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When Changing Auto Insurance Company, Do They Ask Me To Go Through Inspection On My Vehicle?

I’m thinking about changing my auto insurance company soon. I’ll probably go to online to get a quote and the insurance.
When I looked through all the questions they ask for the quote, I noticed that they ask if there are any damages on the vehicles.
(There are few scratches here and there on my vehicle.)
If I answer that there are, they would ask me how did it get them and tell me that I should report those accidents.
But I don’t want to report and I don’t even want to fix them.
Therefore, I know it’s an immoral act but I want to answer that there aren’t any damages.
So here comes my question,
After the applications and all, do the insurance company ask the driver to go through the auto inspection?

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Technorati Tags: Auto, Changing, Company, Inspection, Insurance, They, Through, Vehicle, When

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Thursday, September 10th, 2009 Auto Insurance 4 Comments

Has Anyone Hired A Marine Surveyor Who Missed Major/obvious Problems On Boat? Were They Liable In Any Way?

Marine surveyor missed major structural issues such as rotted out aft bulkhead, cracks in hull along with detached stringers from hull from engine room back to lazarette–both caused by damaged bulkhead. Surveyor doesn’t have insurance but has personal assets. Boat broker I went through had previously owned the boat on two occassions. I feel like the surveyor gave the boat the “green light” because the boat brokers knew I would buy the boat if it had favorable survey. They successfully sold me “bill of goods” which didn’t properly reflect the true condition of the vessel. I am currently out $110,000 dollars. My dilemma is this, do I follow through with lawsuit, which will cost possibly another $30,000, with the ability to recoup my losses or throw good money after bad? Or do I look to salvage vessel which was given a salvage value of $5,500? Or do I walk away from problem and try to strike a deal with the bank to reduce my outstanding loan of $60,000 if I pay the balance off in full?

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Technorati Tags: Anyone, Boat, Hired, Major/obvious, Marine, Missed, Problems, Surveyor, They, Were

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Tuesday, September 1st, 2009 Boat Insurance 2 Comments

Why Do Some People Think They Are Owed Free Health Care?

Universal Health Care, a la Hillary, would be a complete disaster to our ecomony. Yet, some people think it is a God-given right, and not a privilege.
How about this: don’t buy the biggest house, the SUV, every toy available (boat, vacation home, RV, off-road racers, etc.), stop shopping for the latest trends …
Instead, save, invest, work your money, so you can buy insurance and be grateful that the MD you end up seeing actually wants to practice medicine and wasn’t brought into med school on affirmative action.

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Technorati Tags: Care, Free, Health, Owed, People, Some, They, Think

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Sunday, August 9th, 2009 RV Insurance 23 Comments

How Do People Who Work On Fishing Boats Get Medical Insurance While They Work?

From the company you work for, through the state, or through private medical insurance.

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Technorati Tags: Boats, Fishing, Insurance, Medical, People, They, While, Work

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Wednesday, July 29th, 2009 Boat Insurance No 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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Technorati Tags: Don't, Endorsement, Have, Insurance, Motorcycle, Someone, They

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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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Technorati Tags: Don't, Endorsement, Have, Insurance, Motorcycle, Someone, They

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Sunday, July 12th, 2009 Motorcycle Insurance 4 Comments

Can The Auto Insurance Company Pay Me Directly For My Medical Expenses Or Do They Have To Pay The Doctor?

I was in an auto accident and I have medical insurance. My medical insurance covered my medical expenses; however, I wanted to know if the auto insurance is still liable for those expenses? It seems as if my having medical insurance should benefit me and not the liable party’s auto insurance company. If I did not have medical insurance the auto insurance company would still have to pay for those expenses. So shouldn’t they still have to pay for those expenses and I get what ever is left that my medical insurance company did not pay? Are there any laws statures that back this up in Georgia? I am trying to settle this claim without getting an attorney and I need all the help I can get. Any advice would be helpful. I am in the process of writing a demand letter. Thanks for all the help.

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Technorati Tags: Auto, Company, Directly, Doctor, Expenses, Have, Insurance, Medical, They

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Thursday, July 2nd, 2009 Auto Insurance 5 Comments