i****a
发帖数: 36252 | 1 companies I've bought insurance from need owner to be the primary person
on the policy.
maybe it's a state law thing. call a few insurance companies and ask
insurance |
|
l**********t
发帖数: 5754 | 2 How much is a reason premium for GAP insurance and where can I get it?
Honda offers a 3.14% finance rate including GAP insurance. Is this a good
rate? The alternative is 2.89% from BoA -- anyone financed from BoA? Does it
have pre-payment penalty or including GAP insurance?
Thanks. |
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k*********l
发帖数: 1218 | 3 车祸，对方全责，我的车全报废，对方的insurance公司陪款额和我自己查的kkb的
retail price差了2000，insurance公司坚持他们的valuation，他们自己有个
valuation公司，然后找了2个comparable car的value，我现在准备上small count
请问这个赢的几率大吗? 我是sue insurance公司，还是sue对方的driver？
多谢 |
|
J*******n
发帖数: 2901 | 4 去年1月份买的车，在Michigan，dealer直接帮我联系了一个她的朋友，AAA的agent，
立马帮我弄了个保险，我当时P都
不懂，直接签字，连declaration page都没拿到过。之后一直没疑问，主要是觉得价格
靠谱，每个月110
现在一年过去了，搬到了New Jersey，要换保险，做了几家的quote，都很高，全保一
个月230左右，半保差不多120多。
其中有一家公司要我提供之前保险的declaration page，于是我就打Michigan agent电
话，打不通，然后找了AAA的客服
给我发了过来。
发现那个agent帮我qualify了很多个promotion／discount
1、一个experience discount，帮我写了8 years Licensed，其实我当时刚拿到驾照半年
2、piror insurance status discount，那次是我第一次保险
3、prior insurance carrier discount，同上，之前没车没保险
4、一个American Express card holder的discount，我那... 阅读全帖 |
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n*****s
发帖数: 64 | 5 want to save money by switching from my current insurance company to other
insurance company. two options:
(1) a big national company, save ~$200/6month;
(2) a small local independent insurance agent with numerous carriers, can
save ~300/6month.
Coverage is the same, full coverage with $500 deductible.
which one to choose if also considering the easiness to make claims,
business strength and financial stability, etc.? |
|
b******e
发帖数: 1074 | 6 【 以下文字转载自 Michigan 讨论区 】
发信人: bellevie (cannondale, longing for JEM trail), 信区: Michigan
标 题: Michigan auto insurance question
发信站: BBS 未名空间站 (Mon May 9 15:15:51 2011, 美东)
auto insurance is so different here than other states. Just learnt need
collision to protect my car no matter whose fault. Does everybody here pay
over thousand dollar a year for insurance per car?
really curious... |
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l*x
发帖数: 14021 | 7 First of all, I strongly recommend you not doing it. It is wrong, and not
worth it.
Second of all, I don't think your fake driving experience in China could
lower your premium. If the insurance companies can't verify it, it usually
doesn't make much of a difference. They are not stupid. Remember you came to
the states 4 years ago, and you got your driver license in China at the
same time? How much driving could you possibly have done in China?
Are you sure you are paying $200 just for a month, a... 阅读全帖 |
|
j***y
发帖数: 882 | 8 【 以下文字转载自 Travel 讨论区 】
发信人: jelty (TT is refreshing), 信区: Travel
标 题: medium term liability insurance for car rental
发信站: BBS 未名空间站 (Thu Jun 23 00:37:10 2011, 美东)
I have to rent a car for 2 weeks in Aug and 3 weeks in Sep.
I don't own a car or long-term car insurance.
what's the best way to buy liability insurance for such 2-3 week car rental ?
I know those car rental companies sell liability for $12-18 per day, a
little
expensive.
Any suggestions?
thx |
|
h**********1
发帖数: 92 | 9 这个是cover health insurance不够的。比如health insurance只cover 85%的费用。
剩下的15%可以由这个medical payment cover.
朋友做尼车出了事，即使他没有健康保险，也可以用你的liability付。这个medical
payment最主要的用在driver上面，因为driver只有health insurance往往不够。 |
|
c*********r
发帖数: 77 | 10 虽然肯定最先考虑的是自己的利益，但也不该靠耍赖撒谎，完全牺牲别人的利益，只考
虑自己的利益吧，那也太自私，缺德了。
我们也为他考虑了，所以看了那么多家body shop，想给他个reasonable price。也没
想要去修最贵的，而且只让他出500元，如果我们不想找最便宜的，自己还要出些钱呢
，没想到他贪心得想全部赖掉。
可见做人不能太老实了，不能轻信别人。美国人电影里总宣传他们的价值观，其中很重
要的就是honest,在学校里应该也是这样教孩子的，但insurance卡片上what to do at
the time fo an accident,头一条就是do not admit fault，这当然是insurance公司
为了保障公司的利益，少赔钱或不赔钱而出的主意。难怪老美自己都说：很多美国人在
insurance上都会撒谎呢！
了， |
|
c*********r
发帖数: 77 | 11 谢谢！我们准备给保险公司打电话了。我们的确有太多不清楚的地方，所以才上来请教
大家。我没有一直看着，因为只是调个小角度，就要往前开了，他撞到我车时，我已经
踩了刹车，停住了，正准备换D档，那应该全是他的责任吧？以前有一次在停车场，我
们先倒出来，一直看着后面，发现有辆车冲我们倒出来，赶快停住按喇叭，还没得及换
D档往前开回去，对方已经撞上来了，结果也是死不认错，还说是我们的错。但因为双
方速度都慢，车尾有点儿轻微划痕，也就没报insurance。如果报了，对方耍赖，也还
是一人一半的责任吧。按照他这次的速度，很可能我看到也来不及躲开了。
听朋友说，他们车被人撞了，是对方的责任，所以他们只要了对方的insurance信息，
没把自己的给对方。我觉得是他的责任，加上他耍赖撒谎，所以不想给他我们的
insurance,知道他根据姓名电话可以查到我们的保险信息，只是不想让这个家伙太痛快
了。 |
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b******i
发帖数: 4776 | 12 how much do u pay for insurance? if it's under $1000/ year, it's worth to
report to the insurance company, even if it is equal fault.
how much does ur car worth? if it's under $10,000, it's also worth to report
to insurance company, since ur resale value will not be much even if it has
no accident record. |
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x**********e
发帖数: 613 | 13 去agent买insurance和自己打电话去insurance公司买有什么区别? |
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s3
发帖数: 2270 | 14 六月份去Denver在Alamo租了两周的车，中间正好赶上一次冰雹，
还车的时候被告知车被雹子砸了，需要修理，具体数额需要进一步评估。
因为有AMEX的premium car－rental insurance，也不太担心
直接file了claim，然后不管了。
大概9月份的时候收到Alamo的账单，修理费加管理费以及loss of use等
乱七八糟的加在一起4600多。当时就觉得租车公司太黑，还好有AMEX的
保险，也不用怎么操心。
11月份收到AMEX的最终赔偿清单，赔了3900多，还剩下700多的样子，
说是loss of use的300多需要utilization log才能赔付，剩下的
administration fee什么的他们不管。比较郁闷，暂时放在一边。
11月底收到Alamo的来信，要那700多块钱，没办法给AMEX打电话，
告知可以自己跟Alamo协商。于是打电话给Alamo，对方出奇的好
说话。我说300多块钱的loss of use需要保险公司陪，所以我不
管，他说即使我给你waive掉这部分，那你还要赔付剩下的三百多啊。
我抱怨了一下没钱什么的，他就问你能陪... 阅读全帖 |
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T******s
发帖数: 1107 | 15 这个insurance还是比较靠谱的。我在discount tires那买了一套4只tires装上的同时
并没有买lz说的那个保险。觉得自己小心点开就好了。但没想到有天在freeway上flat
了一只。后面把车开回店里计划补胎的时候小二说这个胎没法补，只能换新的，新的原
价是143.....他接着推荐说我其实可以花个100刀（具体金额已经不记得了）补买个
insurance，然后这个insurance不但会cover这次换胎的费用而且还会cover全部4条
tire5年。结果我就只花了100多刀把这次问题全解决了。非常划算的说。 |
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k***x
发帖数: 6799 | 16 【 以下文字转载自 Money 讨论区 】
发信人: aymy (哎哟妈呀), 信区: Money
标 题: 提醒：不要忘了买umbrella insurance
发信站: BBS 未名空间站 (Sat Feb 25 18:06:51 2012, 美东)
http://en.wikipedia.org/wiki/Umbrella_insurance
Umbrella insurance refers to a liability insurance policy that protects the
assets and future income of the policyholder above and beyond the standard
limits on their primary policies.
发信人: goldencs (Little Patato), 信区: Faculty
标 题: 一声叹息
发信站: BBS 未名空间站 (Fri Feb 24 13:42:53 2012, 美东)
我以前待过的学校文科某副教授，当年刚拿到tenure。老婆没有在美国读过书，... 阅读全帖 |
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s*****y
发帖数: 16 | 17 昨天下午的accident. 是two lane的路, 我要左转进apartment,因为另一条lane有车过
来,我就stop了. 然后后面 一个jeep 就冲了过来. ><
我的车基本是total了.
对方的insurance company (state farm)提供rental car. 但是说他们不负责rental
car的insurance.这是正常的吗?
第一次出这么大的accident. 先谢谢了. |
|
S**P
发帖数: 835 | 18 【 以下文字转载自 Living 讨论区 】
发信人: SDTP (Hobby), 信区: Living
标 题: Auto Umbrella Insurance
发信站: BBS 未名空间站 (Sun Aug 12 16:29:17 2012, 美东)
我车的保险是GEICO,最近与它家联系了一下UMBRELLA INSURANCE的RATE, 它家说要$200
-300 ($1MILLIOON UMBRELLA)一年,另外要将AUTO的那些保额加满.
请问这个QUOTE怎么样? UMBRELLA通常一年要多少钱? GEICO说着个UMBRELLA还COVER你
HOUSE LIABILITY 超出HOUSE INSURANCE COVER的那一部分(假如有人在你家里受伤要
SUIT你)
谢谢 |
|
b****n
发帖数: 3343 | 19 If you already have auto insurance that covers your existing car, don't
worry. Usually the policy will also cover the new car as long as you notify
the insurance company within 30-day window(after the purchase of new car).
Check your auto insurance policy to make sure.
In this case, there is no need to 把保险提前买好. |
|
M**X
发帖数: 3014 | 20 请问我跟我爸一起在Allstate 买2部车 Insurance,
在寄来那些单里面Driver listed 有我的名字,但是那个Insurance card(小卡放在车,
钱包)没有我的名字，这样如果有什么事Insurance会不会不保我呢?谢谢 |
|
r***r
发帖数: 414 | 21
What you said is not accurate. No agents would beat each other's insurance
premiums. Insurance premium is determined by formula developed by actuaries
and approved by state governments. Underwriters or agents have no right to
change it (if they dont want to be sued by the state government). All they
can do is to take your information and plug in the formula.
esurance is an insurance company owned by Allstate. |
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s***n
发帖数: 268 | 22 蹭了别人的车，本来想私了。让对方先去估个价，然后看是不是就不走insurance
company了。结果对方直接报告给了她的insurance company，这样是不是无论是我出钱
修车还是我的insurance出就没区别了？ |
|
a****t
发帖数: 720 | 23 最近车祸之后，才知道NJ的车祸，即便受寒者，medical部分也只走自己的auto，不够
再走自己的health，只有property才直接走对方的auto insurance。
看起来我自己current的insurance coverage不是很合理，请大家指教，看看那些limit
还需要升，或者其他的option。目前，我自己的health insurance比较好。谢谢
Bodily Injury Liability
Current Limit: $100,000/$300,000
Property Damage Liability
Current Limit: $50,000
Personal Injury Protection Primary
Current Limit: OPTION A $15,000/$250 Ded
Uninsured Motorist & Underinsured Motorist
Current Limit: $100,000/$200,000
Uninsured Motorist & Underinsured Motorist PD
Curre... 阅读全帖 |
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c*****a
发帖数: 8464 | 24 在giant的parking lot直行的时候被一个倒车的撞了，还好只有一些scratches，没有
其他问题，对方很干脆的给我insurance info，让我联系她insurance，这种claim会在
我的车的carfax上留下记录么，过一阵子会卖车，不想影响resell value，呵呵。 还
有这个保险公司会赔多少，要是就给个200,300块，不如找个body shop自己修下算了，
免得上carfax，我的车是2009的touareg，4w5 mile，对方insurance是USAA的。 |
|
l*****9
发帖数: 9501 | 25 【 以下文字转载自 USANews 讨论区 】
发信人: lqm1989 (Jeremy Lin), 信区: USANews
标 题: 美国医保在发达国家最差，insurance is the problem
发信站: BBS 未名空间站 (Sun Dec 29 10:49:32 2013, 美东)
private insurance is not the solution to the problem of health care
private insurance IS the problem
http://www.youtube.com/watch?v=r9q1Id41wGo#t=2097 |
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I*****g
发帖数: 39 | 26 是的，走对方的insurance，你手上应该有police的report，那里有对方的insurance
company 和policy number，可以直接打的那话过去说你的保险人撞了我的车。
不过如果你联系你的insurance company，修好后，你付了deductable，对方公司也会
把那部分赔给你，只是不知道要等多久才会到你账户 |
|
b****z
发帖数: 176 | 27 暑假准备在加州租车三个月，因为希望省钱，所以准备自己到保险公司买保险，首先
loss damage waiver 准备用Discover的信用卡的保险来抵掉，然后Liability
insurance 我准备买AAA 或者 state farm。
他们各自给了我一些报价和细节：
AAA：
Auto Insurance: Your Quote
Non-owned vehicle Total: $247
Bodily Injury Liability $100,000 / $300,000 $110
Property Damage Liability $50,000 $114
Medical Payments No coverage --
Uninsured Motorist Bodily Injury $15,000 / $30,000 $17
Uninsured Motorist Property Damage $3,500 $6
Additional Equipment No coverage --
... 阅读全帖 |
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s*********x
发帖数: 39 | 28 【 以下文字转载自 Boston 讨论区 】
发信人: saraleemutx (sara), 信区: Boston
标 题: 版上有人用costco的car insurance吗（在MA）？有问题请教一下
发信站: BBS 未名空间站 (Thu Jun 19 21:08:23 2014, 美东)
用costco的car insurance（Ameriprse）两年了，没有出过车祸，drive record也很好
，平时就上下班用一下。
今年突然涨了25%+。打电话询问了一下涨的原因，居然是insurance company认为
toyota corolla这个牌子的车risk太高，所以涨了那么多。和个人的纪录无关。第一次
听到这样理由。不知道是我孤陋寡闻还是这个理由太扯了？
顺便问一下换保险的事，是不是只要买了其他公司保险，就可以打电话给自己现在的保
险公司取消保险？还是说要准备其他一些材料？有经验的介绍一下大概的流程吧？万分
感谢 |
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R*****d
发帖数: 620 | 29 新insurance因为有discount,早几天开始，旧的insurance过10几天也就结束了。懒得
再给就insurance 打电话cancel了，反正也就剩10几天，也要不会什么refund的了。
这样可以吗？谢谢。 |
|
T*********e
发帖数: 91 | 30 Just some info for the board.
We were at fault for a tailgating accident last October, the other party
asked geico (our insurer) for $100,000 for bodily injury (which is pretty
bogus for sure), we don't know how much was spend on repair the car and how
much geico actually agreed to pay.
We just got our insurance renewal notice and our 6 month premium increased
by about 30%, we also have home insurance through gieco. |
|
j****y
发帖数: 56 | 31 前段时间发生车祸，但是是自己全责。当时老婆进了ER，后来没什么事。当时用了
health insurance。最近保险公司联系我们问是不是要放弃bodily claim，调查了一下
，好像车祸应该用car insurance，是吗？否则不能claim bodily injury，尤其是别人
全责？知道的说一下吧。谢谢。 |
|
j*******8
发帖数: 260 | 32 Hi All,
I was injured in a car accident. However, I used my health insurance to pay
my medical bills because I did not know if my auto insurance (Massachusetts
) PIP was going to cover them. Later I found out that my PIP could pay part
of
the bills, $2000 in Massachusetts.
My question is: can I ask my auto insurance send me a $2000 check, if my
medical bills is more than $2000. Thanks! |
|
j*******8
发帖数: 260 | 33 May I ask my car insurance "PIP" pay me the medical expenses after my
medical insurance paid the medical expenses? My car insurance is from MA.
Thanks! |
|
c**d
发帖数: 3888 | 34 You don't need to file a claim with other driver's insurance unless you have
good reason to believe they're at fault.
Your own insurance company won't subrogate (file claim with other insurance)
either because you carry liability only. |
|
T***u
发帖数: 1468 | 35 这个例子是不是应该用comprehensive insurance
: 个人经历给你一点参考， uninsured motorist insurance 在加州的使用前提是
: 你的人承认他她撞了你， 同时他她没有保险。
: 简单例子， 车停在家门口半夜被撞了，撞得人跑了，uninsured motorist
insurance
: no work at all.
|
|
M*******C
发帖数: 183 | 36 我的担忧是：我准备从家乡飞上海浦东，早上最早的飞机11点到达浦东，要赶当天下午
4点半上海飞美国的飞机，如果家乡起飞的飞机情况正常，那就没问题，但如果那个飞
机有什么情况走不了，延误了，我怕赶不上回美国的飞机，损失惨重，两个人的机票。
这种担忧，除了提前一晚住到上海之外，有什么办法可以挽回机票损失吗？
看到Delta卖的一个Trip INSURANCE，细节如下，但我不太懂我这种担忧的情况包括在
内吗？多谢！（我希望的不损失我的两张机票，下面这个Interruption是指我这种情况
吗？）
Purchase Trip Protection for a total of $35.00 USD for all passengers.
Allianz Travel Insurance covers up to the cost of the airfare portion of
your reservation and helps protect you against expenses should you be
required to cancel or interrupt your ... 阅读全帖 |
|
d*****r
发帖数: 3762 | 37 I always used both insured and signature, but the labels only show insured,
nowhere mentions signature. So maybe insurance includes free signature? |
|
t******g
发帖数: 1136 | 38 Does anyone here buy life insurance?
I want to get some basic information about its price.
For example:
30 year term life insurance, $1,000,000.00
male, 33 years old, faculty,
What is regular price for above life insurance? Thanks. |
|
j**********e
发帖数: 442 | 39 旧工作5月底health insurance到期，而新工作要到8月health insurance才开始，中间
几个月health insurance大家有啥高招能衔接么？主要是几个月的小孩儿要定期看儿科
医生（接种疫苗啥的） |
|
a*********9
发帖数: 523 | 40 【 以下文字转载自 JobHunting 讨论区 】
发信人: android2009 (android2009), 信区: JobHunting
标 题: 关于配偶的 Insurance coverage (转载)
发信站: BBS 未名空间站 (Mon Oct 25 23:36:39 2010, 美东)
发信人: android2009 (android2009), 信区: SanDiego
标 题: 关于配偶的 Insurance coverage
发信站: BBS 未名空间站 (Mon Oct 25 23:36:00 2010, 美东)
公司给我的保险可以FULL COVER配偶。
LP比我早工作，有自己的保险，但用得差不多了。 上个月看病后在填表的时候在 "
Primary
insurance" 上写了我公司的保险，没提她已经有的保险。
上星期收到我保险公司的CLAIM LETTER，要求她填写PRE-EXITING CONDITION之类的信
息。
想请教一下这种情况下是不是可能给保险公司退回CLAIM 呢？ |
|
C*****a
发帖数: 1025 | 41 【 以下文字转载自 SanFrancisco 讨论区 】
发信人: Camilla (HeHe), 信区: SanFrancisco
标 题: 请问大家的life insurance都怎么买的?
发信站: BBS 未名空间站 (Mon Nov 22 23:06:25 2010, 美东)
打到GEICO提供的life insurance号码,结果是一家叫life quotes的代理公司,接电话的
agent说SBLI(saving bank life insurance)给的保价最低,我在网上没查到这家啊. |
|
f******e
发帖数: 582 | 42 My son has delta dental insurance. When I use the delta website to search
dentist, dentist A is not in the list.
However, when I call dentist A, they told me they accept delta dental
insurance.
What is wrong here? Does dentist A accept my son’s dental insurance?
Thanks a lot. |
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b********c
发帖数: 310 | 43 【 以下文字转载自 Money 讨论区 】
发信人: babygirlcc (^happy^), 信区: Money
标 题: 有买amica life insurance的吗？
发信站: BBS 未名空间站 (Fri Jul 31 10:55:21 2015, 美东)
auto and home owner insurance 都在amica, 想申它的life insurance. 是A+的公司 |
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h*********r
发帖数: 1940 | 44 Some salesman came to our neighborhood and said they can replace the roof of
my house (about 13 year old now). They will handle the insurance claim for
me and even pay the deductible for me. I know the insurance rate will be
increased after the claim. But he said my insurance will increase anyway and
I am paying other people's claim.
I am not sure if it is worth to do so. Anyone has similar experience?
Thanks. |
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v****a
发帖数: 550 | 45 【 以下文字转载自 Boston 讨论区 】
发信人: vivida (小H), 信区: Boston
标 题: 租房签lease时被要求必须买renter insurance,正常吗？
发信站: BBS 未名空间站 (Thu Jun 16 17:22:12 2011, 美东)
麻省的一个租住小区.今天跑去签LEASE，manager给我说必
须买一个renter insurance，推荐了一个合作保险公司--Multifamily Insurance
partners, LLC), liability一年要100多刀。被强制要求买这个保险正常吗？以前住过
两个类似的公寓都没要求过。。。（PS：我还没签LEASE） |
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K****D
发帖数: 30533 | 46 Well, as a renter, I usually directly pass all landlords that
require renter's insurance, because I figured that for our
life style, we wouldn't go for the insurance if not required.
Therefore that becomes a complete hassle.
When I first arrived in Seattle 2 years ago, about 50% landlords
require renter's insurance. Last year none of the places we
visited require it any more.
Another topic: I've heard many times that it's better to form
an LLC and hire someone to manage your rental property, if |
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g*****g
发帖数: 34805 | 47 term life insurance for 30 years should be enough, half a million
coverage, good enough to pay off the mortgage and a little extra.
Insurance is just insurance, not an investment. Buy just enough. |
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g*****g
发帖数: 34805 | 48 Forget about group life insurance, most bread earners should buy
term life insurance for him/herself. Just so that if he/she dies
unexpectedly, his/her family can survive the hardship without him/her.
It's like paying some premium to ensure the anticipated salary before
retirement (or part of it) can be paid in any cases.
Group life insurance is often not enough, or you can't be sure you
can be employed all these years. |
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b******l
发帖数: 299 | 49 Genworth is very famous which used to be a division of General Electric. To
be sure, you need to know whether Genworth participates insurance protection
program in your state. Usually every state has insurance protection program
which can guarantee your insurance to some predetermined liability, such as
$200k. |
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c**********0
发帖数: 624 | 50 whole life insurance is quite normal. one point you need to understand that
it covers your premature risk, do not compre it with tax-deferred investment
vehicle!! you have penalty to withdraw
the cash surrender value if too early, and its a lifetime growth. Universal
life insurance and variable life insurance can be better choice. |
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