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s****e
发帖数: 38 | 2 I'm with Geico. Geico itself does not seem having home insurance, it does
sell home insurance through affiliates, such as Travelers, HomeSite, etc.
You do get a customer service number from Geico.
Last year mine is Geico-Travelers. This year they increased the price. So I
asked around. Geico's representative somehow suggested I can try a different
geico insurer, and I ended up with Geico-HomeSite, lower price with higher
coverage.
I has several price quote from AllStates, AAA, etc, Geico's is th... 阅读全帖 |
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m******g
发帖数: 966 | 3 【 以下文字转载自 Automobile 讨论区 】
发信人: s3 (小三), 信区: Automobile
标 题: 最近租车事故的赔偿经历（AMEX的car-rental insurance）
发信站: BBS 未名空间站 (Fri Dec 9 15:02:48 2011, 美东)
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... 阅读全帖 |
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M**X
发帖数: 3014 | 4 请问我跟爸一起在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，Named Insured也没我名字 这样如果有什么事Insurance会不会不
保我呢?谢谢 |
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M******e
发帖数: 160 | 5 同求， auto insurance, homeowner insurance, landlord insurance, umbrella
insurance的agent |
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J******t
发帖数: 1945 | 6 简而言之，owner's title insurance是买房时的一次性费用，是为你或后代拥有这个
房产期间所有title方面问题的保险。到底买不买是个人决定。我还是推荐买，因为房
产一般是个人很大一部分财产, 这点钱相对而言是小钱。
更多信息：
After your sales contract has been accepted, a title professional will
search the public records to look for any problems with the home's title.
This search typically involves a review of land records going back many
years. More than 1/3 of all title searches reveal a title problem that title
professionals fix before you go to closing. For instance, a previous owner
may hav... 阅读全帖 |
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s*******e
发帖数: 4188 | 8 对，why do you want to buy life insurance?
Life insurance能保证你不死吗？能让你死而复活吗？能在你死后让亲人不悲伤吗？都
不能。那你死后拿到一笔钱有什么用？如果你care的人的生活depend on你活着挣的钱
就有用。什么人依赖于你呢？你的未成年的孩子，或许你的父母，或许你的配偶没有工
作能力无法养活自己。你的保额也跟他们依赖于你的程度有关。如果这些情况都不存在
，那你没必要买life insurance。
那些身份问题跟insurance公司的business practice有关，跟你的需求没关系。 |
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A********t
发帖数: 240 | 9 请问一下租客被强行要求自己买rental insurance是合理的吗？
我在怀疑他们想变相提高租金，才要求租客在入住两年后突然要上rental insurance.
有理由拒付rental insurance吗？ 或者哪里可能买到最便宜的insurance.
Thanks, |
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f***o
发帖数: 1548 | 10 问了律师和保险代理还是不是十分清楚怎么做才是最正确的。
想参考一下大家有做过把房产放到trust后怎么改保险的。
比如这个链接说的
indianwellsestateplanningattorney.com/2015/01/15/remember-update-insurance-
policies-when-you-put-property-in-your-trust/
这是假设夫妻做了trust，自己是trustee的情况。
The homeowner policy can easily be updated by contacting your insurance
agent and asking that the trust be added as an additional insured. In the
above example, the additional insured would be “John Doe and Jane Doe, as
co-Trustees of the Doe Family Trust dated XYZ.”
那就是要保留John Doe... 阅读全帖 |
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f******o
发帖数: 1505 | 11 买公司里的 life insurance 是最傻的，除非你已经很老 60+ 了。 说起来是 term
insurance, 但其实你一离开公司就没有了。 如果你现在30岁，在公司干五年，那就等
于你掏钱买了5年的 term insurance. 但你 cover 的年龄段是 30 到35 而已。 你觉
得划算么？
有这个钱为什么不自己单独买个 term insurance, 比如说保30到60岁，比公司里面的
有意义的多，也贵不了多少。 |
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h**G
发帖数: 9825 | 12 这个我必须要纠正你一下.
有贷款,lender一定会买lender title insurance,当然羊毛还是buyer出.
但是owner's title insurance确实不是必须的,因为这个风险完全在owner身上,与
lender和title company无关.但是如果不买owner title insurance,lender title
insurance会涨很多,最后total倒差不了多少.
最后,作为一名agent,给客户错误的信息是最要不得了.希望七七能好好加强一下自己的
业务. |
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x*********3
发帖数: 54 | 13 【 以下文字转载自 TAX 讨论区 】
发信人: xiaocong213 (xiaocong), 信区: TAX
标 题: 请教：Mortgage insurance premiums 到底能抵税吗？
发信站: BBS 未名空间站 (Sun Mar 12 19:08:12 2017, 美东)
首付少于20%,所以贷款有Mortgage insurance premiums。
试着用Credit Karma免费报税，发现Mortgage insurance premiums没能抵税，只有贷
款的>利息算抵税了。可是我听说Mortgage insurance premiums是可以抵税的啊。请问
这个是Credit Karma的一个bug还是这个确实就不能抵税的？ |
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m*******2
发帖数: 15 | 14 大家好，刚买到的房子，要买home insurance
大家有知道名声好，价钱合理的home insurance，请推荐或自荐，我想quote一下，这
几天会做决定，非常感谢大家。
如果和auto insurance bind在一起有很多优惠的话，auto insurance我也可以转过去
。 |
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O*********e
发帖数: 668 | 15 配偶employer提供insurance的话，只能把ms的作为secondary insurance. 理论上
primary insurance不付的部分，ms insurance都给付吧？具体可以看看plan. |
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s****p
发帖数: 124 | 16 最近看到有人讨论term life insurance的问题，我也想买一个让自己和家人心里踏实
点。但是对term life insurance不是很了解。
请问谁能推荐个好的term life insurance agent?还有，这种term life insurance买
多少年，多少coverage比较好？一年premium大概多少钱？ |
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s**********8
发帖数: 163 | 17 Just bought a house. Any recommendations on agent/insurance company to buy
home owner's insurance? What does home insurance cover usually? Do you
recommend to buy earthquake insurance, too? |
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h********n
发帖数: 5148 | 18 你的理解是正确的。房子是否在FLOOD ZONE一般来讲都是以FEMA的FLOODZONE MAP为主
。当然有时候由于各个数据库的不一致会导致，保险公司和贷款公司查出来的不一样。
如果房子被界定在属于100 YEAR FLOOD ZONE，如果你是贷款买房，银行就需要你买
FLOOD INSURANCE。在FLOOD ZONE的房子，买保险之前都会做个ELEVATION CERTIFICATE
， 具体FLOOD INSURANCE的保费是和这个数据有关的。我的理解是，这个CERTIFICATE
适用于界定你的房屋是高于还是低于海平面多少INCH。
如果你的房屋不在FLOOD ZONE,是否购买FLOOD ZONE的INSURANCE就属于自己的选择了。
一般都不会贵，一年三，四百吧。不过如果有些不在FLOOD ZONE的房子，进过水，而且
CLAIM过，那即使你买这种OPTIONAL的FLOOD INSURANCE,价钱也不会便宜。所以在房子
CLOSE前，最好找到保险公司详细了解一下。 |
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c******a
发帖数: 267 | 19 是不是一定要买wind insurance啊？邮编77584 silver lake那边。
今天问了一下，wind insurance要1400，再加上普通的insurance 600多，
一共2k多了一年。这养房子还真贵啊。
大家住pearland那边的能不能推荐几个home insurance公司或者代理？谢谢 |
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f******g
发帖数: 1697 | 20 ☆─────────────────────────────────────☆
waterpig (水水猪 ) 于 (Sun Oct 21 19:00:41 2007) 提到:
发信人: waterpig (水水猪 ), 信区: Money
标 题: totoly confused--- car rental insurance with CC
发信站: BBS 未名空间站 (Sun Oct 21 19:00:07 2007), 转信
翻看了精华区 一直以为 master card 的 gold or platinum卡租车
信用卡可以作为primary insurance for rental car
当时刚才打电话到master card 问， 其实是如果你没有 auto insurance的话
master card才能作为你的primary insurance
而且 master card 还有一种更高级的卡 world卡 全球租车都cover和gold、platinum
一样的保险
哪位大牛出来说说话 看看这位master card客服说的对不对？
帮我 |
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e*******h
发帖数: 63 | 21 哥哥嫂子要来美国旅行一个月.会开我的车大概一周.请问哪里可以买到cover一周的
insurance...还有为了预防万一得个病啥的,想给他们买一个月的health insurance,哪
里比较方便买呢? 他们在国内都有insurance,不知道能不能cover国外的费用。。。 |
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M******y
发帖数: 225 | 22 在准备意大利签证
关于保险
要求是
10) Proof of medical insurance showing minimum coverage of at least $50,000.
00 covering the entire period of stay in Italy. US health insurance policies
are accepted only with statements from the health insurance company
confirming that the company will pay Italian/European providers. In lieu of
this applicants may show proof of purchase of medical travel insurance for
the whole travel period.
请问大家通常是怎么处理的。 |
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h*****e
发帖数: 439 | 23 if you live in an apartment building, the renter's insurance is generally
cheap. $120 or so for $20k property coverage.
but, I know that's not what you are looking for:) you need to ask for
additional coverage for your camera equipment.
ask your auto insurance company. generally it's cheaper if you buy renter's
insurance from your auto insurer.
again, it's all depends on your equipment.
btw, if you have a house, that's a different story. |
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t****e
发帖数: 129 | 24 life insurance proceed 上税吗？ 不上税。见:
http://www.irs.gov/Help-&-Resources/Tools-&-FAQs/FAQs-for-Indiv
Question: Are proceeds paid under a life insurance contract taxable and do
they have to be reported as income?
Answer:
Generally, if you receive the proceeds under a life insurance contract as a
beneficiary due to the death of the insured person, the benefits are not
includable in gross income and do not have to be reported: |
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t******n
发帖数: 2939 | 25 ☆─────────────────────────────────────☆
monoprice (有价无市) 于 (Fri Apr 5 16:59:26 2013, 美东) 提到:
康妈募捐事件闹得满世界沸沸扬扬,双方各执一词,口诛笔伐,难解难分.不过有一点是肯
定的,那就是不管谁是谁非,这次我们海外华人的脸都是丢尽了.
这里我不想表明我的立场,只是想提醒大家,特别是有孩子的单收入家庭:爱你的家人,就
一定要买人身保险.谁也不想有意外,但祸福难测,如果不幸碰上了,家人的生活好歹有个
最低保障,千万别省这几个钱.以免逝者不安，生者蒙羞。
人身保险有很多种,对我们大多数人来说,Term life insurance 是最好的选择,没有那
么多猫腻.而且越年轻,保费越低.工作后也可买公司的life insurance,不过你丢了工作
,保险也就没了.而且公司的保险虽然一开始便宜,但年年上涨,长远看并不划算.但可以
做为额外的补充.公司还会提供Accident Death Insurance,这个不保疾病,只保意外事
故,非常便宜,$1 million的保额一年也就$100~2... 阅读全帖 |
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C******8
发帖数: 223 | 26 首先 你要搞清楚 你是要和 insurance company meet 还是和 insurance agent
company meet。保险分很多种的 worker comp/ general business insurance/health
insurance 哈 每年在这些police 到期之前 公司的CFO/controller 会和保险代理商
会谈的。不如问问你老板。 |
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S*****y
发帖数: 34 | 27 The wholesale insurance industry association, American Association of
Managing General Agents (AAMGA), has created a Distinguished Chair in Risk
Management and Insurance at the J. Mack Robinson College of Business at
Georgia State University.
The chair is being funded by a $1 million gift to Robinson's Department of
Risk Management and Insurance from members and associate members of AAMGA.
The gift is believed to be the largest of its kind involving a business
school and an insurance trade assoc |
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T*********y
发帖数: 643 | 28 一点不懂，问些傻问题。
如果到53岁还活着，这每年交的460是不是就贡献给保险公司了？
如果买whole life insurance,就没有这个问题？
同样的保25万，whole life insurance是不是比 term life insurance 贵很多？whole
life insurance是否可以作为一种投资方式？
问的问题比较多，谢谢! |
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k*********l
发帖数: 1218 | 29 【 以下文字转载自 Automobile 讨论区 】
发信人: katharinezl (linlin), 信区: Automobile
标 题: 求助：sue insurance公司的settlement amount too low
发信站: BBS 未名空间站 (Wed Jan 19 12:54:15 2011, 美东)
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 |
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p*********e
发帖数: 32207 | 30 it really depends on which insurance company you are with.
For geico, I've asked the CSR about Q2, and they said even if
a person not on the insured drivers' list driving my car caused
an accident, the collision coverage still works.
For Q2, you definitely can add driver(s) to the insured drivers' list
(but this may cost you more insurance premium) who is(are) not
co-owner(s) of your vehicle. (I've confirmed that with Geico.)
However I'm not sure whether the owner can be absent from the list. |
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w*******y
发帖数: 60932 | 31 Link:
http://www.libertymutualonline.com/affinity/delta/index.html?sr
granted, skymiles kinda suck badly, but free is free.
* The descriptions of features and benefits are necessarily brief, vary by
state and are subject to provisions, limitations and exclusions that can
only be expressed in the policy and related endorsements. Discounts, credits
, and benefits are available where state laws and regulations allow and may
vary by state. Unlimited Rental Car coverage is an optional coverage; use o... 阅读全帖 |
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n*******e
发帖数: 137 | 32 【 以下文字转载自 SanFrancisco 讨论区 】
发信人: newjackie (pp), 信区: SanFrancisco
标 题: Re: 有娃的都买多少life insurence?
发信站: BBS 未名空间站 (Wed Jan 18 13:38:42 2012, 美东)
life insurance不是一句两句说的清的。我觉得比较重要的几点。
1. 有的人公司有保险就觉得够了，其实没有意识到公司的保险一般是带不走的。如果
换工作之间出了事，没有保险就很麻烦，等等。建议自己另买。另外，如果老了以后，
离开公司后也没有保险了。到时候，即使想自己买也不一定能买到了。
2.年纪越轻越便宜，所以建议早买。大部分人60岁以后都买不起了。有的人觉得自己还
年轻，稍等等也不会贵哪里，但你不知道你将来的健康状况会怎样。知道有人年纪轻轻
，因为血压高卖不到保险的，或者保费很高。还是那句话，买得越早越好。
3.网上有很多关于买term还是买permanent的讨论，大家好像对permanent挺排斥的，觉
得买term+自己投资更好。其实也不尽然。不同的保险有不同的保障目的。应该是根据
... 阅读全帖 |
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r*x
发帖数: 1055 | 33 Again, I agree with you on what you said, but this plan seems to only focus
on insurance, while doctors, lawyers and pharmas are still practically
unaffected. while the insurance company is just an intermediary between
these parties ( which are the main source of the problem) and patients, do
you really think an 'insurance reform' can solve the problem? |
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m*********a
发帖数: 3299 | 34 Republics do not allow import life saving drugs from Canada, the cost of
which can be 5-10 times cheaper. They kill such bills in the past repeatedly
. The result higher insurance cost. Republics want to start over the health
care bill, so the big business like insurance companies and drug companies
can get more money and make insurance more expensive. |
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m*********a
发帖数: 3299 | 35 This is why we have the price tag of $940 billions. Of course it is not free
. Also, those sick people can go to emergency room to get treatment and do
not pay the bill. This bill reveals those hidden cost.
The purpose of any insurance is to pull the individual risk together and to
be shared by all. I do not know when I will be part of the sick. I may be
health in all my life and pay the insurance any way. It is not a waste.
There is a reason it is called insurance not investment.
。 |
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y****t
发帖数: 10233 | 36 为什么豆腐比计划经济好?
因为这是我说的!!!
Part of the health care overhaul due to kick in this September could strip
more than 1 million people of their insurance coverage, violating a key goal
of President Barack Obama’s reforms.
Under the provision, insurance companies will no longer be able to apply
broad annual caps on the amount of money they pay out on health policies.
Employer groups say the ban could essentially wipe out a niche insurance
market that many part-time workers and retail and restaurant employ |
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l****z
发帖数: 29846 | 37 Thousands Of Consumers Get Insurance Cancellation Notices Due To Health Law
Changes
by Jammie
Health plans are sending hundreds of thousands of cancellation letters to
people who buy their own coverage, frustrating some consumers who want to
keep what they have and forcing others to buy more costly policies.
The main reason insurers offer is that the policies fall short of what the
Affordable Care Act requires starting Jan. 1. Most are ending policies sold
after the law passed in March 2010. At... 阅读全帖 |
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j**z
发帖数: 109 | 38 It is already way way over regulated. Each billing code has its own rules,
and may vary from state to state. In some states, the law even specify the
font size printed on the EOB. All these drive up the admin cost to manage
them.
American is doomed by politicians and lawyers. They make rules extremely
complicated with putting loopholes in them for themselves. So outsiders have
to big bucks to them to save a little bit. for example, what the heck of
having dozens of different FSA, HSA types of ac... 阅读全帖 |
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l*****9
发帖数: 9501 | 39 who said insurance is only 5% of total cost?
476/2700=17.6%
http://www.pnhp.org/news/2013/july/%E2%80%98medicare-for-all%E2
Friedman said the savings would come from slashing the administrative waste
associated with today’s private health insurance industry ($476 billion)
and using the new, public system’s bargaining muscle to negotiate
pharmaceutical drug prices down to European levels ($116 billion).
“These savings would be more than enough to fund $343 billion in
improvements to our health sy... 阅读全帖 |
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l****z
发帖数: 29846 | 40 Obama: You could afford insurance if you gave up your cable and phone
By: Ben Howe (Diary) | March 12th, 2014
In 2009, President Obama famously told a woman that her 100 year old mother
who might be refused a pacemaker under Obamacare might need to “simply take
pain killers.” This is an attitude common to liberals. They know what’s
best and when pushed, they’ll spell it out for you: make whatever
accommodations you must but you will comply with what they’ve presented to
you as your “choices.”... 阅读全帖 |
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P**k
发帖数: 264 | 41 Let me tell your something about health insurance or coverage for hospital
stay if you are sick.
If you are legal visitor with visa, you or your visa sponsor is responsible
for all cost of your health care during hospital stay and clinic follow up.
It is all up to you. These people do not show up in clinic follow up as they
do not have insurance to cover medications or tests.
If you are illegal immigrant, the movement or county hospital has program to
cover your cost. You could apply for these i... 阅读全帖 |
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a*******t
发帖数: 891 | 42 We buy insurance so if accident happens, we can walk away with minimal finanic
al burden.
Say if an accident causes $1000 damage. Now let's also say, if we let insuranc
e pay for it, and our insurance rate goes up by $300 next year.
Most insurance companies only checks driving record upto 3 years anyway, so st
arting from the 4th year, we are as good as having no accident on record.
So, pay $1000 now? or pay $300/year for 3 years? Needless to see, the 2nd opti
on is better.
Another thing to cons |
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y*****y
发帖数: 274 | 43 新车，down pay不到20%， 今天第一次听说还有gap insurance这东西。
在版内放狗搜了一下没发现有相关内容，可是就我美国同学说来新车没了它就不敢上路。
这东西需要吗？我是geico的insurance。geico好像没有gap insurance这东西。
那我请问要去哪里买呢？可以单独买吗？ |
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n******n
发帖数: 602 | 44 what's the other party? if it is a car accident, your insurance company has
to insure your liability, and they will usually send someone to look at your
car just for the sake of have some information of who should be at fault at
arbitration / court. They normally would give out an inflated repair value
for your car as they wouldn't be paying for that regardless.
The other choice is call the other insurance company and have them look at
your car, but they would give you a low ball estimate if pos |
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i****a
发帖数: 36252 | 45 on fixing the car, you have 2 options:
A. get cash - if you do NOT want to fix the car or want to fix it cheap
and pocket the differece, get 3 free estimates from 3 different body
shops, fax them to the insurance company and ask for as much as possible
B. get the car fixed - send your car to good bodyshop, ask them to bill
the insurance directly. Usually insurance company recommended bodyshop are
good; avoid dealer because most dealers do not do body work, they tow your
car to a body shop nearby |
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t******g
发帖数: 1136 | 46 想买life insurance.
请教：
1）美国这里，life insurance 一般包括什么死亡？
怎么有些需要做身体检查？难道生病死亡也包括？
2）20年的那种term life insurance 一般要什么价钱？
3）有没有谁能介绍几个保险公司？那种说保险公司
A+, A, A-, 这些代表什么意思呢？
谢谢了！希望没有发错版！ |
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s********1
发帖数: 581 | 47 对方的insurance会赔偿吗？
我的车被另一辆车从后面小撞了一下。对方已经认错并且留下字句，本人目前也有
liability insurance, 可是我的车registration刚刚过期。请问在这种情况下，对方
的insurance会赔偿吗？
谢谢！ |
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n**a
发帖数: 212 | 48 被一个犹太人追尾了，结果丫要求私了，死活只肯付$100，号称如果我不接受，要通知
insurance company 拒付，让我只能去small claim court打官司讨钱。
我的经验是一旦file claim,都由insurance company接手，难道车主可以通知
insurance company拒赔吗？ |
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s***n
发帖数: 1280 | 49 When I was in MA, I was told by my insurance agent if the repair cost paid
by the insurance company for my at-fault accident is less than $1000, no
point will be added and my premium won't increase at all. But if I have
another small accident, point might be added and so goes the premium.
So better ask your agent or even insurance company directly about their
policy. |
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l*******y
发帖数: 4 | 50 谢谢回复！我之前跟AAA Insurance Agency的人打电话确认报价，她说$970/yr，然后
告知他们的carrier是commerce。
刚刚一个本地的叫Philip A Glantz Insurance给我电邮了他们的报价$888/yr，然后在
信中我猛然发现他家也是commerce的。
同样是commerce的保险，不同agency报价不一样，以后万一车子出了问题，管事的是
commerce还是属下的agency啊？困惑中。 |
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