automobile insurance agents
automobile insurance agents questions and answers
Looking for information on Nevada Auto Insurance Check out LemonFree Cars.
Q: Anyone know of any REPUTABLE independent agents in florida for automobile insurance?
A: Yep, Hutt Insurance. www.huttinsurance.com
Great people.
Q: If an automobile accident is my fault, can I still present a claim against the other person's insurance?
I recently backed into a large truck with my little Dodge Omni. The damage to the truck was merely a cracked tail-light, but my tail-light was completely shattered and back driver's side corner of my car was dented in really badly.
At first I assumed I would have to cover the repairs to my car myself, since it was my fault. But I have since received a letter from the other guy's insurance company which vaguely stated that they acknowledge receipt of my claim and that i should keep my expenses to a minimum. I took this to mean that his insurance would cover the damage to my car after all. The thing is, I've been unable to get in touch with his insurance agent to find out how to proceed.
I'd like to just get the car fixed and then mail them the receipt for reimbursement. The thing is, if they're not going to cover my expenses, I wouldn't bother getting the body work done. The Omni's days are numbered anyway, so I'd just fix the light.
What should I do?
A: There is no reason for the other policy to pay for repairs after an accident that is your fault. You probably received a form letter. I would read it again carefully, because it doesn't sound like an agreement to pay, just letting you know they are looking at the circumstances.
Q: Does a insurance agent for the responsible party by law have to reveal policy limits?
I was involved in a automobile accident where the other driver admitted fault at the scene to the police. It was a pretty high speed accident. Can I find out the policy limits on bodily injury from the insurance carrier?
A: Sorry, but you do not have the right to ask for this information from the agent. What, you want to make sure you sue for the maximum? However, the information may be revealed in a court action. What kind of injury did you sustain?
Q: I want to get my Life Insurance license online.?
I'm already an agent for casualty, automobile and I now want to work with a friend at a life insurance company.
Any ideas on how to get started to reach that goal? Thanks!!
A: You can't take the test online. The exams are all proctored.
Q: Boat Insurance?
We just bought our first boat. I know that in the state of Kentucky it is not required to have boat insurance, but it make good financial sense to have it. I called my agent this morning and he wanted to know how much coverage we wanted. I just assumed that it was like home owners or automobile insurance., But I guess not. So here is my question. Besides the obvious replacement cost, should we include anything else. Thanks for answering.
A: we covered our boat 15 years ago for its then value. our allstate agent failed to inform us that we continued to pay premiums on the original value. The $20,000 rate dropped significantly since the value is now $8,000. a good agent will cover the boat, passengers and equipment. ask a lot of questions and you'll be fine - enjoy the water.
Q: i want to start my own business?
I want to start my oown business offering different services like tax preparing, automobile title changes, and offering home owners and casulty insurance. i have the motivation to proceed but sometimes I get scared. I been preparing taxes for the last 10 years. All i need to do is find a good online course that i can take to become a insurance agent and maybe a real estate agent too. Have any suggestions. and i also need help with a business plan can any one help me....
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Q: Insuring a Car for Somebody Else?
My girfriend had her mom cosign on the loan for an automobile. She went out and got a DUI. Her vehicle hasn't had insurance coverage for a while and, of course, the bank added their own. Problem is, she's still not covered and cannot afford the high premiums a DUI carry. I tried to convince her mom to add the car under her insurance but keep my girlfriends name off it but she refused. I heard recently that anybody can insure a car. If so, does that mean that I could add her car to my insurance, keeping her from being listed as an additional driver, to cover the car? But if that's done, and she's in an accident, and not listed as an "additional driver" are there legal ramifications? I'd go ask my insurance agent but I'm afraid he'll tell me that I'd have to list her as an "additional driver" and, as such, my rates would increase too. Is she just screwed?
A: You can't insure a vehicle you don't have some interest (ownership) in. If you try to put her on your insurance, yes, that would be an additional driver and your rates will increase.
It's called the concept of choice and consequence. She made choices which led to conviction for DUI, and the consequence is high rates on her insurance for the next 3 years. So far she hasn't shown much maturity, since she let her insurance lapse to where the bank had to add their own.
Q: Can anyone who's taken a test to get a license to sell Insurance help me with this question? Please!?
I am in the process of getting my Fire & Casualty Broker-Agent license.
I am going next month to take the State Exam (California.)
I am completely confused on one of the questions in my 'Practice Exams' book.
Here is the question:
An insured with a homeowners policy has rented an automobile in Ireland. Which of the following amounts of coverage apply to the insured's personal property while it is in the rental vehicle?
A) 10% of the property limit.
B) 50% of the property limit.
C) 100% of the property limit.
D) There is no coverage out of the continental USA.
I put the answer as A,10%! because the course study said that your Homeowners Policy covers up to 10% ANYWHERE IN THE WORLD.
BUT that was WRONG! The answers key (you can check your answers) said that the answer is, C,100%!
The answer said, "Since it's a homeowners policy, 100% of property limit applies. If not a homeowners policy, then there would be no coverage outside the continental USA."
The STUDY MATERIAL says that on a Homeowners Policy (and here is the quote from the actual study material):
Off-Premises Personal Property Coverage:
"Personal property located AWAY FROM THE RESIDENCE PREMISES IS ONLY COVERED UP TO 10% OF THE LIMIT FOR COVERAGE C, OR $1,000, WHICHEVER IS MORE."
So WHY is the practice exam saying that 100% of the property is covered by the homeowners policy?????
Is the practice exam wrong? or am I missing something?
A: C. Definately.
See, your homeowners property territory coverage, is "anywhere in the world". BUT, that 10% limitation, only applies to other locations, owned or regularly occupied by you. That would be, your beach house, your stuff in your mom's house, the stuff your friend is storing for you at their house. The exact wording is, "our limit of liability for personal property usually located at an insured's residence other than the residence premises, is 10% of the limit of liabiltiy coverage for coverage C, or $1,000, whichever is greater."
So if the off premises personal property coverage isn't qualified to say, "other residence", then THAT part of the study materials is wrong.
If you have sample policy forms, refer to section 1 property coverages, coverage C, personal property, first paragraph.
Hope that helps.
Q: what scam is these ? Does any of you beleive in such a message?
Finally this email address has brought you an unexpected luck
CONTACT Sir John Greening VIA EMAIL:pgaclaimsagency@hotmail.co.uk FOR YOUR
500,000 GBP and a peugeot 407 car(1)NAMES(2)ADDRESS(3)NATIONALITY
I hereby use this medium to acknowledge the receipt of your claims requirement regarding the winning notification mail you received, informing you of the prize you have won courtesy Peugeot Automobiles United Kingdom, after the verification process was conducted I wish to inform you that the Administrative department and promotions department has just approved your payment of the tune of 500,000.00 GBP. (Five Hundred Thousand United kingdom Pounds Sterling) a certified hard copy of the cheque of the said sum has been written in your name, Your certificate of winnings and your form b1 (otherwise known as the clearance certificate) and along side the keys and the documents of shipment of your brand new Peugeot car has been compiled in as a consignment and sent to our official security Courier company in your favor.
The security company will be responsible for the remittance of the entire winnings, and your Lottery Winnings documents which is of high importance to you, so I expect you to show great appreciation to Peugeot Automobiles as a great firm haven been in existence for years and has single handedly made this promotion possible in other to promote the use of Peugeot cars in every corner of the world through the means of the internet as a global source of reaching people world wide. incase you still have doubts arising from the angle of how you got selected, note that the selection process was carried out through an electronic email ballot system our aim was to select winners through the internet which will be a much more easier way to select winners all around the universe due to the fact that only you alone have access to your email so have no fear , for you have emerged a winner as far as you are the original proprietor to the email account which you have received the winning notification letter as distributed by Mr. Dominic Gerald the lottery manger of this great promotion .
In furtherance, to begin the final step of the claims process you are advised to contact the security firm whose details are furnished below and they shall be responsible for onward delivery of your winnings to you and you shall be expected to pay some fees along the line by the security firm for the delivery of your cheque and documents this fees will not be more than nomal shipping charges which we feel will not be a problem to you.
Before your winnings was released to security company a hard cover insurance policy was placed on your winnings by Peugeot Automobiles to avoid any harm or illegal channeling due to this, deduction of any amount of money from your cheque cannot be done from your Won prize. The instructions given inline with the rules and regulation of the British gaming board is that once you get your winning cheque you are expected to deposit it in your personal bank account and there is a certain assurance that the entire Three hundred thousand pounds sterling÷Õ you have won will be accredited into your account in not less that three to four banking days please note.
The (Peugeot car ) you have won, which is the main reason why this event was held will be shipped by Peugeot personal to your current location without any cost and once your car get to your current destination their agent in your locality will invite you to claim the car with the shipment papers and car documents that is presently inside the package you have with the Security company and as soon as you present those documents on getting there the car will be given to you so please make sure you contact the security company and provide them with their request so as to enable them ship your package, as your claims officer I will also be of great assistance to you so incase of any questions feel free to contact me anytime .
CONTACT INFORMATION .
LINEX EXPRESS
Unit 20 Britannia Industrial Estate
Poyle Road, Colnbrook, Berkshire SL3 0BH,
United Kingdom
Tel: 447045758399
E-mail:customercare.linex@gmail.com
Write to them via email upon receipt of this mail without wasting time. You are to Furnish them with your Full Name,Telephone number and Postal Address , Once again, keep us posted on any development with the Security Company, in relation to your lottery winnings.
Due to mix up of some numbers and names, we ask that you keep your winning information confidential until your claims have been fully processed and your money remitted to you. This is part of our security protocol to avoid multiple claims and unwarranted abuse of this program by some participants.
Congratulations once again.
Best Regards,
Sir John Greening (claims officer)
Peugeot Automobile Lottery Promotions
Thanks everibody . I hope I will never get these spasm messages again.
A: LOTTERY SCAM:-
♦Its purely a 'SPAM'. Do not respond to any of those messages as they intend to ‘STEAL’ your personal information. It is also enough for one E-mail to bait users into more of such lottery winning games. It is entirely a 'FAKE'. Who would give you free money if you had never participated in any of the contests?
http://help.yahoo.com/l/us/yahoo/mail/yahoomail/abuse/abuse-15.html
♦Its an EASY way of getting personal information and send you MORE of such messages to FILL up your Inbox! Yahoo keeps telling that they never send lottery E-mails to anyone saying that you've won XXX amounts. Never go to a site, which has contests and hosts mail lotteries.
http://help.yahoo.com/l/us/yahoo/mail/yahoomail/abuse/abuse-63.html
♦People get thousands of E-mails everyday saying that they've ‘WON’ lottery prizes and amounts and even go to the extent of claiming their prize. NEVER RESPOND TO IT!!
Folks are also getting ‘DUPED’ by such kind of activities and fall to the trap of spammers! These lotteries ‘CONFIRM’ your working E-mail address and intend to send more of such mails
♦These links could help you out:-
http://www.microsoft.com/protect/yourself/phishing/lottery.mspx
http://en.wikipedia.org/wiki/Lottery_scam
Best Wishes and Take Care ♫♪
ןʍoɥ sʇɥƃıu
Q: Is the agent named in a D.P.O.A liable for the debts of the deceased person?
Disabled person has been handling thier own affairs, but is physically disabled. She named me as attorney-in-fact to handle her affairs if needed. She recieved an insurance settlement from an automobile accident. The attorney paid all medical bills that had come in. Since the settlement more bills have been attributed to the accident that were not paid. Settlement money has all been spent by her, so she has ignored collection efforts. Collector called and said that since I was her Durable Power of Attorney I could be held responsible for her debt. Is this true? She is not yet deceased but is in the hospital not doing well.
A: No, agents (which a person with Power of Attorney is) are not liable for the debts of the principle, except in very limited and rare cases.
Q: help! is this scam from beijing olympic games or what ?
okay i recently received this msg, :
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Date: Thu, 6 Mar 2008 21:51:47 +0200
From: "PROMOTION OLYMPICS" ..
Subject: BEIJING WORLD CYBER OLYMPICS GAMES CONGRATULATION (YOU JUST WON LOTTERY)YOUR E-MAIL ADDRESS WON THE LOTTERT'''''
FROM THE INTERNATIONAL PRIZE AWARD DEPARTMENT
Category A Prize Winner
CONGRATULATIONS!!
BEIJING WORLD CYBER OLYMPICS GAMES 2008 LOTTO PROMOTION.
SPONSORED BY AUTOMOBILE AND TELECOMMUNICATION INDUSTRIES IN HONG KONG AND CHINA
Sir/Madam,
We are pleased to inform you of the result of the NLF ONLINE International Lottery BEIJING WORLD CYBER OLYMPICS GAMES 2008 Lottery programs that entered on your e-mail addresses amongst other addresses for the international lottery programs conducted by NLF ONLINE, were selected through a computer ballot system drawn from 20,000 companies and 30,000,000 individuals e-mail addresses from all over the word as part our automobile business and telecommunication promotion programmed in hong kong and china.
Your e-mail address attached to the ticket number
719-226-1212 with serial number 802-57, drew lucky numbers 5, 12, 18, 30, 17, 43, and Bonus numbers 777 , Your INSURANCE Number: FLS411/ 820L /GMSA, which consequently won in the 1st category, you have therefore been approved for a lump sum pay out of USD$ 500,000.00 (Five hundred thousand United States Dollars) from a total sum of USD $2,500,000.00 shared amongst the first 5 lucky winners entered in their 1st category, BEIJING WORLD CYBER OLYMPICS GAMES 2008 FORTUNE LOTTO DRAW.
CONGRATULATIONS!!!
All participants were selected through a computer ballot system drawn from over 20,000 companies and 30,000,000 individuals email addresses and names from all over the world. This promotional program takes place every year. This lottery was SPONSORED BY AUTOMOBILE AND TELECOMMUNICATION INDUSTRIES IN HONG KONG AND CHINA.
However, you have automatically qualified to take part in our next year USD5 million international lottery programs.
To file for your claim now, please contact transglobal
Trust finance Agency lottery Agent. Mr. LINZ HONH
CHINA HEADQUARTERS
WINNERS ORIENTATION CENTRE,
# R04 UNIT/639 HUANSHI DONG LU
BEIJING, CHINA
EMAIL:beijing_olympics@movemail.com
ENGLISH SPEAKING DEPARTMENT
DIRECT HOTLINE:+86 13265110917
FAX=86 -020-38297882
Please provide him with your 6 digit numbers 8, 3, 7, 9, 5, 2 and your password RRTAz15. You are also advised to provide him with the under listed information as soon as possible:
1. Name in full:
2. Address:
3. Nationality:
4. Age:
5. Occupation:
6. Phone/Fax:
If you do not contact your claims agent within 7 working days of this notification, your winnings would be revoked. Winners are advised to keep their winning details/information from the public to avoid fraudulent claim (IMPORTANT) pending the transfer/claim by Winner.
Congratulations once again!
REPLY linzhonh@hotmail.com
Sincerely yours,
Mr. linzhonh
V.P. Finance
The LOTTERY COORDINATOR.
en. beijing2008. cn
AND THE SCAM PART IS THIS:
Scam Related to the 2008 Beijing OlympicsWe have recently seen a scam purporting to be from the China National Offshore Oil Corporation that makes claims of winning money and a trip to the Beijing Olympics in 2008. The email looks like the usual "Winning Notification" lottery emails that are all too common. However, the twist is that not only do you "win" money, but you also win a trip to the 2008 Olympics. This is the first scam that we have seen that tries to live off the name of the 2008 Olympics in Beijing.
The China National Oil Corporation is currently a hot stock market pick and owns a certain portion of valuable crude oil worldwide. By utilizing this known company to promote a "free" trip to the Olympics the scammer is looking to receive a lot of interest on this offer. And what does the spammer hope to receive in return? Valuable personal information. Here is a sample of one of the spam emails:
From: XXXXXX@hotmail.com
Subject: CONGRATULATION!!!! Beijing 2008 Olympics games promotion
WINNING NOTIFICATION/ FINAL NOTIFICATION
We happily announce to you the results of the China National Offshore Oil Corporation Olympic LOTTO AWARDS,International online Sweepstakes ……which
subsequently won you the lottery in the 2nd category i.e. match 5 plus bonus.
Our organization here in China decided to sponsor 100 eligible adults
to visit the Peoples Republic of China in August for the Olympics and
you have therefore been approved to start the process of opening line
of communication with our agents in other to obtain visit permits.
Your agent will immediately commence the process to facilitate the release of your funds as soon as you contact him and
provide him with the below details.
*Name of Winner:
*Address:
*Nationality:
*Sex:
*Tel:
*Occupation:
*Age:
*Amount Won:
*Lucky Nos:
*Ticket No:
The fact that the company this scam is purportedly coming from is a hot stock market pick right now combined with winning money and a free trip to the Olympics is bound to incite interest amongst recipients. This is a classic example of enticement. Scammers that pretend to come from a well known source immediately ease the recipient's doubts using the "known" factor. Then, they offer up free goods. In this case, the free goods consist not only of money but also coveted Olympics tickets.
As always, be cautious of opening and/or responding to unsolicited email. Before you open any email, be certain that you are expecting the email or at least have a good idea of what it is about, you know the sender, and that the sender's email address is familiar. The unfortunate part of this classic type of ruse is that in many cases, the old adage applies: if it sounds too good to be true, it probably is.
Posted by Kelly Conley on November 15, 2007 05:00 AM
THE THING IS ARE BOTH THE SAME ?
And what should i do? reply it ? im just 14 and i shouldnt be playing lotteries. i never take part in the contest before
A: Yes any email that you receive and say you have one the lottery or some kind of prize, it is 100% a scam. Logic, if you did not purchase a lottery ticket, then there is no way that you can win a lottery. If you did not enter any contest via the internet, then there is no way you are going to win a prize.
Same for the Nigerian scams, they all say my late father was some high ranking official, died and left me millions of dollars and the senders is in a refugee camp.
If you please ctc. my attorney, (email given), we will give 25% of millions of dollars to tfr, the money out of Nigeria into your account. We have great faith and trust in you that when I arrive where you are, I can obtain the rest of my money.
What you will find is that all of your money in your account has been wiped out. You will never get one cents back because every one of these scam artist hide behind a proxy that they change every time they ripp of a person that was just born yesterday.
Please excuse my English, not my primary language.
Mind Doctor, France
Q: Obama and McCain supporters what do you think of this?
I am writing this letter before the election, but deliberately mailing it after November 4.
The national election is over. Somebody won. One candidate will take residence in the White House, and one will go back to their well-paying career as a US Senator.
But somebody lost, and lost big: the working, and/or investing, taxpaying private citizen.
Let’s face facts. No matter which candidate won, nothing substantive is going to change. Failing businesses will continue to be propped up by the federal government, until they became “too big to fail.” Poor executive decisions will be rewarded with government takeovers, funded by working taxpayers.
Industry after industry has received corporate welfare for decades now. Remember $12 billion to the airlines after September 11? How about $25 billion to the automakers? Despite this corporate welfare, these industries continue to falter and flail. When you fly a “private” commercial airline, are you treated as if you were that company’s employer? You should be, because they operate on your dime. And now the finance and insurance companies are getting in on the action.
Instead of encouraging more effort on the parts of these failed companies, so that they might succeed competitively in a free market, these bail-outs encourage nothing but the decay of our infrastructure. Large companies can be as inefficient and rude as they want—it’s impossible for them to lose money. Why do you think it has become a nightmare to travel anywhere, by plane, train, or automobile, in the US over the last fifty years or so? And if thought buying insurance or going to the bank was fun before, wait until you are being “helped” with your finances by federal agents.
But war needs your tax money, too. We’ve got troops stationed in 130 foreign countries; Iraq and Afghanistan are just the most recent “additions” to the protective wing of American blood and treasure. Did either candidate even mention this during the election? Think about it for a minute: 130 countries being watched over by America’s sons, daughters, fathers and mothers. Does the world seem safer or more “democratic” to you?
Partisanship has gone beyond absurd to terrifying. The cognitive dissonance is surreal; people will bitterly attack “the other” party or candidate and then, as justification, bring up an issue on which both candidates agree!
Both candidates voted for the obscene “bail-out” that was just stolen from our national treasury against the vocal wishes of 85% of Americans. The rhetoric has gone beyond empty—it is a vacuum that sucks rationality and critical thinking from the minds of a panicked public.
There was one candidate who actually represented “stopping the madness” in this election cycle: Ron Paul. His candidacy is over, thanks to a media black-out, but the movement he represents is in full swing. We at the Campaign for Liberty are trying to bring together third-party and independent voters from all across the spectrum. We want your help whether you are Green party, Constitution Party, Libertarian, or even a Democrat or Republican. We will be in your area soon, and we hope to talk about the things that really matter. The stakes have never been higher.
http://www.campaignforliberty.com/
A: I'm with him in the Campaign for Liberty.
Tuesday is only an election. The future remains.
Q: I received this e-mail .Is this for real?or a scam?
THE INTERNATIONAL AWARENESS
PROMOTION DEPARTMENT,
BMW AUTOMOBILE COMPANY.
62 Winslow Road,
London,Middlesex,
W6 9SF,
United Kingdom.
Dear Winner,
The Board of Directors, members of staff and the International
Awareness Promotion Department of the BMW Automobile Company after a
Successful
Production and Transaction year 2006, wishes to congratulate you on
your success as the STAR PRIZE WINNER in this years' BMW Automobile
International Awareness Promotion(IAP) held on 7th March, 2007 in
London,
England. This makes you the proud owner of a brand new BMW 5 Series, M
Sport Saloon car and a cash prize of £500,000.00GBP (Five Hundred
Thousand Great British pounds). The car comes with a special BMW
Insurance
Cover for one whole year, that is, till the next promotion in 2008.
DESCRIPTION OF YOR WINNINGS:
MODEL: 550i M Sport Saloon
Prize Award: £500,000.00GBP = $973,505.58 USD (Five Hundred Thousand
Great British pounds)
===================================================================
For you to collect your prizes, kindly fill the verification form below
and send it to the Claims Manager, Mr Smith Buchanan of our claims
department through email with the informations below: stating your
receipt
of this notification. He has been mandated to offer you assistance and
facilitate the urgent delivery of your prizes.
To file for your claim, you are to fill this form immediately and
forward to our fiduciary agent via email:
===================================================
Mr. SMITH BUCHANAN
Email:claimsdept_bmwaward_90@yahoo.co.uk
Phone numbers: +447011129276
===================================================
Remember, all winnings must be claimed not later than two (2)weeks,
after this date all unclaimed funds will be included in the next stake.
Please note in order to avoid unnecessary delays and complications
please
remember to quote your Reference number and Batch numbers in all
Correspondence with the claims officer.To facilitate the processing of
claims, the following details are required:
Winners Name (full):
Address:
Nationality:
Country:
State Province:
Occupation:
Age:
Phone/Fax:
Mobile:
Ticket Number:
Serial Number:
Winning E-mail address.
A: scam
Q: email below;?
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From: "bmw lottery"
A: Sorry, this is a scam. BMW doesn't run any lotteries like this (see the links below for more details)... it's just a variant of advance fee fraud (also know as a 419 scam). First, you (and thousands of other people) get a spam message stating that you won the lottery. If you believe the scammer and reply, he will charge you a fee before your winnings can get to you: in this case, it's probably to pay shipping fees for your "new car". The whole thing is made up just to steal your cash.
Q: Insuring a Car for Somebody Else?
My girfriend had her mom cosign on the loan for an automobile. She went out and got a DUI. Her vehicle hasn't had insurance coverage for a while and, of course, the bank added their own. Problem is, she's still not covered and cannot afford the high premiums a DUI carry. I tried to convince her mom to add the car under her insurance but keep my girlfriends name off it but she refused. I heard recently that anybody can insure a car. If so, does that mean that I could add her car to my insurance, keeping her from being listed as an additional driver, to cover the car? But if that's done, and she's in an accident, and not listed as an "additional driver" are there legal ramifications? I'd go ask my insurance agent but I'm afraid he'll tell me that I'd have to list her as an "additional driver" and, as such, my rates would increase too. Is she just screwed?
A: First, if you add her as an additional driver, when they run her license they will find out about the DUI and raise the rates big time anyway.
And if you insure the car under her name and she drives it and there is any kind of claim, the insurance will be voided as soon as the police report her license number to the insurance company. You will then be stuck for the entire cost of the accident.
She went and chose to drive drunk. The high insurance rates are society's way of hammering it into her head that DUI is not a good thing to do. If you help her get off the hook, she will not learn the lesson she sorely needs to learn.