Input: Can An Auto Insurance Company Deny A Claim?

Output: An auto insurance carrier can deny a claim if the claim is outside of the scope of your policy 's provided coverages or if the claim is fraudulent in origin . Remember every policy is different . Please read your policy completely to understand the coverage provided and any exclusions that there may be or contact your local agent to have them go over the policy with you . If you feel that your claim is valid , appeal the denial with your local agent first .


Input: How Much Roth IRA Should I Contribute?

Output: The short easy answer is the maximum . For hard working Americans up to age 50 you can contribute up to $ 5,500 if you make up to $ 114,000 annually and single . If you are age 51 and up you can contribute up to $ 6,500 annually as the rule allows for a `` catch up '' for older workers . I would advise finding a trusted advisor to help with all of the details .


Input: Does Auto Insurance Cover Moving Trucks?

Output: Another thing to consider when you are renting a vehicle from a company is that if you are involved in an accident with that vehicle regardless of fault you may be held financially responsible for any repairs , loss of use , and other administrative fees designated by the rental contract . To protect yourself properly when renting a vehicle consider purchasing the coverage that is offered to prevent putting you and your family at financial risk in the event of an accident .


Input: Does Auto Insurance Cover Moving Trucks?

Output: I think your asking the question if you rent a moving truck will your auto insurance apply . Always double check with your own insurance company but in general if the vehicle you are renting is over 10,000 GVW you will not be covered by your personal auto policy and would need to purchase the insurance offered by the moving truck rental company .


Input: Can The Beneficiary Of A Life Insurance Policy Be Contested?

Output: This is an legal question and not something upon which a life insurance professional can provide a reliable opinion . That said , as the life insurance policy is a legal contract , the insurance company will be obligated to pay the named primary beneficiary . Assuming the proceeds go to a named beneficiary rather than the estate , the proceeds are not normally subject to probate so it would be unlike challenging a will in probate . Ultimately , a challenge would likely be a matter for the courts so finding experience legal help is critical . I am aware of a few examples where beneficiary designations have been challenged . The beneficiary designation might be demonstrated to be inconsistent with state law , especially elective or spousal share rules . Or , it might be demonstrated to not conform to other agreements such as split dollar agreements , divorce decrees , etc. .


Input: Is It Possible To Buy Cheaper Health Insurance Than My Company Offers?

Output: Yes , it CAN be less expensive for you to seek your own health insurance plan rather than accept the plan through your job . But often it 's just the opposite . You should always check both ways . Having an individual plan is much more portable in case you leave your job . Once you are on Medicare it is very common to have better options on the individual market than through your group offerings .


Input: Is It Possible To Buy Cheaper Health Insurance Than My Company Offers?

Output: Yes , it is possible , but you should really work the math out on the situation first . A person has the right to waive coverage from an employer if they wish and seek other coverage on their own . But you should also be aware that you may be giving up advantages that belonging to your employer 's group will bring . First , they may be paying all or some of costs for you . If you were to waive coverage , you may very well be leaving that money behind . Even if you employer gave you the money , you would pay income taxes on it , when currently you do n't . You may also have your contributions for health insurance at work be taken before income taxes are applied , which also saves you money and is n't available for the individual buying their own plan . In most states right now plan designs for individual coverage offer much less in the way of plan benefits . Group plans usually offer a good blend of benefits compared to individual plans . It will come down to what you want for benefits . It can be cheaper to buy your own coverage , but usually not apple to apple when you pencil it out . .


Input: Who Are Most Likely To Use Annuities And Why?

Output: Annuities are used for a variety of reasons ; -LRB- 1 -RRB- stable interest rate which is equal to or higher than what CD 's offer , -LRB- 2 -RRB- surrender charges typically decrease the longer you hold onto the annuity -LRB- 3 -RRB- it is secured by the assets of an Insurance company which is pretty stable -LRB- 4 -RRB- it is can offer both a fixed payment and regular payments . People looking for stability , long term savings and security tend to utilize annuities to accomplish this goal .


Input: Who Are Most Likely To Use Annuities And Why?

Output: Anyone can use an annuity . If you 're asking who is most likely to benefit most from an annuity that answer would be anyone who needs a stable , predictable , and reliable income stream . Another type of person who benefits from owning an annuity is anyone who believes they will live a long time as annuities can provide income that lasts for ones lifetime even if the income stream is more than the initial money in the annuity .


Input: Does Life Insurance Payout At End Of Term?

Output: That is a great question ! If you are referring to term life policies , the answer is no , that 's the reason they are so cheap . If you are referring to whole life policies , then the answer is yes , when the insured passes away , in almost every single case the policy pays . The only way a term policy will pay you is if you perish during the term , or have paid extra all along to have a return of premium rider added to your policy , which returns to you what you 'd paid into it -LRB- not the face value of the policy -RRB- . If you want cash , do n't buy term . I hope that helps , thanks for asking !


Input: Does Life Insurance Payout At End Of Term?

Output: Companies design a wide variety of policies . Some term products actually have a cash payout at the end of the policy term . However , cash indicates that you are really interested in permanent insurance . A permanent policy must develop cash values to provide the protection that you need to last a lifetime . If the need for protection is ended , the policy can be surrendered for the cash accumulated in the policy .


Input: Does Life Insurance Payout At End Of Term?

Output: Term life insurance does not payout . The only time you will get any money back from a term policy is an ROP or Return Of Premium policy . In that case , once the specified term has completed , the base premiums are returned . Whole life insurance will pay out -LRB- or ` endow ' -RRB- the face amount at maturity . This is typically at age 100 for traditional policies , but many are now set to endow at age 121 .


Input: Does Life Insurance Payout At End Of Term?

Output: No , life insurance does not have a payout at the end of the term unless `` ROP '' life insurance was purchased . ROP stands for `` return of premium '' . This type of policy charges a rate that is higher than normal life insurance , which the life insurance company invests . If you keep the policy long enough , they are able to return the premium due to their use of that money over the years .


Input: Does Renters Insurance Pay For A Hotel?

Output: If you can not live in your rented home or apartment due to a covered loss -LRB- claim -RRB- then your renters insurance policy will cover loss of use and can put you up temporarily in a hotel or motel . For example there is a fire and you can not live in your home your renters policy will pay for your housing under loss of use until a suitable replacement can be made or the policy limit runs out which ever comes first .


Input: Does Renters Insurance Pay For A Hotel?

Output: That is a great question ! If your apartment is destroyed or damaged to the point that it is not safe to live in , your renters policy will provide for housing . You will want to check on the policy specifics , for some it is a per day amount , for others it is a number of days kind of thing . It is one of those things that makes renters insurance such a great thing to have ! Thanks for asking !


Input: Does Renters Insurance Pay For A Hotel?

Output: Renters Insurance will pay for a hotel stay on a short term basis following a covered loss , the deductible will apply and the charge must be deemed normal and customaryand must not exceed the policy limit for Loss of Use . In order for insurance to pay for the hotel , the unit must not be in livable condition as a direct cause of the covered loss by the same policy contract . Renters Insurance is an inexpensive and important form of protection for one 's personal contents , loss of use and personal liability . There is a link providing an online format to obtain a quote and buy renters insurance online in multiple States ; may be useddirectly by Consumers . An exemplary online experience for all ! WEBSITELINK


Input: Who Should Life Insurance Go To?

Output: Most people choose a beneficiary that is a relative or business associate for their life insurance to go to . If married , the primary beneficiary for most policy holders is their spouse . If single , many people choose a parent , sibling , or friend . If you want your life insurance money to be used for your final expenses , you should choose a beneficiary that you can trust to spend the money as desired , or else form a trust and leave the money to a trust . If the purpose for your life insurance is to replace income that someone else counted on , that is the person -LRB- s -RRB- who should be your beneficiary .


Input: Who Should Life Insurance Go To?

Output: By your question , `` Who should life insurance go to ? '' I assume you mean , `` Who should receive the death benefit payment from your life insurance '' . The simple answer is : the benefit payment from your life insurance should go to the person or person YOU assign it to go to ! That person or persons are called the `` named beneficiary '' -LRB- or beneficiaries -RRB- . Who you choose to name as your beneficiary is entirely up to you .


Input: Can HSA Be Used For Long Term Care Insurance Premiums?

Output: Yes , HSA can be used to pay for tax qualified Long Term Care Insurance premiums , even if the Health Savings Account is offered through an employer provided cafeteria plan . LTC premiums are considered a qualified medical expense and as such , can be paid by an HSA up to a certain limit .


Input: Does Medicare Cover Lymphedema Garments?

Output: Officially , Medicare does not cover lymphedema garments . But there is a push to get Medicare to cover lymphedema garments and to pay for the cost of care for persons suffering from lymphedema , whether primary lymphedema -LRB- sometimes present already at birth , sometimes developing at puberty or in adulthood -RRB- , or secondary lymphedema -LRB- acquired from surgery or other cause , such as mastectomy -RRB- .


Input: Who Buys Long Term Care Insurance?

Output: The people who buy long term care insurance are those who have assets to protect and/or those who want to have a say in where they will spend their final days of life . Without long term care insurance , assets must be spent down in order to pay for the care . When those funds are gone , Medicaid pays , and the care must be received where Medicaid is accepted . Most long term care insurance now pays the insured person so that they can spend the funds in the location of their choice .


Input: Who Buys Long Term Care Insurance?

Output: Long term care generally is aconsiderationin your senior years . Most advisers begin addressing long term care insurance with their clients and prospects around age 50 . But it seems that many seniors purchase it in their early 60s . The # 1 risk in retirement is human longevity . Living longer impacts retirement funds and the increased probability of needing assisted living and/or nursing home care . Butpeoplewhose families havepredispositionsto disease or chronichospitalizationmay want to consider long term care while they 're young and healthy .


Input: How Much Does Homeowners Insurance Cost In New York?

Output: New York Homeowners Insurance cost will depend on what is being insured . Home Insurance covers the replacement cost of the dwelling , other structures , personal property , loss of use , personal liability and medical payments to others . The age , size and construction characteristics of the home will dictate the reconstruction cost which will be used as the Dwelling Coverage Amount . If you are looking for a lower premium than generated , we would recommend selecting a higher deductible option . The deductible does not apply to Liability and Medical Payment claims ; however , it is the amount deducted from a loss payout for physical loss to the dwelling , other structures and/or personal property as covered on the policy . There is a link providing an online format to obtain a quote and buy New York Home Insurance online ; it may be used by Escrow/Closing Professionals , Mortgage Professionals , Real Estate Agents and directly by Consumers . An exemplary online experience for all ! WEBSITELINK


Input: When Is Life Insurance Deductible As An Expense To A Business?

Output: In order to get the most up to date answer to this question refer to IRS Publication 535 -LRB- 2012 -RRB- - that describes business expenses . As of the day when I type this answer , you generally can deduct premiums you pay for thelife insurance covering your officers and employees if you are not directly or indirectly a beneficiary under the contract . However , you can not deduct premiums on the certain life insurance and annuities : - For contracts issued before June 9 , 1997 , you can not deduct the premiums on a life insurance policy covering you , an employee , or any person with a financial interest in your business if you are directly or indirectly a beneficiary of the policy . You are included among possible beneficiaries of the policy if the policy owner is obligated to repay a loan from you using the proceeds of the policy . A person has a financial interest in your business if the person is an owner or part owner of the business or has lent money to the business . - For contracts issued after June 8 , 1997 , you generally can not deduct the premiums on any life insurance policy , endowment contract , or annuity contract if you are directly or indirectly a beneficiary . The disallowance applies without regard to whom the policy covers . Partners . If , as a partner in a partnership , you take out an insurance policy on your own life and name your partners as beneficiaries to induce them to retain their investments in the partnership , you are considered a beneficiary . You can not deduct the insurance premiums .


Input: Will Renters Insurance Cover Dogs?

Output: In New York , one of the standard exclusions under the property coverages is something along the lines of ` animals , birds , and fish . ' If youown a valuable dog , a ` canine mortality ' policy would be appropriate to insure the value of the animal . There are also health insurance policies available for dogs . If you meant to ask ` Are dog bites/attacks and/or damage done by my dog covered underthe personal liabilityy section of a renters policy ? ' , the answer depends on a reading of your policy . Many carriers have a ` dog exclusion ' endorsement which voids liability for either all owned dogs or specific breeds . A competent agent or broker should -LRB- as a standard procedure -RRB- assess/survey your hazards and include questions to you about owned animals -LRB- especially dogs -RRB- as many carriers will not accept as new risks those individuals owning certain breeds of dogs . Always determine prior to purchase that the insurance policy you wish to purchase provides coverage for your exposures ; if the policy covers the liability exposure of the animals you own . If the policy application contains questions about animals , make sure they are answered completely and truthfully , you sign the application , and you retain a copy of the application -LRB- or anything else you sign - always and without fail -RRB- . If you can not obtain a copy , do not complete the transaction .


Input: What Happens When Long Term Care Insurance Runs Out?

Output: If somone has a traditional Long Term Care insurance policy that runs out of years of coverage , or runs out of money to to cover their LTC needs , they would need to begin paying for their long term care from their private funds . If that runs low , they would do a Medicaid spend down so that Medicaid will pay for their LTC needs . With a Partnership Long Term Care policy , assets -LRB- but not income -RRB- are protected from the Medicaid spend down . The amount of assets that are protected depend upon the variables and features of the Partnership LTC policy .


Input: What Are The Requirements For Medicare?

Output: The main way to qualify for Medicare is to be turning 65 year sold . You can complete the application process as early as age 64 and 9 months . Many individuals will qualify for premium-free Part A - you have the option of signing up for Part B as well , however , Part B requires a monthly premium . If you 're under 65 , you may be eligible for Medicare if you 're on disability -LRB- and have been for at least 24 months -RRB- or have end-stage renal disease -LRB- ESRD -RRB- .


Input: What Do I Need To Apply For Car Insurance?

Output: To apply and purchase auto insurance , you will need to provide your name , address , types of cars you own , other family members and some driving information . Experienced brokers -LRB- it 's our job -RRB- will shop and compare the best rates for you and show you the cheapest options . At that point , it 's up to you whether you care to apply .


Input: Does Life Insurance Incur GST?

Output: In the United States no , as there is no Goods and Services Tax . In Australia life insurance is exempt from GST as it is a financial services good . In Canada GST presently does not apply , but legislation in Canada has been proposed that would subject life insurance to GST and some legislation has sought a retroactive application to life insurance for GST .


Input: How Much Does Renters Insurance Usually Cost A Month?

Output: I would say within my geographic area that the average renters insurance policy that I have dealt with is about 10-20 per month . The rate that you pay for this coverage can vary greatly depending on many factors . Some of those factors are geographic area , amount of coverage desired , deductible , age of building , number of units in the building , and more . Please contact a local agent to find out how rates stack up in your area .


Input: How To Obtain Short Term Disability Insurance?

Output: You can obtain Short Term Disability Insurance in the same way that you can purchase Long Term Disability Insurance . Contact an agent or website that sells it and inquire about options and pricing . Even if a website does not advertise Disability Insurance , if it sells Life Insurance there is a good chance it sells Disability Insurance , as well .


Input: How To Obtain Short Term Disability Insurance?

Output: It 's common for larger companies to offer short term disability insurance to their employees . Even if they are n't paying for it , the group program would be guaranteed without having to go through underwriting , so it 's worth checking out your work first ! Otherwise , as Peggy said , you 'd go about finding DI by contacting a local agent or website .


Input: What Should I Look For In Long Term Care Insurance?

Output: Most advisers begin addressing long term care insurance with the clients around age 50 . But the buying public tends to purchase long term care insurance around age 60 . A couple of considerations here : You want to buy long term care when your healthy an relatively young to afford the premiums . But even if youre healthy , whats the predisposition of your family regarding assisted living and nursing home confinement ? If theres negative health history , then buying long term care earlier may be more prudent .


Input: Who Does Clark Howard Recommend For Term Life Insurance?

Output: I have not seen where Clark Howard recommends purchasing term life insurance from any one specific life insurance company . He recommends to comparison shop from websites that offer choices from multiple life insurance companies so that you can find the lowest term life premiums for you and your family .


Input: How Can I Lower My Home Insurance Premium?

Output: The premium is driven primarily by the amount of coverage on the residence . Check with your agent to see if the amount is excessive . Occasionally , due to annual increases , coverage does exceed the actual cost of reconstruction . The second way to reduce the premium is to increase the deductible . There are small decreases available for the installation of central station alarms . Notice , I didnt suggest that you reduce the liability limits . In my opinion that is just not wise .


Input: What Is Aviva Life Insurance?

Output: Aviva Life & Annuity Company has a New York and Iowa Company . The Iowa Company is 1.67 billion in assets with a total surplus & Asset Valuation Reserve of 85.3 million . Aviva Life & Annuity Company is rated by A.M. Best A - -LRB- 4 -RRB- , Standard & Poors A - -LRB- 7 -RRB- and Comdex 62 .


Input: Why Is Health Insurance So Expensive In Oklahoma?

Output: I feel your pain . Health Insurance is just expensive , there are many factors that go into the premium ratings -LRB- age , weight , current health , smoker , non smoker just to name a few -RRB- . However there are ways of getting your premium down depending on what type of plan you choose -LRB- HMO/PPO , deductibles , riders , etc -RRB- .


Input: When Can I Borrow From My Life Insurance?

Output: Permanent cash value policies accumulate -LRB- net -RRB- premiums that are crediting , or in the case of variable universal life insurance credited to or debited from the policy account based on performance . Keep in mind that in the early years of a policy , most contracts have surrender charges that can influence the accessibility of cash values . And remember , borrowing money from a life insurance policy has loan charges associated with the loan . Request an in force ledger from the issuing life insurance company to review the current standing of your policy before moving forward with a policy loan .


Input: Why Does Car Insurance Cost So Much In Arizona?

Output: Insurance prices in general are a function of a multitude of factors . However , when referring to Arizona auto insurance prices in specific , you 'll notice that prices have risen over the past few years . Here are a few of the reasons why : A high percentage of uninsuredand underinsured drivers , a significantly higher cost to pay for medical and litagation related expenses , more vehicles on the road leading to more auto accidents , increaesd value of vehicles , increased cost to repair and replace vehicles and an increasing amount of fraudulant claims . When determining if you should lower your insurance coveragesto offset rising pricesplease consult a professional insurance agent ! Joel Guilbert Liberty Mutual Insurance 480-685-7309


Input: Is Mortgage Life Insurance PPI?

Output: If PPI means personal property insurance then no it is not mortgage life insurance . Life Insurance for mortgages is simply a life policy which the death benefit is equal to your mortgage amount . In the past , this life insurance which was a term product also decreased the benefit which would be close to what your balance is as you pay off the mortgage . Today , you can get a level benefit for the same cost . If you were to die before the mortgage was paid off the benefit goes to pay the remaining balance . On a decreasing term , that did not leave much left for your spouse unless you had another policy . With the level benefit , whatever is left after the balance is paid off would go to your heirs .


Input: When Does Medicare Cover Ambulance Rides?

Output: Medicare covers emergency ambulance transportation when you need to be transported to a hospital or a skilled nursing facility . Keep in mind this transportation is when you 've had a medical emergency and your health is in serious danger and you cant be safely transported by a car or taxi . Medicare coverage depends on the seriousness of your medical condition and whether you could have been safely transported by other means . Medicare will only cover ambulance services to the nearest medical facility that can give you the care you need .


Input: When Does Medicare Cover Ambulance Rides?

Output: Medicare covers ambulance rides when they are used for emergency situations and medically necessary to transport the patient to the nearest facility for care , and when other transportation would endanger the patient 's health . The ambulance must be Medicare approved . Medicare may cover ambulance rides for non-emergency services if there is a written note from the doctor stating that such transportation is needed to not endanger the patient 's health . Instances where ambulance may be approved for non-emergency situations are for treatment for end stage renal disease , transportation to the doctor when the patient is bedridden , and when there is need for the medical services offered on the ambulance while making the trip .


Input: Will My Car Insurance Go Up When I Move?

Output: It may . Geographic location is one part of the equation that is used to determine your auto insurance rates . Insurance carriers typically usezip code to define a geographic location if your movekeeps you within the same zip code that you currently reside in then your rate quite possibly wo n't change.Depending on how the area is rated as compared to where you previously resided it could possibly cause your rate to gone down or up .


Input: What Does Long Term Care Insurance Provide?

Output: Depending on the policy your Long Term Care will provide coverage in a Nursing Home , Assisted Living , Independent Living or even at home if you can not perform 2 or 3 activities of daily living such as bathing , toileting , you are cognitively impaired , transferring from a chair or to bed or other ADL 's named in your policy . The policy helps provide the funds necessary according to the terms of the policy . Since each policy can be set up differently see an agent experienced in Long Term Care Resource Planning to help you find and put together a plan that best fits your budget .


Input: Why Is Vacant Home Insurance So Expensive?

Output: The reason that the home is more is because the house has no one or anything in it and that puts it at a higher risk for vandals and damages to go undetected till it is to late . with the home vacant the would no one there to notice a fire if it started . Or pipes froze and burst no one would be able to detect damage


Input: Why Is Vacant Home Insurance So Expensive?

Output: It is looked upon as a very high risk to the insurer since the property is not occupied daily where there is a high percentage of vandalism and other internal issues such as pipes breaking that would not be reported . There are insurance compaines that will insure these risks with a high price to pay until the property is renovated and occupied , then an admitted carrier insurance can be purchased at the competitive rates .


Input: Why Is Vacant Home Insurance So Expensive?

Output: It 's more expensive because there is more risk of something happening and going unmitigated . If someone is living in the home , then a leaking pipe , fire , or roof damage will usually be identified much quicker and can be handled before they cause significant damage . Vacant homes also pose a higher much risk for vandalism .


Input: Which Are The Best Life Insurance Policies?

Output: There is no one life insurance company that is the best in every category like price , underwriting , policy provisions , or company financial strength . And the best policies for any one person may be different from one policy owner to another based on individual product suitability . And your health history , smoking status , age , gender all contribute the final offer from a life insurance company . Shopping online for coverage can be a good starting point in your research of carriers .


Input: Which Are The Best Life Insurance Policies?

Output: Which are the best life insurance policies ? Short answer is the one that is in-force the day you die , as that 's the only thing that matters on that day , is an in-force policy . Now if you 're asking what 's the best policy for short term , say 10-20 years with no need beyond , term would most likely be the answer . 20 years plus ? Whole life would be the best . If you 've waited to late middle age and find that you still need life insurance for the long haul , universal life would probably be the answer . There is no best choice for everything .


Input: Which Are The Best Life Insurance Policies?

Output: The best life insurance policy is the one that meet your needs . Because life insurance contracts can be custom designed to accommodate your needs , there is no one best life insurance contract . There is certainly no one carrier that will always have the perfect product for all circumstances so it 's wise to seek the advice of an agent who is familiar with several carriers and their products to determine which is best for your situation .


Input: Which Are The Best Life Insurance Policies?

Output: The best life insurance policies vary from person to person . Some people want to use their life insurance for final expenses , or to pass their estate to their children . For them , permanent insurance is best . Some want to protect their family until their children are grown , or until their home is paid off . For them , term insurance may be best . To find your best life insurance policy , talk over your financial situation with a knowledgeable agent and look at several options . Sometimes getting a couple of different types of life insurance policies works best .


Input: Can I get the damaged parts back after the repair is complete?

Output: I dont think that there is a hard and fast rule about this . If you want parts returned to you make your desires known to the adjuster and then to the shop doing the repairs . Often when something is removed it is immediately set aside for recycling so it is up to you to take the initiative if you want a part .


Input: Can I get the damaged parts back after the repair is complete?

Output: That is a great question ! That really depends upon the garage where the repairs were performed . Some wo n't have a problem returning parts , -LRB- except usually the ones they return for rebates -RRB- , others wo n't at all , for fear you will decide they did n't need replacing and beef about the bill and repairs . It 's been my experience with damaged parts -LRB- and I 've seen plenty , unfortunately -RRB- that they usually are n't having back , as they ultimately do n't work the way they should . Buy new or refurbished , when the time comes . Thanks for asking !


Input: What Is Needed To Get Homeowners Insurance?

Output: You will need the date of construction for the home , the address , the total square footage , type of basement , number of stories , type of siding , type of roofing , type and size of garage , home heating source , distance to nearest responding fire department , distance of nearest fire hydrant , your personal information , and possibly more detailed information on the home to be able to receive a proper quote . After the quote , complete underwriting , sign paperwork and make premium payment .


Input: What Is Needed To Get Homeowners Insurance?

Output: Talk to your Insurance Professional about coverage options that are available to you . Provide the address of your home along with key information such as the year of construction , style of construction and proximity to both a hydrant and fire station . Talk about any specialty items in your home such as finished basement , fireplace , upgraded kitchen and bathroom features , flooring types etc. . It would be helpful to know if your roof had been replaced or if systems such as heating , electrical or plumbing have been upgraded . If you have a garage , is it separate or attached to your home . If attached , is it along side , built in or basement ? Be sure to advise if you have a central station fire or burglary alarm system . Finally , unless they already have it , they will need your personal information including full name , date of birth and in some cases social security number .


Input: What's The Average Car Insurance Price?

Output: Great Question . A car insurance policy cost on average about $ 500 - $ 900 a year . A lot of factors make up the price for the policy . Type of car , Age of the driver , location of the car , driving record . Also the coverage you pick will change the price of the policy .


Input: Does Texas Require You To Carry Auto Insurance?

Output: Yes , Insurance is mandated by the state of Texas . And there are consequences for not carrying insurance such as surcharges that have to be paid for 3 years per violation . Some cities have passed ordinances where they can tow your vehicle if you do not have auto insurance .


Input: How Much Critical Illness Insurance Should I Buy?

Output: That all depends on what you are needing to cover . The maximum amount I know of is $ 500k . First , I would look at covering lost income while you are out . Second , what expenses would you like not to worry about like your mortgage , health insurance premium , credit card and automobile debt , unexpected or uncovered medical bills , are you going to need to fly in someone to watch the kids while you are at the hospital , etc. . Then the tough part , after getting the quote for what you are thinking you need , look at the premium as it relates to your budget . Is this amount affordable ? Adjust as necessary . AT least you will know where you stand and how you might need to preserve and spend the benefit .


Input: How Much Critical Illness Insurance Should I Buy?

Output: The amount that you should buy depends on your financial circumstances . A serious health condition can cost tens of thousands of dollars , so generally having somewhere between $ 25,000 to $ 50,000 in coverage is prudent for those without the funds to cover such an event .


Input: How Much Critical Illness Insurance Should I Buy?

Output: The amount of critical illness insurance is more a question of affordability and that price tag has several factors to it : gender , age , smoking status , etc. . But if your family has a predisposition to chronic sickness or disease , you should consider purchasing the maximum critical illness insurance now while you 're young and healthy .


Input: When Do I Need To Get Homeowners Insurance?

Output: The first person that will ask you for a homeowners policy is the title officer when you close escrow on your home . The policy is required by the mortgage company to protect their interests in the property . However , even if you dont get that call , you can be sure that insurance is being placed on the property . If you are not using a lender then purchasing a homeowners policy is just good judgment and should be implemented as soon as you have a residence .


Input: When Do I Need To Get Homeowners Insurance?

Output: A homeowners policy is a routine requirement of a lender . You need to have a homeowners policy to satisfy the mortgage company . If you do not have a mortgage , the decision to purchase a homeowners policy seems less restrictive . However , the presence of risk is the reason for a homeowners policy . To start with you have a risk that someone can be hurt on your property and sue you . You run the risk that your house will burn to the ground , making smoke of the building and all your worldly possessions . Few people can tolerate such an extreme risk . Homeowners insurance assumes that risk in exchange for a small premium .


Input: Can I Refuse Medicare A?

Output: Yes , you can refuse Medicare A . But there are no premiums for Medicare Part A. S o unless you do not want to burden the government with paying a great portion of your hospitalization services , there are not a lot of reasons to opt out of Medicare Part A . You will be automatically enrolled in Medicare A when you turn 65 , so will just need to fill out a form to state the reason why you are refusing it .


Input: Is Income Replacement Insurance Worth It?

Output: Yes if a family was to lose their primary income it would be a tragedy or a business owner lost a worker that is a key person or a co owner passed away and takes 50 % of the knowledge you would most likely need to be insured and the spouse which most of the time might not be involved would want to be bought out where would the funds come from ? If the answer is borrow it from the bank you would not qualify for the loan and it is not smart business anyway . always be properly insured the rich do so should you . See my profile and contact me for assistants .


Input: Does Home Insurance Cover Vandalism?

Output: A homeowners policy -LRB- primary occupied dwelling -RRB- written on a special form would cover vandalism . This is not to be mistaken with a rental property which may exclude vandalism , especially if caused by tenants . Check with your agent for the details and coverages of your particular policy to see if your policy includes vandalism coverages .


Input: Does Medicare Cover Vision And Dental?

Output: Medicare does not cover a routine eye exam just to check to see if your prescription has changed -LRB- refraction exam -RRB- . Medicare does not cover new glasses unless you have been prescribed new glasses after cataract surgery . Medicare will cover anything medically wrong with your eyes such as cataracts , glaucoma , macular degenerative disease , etc. . Medicare does not cover dental unless your teeth have been injured as a result of an accident .


Input: Does Medicare Cover Vision And Dental?

Output: No , Medicare does not cover routine dental or vision care . It also does n't cover dentures , hearing aids or the exam for fitting them . However , there are dental and vision plans available and some even cover hearing . A good plan would have immediate coverage for the dental exam , cleanings , fillings and extractions . You should also consider if there is a `` network '' involved .


Input: Does Medicare Cover Vision And Dental?

Output: If you are speaking of `` original medicare '' then the answer is no medicare does not cover routine dental and vision care . However , there are many Medicare Advantage companies that does cover routine dental and vision care and if yuo have dentures and you drop and break one the company will even replace your denture .


Input: What Does Military Life Insurance Cover?

Output: According the VA website about SGLI -LRB- Servicemembers ' Group Life Insurance -RRB- , coverage is offered for every type of death except that which occurs as punishment for a crime or military offense . The punishment of death must be carried out by the US , not by the enemy , in order for the life insurance to be void . Every other cause is covered , including death by terrorism and acts of war . WEBSITELINK


Input: What Is A Variable Universal Life Insurance?

Output: Variable universal life insurance is a security governed by FINRA and an insurance product regulated by the department of insurance in each state . Basically variable universal life has two accounts : the general account with interest rate crediting and the separate account crediting or debiting from equity and bond like instruments , i.e. you can make money you can lose money.The death benefit proceeds generally pass to the policy beneficiaries tax free and the cash values can be used as a supplemental retirement plan .


Input: Can Illegal Immigrants Collect Medicare?

Output: The medicare.gov website states the following : `` Generally , you are eligible for Medicare if you or your spouse worked for at least 10 years in Medicare-covered employment and you are 65 years or older and a citizen or permanent resident of the United States . '' However , millions of dollars have been paid out to illegal immigrants in Medicare benefits . On the other hand , millions of dollars have been paid in to Medicare by illegal immigrants who will be unable to collect Medicare benefits when they turn 65 .


Input: Which Health Insurance Is Best For Maternity?

Output: Anyone purchasing health insurance for maternity should recognize that they are likely to utilize more healthcare , and have greater needs than the general population . A normal pregnancy and childbirth entails extra doctor visits , testing , and a hospital stay . One quarter of pregnancies experience complications , and one in eight babies are born preterm and require an extended stay in neonatal intensive care . You can purchase coverage through state exchanges or at work during open enrollment . The best plan anticipates that having a baby generates large claims . The policy with the best coverage of in-network NICU units may make the most sense - regardless of premium costs .


Input: Where Is The Best Place To Set Up A Roth IRA?

Output: A Roth IRA can be established in many places . Some of the people handling the transaction know very little about the plan . I would recommend that you get a referral to someone who has some training and background in retirement income planning . That person can do more than handle the papers ; they can help you become successful .


Input: Where Is The Best Place To Set Up A Roth IRA?

Output: That is a great question ! I think that it is great that you are looking into a Roth IRA for your retirement planning . They are really good vehicles for saving , and leveraging your tax burden when you are retired and needing income . You can find one offered at pretty much any bank or credit union , but look at several , and where your choices for allocations can go . Have somebody knowledgeable help you , ok ? Thanks for asking !


Input: Are Health Insurance Premiums Tax Deductible In Illinois?

Output: They can be but it all depends on how you are filed with the state . Your best bet is to speak with an accountant regarding the viability of deducting these premiums . As an LLC filing as an S corp , for instance , the cost of your health insurance premiums is listed on your W2 as income thus it is not deductible in that scenario .


Input: Are Health Insurance Premiums Tax Deductible In Illinois?

Output: It 's best to get expert advice from an accountant . You maybe eligible as a business owner but it 's always best to get the advice from an expert . There is a series of questions when you file your individual taxes if your medical expenses are more than your AGI , I believe it 's 7.5 % of your income . Your tax preparer would have that exact answer .


Input: Can A Landlord Demand Renters Insurance?

Output: Are your belongings protected ? Many renters think their personal belongings are protected by their landlords coverage . That simply isnt the case . If someone is injured in your rented unit they can sue you for personal injury and the resulting suit could leave you bankrupt . The landlord has your interests at heart when he requires a renters policy . The cost is low and the protection is high !


Input: Can A Landlord Demand Renters Insurance?

Output: A Landlord can demand anything that they would like in a Rental Contract ; it is up to the Renter to agree to it or not . In most States , renters insurance is n't required but is very popular . In actuality , for those tenants that resist buying insurance , a Landlord requiring insurance per the rental contract is doing the tenant a favor . Even if the renter has no interest in the loss of his or her personal belongings , renters insurance includes personal liability coverage . If the tenant is found negligent in the event of a claim , the renters policy would provide coverage to the claiming 3rd party ; in many cases , the claimant may be the apartment building owner or home owner who has suffered the loss . Without insurance , an ugly and lengthy legal battle could ensue causing grief to everyone involved . If after reading this response , the tenant would like to lease a home or apartment but has no interest in insurance other than to satisfy a requirement , it may be suggested to purchase the minimum Personal Property Coverage , the minimum Liability Limit and the maximum Deductible ; this will generate the lowest renters insurance premium . There is a link providing an online format to obtain a quote and buy renters insurance online in multiple States ; it may be used directly byConsumers . An exemplary online experience for all ! WEBSITELINK


Input: Where Can I Check Medicare Eligibility?

Output: You can check your eligibility to receive Medicare benefits through the Medicare website , Medicare.gov . There is a eligibility and premium calculator available on the website . You can also consult with an experienced senior insurance broker to get your questions answered and supplemental programs set up . Please feel free to contact me for help . Thanks very much .


Input: What Is The Most Popular Medigap Plan?

Output: The most popular Medigap plan is Plan F because it 's the most comprehensive and covers all of the benefits at 100 % from day 1 . Plan G is the second most popular plan because it 's identical to plan F except it does n't cover the Medicare Part B deductible -LRB- $ 147 in 2014 -RRB- , but the premiums are typically much lower than plan F . So how do you decide between the two ? It comes down to price . Since Medigap policies are standardized -LRB- meaning a plan F from company A is the exact same plan F from company B -RRB- , the only difference between the coverages is the price you pay for them . With the only difference between plans F and G , if the annualized premiums total more than a difference of $ 147 , then plan G offers you the better deal - if the total is less than $ 147 , then plan F is the better deal . In order to determine what plan is best for you , I would need to know more about you such as your age , gender , any tobacco usage , married or single -LRB- determines availability of a household discount on rates -RRB- , medical history -LRB- if outside open enrollment period -RRB- , and other factors to provide accurate figures and suggest a proper course of action that best serves your needs . I hope the information is helpful - please feel free to contact me if you have any questions , including quote requests , plan comparisons . Thanks very much .


Input: What Is The Most Popular Medigap Plan?

Output: I do n't know if there are any statistics on the most popular Medigap aka Medicare Supplement plan . I believe it is probably Plan F or G , which are provide the most comprehensive coverage . Plan F covers the $ 147 Part B deductible , while Plan G does not . They are also the only plans that cover the Part B excess billing . The most popular Insurance Carrier and premiums will vary by age and state . Please contact me if you require any additional information .


Input: What Is The Cost For Long Term Care Insurance?

Output: The cost for a long-term care insurance policy from a reputable company is running about $ 5,000 - $ 7,000 per year -LRB- $ 450/mo - $ 630/mo -RRB- for a person 55-60 years old , assuming that the person is healthy and can qualify for `` standard '' rate class . A `` preferred '' rate class would reduce those numbers by about 15-20 % . Discounts can reduce premium significantly , if applicable.Long-term care insurance policies used to cost a lot less . But , to be truthful , insurance companies really miscalculated how much it would cost to pay out the high claims of an average policyowner and how much premium it would take to stay in business and make a profit . Even today , with higher premiums for the same coverage design available 10 years ago , the margins on this type of insurance are very thin . Recent claims history studies have shown that 1 -RRB- policyowners do not allow these policies to lapse - less than 1 % do , 2 -RRB- more policyowners than anticipated are going on claim , and 3 -RRB- the cost of medical facilities and skilled home care is going up at a greater rate than most consumer price indices -LRB- CPI -RRB- . The take-away from all of this is in spite of the high cost , even a small , affordable policy is better than not having any coverage at all . A person 's chance of needing at least some long-term care before death is greater than most other risks that people have insurance for . -LRB- However , it would not be prudent to purchase any long-term care insurance policy if going forward one knows that they will not be able to afford the premiums during retirement . If one ca n't afford the insurance , it is imperative to have a family discussion about a plan for family caregiving that might be needed before one dies . -RRB- There are lots of ways to keep costs for long-term care insurance affordable . Design is everything . To reduce premium and still have value , consider a lower-cost inflation rider or none at all ; increase the maximum daily benefit to a higher amount than needed now and shorten up the number of years the pool of money is projected to minimally last ; buy extra-cost riders only if your situation absolutely calls for them . Finally , buy young . Some LTCi experts suggest buying as young as 40 . Most recommend that one not wait past 60 because premiums really start to climb after that age . By age 50 , you should be seriously considering it . -LRB- I bought mine at age 53 and bought it on my wife when she was 49 , and while it has been difficult in lean years to pay the premiums , I am so glad that we have kept the coverage in force . Neither of us would qualify medically to purchase it now . -RRB-


Input: Does Homeowners Insurance Cover Shingles?

Output: Roofing shingles as well as siding are considered to be a part of your dwelling and thus would be covered for damage caused by a covered peril . Wear and tear for example is not a covered peril whereas damage caused by wind , wind driven rain , lightening etc are . Any covered damage to your home would be handled unser the specific terms and conditions of your policy . So talk to your Insurance Professional about this . Give them the specifics about your loss and be sure to ask any and all questions that come to mind .


Input: Does Homeowners Insurance Cover Shingles?

Output: Homeowners insurance typically does cover your roof , whether comprised of common asphalt shingles or another material . However , policies may differ in HOW your roof is covered . Some policies cover the roof for actual cash value -LRB- market value - depreciation = actual cash value -RRB- . While others have a guaranteed amount of coverage . Most people do not know that their deductible may be higher for wind orhail damage claims -LRB- the most common perilswhich lead to an insurance claim on a roof -RRB- . Policies typically have an option of a flat deductible , meaningthe same deductible is paid regardless of the type of claim . As an example let 's say you have a flat $ 500 deductible . Whether there is afire claim or wind damage claim , you pay $ 500 for your deductible . Many policies have the option , and some even require , a higher deductible for wind/hail claims.For example , you may have a $ 1,000 deductible for wind/hail and $ 500 deductible AOP -LRB- all other perils -RRB- . Want to know what coverage you have ? Check out your policy or ask your agent today !


Input: Does Homeowners Insurance Cover Shingles?

Output: If you are referring to the roof then yes home would cover shingles for the perils of the policy . Keep in mind , wear and tear -LRB- age and deterioration -RRB- are not perils of a homeowners insurance policy . Coverage would be such things as fire , wind -LRB- assuming there is not wind exclusion -RRB- falling objects , collapse due to snow . If you have a specific question or situation please re-post the question or contact your local agent for clarification .


Input: Does High Blood Pressure Increase Life Insurance?

Output: Does high blood pressure increase life insurance ? If you mean increase the price , the answer would be yes . Uncontrolled high blood pressure is often a decline . For some people the life insurance medical exam is the first physical they 've had since high school . Often a eye opening experience can occur . That said , insurance companies do n't usually punish by cost people who have controlled blood pressure via medications . Once controlled , high blood pressure for the most part becomes a non factor .


Input: Does High Blood Pressure Increase Life Insurance?

Output: High blood pressure can increase life insurance premiums . But managed high blood pressure through medication with diet and exercise may mitigate your underwriting offer . Some lower end high blood pressure diagnosis may also be classified also as hypertension . If all other health conditions are within normal parameters managed high blood pressure does n't automatically mean higher premiums .


Input: Does High Blood Pressure Increase Life Insurance?

Output: Having high blood pressure will typically raise the rate you pay for your life insurance premium . If it is controlled , and you have no other health issues , you may qualify for an excellent rating , but perhaps not the `` Super Preferred '' rating that so may of us yearn to qualify for ! Each carrier is different , so utilizing an experienced broker is your key to getting the best rates .


Input: Does High Blood Pressure Increase Life Insurance?

Output: High blood pressure -LRB- hypertension -RRB- will not increase life insurance rates with some companies , as long as it is controlled . Most companies charge a little more if blood pressure medication is used , but some will give their best rating even with the use of one antihypertensive drug . If it takes two or more medications to control blood pressure , the rate will usually increase more . Some companies look at the average blood pressure reading over the past couple of years , some look at the highest blood pressure reading in the past year , and some use a combination of guidelines . Having stable and controlled blood pressure for over 6 months is the best way to get your best rate . However , there are simplified and guaranteed issue policies even for those with uncontrolled blood pressure .


Input: What Does Aps Stand For In Life Insurance?

Output: An APS is an `` Attending Physician Statement , '' and it is often used when you apply for coverage . It is a formal request from the insurance company to one of your medical providers -LRB- usually your family physician -RRB- requesting specific medical records . The insurer usually pays the cost ofobtainingthe medical records .


Input: What Does Aps Stand For In Life Insurance?

Output: When an APS -LRB- attending physician statement -RRB- is ordered by the life insurance company , the insurance company normally uses a service to obtain the APS from the physician or hospital from whom it has been requested . If you have seen more than one physician in the past 5 years , or if a particular physician has important details about your health condition , be sure to include the contact information for those physicians on your life insurance application . It will make the process go much faster if they can order all pertinent APS 's right away .


Input: Can I Get Life Insurance With Rheumatoid Arthritis?

Output: Yes you generally can . This depends on the severity of your condition and the frequency of flare-up . It will also depend on how compliant you are with recommended medical treatment and how up to date you are on your health maintenance .


Input: Can I Get Life Insurance With Rheumatoid Arthritis?

Output: Quick answer : yes . Definite answer : we have to see . Here are some underwriting considerations : How long ago was it diagnosed ? How often do flares occur ? How are pain and joint swelling controlled ? What medications are being used ? Have the medications affected the heart , lungs or kidneys ? Any complications such as bone erosion or cartilage damage ? Any deformities to bones or joins ? Have the deformities impaired functioning ? Well , there you go . Once these questions are answered , you will know for sure .


Input: Can I Get Life Insurance With Rheumatoid Arthritis?

Output: Yes , most life insurance companies will cover persons with rheumatoid arthritis . If you are able to do all your own activities of daily living , hold a job , and are not on narcotic medications , you may be rated at least Standard or better . If your arthritis is severe enough that you are on disability or need a caregiver , there are simplified issue policies that can be obtained in almost every situation .


Input: What Can Bring Car Insurance Down?

Output: There are many factors that are considered when an insurance company develops the rate you pay for your car insurance . Your age , driving experience and record fo course are key factors . So too is where you live , the type of driving you do and the year make and modle of the car you drive . The amount of coverage you choose directly affects the price you pay as well as taking adantage of any and all available discounts to which you are entitled . Any adjustment of any of these factors will have an affect , positive or negative , on teh price you pay .


Input: What Can Bring Car Insurance Down?

Output: Lessening your coverage limits for your policy would bring your rates down . Other factors that may help lower your premium amount for your auto insurance coverage are going ticket or accident free for at least three years and in some case five years . Moving to another geographic location could possible lower your rate . Keeping your credit score high may also help with you auto rates . There are many other factors that go into your auto rate , too many to list .


Input: What Are Different Ways You Can Plan For Retirement?

Output: There are two options you should consider : whether the retirement plan should be qualified or non qualified . Qualified retirement plans to review may be employer sponsored 401 -LRB- k -RRB- s or SEP IRAs or a Roth IRA or traditional IRA for individuals . Non-qualified retirement plans may use tax deferred annuities or life insurance . In unique circumstances , you can combine some of these plans together .


Input: How To Get The Best Renters Insurance Policy?

Output: Getting the best Renters Insurance policy is a bit subjective however be sure you understand the different types of Renters Insurance you have available . You typically have a current value and replacement value which cost different . For example , you file a claim on your TV . If you purchased your TV several years ago it is most likely not worth very much -LRB- current value -RRB- versus you having to go out and get a new one -LRB- replacement value -RRB- . Outside of this , look at the company you are purchasing the Renters Insurance from . Make sure they are reputable and pay their claims .


Input: Is Medicare Supplement Plan F The Best?

Output: Medicare supplement plan F is a very good plan and for some people may be their best option . Supplement plan F pays 100 % of Medicare approved Part A and Part B charges which limits your out of pocket costs after Medicare pays their portion . Over 90 % of my Medicare clients do not buy plan F.


Input: When Does My Car Insurance Go Down?

Output: Potentially it may never go down . Most insurance carriers will keep accidents and ticket on your rating record for three to five years . Your age will also affect your raate . Each carrier will set it 's own determination as to what age groups receive which rates . Many other factors can also affect your rates , i.e. geographic location , type of vehicle and many other factors .


Input: What Is A Registered Retirement Savings Plan?

Output: In Canada a Registered Retirement Saving Plan is a program to encourage people to save for retirement . The plan has a number of regulations , but the basics are that you can deduct your contributions up to a yearly maximum , the grow tax sheltered and are then taxable when withdrawn . You have to start withdrawn before December 31 in the year in which to turn 71 . More information on my website www.jpw.ca If you would like to work with a local Retirement Planner , you could start with a Google search . For example if you search for : retirement planner Halifax or retirement planning Halifax , my name along with several others will come up . You can use the same method to find Retirement Planners in your community . If you have further questions , or feel that I could be of assistance , please do not hesitate to contact me .


Input: Does Cigna Have Life Insurance?

Output: Cigna offers group life , accident and disability insurance policies through employers , but does not sell private life insurance policies to individuals . Connecticut General Life Insurance Company -LRB- Cigna -RRB- does offer individual health insurance plans and Medicare Part D and Advantage plans , in addition to group plans for medical , dental , vision , behavioral health and pharmacy .


Input: How To Get Home Insurance After Being Dropped?

Output: An insurance company may take action to non renew your Homeowners ' coverage for any number of reasons . Their standards are filed and approved by your State 's Insurance Department so the reason can not be arbitrary . If for a number and amount of claims , then these standards are not necessarily the same across the board for all companies . If cancelled as a result of unrepaired hazards , this is a bit more significant , but once the hazards are repaired , that eliminates the issue and you should be able to obtain coverage fairly easily . If your property is in such a state that it fails to meet any company 's underwriting standards , then talk to your insurance professional about options that may be available in your state . Many states have programs for higher risk properties where coverage , though limited , may be available . Finally , if none of these options are viable , if you have a mortgage , your mortgage company will obtain coverage if only to protect the extent of their interest . The premium will be passed on to you and added to your monthly payments .


Input: Why Is Car Insurance Important To Have?

Output: An automobile is an expensive investment . An automobile can be a deadly instrument . When you own and operate an automobile you are accepting both of these major risks . In addition people will travel inside your car and you are responsible for them as well . If you have an at-fault accident with serious injury to the occupants of the other car , occupants in your car and damage to both vehicles , the price can be astronomical . Things could be even worse .


Input: Why Is Car Insurance Important To Have?

Output: That is a great question , and one I get a lot ! The first reason that you should have insurance is that it is required by law to have . If you are going to drive , you 'd better have a policy . The penalties for driving uninsured are stiff , and have long lasting negative effects . The second good reason is that generally people do n't have the money laying around to purchase a second car when theirs is damaged or destroyed in an accident . The insurer picks up the tab -LRB- after deductible -RRB- instead of you , when you have insurance.The third reason is to protect against damages from a lawsuit filed as a result of an accident , having the insurer pay instead of seeing your check garnished is a really good thing . I hope that helps , thanks for asking !


Input: Why Is Car Insurance Important To Have?

Output: Car insurance is important to have for a number of reasons , the big one being it 's generally required by law ! But if that is n't enough to convince you , here are some other reasons it 's important to have car insurance : 1 -RRB- Car insurance protects YOU . Your bodily injury and property damagelimits determine how much the insurance company will pay if you are sued . So , if you have bodily injury limits of 50/100 , your insurance company will only pay $ 50,000 per person and a total of $ 100,000 per accident . If the amount you are sued for is $ 350,000 , guess who is paying the rest ... 2 -RRB- Car Insurance protects your PASSENGERS . What if you are in an accident , the OTHER driver is at fault , but they do n't have any or enough insurance ? That is when your insurance can help again , IF you have uninsured/underinsured motorist coverage . This coverage is similar to the bodily injury/property damage coverage already discussed , but this coverage is to protect you and your passengers in case you are hit by an uninsured or underinsured motorist . 3 -RRB- Car Insurance protects your CAR -LRB- and your wallet -RRB- . If you have Comprehensive -LRB- or Other than Collision -RRB- and Collision coverage on your car , then your car can be repaired and the repairs will be paid for by the insurance company , minus your deductible . This coverage is generally required ONLY if you have a loan or a lease on the vehicle , but it could be a good idea to sit down with your insurance agent and see if your vehicle should have this coverage .


Input: What Does Medigap Plan E Cover?

Output: Medigap has 10 standardized Plans -LRB- A , B , C , D , F , G , K , L , M , N -RRB- . There is not a Medigap Plan E available . The two most popular Medigap Plans are Plan F and Plan G. Medigap Plan F will cover all Medicare approved charges -LRB- co-insurance , co-pays and deductibles -RRB- . Medigap Plan G will also cover all Medicare approved charges -LRB- like Plan F -RRB- after satisfying the annual Part B deductible -LRB- $ 147 in 2014 -RRB- .


Input: Is It Good To Have Life Insurance?

Output: For most people , it is good to have life insurance . Life insurance allows you to provide for those you love , even after your death . They know when they receive that death benefit which was left specifically to them , that you cared about them and were a responsible person . Life insurance helps financially , but it also has other good ramifications at a very sad and tragic time .


Input: Is It Good To Have Life Insurance?

Output: The only way to answer this is to look at your situation and determine why you should consider having Life Insurance . Here are some examples why you would consider having a Life Insurance . you are married . A life policy would pay off any expenses and help to maintain the standard of living you currently have or perhaps want to provide the means to improve the living standard . you have children . This is a common reason . Have coverage to support your spouse until the kids move out . Perhaps you want to make sure the children have the means to go to college if you were to die prematurely . your a partner owning a business . Life Insurance is used for Key Person & Buy-Sell agreements . Key Person pays the company for lost income if a Key -LRB- important -RRB- employee passes while the company looks for someone to replace you . Buy-Sell purchases the ownership of your partners half that would otherwise fall to the family , surviving spouse . you have a bank loan . Sometimes , depending on the structure of a loan , you might be required to have Life Insurance which would pay the loan back upon your untimely death . This is one way a bank may minimize the risk on the loan defaulting . There are just 4 examples which are common . There are many other situations where it is good to have Life Insurance . Contact your agent/broker to discuss your situation .


Input: What Information Is Needed For Auto Insurance?

Output: The minimum information needed for a quote is the year make and model of the car , the names and birthdates of the drivers in the household , the address of the household and an indication of incidents . I also need the limits of coverage desired . In order to actually convert that quote to an application , I also need the occupations of the drivers , the VIN of the vehicles , the drivers license numbers . It may sound like a great deal of information but most drivers have that information handy .


Input: How To Purchase A Medigap Policy?

Output: You can purchase a Medigap policy on line , direct from the company , or through an agent . The premium will be the same no matter which you choose . I recommend using an experienced agent familiar with all of the plans available in your area . When choosing a plan do not just go by rates alone . While the coverage is the same because plans have been standardized , some companies have a history of going into a state with very low rates and then within two years raise the raise 30 -60 % . If you do n't mind changing plans every year and your health remains good then you might save a little money initially , but in the long run it could cost you money . Find a competitive plan that has a history of stable rates . A good agent can help you with that .


Input: Does Home Insurance Cover Septic Systems?

Output: Sometimes . It really depends upon the terms of your insurance contract . If a covered peril occurs -LRB- e.g. explosion -RRB- and it damages your septic system or a pipe leading into your home from the sewer that could be covered . In this instance you will have to peruse your policy for a specific exclusion to septic/sewer damage to see if your claim will be denied . If your septic system just stops working , however , there is no coverage for this . Normal wear and tear or just age is not a covered peril . That could be a warranty claim against the manufacturer . I hope this helps .


Input: Why Do Insurance Companies Sell Annuities?

Output: All financial product manufacturers develop and distribute product to make a profit . Insurance companies manufacture product to accomplish the same . An annuity is a mortality product , comprised of the difference of their gross returns and what they credit to the annuity , i.e. the spread . They also make money on the mortality expense they assign to the annuitant based on the annuitants gender , age and life expectancy , which can with some carriers be underwritten .


Input: Why Do Insurance Companies Sell Annuities?

Output: Insurances go back hundreds of years . Annuities are an life insurance products that has revolved to be one of the many retirement vehicles in the money world . Their are several reason insurance companies sell annuites . The most likely reason ii that based on mortality its a good form of capital to use to make a profit for the company . It has legal advantages some money instruments do not have . It is a good vehicle to move money from a person estate upon death to their beneficiarys . This another reason insurance companies sell annuities . An excellent service to the general public .


Input: Why Do Insurance Companies Sell Annuities?

Output: A life insurance company works primarily with statistics . The basis upon which life insurance policies are designed is exactly the same as the basis for annuity products , life expectancy . If a person lives past normal life expectancy the company with a life insurance policy is probably experiencing a dividend in that they have not yet had to pay out the death benefit . If the same person also had an annuity he or she would be receiving more than the company originally planned for . One dividend balances the other making an annuity the ideal product to balance a life insurance companys portfolio .


Input: Why Do Insurance Companies Sell Annuities?

Output: A better question would be , why not ? You get a supplement to retirement income that you should not outlive -LRB- if the annuity is planned correctly -RRB- and the company gets to use the money you invest to make a profit , sometimes returning some of that back to you if the annuity is of the variable variety . A win-win in the right situation .


Input: Which Health Insurance Covers Cosmetic Surgery?

Output: As a general rule you should never have an expectation that any health insurance policy will cover cosmetic surgery , at least in the context that most people think of cosmetic surgery . Cosmetic surgery merely for the purposes of enhancing a person 's physical appearance will be an exclusion under individual and group health insurance policies . The possible exception to this rule would be in the circumstances where cosmetic surgery is required as a result of an illness or injury and is required to restore normal function -LRB- or as close to it as possible -RRB- . Even in these circumstances the policyholder should expect that their insurance carriers will require medical documentation as to the medical necessity for this procedure and a pre-authorization from the health insurance carrier is a virtual certainty .


Input: Does Medicare Cover Hypnosis?

Output: Medicare can pay for hypnotherapy for a medical condition -LRB- such as intense and chronic pain -RRB- or a psychological condition -LRB- such as post traumatic stress disorder -RRB- that requires that type of treatment as a medical necessity . Normally , Medicare does not pay for hypnotherapy , even if prescribed as a method to help quit smoking .


Input: What Are Annuities And How Do They Work?

Output: Annuities are contracts that are written by insurance companies . They promise to pay a lifetime of income payments in exchange for a sum of money . From that basic idea there are many forms of annuities with features that apply to specific situations . If the contract is merely holding money the interest on the money is not subject to current income taxes .


Input: What Are Annuities And How Do They Work?

Output: Tax deferred annuities are mortality insurance products manufactured by annuity and/or life insurance companies . There are basically three crediting methods used in deferred annuities : interest rate crediting , indice crediting and separate sub account crediting .


Input: Will Homeowners Insurance Cover Leaking Toilet?

Output: There 's nothing worse than a leaking toilet . Oh . Yes there is . When your homeowner 's insurance does n't cover it . Unfortunately , a leaking toilet is usually a maintenance issue due to wear and tear or a malfunction . Therefore , it is not covered on a typical homeowner 's policy . Hopefully , you know a cheap reliable plumber .


Input: How Are Annuities Regulated?

Output: Tax deferred annuities are regulated by the department of insurance in each state . Variable annuities have an additional governing body called FINRA because it is a registered security product . Licensed insurance agents and registered representatives must be licensed with at least a series 6 and series 63 to sell variable annuities .


Input: What Is The Best Value In Life Insurance?

Output: For most people I highly recommend a life insurance product called EIUL . Equity Indexed Universal Life . It provides cash value . With EIUL sold by Premier Financial Alliance , it also provides full living benefits , covering chronic , critical and terminal care . It allows you to cover any of those ailments , and not have to die to collect your money . Yet it continues too provide a death benefit when you pass , reduced by cash used . Because it is tied to the market , the cash value increases dramatically higher than typical Whole Life , yet it will NEVER lose value due to market crashes . The best of both ! See your PFA agent . It is written by National Life Group , one of the oldest companies in America . GARY LANE . garylane@cox.net . 714 422 9616 . Thank you .


Input: What Is The Best Value In Life Insurance?

Output: That is a great question , and one I get a lot ! I think there are a lot of people that assume that life insurance is a `` one size fits all '' kind of product , and thus has a relatively similar price range . The truth is that it really is more like a tailored jacket - sized to fit you specifically . The things that go into setting the price for your policy are based upon your age , sex , smoking preference , health history , occupation , prescription history , and weight , just for starters . That is n't even considering the amount , and type of life insurance that you want . So finding the `` best value '' comes down to knowing how to select the best company financially capable of paying your claim when the time comes , and offering the best price for your circumstances until then . A good independent agent -LRB- one not tied to a specific brand name -RRB- can help you find that best value policy . Drop me a line if you need help , okay ? Thanks for asking !


Input: What Is The Best Value In Life Insurance?

Output: The best value is the policy that pays a death benefit . The type of insurance that will most likely end in a death claim is a permanent policy . For the money , permanent insurance is the best buy when it ends in a death claim . Many can not afford permanent insurance and may have temporary needs . For these folks the best protection is to have adequate coverage with a term policy that goes beyond the time that they think that they will require the coverage .


Input: Why Is Home Insurance Required?

Output: Mortgage companies require that you obtain and maintain acceptable Homeowners Insurance as one of the conditions of approving you for your home loan . In their case , it is to be sure that THEIR interest in your home is protected from loss caused by a covered peril . In some cases , If your home is located in a higher risk flood zone , they will extend that requirement to include Flood Insurance as well . When you are fortunate enough to pay off your mortgage , this should not be an event that makes you to consider cancelling your Homeowners ' and Flood Insurance policies , however . The mortage cmpany no longer has an interest in the security of your home but you and your family certainly do .


Input: Why Is Home Insurance Required?

Output: The agency requiring homeowners insurance is your mortgage company . The mortgage company has loaned you a considerable amount of money . The collateral that they hold for the loan is the home itself . This is called a secured loan . The homeowners policy that they require secures their interest . If the house should be completely destroyed by a fire the settlement will be first to the mortgage company and then to you .


Input: Why Is Home Insurance Required?

Output: In the vast majority of cases , when a home is sold , there is a mortgage involved . The insurance helps protect you , and the lender from suffering a financial loss if something were to happen to the home before that financial obligation was repaid . It is alsoa way to help you protect against the loss of your personal property if something terrible happened to your home , and protect you if someone were injured in your home or on your property . Hope that answers your question , if not , please feel free to contact me through the link on my profile page .


Input: Why Is Home Insurance Required?

Output: That is a great question ! Chances are , when you bought your home you had to get one or more mortgages . You borrowed what was most likely a very healthy sum of money from a financial institution that would like to get that money back , especially if something bad were to happen to the home before the loans were repaid . They are the reason why you have to have homeowners ; that and so you do n't have to go into bankruptcy replacing all of your belongings in the same bad situation . I hope that helps , thanks for asking !


Input: Who Are The Top Rated Life Insurance Companies?

Output: Life insurance companies are rated by a number of different institutions . Therefore , which life insurance companies are top rated will depend on which rating system you choose to use . Here are the main rating institutions available : A.M. Best Weiss Moody 's Fitch Standard & Poor 's Standard Analytical Service It may make sense to use multiple rating systems to measure the insurance companies you are interested in .


Input: Who Are The Top Rated Life Insurance Companies?

Output: Life insurance companies are rated by rating agencies . The main four rating agencies are AM Best , Fitch , Standard & Poor 's , and Moody 's . When you go to a life insurance carrier 's home page , there is usually a tab that leads you to their rating . The tab may be titled `` Financial Information '' , `` About ___ Insurance Company '' , `` Our History '' , or something similar . There you will see that company 's rating from those rating agencies -LRB- or of the rating agencies from which they have been rated -RRB- . When the rating is shown , it is usually shows what rank it is .


Input: Does Obamacare Affect Life Insurance?

Output: Obamacarewill not effect life insurance , which is sold in the free market andunencumberedby federal intervention . Interestingly , the US Department of Health and Human Services may allow the sale of life and disability insurance at the state exchanges . Thefederaldeficiton the other hand could force the hand of the government to seek new forms of revenue by removing the tax deferred , inside build up of cash values in life insurance and annuities .


Input: Does Obamacare Affect Life Insurance?

Output: Does Obamacare effect life insurance ? So far , no . But at some point Obamacare and all that it offers , has to be paid for . There is a serious effort in DC to find tax revenue sources and life insurance and annuities are both being eyed for future tax revenues to support the cost of healthcare . One thing when changes like this happen , and they do happen , what 's in force is usually grandfathered and kept exempt from the action . Usually something like this would apply to future purchases . Just another reason not to `` round to it . ''


Input: Does Obamacare Affect Life Insurance?

Output: At this point in time the ACA -LRB- obamacare -RRB- does not involve life insurance . That is not to say that at some point in the future life insurance may be tapped for taxes on the inside buildup of cash values to help pay for the ACA which is turning out to be an extremely expensive undertaking . The cash values of life insurance have always had tax favored treatment during the build up phase . So far , those dollars have escaped those in government who seek revenues to fund their projects . So it is possible that in the future Obamacare will effect life insurance , but more as a revenue source tax wise .


Input: Does Obamacare Affect Life Insurance?

Output: Not directly as it is health care reform . But , life insurance may provide for some planning relief for some higher income taxpayers -LRB- 250,000 + -RRB- . In addition to higher income taxes in 2013 for higher income taxpayers , this year also saw new taxes to pay for health care reform due to the 3.8 % Medicare Tax on Net Investment Income and the 0.9 % Increase in Hospital Insurance Tax on Wages . The 3.8 % tax impacts net investment income . With careful planning , life insurance cash values can be accessed , potentially tax free whereas many other sources of income may be subject to the combination of higher tax rates and 3.8 % Medicare Tax .


Input: Does Obamacare Affect Life Insurance?

Output: No . The Affordable Care Act -LRB- aka ObamaCare -RRB- is on health insurance only . It wo n't affect life insurance , auto insurance , home owners insurance or anything other than health insurance . Long term if it causes a lot of frustrated people to jump off bridges or tall buildings it could eventually have an impact on life insurance rates . But so far that frustration has been mainly found in business owners and health insurance agents and has not affected the general public . We will have to see how things go in 2014 to see if it is truly an AFFORDABLE Care Act .


Input: How Much Home Insurance Should You Get?

Output: Most insurance providers these days will begin there service for you by doing an on site inspection of your home . In addition to identifying anyissues that could possibly cause a loss in the future , we complete a Reconstruction Cost Analysis to determine what it might cost to repair or replace your home in the event of a loss . Once that number is determined , a reasonable recommendation can be made that will reflect current reconstruction costs in your area . Your insurance professional will also suggest either full replacement value or extended replacement as an option , which ever the company represented may offer .


Input: How Much Home Insurance Should You Get?

Output: You need to get at least as much coverage as the insurance carrier says is required to rebuild your home . Insurance carriers will provide a calculation of how much it should cost to rebuild the home in a certain area . If you go below that amount then there could be penalties in how much the insurance company will pay out . On a related note , you should obtain a guaranteed replacement cost increase . This guarantees that you will get an extra amount of coverage -LRB- usually a percentage of your current coverage -RRB- to rebuild your home in the case of a catastrophic loss . This way , if you want to rebuild on a nice piece of land , you will not be stuck fronting more money in order to get back to where you were . In summary , never low ball your coverage to save money because you will end up paying out-of-pocket to get back to the status quo .


Input: How To Get Cheap Car Insurance At 18?

Output: The lowest rate that you would depend on the amount of coverage you get , your driving record , and other factors . If you still live at home . Your rate would be less if you are able to join your parents coverage . If that is not possible call your local agent to find out what they have available within your area and the cost that would be involved .


Input: Does Medicare Plan F Cover Dental?

Output: Medicare Plan F does not necessarily cover dental . Some plans will offer dental coverage as an additional benefit , but you need to look closely at the plans to make sure the benefits you want are on the plan . The exception to this is any dental procedure that is covered by Medicare Part B would fall under Plan F benefits as well . Usually this is associated with chemotherapy .


Input: Does Medicare Plan F Cover Dental?

Output: A Medigap Plan F only covers a dental service if Medicare covers it . Routine dental care is not covered by Medicare . Some procedures may be covered under certain conditions -LRB- e.g. you had to go to the emergency room and it was medically necessary to repair something in your mouth immediately -RRB- - you can check with Medicare if you 're not sure if a given procedure would be covered . One of the ways carriers differentiate themselves is by offering `` value-added services '' . Value-added services regarding dental are simply discounts on dental services - not dental insurance . Medigap plans are standardized meaning the plan itself is exactly the same , regardless of the carrier you buy it from . If you want coverage for routine dental services such as checkups , x-rays , fillings , etc. , you would need to add a separate dental insurance plan to provide coverage for routine services . I hope the information is helpful - please feel free to contact me for help and if you have any other questions . Thanks very much .


Input: How Do Joint Annuities Work?

Output: With joint annuities , the policy is purchased together . They are usually called `` joint and survivor annuities '' . When one dies , the other owner can continue the annuity , either by allowing it to keep growing , or to start taking payments , or to continue payments that were started when the other owner was alive .


Input: What Is A Medicare Award Letter?

Output: If you are under age 65 and have applied for disability with Social Security , if approved by Social Security you will eventually become eligible for Medicare . The general guideline is following 2 years of Social Security disability payments you are eligible for Medicare but there are specific medical conditions , such as ESRD , where you can be awarded Medicare benefits before two years have passed .


Input: How Can Car Insurance Be So Expensive?

Output: Car insurance companies operate on a very slim margin . The cost of your policy is equal to your share of what your company anticipates paying out in claims . These claims cover liability settlements as well as repairing the vehicles of policy holders who experience damage . Your driving record might disqualify you for rate discounts and other adjustments .


Input: What Is The Best Medicare Drug Plan?

Output: The `` best '' Medicare drug plan is the one that fits your needs and budget . Sometimes paying more will result in lower total annual costs , sometimes not . I have a husband and wife as clients . Husband takes about a dozen drugs , some quite expensive . The wife takes 4 drugs and none of them are terribly pricey but they are not $ 4 generics either . As it turns out the `` best '' plan for her runs about $ 80 per month while his plan -LRB- coincidentally with the same carrier -RRB- is about $ 50 per month . If she chose a lower priced plan her total annual costs would rise by several hundred dollars . If he opted for the more expensive plan like she has , his total annual outlay would also increase . The formulary is the driving factor in both these situations .


Input: What Is The Best Medicare Drug Plan?

Output: There is no best plan , but there are best plans for your situation . The best plan for you takes in to account your medicines , dosages , frequencies , and your preferred pharmacy . Using the Part D plan selector is a great way to compare your Part D options . Visit www.medicare.gov . Remember to give the . gov site and not the . com site . The . com site is not affiliated with CMS -LRB- the government entity who runs Medicare -RRB- .


Input: What Is The Best Medicare Drug Plan?

Output: It is actually a violation of CMS -LRB- the center for Medicare and Medicade -RRB- for an agent to ever state that any Medicare Drug Plan is the best . The best is a word that means different things to different people . And a plan that is a good choice for you could be a poor choice for your spouse . The only proper way to select your RX plan is to go on Medicare 's website and type in all your current medications . This will give you a list of all the plans that cover your meds . It will also tell you the deductibles , co-pays and premiums for each plan . Your Medicare Supplement agent should do this for you each year . Or you can pretty easily do it yourself if you prefer .


Input: What's Similar Between 401K And Roth IRA?

Output: The similarity between a Roth IRA and a 401 -LRB- k -RRB- plan is that they are both qualified retirement plans . The Internal Revenue Service has issued regulations on both and they appear in the Code . The number 401 -LRB- k -RRB- is the code section that permits that specific type of retirement program . In both programs the income tax on earnings from money held in the program is tax-deferred , meaning that there isnt any income tax on the earnings in the current year . A Roth IRA is an individual plan . You own the plan . The money that you put into the plan is made with money that has already been taxed . You dont need to be the employee of a particular company to have a Roth IRA . There isnt any tax current tax deduction for the deposit . You can have a Roth IRA even if you have a retirement plan elsewhere . As a plan owner you select where the funds are to be invested , within limits . There are adjusted gross income limits to participation so check with your advisor if you have relatively high income . A non-working spouse can have a Roth IRA . A 401 -LRB- k -RRB- is an employer sponsored plan . Your employer sets up the plan and either administers the plan directly or uses a third party administrator to maintain the plan . Under most circumstances the employer states clearly who can participate in the plan . The money contributed to the plan is normally deducted from your paycheck before income tax is withheld . That is because that money is tax-deferred . There wont be any current income tax on that money . Sometimes employers will match some of the money contributed as an incentive . Particularly when the employer contributes to the plan there will probably be a vesting schedule . That means that the money contributed by the employer isnt really yours until you meet a certain criteria for service or participation in the plan . The plan will also stipulate whether in-service withdrawals can be made , and the conditions under which they can be made . During the accumulation phase withdrawals from a 401 -LRB- k -RRB- plan can trigger a taxable event . However , with a Roth IRA if the program has been in place for more than five years and you are older than 59.5 , or have become disabled or need the money for a first-time home purchase , there isnt a penalty tax of 10 % . You can also use the money for higher education costs . Withdrawals for education prior to your reaching age 59.5 will be subject to income tax even though they are not subject to the additional 10 % penalty tax . You can withdraw up to the total of your payments without income tax or the additional 10 % penalty tax . Treatment can be different under a 401 -LRB- k. -RRB- The plan itself might not allow in-service withdrawals and income tax and penalty could also be charged . During the accumulation phase the 401 -LRB- k -RRB- plan will offer a limited number of investment options , often including an option to purchase company stock . Those are the only investment options available . However , a Roth IRA can be funded with a variety of investments and changed whenever it is deemed best by you . When you retire with a 401 -LRB- k -RRB- the IRS will require that starting after you reach 70.5 you must make withdrawals every year . These are scheduled in the code . With a 401 -LRB- k -RRB- these withdrawals are treated as ordinary income and are fully taxed . This is not a requirement of your Roth IRA . Withdrawals are not required and when you decide to take them , they are free of income tax if you are over 59.5 years old . You can name a beneficiary with both types of plans ; however with the Roth IRA if the plan has been held for more than five years , the funds can pass to an heir tax-free . The key issue is that deposits in a 401 -LRB- k -RRB- are currently not included in your income tax and may be matched by your employer . The contributions to a Roth IRA are made with after-tax dollars . When you retire all of the money in your 401 -LRB- k -RRB- plan will be taxed as withdrawn as ordinary income , however , none of the money from a Roth IRA will be taxed .


Input: Is Long Term Care Insurance An ERISA Plan?

Output: Long term care insurance policies offered at the job , whether fully insured or self insured , are under ERISA -LRB- the Employee Retirement Income Security Act -RRB- . As people age and their group long term care policies begin to be used more and more , ERISA will enter into the determination of payment of benefits .


Input: Is Short Term Disability Covered Under Cobra?

Output: COBRA regulates traditional health insurance plans . Traditional plans make benefit payment directly to providers in exchange for treating medical conditions . COBRA allows employees to continue group coverage after leaving an employer . Short term disability is not covered under COBRA . However , many policy types are portable . That means you can continue coverage by direct debit to a checking account . Check with your insurance carrier and ask if you can convert to direct payment .


Input: What Does Homeowners Insurance Cover In A Hurricane?

Output: A homeowners insurance policy covers damage to the structure , loss of personal property , increased living expenses and some medical expenses if the damage is the result of a named peril . In some policies , the perils are specifically named , while in others the policy covers everything but the excluded perils . In any case , insurance companies have paid enormous sums to assist policyholders who were hit with a hurricane .


Input: What Does Homeowners Insurance Cover In A Hurricane?

Output: Oh , this is a great question ! This is one of those questions that really requires thatyou to look at your policy , and the way that it is worded . Many homeowners are in for a shock when they realize that water from the ground surge is n't covered , unless they have flood insurance , or a rider that includes it . Same with wind damage . Often , deductibles are higher when hurricane damage coverage is included , so that might give you an idea if it is covered in your policy . Get with your agent , and see . Depending upon where you live , and the company that you bought from , you may well be covered , but it never hurts to be certain , especially before you need to know . Thanks for asking !


Input: Can I Cash Out My Fixed Annuity?

Output: Annuities are long term contracts designed to accumulate and then disburse money in retirement . Most annuities can be surrendered . Many contain a surrender charge that decreases every year until it disappears . Surrender of the annuity might create a taxable event . Of course the right to surrender the annuity should be written as a part of the contract so please consult the contract .


Input: Can I File An Auto Insurance Claim Without A Police Report?

Output: Yes , of course . Not all auto claims involve the police or require an accident report . If the car is involved in an accident of some sort on a public road or highway , or if it is stolen or vandalized , then yes , a police report would be a potential requirement . If however , your car is hit while legally parked , or if a tree falls on it , or you hit a curb or pothole or your garage door while backing out , these are some examples of claims situations where the police would not be involved .


Input: Can I File An Auto Insurance Claim Without A Police Report?

Output: A police report is often very difficult to obtain . In many jurisdictions the policy will respond only to accidents involving bodily injury . These jurisdictions often have a report request on their website . However , with the widespread use of smart phones , you can snap pictures at every conceivable angle and establish the loss quite clearly .