Don’t

No Insurance, Don’t Qualify For Medicaid…?

anyone else in this boat? we are a family of four with no insurance, and we don’t qualify for medicaid. private insurance, however, would run us about $650/month. just the 2 kids would be $350. we don’t have that kind of money. anyone else in this boat, and what do you do?

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Wednesday, September 16th, 2009 Boat Insurance 2 Comments

Do You Know Of Any Auto Insurance Companies That Don’t Base Your Rates On Your Credit Report?

Due to an illness/ disability in our family, despite having health insurance, we still owe thousands in medical bills. Those that would not work with us turned them into collection. They now show on our credit report.
Despite being insured for both our auto insurance and our home insurance for 20+ year with the same insurance company, we got a notice saying our auto insurance had gone up hundreds of dollars per year based on a credit report they obtained. We have never had an accident, ticket, etc. and the amount automatically comes out of our checking each month. Plus, last year, prior to this, they switched us to a preferred group within the company and gave us a discount when we threatened to switch.
How can I find out which insurance companies base your insurance rates on your credit report and or score? Will they tell you outright? This is the first I have ever known that our company did this and was wondering if all of them do it, or do you just know about it when you get a notice like we did?
I get their reasoning but it seems like such a rip off when so many are in our boat- insured but with insurance that is starting to pay less and less and cost more. Plus, they have our checking account and if we were not to pay, they wouldn’t be responsible for us if we had an accident anyway. Seems like a double whammy to me. Can anyone help?

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Friday, September 4th, 2009 Boat Insurance 4 Comments

Am I Required To Get Rental Car Insurance If I Don’t Have My Own Auto Insurance?

I am planning to sell my car and cancel my auto insurance. If I want to rent a car, am I required to buy their rental car insurance, since I wouldn’t have any other auto insurance otherwise?

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Tuesday, July 28th, 2009 Auto Insurance 11 Comments

We Damaged The A/c & A Bit Of The Roof Of Our Rental Rv By Going Under A Bridge( Don’t Ask!)?

I believe the RV rental insurance does not cover it. Has anyone dealt with this problem before. Any idea how much it can cost?

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Monday, July 13th, 2009 RV Insurance 2 Comments

Can Someone Have Motorcycle Insurance If They Don’t Have An Endorsement?

So my dad doesn’t have a motorcycle endorsement, but I do. It would be cheaper to put him on the bike for insurance. Do they usually allow that if he wouldn’t ride the bike?

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Sunday, July 12th, 2009 Motorcycle Insurance 4 Comments

Can Someone Have Motorcycle Insurance If They Don’t Have An Endorsement?

So my dad doesn’t have a motorcycle endorsement, but I do. It would be cheaper to put him on the bike for insurance. Do they usually allow that if he wouldn’t ride the bike?

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Sunday, July 12th, 2009 Motorcycle Insurance 4 Comments