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indiana insurance bulletin 152


   








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Motorbike Insurance/Tax/SORN/MOT need help!?
Hi, I recently bought my first motorbike a few month in advance of my 17th birthday, with the intention to ride it once im 17. When i got the bike, it had no MOT or road tax and it was registered as SORN (meaning it was registered as being off the road). So i filled in the registration document, rang up the DVLA and re-registered the vehicle as SORN again. The thing i would like to know is, when it comes to the time of my 17th birthday, in what order do i get each of the things, for example, would i get the MOT before the roadtax and if so how would i get my bike to the MOT centre without having roadtax, and would i still be able to get insured on an untaxed bike with no MOT? So basicly, what order do i get the insurance, MOT and roadtax in? Sorry i hope this made sense i have tried to describe it in the best way possible, thanks for any help."


Determining how much car insurance will rise after an accident?
I was in a car accident recently, my fault, and I totaled my car. The truck I hit has only $175 of damages on it. So how will my insurance company determine how much my insurance will go up? Do they just go on how much damage they have to pay for on the other car? Or do they raise it because I'm not a safe driver"" and I'm now more liable to be in more accidents?"""


Does anyone know of a company that will give life insurance to someone diagnosed with cancer?
Does anyone know of a company that will give life insurance to someone diagnosed with cancer?


How much time do you have to get car insurance after buying a car?
I'm considering buying a car insurance, I've been driving for years but none of the cars have actually been in my name and my mom has me on her plan. If I buy a car I'll need insurance, how much time would I have to get it?"


Car accident and insurance procedures?
I got into a car accident yesterday. I wasn't at fault for the accident, and I know my car is totaled. I was wondering how the whole thing will go down with the insurance and what the process is going to be. I filed a claim with my insurance co. and am waiting for them to call me up. I was wondering if the other person's insurance has to pay for my car and what not. I am also wondering if there will be any consolation since the other driver was dui."


Is full comp' car insurance worth having ?
Apart from paying lower premiums and having to pay for repairs to ones own vehicle are there any disadvantages to just having third party fire and theft insurance ? I've had full comp for years, my car (10 years old ) was walloped by an unknown driver reversing in my driveway which caused broken lights and superficial bodywork damage, I've since been told by my insurance company that it's not economically viable to repair it - they would write it off less a 150 excess fee. Apparently, according to my garage this is common practise on any car over five years old. Yet at no time did the insurance company advise me of this so essentially I was paying extra for nothing. So, do you know of any other reason why I should keep the full comp' or just change to third party ?"


Whats the cheapest auto insurance for California?
Whats the cheapest auto insurance for California?


Car insurance????????????
how long before my insurance is up will i recieve my renewal quote?


Car accident question and if I need to report to insurance company?
Ok so here's the scene, I'm backing out of my driveway from my garage. My friend parked his car at the end of driveway (he was leaving but parked there to answer a phone call). My driveway is a downhill so when I backed I couldn't see his car there. Anyway, I backed into his car and caused a minor scatch. Unfortunately, his car is a new BMW and he needs to fix it. The police came and said it is under $1000 fix and it is up to us if we report to our insurance company or not. So now I am waiting him to get a estimate to fix. What do I need to do? I guess it is my full responsibility since I am moving and he is still. If the fix fee is under $1000, do I need to report to my insurance company? How much does the insurance usually increase due to this kind accident? thanks


Insurance cost/ 19 yr/ female/ Toyota Celica?
I have had my license since I was sixteen years old. No accidents, no tickets, nothing. I have had drivers training and completed the program. I currently have a G2 License, drive without anyone. I live in Ontario. What do you think the insurance costs would be approximately? What do you pay for a sports car, if you have one? Yes I know it's apparently considered a sports car.. I dont want it for the speed. I like the interior and look of the car. Thankyou!"


Exactly what would be wrong with letting each state determine it's own health insurance reform?
Is there some reason why DC is better suited to reform health insurance (obviously they aren't any good at it, given the debacle we've seen already) than Albany or Indianapolis?"


Have you heard of Bristol West Insurance Group?
I'm a new driver, so I suppose people would see me as a risk. Because I'm a new driver the rates I've been quoted are insane. From the major companies, I was quoted between $370 to $485 per month. Bristol West would be like $250 to $275. If you all have suggestions for a great insurance companies with low rates, by all means feel free to list them here."


Who's a good health insurance provider?
I was looking to get some health insurance soon outside of my job. What insurance company has something affordable for someone like me? 24 year old male no health problems non smoker.


Auto Insurance Inclined Person ?
My Husband was in a auto accident back in May 2009 He was in a friends car ,And they were rear ended by a old lady that mistook the gas for the brake they all substained back injuries and after therapy,steroid shots in my husbands back he now has to have back surgery... we found out this procedure costs like 150,000 - 200,000 dollars the ladies insurance is 250,000 per person and 500,000 per accident can someone please shed some light on this for me We already have approx. 40,000 in existing bills and this back surgery puts a max on the 250,000 per person .. So does this mean that there is no money for compensasion from this accident for my husband how does this work when medical costs exceed the persons insurance ???"


How much is car insurance for me as a young driver?
I was just wondering how much people normally pay on car insurance because im sure im being quoted wrong. Im male and 21 and wanted insurance for an old corsa or pergeot or just any car which is cheap on insurance...


indiana insurance bulletin 152



Is it illegal in California to drive an insured car even though you're not insured?
I heard that in the state of California, as long as the car itself is insured, it doesnt matter if the driver himself/herself is insured or not, and that the driver needs to be insured only if he/she is driving a car that isn't insured. Let's say a teen driver wants to drove his/her parents' car, but the teen isn't listed, but not excluded, from the insurance plan. As long as the car is covered, its okay for the teen to drive it. The only exception is if the parents put on the insurance plan that the teen is excluded from the plan ('____ is excluded from the plan'). Is any of this true? Thanks in advance."


What is the best Health insurance for the smallest price possible?
My husband has had stomach problems for the last 3 years now. He hasn't been diagnosed with anything so they can't say it is an existing condition. Anyways, we don't have a lot of money. I have insurance with the company that I work for and it would cost litterally $300 a month to add my husband to my insurance, I pay about $20 total, and my husband is added to the dental and the eye insurance so that $20 is mainly for him I have about $75 that I can afford to pay, and I don't even have that really, but I know he needs it if he is going to get better any time soon so I will make sacrifices. How would I go about finding an insurance company that we can afford that won't be a complete waste of money. I mean if I pay $75 a month and I still have to pay 50% of anything done, that isn't going to help a whole lot."


What does liability mean when getting auto insurance?
What does liability mean when getting auto insurance?


How close is Geico's quote to what you actually get?
I will be purchasing insurance from geico and was wondering how close their quote is to what you will be paying? The sales guy told me it might be higher or lower than the online quote. Has anyone had any experience with this? What are the factors that would cause either an increase or decrease in the online quote when you're actually purchasing? The online quote seemed like it asked for your social security so it clearly did a credit check too.


Is a Harley Heritage Softail a good first bike?
I am 47 years old, 5'9 tall"


How much will insurance cost after getting a DUI?
Not everyone can be perfect like you KIZZLE"". Some people actually make mistakes! Imagine that."""


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."


How much will my insurance go up?
A few weekends ago I backed into someone's car who was parked. The damage was not extremely significant; it gave him a small scratch that will be easily buffed out and a small-ish dent more on the underside of the bumper. I gave the guy my insurance info and everything, and he is going to file a claim. My question is, since the accident is pretty minor (thankfully) will my insurance skyrocket or anything? I am unfortunately a 17 year old male who recently got his license a few months ago, so I know that doesn't help. Any ideas?"


Is it unsafe to get a home loan with no deposit?
I would really like to take advantage of the first home buyers grant but will not have a deposit in time. I have looked at no deposit home loans but have heard they can be dangerous. Is that true?


Piaggio ape 50cc Insurace Please HELP?
Okay I'm 17 and looking at getting a Piaggio ape 50cc to drive around i live in a town in the uk, I have looked for a number plate to get a example of cost on insurance as if its loads I wont be able to get it! I'm pretty sure I don't need full licence to drive just CBT as I don't have full licence!"


Can anyone answer my health insurance question?
If I work for a temp agency, what's the cheapest health insurance I could purchase other than Obamacare? Some have told me to get Medicare or Gateway Health, but I'm not sure. Thanks for your help!"


Will Obamacare really convince people to buy health insurance?
I heard that the penalty is lower than the cost of cheap health insurance. Are there any other provisions that would coerce people to buy health insurance?


How much does it cost to put myself on car insurance ?
I'm an 18 year old male. I drive a red 2009 jetta sport. How much do I have to pay to put myself on the the car insurance. And how much will I pay monthly ? Oh an btw. I just got the car yesterday and I'm trying to get State Farm. Thank you!


Insurance BIN Number?
I need to bring my insurance information to the pharmacy in order to get my prescription costs down. They asked for me to bring several numbers, such as ID #, Group #, etc. I got that, but it also asks for a BIN #"". I don't know what that is or where to get that info"


I Scratched another car how much will my insurance go up?
While backing up at a gas station I bumped into a guys car and left a dime size bump on his car how much do you think it will cost? and how much will my insurance go up?


indiana insurance bulletin 152



Will my car insurance go up if i buy a new car?
i am currently driving a used 99 honda civic. suppose if i buy an all new 2012 toyota camry. Will my car insurance go up? i am currently 18, and my car insurance cost me 800usd for 6 month. and should college students like me buy an all new car?"


Can you get maternity insurance only? Without regular health insurance included?
I am not pregnant yet.


What is a good name for a Spanish speaking Insurance Agency?
I am opening a Spanish speaking Insurance Agency and need a name. I need some sincere suggestions. Will be much appreciated.


I m moving from FL to AL - Just turned 20 and I got my drivers license last September. Will I need to retake any tests to get an AL license?
I m moving from FL to AL - Just turned 20 and I got my drivers license last September. Will I need to retake any tests to get an AL license?


Do insurance companies cover a chiropractor after an accident?
i was rear ended and had to see a chiropractor because of severe whiplash. the insurance company of the girl who hit me is offering a settlement and almost half of it will be going to pay for the chiropractor bill. is this right? why wouldnt health insurance cover this, or why would i have to pay for it out of my settlement when it was not even my fault?"


Homeowners insurance dropped us after fire not our fault?
Is it legal for our homeowners insurance to drop our policy after a fire? The fires cause is listed as unknown but was NOT arson. This is the only claim made to our insurance. Anyone know any insurance companies who might sell us insurance if it is legal for our company to drop us?


Cheap Car Insurance UK?
I have been looking at quotes for a while now and I keep on getting the quotes for around 3,000+, there is no way I am paying that. Before anyone suggests go on your parents insurance"" or ""get a provisional"" not happening"


Car insurance for 17 yr old in south texas?
what is the cheapest car insurance for a 17 yr old in south texas v8 2007 mustang standard went thru and passed driving school with about a B+ gets good grades in school no crashes or tickets of any kind the car is paid off gonna get married after highschool around 18 1/2 yrs black car the mother has USAA is this cheaper than most places?


What is the best car insurance for a 27 year old guy?
right now i pay about $250 / month for my car insurance with progressive. i got a dui 4 years ago (stupid [and costly] mistake and changed my life since then), and i bought a new car in 2011. i'm also 27 years old. does anyone know of a better company that could offer me a better rate? thanks"


How much should I be paying for Car Insurance? - 99 Honda Accord 26yr old male?
I have a 1999 Honda Accord , Fair condition, 124,000 miles. I am paying aprox 1500 per year for my plan. I am 26 with some points . Last Ticket was in Jan 2005 speeding, one other ticket in 2004. Clean since then. One accident that was not my fault. Should I drop my collison and does anyone have an idea on what a typical plan would run me? I feel like a 1500 dollar plan on a car that is worth 4500-5000 blue book car is a bit much. Thanks"


Is Long Term Care insurance worth it for a 35 year old in good health?
I'm having major surgery (jaw surgery) in August of 2015. If there are any complications and I am unable to work, would this cover it?"


I cant get car insurance because I have bad credit?
please help! I have just passed my driving test and having a problem getting car insurance im 22 and i got bad credit from catalogs loans and overdrawn i dont own anything like a house i cant even get a contract phone i wont pass the credit check criteria mine is so low its now at 120 points i want to pay my car insurance monthly no one can help me they say i need to pay it in full upfront were do i get all that money from im only working 10 hours week because of uni any suggestions please?


Does health insurance cover braces?
Im wondering if mediCal or health insurance covers the cost of braces. or atleast partially or something. does anybody know what are the circumstances?


I just got my license and have no insurance..?
no car yet but will soon have one...what do you recommend?what will be cheaper to get my own insurance or be put on my parents...


Which rental car company has the lowest insurance prices (LDW)?
Which rental car company has the lowest insurance prices (LDW)?


indiana insurance bulletin 152