Auto Insurance

I was just in a wreck where I was on the interstate in a bad rain storm and suddenly hydroplaned into a guard rail. I only have comprehensive insurance. I do not have collision. Since the accident is weather related will it cover it?

Your insurance carrier will likely claim that the loss was caused by a collision with a guardrail and not from weather related causes.

I am planning to spend two weeks in Phuket and intend to hire a motorcycle. Is there anyway i can get compriensive insurance for this?

Thanks Phil

usually, wherever you are renting the moto-cyyy – will offer insurance as they at least want the value of the moto covered. What you need is first class insurance because if you are involved in an accident, you could be blamed for all damages ot everyone else involved.

Best advice – don’t attempt this feat here. Find another way if you are not familiar with the habits of the drivers here. If you are familiar with their ways, then you know that there are no rules of the road out there – and every time the rest of us do go out, we come back w/stories that start with "you’ll never believe what this idiot did!!"

My son was in an accident a few months ago in which the guard rail was damaged. He was driving someone elses truck. The state wants to either file this against my sons insurance, under the liability part, or for my son to fork over $5,000.00 for repair. My question is, will placing a claim raise his rates? He has had a couple of tickets since he was rated for this policy, including an open container, and I am afraid if we file, they will look at all this and either drop him or raise the rates through the roof. Any advice from an insurance point of view, or any other point of view would be appreciated. We are really just wondering whether it would be cheaper to pay the increased premiums or to pay the damages. HELP!

To begin with, insurance follows the vehicle. If he was driving someone else’s truck, they should be charging the insurance in place on that vehicle. However, since you son caused it, it should want to pay his friend back for his losses. Considering the amount, and the very strong possibility of your rates going way up as a result of anything you do, I’d suggest you contact an attorney and discuss it with him before you make any decisions.

What is the fastest way to get health insurance quotes?

If you are looking for the best health insurance , check out this site

http://Cheap-Health-Insurance-Rate.info

Here you can compare health insurance policy and rates from different companies that available in your area.

I have looked at almost all of the PC pages and can’t find anything about out of province health insurance. I called on the telephone and all I got was a voice but I could not get directed to speak to a person, even though I went to other services and then they disconnected. I want to get a quote.

Try http://www.myinsurancequotes.net. Complete the quote form and a local agent will call you. They will either be able to help you or direct you.

Jared Balis
http://www.utahinsurance.org

I was with the same insurance company for 10 years using the same local agent. My car insurance rates kept going up every time my policy was renewed. I decided to explore and see what better rates I could get with other car insurance companies. Friends and family gave me names of local agents from insurance companies they used. All the agents quoted me really high. Then, I called a major insurance company’s 800 number (not through an agent) and got the lowest quote. So, why do people use insurance agents? Is there a reason why it’s better to use an agent?

In addition to what a-mac said; if you have a claim but you are unsure if it is covered you can discuss it with your agent without submitting it to the company. (Companies do not like this – fyi)
If you call the company, and it turns out there is no payout on the claim it will count against you and you will probably see a change in your rates.
Remember: you get what you pay for. There is one company that has an 800 number that I would be extremely cautious with…

I am renting a car for one month from Hertz. Their insurance is very expensive (at $25 per day, it adds $900 to my costs). I have already asked my credit card company if they offer auto insurance for a rental car. Do you have any suggestions on other options for inusuring a rental car for one month?
I do not own a car, so I do not have any personal auto insurance. This rental will be in the United States.

With the rental company you have two options, take it or refuse it.

Talk to your insurance agent about a rider which would cover any at fault accident you would have with a rental car for a month. They may have suggestions.

My landlady teaches piano from home as a full time job, would I be able to get contents insurance? I went to an online insurance site and it said I would have to call them if I share my home with renters/lodgers (which I do) and also it assumes that ‘You do not use your home for any business purposes or for the storage of business goods’. What insurance would I need or would it be my landlady’s responsibility to get cover? Could I be included in her insurance?

The concept of health insurance was proposed in 1694 by Hugh the Elder Chamberlen from the Peter Chamberlen family. In the late 19th century, "accident insurance" began to be available, which operated much like modern disability insurance.This payment model continued until the start of the 20th century in some jurisdictions (like California), where all laws regulating health insurance actually referred to disability insurance.

its the insurance commercial with the red umbrella, the dog keeps moving his bone from place to place.. the song in the background!!! Anyone know it??

The song is called "Trouble" by Ray LaMontagne