How much is malpractice insurance for neurosurgeons by state?
Q. I need to know the average malpractice insurance for neurosurgeons in different states.I want to practice in a state where the insurance isn't so expensive.I live in NYC and here,the insurance is almost $1000.I prefer going to another city than giving all that money for the insurance.I never had any problem in my career and I don't need this type of insurance. Can you help me? PS. I am paid very well,but I don't like spending money on things that I don't need.
Asked by Leo - Wed Nov 4 01:39:09 2009 - - 1 Answers - 1 Comments
A. There's no average. You can't average no retro date and no tail, with 30 years of prior coverage. But if you don't "need" this type of insurance, don't buy it. No hospital will actually allow you to use their operating room without it, anywhere, in the USA, but hey, if you don't NEED it, hey. As to where it's cheaper - Not in the state of NY. Generally, the states which limit tort (republican states) are more friendly to doctors. But your professional association, or professional magazines, should be giving you a list of cheaper states. I believe there are at least 45 of them, LOL.
Answered by mbrcatz - Wed Nov 4 09:27:33 2009
Q. I need to know the average malpractice insurance for neurosurgeons in different states.I want to practice in a state where the insurance isn't so expensive.I live in NYC and here,the insurance is almost $1000.I prefer going to another city than giving all that money for the insurance.I never had any problem in my career and I don't need this type of insurance. Can you help me? PS. I am paid very well,but I don't like spending money on things that I don't need.
Asked by Leo - Wed Nov 4 01:39:09 2009 - - 1 Answers - 1 Comments
A. There's no average. You can't average no retro date and no tail, with 30 years of prior coverage. But if you don't "need" this type of insurance, don't buy it. No hospital will actually allow you to use their operating room without it, anywhere, in the USA, but hey, if you don't NEED it, hey. As to where it's cheaper - Not in the state of NY. Generally, the states which limit tort (republican states) are more friendly to doctors. But your professional association, or professional magazines, should be giving you a list of cheaper states. I believe there are at least 45 of them, LOL.
Answered by mbrcatz - Wed Nov 4 09:27:33 2009
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 - - 7 Answers - 5 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
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 - - 7 Answers - 5 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 typically happens to the insurance industry during a period of economic recession?
Q. Are people more afraid and purchase more insurance or less? Does it make them delay purchasing insurance? Life and Health insurance specifically. More specifically senior medical supplement policies, advantage plans, life insurance, long term care insurance, and annuities. I'm asking for myself. Is it a good time economically in the U.S. today to sell these products? General or specific information will be helpful. Thank you for your experience and thoughts.
Asked by Jen - Thu Oct 18 22:21:25 2007 - - 4 Answers - 1 Comments
A. "People are buying insurance products regardless of economic conditions.The insurance industry and large-cap consumer staples companies also tend to pay meaningful dividends -- and steadily raise them -- enhancing their overall quality and appeal. Dividend income is always welcomed by consumers, especially so in choppy markets when you're effectively paid to wait until the turmoil subsides.To answer your question if is a good time to sell in U.S.i say it is! not only in U.S. but also in Europe.
Answered by thenetsurfer - Fri Oct 19 11:01:54 2007
Q. Are people more afraid and purchase more insurance or less? Does it make them delay purchasing insurance? Life and Health insurance specifically. More specifically senior medical supplement policies, advantage plans, life insurance, long term care insurance, and annuities. I'm asking for myself. Is it a good time economically in the U.S. today to sell these products? General or specific information will be helpful. Thank you for your experience and thoughts.
Asked by Jen - Thu Oct 18 22:21:25 2007 - - 4 Answers - 1 Comments
A. "People are buying insurance products regardless of economic conditions.The insurance industry and large-cap consumer staples companies also tend to pay meaningful dividends -- and steadily raise them -- enhancing their overall quality and appeal. Dividend income is always welcomed by consumers, especially so in choppy markets when you're effectively paid to wait until the turmoil subsides.To answer your question if is a good time to sell in U.S.i say it is! not only in U.S. but also in Europe.
Answered by thenetsurfer - Fri Oct 19 11:01:54 2007
What insurance is needed for casual outside workers?
Q. We live on acreage in Brisbane and need quite a lot of outside work done. Things like brushcutting, weed spraying, gardening, scrub clearing etc We would supply tools and materials etc so the job would suit an unemployed person or a student. What if they are hurt in some way while doing the work? Do we need to take out insurance for them? If so, what type of insurance is it and who should we get it from? I'm pretty sure that normal workers compensation insurance doesn't apply to workers who are employed by householders.
Asked by Ozmaniac - Wed Apr 22 23:21:07 2009 - - 1 Answers - 1 Comments
A. Try liability insurance or a cafeteria type insurance plan for insuring your casual outside workers or see if your home owners policy would cover it.
Answered by Persephone - Wed Apr 22 23:26:21 2009
Q. We live on acreage in Brisbane and need quite a lot of outside work done. Things like brushcutting, weed spraying, gardening, scrub clearing etc We would supply tools and materials etc so the job would suit an unemployed person or a student. What if they are hurt in some way while doing the work? Do we need to take out insurance for them? If so, what type of insurance is it and who should we get it from? I'm pretty sure that normal workers compensation insurance doesn't apply to workers who are employed by householders.
Asked by Ozmaniac - Wed Apr 22 23:21:07 2009 - - 1 Answers - 1 Comments
A. Try liability insurance or a cafeteria type insurance plan for insuring your casual outside workers or see if your home owners policy would cover it.
Answered by Persephone - Wed Apr 22 23:26:21 2009
What kind of insurance do insurance companies need to buy for their own company?
Q. I want to start an insurance company, but I need to know what kind of insurance I need to purchase for my own company. I have done research and can't find this. (Please do not tell me how to start one, or anything else besides what insurance I need, if any.)
Asked by Twig - Sun Jun 1 00:23:12 2008 - - 3 Answers - 0 Comments
A. Do you want to start an insurance company or an insurance agency? There is a difference. I'm guessing you want to start an agency because if you had the millions of dollars needed to start an insurance company you'd have the knowledge already or at least the money to hire someone who knew. For an agency you'll need E & O insurance. Also, depending on your situation you'll need a business general liability and property coverage. You'll need business auto or at least a business classification on your auto insurance if you have vehicles. If you hire someone you'll need workman's comp and possibly health insurance, disability, etc. for the employees.
Answered by Zarnev - Sun Jun 1 01:17:58 2008
Q. I want to start an insurance company, but I need to know what kind of insurance I need to purchase for my own company. I have done research and can't find this. (Please do not tell me how to start one, or anything else besides what insurance I need, if any.)
Asked by Twig - Sun Jun 1 00:23:12 2008 - - 3 Answers - 0 Comments
A. Do you want to start an insurance company or an insurance agency? There is a difference. I'm guessing you want to start an agency because if you had the millions of dollars needed to start an insurance company you'd have the knowledge already or at least the money to hire someone who knew. For an agency you'll need E & O insurance. Also, depending on your situation you'll need a business general liability and property coverage. You'll need business auto or at least a business classification on your auto insurance if you have vehicles. If you hire someone you'll need workman's comp and possibly health insurance, disability, etc. for the employees.
Answered by Zarnev - Sun Jun 1 01:17:58 2008
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 Mei Xiang - Sun Sep 27 13:28:08 2009 - - 1 Answers - 0 Comments
A. insurance tips :
Answered by Path Ock - Sun Sep 27 17:33:15 2009
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 Mei Xiang - Sun Sep 27 13:28:08 2009 - - 1 Answers - 0 Comments
A. insurance tips :
Answered by Path Ock - Sun Sep 27 17:33:15 2009
What is the base minimum of insurance required in Colorado?
Q. I know that we need liability insurance, but is there a minimum on other types of insurance? Specifically, house insurance, RV insurance and boat insurance. Oh, and motorcycle insurance. Thanks.
Asked by Vinnie - Tue Dec 1 20:25:31 2009 - - 3 Answers - 0 Comments
A. Auto liability, and workers compensation. Any vehicle on a public roadway or public water is required to carry liability. Any employer is required to carry workers compensation. Besides that, everything is voluntary. So, there's no law that says you have to carry homeowners insurance. HOWEVER. If you want to borrow money to BUY that home, your LENDER will require it, and you'll agree to carry it, or you won't get the loan.
Answered by mbrcatz - Wed Dec 2 18:01:33 2009
Q. I know that we need liability insurance, but is there a minimum on other types of insurance? Specifically, house insurance, RV insurance and boat insurance. Oh, and motorcycle insurance. Thanks.
Asked by Vinnie - Tue Dec 1 20:25:31 2009 - - 3 Answers - 0 Comments
A. Auto liability, and workers compensation. Any vehicle on a public roadway or public water is required to carry liability. Any employer is required to carry workers compensation. Besides that, everything is voluntary. So, there's no law that says you have to carry homeowners insurance. HOWEVER. If you want to borrow money to BUY that home, your LENDER will require it, and you'll agree to carry it, or you won't get the loan.
Answered by mbrcatz - Wed Dec 2 18:01:33 2009
Does comprehensive car insurance cover others not on the policy?
Q. My Brother has a full comprehensive UK car insurance. Can I drive his car and be covered by the insurance even though I am not listed on the insurance and live at the same address. I have a full UK license, he claims I am covered because he gives me the permission to drive the car which according to him is right. I have read the insurance policy but my brains are not big enough to understand that "given permission" part. If anyone can throw more light on this, it will be fully appreciated.
Asked by justasking - Thu Apr 8 09:19:22 2010 - - 5 Answers - 0 Comments
A. you need to be a named driver on the policy to be able to drive on his insurance
Answered by Manxbiker - Thu Apr 8 09:22:29 2010
Q. My Brother has a full comprehensive UK car insurance. Can I drive his car and be covered by the insurance even though I am not listed on the insurance and live at the same address. I have a full UK license, he claims I am covered because he gives me the permission to drive the car which according to him is right. I have read the insurance policy but my brains are not big enough to understand that "given permission" part. If anyone can throw more light on this, it will be fully appreciated.
Asked by justasking - Thu Apr 8 09:19:22 2010 - - 5 Answers - 0 Comments
A. you need to be a named driver on the policy to be able to drive on his insurance
Answered by Manxbiker - Thu Apr 8 09:22:29 2010
Can i start insurance on a new car with a new insurance provider before the current policy runs out ?
Q. My current car insurance policy runs out at the end of the month and I will not be renewing with them. I am getting a new car approx 2 weeks before the expiry date. Can i start the insurance with another company and 'overlap' the insurance ?
Asked by Pinsentry - Mon Feb 9 09:37:09 2009 - - 2 Answers - 1 Comments
A. You CAN do that since you are changing anyway. You might want to notify your PRIOR insurance company once you have the NEW coverage in force - just to avoid any duplication of coverage and any "earned premium." If the company automatically renews and you don't inform them, they might try to collect for the time you had coverage in force. Just show them a copy of your NEW policy and they will cancel the old. That's the way it SHOULD be done. Good luck, drive responsibly and I hope this helps!
Answered by Insuranceman - Mon Feb 9 10:13:40 2009
Q. My current car insurance policy runs out at the end of the month and I will not be renewing with them. I am getting a new car approx 2 weeks before the expiry date. Can i start the insurance with another company and 'overlap' the insurance ?
Asked by Pinsentry - Mon Feb 9 09:37:09 2009 - - 2 Answers - 1 Comments
A. You CAN do that since you are changing anyway. You might want to notify your PRIOR insurance company once you have the NEW coverage in force - just to avoid any duplication of coverage and any "earned premium." If the company automatically renews and you don't inform them, they might try to collect for the time you had coverage in force. Just show them a copy of your NEW policy and they will cancel the old. That's the way it SHOULD be done. Good luck, drive responsibly and I hope this helps!
Answered by Insuranceman - Mon Feb 9 10:13:40 2009
What happens to my insurance after i got a speeding ticket?
Q. I got a speeding ticket for the first time ever. The cop put me down as 80+ mph, which i needed to go 70mph. When my insurance bill comes in, would my insurance be higher? Also my insurance is AAA. I still haven't gotten my actual ticket in the mail yet, and i was wondering if my insurance bill would be any higher until I'm proven guilty, because i know that if i can take traffic school, it won't get any higher & the point taken off. But i was wondering until then, would it still get higher?
Asked by Mei Xiang - Sun Sep 27 13:30:04 2009 - - 5 Answers - 1 Comments
A. insurance tips :
Answered by Path Ock - Sun Sep 27 17:33:28 2009
Q. I got a speeding ticket for the first time ever. The cop put me down as 80+ mph, which i needed to go 70mph. When my insurance bill comes in, would my insurance be higher? Also my insurance is AAA. I still haven't gotten my actual ticket in the mail yet, and i was wondering if my insurance bill would be any higher until I'm proven guilty, because i know that if i can take traffic school, it won't get any higher & the point taken off. But i was wondering until then, would it still get higher?
Asked by Mei Xiang - Sun Sep 27 13:30:04 2009 - - 5 Answers - 1 Comments
A. insurance tips :
Answered by Path Ock - Sun Sep 27 17:33:28 2009
Where can you buy insurance for connecting to the power grid with a wind generator in Texas?
Q. I have a friend who would like to install a wind generator for electricity, but the local power company will not let him connect to the power grid unless he can show that he has a million dollars insurance. Well, he cannot find any company that offers that type of insurance for any price. He has written to everyone he can think of but still no source of insurance. The reason he wants to connect to the power grid is to use it as his storage system so that he doesn't have to maintain a whole bank of storage batterys. Does anyone know where he can get this type of insurance for a system that will be in the state of Texas?
Asked by duncanelectronicstexas - Wed Sep 6 10:36:26 2006 - - 2 Answers - 0 Comments
A. Call your electric company; the folk you would have had to call anyway to get connected & let them know that you would like a reverse meter so that they can measure how much energy that you are back feeding. There is specific wiring for this that has to be approved through your county anyway & it is a safety feature for people working on the lines after a storm so you don't inadvertantly electrocute a lineman who is trying to restore power around you. They will no doubt have the answers that you need or can advise you on where to look for the insurance. The way that you do a million dollar insurance policy is called an umbrella policy on the homeowner's. That isn't hard. It is a property insurance that goes above what the homeowner's… [cont.]
Answered by LadyGrey21 - Wed Sep 6 10:43:53 2006
Q. I have a friend who would like to install a wind generator for electricity, but the local power company will not let him connect to the power grid unless he can show that he has a million dollars insurance. Well, he cannot find any company that offers that type of insurance for any price. He has written to everyone he can think of but still no source of insurance. The reason he wants to connect to the power grid is to use it as his storage system so that he doesn't have to maintain a whole bank of storage batterys. Does anyone know where he can get this type of insurance for a system that will be in the state of Texas?
Asked by duncanelectronicstexas - Wed Sep 6 10:36:26 2006 - - 2 Answers - 0 Comments
A. Call your electric company; the folk you would have had to call anyway to get connected & let them know that you would like a reverse meter so that they can measure how much energy that you are back feeding. There is specific wiring for this that has to be approved through your county anyway & it is a safety feature for people working on the lines after a storm so you don't inadvertantly electrocute a lineman who is trying to restore power around you. They will no doubt have the answers that you need or can advise you on where to look for the insurance. The way that you do a million dollar insurance policy is called an umbrella policy on the homeowner's. That isn't hard. It is a property insurance that goes above what the homeowner's… [cont.]
Answered by LadyGrey21 - Wed Sep 6 10:43:53 2006
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
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
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
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 can insurance companies not refuse insurance for people with pre existing conditions?
Q. Under Obama's health plan, insurance can't be refused because of a pre existing condition (at least that's what I heard). How would that work? Why would anyone get insurance before getting sick? How would that not bankrupt the companies?
Asked by Nathan - Sat Nov 21 02:19:05 2009 - - 3 Answers - 1 Comments
A. Only stupid people would buy insurance before they need it. It would bankrupt companies, or more likely, drive prices through the roof. Just like, why would you buy a lottery ticket good for the drawing, BEFORE you know what the numbers are, if you can also buy it AFTER, for those exact numbers?!? This concept is called "adverse selection", and the politicians have been working very hard to ignore it.
Answered by mbrcatz - Sat Nov 21 11:37:42 2009
Q. Under Obama's health plan, insurance can't be refused because of a pre existing condition (at least that's what I heard). How would that work? Why would anyone get insurance before getting sick? How would that not bankrupt the companies?
Asked by Nathan - Sat Nov 21 02:19:05 2009 - - 3 Answers - 1 Comments
A. Only stupid people would buy insurance before they need it. It would bankrupt companies, or more likely, drive prices through the roof. Just like, why would you buy a lottery ticket good for the drawing, BEFORE you know what the numbers are, if you can also buy it AFTER, for those exact numbers?!? This concept is called "adverse selection", and the politicians have been working very hard to ignore it.
Answered by mbrcatz - Sat Nov 21 11:37:42 2009
Can I get home contents insurance if my landlady works from home?
Q. My landlady teaches piano from home as a full time job, would I be able to get contents insurance? I went to an online insurance site and it said I would have to call them if I share my home with renters/lodgers (which I do) and also it assumes that 'You do not use your home for any business purposes or for the storage of business goods'. What insurance would I need or would it be my landlady's responsibility to get cover? Could I be included in her insurance?
Asked by afosa_ragazza - Tue Apr 14 15:20:37 2009 - - 1 Answers - 0 Comments
A. The concept of health insurance was proposed in 1694 by Hugh the Elder Chamberlen from the Peter Chamberlen family. In the late 19th century, "accident insurance" began to be available, which operated much like modern disability insurance.This payment model continued until the start of the 20th century in some jurisdictions (like California), where all laws regulating health insurance actually referred to disability insurance.
Answered by Meteora Lp - Thu Apr 16 23:56:11 2009
Q. My landlady teaches piano from home as a full time job, would I be able to get contents insurance? I went to an online insurance site and it said I would have to call them if I share my home with renters/lodgers (which I do) and also it assumes that 'You do not use your home for any business purposes or for the storage of business goods'. What insurance would I need or would it be my landlady's responsibility to get cover? Could I be included in her insurance?
Asked by afosa_ragazza - Tue Apr 14 15:20:37 2009 - - 1 Answers - 0 Comments
A. The concept of health insurance was proposed in 1694 by Hugh the Elder Chamberlen from the Peter Chamberlen family. In the late 19th century, "accident insurance" began to be available, which operated much like modern disability insurance.This payment model continued until the start of the 20th century in some jurisdictions (like California), where all laws regulating health insurance actually referred to disability insurance.
Answered by Meteora Lp - Thu Apr 16 23:56:11 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
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
How would health insurance businesses be able to stay viable if the Senate bill is passed?
Q. As I understand it, the bill forces all Americans to have health insurance. However, I think that the fine for having no health insurance is around $750. But after the year 2014, health insurance companies will not be able to turn customers away for preexisting conditions. Why wouldnt someone pay the fine or buy low end coverage until they got ill and supplement the coverage or buy an extensive plan?
Asked by johma513 - Tue Dec 22 21:52:54 2009 - - 3 Answers - 3 Comments
A. i htought the main reason of living in a society was to help each other out, am i wrong?
Answered by Trapped In The USA - Tue Dec 22 22:17:08 2009
Q. As I understand it, the bill forces all Americans to have health insurance. However, I think that the fine for having no health insurance is around $750. But after the year 2014, health insurance companies will not be able to turn customers away for preexisting conditions. Why wouldnt someone pay the fine or buy low end coverage until they got ill and supplement the coverage or buy an extensive plan?
Asked by johma513 - Tue Dec 22 21:52:54 2009 - - 3 Answers - 3 Comments
A. i htought the main reason of living in a society was to help each other out, am i wrong?
Answered by Trapped In The USA - Tue Dec 22 22:17:08 2009
What type of insurance do I need to run a bus transit company at my university? Ball park price?
Q. I was looking to start a bus transit company that will pick up and drop off students from one point on campus to another. I was wondering what type of insurance am I required to have. I need 4 transits for the company to operate the way it is supposed to. Does anyone know what type of insurance is required for an operation as such and/or how much that insurance would be? I don't need an exact price, I am just looking for a ball park price. Thanks in advance.
Asked by jharristhetruth - Mon Jan 18 22:22:47 2010 - - 2 Answers - 0 Comments
A. You will need a few types of insurance. General Liability, Commercial Auto and workman's compensation if you plan on having any employees. General Liability - This protects third parties if you are negligent and cause harm to a person or property. (Does not cover accidents that happen while behind the wheel) Commercial Auto - This is just like personal auto insurance but for vehicles used commercially. Workers Compensation - This covers your employees in case of an accident either in or out of the vehicle. I bet the general liabilty and workers compensation will put you back about $1,200 per year. The autos, figure anywhere between $1,500 and $2,500 each. There is no way to get a price without talking to an insurance broker.
Answered by John the Insurance Guy - Tue Jan 19 14:25:18 2010
Q. I was looking to start a bus transit company that will pick up and drop off students from one point on campus to another. I was wondering what type of insurance am I required to have. I need 4 transits for the company to operate the way it is supposed to. Does anyone know what type of insurance is required for an operation as such and/or how much that insurance would be? I don't need an exact price, I am just looking for a ball park price. Thanks in advance.
Asked by jharristhetruth - Mon Jan 18 22:22:47 2010 - - 2 Answers - 0 Comments
A. You will need a few types of insurance. General Liability, Commercial Auto and workman's compensation if you plan on having any employees. General Liability - This protects third parties if you are negligent and cause harm to a person or property. (Does not cover accidents that happen while behind the wheel) Commercial Auto - This is just like personal auto insurance but for vehicles used commercially. Workers Compensation - This covers your employees in case of an accident either in or out of the vehicle. I bet the general liabilty and workers compensation will put you back about $1,200 per year. The autos, figure anywhere between $1,500 and $2,500 each. There is no way to get a price without talking to an insurance broker.
Answered by John the Insurance Guy - Tue Jan 19 14:25:18 2010
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 - 1 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
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 - 1 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
How does health insurance work - when insurance premium can generally increase?
Q. If family of two have health insurance, and one of them decide to use it for couple medical procedures will insurance policy premium go up? Please advice. Thanks.
Asked by tula mccann - Wed Aug 26 17:10:40 2009 - - 2 Answers - 0 Comments
A. No. The premiums will not go up for that. Usually health insurance is up for renewal once a year and the cost increases at that time, but not just because you use your policy. The cost of group health insurance where I work has had double digit increases in the premiums every year for 10 years now. The health insurance companies are out of control. If you have insurance and need health care - go get the care you need. Check out this site, if you want to find the cheapest health insurance just in one minute, Here you can get free quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company. Best Wishes,
Answered by kimiko freitas - Wed Aug 26 17:11:41 2009
Q. If family of two have health insurance, and one of them decide to use it for couple medical procedures will insurance policy premium go up? Please advice. Thanks.
Asked by tula mccann - Wed Aug 26 17:10:40 2009 - - 2 Answers - 0 Comments
A. No. The premiums will not go up for that. Usually health insurance is up for renewal once a year and the cost increases at that time, but not just because you use your policy. The cost of group health insurance where I work has had double digit increases in the premiums every year for 10 years now. The health insurance companies are out of control. If you have insurance and need health care - go get the care you need. Check out this site, if you want to find the cheapest health insurance just in one minute, Here you can get free quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company. Best Wishes,
Answered by kimiko freitas - Wed Aug 26 17:11:41 2009
From Yahoo Answer Search: 'insurance'
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Group Acquires Genesis Risk Advisors, LLC Insurance Agency Insurance News Net (press release) The founders of Genesis Risk Advisors (Gary Farbish, Craig Weinstein, and Charles Goldman) will now lead the expansion of the MDW Insurance Group into ...
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Sat, 31 Jul 2010 00:47:26 GM
If you are like me, you probably want to get the best womens car . insurance. cheap rates deal possible on your auto . insurance. . You probably.
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