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ohio insurance bulletin 2000-3


   








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What is the best dog insurance I should get for my new puppy?
I'm picking up my new puppy today and I am looking into insurance. Anyone recommend any? thanks! =)


Homeowners insurance vs. property taxes?
which typically costs more homeowners insurance or property taxes?


Who must have auto insurance?..?
Who must have auto insurance?


Can anyone give me advice about buying my first car?
I am an experienced driver, but i've never owned a car before... How affordable is leasing or financing.... ANY advice at all will help."


Life insurance and interest?
I asked a question a while back about how long you had to claim an insurance policy. Looks like there is no time limitation. I should have been more clear. These are the little life insurances that you get for free with some credit cards. About $1,000 to $5,000 for free (nothing you pay for - just a benefit). I also was questioning for the ones that you get free from work. Also, some credit unions give you a bit of free insurance just for opening an account in the hopes that you will sign up for more. I got one good answer from someone mrcatz But two other answers stated something about the interest growing. And now I'm confused. What do they mean by interest growing? I imagine they are talking about those whole life policies. But once you stop paying the premium, wouldn't these policies cancell? Someone would get a bill, and realize that there is life insurance out there and claim it. I was inquriing more towards the ones that you might not know about and have no knowldege of, since it can take a serious amount of time to find them in all the paperwork. These types don't pay interest since they are freebies - right?"


Is it okay to buy 30 year term life insurance?
What are the advantages and disadvantages of buying 30 year term life insurance instead of buying whole life insurance? I'm 30 years old and I a father of a beautiful 8-month old daughter and I don't smoke.


Wantings to buy Renter's Insurance?
I want to have renters insurance. How long do I have to wait to make a claim


Insurance rate for a 16 year old?
what would the monthly insurance rate be for a 16 year old driving a 2013 camaro ss v8 engine? thanks!!


Is medical negligence basis for making an appeal to a denied insurance claim?
It didn't have me include any basic details, so I'll try adding here: I went to the ER after nearly passing out at work, with a sever cough, and nausea. I was diagnosed with a viral infection"" (nothing was done other than a prescription for an inhaler). Over night"


Health insurance benefits and costs between MA and IL?
Hi. One year ago I moved from MA to IL. I was really surprised to find out that MA has not much insurance companies and those have very high premiums and limited choice (HMO AND PPO). Like I am 19 and student. The average cost in MA would be for me min $290 for HMO (and I think required PCP sucks) and min $400 for PPO with deductible $5000 (BCBS)! Wow. Here in Illinois for about $140 I can have PPO with deductible just $250 and copays for doctors and prescriptions (BCBSIL). I have also found New York state has also very generous and expensive health insurance. What it is that these states have very expensive premiums and limited choice in selecting plans (for ex deductibles and copays and RX coverage)? Not everyone for ex needs coverage for prescription and that lowers monthly premium? so why? I guess these are some state legislations, but why not handful for citizens? Can someone answer my questions?"


Life insurance question - term life and term life with return of premium?
Also, would we be able to buy term insurance online from these companies, and have guaranteed conversion and renewal (are these the two things I need?) (when purchased online)? - without going in to the agent's office or having an agent come to the office? One visit for health assessment is fine. We just can't have that many appointments while comparison shopping. Thanks!"


Can you give me examples of how Obama care will drive up the cost of health insurance for employers.?
Im not totaly clear how and why exactly obama care is going to hike the cost of insuring employees. And are employers the only ones being effected by this new law mandating them buy health insurance for the federal goverment?


Help with insurance prices?
I was wondering what the cost of these cars would be for a 16 year old male or just a list of most expensive to insure to cheapest to insure. 2006 Chrysler 300 touring 50000 miles 2007 dodge charger sxt 40000 miles 2006 chevy cobalt ss not sc or tc 60000 miles


Cheapest Life Insurance ?
Cheapest Life Insurance ?


Can I Still Be Covered Under My Parents Car Insurance?
Im currently under my parents car insurance policy, I got married not too long ago and was wondering since I got married can I still be under their car insurance? Thanks"


ohio insurance bulletin 2000-3



What is the cheapest car insurance for teens to buy themselves?
I'm 19 years old and shortly will buy my own car. I'm trying to be independent and need to buy my own affordable car insurance for my car. The quotes from name brand insurance co. like geico and progressive are between $800-$1300/mo. That is so crazy and obviously cannot afford that. Does anybody know where I can find reasonable priced insurance (non name brands) that just covers the minimum? My budget is $100 and less. BTW, I live in SouthFlorida."


I would like to know which is the average prize for a scooter insurance?
I would like to buy a new scooter, i don't know yet which one exacly but it' s probably going to be a 250cc or 125cc , prize around 2000 - 3000. I would just like to know which can be the average prize to insure it, as I checked on the net for a quote but all of of them ask me for my details and everything....I am a little bit scared to give my all my details away to an unknown website over the internet, so I was just wondering if somebody could give me at least an idea on the average scooter insurance prize ( I know I know, I am so inexperinced about this things!!! ) By the way, my age is 32, if that makes the difference Thank you very much for your help in advance."


Can the insurance do this? Car insurance.?
I was in a wreck a few weeks ago. The lady who rear ended me has the same insurance as I do. I filed a claim and a fellow church member owns a body shop. I asked him to do the work, he agreed. But, the insurance claims that they will not give him a check until he can order the parts in advance. That is way too expensive and can they really expect him to order these up front? It makes me VERY angry that they could be so stupid and negligent to make him order them up front. He said that he does not have that money to be ordering my parts up front. Can I turn them in for this? They really are messing up."


Does it cost anything to add someone to your insurance policy?
Does it cost anything to add someone to your insurance policy?


Ca dmv insurance online?
heres the deal. i want to renew my tags online but it says my insurance needs to be on dmv file to be able to do that. so is there a online system i can file my insurance on or do i still have to go to dmv to do that


I live in up state newyork need some help with finding some affordable health insurance.?
I live in up state newyork need some help with finding some affordable health insurance.?


Will Ryan's plan force insurance companies to sell to 'granny? Will 'granny' be forced to buy insurance?
For customers at sixty five, health insurance companies will be inclined to not sell to that age group. Can they be forced to do so by the 'government'? Will health insurance companies be forced to forgo all of their pricing and underwriting rules by government decree to make insurance 'affordable'? Will 'granny' have enough income to buy health insurance even with Ryan's voucher? If granny doesn't pay up and gets sick...will the HEALTH CARE industry treat her anyway? Then who pays? Could congress cancel this voucher program at some point leaving granny up the creek? Can the government actually force granny to buy health insurance insurance? The Affordable Care Act is a 'tax', so it's constitutional. The GOP made the argument that it's not constitutional to force American citizens to purchase insurance...will they reconsider that under Ryan's voucher plan? Will the vouchers cover enough of the expense to make them worthwhile? What percent will that be? This is a real can of worms. Besides, why bother? Social Security and Medicare can't go broke for the same reason the Dept. of Defense can't 'go broke'...All the money comes out of the same pocket...it just depends on what we want to spend it on. Thoughtful answers if you have any!"


Can someone help me with a Corporate Insurance estimate?
I'm creating a business proposal and business plan for some investors, and I need a estimate on how much insurance does the business I'm creating would need. Some of the stats: - Its a new business so 0 years in experience, but the administrators and owners will have over 10 years exp. - Its a game that can be played all around the country, via portals much like slot machines. Each one is estimated in costing 6,700 dollars. We want to implement 1000 units. - It can generate over 100 million dollars in a single year. - The main office is going to be purchased, and it's value is of 1.3 Million. 3 floors 6000sq feet. - We are estimating around 30 full time employees. We want health and workers comp with all of the benefits. - We are going to have 5 corporate cars 2 Pickups 09 Tacoma valued at $28,625 and 3 Yaris valued at $15,980. - We want Liability, Fire, Burglary, Theft, the works. In terms of Liability estimated around $2,000,000 - $10,000,000. Hope you guys can help me out. And thank you in advance for your response!"


"Stupid car insurance, doesn't want to pay?"
My car was parked at the street and another car crash with my car. The insurance company of the other driver doesn't want to pay the full repair. They want me to pay for what they don't want to pay. I recently contacted a lawyer but he toll me that the insurance company can pay you or repair only what they want. I think that this lawyer sucks. The thing is that I took my car to the shop before I knew that the insurance company would not pay the full repair, and now the car has been repair only part of it. Anyways, in the future if you find yourself in a situation like this, tell the insurance company that you don't want the car and that you want them to pay you the price of the car before taking it to any shop. or may be it depends on the insurance company"


Do you have to have car insurance to legally drive?
Do you? and do you have to have car insurance to buy a used car say from maybe someone on craigslist? can you get a license plate for your new used car if you don't have car insurance?


Car Registration and Insurance Company?
So, here is my predicament. A person wrecked into my car (while it was parked) and her Insurance Company (State Farm) has already sent out a person to do estimates and told me it is a Total Loss, which is fine, they offered me a lot more then blue book says, BUT my issue at the moment is, they told me I need to get my registration up to date before they would deal with me anymore (Was expired by a month cause my lack of insurance). So I rode up to a Tag Agency and got a Black Tag (In Oklahoma, we have color coated Registration stickers that we put on our License Plate) A Black Tag means it is not being driven and is parked but is up to date on being registered. So they told me they would call me back when it shows in their system I have registered my tags to up-to-date, and I called them today, which was over 48 hours after getting registration and they are still telling me they haven't heard anything. So I'm curious, did I do something wrong or is the Tag Agency slow? Or Insurance Company slow? (I'm impatient cause I need a car ASAP for work.)"


How does dental insurance work? Is it worth it for me?
I ve been on my own since I could remember & I didnt have parents to tell me about insurance and such. I had 2 filings that came out like a year ago and im pretty sure I have a couple new cavities :(. I wanted to get these problems figured out first and then move on to maybe invisalign or braces because I have a growing overbite and my bottom teeth and top ones are crooked. I know its going to cost alot of money especially when you put braces in the mix so I was just trying to look at options and Im trying to see if dental insurance is one of them


Can you have your SR22 insurance with a different insurance from you auto insurance?
I have my SR22 insurance with one company andy my auto insurance with another company? Is this OK?


Car insurance construction site?
Hi, I need some help to clear up this matter. I was in an accident about one year ago, driving my boss' car. Unfortunately I got into an accident with a parked car trying to avoid a forklift. I'm at fault according to the police officer. (I'm not gonna argue with that). However, she said she can't suspend or charge me with reckless driving because it was on an 'unassumed road' and technically on private property. The owner of the other car agreed not to make an insurance claim. So I bought him a used car+certified. My question is. If he makes a claim now, does it ruin my insurance history ? (I had no insurance at the time) What happens to my record?? Can I fight it, he signed a types up note saying he will not make a claim. Nor try to pursue this in any matter after the exchange of the new car I got him. Nor go after my old boss. Much appreciated for any advice."


Should a Physicians office require cash payment and retain insurance payment?
I went in for a routine eye exam. The office manager required payment after services, then submitted claim to insurance company . Soon I received a letter from insurance stating the procedure was covered and payable. weeks went by and no check no calls nothing. Finally I took my paper in and the manager said that I will receive a credit towards other services. What kind of BS is this? I would think it was my money and not for them to decide what to do with it."


ohio insurance bulletin 2000-3



Provisional Driving Insurance?
Does it require dual controls too ?


Can I be denied health insurance after changing jobs with a pre-existing condition?
I'm considering leaving my current job for another one if I get the offer. Under my current job I was diagnosed with a heart condition, not fatal, but does require monitoring every 3-6 months to ensure my heart is functioning properly. Knowing this condition exists, can the benefits under the new job deny me of health insurance? Or, would I have to pay a higher premium? If the health insurance of my old job is the same provider as my new job, would that help or hurt since they know I have a pre-existing condition?"


Whats the cheapest place in rochester ny for car insurance?
im 18 with a permit and i want to put my 1988 audi quattro 90 on the road,,but i was wondering what would be the cheaest place in rochester ny to go to?"


What would my car insurance be?
i am a boy about to turn 16 and i wanted a nice car i really want a standard sports car. any ideas on how much i would have to pay a month?


What are the best pet insurance companies?
Does anyone know if PetsBest Insurance is a good one for cats? Thanks!


How flexible are life insurance quotes. Can I negotiate with company for a better rate.?
I got a quote for my family and me for life insurance (20 years/400K each). I would like to negotiate a better rate with the broker (assuming same coverage).Can it be done, or are the rates fixed, is there room to negotiate. we did the blood work and were offered standard rates."


What's the average state-farm-auto-insurance quote?
For a young woman getting her first car under her name with good grades (good student discount)? I'm trying to find out for a friend getting her first car . . . . . free lessons (video) how insurance works: http://wholeproxy.cn/health-insurance.html


US Maternity Health Insurance?
Hi, I am looking forward to give birth in America so I need to know what kind of Maternity International Health Insurance I need since I am not an US citizen. I need a 1 to 6 months insurance. Can you provide some Companies' names or more info please? Or an approximated price? Thanks."


How much more would insurance be for 16 year old with a V8 mustang as opposed to a 6 cylinder one?
I would be on my parents plan at state farm, I just want to ask before i call. I get to chose my car so i am just researching. They would be about the year 2000 with no problems. Also my parents have perfect driving records."


Looking for an insurance plan to switch to with good maternity?
I'm getting married in less than a month & will no longer be on my insurance, my husband to be can stay on his till he's 26 however my current job doesn't offer me anything at the moment. I'm in search of a good plan that is affordable and we are looking to start a family later in the year/early next year so i wanted something that would help cover maternity as well. I don't want any government offered type of deal either. Just need any suggestions, sites, plans to look up and research or any personal feedback. Thanks on advance"


Question about car insurance claims?
Over the holidays I backed into a distant relatives car. It did some minor damage and I resolved to pay for it out of pocket. Now they are coming to me and telling me the estimates they have gotten so far, far exceed expectations of the damage and that I should just make a claim on my car insurance. If I were to do that, does the insurance company pay the person, or do they pay the repair shop directly? I am trying to figure out if this guy is just trying to get a big check from my insurance. I still have yet to see an estimate. I am committed to fixing the damage I caused to my future cousin in laws car. But I don't understand why he is so intent on me putting a claim against my insurance."


How can I get cheaper car insurance at 17?
How can I get cheaper car insurance at 17?


Health Insurance Florida?
is there any health insurance available for a 23 year old in the state of Florida I make $600 a month but I don't have much leftover after I pay bills and the free clinic is always very crowded I can never see a doctor and I know my health is very bad so is there any health insurance that is similar to Medicaid I used to have that when I was a kid and you were able to see a doctor with that I am hoping to find insurance that's is affordable and doctor offices will accept thanks in advance


Am I better off not reporting vandalism to my auto insurance?
My back window was smashed out, and I appear to have a $500 deductable for comprehensive insurance. If I can get the window fixed for less than that, is there any point in telling my auto ins? If I do tell them, will they raise my rates? Any harm in not telling them? Thanks!"


Insurance for motorcycle rates.?
Since others said there are to many variables i'll list out as many as I can that they stated . Kawasaki Ninja 300r 2013 will be parked in a small garage, I will be getting a BCR licence to go with it, and I live in Zion, Illinois. The use of the motorcycle will be to get me from home to school which is only a mile and to get me to a job that is within 10 miles. I'll be 16 when I buy it and I don't plan on doing any sport racing or stunts so whats a rough estimate, once again without the referral of a website quote."


ohio insurance bulletin 2000-3