insurance quotes louisiana

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Someone explain this auto insurance info please!!?

In Founders Insurance Company v. Munoz, decided on May 20, 2010, the Illinois Supreme Court considered the validity of an automobile insurance policy exclusion that precluded coverage for any person using the insured vehicle who did not have a reasonable belief that he or she was entitled to do so. The court concluded that the exclusion was not ambiguous, and that it was properly applied to exclude coverage for drivers who did not possess a valid drivers license, regardless of whether the driver was a named insured or a permissive user of the vehicle. The court reasoned that an average, ordinary, normal, reasonable person would understand that the exclusion applied to unlicensed drivers. The exclusion applied regardless of whether the driver had never obtained a license, or whether it had been suspended. The court held, as a matter of law, that an unlicensed driver could not have a reasonable belief that he or she was entitled to drive simply because he or she owned the vehicle or had been given the keys. can someone explain this in lamens terms please? ive had a similar situation happen to me and i would like to know how to go about handling this thank you!

Insurance for Spanish registered car?

I live and work in the uk, but I have a car in the canary islands spain, I only return to the ca66naries about 6 times a year for a week at a time, does anyone know of an insurance company that can cover my car insurance for only 1 week at a time when I need it. The car is locked in my underground garage when not in use. I do not see the point in paying for a yearly insurance for a car that is only used for max of 6 weeks in the year. Its a Spanish plated car reg number

Do landlords usually have homeowner insurance?

Do landlord usually have homeowner insurance? Also is it true that most homeowner insurance have liability coverage? And if they took out a mortgage does the mortgage company require them to have some kind of homeowner insurance?

Motorcycle insurance question?

Hey, so im 19 and live in ontario. I want to get insurance for my bike but its hella expensive. Could i 'sell' the bike to my uncle (DOES NOT LIVE WITH ME), he insures it and becomes primary rider and puts me as secondary? He has his own bike so he will have 2 bikes under his name, and ill be secondary for 1 will it work?

How much do insurance adjusters cost?

I am fighting with my insurance company regarding fixing my motor on my boat. The insurance company already denied my claim. So now, I asked them for a second opinion and was told by the claims representative that I would have to pay for the second adjuster to come out. However, her boss did not tell me that I would have to pay out of my pocket for a second adjuster to come out and look at my boat. So I was wondering how much will it (might) cost me to have the second adjuster to come out.

Does anyone know the cost of insurance on a classic beetle? 1972 for an 18 year old girl.?

Im 18, ive got a 1972 1303 Classic Beetle Does anyone know how much it would be for me to get insured on it as a legal driver? Im a girl btw, or would it be cheaper on my dads insurance? or would i not be fully comp??

Why the hell is motorcycle insurance SOO expensive in Ontario, Canada?

I took identical information and filled out a progressive quote for both DETROIT and LOS ANGELES and both are 2356 FULL coverage (im 16 years old with zzr600), While when i got a quote from TD Bank they said 6000$ what the f u c k my damn bike doesnt even cost that much got damn it.

Can geico really save you 15 or more on car insurance ?

How can you lower 17 years olds car insurance quotes ?

hi, im 16 and turning 17 in a few months, im looking at quotes for cars for example: cars with 1.0 to 1.2 engines an that are 10 years old or more. for example: vw polo 1.2 - 11k and paying 1500 a month. i know this cant be right can someone help please !

How much will my Car insurance go up?

I hit a car in Los Angeles and I have State Farm. The guy I hit drives a range rover and all I did was scratch his driver's side door. The body shop wants $1200 to repaint the door, which I think is insane. I would pay cash, but $1200 is a lot of money. Does State Farm have accident forgiveness, or will my premium go up if I claim this on my insurance?

OHIO: I'm 17, and got cited for failure to stop at a 4-way stop...got in accident...price?

I live in Akron, Ohio. But I got cited in Salem, Ohio. I got cited for failure to stop at a 4-way stop sign. and got in a wreck. my car is fine. I was going speed limit (25). Other car, minor problems. I have to go to court. This is my first wreck, and citation. I drive a nissain altima 2003, my parents own. -how many points will i get on my license? -how much will my ticket be? -is there anyway the charges will be dropped? -how much will insurance go up? Thank you sooo much! sorry the police just weren't very helpful. I have statefarm insurance!!

How is 18yr old meant to get car insurance?

I live in London and passed my test in February. I own Renault Clio 1.2 And the cheapest quote i got so far is 305 pounds per month, which is way too much for me. What companies are cheap? What can i do to start driving legally, searching for insurance is frustrating Dont say price comparison websites they suck cheapest quote there was 8k per year

Why does ACA make insurance mandatory?

Does anyone know why the Affordable Health Care Act requires you to have insurance? I could understand an optional government insurance plan if you don't get it through work, but I don't understand why there will be a penalty if you are uninsured. Avoiding emotional responses (for instance: b/c Obama sux), does anyone know the reasoning behind that? An example of the answer I'm looking for would be if you asked me why Americans are required to have car insurance, why aren't we just allowed to pay for accidents out of pocked if we choose to? I would answer by saying that some people would not get insurance because they thought they could avoid an accident, but then get into one and nobody would pay for the other person's car/injuries. Putting the person in jail wouldn't help the victim, so it's better to make everyone have car insurance.

Does anyone know some cheap insurance companies for drivers who just passed?

UK only please :)xx

IVF insurance, who covers it?

Hello! My wife and I want to add a bundle of joy to our family and we wanted to know what insurance company and plan should we go with?! We are thinking blue cross, but don't know what plan to choose. Please be kind, and I'll be kind to you :)

Normal Insurance on the Dodge Charger?

I'm looking to buy the dodge charger 2011, I want a car that's good on gas and insurance. I have a Grand Prix right now and i'm fine with my insurance on that but I can't find out how much insurance is on a charger because I don't have one could someone tell me the about the amount of insurance I don't need and exact number.

Would I still need to keep the insurance up on my truck if my license was suspended for DUI?

I was wondering if I still need to keep my insurance during the suspension period or do I cancel it and then wait till the end of my suspension period. I got my DUI on May 6th. I guess for now I'm sticking to riding a bicycle anytime I want to go somewhere which it takes longer but at least it gets the most gas mileage of any vehicle which is infinity miles per gallon.

Why is my car insurance so much higher than my female counter part?

This is such bullsh*t. I am 24 have had 0 accidents and 0 tickets. I am moving to another state and my Fing insurance is like $150 month. Then I talked to a female coworker my age with the same type of car and she has 2 speeding tickets her insurance is $137 a month. WTF? It is a known fact that almost all women are horrible drivers. Sure I guess males my age may do more reckless things but at least we have some Fing common sense. Women in todays society seem to lack this. Because they are never held accountable for any of their actions. O sweety you drank a fifth last night and banged some fat nasty guy well its not your fault its the guys fault. Sorry for the rant I just feel that my car insurance should be lower than hers because I have no tickets not higher anyone else agree?

Can you buy a car and not buy insurance?

i dont have my liscence yet but i'm thinking about buying a car, and i was wondering if i had to start paying for insurance; i dont have my liscence and wont be driving the car yet? can i just pay insurance when i get my liscence? i live in Connecticut if that matters

Does one single speeding ticket raise auto insurance rates?

hey guys so probably 2 months ago I got my first speeding ticket whilst on the way to the movie theaters at college because my stupid friends wanted to make the 9:30 showing of Evil Dead. Needless to say it was still my fault getting pulled over in the end. The cop did however tell me that there would be no points on my record since it was my first ever offense and basically it was just a $92.00 fine that I paid the next day. I am a very cautious driver and have not had any trouble with the law regarding my driving except for that one mishap. Does getting this one single ticket raise my insurance rates? We are looking to switch insurances so will our rates be higher because of this stupid mistake of mine?

1.4 engine and 1.6 engine whats the difference in insurance?

My husband has passed his test and is looking for a car is the insurance more on the different size engines he wants a 1.6

Is Car Insurance quotes race-specific?

Where I live the 'minority races' and immigrants I asked how much car insurance they are paying because mine seemed steep were paying very little compared to me for the equivalent car - even though theyre new drivers. I have a clean licence since 1987. Are they less likely to have accidents? I dont believe this some of them only their God is keeping them from having accident. Or is to charge them too much being racist so we have to pay more insurance for them?

Minor car crash, no insurance?

So I got into a minor car crash, I believe my insurance expired. I only have a few scratches on my car, but for the other driver her side view mirror broke. I was wondering just to pay out of pocket because side view mirror repair isnt that much and she probably has a few scatches on her car as well, and going through all the hassle is to much time and work. She wanted to exchange insurance info but wasnt able to provide because I wasn't sure if I was insured or not. What to do? My first car accident! :(

Can auto insurance company refuse to cancel my policy?

I have gotten another auto insurance company due to the rudeness and refusal to switch my monthly draft to another bank. I had one bank and to close due to some suspicious activity that indicated signs of fraud. When I called to tell my insurance company about this the lady was very rude to me and made remarks about not wanting to my payments, I have been on time with every payment. She didn't believe me and told me she would wipe all other accounts that I had with that bank. I truly honestly had to close my account and she won't take the new account. I have already got my new insurance ready to go just need cancel my old insurance. Would I be mean if said I am canceling because someone was rude to me and made my ordeal a joke?

17 year old and car insurance policy?

my mothers insurance company called her today asking if i had my license. when she responded no but i was thinking about getting it, they said if i did get it, she would have to immediately put me on her policy, even if i DON'T have a car. sounds like some bull to me but then again ive never done this before. to insure a 17 year old male with the car i would have would cost her 3 grand a year anyway which isn't gonna happen. she then asked if i could have my own policy in my name and was told yes and it would be completely in my name and i wouldn't have to sign on any ones policy. as far as i know, i cant sign a legal contract until im 18 because im still a minor in the eyes of the law. (her insurance company is allstate by the way) my questions are-- (1) do i have to be put on her policy as soon as i get my license even if i DON'T have a car? (2) can i have my own policy in my name being a minor (17) with no existing credit history?, and if so (3) can anyone recommend some of the cheaper insurance companies for teens, or is 3 k a year about the norm? 10 to the best answer. thanks.

insurance quotes louisiana

Does Auto insurance go down automatically after the age of 25?

If I drive a small and cheap car...

Whats a cheap affordable classic for a young man?

im 20 had my lisence for over two years but i can never afford insurance! i dont live with my mummy and daddy so i cant blag there insurance, and i also cant borrow money from them! so if you have ideaas for me i would prefer a TAX exempt classic? any ideas? thanks

Small business insurance?

I'm thinking abouit starting up a small cleaning business and I'm wondering about how much it would run in Pa for libability insurance.

Im wanting car insurance, what would be the best one for me?

I am buying my first car, and getting a 1996 BMW 318i , im 18 years old, have a restricted licence, havnt had any driving convinctions or crashes and I live in NZ, Im just wanting to know what insurance would be best for me either Full or 3rd party etc, and how much that would roughly cost

What is the best rate (cheapest) for basic liability car insurance in ontario , primmum insurance told me?

thier rates is 135.00 / month and i have perfect driving record ,can any one help me plz

Average price for mobile home insurance?

I am thinking about buying a mobile home from a family member and was wondering if anyone could give me some ideas on how much home owners insurance might cost

Where can i get cheap full coverage auto insurance?

I am buying a 2004 Pontiac Grand Prix and I need full coverage for it. I am looking around $150.00 a month MAX. Thanks!

Car Insurance Help!!!!?

Im 18 years old and for graduation present my father said i could pick a car I was thinking a 2007 mustang shelby gt500 i was wondering what is the insurance rate on a 18 year old with no previous accidents and i was thinking also a 2011 mustang gt and what is the insurance rate on that as well and for the last car a 2004 cadillac xlr what is the insurance rate on these 3 cars Thank You

Where can I get the best Auto Insurance Quotes?

My semi-annual auto insurance renewal is coming up. I've shopped before and I think I'm already getting a damn good rate, but still I'd like to try to get an even better rate. I've tried both Geico and Progressive, and both quoted me over $200 higher per year than I already pay. Any other good suggestions? This would be for coverage in California.

How much have you paid for classic car insurance?

I have just bought merc e220 1993 and looking for cheap policy. Im over 30 female and got a wicked quote for fully comp with a named driver for 180. What have you paid?

Whats the best insurance for the self employed?

We need some insurance, but don't have a ton of cash.

Will my insurance cover my newborn?

Ok right now i have Gateway, (I know, not the best insurance) my fiancee does not have insurance threw his job, but will my insurance cover my babys when she is born in September? Or how do i go about getting it?

Whats the insurance for a first driver teen?

Im gonna be driving in a couple mths and i need to know a ins rate. I will be getting a 1998 Ford Mustang V6. I live in Houston, Texas. If u know leave an answer. Thx

What is grandfathered health insurance coverage?

I am trying to define the Health Care Reform Act of 2009 in plain English, and I keep coming across the phrase above. What does it mean?

Paying car insurance annually?

I want to pay my insurance annually. I read something about rates being subject to change for many reasons. If this happens, will i receive a bill saying i owe more money? or if it goes down do i get money back? Im confused lol. Someone help?

Does car insurance go up if you get your drivers permit?

will my parents car insurance go up if i only get my permit?

Insurance question?

Is there any possible way to lower my insurance. I'm 19 years old and insurance is 8000$ per year ( NYC ) . So now i have a problem not with a car but how to lower my damn Insurance. Thank you and Take care.

Where is the cheapest place to get motorcycle insurance?

I am 21 have a clean driving record and have a motorcycle permit. I got a quote of $30 a month that's with comprehensive with a deductible of $100. Is this probably as cheap as I can get?

Is there any low health insurance with low deductible?

I already have an insurance, but my parents don't and my dad can't really afford paying high prices, especially now. I was looking for affordable health insurance with low deductibles because my mom needs to see a doctor really soon and I don't want to delay it because of money issues. Please if you know of any affordable plans tell me. Thank you

How do you find affordable health insurance?

I have a friend of mine who lives in Florida. He had open heart surgery a few years ago. After the surgery was done, the Dr walked in the room and told my friend he really never needed the surgery to begin with. He is trying to find health insurance and he is having trouble finding it because of his heart condition even though now he doesn't have one. Most of the health insurance companies want more then $1500 a month to insure him. How does he find affordable insurance in the US?

Is there more opportunity in life insurance sales or as a real estate agent?

I am wondering what is more lucrative life-insurance sales or real estate. I have a passion for both of them I am just wondering what is the most lucrative and what offers the biggest opportunity to become a millionaire in. I have been offered a position at mass mutual. I have a big interest in investing and stocks. They sell mostly insurance products. But you can also get your series 6 and 7 and sell securites. What is the biggest earning potential, life insurance sales, or working as a real estate agent. Any guidance would be great. I'm on a road trip so If there are typos my apologys.

Auto insurance?

which auto insurance should i get for my 2005 chrysler sebring? i have farmers but its so freaking expensive! i pay 200 dollras every month and i know theres people who pay less i wanna know which insurance would be cheaper? but i want full coverage and everything.

Approximately how much will my car insurance cost?

I am a 16 year old male, I will be getting my liscense soon. I'm going to have my own car(probably an old Honda civic) and ill be added on my mothers insurance policy. And I live in San Diego, and my grades are B's and C's

Where can I find affordable health insurance for my daughters?

Turning 16, Car Insurance?

I'm turning 16 in April, 2012. I'd like to get a car / drivers license around my 16th birthday. My dad mentioned I need drivers ed, a car, car insurance, and hopefully that's it! Lol. How much would insurance be for me, at 16? Any advice, or suggestions abou my situation? I'm a good student in school with a 3.14 GPA, and pretty responsible.

insurance quotes louisiana

Will my car insurance go up if the accident is not my fault?

if i get into a car accident that is completely not my fault, and the other person pays for the damages through his insurance company, will my insurance premium go up too? thx!

Does the official DMV website offer a free point insurance reduction program?

my friend recently complete an online 6 hour class to reduce his insurance rates by 10%. he told me the class was free and that he found it from the dmv official website. but when i go on the website, it only directs me to classes from private companies that aren't free. does the dmv website offer a Point Insurance Reduction Program (PIRP)??? http://www.dmv.ny.gov/broch/c32a.htm thanks!!!

Which Health and Life Insurance Company?

I'm 53 and just become a self-employed. I want to have health insurance what is affordable and trust able. Also I'm thinking about a life insurance - any advice thanks, even in my private email.

Is Arizona's new law racial profiling against persons without driver's licenses and automobile insurance?

If the other guy's insurance pays for damages, does that show up as points that cost me with my insurance?

My son was rear-ended today. Damage appears minimal, but there is damage. If he has the damages paid for by the insurance company of the man who ran into his car will that cause my son's insurance rates to increase? I seem to recall that insurance companies share information, but am not sure about this issue. Thanks in advance!

Is there any cheap health insurance that have good coverage in california ?

What are peoples opinions of the affordable care act?

I am not that informed about it and curious how people feel about it

19yrs old car insurance?

Im 19yrs old and I got into a bad car accident when I was 15/16 yrs old. It was my fault so I went to court and they told me if I do community service and take a drivers ed class it will be cleared. As if the accident never happened. So now I want to get my own car insurance since I don't have anyone to get it for me. Will it so show that I got into a car accident ? Do I answer yes I've been in a car accident in the last 5 years? This has been the only car accident I've had so far.

I wanna some good health insurance?

I need some if possible cheap health insurance, including dental... Please help!

I live in Florida. Can I get renters insurance to protect my things if I live with my parents?

I should add that I'm not a student and 24 years old.

If I get my speeding ticket dismissed will my insurance rates still increase?

I got a speeding ticket in TX, but I'm taking a course to get it dismissed. Will my insurance company even find out about my points if they're taken off my license? And if they do, will my insurance rates go up or is that completely dependent on points?

Car Finance With Insurance?

Hi, i've been searching for a while now for a car finance which comes with insurance for under 25's. Im 21 and being driving for three years and 90% of the time my son is with me so I wouldn't considered myself a boy racer . The only one I found was the just add fuel scheme by peugeot but like any other scheme you have to be 25. So any suggestions would be gratefully appreciated

Can there be two different auto insurances on the same car?

Im a new driver, im 17 and im in the state of illinois. I dont have a license yet, just a permit. My parents only have one car and i cannot afford my own at this time. My parents have allstate and their rates are too high for me. So i contacted another insurance agency and their rates for liability were lower. So, can one car be insured with two different insurances?

Would I be eligible for California In-State tuition?

Im graduating from a foreign country, and im an american citizen. If i were to move in with my gradparents who live in california and are cali state residents, and they become my gaurdians, would i be able to recieve in state tuition? Or do i have to wait a year, work, and become a resident? Does it make a difference that im graduating from a foreign country? Im taking my sat 1's. If now, what do i have to do step by step?

Can I legally drive my fiances mothers car; will her insurance cover me?

I'm 20, I will be 21 in a month. I got my Provisional Drivers License today. I have a toddler, and am pregnant. We live in Calvert County, Maryland. My fiance and I live with his parents, we rent 2 rooms. His mother is 69, and has All State car insurance, not sure what plan. Can I legally drive her car infrequently, like to the grocery store, or to OB appointments here and there without having insurance myself? Does it depend on her plan? She's going to call them tomorrow to see, but I'd just like to see what answers I get on here tonight. Any help would be appreciated, thank you.

When the term is up on term life insurance, what happens to the money you paid? do you get it back?

im in my early twenties and im looking for life insurance outside of my job. i want to know if you sign up for term life insurance and the term is up what happens with the money you've paid? or is it just better to sign up for whole life insurance?

16 year old first car - Camaro?

I just turned 16 a few days ago and am looking to buy my first car. I really want a 2010 camaro ss with the 6 speed manual, but i am open to any suggestions. I'm a really responsible kid and i get all A's and B's in school. Plus i own my own business and can definitely pay for a new car, insurance, and gas on my own. Your thoughts and any suggestions would be great. Thanks.

What's the average insurance cost going to be for me? (motorcycle)?

18-19 year old Air Force female riding a low power motorbike in Texas. No previous driving accidents or tickets. What else can affect my cost?

Car Insurance liability question?

My husband recently got into a car accident, in CA, he rear ended a car in front of him. Our insurance liability coverage is only $10,000 property damage. So we have received a letter from our car insurance stating that the amount owed may be in excess of the $10,000 property damage limit. Does anyone know what happens at this point? We don't have any assets that they can take away, I'm on leave from my job starting on July, we seem to be living from paycheck to paycheck and now with this, I'm just worried since I don't know what is to come? If you have any additional questions, please ask thanks to those that respond.

Quick insurance quotes with no personal info?

Hi, I'm doing some research into what I want my first car to be. I've narrowed it down to the original Golf GTI, original Mini Cooper S and the Peugeot 205 GTI. I love all these cars but I need to insure them for a 17year old boy. I am a careful driver but you know how expensive insurance is. I live in the UK and want a quick insurance quote without having to put in all my details such as where I live. Any websites that can let me do this? Thanks!

Chevy camaro insurance?

How much is the chevy camaro insurance a month please answer asap it's important bc my daddy said it's time fa me to starting looking at cars so I can hv one my senior year

Best overall car insurance company?

In your opinion (or based on any experiences) what is the best kind of car insurance?

How do I get health insurance if im 17 and not living in the same state as my parents?

Im a 17 year old male and im moving from Georgia to California. I need health insurance and im trying to figure out if I can stay on my parents health insurance until im 21 or do I have to get something else? please help

How much does THIRD PARTY CAR INSURANCE cost in New Zealeand?

Where can I find drivers programs that will help me lower my car insurance rates?

I am a high risk driver. I am 20 years old, and would really like to lower my monthly payments. Could you please tell me of any programs in Kansas or national programs that I could participate in that would lower my insurance? BTW, idk if it matters but i get my insurance thru dairyland.

insurance quotes louisiana

Im 17 and getting my liscense soon how much will car insurance be 4 me with a used car that will b in my name?

I will be getting my drives liscense soon and my parents are putting limits to where i can drive and when and i wont be able to drive it when ever i would like, how much is car insurence gonna be with me for a used car that will be in my name ?

Drink driving & car insurance?

Does anyone know of any car insurance dealers that are kind(er) to drink drivers? All my qoutes are high and I just don't have the money to be forking out on car insurance. I have just bought my first flat and have a baby on the way...I wish they could see that circumstances have changed!!!

How to find cheaper auto insurance?

i have a 98 honda civic, and got an insuance quote from geico.com the quote was $365/month thats ridiculous, i dont even make that much every month any suggestions?

Cheap Car Insurance for a 17 year old ?

I am looking for car insurance in Britain. I am 17 next month so I am looking at provisional prices which aren't too bad. I was curious and put in my birthday a few months earlier and said i had passed, the price was in excess of 4000, for a car worth 1000 ? I then put in the details of a friends new car, hes 17 and only just passed. Rich and got a 2011 bmw 1 series top of the range, quote was 9,500. How can a 1000 car be only 5000 cheaper than a 30000 car, none of this makes sense ? I know we are 4 times more likely to crash but does anyone know of any cheap insurance companies for 17 year olds just now ?

Does my degree affect my car insurance?

I'm looking at buying a Nissan Micra, and I've noticed whenever I enter my information and the websites ask my occupation I enter student and each website asks whether I study Medicine, Nursing or Teaching, and whether I study from home or live away. I am in fact a nursing student (mental health), living away, and I just wondered whether this makes my insurance more expensive or cheaper than someone doing a different degree such as History, Physics etc.

How much does a filling cost with insurance? like an estimate?

I'm 19 and clueless, and well i decided to get Metlife insurance, (safeguard) anyways , i know it depends where i go and etc, but i want an idea... just typically speaking

BEST CAR INSURANCE?????????????????????...

Generally, which car insurance company has the best price for full coverage for a 19 year old female. I know many things can change the price, but I just want a general quote. note: I want to insure a 2006 traillblazer, 4-door with 18,000 miles.

Cheap car insurance?

what car made after like 93 would have tthe cheapest insurance?

Obamacare supporters, question for you.?

Actually a few questions. Which magic money fairy will appear to bestow money upon those who couldn't afford insurance before the mandate to allow them to afford it after the mandate? The Obama administration has already granted enough exemptions that the whole concept is pretty well doomed. Is there another magic money fairy that will appear and make up for all the exemptions they've already given? If your old enough to remember when your state made auto insurance mandatory how many fold did your auto insurance go up in the next five years. Mine went up %350 after insurance became mandatory. In light of this how would you not expect health insurance costs to do the same. Hasn't Obama essentially created a monopoly and forced American citizens to throw their money at health insurance. Given that half or more of the cost of seeing a doc IS insurance itself. Wouldn't LESS insurance be the answer not more insurance? You go to a clinic that accepts no form of insurance and you are paying only slightly more than folks pay in co-pay. Then your done. The insured usually gets a bill for at least part of the visit that's not covered and on top of that they have their premium deducted. For most people insurance is a losing proposition. Insurance companies being for profit institutions will go out of business if they don't make a profit. As such mandatory health insurance means you will certainly pay more for health care than if you pay out of pocket. The discounts given to insurance companies do not make up for the overhead costs that insurance companies force providers to go through. Nor do they make up for the no pays and slow pays so common from insurance companies. As such one sure way to raise the cost of health care in the US is to require insurance. If you got more out of it than you put in the insurance companies would go broke. Insurance companies regularly restrict activities and or penalize people for engaging in what they consider high risk activities. Athletes are especially restricted. Having a monopoly why would they not do the same for everyone? Snowboarders, Smokers, bungee jumping, riding a motorcycle all dangerous activities already prohibited by many insurance policies. How do you propose to prevent insurance companies from becoming lawmakers using collusion which they openly engage in already to prohibit activities? Before Obamacare if you didn't like it you just did without insurance. Insurance companies have had to be conservative with what they mandate and prohibit because of that choice. With that choice gone now what? Insurance companies have regularly engaged in activities to the detriment of a patients welfare in the past. HMOs especially forced Docs not only to give patients substandard but cheaper care they have gone as far as prohibiting doctors from letting you know that you cannot receive the normal standard of care because of restrictions by your insurance. The unprecedented power handed insurance execs by Obamacare will clearly change how medicine is practiced in the US and that doesn't worry you? If everybody has insurance then insurance companies will dictate to Docs what they can and cannot do as they do if Docs participate in HMO and even some PPO programs. The idea that we MUST purchase a product, doesn't that bother you? Today it's health insurance. Tomorrow maybe it's socks. How can the Gov FORCE you to buy anything? Don't hand me the auto insurance scam. Mandatory auto insurance hasn't significantly reduced accidents, hasn't reduced losses to uninsured drivers. It has made insurance far more expensive for all. It does violate a basic principle of individual sovereignty that is supposed to be a key component of any free society. What will they make us buy next? In 20 years will gov mandated expenses consume the entire budget of the average American? How do you stop such a beast once it starts rolling? Millions of Americans will lose everything they have because of Obamacare. They will make just a little too much to be exempted or the time/effort to get an exemption will be impossible given their work schedule or they will have a valid exemption or be rejected for invalid reasons and unfairly prosecuted. Sure they might eventually get it straitened out but not before it gets them tossed in jail. Literally millions will be left homeless by this law in the first 5 years. Doesn't that bother you?

Who do you think would have the cheapest car insurance for an 18 yr old who has just passed her driving test?

Unlicensed Driver / Settle w/o car insurance?

Someone borrowed my car and got into a minor accident. Turns out they have a suspended license :( He told the other driver he would pay for damages, just give him 2 estimates. He didn't get the other drivers info at all (grrr!) .. only gave him info from my insurance card and his cell number. A few days go by and no contact from other driver. Today my insurance company calls me asking for details! :( Now what do I do!? Can this still be settled without the insurance company?? I've never had to deal with insurance companies before so I dont know what to tell them and I want to minimize any trouble I may be in now thanks to friend who borrowed car!

Is there affordable insurace for me?

I am currently employed at a wonderful job with great insurance, but my baby is due in January and my husband and I would really love for me to be able to stay home. The only problem with that is, my husband is self-employed and we would not have insurance if I quit my job. We live in Missouri, is there affordable insurance out there for us. I have looked into Medicaid, but I believe that my husband makes just a little too much too qualify. Any help would be greatly appreciated

Young driver car insurance help?

I am 17 and have a 57 plate 1.4 peugeot 207. My dad took out insurance on it with Quinn direct with me as a named driver while I had a provisional license. It cost 1250, but now I have a FULL license they want a further 2000! What do you all think of this and if anyone has any suggestion of any other insurers that might be cheaper please say. Thanks

When does car insurance go up in relation to an accident?

I was backing out of a parking space, and the car that was parked next to me was closer to me than I thought, and I scraped the side of their car as I backed out. I left my information, and filed a claim with the insurance. My car was fine, hers was scratched pretty significantly. Anyway, I'm wondering how car insurance works in terms of covering things like this & in terms of increasing rates after an accident . Do the rates go up regardless? Do they go up a lot? Or does it depend on the severity of the incident? FYI I have never had any moving vehicle accidents or tickets. Any help would be appreciated...I'm kind of in the dark!

Do you still have to get insurance if you have a license but don't have a car?

I'm 17 and want to get a driver's license. I won't have a car for a couple years, so do I still need to get insurance?

What does your car insurance company do for you?

If you are not at fault in an accident, what will your insurance company do in order to get your car fixed? How much help will they give you, or are we supposed to settle everything, make the calls etc. with the other carriers insurance. I was hit from behind while I was stopped at a yield sign. The other drivers fault ( a no-brainer). Yet I am getting different information from my agent, the other drivers agent, and even the auto-repair shop !!! Any feedback will help greatly.

Who is looking for affordable health insurance?

life insurance, health insurance, long term care

Uninsured driver with no license driving car with insurance hit my car.?

A teenager hit my car. He had no insurance, no license, but he was driving a relative's car that did have insurance. There is no question he is liable, everything seem to be going well. But now there insurance company is telling me they are disputing wheather or not the kid had permission to drive the car. What are the chances I'm gonna get screwed here? And what should I do?

Insurance.....?

My storage builing was broken into and some of my things were stolen... i have insurance on it and I called the insurance company to report it. I'm waiting for the adjuster to call me back to see what all was taken... what can I expect? Are they gonna have to do alot of research... how long is this gonna take?

What does it mean to have full coverage?

It's too late to call a auto company so I am asking it here, I live with my girlfriend and was wonder about getting full coverage on my car, we want to know if I get full coverage would she be able to drive my car legally without putting her on my insurance?

Will my dad's car insurance go up if I get my license?

I'm 19 and want to get my license without getting my dad's car insurance going up.

What company offers a good affordable rate for car insurance in the state of Maryland?

I'm just moving out of Virginia into Maryland and I am very overwhelmed by the high premiums that I will have to pay oppose to the lower premiums that I was paying for 2 cars in Virginia. Does anyone know a good cheap car insurance company? Thanks!

Is it against the law not to have car insurance in Illinois?

My friend just got her liscense but she doesnt have car insurance. She drives her parents' car, n the car insurance is under their name, not hers. But i also know that they do not hvae enough money at the moment to add her name to their insurance. Is this wrong? if so, how wrong? What would happen to her if she ever got caught?

Where can i get cheap and full coverage auto insurance?any good suggestions?

need full coverage for my car . I am looking around $150.00 a month MAX. Thanks!

Car Insurance Question?

My fiance and I want to buy a new car - and I am the primary buyer, and he is the co-buyer. Can we just add the new car to his auto insurance and list me as a driver of the car? (My current car is not on his insurance, it's on my moms because she helped me get my current car) Or must we be married to do this? I have heard that if you're not married, then I would need to get my own separate insurance policy, but I don't know how true this is. The dealership says that it doesn't matter, as long as the car has insurance. Do they check?

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