car insurance? What would be the average cost of car insurance for a 17 year old female? Im trying to work out a payment plan with my dad for my truck. but i need to know the figures for insurance ...show more Car insurance for a 17 year old? HELP? Im 17 in the uk and passed my test 2 months ago and have been insured as an additional driver on a parents car since then (2500 for one year on a ka what a piss take). no claims or convictions, nothing. I've been looking to buy my own cheap car but the prices insurers are asking for on comparison websites are absoloutley ridiculous, 10,000 annual for a ford fieta worth 900! I've tried choosing cars with small engines like a citroen c1 but STILL ridiculous quotes. How ar other youngsters complaining of their annual insurance of 3000 when I cant even find one under 10,000!!!! WTF. How are 17 year olds driving their own cars at my college? from what I've seen its financialy impossible unless their parents are millionaires. Half the insurers I go to online are 'unable to offer a quote', and theres no point in me taking pass plus because that'll only take 100 off of a giagantic quote which'll make no difference whatsoever. WHAT THE HELL. my postcode is RM7 if that makes any difference? Is there any kind of specialist young driver insures that I can go to who'll give me a better deal? I mean even if it was 5000 annual I'd be happy! Or insures that do that black box in your car thing? Because Im actually a very safe driver and having to pa astronomical amounts because of statistics is rather annoying. So any ideas of insurers I can go to direct to try and get a decent deal? thanks"


Insurance help please? I'm currently looking for insurance and I can't get it cheaper than 6 grand I've got a vw polo 1L 1999 how an I get that down do you know any cheap insurers Where can I find the best and affordable health insurance? employer does not provide health insurance anymore. where can i find the best affordable health insurance that i pay for myself? thanks How much is home-based insurance? I am thinking of making money with waxing. I was just wondering how much it would cost me to pay insurance for myself, I am thinking I just need errors and omissions (i.e. liability in case a client decides to sue me). FYI I live in Canada. Thanks!" Anyone know of an affordable auto insurance that is nationwide? small companies/ customer friendly , with a website" Car insurance went DOWN after accident? I was involved in a one vehicle accident and had a failure to control and hit a guardrail. I called today to get my insurance back and its lower ?? I thought it would go up? Also I ...show more Do you think people who cause their own health problems should not be covered by insurance? Some health problems are self-inflicted, others are not. If it can be proven that the health problem in question is self-inflicted, I don't understand why we don't force the patients to pay for it out of their own pockets? If such patients' heath care is covered by insurance companies, that cost is distributed among all their insurance customers. And that is unfair to people like me who go above and beyond to be healthy. Here are some example situations I am talking about: -A tanning bed sunbather who gets skin cancer -A chain smoker who gets lung cancer -A heavy drinker who gets cirrhosis of the liver -An unhealthy eater who gets Type II diabetes or heart disease -Someone with Type I diabetes who has kidney failure due to poor diabetes control. All of these health problems are their own fault (i.e. I think it is pretty well recognized that Paula Dean's diabetes is pretty much her own fault). What ever happened to personal responsibility?" When do I need to get the car insurance? Before buying the car or after? When do I need to get the car insurance? Before buying the car or after? Do Different Car Insurance Companies Really Have Different Rates? I keep seeing ads on TV which claim this or that car insurance company is cheapest. Are they really that different, or is this just marketing?"


Dairyland insurance company for motorcycle? How can they issue me registration over the phone? I'm located in Michigan and the local office has a different price then what I was quoted over the phone. Over the phone I pay $168, the office said it would be $330. I don't feel uncomfortable getting insurance over the phone but looks like I may have to. Is this okay to do and has anyone else done this before?" Liable for any outstanding premium? car insurance cancellation? Car insurance cancellation - If you cancel your insurance more than 14 days after purchasing your policy, you will, depending on when you bought your policy, be entitled to a refund of your premium subject to the scale detailed in the policy booklet. We will also charge a 45 cancellation fee plus Insurance Premium Tax at the rate applicable at that time. A refund will not be given if you have had any claims during the relevant policy period. If you are paying by instalments, you will be liable for any outstanding premium I pay for my insurance in installments of 130 a month, i want to cancel my policy 4 months in. Do i have to pay the rest of the 1,600 for the year or just the cancellation fee of 45?" Health Insurance for pregnant women? I was laid off from my job and I have been unable to find a new job, my cobra insurance is about to run out and I am looking for affordable insurance for pregnant woman. I do not qualify for medicaid because my husband does work but insurance is not offered through his employer. Does anyone know of a company that has a plan that will cover pregnancy and after?" Which car insurance company is the cheapest if you have many points? Which car insurance company is the cheapest if you have many points? What exactly does general liability insurance cover for a small business? does it cover theft and breakage? Which auto insurance company to choose? Geico's quote was WAY lower than anybody else's. Several hundred dollars lower, in fact. When I asked an Allstate agent about the difference, he said it was mainly due to Allstate offering more types of insurance, investments, better customer service, and that Geico's quote was low just to get you in the door and that it would go up once I appeared interested. After a 10 minute monologue of him explaining this, he quickly printed my quote and rushed me out of his office. Does anyone have experience with Geico? All I need is auto and maybe renter's insurance. I don't need them to manage my retirement! Are they as underhanded about raising quotes as I was told?" Is renter's insurance required for tenants in california?


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I am thinking of buying properties in other states to use as rental income. The properties are cheap so i can afford to pay cash the issue how ever is that the rent is also cheap in Update : Yes i know being a distant landlord is difficult so if it makes economic Car insurance for 2004 Mustang? I'm looking at a silver 2004 Mustang with a manual transmission. I'm a 17 year old boy and my insurance is State Farm. About how much will my insurance be? Also, how much will registration and licensing cost?" I wanna some good health insurance? I need some if possible cheap health insurance, including dental... Please help!" Is the 2008 Mazda Rx-8 worth buying? I got a deal for 19,000 dollars with 11,000 miles on it. I can afford it but im wondering if it is a reliable and good car for 5-6 years. How does it do in the winter? I live in VA. Gas? Reliable? Insurance? Used 2008 honda accord coupes are so expensive and camrys are expensive too." Cheap Car Insurance For Teens!? hi, i am a 18 year old male from england and i am looking to buy a car as soon as i pass my driving test soon, i dont know what car to buy becouse i really need cheap car insurance as i have 4 points on my provisional driving licence from a crash when i was 16 on a scooter, some people say corsa's have cheap car insurance but im not sure, has anyone got any tips to knock the price down becouse at the moment it is stupid about 6,500 for a 1.2 ford fiesta i got quoted! helpppp!!" How much would my insurance be for an rsx 2003? Ok so im thinking about getting a acura rsx 2003. Im 18. Had my license for over a year now. No tickets. Im a full time student at a college. ima be on my parents insurance. Their insurance company is esurance. I was wondering how much would my insurance be? What do you pay for auto insurance? Do you consider it reasonable or not? thanks for answering. Please let me know where you are from. just looking at the statewide quotes. Can auto insurance keep policy after being told to drop? Switched insurance companies. the original insurance company WOULD NOT CANCEL the policy. Is this illegal? How to find insurance companies for joint ventures?


How to find Insurance companies wanting to do a joint venture of a $100 million and up. not insurance brokers How much is a low rate car insurance cost? how much would it be ??? ? How much is a low rate car insurance cost? how much would it be ??? ? Insurance cost for a BMW ? I'm 17 and want to buy a bmw, nothing New , maybe a 2001 or something .. What kinda insurance prices would I face? I have a clean driving record and good grades , if that matters at all" Where is the best place to purchase product liability insurance? Need product liability insurance for imported hardwood flooring. 2008-2009 Ford Mustang Convertible? Hi- we are looking into a new car and are interested in either a 08 or 09 Mustang Convertible...would you reccomend this vehicle? One thing we are worried about is the insurance costs as the car is not that expensive. Does insurance really go up a ton? Pros-Cons? Thanks a ton! Motorcycle insurance for a 20 yr old? i just got a 2004 ninja zx10r, any one know of a place that has motorcycle insurance for cheap??" How much on average do you pay for auto insurance? My mother is kicking me off her auto insurance and i can't get an online quote because she also took my car away but says i still need insurance to drive any car. She lies sometimes so idk what average insurance cost and idk how to get it without having a car to put it under? "In California, do you have to have insurance on your boat?" ive never had insurance on my boat before,,, Cheap sporty looking car? Ive been looking into cars recently and i would like a nice sporty looking car. But i am only 18 and insurance will be crazy for me if i buy a car labeled as a sports car . I need help with finding a cheap sporty looking car but not labeled as a sports car. Any suggestions?


Daily car insurance for a 18 year old? Hi, I don't really know where to look, but my friend said that it is possible to get daily insurance for my age... I guess the question is where can I get daily insurance that allow 18+ If it helps, the car is a bmw 5 series m sport." Any decent car insurance company for 17 years old in uk? ? I have bought a Honda civic 1.4 and I am looking for some car insurance company would take 17 years old young driver I have got some is lik 7000 and 9900, which is ridiculous so I am wondering if any of yours know some company can get me a decent quote. Thank you" Im looking for people with private health insurance or no insurance? if you have medicare, medicaid, or group insurance at work, dont answer. was it difficult to get insurance? who is ur carrier? do you have pre existing conditions?" Is there any way you can cheat on getting lower car insurance? 23/ single/ brand new car...and my parents just booted me out of there policy :-( HELP!! Do you know of any extremely low cost car insurance for cars? Please dont say companies like Geico, progressive, etc. i am looking for something that I have not looked at already- that maybe someone on here has experience with. i live in NJ, but that really doesnt matter when shopping for auto insurance." My fiance got hit in my car is it an insurance problem? I bought a car about 5 months ago and got full coverage insurance through State Farm with myself listed as the driver of the car and only my name on the insurance. My fiances car recently broke down so we sold it to salvage and canceled her insurance for it. I have two cars so I let her borrow the newest one today because its an automatic. Pulling out to turn a woman struck her passenger side with a minivan. I haven't seen it yet but the damage she says is very light a scratch and the front corner of the headlight broken. The other woman agreed it was totally her fault and provided all her insurance info but they didn't call the police to make a report :( So will this cause a problem when I call the womens insurance company or if I have to call mine if her insurance won't pay and who should I contact first just her insurance or mine and hers? I don't want to tell my company if I don't have to I turn 25 in a week and my rate is suppossed to drop big time and I don't want to screw that up. Is group health insurance what college insurance plans use? Is group health insurance they type of insurance that college insurance plans use? I am filling out a form for CHP+ and it asked if I have group insurance available... I attend school that provides an insurance, but I can't afford that insurance."


What's the average price for moped insurance for ages 18-25? How much can I expect to pay per month for insurance for a 125cc moped? I'm just looking for a ball park range. California has had lawsuits capped at $250K for years now, and it didnt make rates go down one cent....? And pain and suffering is always the reason for these huge judgments. The lady with the coffee cup didn't have 16 million dollars of out of pocket hospital expenses, more like $200,000.


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