Insurance Laws FAQ

After an accident do you have to file an insurance claim with both companies?

den — Mon, 29 Dec 2008 11:23:09 +0000

Is it necessary or required by law that a claim needs to be filed for both insurance policies.

Submitted by: 50 / 50

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Is motorcycle insurance required in the us?

den — Thu, 25 Dec 2008 07:15:42 +0000

My friend who rides told me that the law does not require you to have insurance if you ride a motorcycle. He said it’s only an option if you want to purchase insurance or not. Is there any truth to this??
OH, and the state is Florida, if that matters.
Ok, wow never mind, some of you on this sight do have some knowledge, others are just talking out of your butts. For all those who clearly don’t know what their talking about read this…

Is insurance required on motorcycles?
There is no statutory requirement to purchase insurance on motorcycles, except when a driver has to prove financial responsibility due to violations or failure to pay for damages they caused in an accident. Lenders may require comprehensive and collision coverage to protect their interest.

Submitted by: jmat2407

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Is Hillary’s idea of Univ healthcare 2 make insurance mandatory?

den — Tue, 16 Dec 2008 16:04:42 +0000

To force everyone by law to buy insurance is a far cryfrom getting needed medical care. Are Hillary’s insurance lobbyists and other special interest backers responsible for this flip flop?

Submitted by: Boycott Hollywd Commies

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I disagree with the amount of money the insurance company wants to give my sister in law on her stolen car?

den — Tue, 16 Dec 2008 02:23:03 +0000

The insurance company wants to give her , lets say $950.oo on her car. The blue book price is $2400.00. The car eas in good condition. They told her they do not use the Blue Book or NADA, but go by CCC(?). Is this correct and what is CCC. Her deductible was $500. They also told her if she would have called within 30 days they would have paid the taxes on on her purchase of another vehicle.

Submitted by: medah20001

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Is there a law in Texas concerning 2 vehicles on the same insurance policy?

den — Tue, 16 Dec 2008 00:44:36 +0000

I have been told that there is a state law, in Texas, requiring that 2 vehicles on the same policy MUST have identical coverage, even if one is not worth the higher coverage. Does anyone know about this?

Submitted by: star_angil

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Does Texas have a limit to the amount that insurance company’s have to pay for stolen items in your vehicle?

den — Sat, 13 Dec 2008 13:18:06 +0000

Recently had a truck stolen with about $1,000 worth of fishing equipment inside. I have full coverage auto insurance from USAA insurance and the rep told me that under Texas Laws the maximum that they would reimburse me was $250. Is there any fact to this.

Submitted by: Tele-Kinetic

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My mother n law just found out she has breast cancer, and she has no insurance. What can she do?

den — Thu, 11 Dec 2008 08:53:25 +0000

With no insurance, is there any place or organization that can provide help to persons with breast cancer?

Submitted by: pip

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Outpatient surgery center patient cashed large insurance check and wont pay, what can we do?

den — Mon, 08 Dec 2008 19:14:21 +0000

I work for an outpatient surgery center. We have a patient that had a very expensive procedure at our facility. We billed the patient’s insurance and they paid…the patient. The insurance company says it’s our problem to get the money from the patient. The patient won’t return calls or mail. What laws has the patient broken? What can we do to convince the patient to repay us?

Submitted by: Chris

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If I make my son the beneficiary on my life insurance, can my husband also access the money if he survives me?

den — Sat, 29 Nov 2008 09:36:47 +0000

I am concerned about the possibility that, if I name my husband as the beneficiary, his ex-wife will be able to access MY life insurance money because of a quirky law we have that says he must claim any “significant non-income-producing assests” when they figure his child support obligation. $400,000 in cash sitting in the bank would qualify as a significant asset. This money is intended to secure MY family’s financial future should I die, not hers. My hope is that I can leave it all to my son, and have my husband be able to use it to pay the living expenses until he turns 18. Does anyone know if my husband would have any problems accessing the money whenever and for whatever he needed it?

Submitted by: hdcowboyblondie

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How do we get insurance to work without a genetic profile to be a factor?

den — Sat, 29 Nov 2008 03:00:02 +0000

They say the government will not let health insurance companies look at your genetic profile and reject insuring you. That seems fair to ordinary citizens. However, on the flip side there will probably be people who want to check their dna and so there will be people with genetic diseases purposingly signing up for insurance knowing that it’ll pay them back in the end.

Then the people without genetic problems are going to pay more because the insurance companies are dealing with those that are ill. I am ill myself, but my question isn’t about me. It’s just about how this law could work?

Submitted by: ribcarbean

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