 HIPPA with employer insurance.? |
| Yesterday I received phone call from my insurance carrier. My husband is primary insurance holder. He is getting insurance from him employer. The lady from insurance company was saying she wants to ... |
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 Insurance won't respond to my stolen car claim? |
| My car was stolen about 45 days ago. I called the police and informed my insurance company. Allstate said it would take them 30 days to investigate the claim and get in touch with me. 2 weeks ago ... |
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 My insurance company just sent me a bill saying they didnt recieve my last payment...? |
| now i dont have the recipet but i do have my debit card statement and its on it. what do i do now?... |
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 Will renters Insurence Cover Flood/Water damage? |
Hi,
Recently my apartment in detroit was flooded completely due to a fire on the 12 floor. I live on the 10 floor directly below the apartment affected. Due to the file and the sprinkler system ... |
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 Is Globe Life insurance good for paying out for burial expenses? |
| My Mom is 76 years old and is concerned that when she passes away there won't be enough for her funeral expenses and wonders if she signs up for this company, if it would help pay out for those ... |
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 I am 23 and just lost health insurance because I went to part time schooling due to only needing 2 classes to? |
| graduate...I have paid for my own insurance for the past 3 months but it is very expensive and my mom is basically paying for it (I work too, but I dont make enough to pay 175 a month for Health I... |
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| how do i report my part time work and still collect unemployment? |
| Im in the mist of unemployment extension benefits now. If I work part time i understand i can still collect if its under 20hours per week. How do I report the hours, and how does it work if I report ... |
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 i have insurance how does the new healthcare bill effect me? |
| i have health insurance and it cost 505.00 a month for my family so how will this new health bill help me i work 64hr bi-week after insurance i only bring home about 332.00 bi-weekly i live in ... |
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 What do you know about being an actuarial? |
I'm studying actuarial in college. and I'm beginning to realize that i have no idea what I'm getting misled into and the pre-judgments people have of established actuarial scare me.
... |
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 Pre-Exisiting Condition Question on New Health Insurance? |
| What happens if I get new insurance (I haven't been to the doctor or held insurance in years), but on my first checkup they find I have Cancer. Would they consider that Pre-Existing and not ... |
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 Why can Doctors refuse to see you because of Insurance? |
| Why can the Doctors in the US refuse to see you just based on what insurance you have like medicare and medicaid or Humana? Every insurance pays. I hope the doctors that are like this get really sick ... |
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 denial of unemployment extension? |
| Today, I was denied an extension for unemployment due to not having 40 times my weekly benefit rate in earnings during my base year. I'm currently in an area where there are little to no jobs, ... |
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 if I go to school full-time in GA but I am a resident of MA, Can I / Do I get car insurance there?cheaper? |
| well I live in MA rite now..but am transferring to college in GA...full-time for next 2-3 years of my life I will be living there on campus...I just got into a car accident and totaled my car...so I ... |
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 a question about insurance? |
| What is the difference in whole life and Term life insurance?... |
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 Pa. auto Insurance 100 mile from home college student discount law.? |
| I live in the state of Pennsylvania. My question is does anyone know if Pa. auto insurance laws don't allow insurance companies to give you a discount on your rates if you have a college student ... |
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 Progressive Car Insurance rates? |
| Alright i am "planning" to get a 2010 camaro 2ss for my 17th b-day. I currently drive a 2002 4 runner sr5, which my dad has insured in our plan under my name. When i get the camaro, can we ... |
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Candypants | How does your current home insurance work when you move to a new house? |
We would like to make a claim on our home insurance for some water damage. We've made several claims in the last 2-3 years. I haven't really noticed an increase in our rates, but maybe it only takes effect once a year? Anyway, we're planning on moving this year, and my husband said we should make this next insurance claim shortly before we sell our house (so the ceiling is properly repaired when we sell), and the rates won't have a chance to go up because we're moving. Is this true? If we move and keep the same insurance company, surely our rates will follow us? Would they follow us if we switched to a different company? |
 
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Meghan
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Rates are based on the number of claims in the area, not just your own. You can be dropped by your insurance company for too many claims if they suspect something.
Regardless, price shop when you move to see if you can get a better rate with an equally reputable company. |
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AmyG
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You are losing sight of what your home insurance is really intended for. It is not for the small claims that most people make...it is not a maintenance contract for upkeep within the home. Your home policy should be used for catastrophic events such as fire. In making several claims you are unable to take advantage of loss free credits and when you move, more than likely the carrier you have now WILL NOT insure you. Some states have "pools" where you would have to submit your coverage to and pay a much higher premium than being with a "regular" company. Your claims history follows you as much as your credit report follows you! |
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Iffy
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Most companies will drop you after the 3rd claim You will have to find a new insurance company for the new home. |
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Gambit
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Rate increases are only seen on renewal. So while you might not see a rate increase for reporting a new claim right away you may see one on renewal. However if you've been making claims lately then you probably do not have a claims free discount, so you don't have a claims free discount to lose (and will never accumulate one at this rate).
Your biggest problem is if you've been making too many claims, then this one may be the straw that breaks the camel's back (assuming your insurer isn't already gearing up to not renew the policy). Your claim history will follow you from dwelling to dwelling. If you decide to switch insurers your claims history will be noted by other insurers, who will more than likely decline to insure you. This means you'll only be eligible for the non-standard market who will offer you: high rates; high deductibles; limited coverage. |
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