Do I need UMBI, UMPD, or Med Pays on my auto insurance policy?

UMPD, UMBI, and Medical Payments are optional coverages on my insurance policy. Are they nessicary? Should I be concerned if my agent doesn’t give me those coverages?

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


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How can I get public health insurance in California?

I am a healthy thirty year old male in Marin County, but I’ve been rejected for health insurance twice now due to a reconstruced knee. What can I do?


Two car insurers?

the reason for two policies. Is because I will be learning In the new car. And I have found that his isueer is a lot more expensive for having me on it than loads I’ve found.


Car insurance question?

So I was in a car accident recently, pretty minor, but the damage to my car exceed the value of my car by A LOT Damage total $2500. Car 91 integra, not worth 2500 anymore. The damage to the front end is a lot of cosmetic, but there is also frame damage, ac compressor broken, head lamp broken, and bald spots on the tires from me breaking so fast. First question in an accident were the at party person assumes responsibility of the car and both parties decide to not go through insurance both parties have to come to an agreeable amount right? Seems right, right. Second- If the party not at fault is not happy with the agreed amount and decided to go through insurance instead, but the damage exceeds the value of the victims car, is the responsible parties insurance going to pay out the amount of the damage done, I got 4 estimates or it the insurance going to pay only the value of the car and salvage my title? Second, can the responsible party pay out the amount that is agreed upon and then expect to get the victims (my) car in return? Or is his considered extortion? Cause there is no f-in way I the person who is not responsible for the accident can find a reliable car for 1500 bucks, but could part out, or retire my car, sell my car and get more plus the 1500 she agreed upon. I am afraid that if insurance is involved they are going to total my car out thus costy me hundreds more, then it will be worth nothing and I would not be able to retire it and get money from that or even sell it. Lastly, this person has no right to ask me for my car right, she caused the accident and is responsible for paying for that damage that she cause one way or another. Please help me figure this out.


Question about Geico car insurance?

hey so I just got geico insurance today. I was recently with different company but my monthly payments never went down. So I decided to switch to Geico and was able to get full coverage half the price of what I was paying before. On the package that I selected with Geico it said towing was free. Well after I called Geico this morning I went to get lunch and on the way home my car stopped working. Could I call Geico and get them to tow the car to my home even though I just got my insurance with them today? Thanks.

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes

How much will a mg zr 1.4 be to insure?

im 17 and i know it want come over 4000 a year


Can I cancel my insurance through my employer anytime and apply for insurance through the Marketplace?

I think I can get a better deal through the Marketplace Exchange; can I cancel insurance through my employer anytime or would i have to wait until open enrollment?


How do I report my health insurance on my taxes, if all income received is a gift?

Update: The gift amount did not go over $14,000.


Do I need UMBI, UMPD, or Med Pays on my auto insurance policy?

UMPD, UMBI, and Medical Payments are optional coverages on my insurance policy. Are they nessicary? Should I be concerned if my agent doesn’t give me those coverages?

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


How does car insurance work? my mom recently wrecked our car-it cost 2000. we have 25000/500 deductible.?

what part do we pay


Is it worth getting insurance?

Is it worth getting insurance on my KTM Duke 125? I’m 16 years old and just a beginner and I don’t know whether I should get the insurance. The only thing I’m scared of is that someone will steal my bike. I live in Europe.


Does anyone know an insurance company that offers cheap/free SR-22’s for license ?

need it to keep my lic. valid. ASAP… help please!


Teenage insurance?

Id there any way how you can avoid paying for teen insurance? (Because the family insurer usually raises price as soon as the teen in the family gets license) If not, how to get cheap insurance?


2004 Mazda rx8 monthly insurance price?

Im 39 years old and haven’t had a wreck nor got a ticket since 1982, I have perfect credit. I was wondering about how much it would cost every month for a 2004 Mazda rx8 with geico, or an estimate for another company.


I need health insurance and live in Southern CA- what is GREAT insurance? Aetna, Blue Cross, Kaiser, other?

I’m OK paying $200-250 a month. I just want to make sure I have access to great care without a big runaround. I think PPO sounds good b/c I’ve heard HMO’s can jerk you around sometimes. I’m very athletic so I want to know that I can see a specialist right away if necessary. Any help would be greatly appreciated!


Is purchasing a small amount of whole life insurance ever a good idea?

I am a single woman in my mid-30s and unfortunately have not been able to save much for retirement. My 401k from a previous job has been all but decimated in the last year, and I am not eligible yet to join my new company’s plan. I sought to open a Roth IRA, but the financial adviser my credit union recommended me to is actually an insurance salesman. He wants to sell me a whole life insurance policy with a $169k death benefit that would cost me $100 per month. I keep reading that whole life insurance is typically a bad investment unless you plan to keep the policy for more than 20 years. If I sign up for the policy, I would do so with the intention of keeping it as a long-term investment. The term insurance I have through work would only pay my beneficiary $35k, and I would prefer that my mortgage and other potential bills not be left for someone else to take care of if I got hit by a car and killed tomorrow. The projected rate of return over 30+ years looks good, but I do realize the guaranteed rate is the only, well, guarantee. And I understand my premium will stay the same unless I opt to buy more insurance. But everything I am reading from financial experts (Suze Orman, for instance) says it is better to buy term insurance and invest the difference. Is this a blanket guideline?Can a small whole life insurance policy ever be a good idea in combination with other investment strategies? I am so confused.


Life insurance payouts?

Is there any set of circumstances under which a military life insurance policy won’t pay out after having said policy for a little over two years?


Do I need UMBI, UMPD, or Med Pays on my auto insurance policy?

UMPD, UMBI, and Medical Payments are optional coverages on my insurance policy. Are they nessicary? Should I be concerned if my agent doesn’t give me those coverages?

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


Could a part time employee afford to pay for car insurance on his own ?

Here’s a sinario for you, I’m 17 with my g2. I took drivers Ed and defenseless driving courses. I own a car that is a mazda 3 2008 hatchback. I park my car in my driveway, it has an alarm system. i have a part time job that pays approx 1,000$ a month. Could I afford the car and insurance? Should I buy another sort of car ? Please help with full out detail on what I should do with this sinario


Car accident with no insurance. collection agency wants me to pay?

Car accident w/no insurance, now credit collection agency wants me to pay? About a month ago I got into a car accident. I was at fault and didn’t have insurance at the time (yes, I know bad idea). There were 3 cars involved in total, the other two cars were not that damaged, my car was completely totaled. I got a letter from the collection agency saying that i owe them a over $14,000 and warned me that they may take legal actions if i don’t pay. I can’t pay that amount of money, I’m a 19 year old college student and I make $9,000/year in my part time job. I called them this morning, and they were willing to bring it down to $11,00 if I made that a one-time payment. Which definitely isn’t helpful, I don’t even make that much in a year. What are options? I really don’t know what to do 🙁 know I have to pay eventually, but $14,000 is a ridiculous amount of money. Can they garnish my wages? Will they send me to court?


Why is my insurance £1000 more to park car over night at nicer area.?

i will try again.. i stay at my girlfriends house most nights of the week. but technically ‘live’ with my parents. To insure my car at my girlfriends house is £1400. To insure it at my parents but it be kept over night at my girlfriends house (where i do actually stay) is £2500. why is there a £1000 difference when the car is still being kept at the same address over night. (both 3 miles apart)


Health insurance?

I am current paying for health insurance for cover cali program but the thing is i cant afford it anymore i been paying it but I cant pay my other bills i have to pay and I don’t qualify for medical is there anything i can do to get medical i make about 1700$/mo that i keep and from that i only stay with 130 free for me which goes for car gas the rest goes into bills


Health Insurance for 18 going to 19 year old?

My boyfriend is currently 18 years old. In January he will turn 19. He has no health insurance.We live in Texas. He’s currently working/has his own income but still lives in his grandma’s home. He started working making roughly about 250-300 every week, this has however only been for half the year before he was only making minimum wage. Should he get insurance from where he works? Or can he qualify for Medicaid or something of that sort? How does insurance work when you move out also?? Who qualifies for Medicaid? How? We’re honestly clueless about all this, and no one has given us information. I’ve tried doing online research but it’s all confusing.. I was hoping someone would help me out. Anything will help. Thank you.


What was your first car?

What was your first car?


Insurance and rental cars.?

If you are involved in an accident and it was not your fault, who is responsible for the insurance on the rental car? If your own auto insurance does not transfer to a rental and the rental car place is requiring you to pay out of pocket for the insurance, is it your responsibility to pay this or the person who was at faults responsibility to pay this?


Someone broke in to our house today and just wanted to know if house insurance covers for the items stolen?

I got home from work and I saw the door open from my house and when I walked in the rear slide door was open too. Someone broke into my house and stole what I think would be common stuff like 2 tv, 3 of my dre beats, my shotgun, about 15 hats, 2 tablets, 1 laptop, jewelry, playstation 4, and more stuff. I called the cops and I’ve been waiting for 4 hours for them to show up. I called them again and they said that they will come when they have time because they have other emergencys. Would house insurance cover what has been stolen? I believe my parents have either State Farm or farmers.

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


How do you become an agent with Mercury Insurance?

I’m in Los Angeles and I have my licenses to work in insurance but don’t know how to work for Mercury Insurance.


Is it possible to have health insurance coverage in 2 different states?

For instance if you go to school in one state but live in another is it can you have health insurance coverage for both states? It seems like it would be more convenient if I suffered an injury and could be treated in one state or the other at the time.


I am a resident of California and a permit driver. Do i need to be insured or my parents’ insurance will cover

me? will their insurance cover me in case of an accident or not? simply, while a permit bearer, do i still need to have an insurance?


What is the biggest insurance company in the world?

What is the biggest insurance company in the world?



BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes

Buying life insurance for unemployed adult son?

I have a 24 year old unemployed son who works only temp jobs when they are available. I’d like to make sure he’s covered if anything happens to him – what’s the best route to take? I live in California, he lives in Ohio. Can I add him onto my job’s insurance policy, or will I have to purchase it some other kind of way?


Do I need UMBI, UMPD, or Med Pays on my auto insurance policy?

UMPD, UMBI, and Medical Payments are optional coverages on my insurance policy. Are they nessicary? Should I be concerned if my agent doesn’t give me those coverages?


Why is the greedy Walmart corporation getting in on the insurance business or any other stuff they have no business being in?

I feel like this is what you’d expect from the greedy right wing corporations. Before we know it Walmart will be trying to get in on the real estate business, and hell, probably the dentistry business and healthcare. But heck, maybe eventually that company will collapse and they won’t be destroying other businessness anymore.


What to expect when the insurance underwriter inspects your home?

After 28 years in my home, I got a notice that the insurance company is sending someone out to photograph, measure and report back on my house. What should I expect? If they come up with a punch list of things to repair, can you dispute any of it?

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


As far as compensation is concerned, what’s the best car insurance company there is (within USA) ?

In his response, notaclue” (below) still did not address the question as to which insurance company offers the best compensation package. Regardless of the accident I had described


Do I need to use an insurance broker to buy business insurance?

I run a small independent shop, and require business insurance. Does anyone offer this direct like household and motor, or do I have to use a specialist broker?


What will happen to our car insurance rate?

16 yr old son got his license. Wife and I have 2 fairly nice cars. Full coverage. When we added my son our rate doubled, more than doubled actually. His grandmother is giving him a car this week. Not worthy of full coverage. How should we handle the insurance. Can we list him as primary driver on that car and do liability only? Will that make the rate go down or will it go up even more?


Auto Insurance coverage — How much Liability and Medical?

I got a couple of questions about about auto insurance coverage. Namely, what’s the best amount of liability and medical coverage to select. 1) For the liability, I know it’s wise to get the best liability that one can afford to cover your assets. But how about if one also gets umbrella coverage. For example, if one gets an umbrella coverage at a $2 million limit and the liability limit for the auto insuarance is $300,000 or $500,000, does it make sense to select the $500,000 or is it better to select the $300,000 limit since the umbrella coverage would kick in? 2) for medical, is this redundant coverage and not needed because wouldn’t the liability portion also cover medical expenses? Or is it wise to get this, for example, if a passenger is not insured (no health insurance), so the medical part would help out in that case? Thanks.


How much is insurance on a jeep wrangler for a male beginning driver?

Is anyone a male driver around 16 who drives a jeep wrangler and knows how much on average the insurance will be?


Citation for no proof of insurance?

I got a ticket for no proof of insurance and passengers not wearing seat belts about a month ago is there a way to fight it. Also the cost for no proof of insurance is like $930 is that right because i’m not really sure if my parents had insurance at that point because they were transitioning from one insurance to another. It was in northern California if that helps.


Auto insurance search ?

Is there a way or system to find out if someone has auto insurance ? (Geico,Progressive, Allstate,State Farm, etc ) a website, a phone number. Please anyone help if you can. Thanks


Can someone argue this statement for me ?

ObamaCare’s goal is to provide affordable health insurance for all US citizens and to reduce the growth in health care spending.


How much does malpractice insurance cost?

How much does malpractice insurance cost for a dental hygienist?

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


Car Insurance HELP~!?

I had car accident, this is my time is my fault. I accident hit the front vehicle when I release my brake while both vehicle stop that time. I can’t tell there were any damage from the other car, since that car bumper is not from factory and already had a lot of scuff and scratch. My car only visible damage is the license frame which has scuff. I wanted to just paid the damage, but i worry he might over claim it. Can I paid him a small amount of money and had him sign agreement not file insurance and make not liable any further claim. Do his vehicle must fix, or can I just paid him.


Do I need UMBI, UMPD, or Med Pays on my auto insurance policy?

UMPD, UMBI, and Medical Payments are optional coverages on my insurance policy. Are they nessicary? Should I be concerned if my agent doesn’t give me those coverages?


What’s the car insurance requirements in GA?

I need to know what is required and is not required and what falls under full coverage and liability in the state of GA.


Insurance after admitting responsibility car crash?

i have admitted responsibility at the scene when i crashed my car into someone elses. i have since found out that it will make my insurance go up horrendously. yikes!! how much is my insurance likely to go up? im worried


If you have uninsured motorist insurance are in an ..accident and its you fault other driver has no insurance or drivers license can you get?

If you have uninsured motorist insurance are in an ..accident and its you fault other driver has no insurance or drivers license can you get?


How much will insurance cost after getting a DUI?

Not everyone can be perfect like you KIZZLE”. Some people actually make mistakes! Imagine that.”


Life Insurance?

This is kind of a morbid question to ask, but just wondering if there are any life insurances that pay out incase of death by surgery. I’m having a big surgery, I don’t have a lot and incase something happens I’d like to leave my family with something to take care of whatever may come up after.


cheap insurance for students