What types of insurance does an event planner need?
Q. I am interested in starting my own business from home as an event planner (no employees, just me). However, I am unsure about the insurance aspect of things. I will possibly be organising events for a large company and they have told me that I am required to take out Public & Products Liability insurance and Personal Accident cover before I can start working on any of their events. Will the Personal Accident insurance cover my hospital bills if I injure myself? If not, what insurance does? Could you please advise what type of insurance is required for a home-based event planner. If there are any event planners out there could you please let me know what insurance you have?? Thanks!
Asked by eventplanner14 - Wed Sep 26 08:20:29 2007 - - 1 Answers - 1 Comments

A. Call an insurance agent. They will know what insurance you need and how much it will cost. The insurance is to cover the people and items at the events you coordinate, not you personally.
Answered by hirebookkeeper - Wed Sep 26 09:02:27 2007

How does the insurance company find out about moving violations?
Q. My understanding is that when you get a moving violation (e.g, a speeding ticket), the police or the courts or whoever will notify your insurance company. When your insurance company finds out and finds out about the points that are now on your license, they raise your insurance premium. However, a friend tells me that he's received several speeding tickets, that his insurance company has never found out (meaning no one is notifying his insurance company), and that his premium has therefore never gone up. How is that possible?
Asked by fgeel - Mon Sep 3 14:50:38 2007 - - 7 Answers - 2 Comments

A. hes got to be lying or had lawyer take his tickets to court and won! tickets are sent to the states motor vechicle division, thats how they find out about your tickets! TC GL :-)
Answered by craig m - Mon Sep 3 14:57:04 2007

Is the auto-insurance claim information shared if I switch the insurance company?
Q. Hi! I am with auto-insurance company X right now and due to few number of insurance claims that I had made, my insurance is going up. I am wondering if I try to switch to some company Y, will X share my claims information with Y? Thanks!
Asked by Sean P - Thu Jun 19 14:54:23 2008 - - 7 Answers - 1 Comments

A. Most of the time, yes they will find those prior claims. Many insurance companies participate in a national database that tracks claims. They will also check you MVR records of any tickets or accidents. It is very difficult to slip one past an insurance company. Fraudulently stating fewer claims than you actually have is not a good idea. If you filed another claim and the prior ones were discovered, they could deny the new claim, back charge you a higher rate, and/or cancel the policy on the spot. Because your rate went up due to the claims, it's not a bad idea to shop around, just make sure they are rating you with knowledge of those prior claims.
Answered by Nate W - Thu Jun 19 15:15:11 2008

What reputable health insurance companies are out there?
Q. My mom doesn't have health insurance and my job doesn't give insurance to family members. I would like to pay monthly to a health insurance company so my mom could get health check up when she needs it. Do you know any health insurance companies that can accept low monthly payments since I don't get paid that much? We live in northern california.
Asked by LOVER - Wed Apr 1 21:05:43 2009 - - 8 Answers - 0 Comments

A. Well, if she's 40 and perfectly healthy, it's going to cost her about $500 a month to have a low/no deductible plan that covers checkups. You BUY it on a month to month basis. If you want low monthly payments, you have to cut the coverage - like take a $10,000 deductible. Or higher. That would cut payments down to maybe $200 a month or less. The older she is, the less healthy she is, the more it costs. Your best bet, is to find a local, independent agent, who can help you balance cost with coverage.
Answered by mbrcatz - Wed Apr 1 22:11:43 2009

What are some insurance companies that offer insurance if you become disabled due to accident?
Q. Hello everyone. I have life insurance and accidental death insurance, but I am looking for a company that offers insurance for money if you get injured in an accident and become disabled. I show horses and ride often. I am looking for something that would protect my family in case of a disabeling injury. Please only serious answers. Please don't suggest yahoo or google...I am looking for actual companies. God bless!
Asked by demongelding1@hotmail.com - Mon Apr 2 17:16:02 2007 - - 5 Answers - 1 Comments

A. Disability coverage for someone who rides horses for a living? OUCH, it's going to be expensive. Your BEST bet is to contact a local independent agent, because not all companies write insurance in all states, and have them shop this out. It's going to be really, really expensive. I'm thinking, $1,000 to $2500 a month, if you're under 40 and in great health right now.
Answered by mbrcatz - Mon Apr 2 18:28:36 2007

What the insurance will do if the two parties of the car accident all have policy with the same insurer?
Q. I had a car accident and I believe it was third party's fault. However, the third party and I have policy from the same insurance company. The legal insurance is same as well. What should I do to make sure that the insurance would act without interest conflict? If I use different legal firm, will it be better?
Asked by confuser - Thu Nov 1 13:41:23 2007 - - 13 Answers - 1 Comments

A. You have one advantage in that the insurance company will have both people's versions of the incident and be able to better apportion liability quickly. They should advise you of the conflict of interest under FSA rules. The fact that you are insured with the same insurer does not affect your rights under contract (they must repair your car if you have comprehensive cover) nor does it affect the other driver's rights under contract (the insurance company must pay damages you claim against him - under the liability section, if they think he is at fault). Hopefully the insurance company will quickly decide on who is at fault and pay you your uninsured losses (excess, loss of earnings, injury etc). If not then you will have to look at the… [cont.]
Answered by welcome news - Fri Nov 2 10:29:51 2007

How do i fight with an insurance company and win?
Q. I had surgery in June and my insurance has no deductible. The insurance company paid the doctor and the pathologist, but they wont pay the hospital. the insurance company says they havent gotten a bill. the hospital says they have sent it and received a denial with no explanation from the insurance company. I dont know what to do. I've asked for the hospital to send me the bill to submit myself, but they dont do it. They say they do, but I never get it. I'm so frustrated. What can I do??? The hospital has an out-of-state company do their billing or I would go there in person. My insurance company is also out of state. *sigh* help.. i have no deductible, there is no reason why they wouldnt pay, they've paid everything else I just think the… [cont.]
Asked by starsandmoon73 - Thu Feb 15 22:09:38 2007 - - 17 Answers - 0 Comments

A. At this point I don't think it's the insurance you need to fight. It's the Hospital. I mean if you haven't gotten what they promised to send you numerous times, you think the insurance got their claim? If the insurance denied it, it would state a reason and if not the Hospital would have called to find out the reason. Call the hospital billing department and tell them to fax you a copy of the insurance EOB (explanation of benefits). If the insurance denied your claim there will be a claim number given by the insurance company. If they don't do it then tell them you want to talk to a manager. Once you get the denial you can call your insurance company and give them the claim number. They can look it up this way to pull up the… [cont.]
Answered by Nette - Thu Feb 15 22:20:27 2007

How long does an insurance company need to approve a medical insurance application?
Q. My medical insurance has expired and I've just decided which one to buy next. How long does an insurance company need to approve an application and get it activated?? I have no medical insurance right now so I'm kinda worry because of the swine flu.
Asked by summerhill - Thu Apr 30 01:17:58 2009 - - 5 Answers - 0 Comments

A. Depending on the company and if they need to get medical records it can take anywhere from 2 days to 6 weeks with an average of about 10 days. If it is a clean application and you have no health conditions 2 to 5 days. If they need to call you to verify something on the application it can take 5 to 10 days. If they need medical records sometimes doctors are very slow in sending those records in so it could take 2 to 6 weeks.
Answered by Zarnev - Thu Apr 30 02:40:27 2009

With the high cost of insurance and the low home values is it worth losing your home to carry medical insuranc?
Q. Which would you chose; to go in debt to pay for insurance in case something happens so you do not lose your home? Or not pay for insurance and hope to god nothing happens bad enough to make you lose your home anyway by not having insurance? If you had to pay your insurance and do not currently how would this affect you, and what would you do?
Asked by who's sane - Thu Feb 12 22:33:20 2009 - - 5 Answers - 0 Comments

A. Insurance of all kinds is a gamble. You are trying to protect yourself from a "bad" event. Often when that bad event happens the Insurance Companies do their best not to offset your loss by denying your claim on a technicality. This is true of all Insurance of all kinds. Blue Sheild of California has just lost a court battle for canceling policies on technicalities as soon as a policy holder needed the coverage to cover an illness or injury. They must reinstate thousands of such policies and reimburse those clinents for their out of pocket expenses. But while they battled it out in court how many of those policy holders lost everything because they did not have the money to pay those medical bills they thought they were protected form? How… [cont.]
Answered by PrivacyNowPlease! - Fri Feb 13 11:13:27 2009

How long can you wait to notify a insurance company about a potential claim?
Q. How long can you wait to notify a insurance company about a potential claim? You know how an insurance tell there clients that they have to report a claim(personal injury/premise liablity) or something. Most insurance policies have a requirement that your notify the insurance company of any potential claim within a very short period of time after the incident occurs. I live in NY. How long can you wait to tell them? How much would that short period of time be? Landlord have been recieving letters frommy lawyer and he havent sent them over to his insurance company. This been going on since May 1st of this year. Can the insurance deny him coverage?
Asked by John - Mon Aug 13 00:24:06 2007 - - 2 Answers - 1 Comments

A. If you want any help from insurance, you call them "NOW" Any insurable claim has to be reported so they can be part of initial investigation If you leave them out of the loop, they will leave you out of the loop. What does that mean?? Instead of them helping you, you have to sue them, and that means you have to prove in court, that they have to cover you. It is better and cheaper to have them as partners instead of adversaries
Answered by bob shark - Mon Aug 13 00:33:26 2007

What is the least amount of car insurance I need to have on a car that doesn't have a loan on it?
Q. I live in Wisconsin and havent had insurance in about four years. I am getting married in six months and my fiance's insurance agent said that I should get insurance now, six months before the wedding, so that once we get married and I get added onto his insurance, I won't raise his insurance since I am considered high risk since I havent had insurance the last six months or more. So, if I get insurance on my won for six months, it will be high risk for those six months, but then six montsh from now, I won't be high risk, which will be good becasue six months from now is when i would get married and added onto his insurance. Now, I am going to get insurance on a car that doesn't have a loan on it, and I am wondering how much insurance I… [cont.]
Asked by Amanda - Tue Feb 13 12:03:20 2007 - - 6 Answers - 3 Comments

A. You should qualify for liablity insurance instead of full coverage. The actaul amount of insurance depends on what your car is worth right now, how old it is, your past driving record and your "hi risk" lable will definately have an effect. You'll have to get quoted at a few different places to be sure what company has the lowest rate for you.
Answered by his love - Tue Feb 13 12:35:27 2007

How does business insurance work in a lawsuit?
Q. As a small business, I'm finally getting around to looking at business insurance. God forbid I should get sued, but that would be the only reason I would get insurance at this point. If I get sued (assuming I did nothing wrong that would terminate coverage), what are my responsibilities with regard to paying legal fees? What role will the insurance company play or what control will they have in the litigation process?
Asked by ZeeZee - Fri Apr 17 11:49:10 2009 - - 4 Answers - 0 Comments

A. In the event of a lawsuit the insurance company would undertake your defense and pay the associated legal fees as well as paying for legal counsel. The insurance company has complete legal control in the litigation process, they choose whether to settle or contest the issue in a court of law. In the real world it is rare that an insurance company would actually go to court. In most cases they would seek a settlement. This of course assumes that the incident is covered by your policy. A lawsuit may contain several complaints. The insurance company is obligated to provide a defense for you if any of the claims could be covered, but the company may not be obligated to pay the damages for certain types of claims. Liability policies, for… [cont.]
Answered by Tom Z - Sat Apr 18 15:03:02 2009

What insurance companies cover include gastric bypass or lap band procedures?
Q. The insurance I have through my job (PHCS) has verbally stated that they will not cover ANY weight loss related procedures. My doctor is wanting me to do the lap band procedure so I would like to see about getting my own insurance that will cover the cost. Any suggestions?
Asked by C G - Fri Nov 9 16:21:19 2007 - - 2 Answers - 0 Comments

A. Many group policies do cover lap band and some individual policies do as well. However, the individual policies have height and weight guidelines, and if you're overweight enough to have lap band recommended you will be outside those guidelines and will be declined coverage. You may want to check with a local independent agent just to make sure but don't hold your breath. If you do find a company that will accept you and will cover the lap band procedures they'll probably have a waiting period before you can get covered.
Answered by Zarnev - Sat Nov 10 22:09:22 2007

What insurance do I need to supply a food product to a store?
Q. I have been told that i need different types of insurance to supply coffee/tea to a store. Somethings that have crossed my path are bonding, liability insurance. Can someone explain this to me please? any ideas to where i can also get this type of insurance from?
Asked by pissu_kolla - Thu Feb 23 14:14:24 2006 - - 3 Answers - 1 Comments

A. You need General Liability Insurance, including product liability insurance. This is to protect the store (and you) in case there is a problem with the food you provide, someone gets sick and sues you (or the store). If you have employees, you'll also need workers compesation in case one of your employees gets hurt while on the job. Not sure why you'd need bonding insurance unless the store is looking to protect itself against some breach of duty that you have ot supply them with product.
Answered by JeffyB - Thu Feb 23 14:20:34 2006

What is that Insurance commercial with the man and woman having an conversation?
Q. I am asking for someone else, but I was wondering what was that insurance commercial when the insurance man calls the woman to tell her that her payments where later and later, then she completely stopped paying, I know someone who wants this insurance, but can't think of the name of the company.
Asked by Pro Gamer - Wed Jul 18 02:45:23 2007 - - 1 Answers - 0 Comments

A. If you and I are thinking of the same commercial, I think that it was for a debt consolidation company. I'm not sure which one.
Answered by TEA - Wed Jul 18 15:19:23 2007

Where do car insurance companies get your driving record in CA?
Q. I hit a guys bumper while driving a company car a couple of years ago and I thought he filed a claim but the company took care of it and I never heard about it again. I'm getting car insurance and I pulled my driving record from the DMV and all I have is a seatbelt violation but no accidents. Is there another database somewhere that insurance companies will check or is it just your DMV record? Maybe this all got settled without insurance intervention and I dont' want to pay higher fees if its not necessary. Am I in the clear?
Asked by True2it - Mon Dec 10 16:40:30 2007 - - 6 Answers - 1 Comments

A. Was a citation issued at the time of the accident? If not, it won't show up in the MVD. The insurance industry also has something similar to a credit report, called the CLUE report that lists past property and casualty claims made by you. That is used as well in determining your insurability.
Answered by Scott H - Mon Dec 10 17:17:53 2007

Can I reimburse myself health insurance costs from my company?
Q. We used to have individual health insurance, and I would pay for it out of my own company (an S Corp). When we got insurance through my husband's employer, I stopped reimbursing myself. He is paid for by the company, and then it costs extra to add myself and our child. I was just going to deduct health insurance premiums on our Sch A, but we don't have enough other medical expenses to meet the limit. Is it ligit to go ahead and reimburse myself the amount that it cost for the health insurance? Then it would be a business expense. Thanks.
Asked by Jackie S - Sat Jan 5 20:06:56 2008 - - 3 Answers - 1 Comments

A. No. The insurance through your husband's employer does not meet the test of having been established through the S-corp.
Answered by v b - Sat Jan 5 20:16:49 2008

Personal and public liability insurance - Is it possible to get a combined policy?
Q. I'm about to set up a small sole trader business in the UK making furniture and I am going to be moving into a small industrial unit which I will be renting. I have been advised by the people who are renting out the unit that I need to get personal and public liability insurance. I have done a few searches on the internet but I can't see any companies that have a combined policy. In other words it seems I have to get two seperate insurance policies for personal and public insurance. Is this right? Or is it the case that public liability also includes personal liability.
Asked by Antony G - Thu Jul 12 10:01:06 2007 - - 5 Answers - 0 Comments

A. OK, I filter to US Only questions (not english only) and this came up, so I'm guessing that maybe you're not going to get many UK answers. Here in the US, and most of the rest of the world, it's true - there are TWO different kinds of liability - personal, and business. "Public" is a misnomer - public can be either personal, or business. Or maybe it's just a UK way to say 'business'. But, you CANNOT combine the two. The rating basis and coverages are WILDLY divergent. Business liability does NOT include personal liability, but it DOES extend coverage, to some extent, over employees in the course of employment. With exclusions, of course.
Answered by mbrcatz - Thu Jul 12 12:41:08 2007

How long does it take an insurance company to issue an automobile insurance policy after receiving deposit?
Q. I've been with the same company almost five years. My car insurance is renewed every six months, after I make the required renewal deposit. Like clockwork, I receive the new payment coupons, and temporary insurance card. However, I don't get the permanent insurance card and new policy stating the value of my vehicle, until almost a month later. Sometimes longer. Is this legal? If so, why does it take so long for the agent to issue the new policy, and how will this effect me if I ever disagree with what's in the policy? P.S. I'm not referring to how soon the new insurance is "effective", I'm referring to how soon the new policy is "received". To my knowledge, the policy is renewed immediately for six months after I make the deposit, even… [cont.]
Asked by A.J. - Wed Mar 14 04:30:19 2007 - - 5 Answers - 0 Comments

A. Well for one your first payment is not a deposit. It s a down payment or first payment, a deposit would imply that the money is being put up only to hold something or until further approval and that you have some right to a refund. With regards to insurance you have no right to any monies back from your first payment unless the policy is flat canceled, and then you would be entitled to any unearned premium less any fees from that payment. Depending on the State in which your policy is written a carrier can have up to 90 days to send you a Policy Declaration Page and Policy but this is not normal practice with most carriers. Most will try and get those to you with-in a few days of issuance of the policy or as quickly as they can. Your… [cont.]
Answered by deanspurrier - Wed Mar 14 09:57:17 2007

What is the best insurance in Australia for 2 houses, 2 cars, 1 home and contents and landlord insurance?
Q. What is the best insurance company for multiple polices? We have 2 houses which are being rented out, so we need landlord insurance for those 2 as well. The house and contents for the home we live in, and two cars. We are currently with NRMA. This is in New South Wales, Australia.
Asked by Selina - Tue Feb 3 01:29:46 2009 - - 2 Answers - 0 Comments

A. Probably worth seeing a broker with that little lot, they may be able to get you a better deal ...and that way they do all the running round, not you. got to be worth an email or two
Answered by Grocer Jack - Thu Feb 5 01:58:35 2009