Auto Insurance

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.

http://www.pbs.org/moyers/journal/07102009/profile.html Meet Wendell Potter. Bill Moyers interviews former health insurance industry executive Wendell Potter, who left the field after almost 20 years to become a health reform advocate. Check out Potters personal story here and tune in to Bill Moyers Journal, Friday, July 10, 2009 at 9PM on PBS (check local listings http://www.pbs.org/moyers/journal/about/airdates.html ) for his experiences inside the health insurance industry, their work fighting a public option, and the insurance companies close ties to Washington. The entire interview will be available after broadcast at www.pbs.org/moyers http://www.pbs.org/moyers.

Duration : 0:6:2

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Technorati Tags: bill moyers, health care, Reform, Wendell Potter

Under Obama’s health plan, insurance can’t be refused because of a pre existing condition (at least that’s what I heard). How would that work? Why would anyone get insurance before getting sick? How would that not bankrupt the companies?

Only stupid people would buy insurance before they need it. It would bankrupt companies, or more likely, drive prices through the roof.

Just like, why would you buy a lottery ticket good for the drawing, BEFORE you know what the numbers are, if you can also buy it AFTER, for those exact numbers?!?

This concept is called "adverse selection", and the politicians have been working VERY HARD to ignore it.

I had a car accident and I believe it was third party’s fault. However, the third party and I have policy from the same insurance company. The legal insurance is same as well. What should I do to make sure that the insurance would act without interest conflict? If I use different legal firm, will it be better?

You have one advantage in that the insurance company will have both people’s versions of the incident and be able to better apportion liability quickly. They should advise you of the conflict of interest under FSA rules. The fact that you are insured with the same insurer does not affect your rights under contract (they must repair your car if you have comprehensive cover) nor does it affect the other driver’s rights under contract (the insurance company must pay damages you claim against him – under the liability section, if they think he is at fault).

Hopefully the insurance company will quickly decide on who is at fault and pay you your uninsured losses (excess, loss of earnings, injury etc). If not then you will have to look at the legal expenses insurance policy and see if there is an exclusion against them pursuing a claim against the insurer. If there is then you would probably have to raise a complaint in that they are not treating you fairly because of the conflict of interest.

It will certainly be cheaper and easier if you legal expenses insurance company pursues a claim on your behalf – the only problem you will have is if the other driver disputes liability – and instructs his legal expenses policy to claim against you. In that case they will have to withdraw due to a conflict of interest.

The insurance company may offer a split-liability settlement. You can challenge this if you wish, in order to preserve your no claims bonus – but this will delay payment of uninsured losses until the claim is settled. In this case I would assume the other driver would be pursuing a claim as well and so you both will need to take legal advice elsewhere.

http://townhall.com/blog/

Duration : 0:1:3

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Technorati Tags: acme, barack, insurance, obama

Can I call an insurance company the instant I buy a car and say, "Hey, I just bought a car. I want to get insurance for it."? I think companies should do this because if I take off from the dealership without insurance, and somebody hits me on the way home, I’m in trouble, right? I looked everywhere for this information, but I couldn’t find it anywhere. Could somebody clarify this issue for me?

If you buy a car and have a loan on it you are required to have insurance before leaving the car dealership.

Most insurance companies have a way to buy on-line or over the phone.

Call your local State Farm agent and they can help you. (www.statefarm.com)

Good luck.

Financial Markets (ECON 252)

Professor Shiller provides a description of the course, Financial Markets, including administrative details and the topics to be discussed in each lecture. He briefly discusses the importance of studying finance and each key topic. Lecture topics will include: behavioral finance, financial technology, financial instruments, commercial banking, investment banking, financial markets and institutions, real estate, regulation, monetary policy, and democratization of finance.

Complete course materials are available at the Open Yale Courses website: http://open.yale.edu/courses

This course was recorded in Spring 2008.

Duration : 1:14:4

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Technorati Tags: banking, behavioral, debt, democratization, estate, finance, Financial, futures, institutions, investment, markets, monetary, policy, real, regulation, stock, subprime, technology

I have a friend who would like to install a wind generator for electricity, but the local power company will not let him connect to the power grid unless he can show that he has a million dollars insurance. Well, he cannot find any company that offers that type of insurance for any price. He has written to everyone he can think of but still no source of insurance. The reason he wants to connect to the power grid is to use it as his storage system so that he doesn’t have to maintain a whole bank of storage batterys. Does anyone know where he can get this type of insurance for a system that will be in the state of Texas?

Call your electric company; the folk you would have had to call anyway to get connected & let them know that you would like a reverse meter so that they can measure how much energy that you are back feeding. There is specific wiring for this that has to be approved through your county anyway & it is a safety feature for people working on the lines after a storm so you don’t inadvertantly electrocute a lineman who is trying to restore power around you. They will no doubt have the answers that you need or can advise you on where to look for the insurance. The way that you do a million dollar insurance policy is called an UMBRELLA POLICY on the homeowner’s. That isn’t hard. It is a property insurance that goes above what the homeowner’s insurance carries. The UMBRELLA coverage is a catastrophic event coverage that is called secondary insurance. It isn’t even very expensive as it covers after everything else has been exhausted first. Go to yahoo & google Umbrella insurance & then if that doesn’t work, look at commercial insurance companies in your area. I know that CNA which is a HUGE insurance company, they write in Texas & may be able to write your friend the policy that he needs. I hope this helps. I used to do underwriting assistance for them & I helped insure folk in Texas in particular.

My medical insurance has expired and I’ve just decided which one to buy next. How long does an insurance company need to approve an application and get it activated??
I have no medical insurance right now so I’m kinda worry because of the swine flu.

insurance tips :
http://insurance2.cn

A former insurance executive comes clean about industry practices designed to kick the sick off the rolls and rip off patients to make obscene profits.

Duration : 0:7:10

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Technorati Tags: Chris Bowers, CIGNA, Healthcare, insurance, Open Left, Wendell Potter