Insurance

from a General AgentThere are no ifs ands or buts,, You should always make a police report after a Hit and Run incident. a Hit...

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In theory when a PRIME contractor hires a SUBCONTRACTOR, and the SUBCONTRACTOR causes a loss, damage, injury, etc., then the...

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AnswerIt all depends on what the building is used for, where it's located, the type of structure (wood frame, metal, masonery),...

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It appears the Federal Law would require them to - "Simlarly Situated Individuals" The group of covered employees, their...

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as long as your child continues to be a full time student, then they are covered until they graduate. That may not be the...

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Homeowners Insurance and Total Loss Yes, if the home is properly insured and suffers a total loss, If there is a mortgage then...

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Insurance for older homes You may not find a company willing to provide all-risk coverage or replacement cost coverage. You...

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Tennessee requires "Proof of Financial Responsibility" which can be satisfied by liability insurance with minimums of 25/50/10. ...

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Home Insurance and Pit Bulls The question should not be - will it go up? The question should be, will they insure you AT ALL any...

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AnswerMost personal auto insurance policies will exclude business use of your personal auto. So the answer is you most likely...

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Depends. If you have a spotless record, more than likely you will have the credits (discounts) from your policy removed. The...

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Amount of liability insuranceYou should get enough general liability insurance to cover your net worth or your perceived...

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Money 101 life insurance There are many companies selling life insurance on the Web, that will give free quotes and advice. The...

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AnswerAn insurance company makes a decision to issue coverage based on the answers on the application, the company's underwriting...

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Fuerteventura is part of Spain, which is member of EU, so indeed, you just need insurance for Europe (European Union).

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First check, your homeowners insurance policy. Your home policy may not cover your business needs but check with your agent first...

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Home Insurance and leaky pipesIf you have an "all-risk" policy or a "named-peril" policy with water endorsement, damage due to a...

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Go ahead and get it fixed. If there is a $500 deductible and only paint was scraped I doubt your premium will increase at all...

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By now you have cancelled the first policy and received a refund for the unused period. In answer to your question, had you...

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Replacement coverageYes, Most insurance policies do indicate that the Insurance company will indemnify you either by compensating...

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Yes, If their is potential for an assertion of liability, The inherited property should be insured by the owner(s).You can insure...

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The only changes that can be made to a life insurance policy are those requested by the insured. The company does not have right...

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A title insurance COMPANY is the actual underwriting company or insurer. A title insurance AGENCY is the local guy providing...

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Title insurance is regulated in NY by their Department of Banking and Insurance. Check out their website at: ins.state.ny.us...

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Here in California, it is a matter of local custom. In Southern California, typically the seller agrees to purchase the owners...

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The local fire department should know. Call the fire dept that responds to the area where the property is located.

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Usually when you turn 23, 24 or 25, depending on what the contract says. If you are on your parent's insurance and are...

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AnswerUsually not, that is considered wear and tear. in most cases damage due to porch falling will be repaired but not falling...

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AnswerShop around to obtain quotes from many different life insurance companies. Prices vary wildly among competing life...

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Your state insurance department is your best resource for insurance-related questions and concerns. Find information on insurance...

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It depends on the divorce agreement. If they have filed for divorce and it is pending, this has probably been addressed in a...

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Home Insurance and Rental Cars No, Homeowners insurance does not cover physical damage to automobiles. That's what Auto Insurance...

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AnswerThere is no conspiracy. Most insurance companies have needed to raise rates for the last several years. 9/11 gave them the...

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Call your insurance agent, which is most likely a local outfit. They will provide you with the name of your insurance company...

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Here are opinions from Contributors: Call your insurance agent immediately. These are they guys that work on your behalf and...

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AnswerIf you are not working with an agent for the company that issued the policy, you need to locate one. An agent can...

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Typically, no-fault insurance will reimburse for lost wages. However, you won't receive 100% of the wages lost, because the...

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What has worked for me is to become invloved in local Chamber and Business associations. I also purchase lists of the SIC codes...

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Yes - check out the Guaranteed Issue Pool for Missouri. Click here to find an agent.

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There are many places to get liability insurance quotes. Just phone your insurance agent or any insurance company of your...

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Ask your friends for a referral to a good local independent agency in your area. If you are new in business, you may be told that...

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Liability insurance covers your students and workman's comp covers you and your employees. They are two different kinds of...

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When your policy was issued, a lot of things were different. First, you were 30 years younger and Second (and more importantly...

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Repairing a totaled carYou don't mention whether or not it's your own carrier or the carrier for another at-fault driver (i.e., a...

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There are private insurance companies that offer unemployment insurance. The plans generally pay out $1,500 to $2,000 after 30...

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To start with you would definitely need liability. And if you have employees workmans comp. You don't state what type of...

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Homeowners Insurance and Tree Removal You will need to contact your insurer or refer to your policy language for coverage advice....

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I believe that currently no insurance companies HAVE to extend benefits for partners. That is one of the many issues concerning...

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They can try and say that, but as far as I know the burden of proof is on them. If you told the truth on the application - they...

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Homeowners insurance policies provide coverage against PERILS such as wind, water, fire, lightning, etc. If your home was damaged...

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if a minor is drinking alchohol so what dose it really matter ?? no it dose not just as long as thay dnt drink ova 8 bottles of a...

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Renters insurance is definitely worth getting. Most agents or brokers from whom homeowners insurance can be purchased can also...

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Get a different lawyer. Call the Insurance Commissioners Office for the state in which you live and file a complaint. Insurance...

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Laptops and Homeowners Insurance If you have coverage for theft or Burglary on your policy you may be able to get coverage based...

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California has set criteria for an insurance UNDERWRITER to become approved to issue insurance. Start with the California...

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Of course. If, as you say, the other driver is completely at-fault, that driver's insurance would still owe for your damages,...

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Yes and no. There are supplemental insurance programs available - do an internet search for "supplemental insurance." Programs...

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It sounds like the buyer is assuming the seller's mortage. Assuming the buyer has agreed to assume the seller's mortage, if the...

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The Named InsuredYes. It is a legal issue.A homeowner's policy insures the named insured for damage to their home. This assumes...

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You would need property coverage and building personal property coverage specific to your industry. Being a florist, you have to...

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In CA, try the AIM Program or Mr. Mip.

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No Insurance, But Other Driver at Fault Generally, the same thing that would happen if you did have insurance. Although every...

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NO... Buyer Beware, Homeowners insurance policies do not cover pre-existing damage. They also typically exclude damage resulting...

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There is a policy that does provide some reimbursement for this.

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You may still excede your limit, but you shouldn't have to pay out of pocket. The insurane that is in your name is billed...

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Show the dentist in your contract where it says they can't. If it solves it, great. If not, you need to call and talk to your...

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Stolen Laptops and Home Insurance Most homeowners Insurance policy only cover theft of the Insured's property, not the property...

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AnswerFixing a sewer pipe is not covered by the policy. If your policy has coverage for accidental discharge, the resulting water...

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What Is Liability Insurance Liability insurance is imperative for any business owner. If you own a car you have auto insurance;...

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Title insurance protects you against hidden problems with the ownership of the property, i.e. if the seller doesn't have full...

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They only have to pay Workman's Comp on reported tips. If you did not report or claim your tips, then there is no proof of them...

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Most finance/lease contracts allow the lender to either take the car back or purchase insurance and then charge the customer for...

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AnswerGenerally no, unless it is due to a SUDDEN and ACCIDENTAL event such as a tree falling against your house.Cracks in brick...

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There is no coverage for land (dirt or soil). The only coverage for trees is if they are felled by wind or lightning. When a...

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Homeowners insurance and Auto TheftNo. Homeowners Insurance does not provide coverage for Automobiles. You will need to file that...

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A bond is a amount of money, put up by a bonding company, that gurantees that you are of good character and not a criminal. The...

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"How will 2 points on your driving record in the last 2 years affect your license and insurance in California?" Your insurance...

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Yes. The problem is that the swingset poses an "attractive threat" and without a fence, there is no safety measure. There are...

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The pros of making your inurance payment separately in my case is that it allows me to pay the entire year at once. I can then...

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yes

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Commercial General Liability Insurance For starters an electrician would need a "Commercial General liability" policy to protect...

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Yes

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The most basic answer is the same as with any sort of insurance policy. It depends on how "risk averse" you are, as economists...

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It generally takes between 1-2 tickets to change your insurance rate. Redlight camera ticket in California = 1 point,...

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Buy a piercing-specific policy. Assuming you have a store, it will cover inventory, lost wages, etc. You can't buy a policy for...

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The company is now known as Old Line Life Insurance Company of America. It was purchased by, and has become a wholly-owned...

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I found two people from APT. Ray Pearson @ 317.359.8224 who is out of Indiana and Susan Preston @ 415.475.4300 who is out of CA....

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Here is advice: I recommend you talk with a local agent who can get to know your circumstances. Let them explain all the options...

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The FDIC currently guarantees checking and savings deposits in member banks up to $100,000 per depositor. Credit Union deposits...

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"Advantage" title insurance sounds like a product of a particular Underwriting company. It is not a TYPE of title insurance. ...

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The other driver is not "added to your policy". However, the other driver will be covered by your policy for this accident...

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"Group insurance" is to be distinguished from individual insurance. In that sense, a group policy provides coverage for multiple...

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In order to sell title insurance in NJ, you must hold a NJ title insurance producer's license. Pre-licensing courses are...

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Roof Cave in Caused by Insurer? Your home insurance company does not certify the structural integrity of your home. It is your...

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Probaly not. Most companies are now excluding (or at least limiting) coverage for molds, but you would have to check you...

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American Medical Association (AMA) owns the licensing to CPT procedure codes.

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