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vermont insurance bulletin 184


   








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"My insurance plan says that I have to pay a $200 deductible for out of network coverage, why did I get hit with a $22,000 bill?"
I am a NYC employee. As such, I have really good insurance. I got a very specialized surgery at the Mayo Clinic in Phoenix. I was told by the department coordinator (not someone from billing) that I was given clearance by the insurance to have the surgery covered in-network"" because there was no surgeons in network that actually performed the surgery. Regardless"


If a woman is getting a divorce and has epilepsy does her husband still have to carry her on his insurance?
her medicine is expensive and she has tried to apply for insurance and was trned down


When does a car insurance policy pull your driving record?
I don't understand the comment about backdating of insurance charges.....does that mean they will bill you retroactively the difference between what the premium was in the past and what the premium should have been?


Which insurance company insures in the us and in canada?
question is in the title.


"Online resources, I need car insurance, but have a terrible driving record right now. Any suggestions?"
How can I get coverage at a decent rate when I have a crappy driving record?? Ive called about 4 different companies, the lowest rate i found was $209 a month for 6 months. I have 7 points on my record currently!! I cannot get insurance through my parents and i am not married so basically I'm screwed...or I should look into paying a driver to cart my butt around."


Estimate on drivers insurance?
Hello, i'm 16 years old and about to get my licence any ideas on how much insurance would cost me? My family has Allstate and i can qualify for the good student discount."


"Roth IRA v/s whole life insurance, which is better?"
I am frustrated with my current investment company that helped me set up my whole life insurance account. They have double charged me and added fees and hidden charges. In 2 months, there have been over $200 in extra charges or extra drafts to my account. This is in addition to the monthly premium I pay for my life insurance. I have heard that a roth IRA is better than whole life insurance, is this so, and why? If I were to die, will my wife be able to have access to that money? is there early withdrawl fees if I die before retirement age? I can't trust my current financial advisor, and I don't know where to turn. My credit union does not handle IRAs. HELP?"


Not all employers provide group hospital and health insurance.?
True or false?


Buying a home in south caroline?
Just wanted to know if Conway is near the Myrtle beach airport and how far it is from the beach. How much is real estate tax for a home for about 100,000 to 200,000? Are there any marina's close to Conway? Is there a city wage tax on income? How much is car insurance? We live in philadelphia and are tired of the area and the high cost of living. Thanks, Jeanete jhrone@comcast.net"


How can you get a car insurance estimate if you don't own a car and never have?
I just got my license a few months ago and may get a job in an area that is difficult to get to by public transportation. I want to find out how much it would cost me (roughly) for car insurance but I don't have a car (yet) and most sites I've found ask me a lot of vehicle information. How can I get a rough estimate for insurance, so I can figure out if it's even feasible for me to get a car. Thanks!"


Insurance for a 17 year old on a ninja 250?
hey im looking at getting a ninja 250r for a first bike. i choose a 250 because it is cheap, cheap to keep up, i could work on almost every job myself, it wont do a wheelie at 90 and kill me, gets 65 mpg highway, and is still as quick as a z28 0-60. what would the insurance be on a little 250 for an almost 18 year old with a perfect driving record, and almost all major discounts ( good student...etc)? i know you cant say for sure but would it be a doable amount since it is just a 250, or is it going way too much cuz im a teen?"


I was at-fault in a car accident. How much will it cost to repair? Should I report to insurance?
Here are the details of what happened: - I hit an illegally parked car, popping the side mirror out of it's place and scratching it slightly on the side. - My car's tire blew and the axle is completely f**ked up. It looks like my car is doing a turn-out in ballet. I also have to fix the bumper which popped out of place and the mirror popped out of place. How much will it cost if I take it to the Volvo dealership? - My car is a black 2006 Volvo V50 stationwagon. - Should I report this to insurance? How much will my insurance increase if I have AAA and this is my first accident on record?"


What are the steps needed to sell health insurance and/or become a broker/agent in Minnesota?
What are the steps needed to sell health insurance and/or become a broker/agent in Minnesota?


What is the cheapest insurance for a motorcycle...?
in New york state, age 18 male with licence and that class? lowest covers..just for the sake of insurance?"


Do I gotta be on my mom insurance?
Do I gotta be on my mom insurance to get my licence... I'm 17


vermont insurance bulletin 184



Help with moral dilemma with car insurance.?
Well money is tight right now and I'm shopping around for a new auto insurance. I live in CA and so far the cheapest one I've found is Mercury insurance. I was playing around with the different personal criteria having fun wondering if having a different profession or having a college degree would change the premium. I found one option significantly changed the price and that was if I selected a different location where I principally garaged my car. The premium changed by about $200 for a year of coverage. It was based on zip code and I put the one that I used while I was in college which is in northern CA but Im in southern CA. Would the insurance company ever find out about that or how would they know? I could make some excuse if it came down to it like I intended to park there since I was planning on attending graduate school there. I don't know if the insurance company could not cover me if they found this out. I don't know what to do. $200 is a lot now."""


Omg what do i do my dad wont put me on his car insurance and im under 19 so it costs more?
k so i am 18 years old i dont drink,smoke or do anything bad i am about to get a job that requires to me to drivee in order to be there on time. i have my permit, but my dad WILL NOT LET ME DRIVE. he thinks im crazy, and psychotic and i don't know what to do. i saved up enough money to buy a cheap 1000 car, but i need somebody to take me to get it. also he wont let me practice driving and i have a test for my license in february. im never gonna get it im gonna be a failure all b/c of him!!!! please tell me what i can do. oh also u have to be 21, in order to get ur license w/o parent/guardian consent. and i have no friends to drive me cause i just changed schools. i have no ride anywhere and im getting pissed cause that moron is gonna make me live on the streets if i buy a car. but then again id rather buy a car and live in it then live with him my moms even worse shes getting rid of her old car cause her dad is givinhg her a lexus for free and shed rather get7000 grand for it then give it to me and its my bday this week lol and her cars worth 3000 but shes lying to me o well lol"


Who can I get cheap health insurance through that covers from State to State?
move alot because my bf's job requires him to do so now and again. I have lived in a couple of States in the last year and we are due to move again but his job hasn't said where to yet. Is there a health insurance company that covers most (if not all) States that has reasonable pricing that I could get covered under? I just had a baby a few weeks ago and I am a homemaker with some not very nice health issues so I need to make sure I'm taking care of myself too (especially now). If you have any suggestions, please help. Thank you :)"


Baby on Indiana medicaid but husband (dad) has expensive Medical insurance?
Ok..first...you said paragraph 2..which says that i left out info knowing so..which I NEVER DID! They asked for the info about him after the baby was born and i gave to them. 6 months AFTER I sent that info in, they are JUST NOW sending him this paper to fill out. The baby was NEVER under his insurance. NEVVEERRR!! He is the only one on it and as soon as the company is back at his job, he is going to do away with it because its sooo expensive. Im not sure what your talking about really. As for the money the second person said...i have a 10 yr old and he is on it. They have all my info regarding him. The paper they sent us in the mail only had the babies name on it. i did at one time have medical and dental insurance..WAYY back 5 plus yrs about, they knew about it, and still covered my 10 yr old. i was making 13 bucks an hour to. He makes 10 an hour and his hours go from 30-40 hours a week. Since the baby was born , we never re applied for food stamps either. they told me"


Do you have to buy insurance before you get a car?
I would like to buy an used car (from a private owner). But I was told before I do that I must have a license, tag and insurance on the car. But another person told me that its best for me to get the car first and then get the other stuff... I am so confused.. which way is the best way for me to do? please help."


Is it illegal to drive without car insurance?
My Sister has car insurance and she told me to take her to her destination, but i don't have car insurance under my name and im afraid that if i get pulled over for some odd reason and ill get busted for not having insurance."


Unitrin Direct Auto Insurance (Any good?)?
Asked by: hyphenga-ga I recently responded to an e-mail for a free auto insurance price quote (I'm in California). I wasn't really looking to shop around - and wasn't planning to switch companies to save a buck or two, but I was kinda shocked when the price quote I got from Unitrin Direct (same coverage limits and deductibles) was $510 less than I'm paying now. I called and asked what the catch was and they said they sell direct with no agents/offices and pass the savings onto the customer (logical, but obviously scripted answer). They also touted an A.M. Best Excellent"" rating"


How Good is Blue Cross Blue Shield? Health Insurance.?
So, I'm 20, healthy, and everything, but I'm thinking about blue cross blue shield. Has anyone had them. bad vs good. What you know. and all!"


3.0 GPA car insurance discount?
I applied for the discount during high school, back then my gpa was 4.2 so it was more than fine. Now I fked up my college life and only have a 2.9, so would they require me to submit the GPA again? or if I continued using their car insurance, they won't ask?"


Where can you find the best/cheapest car insurance for a 17 year old?
I am 17 years old and I hav recently jst passed my driving test. I was wondering where i can find the cheapest car insurance. Preferably, i would like to put myself as second driver of the car (under my dads name who is the main driver). But does any1 kno where i can find the cheapest car insurance for someone my age? Thanx in advance."


What is the best insurance company to go through for motorcycle insurance?
Sorry for leaving this out, but what would be the best company for a new motorcycle driver/rider?"


I want to insure my car for only 4 months?
Can I do this and if so how? and what is the cheapest way? I used to be with Direct Line but canceled it when I went to Uni. Now I want my car back on the road but only for the summer holidays. Any company suggestions and how much it would cost would be great, its an M reg ford fiesta and im 19 if that makes any difference. Please help, Thanks :-)"


"Insurance, I need a awnser.?
I bought a car with some cosmetic damage. It needs a new quarter panel. If I get insurance on the car will they fix that?


"What would be a good first car (used, not new)...see details?
a) Pontiac Grand Prix b) Oldsmobile Alero c) Honda Accord (90s) d) Ford Mustang (late 90s-early 2000s) e) Something else.....ideas?????


Should I get life insurance?
My mom and I live together. I am 43 disabled male, and my mom is going to be 76 in september. We have no debt, but no savings. We live in a ranch which is reverse mortgaged, and when my mom dies it will go to the bank. I can buy a 15yr 100,000 dollar policy at 285 a month. We will have enough of money after the Premium to live off from. Do I start a savings account or do I buy the insurance?"


vermont insurance bulletin 184



Insurance estimation for a 1998 - 2001 Mitsubishi Eclipse for a 17 year old?
Hi, i am 17 years old, active duty in the military an i am trying to buy a Mitsubishi Eclipse, although my mom keeps telling me that my insurance will be through the roof. Does anyone have an idea of how much it might cost me? For full coverage, in California? I understand that the Eclipses have a high death rate because they are quick, an teenagers tend to test the waters a little bit. However i am a responsible driver but i do want either an Eclipse or a Trans Am. Your time is much appreciated:) thank you!!"


"How much does horse insurance cost you a month, year, etc.?"
I know I could call for a quote, but I'm 13! I really want a horse and my mom said I might be able to get one if I made sure that she wouldn't have to pay thousands of dollars in vet bills. So I know how every horse is different and the price depends on like how old the horse is, but I basically know nothing about insurance!!! I want to know if it could somehow be added on to our medical, car, house, etc insurance. I also want to know how I can get full coverage, but not pay too much. Around $10-$20 a month is the highest I can go. So who are you insured with, how much do you pay, if you have more than one horse round the price up for one, what do you think I should do??? Thanks!!!"


Help to find low cost health insurance for my family . we live in MN?
We where denied insurance for families with low income, but told that once my husband is layed off for the winter we MAY get on it. He will only be layed off 3 mths and we don't want to switch back & forth. We want 1 health insurance plan that we can stick with that is low cost. If u live in MN and could tell us of one that would be great...thanx"


Heath insurance?
the comapny i work for is taking insurance premium out but the insurance premium is not being paid.......what can we do as employees?


Car Insurance (Geico) ?
My parents don't have me on their insurance but I have a license does geico know I have my licence beccause I live with my parents? And by how much will they raise the insurance cost if they put me on? they put my sister on it a couple years ago and it went up $1000


What is a good life insurance company?
I have been looking into Garden State and Globe. Do any of you use them? Who do you use as your life insurance holder? I am going to look around Monday with local companies but I have been looking around online. It will be for myself, my husband, and your 1 year old daughter(only a small one in case something happened and it would be for burial)."


How can you justify paying this much for insurance?
my insurance was canceled on my a month ago so im shopping around. i have a friend who is a broker who recommended using progressive - for $711 a month. wtf. i have 1 speeding ticket, 1 minor traffic violation, and one comp claim. i used to have state farm and the most i ever paid was $240 a month. this is just wrong in all respects. how do they expect any 21 year old to pay that much? thats a rent payment. i have an 05 scion tc, im wondering if buying a cheap beater would affect the price at all."


Parents wont let me drive because im not on car insurance?!?
'm 17 now, and I'm planning on getting my license sometime this month. I was really planning on driving to school everyday after I recieved my license. But my parents flat out said NO, because I'm not covered by insurance. They say its way too expensive, and that I'm going off to college anyway next year (i dont plan on driving while im there). I'm really sick of taking the school bus! I just wanna drive to school. but insurance for teens is mad expensive. are there ways to lower the cost? and about average, how much is it anyway? i get good grades. all A's and very rarely B's. and i've taken drivers ed before too. anything else that would help? just any tips on how i can convince my parents to get my car insurance??!"


FLORIDA: where do I find cheap auto insurance.....?
in the state of Florida?


What is the best auto insurance company?
i live in Chicago, Il and whant 2 know the best auto insurance company."


Is there short term car insurance?
I am going on a trip, and i am going to borrow a car from someone, and they don't have insurance on it..I wanted to know if i could get temporary insurance on it.."


Motorcycle Insurance Question....?
I live in San Diego California. I was wondering how much do you think i would have to pay for insurance if im 20 and my brother is 25? He has an 08 Kawasaki 650R I have an 08 ZX6R


What kind of earthquake insurance to you other California condo owners have?
Our HOA has some coverage, but I'm looking for supplemental insurance to cover meals and hotels if necessary, special assessments, things like that. Any ideas?"


Sprint insurance question.?
Can you only start insurance on your phone when you get it, or can you put insurance on it whenever you want? My phone is acting up and i've been on the contract for a few months now. Can I put insurance on the phone and then have the phone replaced with a new one?"


Is it normal for an insurance company to ask for power of attorney?
My car was totaled and the other party was at fault. The other party's insurance company valued my car at $10,000 and I still owe $3,000. They said they needed a promissory note from the bank that they will receive the title after payoff. Their insurance company has also asked me to sign a power of attorney form. They say that after they receive the POA form, half of payment will be sent to me, then after they receive the title for the car, they will send the other half. Is this normal protocol? I'm worried that I sign the POA form and they will get the title and only pay half or not pay at all. After all, what is stopping them from doing that?"


vermont insurance bulletin 184