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Here at honest insurance advice we aim to provide you with exactly that, honest advice about all types of Insurance from Home Contents insurance to Car insurance. Everyone at some point will have to buy insurance of one kind or another what we aim to do is make that process alot easier.

Over time we aim to build a comprehensive archive of both news and information to ensure you remain fully aware of what to look for when making your next insurance purchase.

You might be asking why should you listen to our advice over anyone else you may meet on the street. Our answer to that is that you should take advice from where ever you can get it, especially if you are trying to understand a new subject and insurance sure is a big subject with many pitfalls. So we want to add to your ‘Experience’ the more information you learn and understand will best equip you to make the best decision. Here at Honest Insurance Advice we want you to gain that experience which in turn lets face it should end up saving you money by making the best decision possible.

For what ever reason you can contact us on: contact@honestinsuranceadvice.com

Go Compare Car insurance is worth a shot

If you are currently on the look out for car insurance it is very important that you do a couple of important things, in the modern world of insurance shopping it is vital you get a range of quotes for comparison. Fortunately I can tell you that there are websites like Go Compare Car insurance that do all the hard work for you by going out and bringing a wide range of quotes from various companies to your computer screen.

Go Compare Car Insurance is by far one of the UK’s most straight forward and easy to use car insurance comparison services. When you decide to use go compare car insurance you need to make sure that you are comparing products on a like for like basis, this is because Go Compare car insurance can sometimes show quotes from different companies but they may have differing terms and excesses. Go Compare car insurance is a very sensible selection for car owners looking to save money in a short space of time, this is whay you should so check out Go Compare Car Insurance.

Go Compare Car insurance will compare car insurance quotes using the details that you enter for your car, it will then organise all your quotes in price order. The system they use also ensures that you will only ever be comparing car insurance quotes from unique car insurance companies. The marketing and quality systems used by Go Compare Car Insurance is what makes them one of the best.

Go Compare Car Insurance – Will it save me money

Go Compare Car Insurance quotations aim to save you money, they do this by comparing so many different quotes. In deciding to use Go Compare car insurance to find your quote you will notice that many insurers offer differing policies. I have recieved many Go Compare car insurance reviews from customers in the past and all of them have confirmed that Go Compare Car insurance quotes are cheaper than their current provider.

Annual Holiday Insurance

Park Ridge Community Calendar For The Week Of March 24, 2012
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Aetna – Wikipedia, The Free Encyclopedia
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Public holidays In Germany – Wikipedia, The Free Encyclopedia
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Silvercorp Reports Record Silver Production Of 5.6 Million Ounces, Record Revenue Of $238.0 Million, Record Net Income …
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INSURANCE4CARHIRE.COM OFFERS HUGE SAVINGS FOR HOLIDAYMAKERS
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BIG Holiday Party – Part 2 – YouTube
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Medibank Private – Wikipedia, The Free Encyclopedia
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Anthem Insurance

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Member Claim Form
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Pre Existing Conditions – Understanding Pre Existing Conditions
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Creditable Coverage – Welcome To Health Insurance At About.com
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Assurant Employee Benefits – Wikipedia, The Free Encyclopedia
Assurant Employee Benefits, a part of Assurant, Inc.(NYSE: AIZ), is a provider of employee benefit insurance products. The company offers a wide range of employer-paid and employee-paid (voluntary) products, tailor-made for small to mid-size businesses including disability, life and AD&D, dental … Read Article

Anthem Voluntary Short Term Disability Plan
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2011 Open Enrollment
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Checking Account Automatic Premium – Payment For Individual Plans
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Anthem Insurance Companies, Inc. (“Anthem Insurance”)
Anthem Insurance Companies, Inc. (“Anthem Insurance”) Summary of Proposed Plan of Conversion The Board of Directors of Anthem Insurance approved the Plan of Conversion (the “Plan”) on … Document Viewer

Voluntary Short Term Disability Insurance
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Your Anthem Benefits
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Responsibility (Anthem II) – Liberty Mutual Commercial – YouTube
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Anthem Individual KeyCare Plans
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Domestic Partner Insurance 101 – Search For Insurance …
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Ind. Man Seeks, Finds Late Brother's Special Car
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COBRA Enrollment Form
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Frequently Asked Questions Regarding Your Health Coverage
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Ami Insurance

Oklahoma City Private Catholic School Marks Final Graduation With Smiles And Hugs
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Solvency Standard For Non-life Insurance Business – AMI Ltd
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Lauching – AMI – YouTube
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Shannons Insurance TVC 7 – YouTube
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AMI Stadium – Wikipédia
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AMI Insurance – When Things Come Out Of Nowhere
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How To Find A Small Business-friendly Bank
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The AdweekMedia Plan Of The Year
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Southern Cross Travel Insurance – YouTube
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SUBMISSION On The Insurance (Prudential Supervision) Bill
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Your Questions About Travel Insurance Aaa

Chris asks…

Do any other women not carry purses?

I’ve given up on purses. Over the past few years I’ve had a purse but now I just find them a hassle. I recently bought a travel neck wallet, I don’t wear it on my neck, I put around my wrist or shoulder and go, and have been using it as my day to day “purse” -I can carry my id, small amount of money, debit card, credit card, AAA roadside service card, health insurance card, and a tampon.

Are there other women out there who don’t carry purses?

Admin answers:

I go back and fourth from using one. I always have one with stuff in it, but i don’t always carry it with me. I’ll leave it in the car if i’m going in a store or something. I think they’re annoying and usually have no point unless i’m staying somewhere over night or i’ll be gone from home for hours at a time.

Sandy asks…

Can I still get no fault insurance for a car wreck I had 8 years ago?

I was in a car wreck that wasnt my fault. I was traveling with my ex husband from California to North Carolina and it was his turn to drive my car and let me rest when we was hit by a tractor trailor and the car was totaled.It was a hit and run in the state of Oklahoma.When I went to make my claim with AAA they said who was the driver.I said my ex husband was and they said he was put down as a excluded driver of my car.I didn’t know he was excluded cause when I had just purchased the insurance or should I say have his name separated from it so i could make my own payments with my name on it . If iI knew he was excluded i would have never signed the paper knowing he suppose to help me driver cross country.Now I have a huge carnote bill I refuse to pay cause I was not at fault and i was only guilty of not getting clarity on what I was signing.It was New Years eve and the office was about to close and the insurance agent rushed me.I only had the insurance 8 days and the accident happened.

Admin answers:

It was your fault you failed to read the policy if you want to blame some one look in the mirror

Charles asks…

Can I sue a gas station for selling me bad gas?

I bought a brand new 2009 Mazda 6 3 weeks ago, and this Saturday I went to a Shell gas station and filled it up almost completely with their premium “V-Power” gas. Not more than a mile down the road, I stopped at a McDonald’s and my car chugged and then stalled in the parking lot, and I couldn’t get it started again. It was towed to the local dealership, which was closed for the Easter weekend, and the service adviser found that there was water in the gas.

He estimated the repairs to be $500. I filed a claim with my insurance company (AAA) and they do cover this. There are a few things that seriously tick me off about this:

1. The car is 3 weeks old with less than 1000 miles on it, and bad gas is the last thing I would have expected to do some damage to my car
2. While my insurance covers it, I do have to still pay my $100 deductible, and my premium will most certainly go up when it comes time to renew my policy.
3. This happened in my girlfriend’s town, which is about an hour away from where I live. This is going to be a bit of a hassle to get my car back from the dealer, which is even a little further.

I didn’t keep the receipt, but paid with a credit card and it will eventually show up on my statement. There is absolutely no chance that someone tampered with my tank, because it happened a few minutes afterward, and you can only open the tank from the inside anyway (I was in the car the whole time).

The service adviser told me that there shouldn’t be any lasting damage/problems to my car, but the whole situation has been a headache for me with all the necessary travel. Can I sue the gas station for selling me bad gas? I’m not really looking to get rich here, I just want them to pay for the repairs in full and cover any associated costs.

I did call the government agency that investigates these things already, and they did say they would get back to me after the investigation. I’m not sure if this is something to wait for because I don’t know how long that would take, or if anything would come of the investigation so late after.

Admin answers:

Seen it a hundred times.. First bit of advice is to never get gas at a gas station that has a fuel tanker there..when they refill there tanks it can stir up some settle dirt or condensation, that’s when I have noticed it to happen most often. I was a Service Manager for a repair facility when I came across this problem. What I always suggested to the customer was to add a couple of bottles of what they call “dry gas” or gas line antifreeze. You can get it at any gas station or parts stores. Add directly to your gas tank. Since you just filled up it may take a little while to mix. It is used a lot in the winter time to thaw out frozen fuel systems. What it does, is mixes with any water in your fuel and turns into a flammable liquid so your engine can use it like gas. I have never had to do anything besides this when a car had bad gas…….Might be a good idea to add a bottle of fuel injection cleaner with the dry gas to clean out the components at the engine (such as injectors)…hope you get to try this before spending a ton of money. Best wishes….if it is too late,,,keep this in mind for future reference and you can save a bunch of money.

Helen asks…

What kinda services do you need to have in case your car breaks down or you get into an accident?

This may sound silly, but I’ve been wondering abt this for a while; what if your car breaks down or you get into an accident in the middle of nowhere (esp at night!), when you are traveling and your home and friends are just far far away. I mean, I have a AAA membership and a car insurance, but they can only do so much as to have your car towed etc, not to give you a ride home or to a hotel, right?

I doubt if a tow truck guy would give me a ride to wherever I need to be along w/towing my car, because that is not really his job and not what I paid for my membership and ins, is it? A rental car place closes at 6pm and I don’t think a taxi would come out to a “middle of nowhere” (besides I don’t trust taxis) And I definitely do NOT think a policeman would be nice enough to give me a ride.

I’m just so worried abt getting stuck in the middle of nowhere one day when driving out of town (because I do travel a lot). What kinda services do I need to purchase for a situation like this? Thanks!
PS: The reason I said I don’t trust taxis, in case anybody wondered, is that whenever I call a taxi, they never ever come out or if they do they are like 2hr late. Besides, I only see them in the metro area…

Admin answers:

My suggestion is trying to get as much resource as you can before making final decision,here is a good one.http://car-insurance.easyideas4u.info/car-insurance.htm

Steven asks…

Would I likely win if I chose to fight this ticket of “66″ in Speed Limit box and “55″ in Alleged Speed box?

The cop wrote “66″ in Speed Limit box and “55″ in Alleged Speed box on my ticket. He also wrote “Speeding 66/55″ in the Violation box. He probably meant I was doing 66 in a 55. I live in Texas. The court and location where I got a ticket in is over 120 miles away from my house, in same state.

Would I likely win if I chose to fight this ticket?

My court date for stating my guilty or not guilty plea is about 3 weeks away. I was also wondering if I could avoid a real trial by asking if I could have my ticket dismissed during that first court plea date since the ticket implies I was going 11 mph under the officer’s written 66mph speed limit. I’ve done some research and it seems possible the officer could just correct his original ticket and the judge would basically ignore my uncorrected copy.

So far, I’m leaning towards taking a defensive driving course (plus mailing in a $103 required court fee) just to avoid the hassle of arguing with a judge and possibly losing the case if I have a stubborn judge. And, if I lost then I’d have points on my record + higher insurance rates + paying an additional $105 speeding ticket fee + hours of lost time + $120 in gas expenses,etc(using AAA‘s $0.50/mile average of real driving cost per mile) per round trip(which would be $240 total traveling expenses for a plea trip + a trial trip.)

I was considering finding and hiring a lawyer in the area I got a ticket in to argue my case, to save me traveling money. But, that expense may not be worth it either. I’ve read that lawyers don’t study how to beat a traffic ticket.

If anyone wants to offer advice, I’d appreciate it.

Admin answers:

If you’re looking to save costs, you’re out of luck. If you’re looking to avoid additional costs, just pay the fine. And therein is the crux of your question. WHAT fine? Exactly what is the fine for doing 55 in a 66mph zone? Sure, the court can conclude that there is no such thing as a 66 mph zone, so it must mean something else, but that’s not the basis of law. It’s not a matter of what it SHOULD mean, but what it DOES say.

What you might do is simply call the Court Clerk office in that jurisdiction and ask them what is the fine for your particular ticket. Given the peculiarity of your ticket, they may dismiss it. I’ve had such dismissals happen twice in different states. (And in one case, I was right there willing to pay the fine, and they wouldn’t accept it.)

America Life Insurance Company

The Guardian Life Insurance Company Of America (“Guardian …
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Allianz Life Insurance Company Of North America Product Guide
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Northwestern Mutual – Jobs At Northwestern Mutual
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Insurance company Profile Page – Insurance Industry …
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UNITED STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT OF …
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Investors Life Ins Co Of North America – 2001 Financial …
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Life And Casualty Insurance Company Of Tennessee – Wikipedia …
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Women Are Not Buying Enough Life Insurance
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images of America Life Insurance Company

Padilla To Join Swiss Re As Head Of Latin American Reinsurance – North
Swiss Re announced the appointment Alejandro Padilla, effective June 1, 2012, as Head of Reinsurance Latin America North and President of Swiss Brokers Mexico, Intermediario de Reaseguro, S.A. de C.V. He will be based in Mexico City. The appointment is … … Read News

Your Questions About Insurance Company Ratings

Paul asks…

how do I find ratings for insurance companies?

Admin answers:

You can do a search online. There are a number of sites that rate insurance companies, as well as other companies.

Charles asks…

Which Insurance company is worse, United American or American Income Life?

Both of these companies get terrible press, and terrible ratings and reviews. However, insurance is probaly the most difficult sales job out there. If I am the agency director and I hire 10 people one person might make it, and I mean might. You must have self-determination, willing to talk to anyone, and a killer instict.

So, tell me which company is worse. just for fun

Admin answers:

United American, just because they have the stones to do their over-priced business with Senior Citizens.

I find, especially in Property&Casualty, that a killer instinct is counter productive. If you make every sale, you’ll have too many bad risks. Most successful P&C agents I know are more selective in the business they write and are not “CLOSERS”.

Donna asks…

what are ratings of car insurance companies?

einsurance ratings?

Admin answers:

They are usually what is called a best rating. Best is an insurance industry standard (they also do a magazine) that is how insurance companies are rated (service, fairness, etc…)

Daniel asks…

Where can I find ratings for the service of various insurance companies?

Admin answers:

At the state insurance department website. They’ll publish “upheld complaints” so you can see which carriers have the most and fewest VALID complaints.

Sandy asks…

How can I find out the rating of HSBC Insurance?

I’m considering buying a term policy thru HSBC Insurance, but I don’t know much about them. I have a credit card thru Orchard Bank, and received an offer of term insurance at a good rate, but want to be sure they have a good reputation.

I need to know if there’s any site that gives ratings on insurance companies, and also if I can find what other people say about their experiences with them — either good or bad.

If anyone can help, I’d really appreciate it. Thanks!

Admin answers:

The insurance rating companies are AM Best, Fitch, and Standard and Poors (ambest.com, fitchratings.com, standardandpoors.com). They will make you register to the rating, but you can get it there. Although if you are getting a legit offer the rating from at least one of those companies (usually the one that rates them best) should be buried in the information you got. HSBC is pretty big and pretty well rated. Check around before you get this one though, rates can vary a lot. The fine print no doubt explains that the rate depends on your health.

Also, make sure what you are buying. A lot of banks offer Accidental Death & Dismemberment insurance which does not pay if you die from pretty much anything other than getting hit by something. If you are getting 10 year term insurance think about how old you will be in 10 years. What is your plan for insurance then? I laugh every time I see a commercial that says “You can get $100,000 of 10 year term insurance for just $10 a month at age 30.” Really? What do you think the odds are of you dying by age 40? Why do you think it is so cheap?

If you have kids, make sure you get a term that covers you until they are 20 years old or so. (So if you have kids under 10, get 20 year term, if they are between 10 and 18 then 10 year works.) Check a company called Empire (or something like that). I seem to remember them have low rates.

Your Questions About Home Insurance Rates

Betty asks…

How much home insurance & tax for a cheap studio?

I know 0 about this: are home insurance rates annual or monthly? Could someone give me just a very rough idea about how much a cheap studio’s home insurance & tax would cost? (in upstate ny)

Admin answers:

Check out this site, if you want to find the cheapest home insurance just in one minute,

http://best-cheap-home-insurance-usa.blogspot.com/

Here you can get free quotes from different home insurance companies in your area, its the best way to find an afforable home insurance with a reliable company.

Best Wishes,

Mary asks…

Who has competative car-home combo insurance rates in Texas?

Admin answers:

I use USAA out of San Antonio…

Maria asks…

what city or state has the least insurance claims / lowest home insurance rates?

is there a web site were i can look at the historical home insurance claims statistics? each state has it’s regular events: midwest states: tornadoes / giant hail storms, east coast: flooding / hurricanes, west coast mud slides / volcano eruptions / earth quakes / flooding, northern states flooding / ice storms. i wanted to just sit down and look at the country as a whole and get an idea what happens on a regular basis in different areas of the country. i call it advanced geography. knowing names of cities and states is nice but not that useful unless you get a feel for the area and know what kind of weather people who live there are used to or expect.

Admin answers:

Yes, I guess I agree In some of the articals.

Steven asks…

Home and Auto Insurance Rates?

Can anyone please offer me some names of insurance companies for low rates on Home/Auto Insurance. I live in Northern KY. and do not want to call several comapnies who clam to be the lowest only to pay more. Thanks So Much!! Jim
Note to “Common Sense” ~ one company took about 35 minutes to get the auto then home quote, now multiply that and you are looking at hours searching around for better quotes, not just 30 minutes, now that should be “common sense”?? Maybe you want to change your name?? To everyone else I will take the advice and look for a place that gives multiple quotes. Thank You!!

Admin answers:

Jim, one company might be the lowest for a 10 year old home, and a different one the lowest for a brick hom that’s 45 years old.

There’s NO company, that’s lowest for EVERYONE. Each company has their own target niche, where they’re lowest, for a very narrow set of customers.

There’s no short cut. You’re going to HAVE to shop around, to see who is lowest for YOUR particular circumstances. One almost short cut, is to call an independent agent that represents a bunch of different companies, and have them get multiple quotes for you. But you’ll likely need to call more than one independent agent, and you will have to call the direct writers, like State Farm and Allstate, directly.

Sorry for the bad news, but there ya have it.

Ruth asks…

Does the cost of a home affect home insurance rates?

We’re in the process of buying a $49,900 house (we’re just now starting the written contract). I know that the first full year of insurance will be expected from us before closing is final. Our loan agent at the bank kept saying to me, “With a house that cheap, you’ll probably only pay $20 extra a month in escrows.” She said this I don’t know how many times, but nothing I find online says anything about a cheaper house meaning cheaper insurance. Do her words have any merit? Thanks in advance!

Admin answers:

Not exactly.

Homeowners insurance policies are written on a “cost to rebuild”, since they have to pay to FIX problems.

When there’s a very large discrepancy between the market value of a house, and the cost to rebuild the house, many insurers won’t write that policy, so you’d be stuck with “high risk” homeowners insurance, which does cost more.

She is wrong, in that insuring a house for $50,000 does NOT cost half of insuring a house for $100,000 – it can actually cost DOUBLE. The lower the insured value, the more likely the property is to have a claim. MOST claims are under $50,000 – so the rates reflect that.

But most lenders won’t accept a “market value” policy as adequate for the loan. So I’d say your loan agent might be very, VERY inexperienced. What she says makes sense, to the lay person – which is why she’s saying it. But when she gets out there to find out the real world quotes for the coverage you’re looking for, she – and you – will discover that it’s actually the OPPOSITE of that.

What’s inside the house, is actually almost always irrelevant to the pricing – the contents coverage is usually a percentage of the building amount, and usually there isn’t even a charge for it, unless you need MORE coverage than that.

Your Questions About Insurance Depot

Thomas asks…

can I be denied short and long term insurance through my company for being overweight?

I work for Home Depot who is insured with Liberty Mutual and upon applying for 2011 benefits, which included short and long term insurance – they denied me this benefit because I am overweight. Can they legally do this

Admin answers:

Can they legally do this?

Is this a serious question?

First, I’m assuming that you are referring to disability coverage (kind of an important detail you left out).

Your employer can offer any type of benefits package they wish; and as long as the program is ERISA-compliant and administered uniformly, they can apply any rules they see appropriate. In this case, it’s probably the insurer that’s driving this one. If you want coverage, drop the weight; seems fair to me.

Sharon asks…

Should I get Urban Decay Primer Potion or Too Faced Shadow Insurance?

I am going to Sephora today and i am really stuck on which to get. I have heard great things about both, but UDPP seems annoying how you have to depot it to get all the product out. Which is better?

Admin answers:

I’ve tried both, and I personally really like my Urban Decay Primer Potion. The packaging doesn’t bother me to the point that I won’t purchase the product again. I have oily lids, so between the two, I like the UDPP because it really keeps my lids from being oily throughout the day.

Other than that, both keep my eye make-up on all day, and they work great when applying colors and blending out shadows. They also do a nice job of keeping the pigmentation of shadows in tact.

Mary asks…

if obamacare says you wont be denied for previous conditions why is home depot testing its employees?

for health conditions?

blood test to high blood presure

then say if you dont improve in a certain time period you will lose your health insurance

Admin answers:

Home Depot provides their employees with health care benefits. As a direct and necessary result of Obamacare, the cost of health insurance in this country has increased by more than a third. For my little company…and I know because I pay it…that means an increase in family coverage for each employee of around $6,000 a year. If my employees are not healthy? Group or no group, the cost of insurance MUST go up. Insurance companies aren’t the problem. It is a fact of business that a company MUST take in as much or more than they pay out. If they don’t, they go bust. It really is that simple. By expanding the requirements of health insurance providers and us, the people, the cost of health insurance has necessarily skyrocketed. Home Depot is trying to control this cost by keeping their employees healthy. Insurance companies take this into consideration and, I am sure, it is saving Home Depot millions. And by saving them millions, Home Depot can stay in business. Get that? They can stay in business.

Obamacare is an abortion that has hamstrung not only insurance companies but businesses like mine all the way up to Home Depot. And the thing is, we knew it would. And while Obama is inexperienced and has never run a business, he’s no idiot. There’s a method to his madness and all I have is a theory as to what that is. Once the rise in insurance cost break our backs, we’ll come crawling to the government to provide our health care coveage. I just hope that by this point, America will remember just who it was that broke our back and hold them accountable. Unfortunately, Americans have a very, very short memory.

Susan asks…

Do I have a 0% chance getting hired at HOME DEPOT?

I am 16 and my ideal job would be at the Home Depot nursery. I’ve heard for a while now that you must be 18 to be hired for insurance issues and things like that. If I applied anyways would they even look at my application or would they just toss it aside and not consider me what so ever? Only answer if you know the answer please.

Admin answers:

If the Home Depot requires you to be 18 (and I believe they do), they will not consider you for employment if you are under 18. The laws have changed with minors and it could be viewed as a dangerous job. Plus I think they make cashiers still work with power tools sometimes which is a no-no for minors.

Some mom-and-pop places may think of bending policies, but not a large chain business like Home Depot.

George asks…

when you rent a piece of equipment from somewhere…is it best to take out insurance on it during rental?

when did places such as Home depot start this and is it really going to change anything much if equipment has problems?

which tools or equipment is best to take insurance out on and which ones are not really needed?

why people fall into this type of gimmeck? as if it breaks when you are using it..isnt that THEIR fault?

do they have this in other countries such as England?

Admin answers:

~~My husband is a contractor who occasionally rents from them. He said he never takes out the insurance on anything except maybe if you had to rent a trencher or a machine that could be damaged accidentally in the course of a job.

He said if it is a tool where you know you aren’t going to in any way abuse it, then don’t take it out. But if it’s large machinery that you may not have complete control over (such as a trencher, where you could hit a rock and damage the machine). Not only are you responsible for repairs, but they can charge you for rental hours lost.

If a machine breaks mechanically yes it is their fault, but some equipment can get damaged while it’s being used that has nothing to do with the mechanics, but is actually broken unintentionally by the user.~~

Your Questions About Golf Insurance Cover

Donna asks…

should my landlord have to pay for my personal belongings that got damaged due to a leak in the house?

we have had a leak in our livingroom floor for a few days now… the leak has also gone into our garage and all our stuff has been sitting in water for a 3 days now!! the landlord broke through the cement in the garage with a jack hammer, and didnt think to cover anything in the garage so now theres a thick coat of “dust” on all my stuff!! golf clubs, glass bookcase, furniture, workout equipment… and i had to move a bookcase from inside the house where the leak was… and we have been without hot water all day(he had to moved the water heater to get to where he “thought” the leak was coming from), and will be until this is fixed which he says it will take a couple more days…. should he have to pay for my damaged furniture??? or discount our rent??? should his homeowners insurance cover that kind of stuff???

Admin answers:

No, his insurance does not cover your stuff. That is what you have renters insurance for.

Good luck convincing your insuarance company that dust = damage.

Betty asks…

car was stolen, window broke, keys hidden inside?

will there be any problem with the insurance company covering my loss because the keys were in the car? they broke the window to get in. keys not visible and might not have been found. also, are contents in the car covered by auto insurance, i.e. golf clubs, phone, etc.?

also, car was parked at a gym and now I understand that the criminal element targets those businesses because they know we don’t bring our stuff in with us. if I find that there have been previous occurrences at this gym and they did not notify members or have extra security patrolling, are they in any way culpable?

Admin answers:

If they find your keys, they would have drive the car out

Laura asks…

my dad SHOT UP METH in the inside of his arm and now has a big red hard spot the size of a golf ball?!!!!!?

HE DOES NOT HAVE MEDICAL INSURANCE AND HE DOES NOT HAVE ENOUGH MONEY TO COVER WHAT THE HOSPITAL OR DOCTORS WOULD CHARGE.WHAT SHOULD HE DO?!!! PLEASE NO RUDE COMMENTS…I JUST NEED HELP FIGURING THIS OUT SO I CAN HELP HIM.THANK YOU.

Admin answers:

I no sum1 who did crank and he got giant pimples on his neck nd he sed its normal.. Wait is it on the spot where he shot it? If it is thats not good he probably used an infected needle or something nd u shud take him to the ER like the other guy sed

Daniel asks…

Do any one know of a non-surgical weight loss method that is covered by insurances?

I need to lose 100 -125 lbs. I’ve tried Weight Watchers, Adkins, Hydroxycut, etc. I’m looking into Lap-band, but I really don’t want surgery. I consider myself fairly active, golf and softball every week, but as a former offensive lineman, I have very bad eating habits that are difficult to adjust without help. There are programs at the gym I belong to, but they are too expensive for me to afford.

Admin answers:

You have done the hardest part….admitting that you need to lose weight and that you need help to do it. You fall into the category of “morbid obesity”, and accordingly your weight issue is one that can seriously threaten your health and even your life. As for the insurance coverage part, that is something that you need to discuss carefully with your insurance agent, or the HR department where you work.
I personally believe that you have it in you to accomplish this goal without drastic surgical or medical intervention. You worked hard and “sweated blood” to excel as a football player. Remember the weight room and the “two-a-days”? Following a sensible diet and exercise program is not nearly that hard…..you CAN do it.
First of all, be patient. You did not put on the weight overnight, and it will not come off overnight! Shoot for 2-3 lbs a week, and in one year you will lose everything you need to. To accomplish this, you need to burn more calories than you take in…it is that simple. Most people can achieve this by sitting down and identifying the “top 5″ high calorie foods they are consuming now, and either eliminating them or cutting down on the frequency that they are consumed. Also, if you will really focus on slowing down when you eat, chewing thoroughly, and eating smaller portions for one or two weeks, your stomach will actually adjust to the new portion size and you will feel full after eating much less.
Next, don’t count on the team sports or golf to get you where you need to go. You need 30 to 60 minutes of moderate, sustained aerobic exercise every day (brisk walking, jogging, biking, or swimming). As you get more fit, you can increase that time if you want to to accelerate results.
Make a committment to do this for ONE MONTH. I promise you will lose a significant amount of weight, and most of all, you will feel confident in your ability to regain control of your life. Finally, in the famous words of the late, great coach Jimmy Valvano, “Never, ever, ever, ever quit”. You CAN do it.

Maria asks…

Car Insurance Dispute?

Hello

Would anyone kindly give me some advice regarding the below?

My wife had an accident in May 2010. On a narrow country road (no way two lanes) she turned a blind corner at 5 mph and collided with the third parties car, she did not have time to avoid the crash and strongly denies being at fault. The damage to our car (we did not claim as it is superficial but would cost £500) was underneath the drivers side headlight (golf 2006 model) and minimal. There are no in dependant witnesses.

We reported this to our company aviva as a 50/50, we believed he and my wife were not a fault.

However the third party rejects thus completely. He says my wife failed to stop in time and caused this (he admits she was going 5 mph), says she was on the wrong side of the road etc. Confusingly he states that the two people in his car are witnesses (not sure he understands the term in dependant) and that he was stationary on the road at the time of the accident (who stops in a middle of a road…). Hilariously he put his speed as 30 mph then crossed it out and put 0mph. The damage to his car is again on the drivers headlight side for me that would suggest my wife was not on ‘other’ side of a one lane road but consistent with two cars turning in opposite directions.

From the start his solicitors have been aggressive and sending over a threatening letter requesting my wife pay the bills (1000+) within 14 days or go to court.

I have seen his report and cannot understand how he can win this. I am guessing he has only 3rd party so needs to try….

My Insurers agree that there is nothing to accuse either party and suggested 50/50 to which the other company refused, at the time I would have accepted that, now not so.

Had nothing regarding this for 6 months and thought it was over, however today I received a letter from my insurers asking to confirm my wife’s address after a request from other parties solicitors.

Can anyone help, I have legal cover etc and happy to go to court but want to gather whether i am right to refuse liability, whether I am missing something and should be worried, and what monies if any would I have to pay out if he won???

Sorry for long post

Admin answers:

Most insurers would go the 50/50 route unless there is strong evidence to prove otherwise.

Let YOUR insurers deal with it as that is what you pay them for. There is no need for you to even get involved, they are the ONLY ones that should be talking to the other side and they are the only ones that decide the liability of the accident.

Any letters from the other side forward to your insurers.

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Admin answers:

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Which Insurance company is worse, United American or American Income Life?

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what are ratings of car insurance companies?

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How much home insurance & tax for a cheap studio?

Admin answers:

Who has competative car-home combo insurance rates in Texas?

Admin answers:

what city or state has the least insurance claims / lowest home insurance rates?

Admin answers:

Home and Auto Insurance Rates?

Admin answers:

Does the cost of a home affect home insurance rates?

Admin answers:

can I be denied short and long term insurance through my company for being overweight?

Admin answers:

Should I get Urban Decay Primer Potion or Too Faced Shadow Insurance?

Admin answers:

if obamacare says you wont be denied for previous conditions why is home depot testing its employees?

Admin answers:

Do I have a 0% chance getting hired at HOME DEPOT?

Admin answers:

when you rent a piece of equipment from somewhere…is it best to take out insurance on it during rental?

Admin answers:

should my landlord have to pay for my personal belongings that got damaged due to a leak in the house?

Admin answers:

car was stolen, window broke, keys hidden inside?

Admin answers:

my dad SHOT UP METH in the inside of his arm and now has a big red hard spot the size of a golf ball?!!!!!?

Admin answers:

Do any one know of a non-surgical weight loss method that is covered by insurances?

Admin answers:

Car Insurance Dispute?

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