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Should a new term life insurance policy be in my name or the name of my revocable trust?
I am married. Both my wife and I have rev trusts. For a new term insurance policy I think I want my name to be the proposed insured, my wife as beneficiary followed by my trust as the second or contingent beneficiary. What can yo tell me?"


What is Patient's Financial Responsibility When Insurance Company Adjusts Claims?
My dental insurance company processed a claim by my dentist and denied it because of their contractual agreement with the provider that any fillings re-worked within 2 years are not the patients responsibility. The providers benefit statement regarding this service states, The amounts shown as payable by you and by Delta Dental are in accordance with the terms of your dental plan and the terms of our agreement with your dental provider. The benefits statement shows my 80% benefit level for this service. The insurance company is not saying that I am ineligible for the benefit. Rather, they are saying that the dentist is not eligible to be paid for this service (by either the insurance company or me) based on his contract with Delta Dental and the benefits to be provided by Delta Dental and paid by the customer. The benefits statements includes notes explaining why the claim was denied. The underlying question is: What is the patients responsibility when the insurance provider says it is zero in accordance with the insurance agreements that all parties are abiding by? Said differently, Is the insurance company the final arbiter of amounts owed by the patient? Does the insurance agreement prevail? Or does the doctor truly have the right to demand payment for amounts that the insurance company says the patient does not owe? I realize the patient is responsible for co-pays and deductibles. But I am pretty convinced that if the insurance company is denying the claim and also stating the patient has no responsibility, then the patient truly has no responsibility until and unless the provider gets the claim processed differently. The provider agreed to be bound by insurance processing when he agreed to accept this provider and its terms and benefits. Insurance companies routinely adjust the submitted fee downward to the accepted/contractual fee and providers routinely accept those adjustments (and that is one of the reasons we have this complex insurance system: to adjust charges to reasonable levels and protect patients. We pay tons of premiums for this benefit). It makes no sense to then claim the patient owes other amounts that the insurance company says the patient does not owe."


"I got hit by someone, when asked by their company if I was speeding I didn't know how to answer?
(for the statement) I said I was driving at a speed of 30-35mph I don't remember the posted speed limit. I told them i was not going over 35. It was the other drivers fault because I had a green light and she turned left failing to yield. Could they use the fact that I didn't now the speed limit against me? I didn't look at my speedometer when she crashed into me.


Where can a 18 year old female get cheap car insurance?
I've looked around everywhere and the cheapest i could find was 2200, would it be cheaper if i phoned up the companies or what? how do they expect ,e to be able to afford that im a student and live in a village so i need it to commute to work and college. i cant rely on the buses because there always late and stuff. i would be willing to pay something around 1000. i have a fiat punto 1.2 and just past my test, i was going to do a pass plus test but they dont even ask if you have done anything like that."


How Much Will My Car Insurance Payment Increase After An Accident?
I got into my first car accident today that was my fault I am 17 years old and I have full coverage on Geico insurance I was wondering on around how much will my payment increase after the accident? There was no damage on my car but the other persons car had a large dent on the right side of his front bumper.


Motorcycle Insurance?
Ive been trying to find online quotes but am unable to (don't know why, but they cant give me a quote online). Anyways I was just wondering what insurance company would you recommend for motorcycle insurance? I want to buy a bike, I don't have my M1 (because I don't want to take the test before getting the bike), and obviously I've never taken the motorcycle course. Yea I know it would be hard to get a quote given that I have zero riding experience or licensing but cmon do you really expect me to get my license only to have it expire in 90 days without even having a bike yet? Anyways when you started out what kind of insurance were you paying and with who? Also is 600cc pushing it? will that screw me over for insurance? I was looking into getting a honda 600. Thanks!"


Is health insurance paid by a company considered income?
Is health insurance paid by a company considered income?


Car insurance costs for a newly qualified 18 year old?
Because of where I live I am getting a Land Rover for my first car and I was looking at either a Land Rover Defender 90 2.4 diesel or a 2nd generation Range Rover (the Range Rover P38) 2.5 diesel and i was wondering on average mow much it would cost me to insure one of these?? thanks :-)


Is there ANY way a 19 year old male can pay less than $200 for car insurance for a:?
Is there ANY way a 19 year old male can pay less than $200 for car insurance for a:?


AOPA ( A.O.P.A. ) aka aircraft owners and pilots association versus Avemco. Who has better insurance rate?
Which one of these two entities provides better protection for student and private pilots when it comes to NON OWN AIRCRAFT INSURANCE ?


Can I ask someone else to buy the insurance for my car?
I only have a temporary driver lisence, and if I buy a car, how can I buy the insurance for my car? The temporary lisence cannot buy the insurance. Can I ask someone else to buy it? I am in CA. Thank you!"


How to appeal to insurance company?
My mom had Healthnet for her insurance provider in California. We started our move to Texas in Dec 2005. Mom made her payment in January. They still had their home in California, and it wasn't sold until February. So legally she was still a California resident. At the end of January she told them that she had moving to Texas. They refused her payment saying that she wouldn't be covered in Texas. In February she had emergency surgery. Healthnet paid everything. Then in October 2006 they denied all payments. Mom was supposed to have surgery on the hernia back in California but the doctor kept post poning it. Until finally he just said he wouldn't be able to perform the surgery. That was in January 2006, after she made her paid her insurance. My mom didn't know she had any rights, so she started paying on this $40,000.00 bill. I don't feel like she should be paying this. I have been trying to figure out how to write a letter to appeal it. I just don't know how to go about it."


Do you know any Insurance companies that would do 6m Car Insurance?
For various reasons, I would like insurance quotes for my car for 6 months. Has anyone had any dealings with companies that have or would? It's not a money saving exercise, thanks :)"


What is the average cost of auto insurance for a 19 year ..old girl in New Jersey?
What is the average cost of auto insurance for a 19 year old girl in New Jersey?


Questions about car insurance?
I live in Fort Lauderdale Florida


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How do i become a license auto insurance agent?
How do i become a license auto insurance agent?


Whats cheaper honda or toyota insurance?
honda civic or toyota corolla


What kinda price for rego and insurance?
I'm in australia AM 17 years old


Mach 1 Mustang insurance for 16 year old.?
Ok so I'm 16 and I'm looking into getting a 03-04 mach 1 mustang soon. I was wondering how much would insurance be since it is a bit faster then a gt.Would it be a bit more expensive or alot?


The next available time I can schedule my license test is in April!! Is there really no way around this?
I have been waiting till I turned 18 to get it then I find out its in April is the next available license test for southern Cali DMVs


Can my mom insure my car if her name isn't on the title?
Right now I am driving a car my mom bought so only she is on the title and she insures it. I just bought a new one and was wondering if I put the title of the car in my name, can she insure it under her name. I just turned 19 and if I got a policy by myself in my own name I would have to pay more than twice as much as I do now (I give my mom the money for insurance its just under her name)."


Does the person requiring car insurance need to be the one on the log book?
when insuring a vehicle does that vehicle have to be registered in your name to be able to get insurance. I.e. could it be one name on the log book,and another on the insurance certificate."


What is a good car insurance for someone that is 21?
im 21 my car is insured by my moms insurance but she wants to take me off. What are some good options??i live in california and im a full time student.


"Classic mini, lessons and insurance for 2.5k?
Classic 998cc mini insurance driving lessons and test all for 2.5k - possible?


Car Insurance HELP ?!?!?
A couple weeks ago I was involved in an accident which was not my fault. The claim adjuster figured that it would cost 10k to fix my 03' VW Passat. The insurance ended up totaling the car because it cost more to fix it then it was worth. I was not finish making payments on the car. I was wondering if it's true that the insurance company will give me money to purcahse a new car even the last car was not finished in payments.


Good first car for a teenager?
I'm getting my first car soon, already have about 50 hours of driving in my dad's 2011 Hyundai Sonata. Here were my ideas- 2003-2006 Acura RSX Type-S 2004 Pontiac GTO 5.7 LS1 1998-2002 Pontiac Trans Am 2003 Ford Mustang GT 2005 Ford Mustang GT 2004 Pontiac Grand Prix 1997 Chevy Camaro Z28 Also should I get a manual or an automatic for my first car?"


"Life insurance question - whole life, bank on yourself/infinite banking, term life?"
Hello, my husband and I are in early 40s, with a 1 year old son. We both work full time. We bought a house on a 30 year mortgage last year. We are looking for a life insurance for each of us and inquired the same company that has our car and home insurance about it. We arent really knowledgeable about various insurance products. We knew there was term and permanent life insurance, but not about different permanent options (whole, universal, etc.). I had imagined that we would go with a cheap, term life insurance. When we talked with the agent, he started off by talking about bank on yourself (infinite banking) concept. We finished the meeting without digesting all the information, but after looking at various information on the web, Im still not sure if it is a good idea or not. What we want the life insurance to cover if one of us dies now/soon is at least half the cost of raising our son (until hes 21, so maybe 20 more years?), half the remaining balance on the mortgage, funeral cost, and amount we would have saved in the coming years for our sons college. I tentatively calculated that to be about 300,000. However, if we dont die until were 70, most of our mortgage would be paid off, we would have already paid for his college tuition, so we dont need that much coverage. I have read that people should re-examine their insurance needs periodically and adjust their coverage from time to time. But then I imagine if we re-examine and adjust our coverage when were 50, 60, or 70, our premiums would be much higher (assuming adjusting our insurance=change to smaller coverage would be equivalent of starting new policy; please let me know if this is wrong). I wonder, if taking a whole life policy and taking the money out (=banking on ourselves) for our sons tuition and some additional principal payment on the house would be a way to adjust the size of our insurance, without increasing the premium (from refreshing our policy at an older age)? If we take out that money from our policy and not pay back in full, then I imagine our death benefit would be smaller, but thats fine if its after weve paid for most of our mortgage or our sons tuition. Is this thinking on the right track? What I understood before is it is usually the best to buy term insurance and if you have extra money, invest in other vehicles, rather than buying more expensive insurance. Would this still hold true in this case as well? Also, if we are to look around into other companies, which ones do you recommend? I also dont quite understand paying back what you withdraw with interest when you bank on yourself. Who are you paying the interest to to the insurance company (theyre making profit, Im losing money), or myself (we're making money)? Another question: in the whole life scenario that the agent showed us, the cash value does not seem to exceed the totally premium paid until 18th year (cash surrender value in non-guaranteed illustrated values), and in guaranteed values scenario, the guaranteed cash value never exceeds totally premium paid. Is this common? Its dividend also never seems to reach the point where it pays for itself (amount of dividend >premium). Does this seem right? I would appreciate your input. Thank you!"


"My husband and I are self employed.....We are shopping for health Insurance, what do recommend?"
We are looking for affordable health insurance, but I don't even know where to begin....If you are self employed, who is your provider and why?"


Where can i get insurance for my small business in Australia?
I started my new business in Melbourne.i hear about Business insurance from someone, i want to know about this. please suggest me some people who can help me..Thanks"


Where can I buy health insurance?
I'm an self-employed worker. Need some health insurance because you never know when I'll get injured.


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What happens if i get into a car accident that's my fault and I'm uninsured?
So i just turned 18 literally 2 weeks ago and I've had my license for 2 months now. While my parents have insurance for both their cars, they've failed to insure me so im basically an uninsured driver. i got into an accident that was my fault this afternoon, (my front passenger side door is wrecked including the window, & mirror; the other persons car has damages to the headlight and tore on the drivers side) and I was wondering what are the consequences? My dad is worried that we wont get insurance again, and im worried that my license will be revoked ( not even that worried about that bc as of right now, im beyond traumatized to drive). So what could happen?"


5 Day Hold On Insurance Claim Check?
I got my insurance claim check from the USPS [Postal Service] & I Signed The Check Over To My Friend For i Could Use Her Credit Card She Went Into Our Credit Union And They Told Her It Would Be On A 5 Day Hold Which Made no Sense Since All The Security Features On The Checks Are Easy To Verify By Looking At It...Is There A Reason They Put A hold On It?


Do I have to provide my car insurance and current registration to my ex-husband? Our Daughter is driving the car?
Do I have to provide my car insurance and current registration to my ex-husband? Our Daughter is driving the car?


Cheapest car insurance for 18 year olds?
I know the rate is different for everybody but what do you think the best insurance company would be for me? I turned 18 in December, I've had my license since September of 2010, no ticket, accidents, etc.. and I drive a 98' Honda Civic."


Health Insurance for 16 and 19 year old.... which company and which plan?
I am trying to find health insurance for my sister and I. I have done some research on Humana, Blue Cross & Blue Shield and United Health Care, but I'm not really sure which one to pick. We are relatively healthy with no pre-existing health conditions and probably only get sick about once a year. We basically need the routine essentials, visit to the eye doctor once a year, dental cleanings every 6 months, and an annual visit with the gynecologist. Neither of us smoke, or are on prescriptions, and we don't need maternity leave or anything like that. I'm looking for something that won't make me broke since I'll be paying for it, but still provides adequate coverage, and for that just in case in accident the insurance will cover it so I don't go home with a bill for thousands of dollars...What would be the best company and plans to look into? Thanks for the suggestions! (BTW we are Illinois residents)"


Homeowner's insurance?
if you own a duplex and reside in one half and rent the other half, is the homeowner's insurance only for the rental part or both?"


Why car insurance quote from tesco is 550 whereas competitors quote over 1000 ?
i went through swinton, axa ,norwich union, high performance, churchil, and a couple others. they did not even come close...is this possible? i am a bit suspicious, if that tesco quote is reliable, but they say when i call that i can complete the whole process online and i do enter the same detail as on other websites."


I am recently injured in a car accident and the injuries are not very severe. Am i eligible to claim insurance?
I am recently injured in a car accident and the injuries are not very severe. Am i eligible to claim insurance?


Can you approximate how much car payments would be on a 2011 mustang gt convertible?
It is a mustang gt 2011 convertible , how much would car payments be with decent to good credit , also insurance payments? - thanks(:"


I was wondering if Doctors pay for health insurance?
Since they are doctors, do they need insurance?"


My license is suspended but the car is not in my name only on the insurance. if my plates are ran will my suspended license come up?
My license is suspended but the car is not in my name only on the insurance. if my plates are ran will my suspended license come up?


How much money does car insurance go down when you turn 17?
I'm 16 years old and turning 17 in a few months. I am currently paying about $435 for insurance in a 6 month period. Will that rate decrease when I turn 17, not having any tickets or accidents?"


"I need a cheap pickup truck to insure as a 18yr old, something like a VW caddy. any ideas?"
I need a truck to transport kayaks, large amounts of caving, coasteering, climbing and wet kit. something that is cheap to run"


"Hit by car, no health insurance?"
Oh forgot to mention, I was walking when I got hit."


Can anyone help me regarding a huge fine for driving without insurance.?
Man, Im screwed. A few years ago I let my insurance lapse on my vehichle and didnt hand the license plates in. Failure to do so means an instant 150 dollar fine for the first month and 7$ a day afterwards. Ok, I was being a complete jackass at that time in my life and figured I would deal with it when the time comes. Well, its that time. I finally got my license back and went to buy a cheap used car. The dealer told me he cant get me plates for it cause I have a violation due to a fine for driving uninsured. The fine is off the charts, $4,455.00. Has anyone ever gotten the MVA to reduce this fee or waive it. I havent tried yet. They offer payment plans at 20% down and the rest must be paid within 2 years. I dont want to do anything illegal per say but just wanted to know if anyone has any ideas. I know, im a jackalope for letting this happen. anyone, let me know"


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