Auto Insurance

I’m in a state that does not require vehicle inspections. But when looking for new insurance, one company requires that I have a vehicle inspection done at one of their authorized centers. What does this inspection entail? What are they looking for?

I have 2 exterior modifications, one that is commonly mistaken as illegal (taillight covers) and one that is technically illegal but never enforced (window tint). Is this cause for concern with the inspection?

CARCO. When you switch or newly insure a vehicle that is not brand new, they (the insurance company) must take photos of the vehicle. This protects the insurer from you should you try to commit insurance fraud. Example: If they did not take the photos, you could very easily insure a 2000 Honda Civic with collision coverage, a few days later, you could call in a claim and say somebody blasted your car while you were in the parking lot. However, that damage could have already been present. It’s just the way insurance companies protect themselves.

Do you even have to get insurance to drive a motorcycle? Lets say the insurance policy is bare minimum for a young male in Florida. About how much might that be?
Another detail is that the motorcycle is pretty old, small engine, and cheap.

Its hard to tell you because it depends on a lot of factors, try this site where you can get quotes from different companies

http://quoteinsurance.notlong.com

A friend of mines boyfriend was driving my friends fathers car and ended up getting in a wreck. He wasn’t at fault i guess, but both cars in the accident were totaled. I don’t think he was on the insurance, and I know he doesn’t own a car so he doesn’t have insurance that way either. She says that since he was not at fault it doesn’t affect his insurance rates from going up when he gets a car of his own. Is this true?

Assuming her boyfriend is not at fault, they cannot rate the accident against him, but if your friend’s dad is receiving any discounts for being free of accident, that discount could go away, thus bringing his rates up. This varies from company to company. If your friend’s dad has no discount for being free of accidents, it’s unlikely that he will see an increase unless something else changes. Changes occur frequently, including across-the-board rate increases for an entire state.

I am writing an article and i am trying to get the insight on the most difficult part about finding life insurance quotes.

Also, what are some things you worry about in general when it comes to life insurance?

Any insights would be much appreciated. My family and i just went through this because we had a baby girl. But i would definitely be interested in more opinions than my own

Death:) Just kidding! Congrats on the baby girl!!
Life insurance quotes is complicated but not that bad. I just did the same thing and got a great Term Life policy for me and my kids and grand daughter. It pays off the mortgage and other medical expenses, plus burial and final expenses. Six people(and I’m a smoker) for only $62 a month. It does reassure me that in the event (which is always possible) that anyone dies (God forbid) we won’t have to struggle with trying to give them a respectable, decent burial and try to go on with our lives.
***My police includes an even split for 5 people of $100,000.*** if I go first. I have all of my insurance ( car, home and life) with Farmers Ins. Group.
I had no difficulties. I did mostly everything over the phone. My agent( I have the greatest agent in the world) sent me everything I had to sign and in about a week I got the call that everything was approved. It was all painless. I sent the first premium and I was done. Try this site

http://free-best-life-insures-comparator-usa.blogspot.com/

Here you can get quotes from different life insurance companies in your area, its the best way to find an affordable life insurance with a reliable company.

If you are looking for more information on FEMA’s recent flood map changes in oxnard California where can you find it? Im interested in some type of flood zone determination and a quote. My insurance agent doesn’t know very much about it. How much does flood insurance cost? I have lots of questions any ideas?

Well, the flood maps should be on file in the local municipality, but THEY won’t do the determination for you.

YOUR AGENT should be answering your questions – big red flag that they can’t – or won’t – track down your answers. The actual zone determination is done by FEMA, or the insurance company who’s writing the coverage on their behalf. It’s an easy, easy process, and your agent should be talking to NFIP to get your zone determination. Your mortgage company, assuming you’re buying a house, will ALSO do a zone determination.

Flood insurance costs vary, depending on how much coverage you want, and what zone you are in. But the actual RATES are set by FEMA, so there is no competition.

I want to start an insurance company, but I need to know what kind of insurance I need to purchase for my own company. I have done research and can’t find this. (Please do not tell me how to start one, or anything else besides what insurance I need, if any.)

Do you want to start an insurance company or an insurance agency? There is a difference. I’m guessing you want to start an agency because if you had the millions of dollars needed to start an insurance company you’d have the knowledge already or at least the money to hire someone who knew.

For an agency you’ll need E & O insurance. Also, depending on your situation you’ll need a business general liability and property coverage. You’ll need business auto or at least a business classification on your auto insurance if you have vehicles. If you hire someone you’ll need workman’s comp and possibly health insurance, disability, etc. for the employees.

I hit a guys bumper while driving a company car a couple of years ago and I thought he filed a claim but the company took care of it and I never heard about it again. I’m getting car insurance and I pulled my driving record from the DMV and all I have is a seatbelt violation but no accidents. Is there another database somewhere that insurance companies will check or is it just your DMV record? Maybe this all got settled without insurance intervention and I dont’ want to pay higher fees if its not necessary. Am I in the clear?

Was a citation issued at the time of the accident? If not, it won’t show up in the MVD. The insurance industry also has something similar to a credit report, called the CLUE report that lists past property and casualty claims made by you. That is used as well in determining your insurability.

Forced auto insurance, seat belt laws, helmet laws, child safety seats, laws and regulations, all brought upon us by insurance companies who use government regulation to maximize their profits.
Isn’t it only a matter of time before they get their friends in Washington to make Health Insurance Mandatory?
Or is that the republican plan for reform?

Reagan warned of obama and his kind, and I’m not referring to his race, He is a socialist, and health care is his door opener.

http://www.youtube.com/watch?v=fRdLpem-AAs

Please forward this video to all who question the "acting" president’s agenda!!!!!

hi i just wanted to know if i need a commercial insurance to deliver flowers part time. im 17 and have personal coverage but do i have to buy commercial? thanks
so if i get into an accident would i be covered?

Any one that uses their personal vehicle for business purposes, such as delivering pizza, flowers, news papers, or packages, should have commercial insurance. If you have an accident while in the line of your job the insurance carrier will probably deny coverage.

Using you car for business purposes gives you car more exposure to other traffic so your insurance carrier will need to rate your insurance accordingly.