Questions tagged [insurance]
The promise that something will be paid in case of loss. Used to cover important items and reduce personal risk. This tag covers how to get it, how to keep it, what kind, and why you should have it.
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Why do some travel insurances exclude country of citizenship?
It seems that it is common practice among many (but not all) travel insurance companies to exclude country(ies) whose citizenship the traveler possesses (even if the traveler does not live in his ...
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How to handle income tax for weird insurance claim scenario
About 5 years ago, a dependent attended a treatment facility in another state. All of the insurance checks were sent to me and I forward them on, since the facility was out of network. We thought this ...
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How to estimate the increase in insurance payments due to making a claim?
Suppose I have an insurance policy (specifically: for house contents), and suffer a loss that is covered by the policy. If I make a claim, I get money now, but the insurance company will probably ...
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Would renters insurance cover this scenario?
This is US based. I have renters insurance and the coverage overview is as follows:
Personal Property
Loss of Use
Personal Liability
Medical.
I have read my policy, but I do not believe the ...
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Change in health care deductible with newborn
My wife has health coverage (different from mine) through her employer. Her deductible is $1300. In May my daughter was born. Until then my wife incurred a lot of expenses and met the deductible.
...
user26326
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The formula for a decreasing annuity (discounted by an interest rate) term life insurance?
Sometime when you are getting a quote for a term life insurance, they offer you 3 options:
For a period T, and amount insured A.
Fixed (payout is always A in the entire period T)
Linear desceding (...
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School's tuition insurance charge eligible for 529 reimbursement?
My son's tuition bill includes around $100 for tuition insurance. Can I have this paid directly from the 529 account to the university, or must I pay that separately?
Articles I've read researching ...
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how do you compare a private earthquake insurance company to using CEA in California
Regarding getting earthquake insurance in California, how can I compare a private earthquake insurance company (like geovera) to using CEA (California Earthquake Authority) in California. I have ...
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Sane master insurance policy for two-unit condo association
I live in a two-unit condo building (conversion from old house) in Massachusetts, and both units are owner occupied.
Our master insurance policy for the condo reads like it is meant for a large condo ...
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Is Home Sale Legal Protection worth buying?
I'm selling my home and curious if "Home Sale Legal Protection" plans are worth purchasing. They are self described as covering the cost of lawyers for legal disputes about the information ...
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Interpreting questions on EI report when doing temporary work
There are several questions on the bi-weekly employment insurance report that are difficult to know how to answer. I often work temporary jobs, a few weeks or months at a time.
Did you start a full ...
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Should retiree take insurance from employer or should he/she take from external insurance organization?
My dad is retired bank official in India. I want to know if he should go for health insurance provided by his employer or he should go for other insurance organizations, given say the cover is exactly ...
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How do I get my insurance to treat an ambulance charge for a 5150 transfer as "in network"?
My daughter became suicidal and after taking her to our local emergency room she was placed on a 5150 and was subsequently transferred to the nearest inpatient mental health faculty. Our local ...
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If someone files a claim for short term disability for maternity leave, would future premiums be adversely affected?
If filing a claim for maternity leave does not increase the premiums required in the future, is it because the insurance company is not allowed to use the information, because it is not predictive, or ...
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Health insurance payment does not match up explanation of benefits. What's going on?
My wife and I utilized the services of a chiropractor who happened to be out of network with my insurance provider (will name in an edit if it is important). My Explanation of Benefits says that out-...
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How does my current insurance work?
Sorry for the vague title, in case location matters this is done in Europe, Austria. And all of this was handled by the same agent. I will first write down what this is about and then ask the ...
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Purchasing insurance to protect lender, in a personal family loan situation
I know that mortgage lenders generally require homeowners purchase home insurance, with a loss clause payable to the lender.
But what if it's a family loan, and the borrower is not cooperative? The ...
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What does the acquisition fee in a unit-linked insurance plan pay for?
In my experience, 100% of the premium for a Unit-Linked Insurance Plan goes to something called an acquisition fee. Different insurance sellers appear to explain it differently:
The least ...
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FHA loan just commenced : Any way to get any of the up-front mortgage insurance back?
Background : I ended up in a nasty situation where my FHA lender had over 7 weeks to prepare, and through indolence, was going to miss closing. Lender became very unresponsive - multiple multi-day ...
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Apartment owner is listed as Additional Insured on renter's insurance policy
I have concerns about liability protection with my current renter's insurance policy in the US in the state of Texas. I would like to understand if there is anything more I can do or push on my ...
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Insurance Liability for a recently registered Ontario corporation
I just registered a corporation in Ontario, and I'm about to get a contract from USA as a Programmer. I applied for a general liability insurance online in many sites, but they keep rejecting it ...
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Hedging Costly And Unlikely Events With More Than Conventional Insurance
The selling proposition of something like an inflation-adjusted annuity is that the purchaser trades uncertainty for certainty. Even though some simple calculations will show that fixed and regular ...
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Disability Insurance - Limitation While Outside the United States or Canada
One thing that's very important to me about DI is that it doesn't restrict its coverage area to just within US & CA. Since I will have the policy for 20 years, given the current trend of ...
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New mortgage co reversing claim decision by old mortgage co
I had a claim in March of last year due to hail/storm damage. The claim was paid by insurance to me and mortgage co. Then the mortgage co sent all the payments due, out to me in my name and the ...
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car insurance claim, police report, minor damage and carfax
I parked my brand-new car on the street at night and woke up next morning to find out that someone, perhaps on the bike has hit it and the side mirror cover is off. The small dent on the side of the ...
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Insurance CoInsurance company discloses financial claim information to the doctor office without consent, resulting in debt harassment
My Mother's insurance requires her to pay all doctor office fees upfront and then file an individual claim for reimbursement. Is it illegal for an insurance company to disclose financial claim ...
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I am being offered whole life insurance with a savings account. Should I take it?
I am being offered a savings account with a Whole life Insurance policy. I believe it is 100,000 policy for $30 a month. However, half of this goes to a savings account with a 4% "compound interest."...
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Depositing an insurance check made out to a foreign ltd into a personal US account
I own a boat which is registered in the BVI's in an Ltd. name. There is no business and thus no bank account for it. I am a U.S. citizen with a regular U.S. bank account. I incurred boat damage and am ...
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