Actual cash value for insurance claims?

Actual cash value for insurance claims?

If you are paid the actual cash value for your damaged personal property, do you have to submit receipts to the insurance company or is it only to receive the replacement cost? Thank you!!

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


RELATED:

Should contractor charge the owner extra for carpenters to cover their insurance/benefits/etc?

Throughout my remodel project I’ve been charged $50/hour for carpentry labor… after discussing on how I felt it was quite inflated he claimed he has to pay for their insurance/etc. Is it normal/fair for that to be a logical explanation for the increased cost? Or should his company and profits be paying for those separately. Not factored into the hourly wage charged to a project owner.


How much does dog kennel insurance cost ?

for a college business plan


What Costs more, Provisional Insurance or Fully UK licence Insurance?

Every one i talk to Says provisional is more money. But i did some quotes Provisional came to £800 Full Licence came to £2000 This makes no sense as everyone I have spoken to is obviously wrong then. or am i doing something wrong


What are my options for health insurance?

So right now i have no health insurance. I had partial insurance but was taken away last January because i exceeded what they called something like the poor people income. They offered me a super expensive health insurance at my job and when i tried to apply i was told i missed the deadline. I need to get health insurance but not sure which one i can get. I tried calling MassHealth and they deny my request because my income lets say is between 45-55k. Any advice if how i can get insurance? And also if i make between that range and i don’t get insurance what will i have to pay at the end of the year if i don’t get insurance?

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes

Life insurance Vs. Investing $$ ?

just a thought …I have 40k life ins through work which of course would double if u died in a accident..Then accidental $$ with bank etc..I recently got a extra policy through state farm for 100k 20 year tearm…..im 45 years old an my wife is 42 years old…im a weightlifter an over weight but my 315 lb 5’11 body doesnt tell my whole story..anyway….my monthly rate is 70.00 an wifes is 30.00 an kids riders are 15.00 total..,..I was thinking instead of paying 70.00 a month for mine i would just get my wife an kids policy an invest 70.00 a month an be in my own control…is this a dumb thought? i understand that if i do die withing next 20 years the 100k policy is best route but geez 70/mnth is hi for 100k policy.. thoughts /advice/ideas welcome..thanks


Mis sold car insurance?

I had a car crash around christmas time. However, there was a lot of miscommunication with the car insurance people – constant ringing, people telling me different things etc. My car was written off, no injuries or anything. It ended up being 50/50 fault. However, I was eventually told that I would not get anything – I would only lose money paying storage fees etc. because my car was worth less than my voluntary excess. Eventually we persisted and when we said that we thought we had been mis sold the policy, they agreed to pay the estimated value of my car to cover storage fees for me and have my car scrapped. We agreed, because I was worried I would have to pay money that I couldn’t afford like they originally said. But now I regret agreeing. I’m sure they mis sold the policy – what would be the point of having insurance if I would have to pay myself? No matter what the circumstances I would always have to pay extra. It doesn’t make any sense, I may as well have not had insurance. They only covered my car amount (it was a cheap first car) because we persisted and persisted. However, since we agreed to that amount and I’m not with them anymore (no car to insure!), does that mean I can’t complain about being mis sold the policy? Am I too late?


How much to insure for drivers insurance?

Im 16, so I know it will be expensive. I will be getting a 4 Cyl car, either a Honda Prelude, Civic, Accord, Nissan 240sx, something along those lines. I took a drug and alcohol class which takes off 15% and then I got a B average which takes off another 10% can someone please tell me how much it would be a month? Thank you


Actual cash value for insurance claims?

If you are paid the actual cash value for your damaged personal property, do you have to submit receipts to the insurance company or is it only to receive the replacement cost? Thank you!!

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


How much does it cost to delivery a baby without any insurance?

Hi, I’m currently living in Miami, Florida. My girlfriend is pregnant. Can she still purchase parental insurance? Both of us are international students. Can she get any benefit from government or local healthy department? Also, I’d like to inquire the cost of delivering a baby without an insurance. I hope somebody who has experiences can help me out, thank you!!


How much does car insurance for minors cost?

I live in Victorville, California and I’m 16 years old. What is the average price for car insurance in my area and for my age?


Does your car insurance go up if you get a parking ticket?

I was just being dumb today and I parked in a neighborhood where you can’t park. I accept the fact that I was in the wrong and all that. The fine is $80. What I’m most concerned with is whether or not it will increase my car insurance rate. My first thought was no, because it was a parking violation, not a driving violation. But considering how crazy car insurance companies are, I just am not sure. Any help? Thanks in advance.


If you change your homeowners insurance to a lower rate does your escrow rebate you the difference?

We have a policy with Travelers that was $1047.00 a year. I shopped around for new insurance and now have a new policy for $538.00 for the same coverage but the house value has been adjusted to what it is actually worth now (it seems that they were still working off of the value during 2006 when we got the policy). The new policy will become effective as soon as the old one ends on July 1, 2009. However I’ve paid into my escrow all year for what the anticipated bill of 1000 was going to be for homeowners, now there is going to be extra money in the escrow account, as well as all the money that is in there for my taxes (enough is in there to fulfull that obligation as well). My question is will Countrywide (now BOA) refund me the overpayment into escrow? I wouldn’t mind if they put it towards the principle of the home but I would rather put it as a payment against my credit card (also through BOA) instead. And also, how long does it take for the Mortgage company to readjust my payment as my insurance is now lower (in the past when my premium had gone up they adjusted the mortgage payment to put more into escrow), but now it will not need as much. AGain, I wouldn’t care if more was put towards principle but I would like to get my CC paid off sooner and it has a higher interest rate than my mortgage.


Does the owner of a car have the be the primary driver on the insurance?

I’m not far off from passing my driving test (in the u.k.) and my mum is giving me her old car (she’s got an new one now). I’ve looked at insuring me as the primary driver and it would cost around about £1000 but if i’m set as the secondary driver and my fiance is the primary driver it’s around £300 or something my dad says. My questions are: If i’m registered as the vehicle’s owner do I have to have insurance with me as the primary driver? Also, Is it a problem if my fiance is the primary driver on my car as well as his? I’ve read online somewhere that he can’t be the primary driver for both cars (wasn’t sure if the site was referring to in the u.k or elsewhere in the world though)


Is it legal to put my car insurance under my mom’s name?

Ok, I just got my drivers license yesterday and and thinking about buying a car. I don’t know the slightest thing about car insurance but I heard that It can be put under my mom’s name as long as she agrees to it. I’ve been told insurance is going to be high because I’m 21. Is it legal?? How much would car insurance be??


Can my mother cash in a life insurance policy she made out to me?

My mother has incipient dementia and has spent or lost all her money except (she says) for this policy. There’s no need to get snarky, people.


What is the best animal insurance?

What is the best animal insurance?


Actual cash value for insurance claims?

If you are paid the actual cash value for your damaged personal property, do you have to submit receipts to the insurance company or is it only to receive the replacement cost? Thank you!!

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


After getting health insurance how long to wait before getting pregnant?

My husband and I have been married a little over a year now and we are trying to find a good health insurance plan for the two of us to be on. We would like to start a family as soon as we can, but I have been told not to tell insurance companies that because they will not cover us. I am wondering how long after we get insurance do we have to wait before we start trying to have a baby. I am also wondering if anyone knows of any good insurance companies for young couples looking to start a family. Thank you.


Any way I try, I can’t seem to get Car insurance for less than £4000!?

I passed my test last week on Thursday, found myself a VW polo yesterday, and cannot seem to get insured for less than £4000. I’m 17 years old, just passed, no previous problems or anything, full UK passport etc. The car is a 3 door, 1 litre hatchback. I’ve attempted to get quotes on other cars as well. I’ve also tried applying as a second driver, with my father as first. He has 9 years no claims discount and a perfect motoring record. The result is the same. Nothing for less than £4000. I don’t understand why it is so much cheaper for others around me to get such cheap insurance! A girl i know got insured a few months ago on her old Citroen A3. She’s also 17. The company she found quoted me £4103, whilst she is paying £1300! Where am I going wrong?


Do I need my own insurance to rent a car?

I am a US citizen but I live outside the country. I’ll be coming to the US for about two weeks over Thanksgiving and will need a rental car to get about and between the two places I’ll be staying. Since I live outside the country, I don’t have my own personal car insurance, as the country I live in doesn’t require any. I have a PA driver’s license, so I’m fine in that department. I just want to know – since the rental car companies don’t explain anything – whether or not I need to have a my own insurance to take the car off the lot…OR, since the rental car companies are required by law to have liability coverage, which is the PA state minimum, am I able to just drive the car off the lot without ever giving proof of insurance. As far as I’ve been told, the last part is generally the standard – with the caveat that if I were to get into an accident, I would be responsible to all damage done to the vehicle itself, as well as myself. But I just want to make sure with anyone who’s in the know.


Car insurance?

Car Insurance help? I have a provisional liscence and my husband has a full liscence. Our insurance is full comp. He is covered to drive any car. Does that also apply to me if someone is sat by the side of me.


Who is the cheapest car insurer for 2011?

my car insurance has gone up £140 this year


Auto insurance??

im paying too much for my auto insurance and im just wondering if i can put my mom as the only driver. that will reduce a lot of monthly payment. the car is under my name but its just too much money to pay insurance….. is that legal?


Can your mortgage company make you insure for more than the normal insurance in your area?

If it cost $300,000 face value (replacement cost), and the mortgage company only has a $309,000 mortgage, how can they make the owner have a $500,000 policy? The extra premium would not only not merit a pay-out if there was a loss…right the insurance company is only going to pay what the actual value of the structure. They don’t insure the dirt its sitting on…right?


How does a police report affect car insurance if theres no claim made?

While in walmart my car bumper was hit by someone or something and though there is damage its not horrific. I seen nothing and the stores camera didn’t catch anything so its a loss cause really. If I file a police report I’ve been told the insurance company will be notified but will being notified of the report affect my insurance if I don’t make a claim and it was a hit and run while parked? Ive never been in any sort of accent in my many years of driving and Im confused

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


What can my home owner’s insurance do about mold?

While some are saying here that it is excluded, on my policy it says I am covered for fungi and other microbes” . I have asked my insurance and asked if this means mold


How do I get my insurance lower?

I am 20 years old, made one claim and coming up to 1 years no claims bonus, I am looking at a 3ltr GTO and i’m absolutley in love with it, the insurance is average 6.000. All I want to know is, what can I do to get the insurance down? as in, tricking the system, ive already tried using my mums name with me as a named driver and its the same price, what little things can I do to make the insurance as low as possible, please help.


When will my motorcycle insurance lower?

i live in florida im going to start riding soon probly start out on a ninja 650r but i wana move up 2 a zx14 after a while(my dream bike) but the insurance is nuts on it like 800 a month now on the 14 the 650 is like 120 with amazing insurance and 250 deductables when will my insurance drop? does it go by age or experience?


I m moving from FL to AL – Just turned 20 and I got my drivers license last September. Will I need to retake any tests to get an AL license?

I m moving from FL to AL – Just turned 20 and I got my drivers license last September. Will I need to retake any tests to get an AL license?



BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes

Driving my mom’s car but not on her insurance…am I covered?

My mother is letting me borrow her car long term. I’m 20 years old and can’t afford the insurance on a policy in my name. What are other options? My driver’s license reflect my campus address. I’m currently driving my mother’s car which is registered in her name, on her Geico insurance policy, both have her address out of town address (I’m not listed as a driver on the policy, but I’m also not excluded from the policy) I’ve been told several things. I’d like to believe that if I happen to have an at fault accident, that the claim will be honored and that I’m not obligated to be on the insurance since my mom is supposedly just letting me borrow the car for the week/weekend” Some people have told me that that’s illegal and that the insurance companies often don’t allow additional drivers. If I have an at fault accident how will Geico Insurance handle the claim? Will they honor it since the car is insured? Will they deny the claim since I’m not listed as a driver on the policy?”


Actual cash value for insurance claims?

If you are paid the actual cash value for your damaged personal property, do you have to submit receipts to the insurance company or is it only to receive the replacement cost? Thank you!!


What insurance is best for women?

I don’t currently have insurance, but I want to start going to a gynecologist to see why I’m not getting pregnant. The co-pays are horrendous, like $150 per visit w/o insurance! I cannot afford that every time I walk in, but I can afford about $80 a mo for insurance, but IDK what kind or which to choose that will help me through the gyno visits, and possibly a fertility specialist. If anyone knows the best route for this kind of medical attention, please provide websites or names of insurance companies that apply to this. Also, I live in a small town in GA and there are NO near-by specialists or anything as such, so I’m sure to have to travel at least an hour or more to get the help I need. No, family planning centers, no women’s health centers, nothing! So if there’s anyway someone could give advice for that, please do. Thanks so much.


Medical/health Insurance for H1b and H4 visa holder?

What is the best medical/health insurance ?Is dental,vision and pre natal included? What are HMO/PPO plan?What do i need to know about it? need some input. pls suggest. thanks =)

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


What are my best options for Martial Arts Insurance?

I am going to begin instructing self defense soon, more as a passion than a business, and I am trying to research and find a good liability insurance provider that will cover martial arts training at a low cost.


Do health insurance premium payments count as countable income for social security?

My 64 year old father is looking to partially retire, going from working full time to only three days a week, and offsetting the pay difference with Social Security. According to the SSA website, he is allowed to make $14,640 of countable” income


Financing a car with insurance?

I live in NJ so car insurance is expensive enough. I wanted to finance a used car, i would put down around $2500 and finance the other $7500. But when you finance a car you need collision insurance. Is it cheaper with a used car? I don’t think i can afford both!


If I pay child support for two children and carry insurance and for clothes shoes everything at my house too, will a judge allow me to claim one on my taxes?

We haven’t established custody but their father is the main residential parent


Car Insurance For A 17 Year Old Male?

I’m 17 and starting to drive and thinking about getting a car later on when I pass, but I’m sure insurance and fuel costs are going to kill me! Can I get some advice and maybe a rough guide to how much insurance will be? I’m thinking of getting a VW Golf Mk1 or Mk2, or a Peugeot 106 Escapade. Could you also tell me if modifying the interior will affect insurance along with resprays and lowering the vehicle. Thank you


What is the best state to get cheap/free medical care for adult? Any states have insurance?

Do any states have health insurance? Or better funding or access for adult care?


How can I find out if I was a beneficiary in a recently deceased life insurance policy? (Please read details)?

In Feb of ’15, my finance’s previous employer and close friend passed away. She was an accountant’s assistant for him and the company was owned by his father, who was also our landlord (we rented an apartment above the office). My finace was terminated from her job about 3 weeks prior to her friend’s death. Due to her termination, the owner put an eviction into process and he started stealing our mail. Now, because we lived in a building addressed to a business, the P.O. didnt recognize the apartment upstairs as a seperate address, so all of our mail went to the business. The P.O. would not allow us to forward or change our address either, I guess due to the fact that it is still a current business. I still do not understand this and it still causes me a lot of frustration. The P.O. told us that we had to individually contact people and notify them of our change of address in order to get our mail and said they would investigate the matter as to why we weren’t getting our mail. Frustrating. Now that I got that out of the way, My fiance was told by a friend of hers connected to the business, that the owner was angry because his son named my fiance as a beneficiary on a new life insurance policy that they didn’t know about and was looking to use a lawyer to thwart the policy. The family of the deceased resented his relationship with my fiance and only harass us every chance they get. Since, we moved out of state and we have no way of knowing what company he used. At a loss…


How much does liability insurance cost for technical ..writing services in Texas?

How much does liability insurance cost for technical writing services in Texas?


If my insurance approved my braces does this mean i still have to pay?

If my insurance approved my braces does this mean i still have to pay?

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


Am i considered the registered owner of a leased vehicle?

I am filling out a form for the government and need to know? My name is on the lease, but I make payments to Toyota


Actual cash value for insurance claims?

If you are paid the actual cash value for your damaged personal property, do you have to submit receipts to the insurance company or is it only to receive the replacement cost? Thank you!!


Why are Europeans very bad drivers?

In the US, so many European Americans cause car accidents which is why insurance companies charge them a lot. European countries like Albania, Italy, Russia, and Poland have many car accidents. I’m white myself but honestly, i think that Latinos, Jews, Asians, and Europeans are not very good drivers. Why are black people usually better drivers than everyone else? Im just asking this out of curiosity. sorry if this is offensive though.


Does insurance get cheaper with age or experience?

(UK) – I passed my test last summer. Just wondering does car insurance for young people get cheaper with how many miles they’ve driven/owned a car/been with an insurance company etc OR is just how long you have had your licence for? Cheers,


Health Insurance for the Frequent Mover?

I plan on moving to a different state about every 3 or 4 months for the next year or two…. While this is a great life experience, I’m finding health insurance nearly impossible to come up with. My employer endorses my desire to move around but says it can’t help with the insurance. So I need something affordable. I don’t have a spouse or any kids and I’m in pretty good health. I just need a plan to cover the basics and emergencies. Have any of you heard of any sort of plan/ company that allows for state-to-state coverage?


How much would a Hyundai Veloster turbo cost for a 16 year old to insure?

Hello, my dad said that he’s getting me a Hyundai for my first car so I’m curious to as how much a Veloster would cost to insure each month. I work a job and i can pay for part of the insurance. I’m not getting a veloster turbo because I want to race, compared to my other friends that want a veloster turbo. I’m a responsible driver that understands the risks and dangers of the road. I am a high honor roll student and I took drivers ed if that helps out with the estimate. Thank you for your time


Have a question about car insurance?

Im currently 18 and just passed the driving test. I reside in bronx ny. I wanted to know how much would insurance be for a used fully paid car under my name?( ranging from ____ to ____ ) Lets say the car is a honda civic year 2000. Or any other better car that wouldnt be high on insurance. Thanks


california car insurance best