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cherry-gemz · 3 years

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The City by The Bay: Part IV

Summary: Fates push you and a handsome and known stranger into each other's paths. His chivalry and good looks make you take a leap into his world and more.

Catch up HERE

Pairing: Keanu Reeves x Y/N (F!Reader)

Word Count: 4k

Rating: Mature, N*FW, 18+ only please, TW Motorcycle accident

A/N: Was thirsty AF and ended up smutting this fic up 😂. We take a turn that I was not expecting...

A/N2: Excerpts from an interview are in bold, taken from here: https://www.keanu-reeves.net/post/162864242206/abdominal-scar-keanu-reeves-first-big-spill-came

Who might be interested: @whiskeyslullabye @marissat1998 @aestheticallywinchester @fookingbetch

************

It all happened so fast. The rain felt like pellets on your back and the wind sprayed the droplets onto your face, making the strand of your hair stick to your forehead. You had to close your eyes for just a second and that's when Keanu swerved out of the way as a black BMW ran the stop sign ahead. He maneuvered the bike as best as he could. With all his years of training, he was the best probability if ever you were to be in an accident.

But as he jerked to the right, the slickness of the pavement made the grip of the tires useless and he lost control.

"Keanu!" You yelled and held tight to his waist and buried your face in his jacket.

"Hold on!" He shouted back and slowed down as best he could. He released his grip and instead grabbed you into a tuck and roll. He grasped you in his possession and shielded you from the fall.

You felt the impact to the ground instantaneously and prayed that the pain that seared through the impact would be temporary. You heard him grunt loudly as he took the majority of the fall for you. The scrap of metal reverberated in your eardrums and you grimaced at the thought of damaging his beloved motorcycle. The rain pounded harder onto your laying bodies on the street. You could hear cars whizz by and the splash from their tires against the curb. You were frightened, out of your element. But also reassured from his protection. He had given up the bike in efforts to make sure you were safe. You felt a sense of relief that he cared like that, but then also remorse as you were worried about his favorite motorcycle.

He groaned as he held you tight, "Y/N? Are you okay?"

His voice shaken as you nod and sniff, the helmet heavy on your pounding head. He let out a sigh of relief.

"What about you?"

He nods, "Yeah...I'm alright." He groaned again and you could tell he was saving face.

The two of you lay there for a few seconds and you hear people slowly approaching.

"Omigosh, are you guys okay?" A stranger asks.

"That guy came out of nowhere!" Another pipes up. Keanu says you are and the tinnitus hits for a second and you're unable to hear what is going on.

***

The garage door’s rollers rumbled as it closed and you both walked into the house, sheltering yourself from the downpour.

Keanu peels his leather jacket and places it in the foyer as well as his boots. You slip your shoes off and place your purse on a chair and slip off your jacket, laying it next to his.

"This day is just out of this world," he says and shakes off the excess rain from his hair. He groaned as there's a stiffness to his shoulder blade. He massages it with his hand and tries to loosen the muscle unsuccessfully.

"Are you sure you don't want to go to the hospital? I'd feel a lot better. They could take a look at your shoulder and check for any internal bleeding…"

He shakes his head no, "It's okay, Y/N. I've been in far worse accidents in my lifetime. I'm just glad you're okay...I don't know what I'd do had you gotten hurt."

You smile slightly at his endearment, but feel guilty still.

"And the bike, it's not too much damage?"

"Nah, just a little buffering out here and there," he replies as he holds his shoulder with his opposing hand.

“Let me start a fire and give you some extra clothes. By this time tonight you’ll have gone through my whole wardrobe,” he jokes as you snicker.

He gazes at you momentarily and you shiver slightly, springing him back to reality. “Be back.”

You nod and peer down the hallway admiring some architecture photographs of the house.

You’re reminded this isn’t his actual house, that he’s most likely renting it while on his project, but you’re still enamored. You're still in his presence. No one will believe your serendipitous encounter with the movie star. It all feels like a dream anyway. You rub your forearm and try to gain some heat, but your jeans are soaked and it’s difficult to move around.

“Keanu?” you call out down the hall.

“Yeah?” he shouts back.

“Sorry, I’m just freezing…” you cringe and you feel like you’re being a nuisance.

He appears around the corner, changed into black sweats. He's kept his white t-shirt on from earlier and even though he's in a casual form, it's intimate.

"Here, I found some extra sweats," he says and hands you a pair of grey pants. "Do you need a sweater?"

"Yeah, I'm pretty chilled," you reply as you accept the pants. "I'm just gonna go change, that okay?"

"Sure, by all means. I'll be in the living room with that sweater," he says and you turn around to go change your clothes.

A short while later you walk down the hall in his oversized sweats, still wearing his black shirt from before as well and you bite your lip from beyond belief that you're spending the whole day with him.

You hear the crackle of the fireplace as you enter the open spaced living room. He's sitting on the leather couch facing the fire with a glass of red wine in hand.

He turns his attention to you as you enter, "Hey." He gets up slowly as you can tell he's in a bit of pain and hands you a black ARCH hoodie and a glass of red wine.

"Thank you," you flirt as you pull the hoodie over your senses and are enlightened with the hint of his cologne: woodsy, warm, and ephemeral. You could die right there and be in bliss.

"Not too early for wine, is it?" He asks genuinely.

"No, definitely not," you smile and bring the glass to your lips and take a sip.

"Good, I think we deserve it from what we've been through."

"Thanks for this...and the fire. It's all very inviting."

"Of course. I'd be beside myself if you caught a chill on my account."

You nod and he ushers you to the couch, placing his hand gently on the small of your back.

"My sweatshirt looks good on you," he says and you notice some blood on the back of his shoulder blade.

"Oh no, Keanu…" you say and place the wine glass on the end table.

He takes a sip and looks back to you, "Yeah?"

"There's...there's blood on your shirt. You hurt yourself from the fall."

"Really? I didn't feel anything," he peers over and tries to take a look.

"Do you have a first aid kit?"

"I think there is one in the kitchen…" he slowly gets up and you grab his forearm.

"No, let me. You have given me enough hospitality to last a lifetime. It's the least I can do. Drink your wine and relax."

He grins and relents as you head to the kitchen. You rummage around and finally find a kit underneath the sink.

"Alright, now are you going to be a good patient?" You say and cock your brow.

"No promises," he laughs and shakes his index finger at you.

You sit next to him on the leather couch, "Alright, let's see the damage."

He peels his shirt off from the collar as all men do, least they are aware of how sexy the act is. You try not to hitch a breath, but your eyes wander as the peep of his ab muscles are exposed and his shoulders are defined and hard.

You see the cuts from his shoulder and open the kit for an antiseptic.

"What's the verdict, doc?" He asks as he holds his crumpled shirt in his hand and drinks his wine with the other.

"You'll live," you kid as you grab a cotton ball and apply the antiseptic to it and lightly dab it on his cuts.

He flinched slightly, but refrained from making any movements.

"So tell me about your other accidents," you ask as you continue first aid.

"Hmm, well once as I was going through the canyon, I lost control and got this," he points to a thick scar rising vertically up his stomach.

You frown and continue to gently cleanse away the blood from his back.

"That was in LA?"

"Yeah, I call it a demon ride. That’s when things are going badly. But there’s other times when you go fast, or too fast, out of exhilaration.”

"Were you speeding? I heard that canyon has insane blind spots," you ask and add an ointment to his cuts.

"Heh, you could say so. The turn I hit was unexpected. I remember saying in my head, ‘I’m going to die.’"

"Shit, Keanu…"

He shakes his head,“I remember calling out for help. And someone answering out of the darkness, and then the flashing lights of an ambulance coming down. This was after a truck ran over my helmet. I took it off because I couldn’t breathe, and a truck came down. I got out of the way, and it ran over my helmet.”

"So why do you still ride?" You laugh. "That would have scared me for life."

"Well, it taught me something. Something not to do, y'know? Something that taught me how to react with what happened today? Today I leaned into the turn when the car came out and released the break. If I hadn't had that experience in the canyon, I wouldn't be the rider I am today."

"Well I'm glad you're okay...from that ride...from any ride you have trouble with."

"Thanks...I'm glad, too. While I probably have some wild rides left in me, I wouldn't ever want to place you in danger."

You both are still and quiet from his words. The fire continued to crackle and you looked through the kit for gauze and tape.

You cough into your fist and are slightly embarrassed that he would say something so sweet as that to you. You hardly knew each other, but he had a sense of genuine care and kindness towards you. Your feelings for him grew, he obviously was very handsome and kind. But he had a sense of an old soul in him that you wanted to get to know further. You hoped in your heart that this wouldn't be the last time seeing him.

"I find your presence extremely comforting, if I can say so," he turns his head to you.

"Yeah?"

You ask as you place the gauze over his injury and seal it with surgical tape. Your fingertips lightly graze the outer parts of the tape where it meets his skin and you savor the moment. "All done here."

"Thank you," he smiles and reaches for your hand.

"I know we just met, but you're so easy to talk to Y/N. I know I have a persona that people see being a celebrity and all, but while that is a side of me, there are also other sides. And I'm not afraid to show them to you."

As he leaned in and turned his torso, it caught your breath. The first aid kit wobbled in your lap as you sat on your knees.

"What I want to say is that, I like you...I think you're very beautiful and incredibly sexy…"

"Keanu…" you whisper as he continues closer to you.

"Y/N...I'd like...I'd like to kiss you..." he turned his neck and looked into your eyes and then at your lips. He was so subtle in his movements, a gentleman. You nod, without having the ability to speak at the moment, and close your eyes as he places his lips onto yours.

There is heat surging through your body; jolts of excitement and wonder encompass your surroundings. He cups your face with his large hand and you instantly melt. He tastes of wine and rain: two of your now favorite things. The unexpected feelings engulf your inner core and you want more. He invites your tongue and opens his mouth slightly, changing the sweet kiss with more intensity. Both of his hands cup your face now and your hand roams down his biceps to his torso.

"This isn't like a normal thing for me," you say in a heavy breath as your lips separate from his.

"What isn't?"

"Kissing someone I just met…and definitely not this..." you gasp as he kisses the nape of your neck.

You sit up slightly and the first aid kit tips over and drops to the floor. Unphased, you wrap your legs around him into a straddle on the couch. He's surprised by this move, but doesn't relent and lightly bites your bottom lip. His hands roam from your face down to your neck and you crane it back, giving him ample opportunity to relish the soft, sensitive spot.

He does so and places his lips on your skin, making you moan his name.

"I don't normally do this either...but I can't help myself with you," he says.

His other hand continues down your body and through the thickness of his hoodie, he slinks his way under your clothes and touches your breasts.

"Uhnnh…" you moan again and he watches your enjoyment from his touch. You quickly peel off his sweater and his shirt, allowing your breasts to be fully exposed to him. Your now slightly dried hair hangs over your shoulder and he brushes it aside, giving it a kiss. You close your eyes and relish the fact that he has his lips on you. Your senses are in overload and you’ve never wanted anyone more. In the moment there is lust and the excitement of pleasure you’re wanting to experience, so you decide you want to move further.

He trails his kisses and peppers them over your collarbone to your chest, and you hold him right in embrace. You hand lightly grazes the recent bandage and you give it a light kiss.

"Y/N," he rasps. "Do...do you want me?" He bites your lip and you roll your eyes back for a moment.

He brings his face back to yours and you reply, "More than you know."

A huge grin escapes his lips and ignites a growl deep within him.

"Thank God, I want you so badly," he rasps as he holds you tight against his body.

"Where do you…?"

He continues to kiss your neck and his hand drifts down to your center. The baggy sweatpants give enough slack as he dives his hand and inserts his fingers. You mew and hold onto him as he tenderly tours your folds.

"K-Keanu…"

"You feel so soft…" his ministrations ramp up and he enjoys watching you unfold. His deep, brown eyes locked into yours and you crane your neck back as he hits all the spots and encircles his thumb perfectly over your little nub.

"Uhhnnn…"

Your mind starts to spin as you let go any restraint and close your eyes as he pumps his fingers in and out. Things become a blur and a mix of sensation and pleasure intensifies; you grind against his lap and can feel his excitement grow and it only turns you on more.

“I-I’m…” you stutter as you’re close to climax and then he slowly releases his fingers. “Why are you stopping…?”

"Can I taste you?"

Never in a million years you thought you'd ever hear him say those words. It startles you and you freeze, brushing your hair away from your face to gain composure. He plants more kisses on your chest and cups a breast in his hand.

"Let me taste you, Y/N. I want to taste you…" he whispers and begs. The heat between you two is almost unbearable. He's ignited something within your core and you want him, you need to give into your desires or you might explode. Wild, breathless kisses are exchanged and provide ample savour.

“Yes, please,” you ask and you unhook your legs as he gently lays you back on the couch. He kisses your taught stomach and runs his large hands over your hips until he finds what he is looking for. He hooks your thigh over his good shoulder and buries his face between your legs. You buck your hips from the intense sensation of his tongue and scream out his name as the rain and thunder roll outside.

After what feels like an outer body experience, you are able to finally breathe and lay on the couch in disbelief.

He smiles with a cocky grin and gets up to clean his face. You rub your eyes and stretch your toes. It had been awhile, well maybe never to have experienced that sense of euphoria. He was attentive in all the right places and relished at the fact that he loved the taste of you. You discreetly blush and reach for the throw blanket to cover up.

As you sit up, he returns with the bottle of wine and tops your glass off.

“Thank you,” you say and make eye contact. “And thank you…”

He chuckles and kisses you tenderly on the lips.

“I should be thanking you, I very much enjoyed it, too.”

“I can thank you in other ways, you know,” you purr and run your fingers through your hair.

He waggled his eyebrows, “Is that so? I’d like to see in which ways…”

You take a sip of your wine and return it to the end table. As you stand, you let the throw blanket drop and expose your body to him once again. You’re braver now. What you experienced was an intimate moment together and your walls were down. You felt comfortable, sexy, and beautiful. You grab his hand to pull you closer and passionately seal your lips on his.

He responds and holds your neck with his hand, while the other hand grabs one of your globes. His kiss is fervent and heeding; his lips are insatiable and the tongue explores your mouth. You open your eyes and as does he, with one swift motion you jump into his arms and straddle his waist. He grasps you by your inner thighs and walks down the hall to his bedroom.

He carries you into his room and his kisses become sloppy and wet, it’s a hunger that you can tell burns within him.

As he lays you on the bed, he trails his lips to your ear lobes and sucks on it and your eyelids flutter.

“Keanu…” you breathe heavily as you display your sex on his bed.

He quickly slips his pants and boxers off and you reach for his hard member and stroke it within your fingertips. He’s soft to touch and large in a way that you anticipate pleasure that will come. He grunts in approval and bites your neck softly.

“Y/N...I want all of you...you’re so beautiful. What do you want, baby?”

You practically orgasm at the sound of him calling you baby and you moan in approval as he delves two digits into your folds.

“I want you, too, Ke…”

He smiles, “Ke...I like that. I like you...a lot. I want you to scream my name just like that.”

You nod as he pumps harder and tantalizes your clit, sending waves of intensity all over your body.

“Oh, yes! Ke!”

“Do we need protection, baby?” He asks earnestly and you shake your head no.

“IUD,” you state in a breath and he nods in approval.

He releases his fingers and you whimper softly as he slowly rubs his cock along your wet lips.

“Uhhh, yes…” you moan and he watches the way your silky entrance throbs for him. He rubs his head in and out and you cannot take the heat that is building up inside you.

“Baby…” you rasp and writhe as he teases you in the most sexy way. He enjoys unraveling you, the thought that he can make you unfold in his hands is his own viewing pleasure.

He cascades his hand to your hip and then hooks your leg over his shoulder, giving him full access to his prize. He continues to rub his thumb over your clit and then with a few thrusts, inserts himself in you. Your eyes widen as your walls stretch for him; it takes a few seconds to completely allow him to go deep, but he’s given plenty of foreplay and pleasure that you invite all of him to enter you. You arch your back in agreement with his thrusts and you both moan in pleasure.

“Ke…” his name rolls off your tongue as he picks up his pace and thrusts harder. He leans over you, still holding your leg on his shoulder and kisses your calf tenderly. It’s a beautiful moment and you love how he caresses your leg, all in while thrusting in and out in a rhythmic game. He holds your ankle and continues his kisses until you pull him to you and plant your lips on his.

“C’mere,” you coo and rake your fingers through his hair. Besides the few grunts you both make while becoming one, the rain hits the window pane and is seared in your memory.

“I love your breasts,” he says as he watches them playfully bounce with his set pace of thrusts.

You cock your brow and cup them in your hand, “Do you?” you ask devilishly and massage them as his mouth widens in a state of complete adoration.

“That’s not fair, let me…” he responds and replaces your hands with his mouth. His thrusts become faster and harder, each time stretches your walls and the euphoria kicks in.

"Keanu…!"

You shout and let go all inhibitions as your toes curl in utter bliss. Your walls tighten further and your body shakes as he rides you through, a tidal wave of pleasure surges your body.

He holds the small of your back as you arch yourself on the bed and murmurs praises into your shoulder as he comes and releases himself. He crashes his lips onto yours and stays in you as you both recover. He brushes your hair away from your face and looks deep into your eyes and smiles.

"That was amazing," he grins and slowly pulls out. He collapses next to you and breathes in heavily. "Are...was everything alright?"

You giggle at his concern, "It was far better than alright. It was perfect."

He rolls to his side and props his head with his bicep. You cuddle yourself next to him and wrap his grey duvet around your body.

"You're pretty perfect," he replies.

You blush and he trails his finger up and down the side of your arm.

"I was not expecting my day to be so damn fantastic," he laughs. "Who knew running into you would lead to this?"

"Me, too. I can't believe this all happened."

"But you're glad?"

"Of course," you reply and give him a kiss. He holds you close and doesn't let go. You both listen to the sound of the rain for a moment and relish being in each other's arms. You're enjoying how he is so intimate and appreciates a cuddle afterwards.

He kisses your forehead, "I'm going to go get the wine. Do you want anything?"

"Hmmm...I'm kind of hungry."

"What? You are? We just ate!" He laughs.

"Well I mean, you made me work up a sweat!"

"Okay, okay," he says and holds up hands. "Let me see what I can muster up. I think there is some imported cheese in the fridge. Maybe some crackers with the wine?"

"That sounds divine," you reply. "But let me."

"What? No, you're my guest."

"I insist, you have an injury," you say and place your hand on his chest, rubbing it in a circular motion. You point your finger to his face, "Stay right here. I have all day and intend to spend it in this bed, mister."

"Whatever the lady desires," he smiles and watches you saunter out of the bed. "Take that shirt if you want," he points to a battered shirt on the chair.

"Don't want me walking naked around your house?"

"There are a lot of windows," he laughs. You not and reach for the shirt.

"Be right back."

"Sounds good."

You give him a kiss and walk out of the room, knowing quite well his eyes are on you as you leave with just his shirt on. You realize your underwear is still in the living room and head over there before the kitchen. As you slip them on, you grab your glass of wine and sip it in a felicitous manner.

You daintily skip over to the kitchen as you recall the past hour and you are cheeky and find yourself blushing. As you open the fridge, you spot the cheese and grab the bag and open it up to sneak a little piece. You hear the front door open and the ring that alerts when it does. You quizzically think to yourself why that occurred and you closed the fridge door to see a woman standing in front of you holding a manila folder.

Your mouth stuffed with cheese you almost choke. She looks you up and down as you are wearing panties and Keanu’s shirt.

“Um, who are you?” She demands and places her free hand on her hip.

#Keanu Reeves #keanu reeves fanfic #keanu reeves imagine #keanu reeves fanfiction #keanu reeves x reader #keanu x female reader #n*fw #smut #The City By The Bay

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spookyenemyperson-blog · 6 years

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Gerber Life Insurance?

What exactly is Gerber life. Insurance? And is it worth investing in?

Is it Ok to buy insurance for me and let other people buy the car?

It is cheap to buy me insurance, so I am just wondering if I can buy the insurance and let other people to drive the car.""

Why do I need title insurance?

I'm buying a piece of property, the lender says I have to get title insurance, why?""

Need a ballpark insurance estimate?

hello all, i dont actually HAVE this car, but i plan on having it soon here (within the next 6 months) and was just wondering if someone could give me their best ballpark estimate 18 year old male Lives with parents still No Traffic Violations ; 1 small fender bender about 3 months after i got my license (if that matters) 2002 Ford Explorer XLS 4x4 I have taken Drivers Ed Single (well, not married anyway) please and thanks""

Do I have to include my husband on my auto insurance policy?

Without him on it, my monthly bill would only be $44. With him on it, it's $135. Do I legally have to include him on the policy?""

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""I am a nursing student in California, where could I get a professional liability insurance in the amount of..?""

$1, 000, 000 per occurence/$3, 000, 000/aggregate. Please give me their internet sites so I could read on.""

What would insurance cost on a 1987 Firebird for a 16 year old?

My family has 2 cars. One is a 1994 Ford Escort. Another is a 1999 Honda Passport. My insurance company is State Farm. I'm a 16 year old male. If my mom is the primary driver on a 1987 Firebird, I'm the primary driver on the 1994 Ford Escort, and my dad is the primary driver on the 1999 Honda Passport, how much would it cost? I guess State Farm requires me to be fully insured on all 3 cars, but if there is only liability on the Firebird and the Escort, could I maybe get insurance for $1,600/year? I have 1 ticket to my name (no turn on red), but i'm going to court in like 2 weeks to get that taken care of. I've been driving since April. Thanks.""

Is insurance higher on a bmw then other cars? Even if it's a old sedan bmw?

Looking for a used car. Found a 2000 bmw 325i. Dads FREAKING OUT saying the insurance on it would be way higher then other cars because it's a luxary sports car even tho it's old as dirt. and doesn't go fast AT ALL.

""Do You have To pay A Brokers Fee, When They Find U Car Insurance?""

I know some one who payed a huge brokers fee, when they found car insurance for her. Are all broker fee expensive. (finders fees).""

How to convince parents to let me have auto insurance?

I've had my license for a little over three months now. However, I have no insurance, and therefore cannot drive (in California). Their reasoning is that I am an unsafe driver which I disagree with because I quite easily passed my driving test at the DMV and always think before I do anything when I drive. However, they seem firm on their decision... It's a bit frustrating having my license for so long but still being unable to drive. I'm tired of having to always ask friends for a ride or my parents; I just want a taste of independence. Of course, I'm not trying to be too arrogant or stubborn, I've respected my parent's decision, it's just bugging me a bit now haha. I offered to do a six-month plan instead of a year plan since I'm heading off to college in Septemberish. I'm about to turn 18 in a couple weeks also. Does anyone have any advice?""

""How much a month is the average homeowners insurance payment on a 100,000 home?

Thanks

Whats health insurance?? :O?

i need an MRI but we dont have health insurance so its going to be a while before we can get all the money. whats health insurance do? how much is it?

About car insurance in virginia?

what car insurance company responsible for, what is the limit of policy, whats the liability?""

Does my mom need to add me to her car insurance?

So, I never got my permit. I have been waiting to turn 18. In the state of Florida. I do not need a permit 18 or over. My thing is . Her car insurance won't let me be on her insurance without a drivers permit or licence. I'm stuck now. I was wondering will the dmv require me to be on her insurance in order to take the drivers test ?""

How about Universal Auto insurance?

Universal Dental, universal home insurance, universal life insurance, universal pet medical insurance, universal flood insurance, universal renters insurance. Wouldn't it be a good idea to have the government provide all insurance to everybody? There couldn't be problems with that right? ( please note heavy sarcasm )""

Which company has the lowest price on car insurance for teenagers in Mississippi?

car insurance

Can I go on my boyfriends health insurance florida?

I am living with my boyfriend for a year can I go on his health insurance

I am single. Do I need life insurance?

I am a 40 year old guy in good health. I have health insurance. Do I need life insurance or some other kind of insurance?

""What is third party car insurance? Can I, with no insurance, drive someone else's car, if they have insurance?""

So heres the deal. I don't have car insurance, my friend does. He seems to think that because he has third party insurance , I am able to drive his cause because the third party insurance will cover me in case of an accident. I don't think he's correct but, I'm not entirely sure how it works. So, what is third party insurance? Can I, with no insurance, drive someones else's car, if they have insurance? If they have third party insurance? Is there anything at all, in any kind of insurance that would allow me to drive his car, without me having insurance - even though he has inurance? So I've said the same question 10 times but...can someone who is uninsured drive someones car, if the owner of that car is insured?""

What is the average homeowners insurance cost in CT for older homes?

Just got quoted an annual premium of $2300(!!) for homeowners insurance in a rural CT town (ISO rated 9/10) for a 300ish year old home in the 250-300k range. That seems exorbitantly high. What are others paying in CT for similar old homes in these quaint new england towns?

Any way to decrease my 4K quote to insure a 1.0L VW Polo?

I'm looking into buying my first car (17 year old driver), I have not passed my test yet but I'm looking to get a car to practise in. I found the car I wanted to buy, a 1.0L (999cc) 400 R Reg (1998) VW Polo, so practically the smallest engine money can buy. I needed to see how much it would cost to insure before and after I pass my test. It was 1200 a year on my provisional which is the sort of price I would expect but over 4000 when I set it to having passed my test. This is using go compare.com. Why is that so much money? I understand young drivers are high risk, but surely over 4000 a year for fully comp doesnt sound right.""

Car insurance estimate dispute?

I recently was bumped into in my parking lot and am trying to settle with their insurance company for how much the repair fee would be. I took it to one place and it was around $2100 with damage to both the front and back door (they said the front door would need to be replaced). I spoke with their insurance company and they said I needed to take it to their place to have an estimate. I took it to their place, and the guy asks me if I was going to have it repaired their or somewhere else. I told him I would get it repaired somewhere else, which meant I would get a check he told me. He inspected it and told me that there was a 50-50 chance it would need to be replaced on the front door so his estimate was only for $1300. He said if I go get it fixed and they say it is more, that their insurance will pay the difference. This sounded to me like they are trying to say if you want the cash you only get $1300. What should I do? Should I try to negotiate with their insurance company for the difference or get more estimates that say I would need the new door? I would like the check, but I feel like I am getting ripped off since it would take more to actually fix it more than likely.""

I bought a car with no tax road and no mot and no insurance.?

hi there. iam one of the unlucky driver in london , i have bought car from acution few days a ago and i was driving it from biritsh car acution to garage where my mechanic can have look at it. i was in my way to garage and some one carshed in my car, police where there and i asked for my info and i give it to them, i have said everything as i am saying it to u guys. i just bought car didnt have time for insurance and mot and tax road im in my way to mot station where i can get one, and they toke my info and drive off. as i have been moved from my perviuos address i didnt got any letter from them which i meant to be in court, now i have other letter which shows i have to be in court by 27 march, i just wana know, what will happen and im i gona get any points and how much fine?? is there any prison for it ,, please help me is so important ,this matter is playing with my life at the moment ?""

Why is Geico auto insurance so cheap?

I just got my Allstate bill in the mail and my insurance went up to $100/month. So, i called them, told them to screw off and called Geico. They told me because of my perfect credit, perfect driving record, etc...that it would only be $48/month. I obviously switched and asked them how they could be so cheap. She said it was mostly b/c they don't have agents. Is this just too good to be true?""

Camaro Vs. Mustang which is cheaper?

Camaro vs. Mustang which is affortable? Would a 2012 Camaro Coupe more affortable than a Mustang 2012 Mustang. By affortable i mean like insurances/ gas/ and all that other stuffs. Which one is cheaper in total to own? TY

How do Doctors get paid by insurance company?

When does a car insurance policy pull your driving record?

If you have a car insurance policy that renews on a specific date, when does the insurance company actually pull your driving record? I heard they pull it once annually. Does it make sense to delay a speeding ticket court date until after the insurance renewal date? The insurance company in question is Amica.""

What is the best insurance company!?

what is the best insurance company for me for my area.

How much would car insurance cost on a 2011 Eclipse GS Coupe if im 18 with better than a 3.0GPA in college?

I want to know how much would it cost me for car insurance on a 2011 Eclipse GS Coupe if i'm 18 with better than a 3.0 GPA in college and if it would cost me more just because its a Coupe?

""When you get married, how do you get off of your parent's insurance, etc?""

My dad still has me declared as a dependant, and my car insurance and health insurance is on his. When I get married will these automatically change, or do I have to notify the insurance companies and tax people?""

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""Claiming to have gotten my license at 16 years of age, for cheaper car insurance?""

I found out when getting a car insurance quote, that if you claim to have gotten your license at 16, it will lower your quote, and you can pay it right there online...my question is, will the company look for the issue date on your license? if they do, will they adjust your payments?...""

Can I be reimbursed for birth control paid for after Affordable Care Act took effect?

After paying my co pay for birth control for about a year, I finally asked my pharmacist what he knew about the Affordable Care Act. He ran my insurance and found out that I was eligible for free birth control. Is there any way for me to be reimbursed for the birth control that I paid for after the Affordable Care Act became effective?""

Cure auto insurance online?

I need insurance now! I have completed my form on cure auto insurance and I'm now on the last page to agreeing to the power of attorney and agreement to conduct business electronically and it saying over and over again that I must scroll and read it. But I have! Why won't it let me agree?

How much is the cost of delivering a baby in california without insurance?

Hi, i'm from the philippines, and I'm planning to give birth in california specifically in san francisco or los angeles where I have relatives. I wish to pay in cash but I would like to know how much discount I can get for a normal delivery or c-section. I hope you can provide me with organizations as well as their contact numbers that can guide me throughout the process within those area. Thank you so much.""

Which Car insurance would i preferred?

I want best insurance on my car, there are many types of insurance, which insurance is good for me, can you suggest me.""

""I will be under my parent's health insurance effective Jan 1, 2011 - will my baby be covered?""

my baby is due April 26, 2011. Will he be eligible to be under my parents policy with me or will I need different coverage? If so, any suggestions? I live in California.""

How much on average is just standard car insurance monthly?

How Much Is Car Insurance? Please Help?

Ok See im 16 and i have a 1990 Pontiac Firebird and I have a Junior License Year: 1990 Make: Pontiac Model: Firebird Trim: Engine: 6-Cylinder V-6 Trans: Auto Fuel: Gasoline Color: Black Interior: Grey Miles: 170000

Where to buy cheap auto insurance?

Im 19 years old and I have had my license for about a year. I have no speeding tickets and have never been in a wreck. My driving record is picture perfect. I have been driving my moms car and she has had me under her insurance so it was really cheap. But Im getting ready to buy an 06' Chevy Colbat and where I am buying it off a car lot, she cant afford to put me under her name on insurance, becuase I will have to get full coverage as where as before I had liability. Is there a place in WV or somewhere online that offers reasonable prices on full coverage insurance for someone of my age. My mom is telling me my insurance is going to be about as much as my car payment. Is there any way to get it lower? I need a cheap place for insurance! Thnks.""

What is an affordable life insurance for a cigarette smoker?

Cheap Car Insurance for Hobby Vehicle?

Hi, i've just completed a rally across europe, and i've fallen in love with one of the cars on it. Only thing is its not something i can afford to drive everyday, so i'm looking at getting the car (Vauxhall Calibra) and keeping it at home and just using it for shows and maybe a few drives in the country. Does anyone know of a cheap insurance company. Details are: Young Driver, 20, Student Limited millage (1500-2000 miles absolute tops) Vauxhall Calibra 2.0 16v I don't want it to go boy racing, just to look after and give me something to do!! My mate mentioned a insurance company in Ireland which gave him a quote on a Impreza turbo for like 700 (same age as me), but i can't remember the name of it. Only that its in ireland! Any help is really appreciated""

Where to get Motor Trade insurance?

I'm 23 years old and I live in Bradford so getting a quote is near impossible. I've called a lot of Motor Trade insurance companies but none have been able to quote me either due to me being under 25 or because I live in Bradford. Do you guys know any companies I can try?

Cost of insurance for a Landrover Freelander 1.8i for new driver?

I am 36 & thinking of buying a freelander 1.8i 3 dr for when I pass my test & I just want to know how to find out the cost of insurance without contacting any insurance company.

Does anyone know if the 5 hour turbine transition for helicopters is a reg or just an insurance minimum?

I can't find anything in the FAR's that mentions anything about having to do a 5 hour turbine transition when going from flying piston helicopters to turbines (as long as no type rating is required). Is it just an insurance minimum?

Suggestions on where to purchase good health insurance?

My husband and I are looking to purchase health insurance. We are young (under 25), healthy (non-smokers) and looking for coverage mainly for doctor's office visits and prescriptions. Can anyone recommend a good website or insurance company that we can look at to choose a plan? We live in Michigan if that makes a difference too.""

Affordable health insurance?

What are some affordable Health Insurance Options in NYC for Latin American father and his child to be? My friend doesn't have health insurance and is planning on putting his new baby (born around Oct.) on his policy with him. He's Latin American and has his permanent residence card, but is not yet a citizen. Anyone know of any affordable plans for him to look into in the Manhattan area?""

""21st Century, mainly for the reduced rates with the same as other carriers?""

21st Century Insurance Company is a quality, affordable carrier for automobile ... At 21st Century Insurance Company, we understand how complicated buying auto insurance can be....I'm thinking of switching my auto insurance from GEICO to 21st Century, mainly for the reduced rates with the same coverage. Anyone has any experience with ...for a quote go to http://www.quoteinsuranceauto.com""

Car insurance for young drivers?

hey im trying to get car insurance im 18 and i passed my driving test a year ago im currently sharing my dads vauxhaull insignia with him but i really want a car of my own to go out and about and go back and for to work does anyone know any good car insurance company's which are within reasonable prices ? all the quotes ive got are like 5000-8000 its ridiculous and this is with cars with low insurance groups its more than the car costs! also ive tryed these company's with trackers fitted to your cars but they say you need to be home by a certain time and leave a certain time which is no good because i leave at 6:00am in morning for work please help!!

I got a ticket for expired insurance in california....?

And i recently got car insurance so I went to court today and showed them and they said since i had no car insurance at the time of the ticket i have to pay nearly 400 dollars! so i got a 2 month extension to pay the ticket, is there anything i can do to reduce the ticket amount? or what will be the best thing to do? thanks a lot i really appreciate it!""

Car insurance for a 21 year old?

My friend has been quoted 1200 per year for car insurance and his 21. Is this alot? How can he get it cheaper and thats for an old banger!

""Non owner SR22 insurance for TEXAS, what is a cheap website?

I don't own a car so I don't know what to do... Help! Thanks

What is family floater plan health insurance?

i want to know about family floater plan health insurance

All options for affordable birth control of any kind?

Here's my problem. My dads insurance company (I'm a student, and did qualify for insurance last year through my job so he kept me on his since I'm 19) doesn't cover ...show more""

Car Insurance Renewal?

I currently have a 8 years no claims bonus and I am due to renew my car insurance at the end of this month. The quote is 520. However as the current value of my car is about 900-1000 and I only do about 3000 miles a year, I dont think its worth insuring this car for this year and plan to get rid of it. I plan to get a newer car next year or the year after. If I dont renew my car insurance this year and say there was a gap of 1 year or 2 between renewals, would I lose all of the benefit of my 8 years no claims? Would i have to start from 0 years no claims again? Any body help? Cheers!""

Insurance company law help!?

My old insurance company is trying to take me to court. My problem where i need to ask people who know some law is... Can an insurance company up the payment without consent? In my case:- 800 up to 2000+ From (UK provisional license) to (UK Full) Thank you in advanced!

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Car insurance cost and car's cost?

I'm 28 years old and I'm girl. I would like to buy a smart. First: Do you know approximately the cost for insurance car (this is my first time). Second: What are the other annual car's cost? and how much approximately they are? Thanks.

What is the best health insurance for me?

I'm a 21 year old male. I think I need to get some health insurance. I want to pay the least amount that I can per month or least amount per visit or both any input is great thank you :)

Second car insurance?

If I had a leased car with full coverage ($20,000 car), how much more would it cost each month to have liability insurance on another car. How much would each cost separately? (assuming 25 years old, good record, one driver would drive both cars).""

How much value does insurance comp. knock off when car has been damaged repaired?

i buyed a car that had previousally been in an accident and been repaired, i was not aware of this, and recently my car was stolen and the insurance company have said that they will reduce the value of the car and i wanted to know how much they will reduce it by and if i can do something to get a better value.? thankyou in advance.""

What to do when you have no health insurance?

I dont understand what to do if I'm sick or hurt and I dont have health insurance. The government wont help me, my community has meidcal assistance available to pregnant women, low income families with minor children and those who are aged, blind or disabled residing in the community or in a nursing home. And I dont qualify for any of these, I'm only 21, I'm not pregnant, and I dont have children. -how come help is given to people that are less responsible, but the people that try to do right dont get help at all? I cant afford health insurance, I dont qualify for government help, and I cant afford to go the hospital outright and get charged thousands of dollars that I will never be able to pay!""

Uninspected car covered by insurance in MA?

I've been driving my car uninspected for a while now because I haven't had the money (or the time to fix it on my own) and I know it will fail inspection. Does anybody know if my car would be covered by insurance anyways. (I have USAA)

Can car insurance companies commit an offence? IN10?

My car insurance company (One Call) recently cancelled my policy due to them not receiving my proof of no claims in time (that's another issue). However, they failed to notify me in time and I carried on driving my car for 5 days un insured, until the letter arrived (policy cancelled on 10/9/12 and letter sent 14/9/12). Does anyone know if they have committed an offence, IN10 or other? They also charged me 205 cancellation (even though an extension on the proof of no claims was agreed and then later denied when I questioned them) Any advice is very welcome. Thanks.""

Any place in CA that has cheap health insurance?

Please this is important. I need to know if any company sells cheap health insurance under $100 because my insurance got canceled because I'm not a full time student in college. I tried to apply right away but classes filled up really fast. And plus my ID expired and I was gonna get my drivers license before this all happened and I don't wanna pay $30 for both an ID and drivers license. My parents are gonna force me to get Tri Care insurance ($200 a month) if I don't find a cheaper company right away. And I don't wanna pay that much. Please help me, I'm so stressed out I'm having thoughts of suicide! I wish this never happened but I didn't know about this insurance thing/policy about full time classes until now. I'm so... stressed. Please help me out! Plus if you tell me about the company what do you have to lose? In fact it's helping you out! Thanks.""

Farmers Market Liability Insurance?

My girl friend and I are starting a new company that would sell smoothies and baked goods at Californias farmers market and it is our understanding that we need 100,00.00 liability insurance coverage to get into most markets. My question is how much on average do people pay for this and would the cost be different if we were to go under the cottage food act? Any information or suggestions would be appreciated. Thanks""

Do you have double health insurance coverage?

My wife is starting a new job and she is already on my insurance. We are thinking of having her on two insurance plans (Blue Shield HMO and Blue Cross PPO). We want to do this because we get so many medical bills, despite already having insurance. Will the secondary coverage cover a lot of those? How does that work?""

How much will a long lapse in my car insurance coverage cost me (on average) when I try to get inusrance again

And by long I mean between 6-12 months.

""In Las Vegas, do you have to have car insurance in order to drive? Is it required.?

Do you have to have car insurance to have a license?

Auto Insurance/Roadside Service. Is Roadguard Auto Club a scam?

I have Robert Moreno Insurance Services via my broker Adrianas Insurance. I googled Roadguard Auto Club, and cant find it. I dont think its a real company. The roadside assistance is $42 and its not mandatory. Their California Motor Club License is #3427-2.""

How can i get health insurance?

Hello I am 18yrs old and i am trying to get health insurance. I am a full time student. My mom is does not have health insurance either, Her income is really low and i dont have any income coming in.. Is there a health insurance that is right for me? Please answer""

Insured (auto) will not reply to her insurance companies repeat attempts for contact...?

Last week a minor - unlicensed male - put Escalade, his mother's vehicle, in reverse and ran into the front of my stopped Toyota Corolla. We happened to be in front of his mother's house so he ran inside and she and her son came out soon after. The mother gave me all of her info: insurance etc. and I went on my disgruntled way. I called her insurance company, and mine too, the same day and made a report. It has been one week and after repeated attempts to call and then sending her a letter for a reply she still has not made any contact with either insurance carrier. I did not bother with a police report because last year, when the same kind of accident happened to me, I called the police and they came and told me they did not need to take a report and that we should just contact our insurance companies. This is an accident that happened on 4-20-2010 in northern California. What are my options?""

How much would car insurance be a month for a 20 year old driving a mid nineties car?

I'm 20 years old and I've been driving since I was about 17. I currently share a car with my parents and am under their insurance. However I'm looking into getting a car ...show more

What would happen if I can't afford my car insurance?

I'm 18 and just got a car and insurance. I am set to pay on the 28th of each month, starting this month. My insurance is $236 a month and it's being taken directly from my checking account. Say by this time if I was short $20 - $30, what would happen? I know I'd get a $35 overdraft fee from my bank but what happen with the car insurance company?""

About how much does motorcycle insurance cost?

and is it more than car?...about...

""How much do i have to pay to cancel my auto insurance, if the vehicle is parked?""

My vehicle is currently parked and has parking insurance, this vehicle has been parked for over a week now, but i currently found some cheaper insurance and i would like to cancel my insurance, how much will it cost me to cancel it.""

Car Insurance?

What is the name of the car insurance I could get, that covers any one who drives my car but who is not on the policy? Thanks""

""When buying car, do i look at the fuel efficient or the insurance price of the car?

should i buy a car that will save me money on gas or buy a car that is cheap on insurance???

Seven years ago i got a speeding ticket with no proof of insurance in california.?

Then they turned it in to collections and suspended my licence. When does it get cleared?

What is the basic kind of insurance required by California Law?

What kind of insurance covers something like another driver hitting your car door, and then driving off before you could get their license plate # what is comprehensive , and what is collision, ?""

Can you get insurance for something you order online?

I'm buying a macbook pro from Pc world but will I be able to get insurance?

Which auto insurance is cheapest in new orleans?

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