What do Life and Homeowners insurance cover?

What do Life and Homeowners insurance cover?

I have a tricky question that I really need an answer to. I just got back from the hospital. I was working on my garage this evening and I had a terrible accident. I was ripping a piece of ply wood with my table saw and I ended up cutting my middle finger on my left hand off. I have heard that in some instances life insurance pays out. I am just wondering if maybe that would be true. The other thing I was thinking is would my homeowners insurance possibly cover something like this. I have health insurance and am not too worried about medical bills. The problem I will have is keeping up with my bills when I cant work which sounds like quite awhile until this heals. My finger was non- repairable. I am in the construction industry. I need my hands to work. Any info would be greatly appreciated. Thanks

 

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My 22 yr old sons car was repossessed. He cancelled his car insurance policy since he no longer owns a car. He was required to carry an SR22 because of a bad driving record. The California DMV will suspend his license if he does not have proof of car insurance. Hes not driving and plans to not own a vehicle for the next 6 months. How does he meet the California DMV requirements without purchasing a car insurance policy? Also, if were able to get an older vehicle and get liability insurance only on it and add the SR22 can it satisfy the California DMV? My son is desperately trying to clean up his driving record too. Even if literally purchases an older vehicle and never drives it just to meet his DMV requirement. Will his past actions of too many tickets and accidents ever stop haunting him? Finally, his car was stolen in mid 2013. The car was reported stolen and it was eventually recovered and the insurance did repair significant damages does this also count against his driving record? The damage to the vehicle all occurred after it was stolen. I'm sorry I have so many questions I'm just at a loss. I need to get him back on his feet within a year but I need to know he will be able to drive too. He realizes now he messed up. He's got a great job and makes good money but I want to make sure that these past mistakes do not haunt him forever. The good news is there are no DUI's or reckless driving. Thanks for any help!

 

 

What would be the best insurance group to go in, if I am a first time car owner/driver?

Hi, I am going to turn 17 in the autumn and I am looking for a first (used) car. But I am unsure about which insurance group is the best to go in? Someone told me I could get insured fairly cheaply on Group 5? I would like a reliable car, at the moment I am looking at Ford Focus, Volkswagen Polo, and Fiat Punto. I want it to be fairly new, and look good. I can spend up to 2000. Hope you can help

 

 

If I have an insurance plan that costs $900 a month, with a $50 co-pay, and $10000 deductable?

how does that work when I go to the doctor? I just asked the same question, but I worded it all wrong, I think. So, I go to the doctor with strep throat and my co-pay is $50 and I have a $10000 deductable. How much will I actually pay? Logic tells me that with a deductable, like car insurance, I would pay for the entire office visit cost, since it would obviously be less than $10000. And a $25 co-pay for prescriptions! So, with that said, I would be paying a monthly payment of $900, the $50 co-pay, and the visit bill. I understand that insurance is for when really bad things happen, but geez. Is this really what people pay? We've been without insurance for 4 years and pay about $30 and office visit (by paying cash) and go to Publix and get $4 prescriptions. Please, someone expain this to me. Do you pay this expense simply because of the possibility of something bad happening?

 

 

Car insurance claim failed. I am totally innocent and will not give up. Where do I stand with this?

The accident happened on a roundabout I was already on, someone pulled out on me and I T-boned the side of their car. An 'independent' assessor has looked at my car and wrote a damage report which went to the other drivers insurance company (who I am personally claiming from as my insurance is 3rd party cover only). Their company have now wrote to me saying they are denying my claim because: They can't understand why the whole front of the car is damaged (erm..because I T-boned the other car!) They can't understand why the nearside wing is damaged (erm..because she kept driving for a few seconds, which tried to drag my car to one side. The chassis went out of line and it moved the wing out of position). They can't understand how the nearside door is damaged (erm..it isn't!). Is there much else I can do other than write to argue their statement? A solicitor or small-claims court would not be cost effective as I'm only claiming approx 400. What can I do?

 

 

What is the average cost for liability insurance for a startup pressure washing small business in BC, CA?

I own a franchise of College Pro Window Cleaning in Washington State and have been doing a lot of pressure washing through that. I do roofs, decks, driveways, walkways and fences. I am hoping to start up a small weekend pressure washing business in Vancouver BC because I go to UBC. I want to register it and do everything legal but I really want to know about how much i am looking at to get liability insurance or if I should just have my clients sign a damage waiver and probably then cut roof work to decrease my risk of damage. Any insight would help me out a lot.

 

 

Are there any car insurance companies that only look back 2 years instead of 3?

Are there any car insurance companies that only look back 2 years instead of 3?

 

 

Cheap Car Insurance for International Drivers License holder in the UK?

please i was told i could use my IDL here for a year. but to be able to drive my auntie's car i would have to get car insurance. i just need it for a couple of weeks. so please if anyone knows how i can obtain one please let me know thank you

 

 

Car insurance very expensive?

Hi I live in Miami fl and I am currently insured with Estrella insurance part of uaic. My car insurance costs 264 a month. They told me that after 6 months it would go down but I don't think it will go down much. I have a 1994 accord lx 4 door. I don't see why it costs so much for insurance. I just started driving in December but the car is listed under my mothers name with me as a driver and her as the primary. She has been driving about 15 years and has a good record. We have full coverage because the last checked for us and this actually costs less then the lesser coverage for some reason. I was thinking about changing insurance because I think it is overpriced. Can anyone offer any advice? Such as maybe Whether this is actually a normal rate to pay? Or what other insurance I should try out

 

 

How much woul i pay for auto insurance on 2007 Hyundai Tiburon?

V6 2 door coupe. Im 18. 2 tickets, 1 for running a red light. Other was a car accident, 9000$ cost to insurance on property damage. No injuries, or if anybody owns one let me kno hoe ...show more

 

 

How much will my insurance go up from a honda oddessey to a bmw x3?

How much will my insurance go up from a honda oddessey to a bmw x3?

 

 

Why do we need basic health insurance?

Health insurance should be for serious issues that require surgery or hospitalization. Why do I pay insurance to get a checkup or for routine visits? The problem with health insurance is it is too broad; therefore, it is too big. The idiots who say that car insurance is mandatory as an argument for mandatory health insurance leave out that it is only LIABILITY insurance that is mandatory. You are not required to insure fixing your own car if you choose not to. Think about how much more expensive it would be to take care of routine things like car maintenance, appliance replacement, etc., if they were handled through an insurance company. The answer seems to be to eliminate most of the unnecessary insurance and shrink it to only what is required. That along with serious tort reform would eliminate much of the red tape and cost. The person who abuses their things pays more to replace and fix them. Same thing with the fat people, who suck up most of the insurance money the rest of us pay.. If you choose to be fat, then you will pay more to repair your health. It seems pretty simple, but then again the current proposal is not really about health care is it???

 

 

Does anyone know of good Health Insurance?

I have Blue Cross HMO, and it really hasnt worked for me. I need surgery on my knee and i've been waiting for 2 months to get it done, thanks to the fact that my insurance requires me to see a general doctor first (who makes u wait for like a month for an appt for a simple referral) then get another appointment for a specialist (wait another month) then wait 3 weeks again for an MRI, and now i have to wait another week and a half for surgery. Please, help me find a good insurance. I'm tired of this! I live in southern california if that helps. Thanks

 

 

If I own property and pay insurance from 2 different insurance companies.?

If something were to happen to my property can I collect money from both insurances?

 

 

Why is it hard to find medical Insurances?

i have a heart condition, why is it hard to find medical insurances?

 

 

Is there any insurance companies that will insure after a fire claim?

me and my family had a fire in july of 2008 and our homeowners insurance dropped us after the claim was over. now we are having major difficulty obtaining homeowners insurance. is there anybody that knows of a insurance company that takes people with these issues? we also live in indiana

 

 

Where can I find Auto Insurance with High points on My License?

I have 10 points on my license for minor infractions and now I am having trouble finding affordable insurance.

 

What do Life and Homeowners insurance cover?

I have a tricky question that I really need an answer to. I just got back from the hospital. I was working on my garage this evening and I had a terrible accident. I was ripping a piece of ply wood with my table saw and I ended up cutting my middle finger on my left hand off. I have heard that in some instances life insurance pays out. I am just wondering if maybe that would be true. The other thing I was thinking is would my homeowners insurance possibly cover something like this. I have health insurance and am not too worried about medical bills. The problem I will have is keeping up with my bills when I cant work which sounds like quite awhile until this heals. My finger was non- repairable. I am in the construction industry. I need my hands to work. Any info would be greatly appreciated. Thanks

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