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missouri insurance chapter 380


   








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Will use of nicotine gum mess up health insurance coverage?
My wife has started using nicotine gum...likely she is addicted. (We've been married 10 years and supposedly she didn't smoke, but now I wonder...) Every year I fill out the health insurance information for re-enrollment, and every year, in good faith, I put down that we don't use tobacco. But I don't remember if it asks about nicotine gum or not and I don't want to lie to the company because I don't want us to get cancelled. Also, life insurance companies also want to know about tobacco usage. I know nicotine gum is not as harmful as tobacco, but I also know nicotine has harmful effects and is just about the most addictive substance on earth. Anyone from the health insurance industry would be welcome to comment."


Car insurance without deposit or low deposit?
hi im looking to insure mg mg zr but have little money till i get on the rd so i need an insurance company that will insure me today for no or very little deposit not 140 deposit and 11 installs of 80


"Around wat do u think the cost of my insurance will be, im 17 years old with a jeep cherokee?"
Around wat do u think the cost of my insurance will be, im 17 years old with a jeep cherokee?"


For someone (16) buying their own car how much will it cost?
1. the car its self, decent... something parents would feel good and safe about their child driving. 2. estimate of gas per week 3. insurance?"


To renegotiate or to cancel my whole life insurance ?
Hello, When I was 25 y.o (non-smoking, healthy female without family), I was convinced to buy whole life insurance. I had to pay 2000$/yr for 20 years for 100K base coverage. I was told that it's a great investment tool, because by the time I was going to be 65, the policy would accumulate almost 1M$ and then I could borrow against it and have a nice retirement. I'm not so convinced anymore. I paid for 3 years and then I lost my job and reduced the payments to 1000$/yr, which brought my coverage to 60K (at 28 y.o) ! So up to today, I have paid 2000*3+2*1000=8000$. My coverage is 64.8K only. If I understand well my statement, the cash value now is 4609$. I have another 15 years to go with this insurance. Is it better to cancel it or to continue with it ? Or is it possible to renegotiate the insurance, because it really seems like a bad deal now ? Thanks so much !"


23 years old. Should I buy whole life now?
The policy is participating and through a mutual insurance company (guardian Life). I figure after about 15 years of paying, the dividends could end up paying for the policy and id have it for the rest of my life for free. as the dividends keep accumulating i could use the extra dividends over the premium to either take as cash and have a lifetime income. am i missing anything? this sounds like a good plan. is anything i mentioned wrong or am i overestimating the benefit of buying this policy so young? I may not need the life insurance protection now that i have no family but I will eventually need it so why not get a good rate now."


What is good to have with car insurance. what features i guess i should say...?
i am 26, drive a 2007 altima 2.5s sedan with 30,000 miles on it. clean driving record and had my license since 17 with zero tickets if that helps. --------------------------------------... This is what I am paying with progressive auto: Coverage & Premium Information 2007 Nissa BODILY INJURY & PROPERTY DAMAGE LIABILITY $296.00 BI $50,000 EACH PERSON - $100,000 EACH ACCIDENT PROPERTY DAMAGE LIABILITY - $50,000 EACH ACCIDENT MEDICAL PAYMENTS $5,000 EACH PERSON $20.00 COMPREHENSIVE ACV LESS $500 DEDUCTIBLE $65.00 COLLISION ACV LESS $500 DEDUCTIBLE $336.00 LOAN/LEASE PAYOFF COVERAGE $33.00 25% OF THE ACTUAL CASH VALUE UNINSURED/UNDERINSURED MOTORIST $22.00 $50,000 EACH PERSON - $100,000 EACH ACCIDENT UNINSURED MOTORISTS PROPERTY DAMAGE $3,500 $6.00 ROADSIDE ASSISTANCE $7.00 Premium by Vehicle $785.00 Anti-Fraud Fee $0.90 Total Policy Premium $785.90 -------------------------------------- I think i am paying too much for car insurance?! about $130 A MONTH! Is this just about right or can I get lower better insurance or do i actually need something more?! let me know what you have and how much you pay and how you are covered. thanks"


Health insurance for part-time worker?
I am a dental assistant so I wont need dental....


Getting car insurance on the spot?
I am looking for my first car at the moment and I have a question about insurance. Let's say I go to look at a car that I've found on the internet and I decide to buy it right there...how do I go about getting insurance right away? I live in the UK btw


Can car insurance company change my direct debit date?
My car insurance payment date was changed from 6th to 5th of every month without me even knowing. For the past couple of month, i have been getting charged a late fee as there was no money in my account on the 5th as i usually fund that account in the evening for the car insurance for the 6th. in total i have been charged 80+ for late payment."


Car Insurance Help? BMW 3 Series?
How much should insurance be on a USED BMW 3 Series Sedan for a 16 year old girl? It wouldn't be fully loaded.


I have a a term life insurance calculator?
I have a term life insurance calculator, i want to place the link in to other sites which are relevant to term life insurance. Can any one please suggest me list of those sites which are relevant to term life insurance or any article or blogs site which belongs to an individual person and is relevant to life insurance. Please provide me only US site. thanks"


Health insurance policies that cover treatment in the U.S of non-residents?
I'm an American citizen who lives in Canada. I have yet to find a doctor (family doctor, or any other doctor who has given me quality care in the years that I have lived here. I'm wondering if there are any insurance plans I can buy that will cover me if I go to the U.S to an urgent care or clinic when I'm sick. I don't mind paying out of pocket, but curious about what's available. Are there any that exist? Example of lack of care: I went for a check up after not being able to find a regular family doctor, I went to a clinic. The doctor said they'd call if anything was wrong. If reduced kidney function (slighty reduced), elevated blood sugar, slightly high cholesterol and anemia isn't a reason to give me a call back, I don't know what is. *Will be moving back soon."


Who is the best and most affordable company to go through for homeowners insurance ?
Who is the best and most affordable company to go through for homeowners insurance ?


Help! I need auto insurance fast?
I'm 23 years old and need auto insurance immediately. I live in California and would prefer to have nationwide coverage. I am single, no kids. I'm really considering liability or something low-end because insurance here is a lot more than what I was paying in Pennsylvania. I am also a full-time student and heard that might get me a discount with some agencies. Any advice?"


missouri insurance chapter 380



How much I need to pay the road tax and all the insurances for a motorbike.?
Hi I am going to buy a motorbike (place UK exactly London)- nice chopper like yamaha or honda. How much and where I need to pay monthly the money (for using it on public roads and etc.). I know that car owners doing a monthly payment something about 100 pounds, please give me some advices I would like to know the real cost of it. Thank you very much. ( the motorbike max 500 cc)"


Homeowners insurance and plumbing repairs?
By chance, will homeowners insurance cover emergency or vital plumbing repairs?"


How much would insurance on a motorcycle be in Texas?
I am 20 and my car insurance is $70 a month and I know it will go down some when I turn 21 but I probably still will not be able to afford it. I have never received a ticket and was wondering about what my insurance would be if I was 21 and had a motorcycle?


Teen car insurance question?
Everyone knows that if you get good grades your insurance costs are lowered. i live california just so you know i dont know if it matters. but if i got about a D average my first semester and B+ or an A average second semester will they look at that or average them together. also any other tips to lower insurance costs... thanks ahead of time.


What is the best and most affordable insurance for baby?
Or is anyone know if there is any pediatrician for free? I live in California. Thanks


What health insurance company is the best value?
I want to sign up for health insurance but I'm not sure which company to go through as there are so many. I'm a 21 year old male with little income (about $1200 a month) with no dependents or job benefits. I went through the healthcare marketplace from the federal government which just said I need to get medicaid. I'm in the process of applying for medicaid as well. But if the medicaid doesn't work out or isn't very effective what is anyone's opinion on the best insurance company for me. I'm looking to spend only around $100 for a monthly premium. Any feedback will help me narrow it down and know what to consider. Thanks for the help.


How do I get a car registered which has no papers/plates and has sat for years?
I responded to a newspaper ad recently and bought a 1971 vw beetle. The car had no plates and no paperwork that I could find. There were several telltale signs that the car had sat a number of years, but I understood it to be a project. The seller said he had originally bought it at auction with the intent of using its (good) engine for a sand rail dune buggy, but that like many other good plans requires time. Once paid for, I was provided no bill of sale which I feel I was owed. It was as if the seller felt that since he had let the car go very cheap, that he owed no person any more, and if he did, he should've either charged more or wrecked it instead. Like he could have gone to the trouble but would be put out for something extraneous. The seller has a shop in an easy to find location, so it is not as if I cannot find him, and he doesn't appear to be trying to hide, hes just a strangely irritable and crotchety person."


What determines car insurance prices?
I'm going to get my first car soon. im 20 years old, been driving for a while, clean record. someone told me that the car you drive really makes a difference in the insurance price. Ive heard things like, white cars are cheapest, old cars are cheapest as well.. I dont knwo what car I'm buying but I want to get something that will get me a cheap insurance. So what shuld I get? An older car or a newer one? Also does color matter? things like that. thanks all!"


Insure The Box OR Admiral Car Insurance?
I got a quote from both and I don't know which one to do, both fully comprehensive. Insure The Box 1300 (telematics box) and Admiral 1950. I'm tempted to go with Insure The Box because it always the cheapest. Their policy works different to other insurers and some people has had issues with them and my parents aren't particularly fond of some of their terms and conditions, particularly the idea of buying more miles and being charged via direct debit when you go over the 6000 miles. I'm a new driver, 22 year old female and the idea of insure the box sounds appealing to me. I don't plan to drive my car everywhere I go so I don't think I will go over the 6000 miles. As this is my first year of driving, I really want to get the best economical policy. Admiral is nearly 700 more but they don't use the telematics box. This gives me more 'freedom' and privacy when driving unlike insure the box. Insure the box doesn't charge extra for driving at certain days and times like other similar insurers. If I choose insure the box, i will only do it for my 1st year of driving. I have tried other insurers but because I have no NCB, I couldn't get a quote."


My boyfriend just bought a new bike. Any suggestions for good MC insurance companies with affordable prices?
My boyfriend just bought a new bike. Any suggestions for good MC insurance companies with affordable prices?


Car Insurance Question - diminished value?
My car was struck form the rear, while parked. How can I make sure that I am able to collect the diminished value"""


Need help about home insurance?
Im buying my dads house and my insurance will not cover the home becuase the roof on the garage is bad. I would like to no where I could get insurance just for the home alone, does not have to cover any belongings of mine just something so I can get the loan for the house. I live in baltinore, Md, thanks for any help."


"Car insurance rates are extremely high, what if someone was rich and owned like 50 vehicles...?"
How much would their insurance be every 6 months to a year ( I know it varies by person, but lets say this guy is just an average driver maybe committed one accident in the last 15 years. Is male. ) He's a really rich person..."


Will my car insurance decrease every year?
I am in my first year with my car insurance in Ontario. Please tell me how it works. By the end of every year, will they re-calculate my insurance rate or keep it the same? Providing I have accident- and ticket-free history, will I be paying lower every year or not?"


Car insurance in differnt states ?
My grandmother lives in new Hampshire and there you do not need any insurance on your car , but in Connecticut by law you have to have it, so I was wondering if she comes to see us would she have to put insurance on her car to leave her state??"


missouri insurance chapter 380



How much is a g35 coupe insurance?
I am a 17 male and am about to buy a 2004 g35 and was wondering how much insurance was. I have a clean slate, no accidents or tickets. I have farmers insurance and was wondering how much my monthly insurance would be roughly? I have a good gpa of above 3.0 so doesn't that give me a discount?"


Driving on my twin brothers insurance?
I don't have car insurance but my twin brother does. Can I drive under his name? If the police stop me I can just say I'm so and so. And showing my brother license will prove because we are identical. What's the worst that can happen?


What is the best car insurance for a teen driver?
I need to find insurance for myself, and wanted to know what other people use or think is the best place to get it from. I need to pay for it by myself with out help form my parents too so it can't be to expensive. Is it cheaper to get my own or to add me to their account? I am using one of their cars if that makes a diffrence..."


What can I do to absolutely insure that I will get a score of 2300 or higher on the upcoming SAT exam?
My exam will take place on January 24, Saturday more, in just 6 days."


"I hit my friends car, they dont have insurance?"
I accidentally hit my friends car with my truck and it's pretty damaged. I apologized and said id call the insurance company. They said no because 1. The car.is up for repossession and 2. Because they don't have car.insurance! They supposedly went and got a quote to fix it and it's $1,200. They want me to GIVE them $1,200! I refuse because this is why I have insurance. What do I do?"


What does health insurance cover?
i recently turned 18 and am in need of Knee surgury. if i got health insurance right now, would it cover the surgury? or would it be like trying to get a totaled car insured? if insurance doesn't cover it, what should i do? i live in NJ."


Exactley how does term life insurance work?
Whats the difference between regular life insurance and term?How does term work?


What does insurance carrier mean?
So, I am filling out some information where they are asking me for my insurance carrier information but I dont know what that means (I'm 20). I know my health insurance is called healthfirst but I dont know what they mean by insurance carrier. Is the name of my insurance carrier healthfirst? If not, then where can I find this information?"


Does being diagnosed with Attention Deficit Disorder raise insurance rates?
So I am in college, and I just find it hard to think or concentrate. I am on Tricare, I don't know anything about it except that it is through the military, I get it because my dad was in the military, and I get to keep it for 4 more years. I am getting worried about school, and I want to go to a psychologist and see what they think, but I don't want my parents to pay more for insurance, or really even know that I went or got diagnosed or anything. So does anyone know anything about tricare or being diagnosed with ADD?"


Mustang or Miata for teen?
I'm 17 with about 2 years driving experience, always safe, not a single accident. I am thinking about buying my own car now and will be financing it since I only have $1000 for a down payment and I have a job to support monthly payments, maintenance, and gas. My parents will take care of insurance. I'm stuck between 2 cars, I can either get a nice 04 miata LS for 11k with 45k miles, or a 02-04 v6 mustang for around 5000 with around 80-90k miles. This will be my daily driver for work, school, and pleasure driving. I didn't want the GT version because insurance and gas will kill me. I also am looking to learn how to work on cars, so both of these are good beginner cars for learning. Which car would be cheaper to mod?"


Pittsburgh car (auto) insurance?
Where can I get auto insurance in Pittsburgh? What do you recommend? I bought a car recently and I'd like to find a cheap way to insure it.


What is a health insurance cartel?
Miggy says... It's said in the US that the health insurers are a cartel


Will auto insurance cover me on a new motorcycle purchase temporarily?
Hello, I'm in Texas and have valid auto insurance, I plan on purchasing a motorcycle tomorrow (I have the appropriate license as well). My question is, will my auto insurance cover me temporarily until I get motorcycle insurance? I know when you purchase a new vehicle you typically have up to 30 days to get it insured - I'm trying to determine if the same applies when purchasing a bike."


How much would insurance be for a seventeen year old female driving 1999 Chevrolet?
I wish to have full coverage so about how much would that amount to?


How much would this car insurance cost?
say... a 17 year old with a V8 mustang.. how much per month/year do you think it'd be? assuming i got the cheapest deal i could


missouri insurance chapter 380