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Does an expired MOT invalidate insurance when making a claim for my car stolen from a private driveway? I had no idea that my mot had ran out, when my car was stolen from a private driveway (not on public road) My insurance say i was in breach of the policy. But where do i stand legally with the car being off road when stolen? The insurance quoted no payout if there's no mot when one is required by law! Is there a loophole i can use" What should i expect in a auto accident and insurance settlement? I was hit from behind on Wednesday evening heading to work. The driver was ticketed by the police and their insurance company has admitted full liability. Injury wise, I have whiplash which thankfully, is going away now. My car, according to their adjuster, is going to be claimed as totaled. So, my car is valued at 7400, and repairs just from visual inspection, are 7015. So they are going the totaled route as its cheaper for them. After they buy the car from me, they will sell it to salvage, expect to get 2k from it, and only be out 5400 instead of a full cost of repairs. So I've had the car for a year and half, taken out on a 5yr car loan. I still owe 12k on it. After they cut a check to the lean holder, I'm still responsible for 5k on that loan. The bank and my insurance at the time didn't offer gap insurance. Stupid of me, I let my current policy expire to search around for a more affordable policy. I kept procrastinating, and the accident happened with me having no insurance. Lucky he hit me and is at fault. I'm trying to see what my options are. I've gone to the liable company's website and see their basic plan for my state, law requires 25k in property liability for at fault accidents, plus medical etc. So I'm wondering what should I expect from the lady handling this claim. I'm not fooled when she called me yesterday and said that she is here to work with and for me. Saying that there is probably a lot of talk about lawyers, just know they will take 30-40% of you settlement. Know that I'm here to work for you, try to work with me I'm thinking my head total bull crap. 1, she works for her insurance company first, and will have their interest first, 2, she works for their client and to protect them from me in a suit. In the end, I'm not stuck with a car that they will not fully pay to have repaired, and will still owe 5k after they pay the loan holder the value of the car. My credit is damaged and getting a new loan is probably not going to happen easily. I really don't want to get a lawyer but I now have a car sitting in my driveway that I can't use plus a balance in the end. Anyone got some suggestions as to what I should realistically expect. The lady mentioned a liability settlement, repair settlement, medical expenses settlement, and personal injury settlement. I'm not out to make money on this as that just will not happen. But I have no car and will owe 5k still. I'm just like...f**k" "Nearly 18 and I need to drive, what is the cheapest car and insurance for someone my age?" Nearly 18 and I need to drive, what is the cheapest car and insurance for someone my age?"
How much in costs would I be looking at and what car would you reccomend to get? This is in UK and my first car. I'm getting a car at 17 but it needs to have these features: - Cheap on petrol - Cheap on insurance - Cheap to buy used like really cheap - Four doors (optional) Yeah so what would you recommended and how much would I be looking at in total costs per month including tax, insurance and petrol (excluding the price of the actual car). I will be using it around 3 hours a week." Different Types of car insurance? i know of state farm progressive and Geico. what else is there? What is the procedure to claim insurance for a stolen bike? my brother's herohonda is stolen ? he has done it's insurance in orientalinsurance company. he has also reported to the police regarding this.the case was happened before 2 and 1/2 months . police could not found it. so kindly suggest the way to claim for a new bike to the insurance company. How do I advertise to people in California qualified to buy car insurance? For the best insurance coverage all you need is a fax machine and a genuine need and intention to buy auto insurance now. What is needed to become a homeowners insurance broker in California? What is needed to become a homeowners insurance broker in California? My insurance policy quote went up? I have 2 cars registered under my name. Because I use to have one and I gave it to my younger sister and bought a new one so I now have both under my name. She got a speeding ticket this year and also did not have her DL on her. So what happen was that they wrote the ticket under my name and put my DL number and now that shows up on my driving record and when I looked at my insurance renewal notice the quote increased. How can I get this off my record since it was not my fault? What type of insurance should I have for my cars? My husband and I are trying to pay off some debt and we think we're paying too much for auto insurance. What coverage limits should we have? We have a 2001 Ford F250 and a 2000 Ford Excursion that are both paid for. Both have small amounts of body damage, not that noticeable but we know we're there. We will likely only turn in a claim if they get totaled. We've thought about going down to the state minimum but not sure how risky that is. We turned in a hail damage claim last year and had a horrible experience with it. Right now our coverages are: Bodily injury $250k/$500k Property damage $250k Medical Expense $100k Uninsured/Underinsured Injury $250k/$500k Uninsured/Underinsurued Property Damage $100k Right now we pay $543 every six months."
Adding car to insurance policy? I just bought a car from a local used car dealership, and they tried to have my insurance company (All-state) add the car to my policy. But All-state refused because i'm not the ...show more" What happens if you just don't pay your car insurance? Where I live you get car insured and they put a sticker on the plates with expiry date a year from now. But you still only pay once a month. What happens if you simply stop paying ...show more Examples of how auto insurance helped you? Do you have any personal experience where auto insurance is benificial to you? please also list the pros and cons. thanks so much <3 And why does an auto insurance co. want to know this?? Why when I am getting quotes online for auto insurance do they ask for my marital status and even have a spot for single parent. Would I get a better quote if I said just single? Am I penalized for being single. I'm no kid; I'm over 40. Is it common for homeowners insurance to up without notice? I have only owned my home for a year. I got a letter from my mortgage company stating that my payment would go up because my taxes and home owners insurance has gone up. I contacted statefarm to find out why my insurance went up (i was not notified) and was told that the company increased my dwelling coverage. Is this common? Does your car insurance premium go up if you have a claim that didn't involve others but was over $1400? Its just body damage and no one else was involved. Also if I use my rental coverage will that make my premium go up (i.e. is premium tied to how much the total claim cost)? Thanks How much do you pay for your car insurance in NJ? Hi i want to buy a car and i was wondering how much money i had to spend on the insurance thing. i plan to buy a 1995 honda accord ex sedan, 4 doors and 4 cylinders, maybe this info helps. Also, i would only use the car to go to my job and to the university which is less than 3 miles, in a year, i would be driving like 2000 miles + 1000 miles extra as miscellaneous trips. the thing is that i'm a 18 year old dude and I earn 700 dollars a month, still live with my parents and go to school. I went to a driving school to learn the essentials of driving . Hope all this info helps you give me the best estimate yearly or monthly. thanks"
Is it worth getting motorcycle insurance? Im about to buy a Drz400sm with a loan. I like to know snice I have a loan should I get insurance coverage on it and what type of coverage like theft for sure im getting it if I do buy insurance. What other coverage should I get for it. I just turn 18 with a super clean driving history and Im planning to take a motorcycle safety course so how much will you believe insurance will coast me on the drz400sm. What are some cheap insurance companies too by the way? Cheapest auto insurance for a teen? im 18, got a used car, and now need insurance to drive it. my family has AAA auto and if im added to that ill be paying 2k a year. i also work at target and might get a discount on metlife or travelers but i cant get quotes online and also think it wount beat the adding on plan. is there any good autoinsurance or should i just be added on parents?" Whats the average cost of health insurance(+dental)? I'm 19, female, never had any health problems, and married(dunno if any of that matters haa.) I'll be getting my own plan for the first time, I'm just wondering whats the average cost, what are some good providers to use that aren't too expensive, and does health insurance come with dental or is that a separate thing? Thanks!" How much will I get off insurance ? Ok so my Subaru liberty gx 1995 manual car was stolen and Un found, I have claimed on it and insurance company said I will get the market value for the car, the car value is $4,800 - $7,150 so I was wondering what I would get ? The minimum, the max or just right in the middle ?" Could I make my own car insurance? What makes a car insurance legal. If I were to have my own company and say I ensure myself could I be legal How did mandatory car insurance effect prices upon gov requirements to have insurance to drive? how did this government policy effect costs? How can I get health insurance? Hi! So my situation is a little complicated......I am twenty and a full time college student living at home. Both my parents are older and on medicare which does not cover me. I only work part time so I really cant even afford to pay for insurance and my college offers an insurance plan but it's really crappy. I really need to find some type of health insurance that is affordable. Not being able to go to the doctor or dentist is not fun. Any advice please?
How about Universal Auto insurance? Universal Dental, universal home insurance, universal life insurance, universal pet medical insurance, universal flood insurance, universal renters insurance. Wouldn't it be a good idea to have the government provide all insurance to everybody? There couldn't be problems with that right? ( please note heavy sarcasm )" cheap home insurance quotes ireland cheap home insurance quotes ireland Drivers: How much do you pay car insurance? Please state: Licence type Years driving Gender Age Engine size Car insurance prices? Approximatley how much is car insurance on a small engine car (1.1) for a 26year old female I know it will depend on area and no claims and named drivers, mileage etc, but just looking for a rough figure as I haven't got a clue" How much would insurance be on a 2001 convertible mustang for a 16 year old? hey everyone I was wondering what price range i would be looking at for a 2001 convertible mustang. not looking for a exact answer just a ballpark range. I have a 3.00+ gpa male 16 year old no ABS on car convertible thanks all. Which car insurance companies do not use credit history to determine their rates? Most insurance companies use credit information to determine the rate they give you. Therefore having bad credit can cause you to pay a higher premium. Which companies do not use credit information to determine your rate? What do license pts mean for my insurance? I got pulled over for speeding. However, the cop bumped down my ticket to disobeying traffic control device. I'm getting 2 points on my license. I'm 22 yrs. old and under my dad's insurance. Will the insurance rates be going up? (Also, I'm planning on taking the defense driving class to erase the 2 pts from license. If so, does my insurance still go up?) Please tell me of your situations....thanks!" How much dose it cost to rent a car in NYC for a week ( including insurance?)? How much dose it cost to rent a car in NYC for a week ( including insurance?)? Can i claim it on my insurance if i damage my car under third party fire and theft rules? I accidently damaged my own car slightly, but i wish to get it repaired, im thinking it will cost alot to put right, can i claim it from the insurance i have third party fire and theft??"
Why does Health Insurance have so many deductibles? I am not complaining because I have really great insurance, just wondering why there is a deductible for everything? I mean you pay for the insurance every month, plus I have a deductible for dr visits, one for prescriptions, one for dental etc. So just wondering why so many? My dr deductibles are $300 a person, but my prescription deductible is $150 which I will probably never meet cause I am on no meds and rarely go to the dr for a sick visit. So why so expensive? Thanks in advance!" "On average, how much is motorcycle insurance in Ontario?" I'm 19, new rider, live in Scarborough Ontario. As a car driver, never crashed before Planning to get either a GS650F or SV650SA If possible could someone share their own experience on motorcycle insurance and how much it might cost. Some of my friends told me it's cheaper than car insurance while others told me its twice as much as car insurance" Cheap car insurance with 1 conviction and 1 claim? I'm looking to renew my car insurance with myself (26) and my partner (24)on the policy. Since last year we have got one claim and one conviction between us so our current insurer is doubling our annual premium!! Does anyone know any companys that give a decent quote for people with claims etc Cheapest Way for an international student to Drive a car in the UK with an international License? I will be staying in the UK for 1 year and need a car cuz I will be driving around 50 miles a day. I looked to buy a cheap car but the insurance is around 6000 to 8000 a year cuz i am young and driving with an international license. The cheapest thing I found was renting a car for 13-14 a day. Is there anyway I can drive cheaper in the UK? If renting is the only choice, what is the cheapest renting diesel car can I get in Birmingham?" HELP! With Car insurance?????? OK so I lost my license because I got caught driving without insurance in September 2010. I just passed my test today. When I'm checking the quotes, the cheapest I have managed to find was 7400 for 1 year. That is for a 1.1L Peugeot 206 Insurance group 3. They can't expect me to pay that much for insurance for 1 year, I will need a mortgage for that. Does anyone know how much insurance will increase by after getting 6 points? I'm 20 BTW!" Are Honda Preludes considered sports cars to insurance companies? Im looking for a Honda, and i keep finding Preludes, i love the car but i have been told i cant get one because they are considered sports cars and sports cars are more on insurance, can anyone help me!? Are they really considered sports cars?"
Can my apartment management include premiums of renters insurance on my rent ? The complex I live in requires that each tenant have renters insurance because the management suffered losses from damages as a result of the tenants' negligence. I want to have the freedom to choose the company that I buy it from -- but they want to increase my rent in order to cover for the premiums. The management company in turn buys a policy for each unit. Can they do that ? I live in California. Multi Car discount on car insurance ? Can any insurance agents out there please tell me - roughly what % discount on the total policy premium would I get if I qualified for the mulit-car discount on my car insurance policy? I am with State Farm if that matters at all. I am currently at $400 every 6 months for my pickup truck & am wondering if we add another car in our household onto the SF car insurance, how much would I save on the $400 every 6 month truck premium? Thanks very much." Factors that determine the price of insurance? i would like to know how certain factors determine the price of insurance. 1) how does costs affect the price of insurance 2) how does amount of claims affect the price of insurance 3) how does risk levels affect the price of insurance 4) how does predictability of risk affect the price of insurance 5) how does return from investments affect the price of insurance 6) how does level of interest rates affect the price of insurance 7) how does profit margin affect the price of insurance 8) how does competition affect the price of insurance 9) how does goverment regulation affect the price of insurance Will taking online driver's ed screw over my insurance? I was just wondering. My older sister took an online drivers ed and said it was a lot easier and quicker, but my friends older brother said it screws over insurance, especially if you're a guy (which i am...). What are the pros and cons of taking online and in person classes? also, what can i do to lower my insurance rates for when i get my license?" Health insurance for the poor in California? Does anybody know how to get some kind of free health insurance in Los Angeles? I lost my job and want to go to school full time but I need health insurance. Med-Cal told me you have to be 65 or disabled Car Insurance Honda Civic coupe vs sedan? So I'm looking into buying a car. I'm 20 and I'm under my dads insurance. I pay 60 for being a secondary drivers for my dads van, but I want to get my own car. Would it be more if I got a black Honda civic coupe rather than a sedan?" How soon after purchasing a car do you need to get insurance?
i live in florida and i just bought used vehicle... how long do i have to purchase insurance... also can i register the vehicle without insurance? How much will an average full coverage insurance for a BMW motorcycle cost. Type k1200r.? I have no traffic violation and perfect credit record. I am 56 years old. Do I use car insurance or health insurance in a car accident? I had a car accident (three cars)last week, my car was the fist car ( third car hit second car's back and second car hit my car's back). Although the second car had serious damage and my car's bumper had minor damage, but we didn't call the police. I felt my neck, shoulder and back painful in the first day when I woke up. after 5 days, i don't feel any back pain, but i still feel painful from my neck and shoulder. Do I consider about hire a lawyer (minor car damage)? If I don't find a lawyer, how can I ask the driver to pay my med bills? Do I use my health insurance first then claim the driver's car insurance company? or pay by cash first? what kind of doctor I need to see? Thanks" Cheap car/insurance for a young lad? 18 year old son has just passed his test. Looked at a Fiat siacento(I know thats wrong but you know what car I mean)1999/1100cc/65000miles/good nick/500,I thought bargain. Until I checked the insurance.... 3000!!! Before I start ranting about the cost of insuring a young lad(and the cost of my own insurance) can anyone tell me a cheap car that is also cheap to insure. Thanks." "Which car insurance companies are the cheapest in New York State( queens, new york) in particular?" I just bought a new car and am hoping to get car insurance and register it. I am curious what the cheapest companies are. I just got a quote from Esurance.com, and am curious if there are other cheaper companies. I am 22 and have a bachelors degree and a job. I want to insure a mazda protege hatchback. Please let me know what your experiences have been." Can I put someone on my car insurance? I own a car. I have insurance on the car. Can I put another person who is going to be driving the car regularly on my policy if they are not co-owner of the vehicle? cheap home insurance quotes ireland cheap home insurance quotes ireland How to get dental insurance in Alabama and how much it cost? My friend doesn't have dental insurance. So i'm just trying to help out by asking for advice. What is the cheapest dental insurance she can get that is going to cover root ...show more
Does anyone know about whether or not you are required to have car insurance in California? or does the DMV get to know and suspend your car if you do not? 17 Yr Old Car Insurance? Im 17yr old MALE and insurance is stupidly ridiculous 8,000? my best quote is 4500 Churchill are Idiots, theyll insure me on 1 car but not the other. Ecar seems to be the best so far. Can anyone give me a good insurance company for FULL UK licence holders. And tell me how much you pay" Insurance? About how much more expensive is a life insurance policy for a smoker in realtion to a nonsmoker.( I need a figure) Does anyone know of any life insurance companies that will let you take out a term life policy for one age 69? My grandfather and I are really close. He keeps telling me that he wants me to get a insurance policy on him which makes me feel bad, because I get the feeling there's something else serious he is not telling me. If something happens to him I don't want to be in a situation where I can't afford to bury him & I know that that type of stuff is important to get taken care of. I have checked into it a little bit online, but from what I have read & been told....when someone is over the age of 65, life insurance companies will not let you get a term policy for someone that age. My grandfather is 69 years old and will be 70 yrs old this month. I really don't have a whole lot of money to pay for whole life insurance & believe that I can only afford to get a term life insurance policy. The problems I think I am going to have is that he smokes & is 69 yrs old. Does anyone know of any good insurance companies that will let me get term life insurance on him being that he is already 69 and smokes?" Which is best insurance scheme Home loan insurance or Life Term Insurance to protech Home loan? I am having Home loan 20 lacs and would like to protect the risk. Could you suggest which is best insurance scheme Home loan insurance (Protecting home loan alone) and Lime Term Insurance (protecting like not home loan). I want to know the premium which one is lower and benefit one? Renters insurance question ok, i have renters insurance, and have and had it for about a year from the same company we get our car insurance from. maybe this is a stupid question, but i am asking so please be polite and honest. i am looking into renting (moving) and i was just curious as to if this is something we would want to bring our potetential new landlord (s) and if this will influence his/her decision. also our renters insurance is paid up for another year already."
Is there anyway to get health insurance for a part-time student in Massachusetts? I'm a part time student in Massachusetts and I need health insurance. I was wondering if anyone knows of any affordable health insurance that covers part time students. Thanks in advance! Who offers affordable home owners insurance in south florida? trying to buy a house in south florida and I need a good and affordable company for my home owners ins. "Cheap insurance cars, help me choose.? I'm looking for a 2002 car and I'm thinking of: Ford fiesta 1.1 Vauxhall corsa 1.2 Toyota yaris 1.0 Nissan Micra 1.0 I would welcome other options and choices And your opinion will count! I want to get a cheap insurance and I can afford up to 2.300 Can i get Renters insurance if i am? Can I get rentersinsurance if i am living in one of my uncles home? How much rental car insurance do I need? How much rental car insurance do I need? Moped insurance? I'm 16 and I'm wanting to get a moped. Does the law require that you carry insurance on mopeds? Thanks. Drivers license in California 19 years old? How do I get my driver's license in California when I'm 19 years old? I already got my permit but it expired. Thanks Also, i'm a california resident" Will I get a car insurance rate hike? In Pennsylvania, if you are given a traffic citation, and are told points will NOT be accessed on your driving record with DMV, will my car insurance stilll go up?" "Got a speeding ticket in Oregon, can I go to traffic school so my insurance company will not raise my policy?" I know in California you can go to traffic school once every 18 month and the insurance company will not raise your rates, is that the same for Oregon, and how do I go about it?"
"Hi I'm 25, doing my test soon and I'm going to get my first car soon, looking at online insurance quotes...?" ... somehow the quotes show that the pass plus doesn't make any difference with the insurance, do you think I would have to phone the company to sort out the discount? If there isn't going to be a discount is the pass plus still worth getting?" "2011 Subaru Impreza WRX STI, [price help]?" I am looking to purchase a 2011 STI sometimes EARLY july. There are few USED ones in my area, but the price is not much different, becuase low miles NEW 2011 STI limited, MSRP about 37,999 Used--- that i am looking at, with 4,000 miles is 36,950 I was wondering if it is even worth it to buy it used vs new, and if i did buy it used how far can i get the price down, since it is only like 5 months old. And if anyone has any tips about down payments, I.e how much to put down ETC ---Im 19 years old, have a good paying job for my age, my dad is going to co sign. If you have any advice that is un related, please share Also, my heart is set on this car, nothning else" My license was suspended and I want to buy a new car. Will my insurance company still let me keep my policy? I have had my license suspended due to accumulating 12 pts on my driving record (maryland). I did however get permission to drive to work. I have been planning to buy a new car now and I really don't want this to prevent that. However, my insurance rates haven't gone up due to the suspended license atleast yet. If I buy a new car, other than the type of coverage, will my insurance go up because of the suspended license or will that even still keep me on the policy. Any help will be great." "In Texas, if you sign to buy a life insurance but change your mind, can you get your money in full amount?" Last night insurance agents are able to pressure us into buying equity index universal life insurance, this morning we realize that it is too expensive and we'd rather have term life, what can we do? It is from World Financial Group agent." 16 year old's Car insurance? I'm and I have my permit. I turn 16 in may. Im going to get my license (or atleast take the test ) on my 16th birthday. Im not going to buy a car, and im going to just drive my parents cars. What I don't understand is why I have to pay for car insurance, since my parents already insure the car. And the car is ensured for any driver of the car." "An insurance company will insure a $200,000?" An insurance company will insure a $200,000 home for its total value for annual premium of $650 .If the company spends $25 per year to service such a policy ,the probability of total loss for such a home in a given year is 0.002 and you assume that either total or no loss will occur ,what is the company's expected annual gain ( or profit ) on each such policy." What is the best car insurance to have?
Which is the best car insurance that is reliable and doesn't over charge. I need full coverage. Roughly how much of a fine would this be if stopped driving a car by a police officer? 1. No Inspection 2. No Insurance 3. No License Plate 4. No Registration 5. No License for driver. 6. Speeding 7. No Seat belt. I had to do this to take my car to the junk yard. Luckily I didn't get stopped. How much would that have cost me had I been stopped? Corporate health insurance? What will be the benefit to the company for availing a group health insurance for its employees. please explain thoroughly. Thanks! cheap home insurance quotes ireland cheap home insurance quotes ireland Question About Car Insurance? I have AAA. I have 3 vehicles, 2 in which my daughters are the drivers. One of my daughters has 2 points for prohibited turn, which raised my insurance rate. Is there anyway to get the points removed or remove her from the policy even though she would still drive?" What are the other things do I have to pay for besides the car and insurance? Okay my budget for my first car will be 1000 pounds insurance will be about 4000 or even more...whats MOT and Tax? what about breakdown cover? I'm thinking about getting breakdown cover because I dont really have anyone to call if i'm in trouble...it would save me the embarassment... Question about gap insurance? I just wanted to know about how much the dealer charges for gap or at least an average. I refinanced my vehicle and am awarded a refund of my gap because the new financing is offered with it. So I don't know if anyone has gone through this, but if you have any answers please let me know. Thanks in advance." Where can I get health insurance? I have a disability (hearing loss), and I don't have a job, so I am not working. I want to get a hearing evaluation at University of Washington (where I live) but I need health insurance. Otherwise it will cost me 900 dollars which, I don't have. What can I do?" How can I get health insurance? I live in Chicago, IL. I don't have health health insurance because my mom can't afford it. Im 19 years old and I need health insurance.What does everyone else do who's under 21? Do any of you under 21 have any health insurance? If so, what company? I
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