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Primary Insurance and Secondary Insurance?

OK - Somebody please explain this to me. My employer has covered me on their health insurance plan. I don't pay for it. But it sticks I can't use it since it has a really high deductible and it doesn't cover necessary annual exams. So, my husband put me on this insurance and VIOLA - I have no deductible and it covers everything. I know, I'm a lucky person. Well, I've been told that I must show my employers insurance becuase it is my primary insurance and I'm lying if I don't show it. But then the doc doesn't want to bill the secondary that will cover everything so I have to pay the bill then submit a claim. Is there some type of law out there that says I have to disclose this really crappy insurance that my employer provides? Not that I don't appreciate it - I do - but it's really only for catastrophic situations.

   








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How can I get my driver's license without insurance since I'm currently trying to buy a car?
yes, I read it right. My mom also told me i needed proof of insurance before i got my license, so its just confusing."


How much would i pay for car Insurance?
How much would i pay for car Insurance for cheap car that cost me honda accord 2000,I am 28 Years old, never been in any accident,I got my license 8 years ago"


Any suggestion for an auto insurance?
I'm currently under geico but I realized that they charge me too much.Do you know any auto insurance that is cheaper?


Did you get your teen a car for their 16th birthday?
Why or why not?


19 year old female just passed driving test. need cheap insurance quotes. is anyone else in the same situation?
I forgot to mention the cheapest quote i have found so far is 2272 and i have used every compare site possible :( my car is a renault clio 1.4 2000 model


Where Can I get Cheap Car Insurance?
I am currently a full time student and I am trying to find Car insurance that won't cost me an arm and a leg. The cheapest quote i have gotten is 2052 (full license) yet im certain i could get it cheaper... I am looking to get a Citroen Saxo, 3 door, as they are meant to be a good first car and cheaper insurance, yet i don't call that cheap! Direct line has put their prices for young drivers up to a minimum of 3000 and the car is only worth 850! I will be the main driver of the car, if not the only driver and as my parents have polices with companies that won't put me on as a named driver I'm screwed. Im 17 year old boy and can't really afford to pay that much.... Anyone know where i can get a reasonable quote from. I expect it to be high but that much - wow Best quote came from Quinn direct"


"Second speeding ticket in California, first one was more than 18 months ago?"
I got my first speeding ticket about 2 years (24 months) ago. I paid the fine but didn't go to traffic school. I got my second one a few weeks ago. Will it add a point to my licence or raise my insurance since I got it more than 18 months ago? Since it was more than 18 months ago, what will happen if I don't attend traffic school and just pay the fine?"


Cheap Car Insurance companies fo 17-20 year olds?
hey im 19 and just passed my driving test, and i can not find vheap enough car insurance, does anyone have any suggestions? thanks"


How should I get car insurance?
Let me explain my situation. I am an adult who has not had a drivers license before and I am wanting to take the test next week to get it. In order to take the test, I must prove that I have car insurance. I have called a couple place to get car insurance and they have told me that I need a driver license in order to get for them to insure me. I have tried to look up quotes online as well, but they also expect me to have a license in order to get a quite? I have no family that will put me on their insurance. Secondary question, how much does liability insurance go for?"


What are the pros and cons of car insurance?
What are the pros and cons of car insurance?


How much do you pay for car insurance?
What company are you with? How old are you? What kind of car do you drive?


When does car insurance go down for teenagers?
i heard recently that now you can start driving as soon as you hit 17 1/2, instead of 18. does this work for insurance too - as in, will the insurance be cheaper if you start driving at 17 1/2, instead of 18? i can't afford the high insurance rates, so that's why i haven't started driving yet, although im 17 1/2 now. This is according to California DMV rules, btw thanks"


What is a fast car that is in a relativley low insurance group?
I was looking at a 1.6 Honda Civic Type S as that is insurance group 6, but they seem to be hard to come by. They are mostly 2.0 and that is group 11 which is too high as I am only 19. Budget is around 3500. Any ideas welcome. Can go over budget and put the car on finance for the right car."


Cheapest way to insure 19 yr old boy with one year no claims bonus?
owns own car,has pass plus. been driving 1 yr on own insurance.wants me to put him on mine as he can't afford another yr on own. Can i do it? Is it legal? Is it cheaper?"


What deductible should I get on my home insurance? ?
My friend says I should get a 2500.00 deductible and only use it for emergencies. He said if I get a small deductible and use it for non emergency stuff that my premiums would go up alot. He says he saves that extra money in premiums in case he ever gets something small to fix and that in the last ten years he has never had anything happen. I just worry that I might have something happen. I hate insurance and think it's a rip off for most people.


Primary Insurance and Secondary Insurance?
OK - Somebody please explain this to me. My employer has covered me on their health insurance plan. I don't pay for it. But it sticks I can't use it since it has a really high deductible and it doesn't cover necessary annual exams. So, my husband put me on this insurance and VIOLA - I have no deductible and it covers everything. I know, I'm a lucky person. Well, I've been told that I must show my employers insurance becuase it is my primary insurance and I'm lying if I don't show it. But then the doc doesn't want to bill the secondary that will cover everything so I have to pay the bill then submit a claim. Is there some type of law out there that says I have to disclose this really crappy insurance that my employer provides? Not that I don't appreciate it - I do - but it's really only for catastrophic situations.


Will my home owners insurance drop?
I currently own and occupy a home that I will soon be renting...... Right now my home owners insurance is rapped in with my mortgage payment.... I am curious as to how much less this insurance will be once I begin to rent it out ... any help would be appreciative.


I am 18 and car insurances are too fukcing high (UK)?
hello, my first car will be a peugeot 1007 and most of the quotes offer me 5000 pounds which is a super joke because its impossible for me to afford it and also my mom. I'll be the first one to drive in the family and we badly need a car soon because its so hard to carry a 100 kg. sack of rice for 3 miles from the shop to the train station from the train station to our house with a return ticket. plus also, my mom's been cycling to her work for almost 10 years now and she's getting old and the least i could do is drive her to work. 1.) so my question is, why is this rule or law so much biased and stereotyped against the youth? isn't it time to change our perspectives, to be quite frank the youth of today are a lot more intelligent than the previous generations. 2.) why are car insurance companies and the UK government such a dick? 3.) why aren't there any activists protesting about these prices? that's all thank you."


How much would insurance cost for a 16 yr old female?
I'm 16 & getting a 2010 Nissan Maxima. Don't tell me not to get it because I'll wreck or trash it. I learned how to drive when I was 12 and I drove all the time when I got my permit. I'm not going to trash it at all. All I need to know if how much insurance might be. A rough estimate because I know everywhere is different. Some few details: I'm 16, a female, straight A student, and really responsible. Thanks."


Average insurance costs in the UK on a Porsche 911 Carrera??
I am looking to buy a new one '05 reg, I am 24 and have had my license for 2 years, live in a posh area...thanx"


How much would would Car Insurance be for a 17 year old male?
Im a student, want to take my test. If i pass it how much do you reckon driving insurance will be. Say if i registered it under my mums insurance. i wanit a car for university so i can drive home quickly and easily. How much would it be under my mums insurance and how much would it be if i got thee smallest engine (Vauxhal Corsa or Citroen C2) for example..."


Can I get an insurance quote if I am not 16?
Today, I got a moped so that for my birthday, I can go and do my CBT on the day. I want to get a rough price of what I would have to pay for insurance. I would like to know what I would have to pay but as I am not yet 16, I cannot yet get a quote. Does anyone know how to get round this as I do not want to lie about my age. Thanks."


Personal Finance help please only one question?
Imagine that you are a parent with young children. You want to get life insurance to protect your children financially until they are old enough to produce their own incomes. Would term life insurance or permanent life insurance be a better choice in this situation? Why?


"I need car insurance on a 2001 Lincoln Town Car, 4 door?"
I need car insurance on a 2001 Lincoln Town Car, 4 door?"


What are the odds of insurance rates increasing after a ticket?
Okay, so late last year, I had a run in with a cop on the freeway who pulled me over for speeding. After having a lengthy talk with him, I managed to talk him into just citing me for some dice I had on my rear-view mirror. It ran me a little over a hundred bucks, and I don't think it really effected my insurance. Now, just the other day, I got caught in a speeding trap on the freeway and got pulled over, and this time I did get a ticket for speeding for doing 81 mph. Now, as far as I know, insurance companies only check a person's MVR once every three years or so, but I've only just begun to research the subject. So my question is, given the information I just provided, what are the odds that my insurance company finds out about my new ticket and raises my rates?"


Insurance for deceased mother's car?
My mother passed away in January in New Jersey. Car is titled, registered and insured in only her name. Me and my siblings want to sell the car and hope to do within a few weeks. I am the executor of estate. My sister wants to have the title in her name so it's easier to sell but leave the registration and insurance in my mothers name. Is that ok? My only concern is that the car is properly insured."


How do people in America without health insurance get treated?
what happens if say, a person gets in a car crash and is taken to hospital either by an ambulance or by fiends etc, and the person has no health insurance. Do they still get treated/given surgery even though it's not paid for by any health insurance companies? And also what happens in general when uninsured people get sick/injured and need to get medical treatment? Can they go to a public hospital and get treated on the spot? Also for those people that are insured, does thier insurance gaurantee they will get looked after whatever happens to them? Do you know of anyone that has health insurance and didn't get help from the insurance company when it was most needed? eg. expensive surgery."


Life Insurance?
Trying to figure out what kind of Life Insurance to get. I'm a soon-to-be mother, not married, but with the baby's father & a possibility of marriage within the next couple of years. Anyway, I'm a NJ resident, 28 years old, in healthy condition, I rent an apartment & don't have any major assets. Of course I hope to have a house, etc. in a couple of years. Some people have been telling me go w/ WHOLE insurance & others TERM. I do not plan on taking money out of this account in the future. Plan to use it for what it is really for - which is just in case if something happens to me, my family will be taken care of. Any suggestions on which way I should go w/ Life Insurance?? HELP !!"


Health insurance?
A while ago I received an answer about health care in the future. In the answer, the person said that health care should be an individual's responsibility."" Personally"


Car insurance questions?
also ill be buying this policy online and if this is to sketchy is their any insurance companies that's cheap for so called high risk drivers im a male, havent got a ticket or accident or pulled over in 9 months , and is point kept 2 yrs buy the state and three by the insurance companies or the other way around because in july of 2010 my 85/70 will be 2 yrs ago. and my points will be down to 4. And also i flipped my moms jeep didnt call the police cause i was the only one involved and took it to a collison place does the insurance tell the state of michigan , because no police report was filed and my dad told the insurance company that nothing was filed with the local authorities."


Should i Register my car under my dad's name to get cheaper insurance?
How does it work? Do i buy the car under his name and register it under his name? OR Do i buy it under my name and register it under my name and just insure it under him? How does it work? EZ 10 Points here guys.


Primary Insurance and Secondary Insurance?
OK - Somebody please explain this to me. My employer has covered me on their health insurance plan. I don't pay for it. But it sticks I can't use it since it has a really high deductible and it doesn't cover necessary annual exams. So, my husband put me on this insurance and VIOLA - I have no deductible and it covers everything. I know, I'm a lucky person. Well, I've been told that I must show my employers insurance becuase it is my primary insurance and I'm lying if I don't show it. But then the doc doesn't want to bill the secondary that will cover everything so I have to pay the bill then submit a claim. Is there some type of law out there that says I have to disclose this really crappy insurance that my employer provides? Not that I don't appreciate it - I do - but it's really only for catastrophic situations.


What are your thoughts on how insurance companies can put a price on life?
Folks- My scenario involves how the insurance company is culpable for compensation as it relates to loss of life. First of all, I'm a bit stymied by how they can even arrive at a figure (for a lost life) but I understand that they must. Secondly, I'm scratching my head about how the survivors of the deceased have no avenue to litigate that one life was more valuable than another.."


Obama Compares forced health insurance with car insurance? WTF/ No one is forced to buy a car?
Why does obama compare forcing citizens to buy his corrupt insurance for welfare medicine to buying auto insurance? No one has to own auto insurance...IF YOU DON'T OWN A CAR? How did we end up with the stupidest man on the planet as our president when he's just an idiot?who cannot debate the simplest issue--and make wild irrelevant examples. His plan is not like auto insurance--so why can't his fans as dumb as he?


Which is better car insurance?
$500 per year with an excess of $1150 or $560 per year with an excess of $900 These are the 2 best insurance quotes i can find. Both are big reliable companies.


Cost of renters insurance?
how much does renters insurance cost in burleson texas area?


Where can a 17 years old female find the cheapest car insurance?
ok, so I am turning 17 in march, and I am looking at car insurance. I am getting my sisters old citroen saxo which is a 1.0 engine size 3 door car, very much like a ford fiesta. I was looking at insurance a few months back, and it was around 1,800, which I was prepared to pay. However, looking now, its around 4000!! what is going on!?!? I have saved up around 1000, but this is ridiculous! I was hoping to be able to buy my own insurance policy rather than go on my parents, as I'd like to be able to take my car away with me to uni next year! Does anyone know how I can get cheap car insurance?? I have tried apllying for third party only, with minimum annual mileage, etc... before you ask. Thank you!"


Are there any insurance company in Florida that will write a policy for a foreclose house? or a nationwide company?
Okay for anyone else reading, I am trying to buy a foreclose house. not insure a house in foreclosure, there is a difference. An you need insurance to close on a house, also if anyone reads this in the future and have a another company please add them to the answer as there is a need for this information."


Is the 2006 dodge charger considered a sports car to insurance due to it powerful v6 engine and the tone and time of the car.?
Im a new driver at the age of 17. i always wanted a dodge charger. my sister believe its going to make my insurance increase a lot cause they consider it a sport car even though its a sedan.


Where Do I Find Quotes For Non-Owners Auto Insurance?
I Need It Cheap, Fast, And In Denver,CO.!!!!!!!!!!!!"


"I was hit by another car that didn't stop for a sign. I didn't have car insurance, though. What happens now?"
I was hit by another car that didn't stop for a stop sign & struck my passenger door. She admitted it was her fault. However, I didn't have car insurance at the time, & was cited. What do I do now? I did file a SR-1 (Report of Traffic Accident Form) @ the DMV. On the form it asks what insurance co., policy #, etc. I had @ the time of accident. I admitted I didn't have any. Now, I have the other party's insurance company calling me & asking about if anyone was hurt, type of damages, etc. The lady that struck me was licensed, however, the car she was driving wasn't hers. She had recently called me & asked if I can drive my car to the auto shop & she will have it repaired. What should I do? The other party's insurance co. will be calling me again Monday w/ further questions. I wonder why? I'm sure they know I didn't have auto insurance as it's noted on the police accident report as well as stating I was cited. I'm just worried that in the long run, my license will be suspended. Anyone with any suggestions/advice on perhaps how I can avoid this? Thanks for reading. By the way, I'm from California."


Which will cost more to insure? 00-04 mustang base or 00-04 mustang gt?
I'm 17 and live in New York. Been driving with a clean record for one year and I currently pay $100/month on my mom's '10 camry. I want to get my own car and I have narrowed everything down to a mustang, but I can't decide between a base model or a gt. I have discounts on my current policy such as good student and drivers ed. I will also take a defensive driving course for an added discount and the new car will also bring about a multi-car policy discount which will be helpful. My mom will be contributing the same $100 towards the car as she is now and the rest I have to pay for by myself. I have heard that the base and gt will cost about the same to insure, but that doesn't seem right considering that the gt has 100+hp more than the base, but people have supported that by saying the base models are involved in more crashes among young drivers. So can anybody set the record straight for me? Please don't give me responses saying that only my insurance agent can tell me that or too high for you to afford."" Also would it be a wise decision to drop collision coverage for a huge insurance discount? I don't plan on racing this car."""


Please Help. Need to Budget car Insurance $80/ mo and gas $100/mo on Social Services Budget?
Need to Budget car Insurance $80/ mo and gas $100/mo on Social Services Budget I was part of the middle of the middle class who had graduated college and had lost their job. I have been looking for more work but with things the way they are, it has been a challenge. I understand that the economy has hit most of us pretty hard with money being tight for many and social services might have been used in the past by those who may not have respected what it was meant for. Many of us thought we never would be financially tested this way but this is whats happening. I have gratitude that this system is in place for us when we fall so we have what we need to get back on our feet when things or times get hard. I have never been on social services aka welfare before but I have a situation. To start I live in New York. Laws might be different depending on your state. I did lose my job and have been looking for work. In the moment, I am financially dependent on my boyfriend to support me. He has a job that pays our bills. He did some things and the relationship changed into awkwardness and it's just over. I am still dependent on his income but have been looking into social services as an option while I am still looking for work for myself. From what I understand, social services pays a max of about $430 per month when a person is unemployed. This is for everythingThey give nothing else or extra for rent, utilities or anything else. After a lot of searching I found a room for rent for $429 a month that includes everything. It is not in the safest places for a woman that these rents are so cheap but I did find them. Finding rooms for rent that fit within this budget has been a challenge. I was told food could be provided by food stamps and other resources. My concern is, as I'm looking at these numbers, how I am going to pay for my car insurance and gas. I have an older Hyundai and insurance is $80 per month. Gas is a conservative minimum of $100 per month. My question: I do need my car to get off the system while looking for work and getting whatever I can start all over with. How can I pay for car insurance ($80/mo) and gas ($100/mo) while on welfare aka social services. ."


I need information on the health Insurance Reform Act?
What is the health insurance reform act?


How much would a BMW increase your insurance every month if you have Nationwide?
10 points if you have sources :D


Would my parents car insurance go up if i crash?
if i crash and im on learners permit, would it go up? because i called my insurance agent and he said i dont need to be listen as a driver ill be insured. i live in california btw if that matters."


Can we get finally affordable health insurance now?
Me and my fiance pay $650/month on health insurance and it really sucks. My fiance was denied by every health insurance b/c of a heart condition which is common in his family and I am pregnant and everybody denied me of course too. So we got coverage with Cover Colorado. With the new health reform, can we apply now at different insurances? How is that with the premium? If they need to take you, can they give you a very high premium?"


Primary Insurance and Secondary Insurance?
OK - Somebody please explain this to me. My employer has covered me on their health insurance plan. I don't pay for it. But it sticks I can't use it since it has a really high deductible and it doesn't cover necessary annual exams. So, my husband put me on this insurance and VIOLA - I have no deductible and it covers everything. I know, I'm a lucky person. Well, I've been told that I must show my employers insurance becuase it is my primary insurance and I'm lying if I don't show it. But then the doc doesn't want to bill the secondary that will cover everything so I have to pay the bill then submit a claim. Is there some type of law out there that says I have to disclose this really crappy insurance that my employer provides? Not that I don't appreciate it - I do - but it's really only for catastrophic situations.