#but generally speaking i keep my phones for longer than 2 or 2.5 years

[ericvick]

Mortgage veteran Roger Strecker on persevering via the pandemic

Editor’s Be aware: This is the ninth installment in the “Industry Warriors” series, a collection of profiles on veteran real estate pros and lenders who developed substantial volumes pre-9/11 and pre-2008, weathered individuals economic downturns and rebounded even more powerful.

In more than 25 a long time in the mortgage sector, Roger Strecker has been no stranger to agility. He’s maneuvered the wave of bank consolidations and closings through his occupation.

“A the vast majority of my career, I went from just one bank to a further as they had been absorbed or consolidated,” said Strecker, now regional manager, field mortgage functions for Navy Federal Credit score Union. “I worked 15 several years with Washington Mutual, left WaMu, went to a massive unbiased (bank) and then all of a unexpected, WaMu goes less than. The unbiased I went in excess of to, CTX Economical, they went beneath. I looked for the up coming major umbrella I could come across at Wachovia. I assumed, ‘I’m good to go this is Wachovia.’ Taken over by Wells Fargo.”

Strecker’s journey also incorporated operating at MetLife, Funds A single and PNC Bank just before he ended up at Navy Federal. Now six yrs into his position at the credit history union, Strecker’s location of Washington, D.C., Maryland and Virginia usually does about $2 billion to $2.5 billion in buy first-mortgage originations on a yearly basis, he mentioned.

HousingWire spoke to Strecker about the worth of agility in navigating today’s lending market place.

This job interview has been edited for size and clarity.

HousingWire: What are you carrying out in your lending enterprise to adapt to the present-day current market problem?

Roger Strecker: Our users are the mission, so for us, no issue what the lending ecosystem is, we are looking for techniques to be obtainable for them and to achieve them. We went from having it’s possible 10% of our workforce of just about 20,000 staff in a remote ability, and right away our ISD technology group carried out a miracle and place the 90% of us out, able to get the job done with laptops, phones, displays, MiFis. So just to get that established up for us to be readily available for the members was moving mountains.

Since all of this has gone down, we have appeared at retooling our workflow, and how do we optimize our availability for our members. For instance, we have 9 million users who are global in mother nature. They all know our telephone amount, our website address, and exactly where the branch is, so we have to be obtainable for them, and we at this time are operating by way of these dynamics now.

I was at the department past 7 days. One particular of them does not have a drive-through. They are physically assembly members deal with to confront, either with a mask or without the need of, but people employees are accomplishing that assistance for the associates, no matter of their individual individual health dangers.

HW: Has there been any alter that you’ve experienced to make to any of the procedures, in conditions of lending or applications?

RS: All the things, with all of us becoming remote or remotely situated now, just from getting in contact with our members. Not just about every employee is employed to remaining a distant staff. Not every staff has the equipment to be a remote staff. Not everyone would like to be a distant employee and operates in that ecosystem definitely effectively.

So we’re concentrating on employee engagement, member engagement. Really, in all of those people capacities, our get hold of centre is focused on 24/7 availability, accountability for our customers. They’re an vital section of the operation. Our department people are possibly doing the job the drive-through or executing drive-up company, handling files in and out of car or truck home windows with gloves and masks.

From a mortgage-specific adjust, it’s seriously acquiring our workers the accessibility to the users and letting them know we are offered and we’re in this article for you.

We are targeted on assembly the customers wherever they need to have us to, whether or not they’re calling into the center, no matter whether they want to go to the department — we’re attempting to continue to be open up and readily available. Our loan officers are not in the branch any for a longer time, but if they are desired by a member who comes into the branch, it is redirected to us.

We deal with all the web-site inquiries and purposes as normal, which is instantly filtered to our loan officers. We are also working with our associates, no matter whether they are Realtors, Navy Federal title expert services on the closing side, whether it’s our servicing group, we are building absolutely sure that the funding and the servicing are all taken care of seamlessly for the users.

From an staff standpoint, we’re often quite engaged. For me and my group, we have huddles, we communicate on the telephone, we’re on IM. We have each individual other’s personal mobile telephones anyway. Then we’re just seeking to be as comprehension as achievable with our staff members from a operate circumstance. All of a sudden the educational institutions have closed. A lot of of our workers have young young children so we’re getting proactive with functioning with them on a schedule, and we’re just becoming flexible with the membership and our workforce.

HW: How are you encouraging your team to stay good for the duration of this time?

RS: That is probably paramount for where by we are in the business correct now. For me, I consider being entirely clear with your staff members is selection a single. I adore to be open and truthful about what we’re doing the job on, what the firm is working on, how we’re going to tackle the members’ desires. And often I never have all the responses, and I enable them know that.

This environment is unparalleled, and in some cases you might have to fly a little bit by the seat of your trousers on occasion. I do not intellect sharing that with them. I feel also listening to their feed-back is critical. My workforce is aware that no matter is off the desk and that any strategy that would assistance us to improved serve the users is up for thought.

For me, I feel I have to product positive conduct, which is genuinely easy for me simply because I’m a glass-is-fifty percent-complete kind of individual. I feel for individuals who which is really not how they’re built, they have to have to come across their reason why they have to have to be upbeat and constructive for their men and women, specifically in this remote setting. Dealing with workers is a person factor working with workers that are now remote is a full diverse ball of wax. It is an supplemental skillset that you have to have or get the job done on creating.

HW: How are you staying favourable?

RS: I check out myself at the doorway every morning. I’m just designed this way. I really like existence. I appreciate what we do in mortgage. Simply because the place do you have an possibility like this to make these types of a massive impact on a member’s lifestyle? It is one thing I remind my crew about as generally as attainable. For me, for my group, I bring the pleasurable and maybe a minor radical habits, because I feel laughter is the drugs that we all require. It’s a excellent worry reducer.

(I do that) usually on the phone due to the fact I assume it’s faster and easier to join with people today. They can listen to my voice. They can hear the inflection. They can listen to when I’m backpedaling, or I’m laughing or whatever it is, but I also check out and give them tiny mind teasers and just trying to keep them engaged on IM.

I’m constantly partaking them in diverse means mainly because not everybody’s insane about the mobile phone, but they could enjoy e-mail, or they might like IM. Primarily our young people today, they like to text so I’ll place some textual content in there. I’m not worried to make pleasurable of myself, just to get them to just have a instant where by they are not apprehensive about what is heading on in their individual life or the life of our members.

HW: What did you do in previous economic shocks to effectively navigate the downturns?

RS: I attempted to just continue being positive. I tried to see the upside. I’m ordinarily quite real looking and trustworthy with myself and in dealing with many others, and I held telling myself: You can only regulate what you can command, but I can however make a large effect in an individual else’s life. So whether or not I was emailing an individual, a comply with up to a conversation about a attainable buy or refi, no matter if I was speaking with a Real estate agent, I’d say, ‘Hey, I’m continue to here. Hope you are performing properly. How’s small business?’

Back again in ’07, ’08, you just never ever realized sometimes protection showed up and they just shut your place down, or they just advised you, ‘Today is around,’ and they just moved good friends of mine proper out of the constructing. It was a crazy time.

You know, now I can study from history as I appear back. How can I carry out a little something today that’s good? I tried using to execute something just about every day. I think my advice to other folks would be never be scared to retool, how and what ever you are carrying out just about every working day. Re-search at your method stream for possibilities. Never be frightened to make blunders consider and try out yet again, take a look at it, then test it once again. And you have to collaborate with some others in like scenarios.

I have constantly been extremely related to the rest of the mortgage market, primarily in the DC location. I gained my CMPS (Accredited Mortgage Setting up Specialist) along the way I recently gained my CMB (Certified Mortgage Banker). So I depend on the CMB Society and other CMBs to form of retain me in check simply because that brain have faith in and what they have been by way of is amazing. I rely on the MBA (Mortgage Bankers Affiliation) a great deal, from a learning and training standpoint.

HW: What did you do in 2007-2009’s economic downturn to realize success for the duration of that time?

RS: In ’07, ’08, just about every put I went, they were being shutting the doorways. I truly considered it was me. The rubber actually achieved the road for me in ’07 and ’08 and which is when I genuinely experienced to variety of tighten the belt buckle down, keep on being optimistic and be real looking. I just experienced to maintain concentrating on, ‘There must be a way to do company.’ I went and requested other men and women who were being, in my intellect, productive and nonetheless earning it come about: ‘How are you doing that?’ I’m not scared to go and ask for assistance both. ‘Hey, can you show me that? Hey, the place did you get that merchandise from? Wherever did that loan occur from?’ But ‘07, ‘08 was rough. It was tough on a whole lot of us.

HW: Provided your background in individuals earlier economic downturns, what do you believe LOs need to know now that they may not be considering about?

RS: You nevertheless have an option now, even in this marketplace, to make a substantial effect in an individual else’s lifetime or their family’s life. You are included in the biggest financial determination a man or woman will ever make, and they require your experience. They have to have you to be engaged. They require you to keep centered.

I know it is difficult, but our users require that. Many of our members are energetic duty armed forces, so our intention of reducing their anxiety amount with our notice to detail, that is paramount for us. When you speak to a person whose husband just went down-variety, and she’s relocating the entire family, and I can hear the anxiety in her voice, and if we can make her get by the system of relocating a person much more time, you can appear home at the end of the working day and say, ‘You know what? I helped anyone today through some thing they by no means believed we could get as a result of collectively. But mainly because we are alongside one another, we got through it.’

HW: What piece of assistance from your history in downturns would you give to other people in your industry striving to navigate COVID-19?

RS: I would say you’re not alone. We’re all in this alongside one another due to the fact COVID-19 is not a fiscal disaster of ’07, ’08. It is a health and psychological disaster, which will drive a fiscal disaster. So we’re all in this jointly from a world wide point of view.

From a member point of view, I assume you need to husband or wife with a lender that you belief. Due to the fact there are likely to be some persons who applied to be mainstays for Realtors at the regional amount who do a amazing position that, in my viewpoint, could or may possibly not make it, based mostly on leverage and warehouse traces and items like that. So you want to make certain that your trusted husband or wife is likely to be in a position to fund your obtain deal.

From an staff standpoint, I would say you need to stay linked to your workforce. Give them the sounding board to be read. I feel it is significant to validate people’s thoughts, not generally to resolve the issue, just to pay attention. Which is most likely the most important detail, is to just pay attention to your personnel and just to know that background has shown us that we will get via this. We will be superior and stronger in the finish.

From a small business continuity standpoint, this is likely to be seemed at, I think, in my view, by means of MBA, graduate and PhD classes for several years to come — what we did correct, what we did improper, what we could have done again, how would we prep for a further probable pandemic. But in the stop, I believe items are heading to be ok. Just management what you can manage, which is you, your personal point of view, how you offer with your members, and just deliver your A-game every single day.

[dorcasrempel]

From delayed deceleration to Zooming

On Nov. 21, 2019, the sun had set just a couple of hours before on an unseasonably warm day, and Jacqueline Thomas PhD ’20 found herself sitting on the edge of her seat in a typical meeting room in the William J. Hughes Technical Center, part of the Federal Aviation Administration, in Atlantic City, New Jersey. Thomas, a graduate student in the Department of Aeronautics and Astronautics (AeroAstro) at MIT, focused intently in front of a small monitor, her eyes fixed on the black screen illuminated by a white outline of the U.S. East Coast and the small, neon green dot that showed the Boeing 777 commercial airplane, which had flown nearly nine hours from Frankfurt, Germany, and was just about to land at Atlantic City International Airport. The last three minutes of this flight were crucial, and it was exactly the moment Thomas had been waiting for.

Accompanied by her advisor, R. John Hansman, professor of aeronautics and director of the MIT International Center for Air Transportation, Thomas felt her heart pounding as she monitored the data the plane generated as it landed in real time, which she checked simultaneously against her predicted outcomes based on her computational model. These final moments of this particular aircraft’s journey would determine if the model that formed a significant portion of her graduate thesis worked in the real world. And it did.

“We waited all day for these final three minutes, and as we watched the plane land through the monitor, my advisor John kept asking if the plane was doing what I expected it to, and it was! Even though I predicted it, it was still surprising,” says Thomas. “I knew the science was sound, I knew the math was sound, but even when everything is going as planned and you are actually seeing it happening with your own eyes, it’s still surreal.”

Just a few short months earlier, Thomas proposed her idea for a “delayed deceleration approach” to Boeing under their ecoDemonstrator (ecoD) program. Essentially, the Boeing ecoD acts as a “bench-to-bedside” innovation accelerator, inviting researchers to pitch novel concepts to improve aviation safety and efficiency that solve real-world challenges for aviation and the environment, where they are tested in real aircraft to demonstrate feasibility. Thomas’ proposal outlined a new flight procedure for pilots to follow while landing that improves aircraft performance around two major challenges the airline is currently facing: carbon emissions and noise pollution.

According to a report released in October 2019 by the Environmental Protection Agency, air travel currently accounts for nearly 2.5 percent of global carbon dioxide emissions, and it is increasing at a much faster rate than initially anticipated. In addition to the negative environmental impact, the increase in the number of commercial flights has increased the number of noise complaints from citizens who live along flight trajectories beyond the jurisdiction of noise regulations, which are typically localized to the areas immediately surrounding airports. The pressure is on for airline companies to work quickly to address these issues, and Thomas proposed a concept that decreased the noise and emissions of existing aircraft without having to modify the aircraft itself, which could be a cost-effective way for airlines to mitigate these issues.

“As soon as a plane is built, it’s hard to change its function. It will generate noise no matter what state it’s in,” says Thomas. “I chose to approach the problem like an integrated system — if you can change the input, you can change the output. In other words, if you can’t change the aircraft itself (the function), you can change how it’s flown (the inputs).”

Using this idea, Thomas built a computational framework to analyze aircraft noise and measure the impact of making changes to the operational flight procedure. For her analysis, the inputs included how all of the aircraft components move and interact to generate noise, as well as flight performance data, which accounts for how the aircraft generates noise at different points as it moves through its environment, such as when it accelerates or slows down. The output from this framework was a full-scope overflight noise model, which was then analyzed against community data to paint a clear picture of how making tweaks to the inputs would impact the noise pollution in surrounding communities.

“What resulted from this framework was my concept for the delayed deceleration approach, a new flight procedure where the aircraft remains cleanly configured for as long as possible during approach, meaning the flaps, slats, and landing gear remain upright for as long as possible,” says Thomas. “When the aircraft has a clean configuration, it is more aerodynamic, creating less drag and allowing it to maintain engines at a lower power setting for longer duration in the flight. As a result, the plane burns less fuel, decreasing carbon emissions, and generates less noise for the community on the ground.”

Under the ecoD program, Thomas handed her procedure over to Boeing engineers in Seattle, Washington, who communicated it to the crew throughout the flight via a chat feed that Thomas and Hansman could see on the monitor, along with the plane’s location. Immediately following the landing, the all-women flight crew joined Thomas, Hansman, and the group of Boeing engineers and administrators from the ecoD program for a debrief.

“The pilots reported they felt very comfortable with the procedure, and didn’t experience any flyability issues. When the models say that it works and has all of these benefits, and the pilots say ‘yes, we can fly this,’ and a commercial plane actually flies the procedure and matches the predictions from the models, then it really shows that we can do this, and we should because it’s a win-win for everyone,” says Thomas. “My goal for the future is to make this a standard flight procedure, which means I need to keep working on refining this process so we can scale it up in a way that makes sense to implement in real airlines operating today.”

After nearly six years and countless hours spent at the computer in the lab, this was an extraordinary opportunity for a graduate student; it can take years to put together a flight test, and thanks to the Boeing ecoD program, this test came together in a matter of a few months. It was the perfect way to begin winding down her final year at MIT.

With the excitement of the ecoDemonstrator behind her, Thomas set her sights on preparing for one of the biggest milestones in a graduate student’s career: the thesis defense. Typically, this rite of passage is a celebratory one that comes after months of coordinating busy thesis committee schedules and practicing presentations backward and forward. Thomas was also in the process of job hunting, interviewing for academic positions in between putting the finishing touches on her thesis presentation. And then the coronavirus hit. As the pandemic and MIT’s response to it rapidly unfolded, campus closures, travel restrictions, and stay-at-home orders snapped the public health crisis into focus. Everything became a scramble as Thomas watched months of planning go out the window, and she knew she would have to improvise quickly.

“I had to move my defense online, and my internet at home is really sketchy, so I was terrified,” says Thomas. “It was weird not worrying about the typical things you would normally worry about before a thesis defense, like wondering if my presentation was good enough. I was more nervous about needing to defend my thesis by holding my phone up to my face.”

Thomas submitted a formal request to MIT to use one of the few classrooms that remained open on campus by appointment only to defend her thesis. Instead of defending her thesis to a room full of people, she was in an empty room on a Zoom call, where she could only see five attendees at any given time. When she finished her presentation and answered all of the questions from her thesis committee, she was asked to log off of the Zoom call, where she sat in silence in the cavernous room, alone. Five minutes later, she received a congratulatory phone call, and just like that, she was a doctor.

“It was bizarre. Normally you are with other people to talk to and celebrate with, but I was just in a room by myself, and there was no one else at MIT,” says Thomas. “One of the cool things about holding my defense virtually was that my friend in Japan logged in to watch, even though it was 2 a.m. his time. But my fiancé, who is also studying aerospace as a grad student at Georgia Tech, wanted to come be with me for my defense, but we decided together that with the safety measures asking visitors from out-of-state to self-quarantine, it just wasn’t possible.”

Thomas, like many graduate students, lived in an off-campus apartment with a roommate, a postdoc at a neighboring university, who had only recently moved in. Since graduate students and postdocs spend so much time on campus, this is a typical living arrangement. Many graduate students attend school far from home, so the stay-at-home order can be particularly isolating, especially when you are living with a near-perfect stranger without work to focus on.

Since turning in her thesis, Thomas kept busy with early-morning runs around the Charles River, refreshing her Japanese and Spanish-speaking vocabulary, catching up on TV shows she’d fallen behind on while dealing with the demands of graduate school, and trying to maintain glimmers of normalcy, such as attending regular church services (albeit virtually). While exciting career opportunities are on the horizon, many other personal plans, like her wedding date, are at a standstill as we remain in the grip of uncertainty at the mercy of a global pandemic.

“It feels like I’m in a limbo state, because my work is pretty much done and I’m just waiting for the next chapter to start, which feels like it’s taking longer than usual because so much of it is spent alone,” says Thomas.

For Thomas, one of the more difficult aspects she is grappling with is the abrupt ending of her time at MIT. As a first-generation college student, Thomas’ family had set aside money for the major expense of traveling to experience MIT Commencement with her, and it was tough to watch her families’ travel plans, and the hard-earned money put toward them, evaporate.

“Grad school is hard, but looking back, you realize how much you grew throughout the experience, and I wanted to tip my hat to MIT when I left,” says Thomas. “This is my sixth year here, and it’s a long time to be involved at a place and then suddenly, it leaves you within three days. I think the hardest thing for me has been this lack of closure. It’s like a severed connection.”

Thomas is hopeful for the future. She will become a member of the faculty at her alma mater, the University of California at Irvine, where she will teach and continue her work on aircraft noise mitigation and pursue exciting new directions studying electric aircraft. She also hopes for future events that could bring the Class of 2020 back on campus to say a proper goodbye — once it is safe to do so.

From delayed deceleration to Zooming syndicated from https://osmowaterfilters.blogspot.com/

[sizzlingcrusadebouquetfan-blog]

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I just got a new car a few months ago and was paying $325 a MONTH for my insurance. Way too expensive. I want to cancel and go to another company (nationwide or all-state) where I was quoted $195 a month. I dont have the money to pay the current insurance $325 for the month, then cancel it (which adds another $90 or so for cancellation fee), and THEN open a new policy with another company for $195. Thats $615 just to switch insurance companies! So, I let my current insurance lapse and it was cancelled as of last night for non-payment. Now, can I open up the new insurance with another company today, then pay off the old insurance in a couple weeks?""

Should a 22 year old buy life insurance?

Okay, my friend who is 22 years old has a dead end job does not have a family of his own and is still attending college was asking me if he should buy life insurance, I think he shouldn't but what those everyone else think. Let me know""

Cheapest insurers for a first time 18yrold with pass plus??

Hi iv'e just brought a 2002 vw polo and wanted to get my first insurance on it. Can you recommend any cheap insurers for first time drivers and young drivers. I've completed my pass plus as well. Thanks for the help xxx

Best individual insurance health plans???

I'm 19, I'm healthy, healthy weight, all that. I want a basic cheap health insurance plan that covers regular check ups and vision would be nice too, but thats not necessary. Anybody have any suggestions???""

Where to get cheap cars in the UK?

I'm talking 500 maximum spend here, just something that will have very cheap insurance.""

Car insurance please someone help me!?

I need to get a drivers abstract for this job I'm applying for....I have a speeding ticket which took 3 demerit points, but I'm pretty sure my insurance company hasn't found out....this was about a year and abit ago and my insurance company told me when renewing my insurance that its clean......if I get this drivers abstract will they find out and want to charge me more? And do companies really care about a speeding ticket 16km/h over?""

2 Door Cars vs 4 Door Cars cost of Insurance?

I am interested in going from my 4 Door Acura TSX to a 350z or G35 Coupe, 2 door cars. I was wondering what the difference in prices would be for me, I am 19, no accidents, no tickets, clean record. As of now my parents have me on their insurance which I am sure makes it much cheaper, so what would the average cost of switching be if I was on my parents insurance or I was to take up my own. Please let me know, Thanks! :)""

350z insurance how much would it cost?

how much would it cost in Canada Ontario the car is a 350z coupe 90k Miles 2005 my age is 18

Can someone take out a life insurance policy on a mentally retarded person who didn't know what he was signing

This person was mentally retarded (52) and died of brain cancer. HIs brother (an attorney) took out an insurance policy for the 52 year old. The 52 year old did not really know what he was signing. The amount of the policy is unknown. Is this insurance fraud?

How much do you guys pay for Honda S2000 car insurance?

I got a quote for 490 for 6 months. Full coverage from state farm for a 04 Honda s2000. Is this good?

First time drivers auto insurance?

Ok so I'm 17 and I'm a first time driver can you please name some of the cheapest insurance for me. The most a 100/ month thanks I live in California

Insurance for a 17 year old male?!?

Ill be turning 17 soon and ill be taking driving lessons. Ive been looking at car insurance for a 1.2 renault clio ( cheapest quote 5000) 1.1 citroen saxo(couldnt get a quote but when i did 14,000. Whats the best ways to get it cheaper. I also tried a 1.1 peugot 206 and still its around 7000. Thats for 3rd party fire and theft.""

What would have if you just stopped pay your car insurance?

What would have if you just stopped pay your car insurance? I am just curious.

Why do hundreds of thousands die every year WITH health insurance?

Should we ban it? Isn't this the same argument as Dems use when they say 45,000 die with no health insurance? It's not because. In fact, there was a study done. Here are the results: The possibility that no one risks death by going without health insurance may be startling, but some research supports it. Richard Kronick of the University of California at San Diegos Department of Family and Preventive Medicine, an adviser to the Clinton administration, recently published the results of what may be the largest and most comprehensive analysis yet done of the effect of insurance on mortality. He used a sample of more than 600,000, and controlled not only for the standard factors, but for how long the subjects went without insurance, whether their disease was particularly amenable to early intervention, and even whether they lived in a mobile home. In test after test, he found no significantly elevated risk of death among the uninsured. See that? No elevated risk of death among the uninsured? Do some of you get that you're being played yet? I'd love to see reform, but should we concentrate on the common sense Republican solutions to bring down costs?""

Is car insurance higher for red cars?

I already know car insurance is going to be SKY HIGH for me since I'm eighteen and I've had my license for only about 2 years (Even though I've never been in a single car accident or recieved any kind of ticket *knock on wood* =]) But I just wanted to know if it is higher for red cars than other colors

Car insurance not at fault?

I recieved a letter from my auto insurance who finished their investigation regarding my claim (minor accident @parking lot of a store with another vehicle) and according to them I am 0% at fault. The other party's auto insurance is still conducting their investigation. If the other party finds me at fault then what happens next? The reason why I ask is I got laid off my job in February & I do not have the funds to pay and it's been hard to find a job that pays a decent rate to help me live here in northern California. Your assistance greatly appreciated. Thank you.

""Who has taken the Florida 2-15 Life, Health, Ann, Insurance exam... How is this exam?

I would like to know is this a very difficult exam? Do this exam requires mathematics? Is this exam 100% Multiple choice? I know that the Real Estate exam for me was a little difficult so I am hoping that this would be a little easier.... Please tell what ever you know about this test... Thanks I appreciate it...

""I want to get insurance for 10 acres of vacant land in Scottsdale, Arizona. Where can I get a quote?""

I want to get insurance for 10 acres of vacant land in Scottsdale, Arizona. Where can I get a quote?""

How much money will you be saving by going to driver's ed?

I'm 16 and have my learner's permit in CT and I've heard that by going to driver's you save a bunch of money on your car insurance...I know that its ture but how much money can you really save?

minnesota insurance matching laws

minnesota insurance matching laws

What insurance companys will insure you at the age of 17?

what insurance companys will insure people at the age of 17

When will we be required to have health insurance?

When will government make us buy insurance?

Can you recommend me a good health insurance?

I missed out on signing up for healthy insurance where I work and I'm becoming worried that I might have to go see the doctor soon. So I'd like to get a good quality ...show more

Insurance cost...v6 vs v8?

Does it make difference? Is the insurance going to be higher?

How much is auto insurance for a simple car?PLEASE HELP?

a 2000 honda prelude,basic need to school,work,home,and full cover?if you know please givr me a estimate amount,thanks ps im 16

Business Insurance Quote?

Can anyone give me an idea of what insurance I may have? Im doing a b-plan, and insurance companies wont give me a quote yet. heres my info: Beverage Company, we buy our beverage from 3rd party manufacture. First year revenue: 1,000,000 Employees: 4 (1 owner) Annual Wages w/owner: $150k w/o owner: $120k 1 company owned van for local distribution and marketing driven by employee and owner Renting a 2500 sq. ft office space, we will have about $30k of product and $10k office equipment Southern California, I need the general liability, commercial, workers comp, umbrella, and anything else i may need? A good enough number for me to throw down in my general number-running in trying to figure how much money I need to assmble would be so helpful! Thank you!""

""Open container citation, will my insurance go up?""

i got cited for an open container while parked in my car, im 18, and im in california, and my insurance is all state, how much will it go up??and how much will i be fined for an open container?""

Is it legal in CA for a used car dealer to sell you auto insurance?

i purchased a used car, and the used car dealer put in the contract that I was also purchasing auto insurance thru them...but i wuld get a refund of those premiums when I provided a copy of my own insurance. I never signed any other ionsurance forms with them. i did buy my own insurance later. But, is it legal for the used car delaer to sell me insurance?""

Do you have to prove you have a job to buy car insurance?

do you need to show check stubs or anything to get car insurance

For a 21 year old what is the cheapest car insurance company in ottawa ontario?

I am 21 years old male and a first time driver, have never been insured, and have my G2. I am looking for the cheapest quote""

Car insurance question?

My car was in an accident (not my fault, I wasn't in it and the time) when someone plowed into the back. All signs are indicating it's totaled. She and I have no-fault insurance. Here is my questions. 1. Do I talk to the police and insurance company? 2. Do I get any money/compensation from the accident? 3. Do I go after her insurance and Do I get anything from that? 4. Or do I reach a compromise with both parties? If anybody has anymore suggestion feel free. Thanks!!!""

How to get affordable HIV Medication with not so good insurance coverage.?

Diagnosed about a month ago HIV+ with a VL 111,000 CD4 167, so yeah I've had it for a while. I'm supposed to start treatment ASAP! but I can't afford them, I've talked and negotiated with my doctor to change my prescription she did but it didn't help. The problem is I have insurance and it doesn't have good prescription coverage. I'm in a position that I may have to drop my insurance just to be able to afford my medication. My doctor and case worker is advising me not to do this, I don't have any other choice... someone HELLP my time is limited""

Average 600cc Sportbike Insurance in Canada?????

I am 21 and have Full G license for 5 years and M2 license for one year. Clean record and thinking of purchasing a brand new bike of 600cc for around $10000. What do you recken my insurance be approximetaly??????????? Thank You for your replies........

New teen driver insurance?

I just got my license about 2 hours ago. something just came up and I really need to drive somewhere. My parents have Statefarm insurance, but obviously haven't added me yet. Does statefarm have any type of temporary coverage? Can I leave now or do I have to wait until my parents can add me?""

How much will my car insurance be as a new driver?

I'm learning to drive as a necessity for a new job, but I am struggling to get a reliable estimate of the insurance premium I should expect once I have a car. I know that nobody will be able to give me a precise figure as it depends on so many variables, but I wondered if anyone would know what to put into a quote generator to get something accurate? I'm female, in the UK, 27 years old and will need a cheap and cheerful 5 door hatchback. Unfortunately I don't know enough about engine sizes and that sort of thing to know if I'm answering the questions on the form realistically. I tried compare the market and got a cheapest quote of 3,700 per annum - does this sound right? I know it will be expensive but even so that seems very high for a 1999 Vauxhall Corsa! (the car I used to get the quote). I do realise this is a very subjective question but any advice is greatly appreciated - at the moment it is looking like I won't be able to take up a dream job offer as all I will be doing is working to pay for a car that I oly got in order to take the job :(""

How much does it cost to insure a child care center?

I am enrolled in a college course called Administration of Early Childhood Programs. My final project is creating my own child care center (the project covers everything and is very detailed so we can use our materials if we actually do open up a center). Anyways, I am stuck on one part of my budget. I have been researching for hours and cannot find what my estimated cost of what liability insurance would cost me per year. Because this business does not actually exist I am having difficulties obtaining a quote from insurance companies. My center is licensed for 140 children at one time. If anyone has an estimated cost or a source that would give me an average cost per child or an insurance estimate calculator or anything like that would really help. Thanks!""

How to get a cheap car insurance for young driver?

I have a son who is a teenager. I have a car who I was sharing it with my son but now he bought his own car. He ask me to get a caheper insurance that he can affored but Ive been looking but all of them seem to be above what he is willing to pay, I could help him pay but even its not enough. It there any insurace that cover for cheap or what should I do?""

I need health insurance?

I am a 21 year old women, healthy.. And I am in need of health insurance that wont cost me an arm and a leg. Does anyone have any suggestions.. I looked online, and every site suggested that united health one.. Does anyone have,or has had this insurance. Thanks""

What are some cheap Home/Fire insurance offers for a house in Southern California?

ABSOLUTELY NO SPAM REPLIES PLEASE!!!

Insurance Quote?

My Step-dad and I are buying a 1.4 MG ZR between us. He is going to be the first driver and i will be the 2nd named driver. This will be my first car. My stepdad has driven for 12 years or more. Any rough ideas of a price for me? He has no pints on his license. thanks

Insurance&&Permitt???

Do you have to have insurance when you have your permitt. All i have is my permitt,and my grandma is worried about getting me insurance. Her insurance covers 65 and above. But my cousin didnt get insurance until she was 16 she thought that you didnt hafta have insurance until you got your license?""

How much would insurance cost for me?

I'm a 15 year old male living on Long Island, New York. In May I get my permit and I will be taking Drivers Ed and Defensive Drivers to help reduce insurance premiums. My dad is offering me his 2004 Ford Mustang Coupe V6 before he decides to trade it in for a new car. I would be owning the car, and with the two courses I was curious as to how much insurance may cost for me. Any info and tips would be appreciated, thanks in advance.""

Insurance For Car (New Teen Boy Driver)?

Whats the cheapest way to insure a car while still getting great coverage in case of accidents. I'm getting my license soon and I was wondering whats the cheapest choices for insurance. I heard I can be placed under my parent's account? I also heard that if i pay insurance under my own thing its like 2000... I live in california and i have great grades (if that helps).any insight would be appreciated :)

How much does one speeding ticket effect my car insurance?

I was going 14 over the speed limit

My mums with the AA car insurance what are the likely implications for canceling her insurance mid way?

my mum has paid annually (141 quid) lucky sod. and she is considering canceling it to add me to a cheaper car insurer as adding me on the AA insurance is MIND BLOWINGLY EXPENSIVE, (talking 5grand plus per annum) and with aviva its less than half that... but before she cancel she wants to make sure the AA have no hidden cost as all they state is a refund will be paid if insurance has been paid in full and a cancelation fee of 50 must be paid. thats all the information she could find but she wants to know if there are any hidden tricks insurers pull off if your try and cancel.... please help i know its a bit wordy.""

minnesota insurance matching laws

minnesota insurance matching laws

Where can u find health insurance for a family at a reasonable pricethat one can afford?

Where can u find health insurance for a family at a reasonable pricethat one can afford?

Should I sue my parents...?

When I was 4 years old I was in a car accident and my parents had a settlement with the drunk drivers insurance and recieved 100,000 dollars for me. At such a young age I didnt really know what was going on and they told me that it had to be put up till I was 18 and I couldnt have it. Well that money is no longer there and I am now 20. As I grew up they told me that it all just went to lawyer fees but obviously I am old enough now to know better. I found out from other family members that they just blew it. I am now married and have three month old baby and I could have used that money to help get a house for us or help with the financial problems that come with being a new parent or newlywed. Should I sue them to get what was mine to begin with and if so how do I go about it and what are the chances that I will win?""

How much is car insurance for a 21 year old female?

I'll be a first time driver as of next month and I was curious how much I'll be looking at as a ball park estimate on my insurance rates. I know I'm a late bloomer for driving but I have never needed it as I live in a city. But as I want to do and go more places, I need a car now. Especially since I'm moving out of state, on my own, in 6 months. I was wondering how much I'm going to be looking at. I'll be driving a small sedan, maybe a 04-05 Honda Accord or Civic. I live in Texas now but I'll be moving to Ohio, in February, and if anyone could give me rates for both places I'd be much obliged! Thank you so much for even answering my question :)""

What is the average price for insurance on teenage drivers?

If I want to insure my teenage driver on my car, how much do you think my insurance would go up? And how much would it cost to insure my teenagers own car? I've heard that insurance is normally lower for teenage girls. Is that true? Thanks""

Health insurance after you've turned 18?

My mother receives Social Security checks and insurance (She had cancer, and can't work due to other conditions brought on by the chemotherapy) and because of this, I had medicaid. I turned 18 last month and I'm wondering if I automatically get cut off from her insurance, or if I stay on the plan because I'll be a student in the fall. I know the system for this changed recently, so I have no idea if I still have insurance or not.""

Is there a way to see how much car insurance will cost before I buy a car?

I am looking for a starter car and currently think I might have found one. This summer when I come home from college I am planning on getting a summer job and my mom is allowing me to use her car. But I thought if I go a head and buy the car I found that I could save up my money from working to pay for insurance and gas. My only question is how much would my insurance payments be? I know you can get quotes online but can you get them for a car you do not have yet? If not, is there anyway to know?""

Best insurance for Japanese imported car?

I am thinking to buy Mazda Eunos 1992 Japanese import. As i am new driver I find it hard to find decent insurance which will cost me under 2000. Any suggestions? Maybe you know any good company in mind?

Which type of insurance do I have?

I have AvMed insurance through my job and I am filling out paperwork online right now and I am not sure which type to choose: Primary Secondary Supplementary Worker's Comp It says Open Access-Self Refer to Specialist at the top of my insurance card. Could someone help me out please?

Will my car Insurance rates up if my car was vandalized?

My car was vandalized and there was about $1100 in damage. I m paying the $500 deductable and my insurance is paying the rest. Will my rates go up?

Car Insurance?

I am a foreign student and I am about to drive a car!!!!! I am so excited, but there's a problem: Car insurance. I do not have any family in United States, so I have to get my own insurance. Thankfully, I am 18 years old, so it is possible. But however, I am going back to my home country in summer which means I don't need to drive. Is it possible to cancle the car insurance over the summer?""

Do you need insurance to drive?

Is it a legal obligation to have car insurance?

""Im looking or an affordable health insurance, please help?""

hello, I need to see a doctor as soon as possible but i don't have insurance. anyone know any good affordable health insurance. thank you in advance""

Is it true that if you buy a brand new car the car insurance will be much more than a second hand car?

Why?? I'm going to buy the very first car for me (a mazda 3 hatchpack 2006 or 2008..) and I want it to be new cause I can afford any price. But my dad keeps telling me not to buy a new car cause i won't be having good bennefits from it..such as the car insurance. It will be higher than a second hand car's...around 1000 euros every year. Also the car insurance must be full if it's a new car and I should have it on 1/3 cause its cheaper. So if it's a new car I can't have it on 1/3. What do you think I should do? I really want that car and that's why I want it to be new..cause it's the one I've always wanted!

What is the best car insurance for if you don't have own car?

I don't have car and I do rent a car frequently, Is there any insurance that I can take and that can be transferred to what ever car I rent for the day? what I mean is If I take any insurance for 6months or one year that should be applied to the what ever car I drive. any suggestions?""

How much will car insurance cost for me?

I'm getting a 2012 Camaro SS 6.2 liter V8 for my 16th Birthday! And wondering how much car insurance cost? I've got my Drivers Permit already..

How much do you think car insurance will be...?

I've been to sites with free quotes but they always give me like 4.7k dollars a year with like 300$ monthly payments but my friends say insurance for them is like 1800. I am 18 male and drive a 4 door 2001 sedan I just started driving how much do you think it will be?

What would the insurance quote for a Chevy silverado 1500 1995 be?

ive looked at the insurance sites and they want all my information i just need a estimate for my truck please help i dont want to enter all my information

Auto insurance required when buy new car???

I live in california and recently went to the dealer bought a brand new car, and the saleman told me that I need to buy the insurance for my new car right at the dealer otherwise he can not let me drive that car home from the dealer eventhough I have full insurance coverage on my old car(current car)? He ask me to get the insurance coverage that they offer for 30 days? Is this right or it is a scam to get more money from me? Is it true that for everyone who buy new car to get the insurace coverage before they can drive it home even if you have full coverage insrurace on your old car? Thanks""

I have a full uk car licence what do i put on my moped insurance?

my licence is full uk car and i done my cbt but when i look online to do insurance quotes and select licence type it always colmes up full moped, provisional moped, full motorcycle, european moped etc and no full uk car what licence type shall i put because of this ?""

I want to know how much the car insurance is going to cost me if i get a peugeot 106 quicksilver or?

a Golf Mark 4 with Pass plus and Without Pass Plus? TY Im 17years old aswell and havent passed yet will do soon

Car insurance companies that allow you to drive other cars?

If i am over 25 and fully comp on my vehicle I can drive other vehicles that have fully comprehensive car insurance which insurance policy let you do this?

Whats the best auto insurance for me?

i want a insurance company that gives gives checks to me for claims and lets me fix my car not shops. geico? AAA?

How can i get very cheap health insurance?

i am 18 yrs old, i go to school and i work at a place that doesnt have insurance and i really need to go to get my teeth pulled and i need to go to the doc for my stomach... how can i get free or very cheap health insurance?? cause i have no MONEY!!""

Is it possible to get 3rd party insurance for an unregistered car?

I know it is pointless since being an unregistered car it would not be covered during an accident on the road, but will the insurance company approve 3rd party insurance on a car that is unregistered?""

Why car insurance quotes go up late at night?

Just been look at car insurance for the last few days using comparison sites and I have been noticing the quotes go up and down by a few hundred pound depending on what time of day it is. Anyone know why this happens?

minnesota insurance matching laws

minnesota insurance matching laws

https://www.linkedin.com/pulse/what-happens-life-insurance-after-you-stop-paying-william-carr/"

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pontiac insurance quotes

"pontiac insurance quotes

pontiac insurance quotes

BEST ANSWER:  Try this site where you can compare quotes: : http://salecarinsurance.xyz/index.html?src=tumblr 

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I have tried various price comparison sites without success . I need to get a low / cheap fully comprehensive car insurance policy for my son to be able to insure his car . We are an extremely low income family In order to drive his car on British roads my son needs to have an MOT certificate , Road Tax and Insurance . That is the Law of this land ! The Car only cost him 200 , I am not going to suggest that we break any laws but he should not have to pay out 15 times the cars value to get insurance to drive the car on British Roads , that is absolutely ridicules ! PLEASE CAN SOMEONE SOMEWHERE HELP There is NO PUBLIC transportation to get him to his place of employment , he needs his own transport , riding a bicycle is out of the question , he would be exhausted by the time he got there as his work place is 8 miles away , in windy weather he would be blown of it and in wet weather he would be soaked to the skin before he got there , he has to use his car . If I took him to work , I would have to make the 8 mile journey 4 times , if he does it , the journey would be twice . His Mother has her own car but works the opposite direction . her insurance is less than 500 but that is more than twice my insurance because I have held a driving license for longer , my insurance is very much lower . Our Son is too young to legally drive my vehicle . PLEASE HELP""

""What is your opinion of this article: how some people who can't afford insurance, can afford things like?""

Excerpts: The following items were commonly seen on patients or carried by their dependent children, who were also covered by subsidized programs: * Cell phones and ...show more""

How much does car insurance approximately cost for teenagers?

I'm 17. Gonna drive a 2012 Hyundai Accent Female 3.0-3.5 GPA I've had my license for about 3 months already.. and my dad still hasn't gotten me car insurance (which frustrates me considering i have my license and he won't let me drive anywhere without any insurance). He won't tell me how much it is monthly. So i'm wondering how much it'd approx. cost for me monthly?

Refund for one month not using health insurance?

So, my dad is enrolled in Empire through the affordable care act for the effective date of Feb. We did not receive any card until around late feb-march. They did not have any member ID for us during Feb because it did not even generate it yet at that point. My question is are we able to ask for a refund for that month? We did not receive any card or number during that month and did not even get to go to the doctor's. Thanks in advance!""

Average cost in nj for 17 year old girl for car insurance?

thanks

How to find affordable health insurance?

I am an international student in the US, and by law I am required to get health insurance while I am in university. I have been buying from Blue Cross Anthem and the price is getting very unreasonable over the years. The price is close to $1500/year. What company do you suggest me to get cheaper insurance from? Something preferably under $1000. Insurance Broker must certify that all of the following conditions are met: * Policy must be in English * All coverage limits must be in US dollars * Medical benefits of at least $250,000 for each accident or illness * Full cost of medical evacuation * Full cost of repatriation of remains * Coverage for the entire academic year* * Minimum 75% coverage for each accident or illness * No capped benefits e.g. $1,200 per day for hospital room * Maximum deductible of $100 per condition per plan year * Maximum out-of-pocket expenses $2,500 or less * * Must cover pre-existing conditions, with a wait period of no more than six months if attending the full academic year Thanks in advance.""

My insurer wants to charge me a lot for canceling my insurance?

My insurance company (Kwik Fit) tell me that if I cancel my insurance today I will have to pay the normal monthly rate tomorrow as I normally would and then the charge of 67 to cover the cancellation. As far as I can see this means would pay for a month of insurance that I neither want nor need. Is this right? I have looked over my policy and on the pages referencing canceling my policy and they speak f chrages but do not say how much and it is also quite confusing.

How much is insurance for a 17 year old?

I live in MA and I'm just curious how much money I would have to pay for my insurance...if anyone knows how I go about finding that out it would be very helpful! Thanks

Vehicle insuranse rate with new increasing cameras.?

I was wondering if auto insurance is lowering their rates due to new speed cameras , red light running traffic cameras, and right turn cameras are starting to rise in the county. Now is this something the auto insurance companies look at to make rates for county or city of which we reside in?""

No license due to car insurance?

My license was suspended because i couldnt pay my car insurance. Now I don't have a car and I wanted to know how I could get my license back since I have no car?

""If i get a speeding ticket, will i receive a notice from insurance?

So i got a speeding ticket in CA. I got the ticket in the mail and payed it and am now going to traffic school so that my insurance wont go up. Will the insurance company send me a notice regarding the ticket even if my rates don't go up?

How much for car insurance i need the cheapest price?

i need the insurance the requier for the law

What's the cheapest insurance company for a 21-year old with a 2000 ford mustang?

My driving record new and unblemished.

What is the cheapest car to insure?

What is the cheapest, cheapest car to insure for a 17 year old in the UK. Cheers.""

How can I get cheap car insurance as an 18 year old in the SE UK?

I can't seem to get anything less than 3000

Auto insurance is through the roof?

i have a 1991 jeep wrangler sahara and i pay 230 buck a month on parents insurance what is the cheapest company to go with and y is my bill so high

How much would insurance cost for a 2007 Mustang GT?

I know I can't get a definite number, but I'd like to know just if it'd be a lot or a little. It's a 2007 Mustang GT 5 speed 6 cylinder.""

Cheapest car insurance for you a young driver?

What are the cheapest cars for a young driver to insure? I'm 17 and looking at buying soon so any help would be great!

Whats high mileage for an Infiniti G35?

I'm considering purchasing an infiniti g35. I'm looking at the 2004 and 2005 g35's and the ones in my price range typically range from 60-70k miles. Is this high mileage for an infiniti? How long do these cars last on average? Also I'm 20 years old; would this car have high insurance costs? Thank you!

Security Guarding Company insurance?

Can somebody tell me how much the average insurance would be for a security guarding company?

The cost of dentist and insurance?

My family don't have insurance and I need to visit a dentist because I am having cavity. Does anyone know how much is the cost to visit a dentist and fix my cavity without an insurance? I am considering buying insurance for my parents and my self. I need advice on this matter. Please help. Thanks a lot.

How much will it cost me to insure monthly a Porsche Boxster 2.5 2dr Roadster 1998.?

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Cheapest method for car insurance for 17 year old male?

Cheapest method for car insurance for 17 year old male?

Whats a good insurance?

I need a good insurance. Im looking for medical,dermotalogyst,chiro etc... Any info please help?""

""Just moved to Louisiana, do I have to change my address, driver's license, and transfer my car insurance?""

I moved from Minnesota a couple weeks ago and I'm afraid it's going to be expensive to change all of these, especially my insurance due to the increased crime rate here in New Orleans. Is this illegal to leave be? I am really quite clueless. What about when my tabs expire in December? Also I bank with Bremer bank which is only available in the midwest, do I need to change it? Can I keep my checking and savings accounts and open a checking account here at a Chase bank as well?""

pontiac insurance quotes

pontiac insurance quotes

Which car insurance company is cheapest on international licence in uk?

Which car insurance company is cheapest on international licence in uk?

Car hit me but i have no insurance. What will happen?

I was hit by a car, and it was the other drivers fault, but i didnt have insurance when this happend. Can the others drivers insurance still pay me for the damage on my vehicle? Or what will happen?""

Can i extend my insurance quote?

I have a quote and it expires on the 27th this month. When i try and get another quote its 3 times as much. I would get it now but i will have 1 years ncb on the 7th of oct. If i rang them up do you think they would extend the quote expirey date? Or do u think they might accept my 11 months and 2 weeks ncb? Or even make me pay an extra 30 or so to start the insurance now then send them proof when i get the ncb

Anyone know part time jobs that give health insurance?

i know starbucks does but i was wondering if there were any others...

Transferring Car Insurance?

I just re-newed my car insurance but now im purchasing a new car. Is it possible to get the balance of my last insurance payment transferred over to my new car? Or will I have to pay for insurance again in full?

How much is motorbike insurance for a 125cc bike roughly?

I know it's had to predict, but im looking to buy a bike soon. Im 18 years old, live in south-west London, have a full driving license for 1 year now. (some factors they might consider) thanks.""

How can i get homeowners insurance if i own a rottweiler?

i currently have gieco home insurance and they said they will not cover my home if i own a pit bull, rottie or chow what i'm i supposed to do with my rottie? please help""

Another insurance question for you...?

I'm 16, and soon I'll be getting my first car. When my mom checked out how much my insurance would be on a black Honda Civic 2-door from 1997 they told her it would be $100 a month. Needless to say, that car is gone and I now have my eyes on a silver Chrysler Sebring 2-door convertible from 1998. Judging by the price of the insurance on the Civic, how much would it be on the Sebring? Thanks in advance.""

I have an old pickup truck but can't find a price to get an insurance quote.?

I'm working on a 1972 International model 1100 Eight pickup truck and can't seem to find a price for it in todays market. I've looked on every automotive web-site I can think of, but they have every make except International. I'm trying to get an insurance quote over the internet and I really need this. I paid $400 for the truck itself and about the same for new parts. The guy who owned this truck before me said it was originally a one ton pickup, but the bed was switched out with a three ton. I know I have to add the price of the new parts, but all I want is an approximate base price. I'll take any advice, web-site, or anything else relevant to my needs.""

How much is insurance for mopeds?

i dont want specifics but what is the range? More that car insurance,same less?Is it really worth it?""

Can I buy a car 4 months before my 17th birthday but not pay any insurance?

My 17th birthday is not until April and I've found a really good price second hand car but as I can't drive it until April is there any way I can buy the car but not start paying insurance until April? or not pay as much

Can i drive other peoples vhicles with my car insurance?

hi i have insurance to drive my car and im coverd to drive other peoples cars but dose the other persons car need insurance covering that vhicle for me to still be coverd or will my insurance cover that??? thanks

Health insurance?

sometimes insurance doesnt cover some medical things. my mom said that she knew a man who had cancer in his eye and his insurance wouldnt cover it because they said it was comestic. does it depend on the company? and usually what other things does health insurance not cover?

How much does Auto insurance cost in Mass?

I am moving to Mass, and am curious if someone can give me an idea about how much it would cost to insure a 97 Acura CL 4 cylinder car. I am having a hard time finding quotes online. Round about numbers would help.""

Lady friend totaled my car... How will my insurance go about covering things?

My friend borrowed my car & crashed into someone. She totaled my car (I got the car 6 months ago & I have $8150 worth of payments left on it) & did about $2000 worth of damage to the other car... She was in the hospital for 3 nights HOWEVER I believe she was kept for that long because of some other health issue she was having that was not caused by the accident. She's NOT going to pursue my insurance for medical coverage. She does not have a vehicle or vehicle or vehicle insurance. The other driver was not admitted to the hospital, I don't believe. We have the same insurance company. My friend was 4 times the legal alcohol limit when she was checked at the hospital following being taken there in an ambulance; however she was never checked by a police officer & issued a DUI. She was only issued a ticket for rear ending another vehicle... It goes without saying I am furious with her. I don't believe we will be in too much contact from this point forward unless everything works out good with this situation. Do I have much to worry about the hospital checking her BAC? I have heard that the only way the insurance company will find out all that is if it's in the police report. How will things be handled? I will sue my friend as a last resort; however she has NOTHING literally. I live in Florida.""

Antique car insurance?

I have read about cheaper insurance on classic cars, but you can only have it if you occasionally drive it. Is it possible to have that insurance on a classic car (1970`s) and use it as a daily vehicle? Is there some kind of loophole or something? Thank you in advance. Sorry for my english.""

Car Insurance question - Do you own your home?

We just got married and the house is in my husbands name, even though I am on the deed papers as well. I am just applying for a car insurance and I'm not sure what to answer to that question... Any advice please?""

Car insurance for family car?

My mum is learning to drive and my dad got her a small Vauxhall Corsa and the idea was to insure me on the car so I have access to it should I need it. The quote just come in at 1300 ish and well for a car I may or may not be driving that much I am not going to pay it. On my own if I owned the same car I have found insurance of around 700 which is more acceptable. The problem is I don't own the car and my dad is insured on it and my mum is insured on it as a learner, but could I then insure myself on that same car separately? Naturally I'd have to tell them who owns the car but other than that? The main problem is I'm 21, have not driven in three years since passing my test (due to insurance funnily enough) and a student, which is a potent mix for insurance companies ripping you off as much as possible.""

How much should a person pay for car insurance in uk?

How much should a person pay for car insurance in uk?

Violations that show up on insurance quotes in nj?

About 2 years ago i got a ticket for not stopping at a stop sign. I went to court and they knocked it down to something so i wouldn't get any point and just pay a fine. I don't remember what they knocked it down to. But why is it still a concern on my auto insurance. I didn't get any points so should it matter?

With 5000 what is the best car I could buy and insure at 17?

the car would be second hand.

Use my insurance to pay for high repair costs?

My vehicle was vandalized and due to that I have Many scratches and dents to the sides of the car. My insurance estimate 2100$ worth of repairs in which I pay 300$. Initially the representative told me that my insurance would not go up monthly because I don't have a.bad history of claims n the incident was not my fault. But that was before they appraised the car so now they would have to give me 1800$ and im.not sure whether I should go through the insurance or not I don't want to affect my monthly payments. Any suggestions?

What happens if my employer forgot to deduct my health insurance?

I just started a new job and my employer seemed to forget to deduct my health insurance from my paycheck. I called the benefits department and they said I was signed up for the health insurance. I called the health insurance company and they said I'm signed up. I called the accounting department and they said I'm not signed up for health insurance. What happens now? Am I going to get hit with a huge bill for that not being withheld from my paycheck?

I have a question about a my car insurance PLEASE HELP ME?

Okay I was in a car accident on May 7th. I was going north towards main street. there was a vehicle in front of me. The vehicle in front of me merge to left as if he was waiting for someone to come outside. He didn't have no signal light or hazards lights on. So I merge to the right pass him so the guy must didn't see me so he hit my right front end bumper, headlight, and door. So I didn't have my insurance in the car so I got a ticket and the other guy had a ticket because he didn't have insurance. On the police report it said he had a left sgnal light to turn in is driveway. Just to remind you that the vehicle doesn't belong to the driver and he had a NY license. My insurance liability told that he couldn't contact the other guy to see if he had insurance and send him letters. So he told he's going to put it's not at fault but I have to pay for a $500 deductible. But WHY?????? if he didn't look at the cars but he's going to basis on paper work. Is that wrong? or should I look into some more??????? HELP ME""

Car insurance changes?

hi i have had my insurance since august and i have decided to buy another car and change it over, but as the insurance may be cheaper elsewhere than staying with my current insurer, if i cancel am i liable to incur costs? if they quote me more than another insurance company obviously i will go with the cheaper. i pay monthly not in whole.""

pontiac insurance quotes

pontiac insurance quotes

""I'm 18, want a Toyota Supra in a few years. Need help!?""

I'm 18 and love cars, especially Jap cars. Before anyone starts, I'm not one of those boy-racer types, I'm genuinely interested in that car. I know you can get a 2nd-hand Supra for less than 5000, but can anyone advise on insurance and how/where to buy a Supra, by age 23/24? I plan on respraying the Supra a bright orange, and getting a bodykit for it - making it look really nice.""

What is the penalty for driving without insurance in california?

what is the penalty for driving without insurance in california?

How much is YOUR car insurance a month?

I know the make, model, and various other factors will affect my future car insurance search, but I'd really like to hear it from real people..if you would be so kind as to share with me? :O)""

Infertility insurance?

Does any one know of a good provider or some one with an insurance rider for infertility? I have great health insurance, except it dosent cover that! I should say that I live in Kentucky. Thanks""

How much is car insurance for a 25 year old female?

How much is car insurance for a 25 year old female?

""I own a 2000 chevy cavalier and im 17 years old and need insurance, about how much would that cost?""

Its small, green, and its a two door""

Will my insurance go up?

I am 17 and had insurance. I got into a wreck because i dint stop at a stop sign and hit a car. everybody was fine and i got a ticket for driving left of center and careless prohibited driving. So is my insurance bout to be high??

Does anyone have car insurance through Wawanesa Insurance?

http://www.wawanesa.com/ I got a quote that is very, very good!! Looking for any feedback, good or bad. Thanks Note: Currently it is only available in California and Oregon (And Canada)""

Transferring van insurance to car?

can u transfer van insurance to a car in republic of ireland

Having difficulty cancelling auto insurance with allstate?

I switched from Allstate to Geico on Feb 21st (a Sunday). I called my local Allstate guy on Monday the 22nd. He said he'd cancel the policy, and I logged into my Allstate account online on the 27th and it still wasn't cancelled. I called their 24 hour customer service and spoke with someone who said they'd put in the request to cancel the policy again. I log into my bank today and they WITHDREW my March payment! So I called them again and they said the policy was still active. The lady I spoke with tonight said they will need to see proof that I'm with Geico now. Why didn't anyone tell me that the first two times? What do I need to do to get my policy to be cancelled? I've been with a few other auto insurance companies in my day and I've NEVER had this much of an issue getting the policy cancelled! As of now they owe me well over $200 and I'm afraid they're going to play games with me before I get my money back. What are my rights and options??""

""Seniors, did your home/car insurance go way up when you hit 65?""

My mothers insurance for her home and car are through the same company. Her rates just doubled in the last bill - she called the agent and they said it was because she just hit 65 and because Medicaid wouldn't pay anything for her healthcare if she was in an accident. That makes no sense to me. Seems more like insurance company blundering that needs to be cleared up, but I wondered. Thanks.""

Can you get insurance on a vehicle if your license is suspend?

Can you get insurance on a vehicle if your license is suspend?

Who has the best health insurance in California for college students?

I am a full time college student, and I am looking for health care insurance, but I'm not for sure which to go for. I was looking up Blue Shield of California, Health net, and Kaiser, but I'm new to this.""

Can you give me an estimate of how much car insurance would be.......?

lets say a guy under 30 in california with a 2002 BMW 325i sedan how much would insurance be?

What happens if im a day late on my car insurance?

i pay monthly with gieco.today my payment is due but i wont have the money untill tomorrow.will they cancel my insurance?will i have to pay some type of fee? will my car insurance go up? Plz help

""Deploying and no long need car insurance, will rates go up when I get back?""

I'm leaving in January of 2011, but I'm also going to a new MOS school from July till Sept. If I don't have car insurance from July 2010 till January 2012, will my rates be higher when I get back and get insurance again?""

What is the cHEAPEST car insurance???......?

4 a 17 year old

What is a cheap car insurance for a 19 year old?

What is a cheap car insurance for a 19 year old?

Am I able to check the status of my husbands car insurance claim ?

Last October , I sold my car so I would be able to buy a more gas efficient car. I found a car that I wanted that was a stick but didn't no how to drive stick. My husband talked ...show more""

Cheap health insurance?

Hello, I work as a nanny/housekeeper and do not have insurance available through work. I live in NH and I need to get cheap health insurance. I haven't had insurance in years.""

Where can I get an insurance quote?

I want to get an insurance quote on my car but every site I go to asks me for a lot of information such as address, name and other personal things. Is this how you have to do it? Or is there a site where you just type in your birthday and info about your car? I just want an approximate quote. I'm only 16 and would be insuring a 1974 Ford Mustang II with a v6. How much do you think that would be? Whats the best site for quotes?""

Insurance for less than 3 months?

Is it possible to get car insurance for just a few months, before i dissapear off 2 uni? Which Insurers do this?""

Who is the most dependable Motorcycle insurances and the cheapest?

What all do I really needfar as coverage..I have good medical already...what's the minimum coverage? I have a new HD fatboy 2006 with the 1689 cc with custom pipes. I just wantthe basic coverage. How much is a good premium?

What is the cheapest car insurance?

in Richardson, Texas.""

What are some good California medical insurance options?

What are some good California medical insurance options?

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pontiac insurance quotes

Which is best health insurance?

I was wondering whats the best insurance for me im 18 live with my parents dropped out dont go to college plan to get my ged soon. But i have to get some blood work done for my doc out of state and the place i called said its 832$ i can pay for it but im thinking i should jus get insurance since im going to go on TRT soon prehaps.. so what Health insurance can cover my blood work and hopefully everything in future also im not a citizen but i am a green card holder does it make a difference? thanks i didnt reread this so sorry for any errors

Auto insurance for a 17 year old dirver?

ive had my license since christams and im looking for car insurance and im 17 years old how much is the average auto insurance for a teen like me and whats the best thing i can do thank you

How much would motorcycle insurance cost me?

Age is 16, the bike is a Kawasaki Ninja 250R (250cc), in Ontario, Canada.""

Which is cheaper ? Insurance on a small or mid size truck?

My son will be getting his license in a year and a half. I am thinking of going ahead & buying a used truck for him, and he can practice in it when he gets his learner's permit. He would like a truck. I have been encouraging him to get a smaller one, like a Toyota since it will be cheaper on gas, If I let him get a bigger one, like a mid size Chevy, would the insurance be cheaper. Where would I save more money--on a more fuel-efficient truck or a bigger one with cheaper insurance? I am thinking of 93-96 model years.""

Can you cancel your car insurance?

I will be selling my car, and still have 4months left on a 6 month insurance..they have my bank account""

How much will my insurance be every month?

I am 19 years old. I live in Lufkin, Texas, USA. I make around $24,000 a year. I have good credit and I am about to purchase a 2005 Honda Civic Coupe, 2-Door. The dealership says I need to have full coverage insurance on my new car, about how much am I looking at each month?""

Car insurance for 2004 Mustang?

I'm looking at a silver 2004 Mustang with a manual transmission. I'm a 17 year old boy and my insurance is State Farm. About how much will my insurance be? Also, how much will registration and licensing cost?""

Insurance Forum?

Are there any good forums that discuss insurance products without trying to sell you something?

""How much does a car insurance quote cost?If u get one u wont get emails from them,and stuff in the mail,will u""

How much does a car insurance quote cost?If u get one u wont get emails from them,and stuff in the mail,will u""

Health insurance in south carolina?

My husband and I need Medical insurance. I live in SC. Can anyone out there tell me of some companys to contact besides BCBS.

Who's a good Life insurance company?

I'm looking for Life Insurance Company that doesn't require health exam for my husband. He's a tabacco user Copenhagen Long-cut but a non-smoker . We are looking to get a policy $50,000-$100,000 that is affordable. I see those advertisements on TV saying you can get $250,000 for $30.00. You know what I'm talking about? He's never been sick but he is a little over weight. Come on who isn't? LOL Help, Please for those who know something about Life Insurance policy. Tks.""

Im a 20 yr old female- much would it cost to insure a 1.4 2007 astra sxi?

JUST PASSED TEST. Its insurance group 6 Tanks

My car insurance is way too expensive?

And I'm planning to change to a different insurance company. I'm suppose to pay two months worth of insurance later this month of about $380, but since I didn't have any accidents on the car, wouldn't that just be paying for nothing? At this point I feel like I am paying for a What if that never happened, so it's more of a Why? now? Maybe I'm just feeling cheated by my insurance company. I had a wreck that should have been removed from my insurance six months ago, as promised, but came to find out that they are still charging me the same price as they were then. I already contacted another company and got a way better deal, but I don't want to pay for the last two months, since I didn't wreck, and feel like they cheated me. Is that justified?""

""Car parked on drive, do I need insurance?""

I am buying a car in aprivate sale very soon, although will not be able to drive it until April 1st. Will I be able to just leave the car on my drive without insurance or is that illegal?""

""Dems, why don't you believe you'll be fined or jailed if you don't buy health insurance?""

With few exceptions, everyone would be required to buy health insurance. Each adult without it would pay an annual penalty, set at $200 in 2014; $400 in 2015; $600 in 2016; and $750 in 2017. http://www.usatoday.com/news/washington/2009-10-12-healthcare_N.htm That's Obamacare in a nutshell dems. Buy health insurance or else! LOL, how's that hopey changey stuff working out for you dems? You're going to be FORCED to buy health insurance now from Obama's Wall Street buddies.""

Cost of car insurance?

I am a 17 year old female. No crashes, good driver. I just got enough money to buy a car, and need to pay for the insurance. I Dont know how much money that would cost. I hear its diffrent everywhere, but what is the adverage for minnesota would you say? I'd appreciate it! thanks :)""

Will a cat D effect the cost of insurance?

i know the insurers value the car at up to 25% less so it's important to get a car that is atleast 25% below most similar models but what about the insurance group does that go up?

What is the best age to buy life insurance?

What is the best age to buy life insurance?

Are there discounts on insurance for cars that are 25 years or older?

I heard that insurance is very cheap for cars that are 25 years or older. I heard suggestions of about a few hundred per year. Is that true?

RX-8 annual insurance cost?

So I'm 18 and male, just got my license and need to buy a car soon. Set my sights on an 04 RX-8, but I need to know if I could afford the insurance. I have no accident history (obviously) would be primarily commuting about 15 miles a day, and would go LIABILITY ONLY on my parents' plan. GUESTIMATES WOULD BE APPRECIATED AS WELL AS WHAT YOU PAY FOR YOUR RX-8!! Spank you bunches""

Insurance for senior parents?

I'm considering enlisting in the military. One of the benifits I will recieve is life insurance at an affordable cost. I can get a joint policy with my 2 senior parents (who are currently uninsured) given that they are my dependents. In order for them to qualify, my parent's AGI has to be less than $3200. My father is a licensed chauffer (cab driver) and my mother retired early, and is recieving SS benifits. Will the annual SS amount disqualify her? My father does not file for taxes, and currently owes for not filing. (cabbies don't deduct taxes, they make what they make, I guess) My question is, will this be a stretch to try to get them insured via my military benifits, considering their situations?""

What are the cheapest auto insurance companies in eastern Pennsylvania that cover grey market automobiles?

I recently bought a 1984 Mercedes 500SEL and my insurace company says they will only cover my car for 30 more days until I find a company that will cover a grey market car. The guy I bought it from had it insured so I know its possible, but could you give me some ideas of cheap companies to start off at? I'm a newly licensed driver and am only 16, so please only give me companies that sell policies to 16 year olds (some only sell to 18 and above). Thanks.""

How much does US health insurance cost per year?

I am considering moving with my wife and kids to Michigan for a year as part of my degree. I have a number of questions, mainly about health insurance. 1. Will my wife and I still be considered married? If not, will that affect the way we buy insurance/are treated at the hospital? 2. She is very active, with slight asthma and bad PCOS. How much (roughly) would health insurance be for her for one year? 3. I am wheelchair dependent and suffer from epilepsy. How much (really roughly) would my health insurance cost? 4. Do I buy separate health insurance for my children (aged 17 months, 1 month and 1 month)? 5. My eldest child appears to be struggling with leg movement and we are considering the possibility that she may have inherited my condition. Will treatment and tests be covered by the insurance, even though we have an idea of what it might be before buying the insurance? I know these must sound like obvious questions to US citizens, but we are not a particularly rich family, so we need to make sure that there are no big bills hiding around the corner! Thank you""

United Healthcare Insurance?

My family will be switching over to them on August 1. Does anyone out there have this insurance and how do they like it?

What would be the highest insurance group car i could insure when im 17?

What would be the highest insurance group car i could insure when im 17? like the 1-20 ratings?

pontiac insurance quotes

pontiac insurance quotes

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