Archives for July, 2008

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should i worry about health insurance?

Posted on Jul 10, 2008 under Insurance Information | 5 Comments

i work a minimum wage job (not enough hours to qualify for benefits) i go to school full time, im 20 years old and im married. neither my husband or i get sick very often, should i put off health insurance until i complete my degree and just go with whatever my future employer has to offer?

is it a good idea to combine my car insurance with home owners insurance?

Posted on Jul 10, 2008 under Insurance Information | 18 Comments

With Farmers Insurance? Is there a catch to it, since it sounds too good to be true. My old policy is only liability and covers around $15,000 per accidents, (monthly is $43.00). The new policy covers 100,000 per accidents and up to 300,000 (Monthly is $45.00). I was told there is a discount for the homeowners insurance too if i add all the cars in (3). And only saved $100. But with all the car insurance Were paying for, am i really saving anything?? I am confused??

How much coverage should I get for auto insurance in California?

Posted on Jul 10, 2008 under Insurance Information | 3 Comments

I am 19 years old and I live in Southern California. I have a 1 point accident and a 2 point speeding ticket on my record. I have a 2001 Mustang GT and I am wondering how much insurance coverage I need? Obviously the more coverage the better, but the price is much more for each increment, so that's why I'm trying to see what coverage amount I should get or need. Collision/Bodily/Property - $25,000/50,000/25,000 - $50,000/100,000/50,000 - $100,000/300,000/100,000?
I am fairly well educated about insurance and how it works. I understand what the numbers mean and I know about the rates and what varies them. I just am looking for suggestions on the dollar amount of coverage I should get.

Dental insurance and Lumineers for teeth. Is there ever a way for insurance to pay?

Posted on Jul 10, 2008 under Insurance Information | 2 Comments

I don't currently have insurance, but the job I'm hoping to get is said to have fantastic insurance. Is there ever a way to have Lumineers paid, in part or full, by dental insurance?

If not, how much does it cost per tooth? How many are usually needed for a person with straight teeth…I was thinking 4 top and 4 bottom? Or more?

Have you heard of Bristol West Insurance Group?

Posted on Jul 10, 2008 under Insurance Information | 2 Comments

I think they're based in California.

If you've heard of them, do you like their car insurance?
I'm a new driver, so I suppose people would see me as a risk.

Because I'm a new driver the rates I've been quoted are insane.

From the major companies, I was quoted between $370 to $485 per month. Bristol West would be like $250 to $275.

If you all have suggestions for a great insurance companies with low rates, by all means feel free to list them here.

How much insurance coverage is recommended?

Posted on Jul 10, 2008 under Insurance Information | 13 Comments

I was thinkiing about:

Bodily Injury Property damage: 25/50/25

Uninsured Motorist 15/30

Uninsured Motorist Property: Yes (no numbers offered)

Comprehensive deduc $500
Collision deduc $500

Should I increase the amount of insurance or is that enough?

When someone dies do health insurance companies…………………?

Posted on Jul 09, 2008 under Insurance Information | 7 Comments

delay things? My mother had good insurance that according to her plan covers just about anything under the sun. Her medical card says 100%/0%. The hospital and nursing home even made comments about the fact that my mom had "great insurance". Anyway the claims are still pending after several months. One is for $40,000 for her first hospital stay in Sept. and the other for $59K for the 2nd time right before she died. The hospital says it is normal for claims this big to take a long time and the ins. co. says the hospital has not provided them with info needed. I'm suprised the hospital has not been more agressive in giving the ins. co. what they need to process. Is it normal to take this long and do big insurance co. find reasons to delay claims (even tho they are supposed to pay) because they know a dead person may have assets? At 1 point they tried to say her main insurance was Medicare even though she was only 64 and wouldn't be for many months? Silly reasons
Basically the hospital says the insurance is stalling and the insurance is saying the hospital is delaying them. There are not even any odd circumstances that would give them good reason not to pay.

where can i get renter's insurance?

Posted on Jul 09, 2008 under Insurance Information | 6 Comments

Does Everybody Have Car INsurance?

Posted on Jul 09, 2008 under Insurance Information | 5 Comments

Not having it is against the law #1 and #2 very dangerous.

I had a friend who didn't have insurance and got in an accident and had to pay $20K in hospital bills.

anybody else have lumenos insurance and hate it?

Posted on Jul 09, 2008 under Insurance Information | 1 Comment

(blue cross blue shield lumenos)

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