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Question about car insurance?

a friend of mine parked his car in another friends shed.The car was an 18 yrs old golf.The problem is that the car went on fire and took shed and all.When the owner of the shed checked his insurance he had it under insured.My question is though should the car insurance cover the building of the shed and its contents?The grand total would be 23000 euro.The shed and contents were only insured for 3000euro and the car was only insured for 800euro?

   








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Can I get liability insurance from an insurance company and collision only from another ?
I went to Allstates and GEICO to get auto insurance the first gave me cheap liability and very expensive collision and the other is the opposite ,can I liability insurance ( bodily injury and property damage) from allstates and collision from GEICO ?"


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Hi I'm looking to get myself and husband full covered medical and dental insurance monthly priced? we live in florida. I want to do like a family plan maybe. If you could give me seperate prices on the dental and medical, it will be greatly appericated:)"


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Question about car insurance?
a friend of mine parked his car in another friends shed.The car was an 18 yrs old golf.The problem is that the car went on fire and took shed and all.When the owner of the shed checked his insurance he had it under insured.My question is though should the car insurance cover the building of the shed and its contents?The grand total would be 23000 euro.The shed and contents were only insured for 3000euro and the car was only insured for 800euro?


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Are out of state traffic citations automatically reported to the car owner's insurance company?
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I was in parking garage and the car in front of me suddenly started backing up after he passed a spot he wanted and caused 2k in damage. He apologized and said he didn't see me despite my vicious honking. I called police, he admitted he was at fault and he got an improper backing up ticket. Police report says he was at fault and detailed what happened. I called his insurance and they called him and now he's saying i rear ended him so they denied liability! A witness even corroborated what happened and so they called again and he still says I'm at fault. My insurance adjuster called them and they're refusing to accept liability. They say most times the person behind IAS at fault. MOST times but not all, especially in a damn parking lot. They're going against the report, witness, and me in favor of their insured. They say we can go to arbitration. So you think, given all the facts, i can win? At least 50/50 because i need my car fixed. I fixed the radiator bit the bumper and hood are messed up. They're saying the police report isn't valid since the police wasn't there. When is the police ever present in an accident?"


"Life insurance question - whole life, bank on yourself/infinite banking, term life?"
Hello, my husband and I are in early 40s, with a 1 year old son. We both work full time. We bought a house on a 30 year mortgage last year. We are looking for a life insurance for each of us and inquired the same company that has our car and home insurance about it. We arent really knowledgeable about various insurance products. We knew there was term and permanent life insurance, but not about different permanent options (whole, universal, etc.). I had imagined that we would go with a cheap, term life insurance. When we talked with the agent, he started off by talking about bank on yourself (infinite banking) concept. We finished the meeting without digesting all the information, but after looking at various information on the web, Im still not sure if it is a good idea or not. What we want the life insurance to cover if one of us dies now/soon is at least half the cost of raising our son (until hes 21, so maybe 20 more years?), half the remaining balance on the mortgage, funeral cost, and amount we would have saved in the coming years for our sons college. I tentatively calculated that to be about 300,000. However, if we dont die until were 70, most of our mortgage would be paid off, we would have already paid for his college tuition, so we dont need that much coverage. I have read that people should re-examine their insurance needs periodically and adjust their coverage from time to time. But then I imagine if we re-examine and adjust our coverage when were 50, 60, or 70, our premiums would be much higher (assuming adjusting our insurance=change to smaller coverage would be equivalent of starting new policy; please let me know if this is wrong). I wonder, if taking a whole life policy and taking the money out (=banking on ourselves) for our sons tuition and some additional principal payment on the house would be a way to adjust the size of our insurance, without increasing the premium (from refreshing our policy at an older age)? If we take out that money from our policy and not pay back in full, then I imagine our death benefit would be smaller, but thats fine if its after weve paid for most of our mortgage or our sons tuition. Is this thinking on the right track? What I understood before is it is usually the best to buy term insurance and if you have extra money, invest in other vehicles, rather than buying more expensive insurance. Would this still hold true in this case as well? Also, if we are to look around into other companies, which ones do you recommend? I also dont quite understand paying back what you withdraw with interest when you bank on yourself. Who are you paying the interest to to the insurance company (theyre making profit, Im losing money), or myself (we're making money)? Another question: in the whole life scenario that the agent showed us, the cash value does not seem to exceed the totally premium paid until 18th year (cash surrender value in non-guaranteed illustrated values), and in guaranteed values scenario, the guaranteed cash value never exceeds totally premium paid. Is this common? Its dividend also never seems to reach the point where it pays for itself (amount of dividend >premium). Does this seem right? I would appreciate your input. Thank you!"


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Why won't an insurance company insure me since I had a claim in the last 5 years?
I had a fire claim in the last 6 months ($30,000 claim), and I am not happy with my current insurance company. It has taken them 6 months to pay out. I have been trying to get a quote from different insurance companies and they all say that they cannot give me a quote because I had a significant claim the last 5 years. Does anyone know of an insurance company that doesn't have this policy?"


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Is my daughter covered under my car insurance?
My 18 year old daughter finally got her drivers liscense (how i do not know) She has had it for four days. Last night I let her drive before I put her on my car insurance. She hit a car . I wanted to pay the guy out of my own pocket but it looks to be $4000 in damage. Im pissed .


Question about car insurance?
a friend of mine parked his car in another friends shed.The car was an 18 yrs old golf.The problem is that the car went on fire and took shed and all.When the owner of the shed checked his insurance he had it under insured.My question is though should the car insurance cover the building of the shed and its contents?The grand total would be 23000 euro.The shed and contents were only insured for 3000euro and the car was only insured for 800euro?


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I'm about to start driving in a year or two, and I want to know what the price range for me would be?"


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What do you think America can do to make more health insurance affordable?


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I had an accident last week for which I was not at fault. The police department clearly agreed with me and they gave the traffic ticket to the other driver for reckless driving. I filed a claim with the other driver's insurance company and they say they are investigating the accident. I asked how long it would take for them to fix my car and they said that if they thought they were responsible they would pay for it, otherwise they would not cover the costs of repairing my car; which are pretty elevated. Can they do this? I have a police report which clearly states that the accident was not my fault. What should I do if they deny my claim?"


Where can you go to get an eye exam if you don't have vision insurance?
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afford"" insurance? My golfing buddy"


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My sister bumped another car when she was backing out, when the car saw her backing out but still went ahead and there was no damage. My sister, in a moment of insanity, gave the woman, who is an attorney, her insurance number and some other information. All she took from the woman was her name and email. Now we have a claim coming in. We have no idea what to do. She is still in college, and is under my parent's insurance. There was obviously nothing wrong with the car. My parents are beside themselves with worry, because the claim could mean anything from $50-$20,000. Words cannot explain my anger towards my sister's naivety in the human race. What can we do? We will know more about the claim tomorrow."


I work for a small company where I pay quite a bit of my insurance premium. Any advice on how to avoid this?
I want to have good insurance, but at the same time don't want to pay an arm and a leg."" One thing I'm considering is purchasing insurance from Costco"


Is there a good health insurance for college students?
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Inestment in Gold or Life insurance ?
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"What is the absolutely cheapest, most minimal insurance coverage?"
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Question about car insurance?
a friend of mine parked his car in another friends shed.The car was an 18 yrs old golf.The problem is that the car went on fire and took shed and all.When the owner of the shed checked his insurance he had it under insured.My question is though should the car insurance cover the building of the shed and its contents?The grand total would be 23000 euro.The shed and contents were only insured for 3000euro and the car was only insured for 800euro?