cheap bike word for the scooter in uk,any ideas?
2 Comments For This Post
Insurance.?
Mon, Oct 5, 2009
How most would word be upon the used automobile which we paid for for around 8,000 from the dealer, if we were the teenager?
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7 Comments For This Post
-
MIKE GRE@zy Says:
dont send him a email hes avatar says tom
email says samlexham is quite good
forgot the number -
vwsal22 Says:
Try money supermarket, they’ll give you loads of choice and you can sort them by price.
-
mrratesjay Says:
The best way to find a good rate on your auto insurance is to shop around with a few different independant agents. That way you can get the rates of many companies with just a few phone calls. Of course the rate will vary based on many factors including exact age, time licensed, equipment discounts in the car(airbags, ABS, daytime running lights, etc), driving record, and always your garaging address.
-
timo Says:
lots and lots
-
UwishUknewMyName Says:
Contact your local insurance agent for the most accurate quote. It depends on the yr make and model of the vehicle. where you live, your driving history, your age, and what type of coverage you want.
There are a lot of factors that are considered
-
Queen B Says:
a lot because of your age. are you carrying just liability or full coverage? is your driving record clean or do you have points? ever made a claim? where do you live? there are so many factors there is no way for us to tell you. call a local independent agent and they can quote it for you for free!
-
JaredBalis Says:
I agree with the other user. It would be a good idea to get quotes and information from an agent in your local area. You can do that easily by filling out a form at . A local agent will help you figure it all out. I hope that helps!
Jared Balis
Insurance…?
Thu, Oct 1, 2009
Hello all, you not long ago had a automobile crash, i didnt consider an horrible lot of a automobile repairs as good as didn’t see during as a vital complaint as against to it being repaired, any way notwithstanding this i perceived a phone call a integrate of mins ago from my automobile word company, They had picked my automobile up as good as took it down to their garage to consider a repairs which had been caused (i’m with kwik-fit automobile insurance). The gentlemen who i was vocalization to upon a phone worked without delay with Kwik-Fit as good as pronounced there is zero you can do to rescue a car, it’s a write off…Okay i said, so what happens right away i asked? he fundamentally pronounced which he will send a report he has by to a bureau where they will afterwards send me a little papers in which once i have perceived i will take a required action..im guessing i will have to send them a little sum of a little sort. He afterwards one after another which after a little investigate he valued my automobile during 6,200 this is all really well, though what upon earth happens now? my automobile is usually 1 Years old
I additionally have no car/road toax..will this outcome me in any way whatsoever?
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12 Comments For This Post
-
MIKE GRE@zy Says:
dont send him a email hes avatar says tom
email says samlexham is quite good
forgot the number -
vwsal22 Says:
Try money supermarket, they’ll give you loads of choice and you can sort them by price.
-
mrratesjay Says:
The best way to find a good rate on your auto insurance is to shop around with a few different independant agents. That way you can get the rates of many companies with just a few phone calls. Of course the rate will vary based on many factors including exact age, time licensed, equipment discounts in the car(airbags, ABS, daytime running lights, etc), driving record, and always your garaging address.
-
timo Says:
lots and lots
-
UwishUknewMyName Says:
Contact your local insurance agent for the most accurate quote. It depends on the yr make and model of the vehicle. where you live, your driving history, your age, and what type of coverage you want.
There are a lot of factors that are considered
-
Queen B Says:
a lot because of your age. are you carrying just liability or full coverage? is your driving record clean or do you have points? ever made a claim? where do you live? there are so many factors there is no way for us to tell you. call a local independent agent and they can quote it for you for free!
-
JaredBalis Says:
I agree with the other user. It would be a good idea to get quotes and information from an agent in your local area. You can do that easily by filling out a form at . A local agent will help you figure it all out. I hope that helps!
Jared Balis
-
Queen B Says:
now you fill out papers and get a check for 6,200. if you owe more than that on a loan for the car, you are responsible to pay the difference unless you have GAP insurance. good luck!
-
THE BIG MELON Says:
Get a second opion.
-
Jimbo Says:
Is that an offer? You need to work out if you can replace it for that amount. Sounds a very low, get a second opinion.
-
entidtil Says:
If you accept the 6200, they take your car, you buy a new one. Keep in mind that the 6200 is not written in stone. If you think you should get more, get some expert opinion of an amount and present the new number to them.
-
danjwalker2003 Says:
First of all how where u in an accident if you don’t have any road tax or mot thats illegal to have the car on the road.
Secondly, your vehicle should not of been moved without your agreement you dont state thats the case.
If you feel that £6200 is too low the best thing to do it go online and check for the same make and model of vehicle, similar mileage, year of make etc and if they are more you can decline their offer but beware most insurers will only offer you two amounts then they will give you car back if you dont agree with it.
Finally, I would ask how it is a total loss in the first place if its only a year old and this is usually only done when the repair amount is equal to or more than 75% of the current market value of the vehicle.
Hope you find this information helpful.
P.S If you agree the offer, your insurers will ask you for the Registration document, keys, certificate of insurance and copy of your licence usually the mot as well but you said you don’t have one ?
insurance??
Sun, Sep 13, 2009
if we take all out of a interior of your automobile (back seats & belts, doorway panel, floor, etc) as well as if we take off a lurch as well as put your own law dash. would we have problems with a word association if we get in to an accident?
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17 Comments For This Post
-
MIKE GRE@zy Says:
dont send him a email hes avatar says tom
email says samlexham is quite good
forgot the number -
vwsal22 Says:
Try money supermarket, they’ll give you loads of choice and you can sort them by price.
-
mrratesjay Says:
The best way to find a good rate on your auto insurance is to shop around with a few different independant agents. That way you can get the rates of many companies with just a few phone calls. Of course the rate will vary based on many factors including exact age, time licensed, equipment discounts in the car(airbags, ABS, daytime running lights, etc), driving record, and always your garaging address.
-
timo Says:
lots and lots
-
UwishUknewMyName Says:
Contact your local insurance agent for the most accurate quote. It depends on the yr make and model of the vehicle. where you live, your driving history, your age, and what type of coverage you want.
There are a lot of factors that are considered
-
Queen B Says:
a lot because of your age. are you carrying just liability or full coverage? is your driving record clean or do you have points? ever made a claim? where do you live? there are so many factors there is no way for us to tell you. call a local independent agent and they can quote it for you for free!
-
JaredBalis Says:
I agree with the other user. It would be a good idea to get quotes and information from an agent in your local area. You can do that easily by filling out a form at . A local agent will help you figure it all out. I hope that helps!
Jared Balis
-
Queen B Says:
now you fill out papers and get a check for 6,200. if you owe more than that on a loan for the car, you are responsible to pay the difference unless you have GAP insurance. good luck!
-
THE BIG MELON Says:
Get a second opion.
-
Jimbo Says:
Is that an offer? You need to work out if you can replace it for that amount. Sounds a very low, get a second opinion.
-
entidtil Says:
If you accept the 6200, they take your car, you buy a new one. Keep in mind that the 6200 is not written in stone. If you think you should get more, get some expert opinion of an amount and present the new number to them.
-
danjwalker2003 Says:
First of all how where u in an accident if you don’t have any road tax or mot thats illegal to have the car on the road.
Secondly, your vehicle should not of been moved without your agreement you dont state thats the case.
If you feel that £6200 is too low the best thing to do it go online and check for the same make and model of vehicle, similar mileage, year of make etc and if they are more you can decline their offer but beware most insurers will only offer you two amounts then they will give you car back if you dont agree with it.
Finally, I would ask how it is a total loss in the first place if its only a year old and this is usually only done when the repair amount is equal to or more than 75% of the current market value of the vehicle.
Hope you find this information helpful.
P.S If you agree the offer, your insurers will ask you for the Registration document, keys, certificate of insurance and copy of your licence usually the mot as well but you said you don’t have one ?
-
bundysmom Says:
As long as you had the aftermarket items endorsed on the policy and as long as your insurance policy covers customizations (the majority do not), then you’ll be fine.
-
Ian F Says:
Well, if you don’t install adequate safety equipment, and they had no knowledge of the modification, they might deny you coverage for your injuries.
And no matter what you would DEFINITELY have trouble getting them to pay for any modifications you made. Your solid gold and burled walnut dashboard that you custom made for your 99 Civic is probably not going to be compensated.
-
mburleigh8 Says:
Depends on the accedent, If there was anyone else in your car that got hurt,
The Insurance co. may have a clause in there policy about modified cars.
You should find out. -
Clevis D Says:
If you total it, yes. You have just reduced the value of your vehicle by at least 60% so be prepared when they offer you an adjusted amount.
-
namrepus Says:
You can try to seek some advice from car insurance companies, discover their policies about that. Search it on the net visit some site, you can try to park on this cheap car insurance site for your reference and source of additional information.
insurance……………?
Sat, Sep 12, 2009
if we get profound as well as dont have word can we still go to a doctor/hospital to have your baby? what to do in this situation?
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22 Comments For This Post
-
MIKE GRE@zy Says:
dont send him a email hes avatar says tom
email says samlexham is quite good
forgot the number -
vwsal22 Says:
Try money supermarket, they’ll give you loads of choice and you can sort them by price.
-
mrratesjay Says:
The best way to find a good rate on your auto insurance is to shop around with a few different independant agents. That way you can get the rates of many companies with just a few phone calls. Of course the rate will vary based on many factors including exact age, time licensed, equipment discounts in the car(airbags, ABS, daytime running lights, etc), driving record, and always your garaging address.
-
timo Says:
lots and lots
-
UwishUknewMyName Says:
Contact your local insurance agent for the most accurate quote. It depends on the yr make and model of the vehicle. where you live, your driving history, your age, and what type of coverage you want.
There are a lot of factors that are considered
-
Queen B Says:
a lot because of your age. are you carrying just liability or full coverage? is your driving record clean or do you have points? ever made a claim? where do you live? there are so many factors there is no way for us to tell you. call a local independent agent and they can quote it for you for free!
-
JaredBalis Says:
I agree with the other user. It would be a good idea to get quotes and information from an agent in your local area. You can do that easily by filling out a form at . A local agent will help you figure it all out. I hope that helps!
Jared Balis
-
Queen B Says:
now you fill out papers and get a check for 6,200. if you owe more than that on a loan for the car, you are responsible to pay the difference unless you have GAP insurance. good luck!
-
THE BIG MELON Says:
Get a second opion.
-
Jimbo Says:
Is that an offer? You need to work out if you can replace it for that amount. Sounds a very low, get a second opinion.
-
entidtil Says:
If you accept the 6200, they take your car, you buy a new one. Keep in mind that the 6200 is not written in stone. If you think you should get more, get some expert opinion of an amount and present the new number to them.
-
danjwalker2003 Says:
First of all how where u in an accident if you don’t have any road tax or mot thats illegal to have the car on the road.
Secondly, your vehicle should not of been moved without your agreement you dont state thats the case.
If you feel that £6200 is too low the best thing to do it go online and check for the same make and model of vehicle, similar mileage, year of make etc and if they are more you can decline their offer but beware most insurers will only offer you two amounts then they will give you car back if you dont agree with it.
Finally, I would ask how it is a total loss in the first place if its only a year old and this is usually only done when the repair amount is equal to or more than 75% of the current market value of the vehicle.
Hope you find this information helpful.
P.S If you agree the offer, your insurers will ask you for the Registration document, keys, certificate of insurance and copy of your licence usually the mot as well but you said you don’t have one ?
-
bundysmom Says:
As long as you had the aftermarket items endorsed on the policy and as long as your insurance policy covers customizations (the majority do not), then you’ll be fine.
-
Ian F Says:
Well, if you don’t install adequate safety equipment, and they had no knowledge of the modification, they might deny you coverage for your injuries.
And no matter what you would DEFINITELY have trouble getting them to pay for any modifications you made. Your solid gold and burled walnut dashboard that you custom made for your 99 Civic is probably not going to be compensated.
-
mburleigh8 Says:
Depends on the accedent, If there was anyone else in your car that got hurt,
The Insurance co. may have a clause in there policy about modified cars.
You should find out. -
Clevis D Says:
If you total it, yes. You have just reduced the value of your vehicle by at least 60% so be prepared when they offer you an adjusted amount.
-
namrepus Says:
You can try to seek some advice from car insurance companies, discover their policies about that. Search it on the net visit some site, you can try to park on this cheap car insurance site for your reference and source of additional information.
-
Amanda A Says:
Get on medical. They have to take you if you are prego
-
Tiare Says:
if you are in labor, it is against the law in my state for them to send you away. but they do not have to provide you with prenatal care, you should look into what is available in your state so that you cna get prenatal care
-
nica223 Says:
They have to take you in, and the’yy just send you the bill later on.
-
Waine Says:
Dear girl, but where do you live?? I don’t think there is one country in the whole world that would turn away a pregnant girl in labour , but if such country exists then PLEASE let us know which one it is so that we can shame it and point our fingers at it in disdain, the place on earth where human life isn’t treasured.
-
Albert Says:
Don’t just show up at the hospital! Let them know in advance and they will work out a payment plan with you and give you a discounted rate for uninsured people. If you just let them send you a bill later, it will end up costing you WAAAAAYYY more.
Insurance ???
Wed, Sep 9, 2009
how to put commercial-Insurance upon my truck,
for my association when a lorry is in my name as well as my state is nh as well as you do not have commercial-plates in this state as well as will i improved with c-insurance than profitable unawareness motorist upon my word upon my lorry that is a 1994 gmc SS 454 7.4l v8 large retard a single ton lorry with all of a options,the lorry books for ,000
how most is Insurance for this lorry worth
You might be also interested in:
26 Comments For This Post
-
MIKE GRE@zy Says:
dont send him a email hes avatar says tom
email says samlexham is quite good
forgot the number -
vwsal22 Says:
Try money supermarket, they’ll give you loads of choice and you can sort them by price.
-
mrratesjay Says:
The best way to find a good rate on your auto insurance is to shop around with a few different independant agents. That way you can get the rates of many companies with just a few phone calls. Of course the rate will vary based on many factors including exact age, time licensed, equipment discounts in the car(airbags, ABS, daytime running lights, etc), driving record, and always your garaging address.
-
timo Says:
lots and lots
-
UwishUknewMyName Says:
Contact your local insurance agent for the most accurate quote. It depends on the yr make and model of the vehicle. where you live, your driving history, your age, and what type of coverage you want.
There are a lot of factors that are considered
-
Queen B Says:
a lot because of your age. are you carrying just liability or full coverage? is your driving record clean or do you have points? ever made a claim? where do you live? there are so many factors there is no way for us to tell you. call a local independent agent and they can quote it for you for free!
-
JaredBalis Says:
I agree with the other user. It would be a good idea to get quotes and information from an agent in your local area. You can do that easily by filling out a form at . A local agent will help you figure it all out. I hope that helps!
Jared Balis
-
Queen B Says:
now you fill out papers and get a check for 6,200. if you owe more than that on a loan for the car, you are responsible to pay the difference unless you have GAP insurance. good luck!
-
THE BIG MELON Says:
Get a second opion.
-
Jimbo Says:
Is that an offer? You need to work out if you can replace it for that amount. Sounds a very low, get a second opinion.
-
entidtil Says:
If you accept the 6200, they take your car, you buy a new one. Keep in mind that the 6200 is not written in stone. If you think you should get more, get some expert opinion of an amount and present the new number to them.
-
danjwalker2003 Says:
First of all how where u in an accident if you don’t have any road tax or mot thats illegal to have the car on the road.
Secondly, your vehicle should not of been moved without your agreement you dont state thats the case.
If you feel that £6200 is too low the best thing to do it go online and check for the same make and model of vehicle, similar mileage, year of make etc and if they are more you can decline their offer but beware most insurers will only offer you two amounts then they will give you car back if you dont agree with it.
Finally, I would ask how it is a total loss in the first place if its only a year old and this is usually only done when the repair amount is equal to or more than 75% of the current market value of the vehicle.
Hope you find this information helpful.
P.S If you agree the offer, your insurers will ask you for the Registration document, keys, certificate of insurance and copy of your licence usually the mot as well but you said you don’t have one ?
-
bundysmom Says:
As long as you had the aftermarket items endorsed on the policy and as long as your insurance policy covers customizations (the majority do not), then you’ll be fine.
-
Ian F Says:
Well, if you don’t install adequate safety equipment, and they had no knowledge of the modification, they might deny you coverage for your injuries.
And no matter what you would DEFINITELY have trouble getting them to pay for any modifications you made. Your solid gold and burled walnut dashboard that you custom made for your 99 Civic is probably not going to be compensated.
-
mburleigh8 Says:
Depends on the accedent, If there was anyone else in your car that got hurt,
The Insurance co. may have a clause in there policy about modified cars.
You should find out. -
Clevis D Says:
If you total it, yes. You have just reduced the value of your vehicle by at least 60% so be prepared when they offer you an adjusted amount.
-
namrepus Says:
You can try to seek some advice from car insurance companies, discover their policies about that. Search it on the net visit some site, you can try to park on this cheap car insurance site for your reference and source of additional information.
-
Amanda A Says:
Get on medical. They have to take you if you are prego
-
Tiare Says:
if you are in labor, it is against the law in my state for them to send you away. but they do not have to provide you with prenatal care, you should look into what is available in your state so that you cna get prenatal care
-
nica223 Says:
They have to take you in, and the’yy just send you the bill later on.
-
Waine Says:
Dear girl, but where do you live?? I don’t think there is one country in the whole world that would turn away a pregnant girl in labour , but if such country exists then PLEASE let us know which one it is so that we can shame it and point our fingers at it in disdain, the place on earth where human life isn’t treasured.
-
Albert Says:
Don’t just show up at the hospital! Let them know in advance and they will work out a payment plan with you and give you a discounted rate for uninsured people. If you just let them send you a bill later, it will end up costing you WAAAAAYYY more.
-
Sue Says:
You can get commercial auto insurance in your person name if it is commercial use. Sounds like it is. Also, it sounds like the truck is over 10,000 GVW & if it is, it does not qualify for personal auto insurance. Call your agent & find out. You may have to put your business name on the vehicle to get a commercial package. Otherwise you will probably have to get the policy with Progessive on their business auto policy. Your young driver will still need to be listed on your personal insurance (if you have another personal use vehicle), so there really is no getting around that.
-
mbrcatz17 Says:
You have to either declare the truck a commercial usage - which means, a higher rating than private passenger usage - or start a corporation and sign the truck over to your corporation.
Lots and lots of people have tried to get around surcharges and youthful drivers, by putting a private vehicle on a commercial policy. It hasn’t been done in New England, in YEARS, because 1. a company that offers commercial coverage isn’t going to give it on a vehicle with an operator under 25, without a 25% surcharge and 2. they require that the vehicle be classed as commercial (031) or delivery (021) in order to be able to be written - NOT service use, the cheapest class.
Sorry, it’s not going to work.
-
UCANTCME Says:
FROM PAST EXPERIENCE IT WILL DOUBLE AT LEAST.
-
Barb D Says:
Depending on your age the premium for a youthful driver may be more than commercial insurance. The use of the vehicle is the important factor, not the tag.
Here’s what can happen if you do nothing. If you have a claim, your personal auto insurance can deny coverage because you are using your vehicle for business. It’s right there on the policy under the "exclusions." Those guys delivering Pizzas with their cars? Essentially un insured.
Same goes for you under a Personal Auto Policy.
Go see a couple of different agents. While you are there you may as well get a quote for your work (contractor of some sort I assume) Most places have payment plans. You arent alone, its a step toward running your business right. It will help you with sales to show your customers that you have insurance in case anything goes wrong on the job.
Don’t let the price scare you into a disaster! I’ve dealt with people in your situation many times and we almost always find a way to make it work out just fine.
Insurance?????????????
Mon, Sep 7, 2009
Well, yesterday we got my permit as well as my father pronounced i am not legally aloud to expostulate any some-more compartment i get my license. Is this true, does this meant we can’t expostulate even with a little a single in a passengers seat. we have automobile word only not word upon me yet. SO can i expostulate to work tomorrow or do we have to have my mother expostulate me?.
You might be also interested in:
29 Comments For This Post
-
MIKE GRE@zy Says:
dont send him a email hes avatar says tom
email says samlexham is quite good
forgot the number -
vwsal22 Says:
Try money supermarket, they’ll give you loads of choice and you can sort them by price.
-
mrratesjay Says:
The best way to find a good rate on your auto insurance is to shop around with a few different independant agents. That way you can get the rates of many companies with just a few phone calls. Of course the rate will vary based on many factors including exact age, time licensed, equipment discounts in the car(airbags, ABS, daytime running lights, etc), driving record, and always your garaging address.
-
timo Says:
lots and lots
-
UwishUknewMyName Says:
Contact your local insurance agent for the most accurate quote. It depends on the yr make and model of the vehicle. where you live, your driving history, your age, and what type of coverage you want.
There are a lot of factors that are considered
-
Queen B Says:
a lot because of your age. are you carrying just liability or full coverage? is your driving record clean or do you have points? ever made a claim? where do you live? there are so many factors there is no way for us to tell you. call a local independent agent and they can quote it for you for free!
-
JaredBalis Says:
I agree with the other user. It would be a good idea to get quotes and information from an agent in your local area. You can do that easily by filling out a form at . A local agent will help you figure it all out. I hope that helps!
Jared Balis
-
Queen B Says:
now you fill out papers and get a check for 6,200. if you owe more than that on a loan for the car, you are responsible to pay the difference unless you have GAP insurance. good luck!
-
THE BIG MELON Says:
Get a second opion.
-
Jimbo Says:
Is that an offer? You need to work out if you can replace it for that amount. Sounds a very low, get a second opinion.
-
entidtil Says:
If you accept the 6200, they take your car, you buy a new one. Keep in mind that the 6200 is not written in stone. If you think you should get more, get some expert opinion of an amount and present the new number to them.
-
danjwalker2003 Says:
First of all how where u in an accident if you don’t have any road tax or mot thats illegal to have the car on the road.
Secondly, your vehicle should not of been moved without your agreement you dont state thats the case.
If you feel that £6200 is too low the best thing to do it go online and check for the same make and model of vehicle, similar mileage, year of make etc and if they are more you can decline their offer but beware most insurers will only offer you two amounts then they will give you car back if you dont agree with it.
Finally, I would ask how it is a total loss in the first place if its only a year old and this is usually only done when the repair amount is equal to or more than 75% of the current market value of the vehicle.
Hope you find this information helpful.
P.S If you agree the offer, your insurers will ask you for the Registration document, keys, certificate of insurance and copy of your licence usually the mot as well but you said you don’t have one ?
-
bundysmom Says:
As long as you had the aftermarket items endorsed on the policy and as long as your insurance policy covers customizations (the majority do not), then you’ll be fine.
-
Ian F Says:
Well, if you don’t install adequate safety equipment, and they had no knowledge of the modification, they might deny you coverage for your injuries.
And no matter what you would DEFINITELY have trouble getting them to pay for any modifications you made. Your solid gold and burled walnut dashboard that you custom made for your 99 Civic is probably not going to be compensated.
-
mburleigh8 Says:
Depends on the accedent, If there was anyone else in your car that got hurt,
The Insurance co. may have a clause in there policy about modified cars.
You should find out. -
Clevis D Says:
If you total it, yes. You have just reduced the value of your vehicle by at least 60% so be prepared when they offer you an adjusted amount.
-
namrepus Says:
You can try to seek some advice from car insurance companies, discover their policies about that. Search it on the net visit some site, you can try to park on this cheap car insurance site for your reference and source of additional information.
-
Amanda A Says:
Get on medical. They have to take you if you are prego
-
Tiare Says:
if you are in labor, it is against the law in my state for them to send you away. but they do not have to provide you with prenatal care, you should look into what is available in your state so that you cna get prenatal care
-
nica223 Says:
They have to take you in, and the’yy just send you the bill later on.
-
Waine Says:
Dear girl, but where do you live?? I don’t think there is one country in the whole world that would turn away a pregnant girl in labour , but if such country exists then PLEASE let us know which one it is so that we can shame it and point our fingers at it in disdain, the place on earth where human life isn’t treasured.
-
Albert Says:
Don’t just show up at the hospital! Let them know in advance and they will work out a payment plan with you and give you a discounted rate for uninsured people. If you just let them send you a bill later, it will end up costing you WAAAAAYYY more.
-
Sue Says:
You can get commercial auto insurance in your person name if it is commercial use. Sounds like it is. Also, it sounds like the truck is over 10,000 GVW & if it is, it does not qualify for personal auto insurance. Call your agent & find out. You may have to put your business name on the vehicle to get a commercial package. Otherwise you will probably have to get the policy with Progessive on their business auto policy. Your young driver will still need to be listed on your personal insurance (if you have another personal use vehicle), so there really is no getting around that.
-
mbrcatz17 Says:
You have to either declare the truck a commercial usage - which means, a higher rating than private passenger usage - or start a corporation and sign the truck over to your corporation.
Lots and lots of people have tried to get around surcharges and youthful drivers, by putting a private vehicle on a commercial policy. It hasn’t been done in New England, in YEARS, because 1. a company that offers commercial coverage isn’t going to give it on a vehicle with an operator under 25, without a 25% surcharge and 2. they require that the vehicle be classed as commercial (031) or delivery (021) in order to be able to be written - NOT service use, the cheapest class.
Sorry, it’s not going to work.
-
UCANTCME Says:
FROM PAST EXPERIENCE IT WILL DOUBLE AT LEAST.
-
Barb D Says:
Depending on your age the premium for a youthful driver may be more than commercial insurance. The use of the vehicle is the important factor, not the tag.
Here’s what can happen if you do nothing. If you have a claim, your personal auto insurance can deny coverage because you are using your vehicle for business. It’s right there on the policy under the "exclusions." Those guys delivering Pizzas with their cars? Essentially un insured.
Same goes for you under a Personal Auto Policy.
Go see a couple of different agents. While you are there you may as well get a quote for your work (contractor of some sort I assume) Most places have payment plans. You arent alone, its a step toward running your business right. It will help you with sales to show your customers that you have insurance in case anything goes wrong on the job.
Don’t let the price scare you into a disaster! I’ve dealt with people in your situation many times and we almost always find a way to make it work out just fine.
-
Lawnboy & Luna Says:
If you just got your license, didn’t this question come up when you studied for the test?
You are now a licensed driver. All licensed drivers who are household members must be listed on the insurance. If they are not, and they are involved in an auto accident, the insurance will deny coverage.
Your dad is correct. Kindly ask him to put you on the policy. There will be a significant premium increase. Since you are working, perhaps you can offer to pay the difference in the rate increase. It is the responsible and adult thing to do.
Congrats and be sure you drive carefully.
-
bick Says:
Depending on the State normally someone over 21 has to be in the passenger seat or have a certain number of years behind the wheel. Call the Local DMV for more information. DMV is the Department of Motor Vehicles
-
♥~*NB Reddy*~♥ Says:
If something happened doesn’t claim any insurance
Insurance!?
Sun, Sep 6, 2009
Had collision in my automobile yesterday. Got entirely comp insurance. Accident was my fualt. Insurance Excess is £400. Will i have to compensate this to get a alternative persons automobile fixed?!
You might be also interested in:
33 Comments For This Post
-
MIKE GRE@zy Says:
dont send him a email hes avatar says tom
email says samlexham is quite good
forgot the number -
vwsal22 Says:
Try money supermarket, they’ll give you loads of choice and you can sort them by price.
-
mrratesjay Says:
The best way to find a good rate on your auto insurance is to shop around with a few different independant agents. That way you can get the rates of many companies with just a few phone calls. Of course the rate will vary based on many factors including exact age, time licensed, equipment discounts in the car(airbags, ABS, daytime running lights, etc), driving record, and always your garaging address.
-
timo Says:
lots and lots
-
UwishUknewMyName Says:
Contact your local insurance agent for the most accurate quote. It depends on the yr make and model of the vehicle. where you live, your driving history, your age, and what type of coverage you want.
There are a lot of factors that are considered
-
Queen B Says:
a lot because of your age. are you carrying just liability or full coverage? is your driving record clean or do you have points? ever made a claim? where do you live? there are so many factors there is no way for us to tell you. call a local independent agent and they can quote it for you for free!
-
JaredBalis Says:
I agree with the other user. It would be a good idea to get quotes and information from an agent in your local area. You can do that easily by filling out a form at . A local agent will help you figure it all out. I hope that helps!
Jared Balis
-
Queen B Says:
now you fill out papers and get a check for 6,200. if you owe more than that on a loan for the car, you are responsible to pay the difference unless you have GAP insurance. good luck!
-
THE BIG MELON Says:
Get a second opion.
-
Jimbo Says:
Is that an offer? You need to work out if you can replace it for that amount. Sounds a very low, get a second opinion.
-
entidtil Says:
If you accept the 6200, they take your car, you buy a new one. Keep in mind that the 6200 is not written in stone. If you think you should get more, get some expert opinion of an amount and present the new number to them.
-
danjwalker2003 Says:
First of all how where u in an accident if you don’t have any road tax or mot thats illegal to have the car on the road.
Secondly, your vehicle should not of been moved without your agreement you dont state thats the case.
If you feel that £6200 is too low the best thing to do it go online and check for the same make and model of vehicle, similar mileage, year of make etc and if they are more you can decline their offer but beware most insurers will only offer you two amounts then they will give you car back if you dont agree with it.
Finally, I would ask how it is a total loss in the first place if its only a year old and this is usually only done when the repair amount is equal to or more than 75% of the current market value of the vehicle.
Hope you find this information helpful.
P.S If you agree the offer, your insurers will ask you for the Registration document, keys, certificate of insurance and copy of your licence usually the mot as well but you said you don’t have one ?
-
bundysmom Says:
As long as you had the aftermarket items endorsed on the policy and as long as your insurance policy covers customizations (the majority do not), then you’ll be fine.
-
Ian F Says:
Well, if you don’t install adequate safety equipment, and they had no knowledge of the modification, they might deny you coverage for your injuries.
And no matter what you would DEFINITELY have trouble getting them to pay for any modifications you made. Your solid gold and burled walnut dashboard that you custom made for your 99 Civic is probably not going to be compensated.
-
mburleigh8 Says:
Depends on the accedent, If there was anyone else in your car that got hurt,
The Insurance co. may have a clause in there policy about modified cars.
You should find out. -
Clevis D Says:
If you total it, yes. You have just reduced the value of your vehicle by at least 60% so be prepared when they offer you an adjusted amount.
-
namrepus Says:
You can try to seek some advice from car insurance companies, discover their policies about that. Search it on the net visit some site, you can try to park on this cheap car insurance site for your reference and source of additional information.
-
Amanda A Says:
Get on medical. They have to take you if you are prego
-
Tiare Says:
if you are in labor, it is against the law in my state for them to send you away. but they do not have to provide you with prenatal care, you should look into what is available in your state so that you cna get prenatal care
-
nica223 Says:
They have to take you in, and the’yy just send you the bill later on.
-
Waine Says:
Dear girl, but where do you live?? I don’t think there is one country in the whole world that would turn away a pregnant girl in labour , but if such country exists then PLEASE let us know which one it is so that we can shame it and point our fingers at it in disdain, the place on earth where human life isn’t treasured.
-
Albert Says:
Don’t just show up at the hospital! Let them know in advance and they will work out a payment plan with you and give you a discounted rate for uninsured people. If you just let them send you a bill later, it will end up costing you WAAAAAYYY more.
-
Sue Says:
You can get commercial auto insurance in your person name if it is commercial use. Sounds like it is. Also, it sounds like the truck is over 10,000 GVW & if it is, it does not qualify for personal auto insurance. Call your agent & find out. You may have to put your business name on the vehicle to get a commercial package. Otherwise you will probably have to get the policy with Progessive on their business auto policy. Your young driver will still need to be listed on your personal insurance (if you have another personal use vehicle), so there really is no getting around that.
-
mbrcatz17 Says:
You have to either declare the truck a commercial usage - which means, a higher rating than private passenger usage - or start a corporation and sign the truck over to your corporation.
Lots and lots of people have tried to get around surcharges and youthful drivers, by putting a private vehicle on a commercial policy. It hasn’t been done in New England, in YEARS, because 1. a company that offers commercial coverage isn’t going to give it on a vehicle with an operator under 25, without a 25% surcharge and 2. they require that the vehicle be classed as commercial (031) or delivery (021) in order to be able to be written - NOT service use, the cheapest class.
Sorry, it’s not going to work.
-
UCANTCME Says:
FROM PAST EXPERIENCE IT WILL DOUBLE AT LEAST.
-
Barb D Says:
Depending on your age the premium for a youthful driver may be more than commercial insurance. The use of the vehicle is the important factor, not the tag.
Here’s what can happen if you do nothing. If you have a claim, your personal auto insurance can deny coverage because you are using your vehicle for business. It’s right there on the policy under the "exclusions." Those guys delivering Pizzas with their cars? Essentially un insured.
Same goes for you under a Personal Auto Policy.
Go see a couple of different agents. While you are there you may as well get a quote for your work (contractor of some sort I assume) Most places have payment plans. You arent alone, its a step toward running your business right. It will help you with sales to show your customers that you have insurance in case anything goes wrong on the job.
Don’t let the price scare you into a disaster! I’ve dealt with people in your situation many times and we almost always find a way to make it work out just fine.
-
Lawnboy & Luna Says:
If you just got your license, didn’t this question come up when you studied for the test?
You are now a licensed driver. All licensed drivers who are household members must be listed on the insurance. If they are not, and they are involved in an auto accident, the insurance will deny coverage.
Your dad is correct. Kindly ask him to put you on the policy. There will be a significant premium increase. Since you are working, perhaps you can offer to pay the difference in the rate increase. It is the responsible and adult thing to do.
Congrats and be sure you drive carefully.
-
bick Says:
Depending on the State normally someone over 21 has to be in the passenger seat or have a certain number of years behind the wheel. Call the Local DMV for more information. DMV is the Department of Motor Vehicles
-
♥~*NB Reddy*~♥ Says:
If something happened doesn’t claim any insurance
-
Hi Says:
hi
-
Lyndon Says:
Hi i work for an insurance company and I hope some of this info helps you.
first things first never admit that it was your fault! not at the scene or to your insurance company. Thats for the two insurance companies to argue over. You just give them the details of the accident and they’ll deal with it.
Your excess is payable in both non fault and fault claims. S yes you would be asked to pay it. In non fault cases the insurance company will give it you back as they will claim it from the other side.
Hope this helps
-
Ricardo Sanchez Says:
The excess will only apply to damage to your own vehicle - not the claim by the third party. So the correct answer is "No" - your insurer will deal with the claim from the Third Party in full. You must notify the insurer as soon as possible and pass to the insurer any correpondence you receive.
If you’ve suffered damage to your own car and want the insurer to pay for repairs then the excess of £400 will be deducted from that part of the claim.
The ABI web site has some useful information on claims processes here:
-
downey s Says:
The best way to find an answer for a question check out
Insurance ?
Fri, Sep 4, 2009
I mislaid my word by my employer since we was a single change bashful of operative a series of hours compulsory to qualify. My daughter is upon Medicaid, as well as we attempted to get upon which kind of insurance, though they incited me down observant which we have entrance to word by my employer, as well as it’s not their error we didn’t work a compulsory series of hours to qualify. we have to have word since I’ve been battling on foot pneumonia for a past dual months, as well as my alloy is worried. Are there any alternative options for me? we checked in to tyro word during my university, as well as we only can’t means it. Any ideas?
You might be also interested in:
37 Comments For This Post
-
MIKE GRE@zy Says:
dont send him a email hes avatar says tom
email says samlexham is quite good
forgot the number -
vwsal22 Says:
Try money supermarket, they’ll give you loads of choice and you can sort them by price.
-
mrratesjay Says:
The best way to find a good rate on your auto insurance is to shop around with a few different independant agents. That way you can get the rates of many companies with just a few phone calls. Of course the rate will vary based on many factors including exact age, time licensed, equipment discounts in the car(airbags, ABS, daytime running lights, etc), driving record, and always your garaging address.
-
timo Says:
lots and lots
-
UwishUknewMyName Says:
Contact your local insurance agent for the most accurate quote. It depends on the yr make and model of the vehicle. where you live, your driving history, your age, and what type of coverage you want.
There are a lot of factors that are considered
-
Queen B Says:
a lot because of your age. are you carrying just liability or full coverage? is your driving record clean or do you have points? ever made a claim? where do you live? there are so many factors there is no way for us to tell you. call a local independent agent and they can quote it for you for free!
-
JaredBalis Says:
I agree with the other user. It would be a good idea to get quotes and information from an agent in your local area. You can do that easily by filling out a form at . A local agent will help you figure it all out. I hope that helps!
Jared Balis
-
Queen B Says:
now you fill out papers and get a check for 6,200. if you owe more than that on a loan for the car, you are responsible to pay the difference unless you have GAP insurance. good luck!
-
THE BIG MELON Says:
Get a second opion.
-
Jimbo Says:
Is that an offer? You need to work out if you can replace it for that amount. Sounds a very low, get a second opinion.
-
entidtil Says:
If you accept the 6200, they take your car, you buy a new one. Keep in mind that the 6200 is not written in stone. If you think you should get more, get some expert opinion of an amount and present the new number to them.
-
danjwalker2003 Says:
First of all how where u in an accident if you don’t have any road tax or mot thats illegal to have the car on the road.
Secondly, your vehicle should not of been moved without your agreement you dont state thats the case.
If you feel that £6200 is too low the best thing to do it go online and check for the same make and model of vehicle, similar mileage, year of make etc and if they are more you can decline their offer but beware most insurers will only offer you two amounts then they will give you car back if you dont agree with it.
Finally, I would ask how it is a total loss in the first place if its only a year old and this is usually only done when the repair amount is equal to or more than 75% of the current market value of the vehicle.
Hope you find this information helpful.
P.S If you agree the offer, your insurers will ask you for the Registration document, keys, certificate of insurance and copy of your licence usually the mot as well but you said you don’t have one ?
-
bundysmom Says:
As long as you had the aftermarket items endorsed on the policy and as long as your insurance policy covers customizations (the majority do not), then you’ll be fine.
-
Ian F Says:
Well, if you don’t install adequate safety equipment, and they had no knowledge of the modification, they might deny you coverage for your injuries.
And no matter what you would DEFINITELY have trouble getting them to pay for any modifications you made. Your solid gold and burled walnut dashboard that you custom made for your 99 Civic is probably not going to be compensated.
-
mburleigh8 Says:
Depends on the accedent, If there was anyone else in your car that got hurt,
The Insurance co. may have a clause in there policy about modified cars.
You should find out. -
Clevis D Says:
If you total it, yes. You have just reduced the value of your vehicle by at least 60% so be prepared when they offer you an adjusted amount.
-
namrepus Says:
You can try to seek some advice from car insurance companies, discover their policies about that. Search it on the net visit some site, you can try to park on this cheap car insurance site for your reference and source of additional information.
-
Amanda A Says:
Get on medical. They have to take you if you are prego
-
Tiare Says:
if you are in labor, it is against the law in my state for them to send you away. but they do not have to provide you with prenatal care, you should look into what is available in your state so that you cna get prenatal care
-
nica223 Says:
They have to take you in, and the’yy just send you the bill later on.
-
Waine Says:
Dear girl, but where do you live?? I don’t think there is one country in the whole world that would turn away a pregnant girl in labour , but if such country exists then PLEASE let us know which one it is so that we can shame it and point our fingers at it in disdain, the place on earth where human life isn’t treasured.
-
Albert Says:
Don’t just show up at the hospital! Let them know in advance and they will work out a payment plan with you and give you a discounted rate for uninsured people. If you just let them send you a bill later, it will end up costing you WAAAAAYYY more.
-
Sue Says:
You can get commercial auto insurance in your person name if it is commercial use. Sounds like it is. Also, it sounds like the truck is over 10,000 GVW & if it is, it does not qualify for personal auto insurance. Call your agent & find out. You may have to put your business name on the vehicle to get a commercial package. Otherwise you will probably have to get the policy with Progessive on their business auto policy. Your young driver will still need to be listed on your personal insurance (if you have another personal use vehicle), so there really is no getting around that.
-
mbrcatz17 Says:
You have to either declare the truck a commercial usage - which means, a higher rating than private passenger usage - or start a corporation and sign the truck over to your corporation.
Lots and lots of people have tried to get around surcharges and youthful drivers, by putting a private vehicle on a commercial policy. It hasn’t been done in New England, in YEARS, because 1. a company that offers commercial coverage isn’t going to give it on a vehicle with an operator under 25, without a 25% surcharge and 2. they require that the vehicle be classed as commercial (031) or delivery (021) in order to be able to be written - NOT service use, the cheapest class.
Sorry, it’s not going to work.
-
UCANTCME Says:
FROM PAST EXPERIENCE IT WILL DOUBLE AT LEAST.
-
Barb D Says:
Depending on your age the premium for a youthful driver may be more than commercial insurance. The use of the vehicle is the important factor, not the tag.
Here’s what can happen if you do nothing. If you have a claim, your personal auto insurance can deny coverage because you are using your vehicle for business. It’s right there on the policy under the "exclusions." Those guys delivering Pizzas with their cars? Essentially un insured.
Same goes for you under a Personal Auto Policy.
Go see a couple of different agents. While you are there you may as well get a quote for your work (contractor of some sort I assume) Most places have payment plans. You arent alone, its a step toward running your business right. It will help you with sales to show your customers that you have insurance in case anything goes wrong on the job.
Don’t let the price scare you into a disaster! I’ve dealt with people in your situation many times and we almost always find a way to make it work out just fine.
-
Lawnboy & Luna Says:
If you just got your license, didn’t this question come up when you studied for the test?
You are now a licensed driver. All licensed drivers who are household members must be listed on the insurance. If they are not, and they are involved in an auto accident, the insurance will deny coverage.
Your dad is correct. Kindly ask him to put you on the policy. There will be a significant premium increase. Since you are working, perhaps you can offer to pay the difference in the rate increase. It is the responsible and adult thing to do.
Congrats and be sure you drive carefully.
-
bick Says:
Depending on the State normally someone over 21 has to be in the passenger seat or have a certain number of years behind the wheel. Call the Local DMV for more information. DMV is the Department of Motor Vehicles
-
♥~*NB Reddy*~♥ Says:
If something happened doesn’t claim any insurance
-
Hi Says:
hi
-
Lyndon Says:
Hi i work for an insurance company and I hope some of this info helps you.
first things first never admit that it was your fault! not at the scene or to your insurance company. Thats for the two insurance companies to argue over. You just give them the details of the accident and they’ll deal with it.
Your excess is payable in both non fault and fault claims. S yes you would be asked to pay it. In non fault cases the insurance company will give it you back as they will claim it from the other side.
Hope this helps
-
Ricardo Sanchez Says:
The excess will only apply to damage to your own vehicle - not the claim by the third party. So the correct answer is "No" - your insurer will deal with the claim from the Third Party in full. You must notify the insurer as soon as possible and pass to the insurer any correpondence you receive.
If you’ve suffered damage to your own car and want the insurer to pay for repairs then the excess of £400 will be deducted from that part of the claim.
The ABI web site has some useful information on claims processes here:
-
downey s Says:
The best way to find an answer for a question check out
-
Becky B Says:
First of all, to lose your insurance, you’ve had to be covered by that employer in the first place, correct? Do you know if it was on a "mini" or limited medical plan basis? There are rules and regulations in each state that are specifically aimed at protecting the consumer’s (insured) rights, and it just doesn’t sound lawful for that to have happened, I am a registered insurance agent for life, accident, sickness, disability, variable lines and I may be able to help you if you could furnish me with a little bit more information. Do you work in a union? I am also very framiliar with the medicaid system, there are ways to work it, I just need additional information. If you still need help, contact me and I’ll see if there is anything that I can do for you at all.
-
mbrcatz17 Says:
You take the letter from your employer saying you don’t qualify for their medical coverage, and go back to the medicaid office, and say, "No, I DON’T have access to insurance through my employer."
-
heyteach Says:
Ah the always helpful government. Do you have a student health center? They usually charge less and if they have a pharmacy that can help cut costs.
If not, is there some kind of clinic in your area–run by med school or nursing students or even a "free" clinic so you can get diagnosed and treated? Prescriptions should be available for a reasonable price at WalMart or such which ALSO might have a clinic as might a drug or grocery store in your area.
IF this is your only health problem, I pray, then look at a place like ehealthinsurance and see if you can find an HSA or some decent insurance plan and get your own.
Does your state have a high risk insurance pool IF they decide you’re not healthy enough to cover?
-
bonniejac17 Says:
Ever heard of Ameriplan? Its an alternative…
Insurance?
Fri, Sep 4, 2009
My word for Maruti quick gets lapsed inside of the week. we payed a little Rs13,000 an year back. Now wish to replenish it.so how most will i have to compensate for it. i once claimed word for a little repairs in automobile for around Rs 6000. Can any a single discuss it me about this?
You might be also interested in:
38 Comments For This Post
-
MIKE GRE@zy Says:
dont send him a email hes avatar says tom
email says samlexham is quite good
forgot the number -
vwsal22 Says:
Try money supermarket, they’ll give you loads of choice and you can sort them by price.
-
mrratesjay Says:
The best way to find a good rate on your auto insurance is to shop around with a few different independant agents. That way you can get the rates of many companies with just a few phone calls. Of course the rate will vary based on many factors including exact age, time licensed, equipment discounts in the car(airbags, ABS, daytime running lights, etc), driving record, and always your garaging address.
-
timo Says:
lots and lots
-
UwishUknewMyName Says:
Contact your local insurance agent for the most accurate quote. It depends on the yr make and model of the vehicle. where you live, your driving history, your age, and what type of coverage you want.
There are a lot of factors that are considered
-
Queen B Says:
a lot because of your age. are you carrying just liability or full coverage? is your driving record clean or do you have points? ever made a claim? where do you live? there are so many factors there is no way for us to tell you. call a local independent agent and they can quote it for you for free!
-
JaredBalis Says:
I agree with the other user. It would be a good idea to get quotes and information from an agent in your local area. You can do that easily by filling out a form at . A local agent will help you figure it all out. I hope that helps!
Jared Balis
-
Queen B Says:
now you fill out papers and get a check for 6,200. if you owe more than that on a loan for the car, you are responsible to pay the difference unless you have GAP insurance. good luck!
-
THE BIG MELON Says:
Get a second opion.
-
Jimbo Says:
Is that an offer? You need to work out if you can replace it for that amount. Sounds a very low, get a second opinion.
-
entidtil Says:
If you accept the 6200, they take your car, you buy a new one. Keep in mind that the 6200 is not written in stone. If you think you should get more, get some expert opinion of an amount and present the new number to them.
-
danjwalker2003 Says:
First of all how where u in an accident if you don’t have any road tax or mot thats illegal to have the car on the road.
Secondly, your vehicle should not of been moved without your agreement you dont state thats the case.
If you feel that £6200 is too low the best thing to do it go online and check for the same make and model of vehicle, similar mileage, year of make etc and if they are more you can decline their offer but beware most insurers will only offer you two amounts then they will give you car back if you dont agree with it.
Finally, I would ask how it is a total loss in the first place if its only a year old and this is usually only done when the repair amount is equal to or more than 75% of the current market value of the vehicle.
Hope you find this information helpful.
P.S If you agree the offer, your insurers will ask you for the Registration document, keys, certificate of insurance and copy of your licence usually the mot as well but you said you don’t have one ?
-
bundysmom Says:
As long as you had the aftermarket items endorsed on the policy and as long as your insurance policy covers customizations (the majority do not), then you’ll be fine.
-
Ian F Says:
Well, if you don’t install adequate safety equipment, and they had no knowledge of the modification, they might deny you coverage for your injuries.
And no matter what you would DEFINITELY have trouble getting them to pay for any modifications you made. Your solid gold and burled walnut dashboard that you custom made for your 99 Civic is probably not going to be compensated.
-
mburleigh8 Says:
Depends on the accedent, If there was anyone else in your car that got hurt,
The Insurance co. may have a clause in there policy about modified cars.
You should find out. -
Clevis D Says:
If you total it, yes. You have just reduced the value of your vehicle by at least 60% so be prepared when they offer you an adjusted amount.
-
namrepus Says:
You can try to seek some advice from car insurance companies, discover their policies about that. Search it on the net visit some site, you can try to park on this cheap car insurance site for your reference and source of additional information.
-
Amanda A Says:
Get on medical. They have to take you if you are prego
-
Tiare Says:
if you are in labor, it is against the law in my state for them to send you away. but they do not have to provide you with prenatal care, you should look into what is available in your state so that you cna get prenatal care
-
nica223 Says:
They have to take you in, and the’yy just send you the bill later on.
-
Waine Says:
Dear girl, but where do you live?? I don’t think there is one country in the whole world that would turn away a pregnant girl in labour , but if such country exists then PLEASE let us know which one it is so that we can shame it and point our fingers at it in disdain, the place on earth where human life isn’t treasured.
-
Albert Says:
Don’t just show up at the hospital! Let them know in advance and they will work out a payment plan with you and give you a discounted rate for uninsured people. If you just let them send you a bill later, it will end up costing you WAAAAAYYY more.
-
Sue Says:
You can get commercial auto insurance in your person name if it is commercial use. Sounds like it is. Also, it sounds like the truck is over 10,000 GVW & if it is, it does not qualify for personal auto insurance. Call your agent & find out. You may have to put your business name on the vehicle to get a commercial package. Otherwise you will probably have to get the policy with Progessive on their business auto policy. Your young driver will still need to be listed on your personal insurance (if you have another personal use vehicle), so there really is no getting around that.
-
mbrcatz17 Says:
You have to either declare the truck a commercial usage - which means, a higher rating than private passenger usage - or start a corporation and sign the truck over to your corporation.
Lots and lots of people have tried to get around surcharges and youthful drivers, by putting a private vehicle on a commercial policy. It hasn’t been done in New England, in YEARS, because 1. a company that offers commercial coverage isn’t going to give it on a vehicle with an operator under 25, without a 25% surcharge and 2. they require that the vehicle be classed as commercial (031) or delivery (021) in order to be able to be written - NOT service use, the cheapest class.
Sorry, it’s not going to work.
-
UCANTCME Says:
FROM PAST EXPERIENCE IT WILL DOUBLE AT LEAST.
-
Barb D Says:
Depending on your age the premium for a youthful driver may be more than commercial insurance. The use of the vehicle is the important factor, not the tag.
Here’s what can happen if you do nothing. If you have a claim, your personal auto insurance can deny coverage because you are using your vehicle for business. It’s right there on the policy under the "exclusions." Those guys delivering Pizzas with their cars? Essentially un insured.
Same goes for you under a Personal Auto Policy.
Go see a couple of different agents. While you are there you may as well get a quote for your work (contractor of some sort I assume) Most places have payment plans. You arent alone, its a step toward running your business right. It will help you with sales to show your customers that you have insurance in case anything goes wrong on the job.
Don’t let the price scare you into a disaster! I’ve dealt with people in your situation many times and we almost always find a way to make it work out just fine.
-
Lawnboy & Luna Says:
If you just got your license, didn’t this question come up when you studied for the test?
You are now a licensed driver. All licensed drivers who are household members must be listed on the insurance. If they are not, and they are involved in an auto accident, the insurance will deny coverage.
Your dad is correct. Kindly ask him to put you on the policy. There will be a significant premium increase. Since you are working, perhaps you can offer to pay the difference in the rate increase. It is the responsible and adult thing to do.
Congrats and be sure you drive carefully.
-
bick Says:
Depending on the State normally someone over 21 has to be in the passenger seat or have a certain number of years behind the wheel. Call the Local DMV for more information. DMV is the Department of Motor Vehicles
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♥~*NB Reddy*~♥ Says:
If something happened doesn’t claim any insurance
-
Hi Says:
hi
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Lyndon Says:
Hi i work for an insurance company and I hope some of this info helps you.
first things first never admit that it was your fault! not at the scene or to your insurance company. Thats for the two insurance companies to argue over. You just give them the details of the accident and they’ll deal with it.
Your excess is payable in both non fault and fault claims. S yes you would be asked to pay it. In non fault cases the insurance company will give it you back as they will claim it from the other side.
Hope this helps
-
Ricardo Sanchez Says:
The excess will only apply to damage to your own vehicle - not the claim by the third party. So the correct answer is "No" - your insurer will deal with the claim from the Third Party in full. You must notify the insurer as soon as possible and pass to the insurer any correpondence you receive.
If you’ve suffered damage to your own car and want the insurer to pay for repairs then the excess of £400 will be deducted from that part of the claim.
The ABI web site has some useful information on claims processes here:
-
downey s Says:
The best way to find an answer for a question check out
-
Becky B Says:
First of all, to lose your insurance, you’ve had to be covered by that employer in the first place, correct? Do you know if it was on a "mini" or limited medical plan basis? There are rules and regulations in each state that are specifically aimed at protecting the consumer’s (insured) rights, and it just doesn’t sound lawful for that to have happened, I am a registered insurance agent for life, accident, sickness, disability, variable lines and I may be able to help you if you could furnish me with a little bit more information. Do you work in a union? I am also very framiliar with the medicaid system, there are ways to work it, I just need additional information. If you still need help, contact me and I’ll see if there is anything that I can do for you at all.
-
mbrcatz17 Says:
You take the letter from your employer saying you don’t qualify for their medical coverage, and go back to the medicaid office, and say, "No, I DON’T have access to insurance through my employer."
-
heyteach Says:
Ah the always helpful government. Do you have a student health center? They usually charge less and if they have a pharmacy that can help cut costs.
If not, is there some kind of clinic in your area–run by med school or nursing students or even a "free" clinic so you can get diagnosed and treated? Prescriptions should be available for a reasonable price at WalMart or such which ALSO might have a clinic as might a drug or grocery store in your area.
IF this is your only health problem, I pray, then look at a place like ehealthinsurance and see if you can find an HSA or some decent insurance plan and get your own.
Does your state have a high risk insurance pool IF they decide you’re not healthy enough to cover?
-
bonniejac17 Says:
Ever heard of Ameriplan? Its an alternative…
-
Viju Says:
Its very simple go to the Insurance company or insurance agent they sort-out the error. it you claim any thing in your vehicle and get from the company then the next insurance is get fully premium and if you not claim the vehicle through out the year(Policy term means 1 year) then the slab 1st year you get on renew 20% , 2nd year 25%, 3th yr. 35%, 4th year 45% and last 50 % discounts and not extend 50% onwards. if you break the cycle then comes full again.also if the Sum assured is Rs 1,00,000 lakh in last policy then it reduce 20% means now Sum assured is Rs 80,000.
Insurance…..?
Thu, Sep 3, 2009
Does any one here have word for their dog? How most does it price or does it rely upon opposite factors (breed, age, etc). If we do not thoughts discuss it me what it costs we as well as what kind of dog we have. Thanks
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48 Comments For This Post
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MIKE GRE@zy Says:
dont send him a email hes avatar says tom
email says samlexham is quite good
forgot the number -
vwsal22 Says:
Try money supermarket, they’ll give you loads of choice and you can sort them by price.
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mrratesjay Says:
The best way to find a good rate on your auto insurance is to shop around with a few different independant agents. That way you can get the rates of many companies with just a few phone calls. Of course the rate will vary based on many factors including exact age, time licensed, equipment discounts in the car(airbags, ABS, daytime running lights, etc), driving record, and always your garaging address.
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timo Says:
lots and lots
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UwishUknewMyName Says:
Contact your local insurance agent for the most accurate quote. It depends on the yr make and model of the vehicle. where you live, your driving history, your age, and what type of coverage you want.
There are a lot of factors that are considered
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Queen B Says:
a lot because of your age. are you carrying just liability or full coverage? is your driving record clean or do you have points? ever made a claim? where do you live? there are so many factors there is no way for us to tell you. call a local independent agent and they can quote it for you for free!
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JaredBalis Says:
I agree with the other user. It would be a good idea to get quotes and information from an agent in your local area. You can do that easily by filling out a form at . A local agent will help you figure it all out. I hope that helps!
Jared Balis
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Queen B Says:
now you fill out papers and get a check for 6,200. if you owe more than that on a loan for the car, you are responsible to pay the difference unless you have GAP insurance. good luck!
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THE BIG MELON Says:
Get a second opion.
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Jimbo Says:
Is that an offer? You need to work out if you can replace it for that amount. Sounds a very low, get a second opinion.
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entidtil Says:
If you accept the 6200, they take your car, you buy a new one. Keep in mind that the 6200 is not written in stone. If you think you should get more, get some expert opinion of an amount and present the new number to them.
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danjwalker2003 Says:
First of all how where u in an accident if you don’t have any road tax or mot thats illegal to have the car on the road.
Secondly, your vehicle should not of been moved without your agreement you dont state thats the case.
If you feel that £6200 is too low the best thing to do it go online and check for the same make and model of vehicle, similar mileage, year of make etc and if they are more you can decline their offer but beware most insurers will only offer you two amounts then they will give you car back if you dont agree with it.
Finally, I would ask how it is a total loss in the first place if its only a year old and this is usually only done when the repair amount is equal to or more than 75% of the current market value of the vehicle.
Hope you find this information helpful.
P.S If you agree the offer, your insurers will ask you for the Registration document, keys, certificate of insurance and copy of your licence usually the mot as well but you said you don’t have one ?
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bundysmom Says:
As long as you had the aftermarket items endorsed on the policy and as long as your insurance policy covers customizations (the majority do not), then you’ll be fine.
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Ian F Says:
Well, if you don’t install adequate safety equipment, and they had no knowledge of the modification, they might deny you coverage for your injuries.
And no matter what you would DEFINITELY have trouble getting them to pay for any modifications you made. Your solid gold and burled walnut dashboard that you custom made for your 99 Civic is probably not going to be compensated.
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mburleigh8 Says:
Depends on the accedent, If there was anyone else in your car that got hurt,
The Insurance co. may have a clause in there policy about modified cars.
You should find out. -
Clevis D Says:
If you total it, yes. You have just reduced the value of your vehicle by at least 60% so be prepared when they offer you an adjusted amount.
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namrepus Says:
You can try to seek some advice from car insurance companies, discover their policies about that. Search it on the net visit some site, you can try to park on this cheap car insurance site for your reference and source of additional information.
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Amanda A Says:
Get on medical. They have to take you if you are prego
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Tiare Says:
if you are in labor, it is against the law in my state for them to send you away. but they do not have to provide you with prenatal care, you should look into what is available in your state so that you cna get prenatal care
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nica223 Says:
They have to take you in, and the’yy just send you the bill later on.
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Waine Says:
Dear girl, but where do you live?? I don’t think there is one country in the whole world that would turn away a pregnant girl in labour , but if such country exists then PLEASE let us know which one it is so that we can shame it and point our fingers at it in disdain, the place on earth where human life isn’t treasured.
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Albert Says:
Don’t just show up at the hospital! Let them know in advance and they will work out a payment plan with you and give you a discounted rate for uninsured people. If you just let them send you a bill later, it will end up costing you WAAAAAYYY more.
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Sue Says:
You can get commercial auto insurance in your person name if it is commercial use. Sounds like it is. Also, it sounds like the truck is over 10,000 GVW & if it is, it does not qualify for personal auto insurance. Call your agent & find out. You may have to put your business name on the vehicle to get a commercial package. Otherwise you will probably have to get the policy with Progessive on their business auto policy. Your young driver will still need to be listed on your personal insurance (if you have another personal use vehicle), so there really is no getting around that.
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mbrcatz17 Says:
You have to either declare the truck a commercial usage - which means, a higher rating than private passenger usage - or start a corporation and sign the truck over to your corporation.
Lots and lots of people have tried to get around surcharges and youthful drivers, by putting a private vehicle on a commercial policy. It hasn’t been done in New England, in YEARS, because 1. a company that offers commercial coverage isn’t going to give it on a vehicle with an operator under 25, without a 25% surcharge and 2. they require that the vehicle be classed as commercial (031) or delivery (021) in order to be able to be written - NOT service use, the cheapest class.
Sorry, it’s not going to work.
-
UCANTCME Says:
FROM PAST EXPERIENCE IT WILL DOUBLE AT LEAST.
-
Barb D Says:
Depending on your age the premium for a youthful driver may be more than commercial insurance. The use of the vehicle is the important factor, not the tag.
Here’s what can happen if you do nothing. If you have a claim, your personal auto insurance can deny coverage because you are using your vehicle for business. It’s right there on the policy under the "exclusions." Those guys delivering Pizzas with their cars? Essentially un insured.
Same goes for you under a Personal Auto Policy.
Go see a couple of different agents. While you are there you may as well get a quote for your work (contractor of some sort I assume) Most places have payment plans. You arent alone, its a step toward running your business right. It will help you with sales to show your customers that you have insurance in case anything goes wrong on the job.
Don’t let the price scare you into a disaster! I’ve dealt with people in your situation many times and we almost always find a way to make it work out just fine.
-
Lawnboy & Luna Says:
If you just got your license, didn’t this question come up when you studied for the test?
You are now a licensed driver. All licensed drivers who are household members must be listed on the insurance. If they are not, and they are involved in an auto accident, the insurance will deny coverage.
Your dad is correct. Kindly ask him to put you on the policy. There will be a significant premium increase. Since you are working, perhaps you can offer to pay the difference in the rate increase. It is the responsible and adult thing to do.
Congrats and be sure you drive carefully.
-
bick Says:
Depending on the State normally someone over 21 has to be in the passenger seat or have a certain number of years behind the wheel. Call the Local DMV for more information. DMV is the Department of Motor Vehicles
-
♥~*NB Reddy*~♥ Says:
If something happened doesn’t claim any insurance
-
Hi Says:
hi
-
Lyndon Says:
Hi i work for an insurance company and I hope some of this info helps you.
first things first never admit that it was your fault! not at the scene or to your insurance company. Thats for the two insurance companies to argue over. You just give them the details of the accident and they’ll deal with it.
Your excess is payable in both non fault and fault claims. S yes you would be asked to pay it. In non fault cases the insurance company will give it you back as they will claim it from the other side.
Hope this helps
-
Ricardo Sanchez Says:
The excess will only apply to damage to your own vehicle - not the claim by the third party. So the correct answer is "No" - your insurer will deal with the claim from the Third Party in full. You must notify the insurer as soon as possible and pass to the insurer any correpondence you receive.
If you’ve suffered damage to your own car and want the insurer to pay for repairs then the excess of £400 will be deducted from that part of the claim.
The ABI web site has some useful information on claims processes here:
-
downey s Says:
The best way to find an answer for a question check out
-
Becky B Says:
First of all, to lose your insurance, you’ve had to be covered by that employer in the first place, correct? Do you know if it was on a "mini" or limited medical plan basis? There are rules and regulations in each state that are specifically aimed at protecting the consumer’s (insured) rights, and it just doesn’t sound lawful for that to have happened, I am a registered insurance agent for life, accident, sickness, disability, variable lines and I may be able to help you if you could furnish me with a little bit more information. Do you work in a union? I am also very framiliar with the medicaid system, there are ways to work it, I just need additional information. If you still need help, contact me and I’ll see if there is anything that I can do for you at all.
-
mbrcatz17 Says:
You take the letter from your employer saying you don’t qualify for their medical coverage, and go back to the medicaid office, and say, "No, I DON’T have access to insurance through my employer."
-
heyteach Says:
Ah the always helpful government. Do you have a student health center? They usually charge less and if they have a pharmacy that can help cut costs.
If not, is there some kind of clinic in your area–run by med school or nursing students or even a "free" clinic so you can get diagnosed and treated? Prescriptions should be available for a reasonable price at WalMart or such which ALSO might have a clinic as might a drug or grocery store in your area.
IF this is your only health problem, I pray, then look at a place like ehealthinsurance and see if you can find an HSA or some decent insurance plan and get your own.
Does your state have a high risk insurance pool IF they decide you’re not healthy enough to cover?
-
bonniejac17 Says:
Ever heard of Ameriplan? Its an alternative…
-
Viju Says:
Its very simple go to the Insurance company or insurance agent they sort-out the error. it you claim any thing in your vehicle and get from the company then the next insurance is get fully premium and if you not claim the vehicle through out the year(Policy term means 1 year) then the slab 1st year you get on renew 20% , 2nd year 25%, 3th yr. 35%, 4th year 45% and last 50 % discounts and not extend 50% onwards. if you break the cycle then comes full again.also if the Sum assured is Rs 1,00,000 lakh in last policy then it reduce 20% means now Sum assured is Rs 80,000.
-
Curtis M Says:
I don’t have it and I don’t trust it…human insurance is bad enough with all the small print. My dog insurance is Master Card, it’s the only "insurance" I’d recommend. It covers everything, literally! Good luck though if you feel you really must purchase insurance!
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Josh Says:
noo
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Gabriel E Says:
what? i dont think so.
-
rockyfella25 Says:
i pay 20 a month.. -
Courtney Says:
I don’t have health insurance on my dogs, but we do have insurance on them for when they are in the car with us [[if we get in an accident]]. It costs us an extra 50 dollars every 6 months for all 3 of our dogs, which are 2 pit/lab mixes, and a purebred apbt.
-
miss_nikki Says:
The cost definitely depends on the company, what is covered, if you have a deductible, the breed of dog, and age of dog. I think the average is about $30 a month. I currently can’t even get insurance for my Boston Terrier because the companies consider her too old (she’s 9).
A lot of people think that it is a much better idea just to put money away each month into an interest bearing account and to use that when an emergency like that comes up.
-
Heather Says:
My boss had pet insurance for her Boston Terrier mix. They paid 11.00 a month. She was on their wellness plan through the pet hospital. Ask around with your vet. They probably have some good information for you.
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loulou Says:
I don’t actually use dog insurance because I have 4 dogs and it works out far too expensive. Also whenever you need to use it, it doesn’t cover you for what they need it for!! You have to pay an excess anyway so Instead I put £50 per month into a separate account which I can use for vet bills. Some years I haven’t had to use it which means I have £600 saved up instead of giving it to the insurance company.
The insurance charges does all depend on the breed and age and gets more expensive as they age -
C3P0 Says:
Hi. I have pet insurance for my dog. She is a three year old Parson Jack Russell. I pay £9.50 a month and apart from the obvious health things it would cover, it also covers public liability insurance so that if my dog goes and bites somebody (I dont think she would but you never know) and they want compensation then the pet insurance covers it. There are some pretty good covers out there but you do need to shop around. If you are in the UK try the insurance that supermarkets offer. You can get quotes on line so you dont even have to leave your house to get the information. Some people will tell you that having pet insurance isnt worth it and Im sure you might have some answers telling you this but just remember if you dont have insurance and your dog breaks its leg or its life is hanging in the balance and you cant afford to have it treated then you will have to make the decision whether or not you have to have it put to sleep or not. Do you think you could live with that?
-
Santiago Says:
Go to website and search for "PET Insurance", so they should link to page and get quote for your dog. I hope that it will help you. It is depended the plans that you want. If the dog is died, will you include the plan to replace other dog? If so, how much do co-payment for replace dog?. If the dog is get veterinary insurance, how much do co-payment?, etc…
I hope that it will help you.
insurance???????
Thu, Jul 16, 2009
just wondering. my mother has a explorer as well as my father has a lumina. they already have full coverage. my subject is do they have to supplement my a word or given i have my drivers lisence i can begin driving. my mother pronounced which im already insured since it already has full coverage is which loyal or does she have to supplement me or what???
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young
February 12th, 2010 at 5:32 am
dont send him a email hes avatar says tom
email says sam
lexham is quite good
forgot the number
February 12th, 2010 at 5:32 am
Try money supermarket, they’ll give you loads of choice and you can sort them by price.