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Automobile Insurance Agency Is This Fraudulently Based Activity?

Question by MIT slags | Posted in Financial Services

California Automobile Assigned Risk Plan ? Automobile insurance agency Is this fraudulently based activity?
The DMV qualified me for the California Automobile Assigned Risk Plan (a low cost automobile policy for poverty level income licensed drivers with a good driving record. I called an agency off of the DMVs list , they said yes we offer this policy.The agency checked my license/DMV record. I thought I signed an application for the Assigned risk policy. I was told by the agency that they could not offer it to me at this time. I asked why, they explained that they are using a different point system than the DMV to qualify applicants. They said they'd look into it & re-emburse me,

Answer: I do not think that it is a fraudulent activity !!
California’s Compulsory Financial Responsibility Law requires every driver and owner of a motor vehicle to be financially responsible for their actions.
Please visit http://www.cnicnet.com/ for full details
 
 

Do You Need Any Kind Of Special Automobile Insurance When Crossing The Border From The U.S. To Canada?

Question by kymberlee12276 | Posted in Other - Canada

I was told you have to have an "attachment insurance" on your car insurance policy in order to cross the border......can someone plz let me know? I am planning a trip the beginning of June from Ohio, and would hate to drive that far and not be able to cross. Thanks in advance to all.

Answer: Ask your insurance company, they are the only ones who can tell you for sure, but usually car insurance is good for Canada and the US if you are insured in either country. Car insurance is mandatory in all Canadian provinces so you won't get in an accident with an uninsured driver unless you're unfortunate enough to come across some idiot who is driving illegally.

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Can My Health Plan Subrogate Against Me?

Question by Kevin L | Posted in Insurance

I was in a solo automobile accident and taken to the hospital. My health insurance plan covered this. Now I've received a letter from a subrogation company stating they are going to pursue recovery of this cost. This doesn't quite make sense to me since they would be going after "me" on behalf of "me". Will I end up having to pay my plan back for my hospital bill?
Medical payments on my automobile policy have already been depleted.

Answer: Absolutely - they are actually subrogating under your AUTO POLICY, looking for coverage there. In some states, health insurance policies don't COVER auto related injuries - you have to collect under auto med pay. If that's the case for your state, they CAN recover from you, even if you don't have med pay (or not enough med pay).

In ANY case, you can't submit a claim to your health insurer AND your auto insurer, and get paid for both. That's called "double dipping".

You need to call your auto agent, and ask about your injuries, and how your auto policy applies.

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Automobile Insurance For Personal Care Attendants?

Question by lin4 | Posted in Insurance

I recently bought a new car. While I was in the process of dealing with the insurance company they asked me about my job. I said that I was a personal care attendant for twin boys who had cerebral palsy. They asked if the car would be used for work or only for pleasure. I said that I would use it to drive to work and occasionally to transport the boys to their appointments. The insurance agent said that it was absolutely unacceptable to drive the boys for my job. I said that it's part of the job description and asked what she expected me to do. She didn't have any answers and just said that no company would cover me to drive around the boys as part of my job. Does anyone have any suggestions

Answer: If you are driving people around as part of your job, you need a COMMERCIAL auto insurance policy. You can't do this, on a personal insurance policy, and be covered. Although you can buy a commercial auto policy, it's going to START at $5,000 a year - pretty pricey.


The BEST way around this, is for the parent to provide the auto that drives their kids around.

MOST personal care attendants don't realize they're driving uninsured, until after the accident.

Consequences of driving these kids without proper insurance? You could be paying off a lawsuit for damages, for the rest of your life.

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Do Group Health Insurance Plans Provide For Covering Costs Of Auto Personal Injury After Auto Ins PIP Pays Out?

Question by Safety Ian | Posted in Injuries

Do group health insurance plans typically cover balances remaining for treatment related to automobile accidents after auto insurance personal injury protection has paid its maximum benefit?

Answer: Usually not. You may have to sue the person that caused to accident.

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(Auto Insurance Plan) How To Find CHEAPER Car Insurance

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Each time I had called to give them my information I was left disappointed because of the high automobile insurance plan rates they ended up giving me. I knew that I did not deserve to be getting the high automobile insurance plan rates because my... I even tried going through my Yellow Pages phonebook to call each and every single auto insurance company in my area for the best automobile insurance plan rates. I decided to go through a local agent in my area for a reasonable  automobile insurance plan. That’s when I realize that I’ll never really be able to get low automobile insurance plan quote by going through an agent....

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