What sets you apart from the other people in the world is that you are willing to act on your dreams. That is why you are reading this article. You want to be the best at what you do and sometimes this includes making money to support that dream.
In fact, the most common dream among people is to become rich and famous. This is not much of a surprise because it is normal to look for comfort and luxury. Sometimes this comfort and luxury only comes with wealth but how does one learn about the specific steps necessary to reach the wealth commensurate to the luxury we want.
Now, there are thousand of books from an equally numerous number of authors about the ways we can make millions on different investments. However, how do you find out which book is the best. If there was a way we can get the information we need, wouldn’t we just jump on the chance?
Fortunately, there is a way you can get financial advice to help you on your way to becoming rich. Financial advisers are professionals that can give you non biased advice about what you can do with your hard earned money. Financial Companies invest heavily in their financial representatives. This would mean that there will be shortage of representative or knowledge.
The only drawback to having a plethora of financial adviser at your dispersal is that you do not know just how to pick one from the lot of them. There are a lot of choices to make. There are insurance professional that can help you with asset protection and estate planning. There are also investment gurus that can help you with wealth creation and tax minimisation.
So, how do we choose the right financial professional that will answer to your investment and asset protection needs? Well, to start, it would be nice if you knew exactly what you need. If you know what you need you can talk directly to the experts in their respective fields. Talk to insurance agents for asset protection. If you need wealth growth certified investment professionals can give you good advice.
However, the problem is that people do not know what they need and this one of the primary reasons a person goes to a financial adviser. It would be good to get opinions from several professionals regarding your finances. Get as much information as you possibly can.
It is also important to look at the credibility of the financial representative that you will be picking. Check for identifications that show that they are indeed a part of the company. Also, make sure that you do not pay cash in any transaction. Instead, your payments should only be done through a check or money order addressed to the company you are paying and not the person you are dealing with.
Talking to a financial representative opens you to the possibility of reaching your dreams but for it all to happen, you must be careful to only pick the right financial expert to help you. With the right people by your side, the sky is the limit and your dreams are within reach.
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UnumProvident is the largest group disability provider in the United States. They handle 40% of all disability insurance.
Unfortunately, UnumProvident has been accused all to often of unfairly closing their insured’s existing claims in an arbitrary and unlawful manner and denying new disability claims.
UnumProvident has been subject to hundreds of lawsuits throughout the country for their improper refusals to pay valid existing disability claims. Professionals include doctors, accountants, corporate executives, lawyers, architects, financial planners and the like who have been denied payments in spite of having a valid disability.
If you or someone you know has been denied your disability policy claim, please immediately contact our Insurance Bad Faith Denial law firm at 800-718-4658. A qualified member of the firm will help you immediately.
Unbelievably, UnumProvident’s denial of insurance claims have been continuous. A corporate pattern has been documented by 60 Minutes. 60 Minutes interviewed UnumProvident employees who stated Unum’s goal was to close claims unfairly. They actually awarded adjusters who denied their injured claimants the benefits the insureds paid for. The program featured a physician who claimed that UnumProvident terminated his employment with them for his refusal to cooperate in their conspiracy of denying claims to injured people without a valid reason.
According to 60 Minutes, UnumProvident’s disability policies have led to nearly 3,000 lawsuits within the past 5 years. We and our co-counsel have handled hundreds, if not thousands, of claims against UnumProvident.
If you have been denied by UnumProvident your disability claim, please immediately contact our Insurance Bad Faith Denial law firm at (800) 718-4658. A qualified member of the firm will help you immediately.
Insurance : UnumProvident is the largest group disability provider in the United States. They handle 40% of all disability insurance.
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As a California Pedestrian, Bicycle, Car & Motorcycle Injury & Death Accident Attorney, one has to ask just how much profit insurance companies need to make to be satisfied. The answer, when one examines the bad faith some are perpetrating today in settling personal injury accident and wrongful death claims, it appears that there is no limit to their greed.
When you get into an accident today, whether it’s your fault or someone else’s, either you or the persons you injure as a pedestrian, on a bicycle, in a car or on a motorcycle are going to be forced to deal with an insurance company that is determined to offer as little money as possible to settle any injury claims.
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If you are the person who has been injured in a bicycle, pedestrian, car or motorcycle accident or if you’ve lost a loved one, the worst thing you can do today is to try to settle your claim with the insurance company yourself. While insurance companies consider lawyers to be annoyances, they consider you to be a nuisance and will usually offer you only what they consider to be a “nuisance value settlement.” Once they have the mind set that your case can be settled for such a paltry amount, an attorney’s involvement will not change matters.
Your insurance company will be offering you or the other driver only a portion of the medical bills and a small amount for pain and suffering. If you or they have an attorney, the attorney will have to prevail on the medical providers to slash their medical bills by 1/3 to one half in order to have sufficient money left over for any attorney fees for their time and effort and the frustration of dealing with an insurance company today and to put any money into your pocket or the pocket of the persons injured in the accident.
If you’ve been seriously injured in an accident, call the Law Offices of R. Sebastian Gibson at (800) 589-3202 or e-mail us at our website, www.SebastianGibsonLaw.com If we are contacted early on in a case, we can prepare your case as if we are going to trial. Even though trials today are rare, unfortunately, it is only by preparing your case in such a manner, that an attorney today can obtain the type of settlement you deserve.
As badly as insurance companies treat the people they insure, they treat others even worse. Why should you care about the person you’ve injured? First, it’s the right thing to be concerned about someone you hurt. Second, you shouldn’t be causing them to be frustrated again when they have to deal with your insurance company. And third, when your insurance company tries to stiff them by paying them less than the amount of their medical bills and a reasonable amount for pain and suffering, much less any attorneys’ fees so they can have an attorney deal with your insurance company, they risk making the injured party sue you in order to obtain what is fair and reasonable.
As a result of the determination by liability insurance companies to make as much money as they can for their shareholders and executives, the person or persons who have been injured in the accident, whether those persons are the individuals in your vehicle or the other persons hurt by your vehicle, they will, without an experienced attorney, be forced to accept a paltry amount. Their doctor bills or your doctor bills will have to be slashed (of if there is medical insurance, the right of the medical insurance company to reimbursement will have to be significantly reduced) and your lawyer may have to reduce his or her fees as well or face the expensive alternative of filing suit.
The cause of this entire process is nothing short of bad faith by certain liability insurers who claim on television to be your best friend and who, when you need them most, or when the person you hit needs them most, turn into greedy monsters who refuse to pay more than a paltry amount and who risk having you sued by any person that you injure.
We’ve been handling personal injury cases for over 30 years and the climate in dealing with insurance companies has never been worse. While we’ve settled cases exceeding one million dollars on a number of occasions, it’s the smaller soft tissue cases where a person has significant pain but doesn’t fracture anything or require surgery that can the expertise and an extremely experienced attorney to obtain a good settlement. Having represented insurance companies (until we saw the tactics they use to take advantage of people) we know how to deal with these companies and have been very successful in obtaining millions and millions of dollars for our clients over the years.
No attorney can tell you they have the magic formula in dealing with insurance companies in this climate of insurance company bad faith, scams and rip offs, but we can tell you we do know what to expect, and we know how to counteract the tricks employed by many insurance companies adjusters. After thirty years of experience, we’ve heard all of the insurance adjusters’ lame excuses before and we know how to deal with them.
If you want to obtain what you’re entitled to for your claim, call the Law Offices of R. Sebastian Gibson today at (800) 589-3202 or e-mail us at our web site, www.SebastianGibsonLaw.com
The solution to insurance company bad faith may be legislation requiring insurance companies to pay a statutory amount from $5,000 to $50,000, depending on the size of the medical bills, in order to prevent them from offering less than the medical bills and little or nothing in the way of pain and suffering. The statutory amount can be legislated as being required in any case involving gross negligence, the use of cell phones, alcohol or any of the types of accidents such as rear end accidents and accidents in the rain that are most prevalent.
We encourage you to write to your congress representative. Let them know your experience with an insurance company and ask them to do something about what insurance companies are doing today.
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There are many areas in a person’s life that will require some type of personal insurance policy. Some people drive several automobiles and need a certain amount of insurance coverage to protect them from any type of liability. The same person will need personal insurance coverage that repairs the automobile enough to drive and other insurance amounts might cover repairs to bring it back to its original condition.
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A homeowner might require full coverage on the homeowner’s insurance they get and want it to protect people and property that is damaged on the land they own. Getting quotes for this type of insurance might seem like a difficult process but there are plenty of insurance salesmen who work independently for their own company who are willing to give a quote for personal insurance coverage on any thing that a person owns.
Some people are skeptical of providing personal information upfront because they are not willing to commit to anything at this point. Some insurance companies require detailed information such as a social security number and street address before they will provide a quote and this type of information is simply not needed at this point. This is one requirement that will turn people away from pursuing an insurance inquiry with that company.
If customers are willing to shop through the insurance for personal insurance coverage, they can bypass all of the companies that do business in this manner. They can use the search engines to find insurance companies that cover a specific need and they will most probably offer other insurance policies as well. The internet access to personal insurance policies affords homeowners a bit of anonymity that guarantees they get what they ask for or they can go somewhere else very easily.
There are many personal insurance calculators on the internet insurance sites that will provide insurance customers with a quote in a matter of minutes. Some basic information is required for the quote to be true and correct and homeowners are usually willing to provide this information and more if need be to get the quote that they need for personal insurance coverage on a home, car, boat or recreational vehicle that is parked in the yard.
Some discounts can be found in the quotes given for multiple vehicles on one policy. The quotes for insurance coverage might require the make and model of the automobile and the year it was manufactured. The computer software quote system will also require information about the driving history for each driver that will be included on the policies.
Basic information is needed by these programs whereas a personal visit with an insurance salesman might require the person to divulge more information. This is one of the reasons why people prefer to get the quotes they need for personal insurance through the internet.
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One of the most interesting facts about the Irish Construction industry is that there is no legal requirement for a construction company to hold any from of construction insurance! In fact, the only insurance an Irish contractor is legally obliged to have is basic motor insurance on his/her motor vehicles!
Although there is no legal requirement under Irish law for a contractor to hold adequate Construction Insurance it is extremely important that adequate cover is in place.
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One of the most important reasons is the high injury & mortality rate on Irish Construction sites. One major positive of the recent construction boom is the fatality per thousand ratio has fallen in recent years although it is still at an unacceptable level.
For example, in 2001 28% of workplace fatalities were Construction related and the Irish Construction industry is consistently second only to the Irish Agriculture& Forestry Industry.
As many primary contractors require their subcontractors to hold Construction Insurance the reality is that although Construction Insurance is not a legal requirement it is usually a prerequisite to obtaining work on the majority of the countries construction sites so the need for construction insurance is a necessity in everything but law!
Although Construction Insurance is quite a complex field the four main areas of cover are as follows:
• Public Liability Insurance
• Employers Liability Insurance
• Contractors All Risks
• Personal Accident
Public Liability Insurance
Public liability insurance [PL] provides cover in the event that the policyholder is sued by a third party who feels that they have suffered injury or loss as a result of the policyholders negligence (lack of care).
Consider the following examples where Public Liability Insurance will provide cover:
• You run a plumbing company. One day you are called to an office to sort out a problem in their kitchen. Accidentally, you burst a pipe, and flood the office. Your client then makes a claim against you for the damage to their carpet and computer systems which have been damaged by the water.
• You are a building contractor. While walking along scaffolding one of your men drops a piece of equipment which falls to the street, injuring a passing pedestrian. The pedestrian makes a claim against your firm.
Obviously these are very simplified examples and we haven’t discussed the complexities of Products Liability/Liability Law/Duty of Care etc however it should provide a basic understanding of Public Liability Insurance.
Employers Liability Insurance
Employers Liability Insurance [EL] provides cover if any of your employees suffer physical injury or death, and it is proven that as an employer you acted negligently and subsequently could have prevented their loss. If they then decide to pursue you for compensation the insurer will pay the cost of the claim.
Consider the following examples where Employers Liability Insurance will provide cover:
• You run a carpentry company. One of your employees loses a finger while using a chop saw and decides to claim against you for his injury
• You are a scaffolding contractor and are erecting scaffolding around an apartment block. While erecting the scaffolding one of your employees falls and suffers severe bodily injury. He decides to claim against your firm.
Please note that Public & Employers Liability is offered ‘hand in hand’, that is when arranging construction insurance you will need to arrange both Public Liability & Employers Liability Insurance together [Also known as Combined Liability Insurance] as Employers Liability Insurance is not available on a ‘Stand Alone’ basis..
Contractors All Risks Insurance
Contractors All Risks insurance (also known as Contract Works insurance) is an insurance policy specially designed for builders and a number of other trades working at a contract site. Contractors All Risks insurance can include cover for contract works, own plant, hired-in plant and employee’s tools. The main part of the contractors all risks insurance is the contract works section which provides cover for the property being worked on (e.g. new house, etc.). However, cover for the existing property is excluded (e.g. the existing structure when building an extension) and must continue to be insured under its own insurance cover.
Consider the following examples where Contractors All Risks Insurance will provide cover:
• You are a building contractor and are building a house for resale. So far you have spent €200,000 on materials and labour. The property catches fire and is destroyed before it has been completed. • You are groundwork’s contractor and are presently digging foundations for a new housing development. Naturally you leave your excavator on site until the contract is completed however one night your excavator is stolen.
Personal Accident Insurance
Personal Accident Insurance [Also known as Income Protection Insurance] is highly recommended for a sole traders, business partners and company directors as a combined liability policy does not cover any injury caused to a sole trader/business partner while it is extremely difficult for a company director to sue his/her own company. A policy can be tailored to your exact needs and policies include a tax free monthly benefit, a lump sum [capital benefit] and hospital cash.
Consider the following examples where Personal Accident Insurance will provide cover:
• You’re a self employed carpenter with no employees. You cut your hand and are unable to work for eight months. As you have Personal Accident cover you receive a tax free benefit of €1,500 after one month and continue to receive this amount until you return to work.
• Although Personal Accident/Income Protection insurance is no substitute for full time earnings it will provide you with an income if you are unable to earn and it will reduce your financial worries at a time when your recovery should be your number one priority.
Machinery & Plant Insurance
Machinery & Plant Insurance is normally arranged on a case by case basis and provides Accidental Damage Fire & Theft Cover on Machinery. This policy is normally taken by contractors who wish to cover a specific number of items.
Health & Safety Executive
In Ireland the HSE [Health & Safety Executive] have the ultimate authority over Construction Sites and have the ability to close a site if they feel it is a safety hazard. Their primary initiative is the ‘Safe Pass’ – a one day site safety training programme.
Who needs to do Safe Pass awareness training?
Safe Pass is a one-day safety awareness programme aimed at general construction workers, craft workers and “on site” security personnel in the construction industry. The aims of the programme are to:
• raise the standard of safety awareness in the construction industry
• ensure that site personnel after completing the one day awareness programme can make a positive contribution to the prevention of accidents and ill health while working on the site
• maintain a register of personnel who have received training
• provide participants with a FAS Safe Pass registration card, indicating that the holder has attended a formal course in health and safety awareness
Under the Safety Health and Welfare at Work (Construction) Regulations 2006 Safe Pass / Safety Awareness Programmes applies to -
(a) craft and general construction workers,
(b) persons undertaking on-site security work, and
(c) persons or classes of persons as may be prescribed by the Minister.
For more information on Irish Site Safety please visit the website of the Health & Safety Authority www.hsa.ie while for more information relating to Irish Construction Insurance please visit the website of Keystone Insurance www.keystone.ie, Ireland’s premier supplier of Construction Insurance.
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What’s the best idea you could ever think of? Do you want us to suggest a new one for you? What do you think of personal dental insurance? Well, lately a lot of people have been saying that this is a very good idea.
Before you jump into the bandwagon, you must know how personal dental insurance works. You should also check whether this plan is just for you, or it’s something that you and your family can benefit from.
A personal dental insurance is a contract that binds the seller and the buyer together. The seller agreed to buy a percentage of the buyer’s dental expenses.
In layman’s terms, if you do choose to go through any kind of dental procedure, the cost will be covered by the insurance company.
This is the very reason why more and more people are opting for personal dental insurance. The medical procedures in the country have increased. If an operation has to be done, it can destroy a budget that has already been planned.
If you’re wondering why dental procedures cost so much, well, just think about the years he spent perfecting his abilities and the price he had to pay for his machineries.
Since you cannot decrease the rate of dental fees, what you can do is just get a personal dental insurance plan that will help you lessen the price you have to pay. Do you know that more than half of Americans doesn’t have dental plans?
This is according to the American Dental Association. It’s time that they do. Teeth shouldn’t be taken for granted. These should be taken care of. After all, this is one of the first things that is noticed when you’re talking to someone.
Those who have personal dental insurance are those who work for transnational businesses. A small percentage of these people conform in order to be part of the American workforce. There are people who are self-employed or are running small and medium businesses.
Even if budget is tight, they should still consider allotting a portion of their hard-earned money for personal dental insurance because they don’t know that they might need it in the future.
Just like everything else, there are disadvantages of having a personal dental insurance. Basically, the con is its reputation. For the general public, this is expensive.
Well, there’s truth to that. But there dental insurance plans that are also costly but the family adjusts to the plan they offer.
Another disadvantage is that it is hard to find the best dentist. There is a constant flow of money but the best dentists out there are not subjected to personal dental insurance because the pay is lower for them and they do not like to be limited to private services.
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The reason we compare car insurance quotes from multiple car insurance companies is to make sure we‘re getting the best rates possible. Of course nobody wants to pay more money than they have to, but in the other hand we also want to make sure that our car insurance company is going to respond quickly and fairly in case of an accident.
What is unknown to many is that there is not one single car insurance company that is cheaper than others. One particular car insurance company can be the cheapest for one person but the most expensive for another. Each car insurance company has a certain category of drivers they want to insure. If you fit their category they will offer you a cheap rate, if you don’t, they will offer you an expensive rate. That is their way of filtering the people they want and do not want to insure. That is the reason we need to compare insurance rates from multiple car insurance companies, to find out which company will offer us the cheapest rate. The key is to find the company that offers the cheapest rate for you, but of course, it is important to compare rates from quality companies only.
There are many quality car insurance companies out there; however, some of those quality companies also have a high price to go along with them. How do we find a quality company for a cheap price? That, my friend, is the key question.
The traditional method of shopping for car insurance is to call around which we all know can be a long process. Another drawback of shopping for car insurance by phone is the probability of getting caught with the old “bait and hook” trick. That is when someone gives you a low quote by phone and hikes it up on you when you go into their office to purchase the car insurance policy.
In today’s world, luckily, we have the internet. The internet makes life a lot easier for all of us. Using the internet, we can shop for many types of things we may need which include shopping for car insurance.
Shopping for car insurance online is the best way to compare rates from multiple car insurance companies. Online, you can also read about a company’s history and make sure they’re a quality company. Most companies offer instant online car insurance quotes thorough their websites which makes obtaining car insurance quotes a lot easier than the traditional method of shopping by phone. Better yet, there are some websites that offer online car insurance quotes from multiple companies with one simple process. You can even purchase your car insurance online if you like the price. One such website is OnlineAutoInsurance.com. There, you can obtain quotes from quality companies such as Progressive, AIG, Infinity, GMAC, Bristol West, and several more. All with one simple process!
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You two better have a good car insurance company.
Help answer the question about car insurance
Car – Insurance?
I just sold a car. It has no insurance. The car is in New Jersey. It needs to get insurance in New York. Help?
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OnlineAutoInsurance.com provides online car insurance to all United States. One simple process will get you quotes from top insurance companies like Progressive, GMAC, AIG, Infinity and more!
]]>Here are some things that you can ask your auto insurance company for:
- Ask if you can receive a discount if you have more than one type of insurance with their company. For instance, you may find that you can have your auto insurance and your homeowner’s insurance with this company and they will provide you with a combined discount. Carry all of your insurance policies with them, such as auto, home, and life and you may find that you can get even more money off.
- If the driver of the car is a student or is listed as a driver on the car, you may find that you can get a good student discount. This is where the student maintains at least a B average on their report card. You may be required to take that report card to the automobile insurance company each time it comes out, but it really pays off. If grades go down, the discount may disappear until the grades go back up.
- See if there are any safe driver discounts available. When you haven’t had a ticket or an accident, you may find that there are discounts available for you.
- If you are a senior citizen and you’ve not had any accidents in a specific amount of time, there may be discounts available to you.
- You can always raise your deductible to cheaper car insurance premium online from auto insurer. However, you need to keep in mind that doing so will result in a higher out-of-pocket expense if an accident does occur. The standard deductible is $500, but some individuals will go as high as $2,000 to save some money on their premium. If you can pay $2,000 if an accident occurs, then that will work fine. Just make sure your deductible is not higher than what you can afford in case damage is done to your car and you need to pay it.
- You may wish to shop around. You may find a company that offers the same coverage for a lower price. You always want to compare before you make a commitment.
You want to use all of these tips so that you can save yourself quite a bit of money.
When finding the right company to do business with, it is very important that you compare. You can do this by calling companies and recording the different rates that they quote you. You can also do this by going to their websites and filling out the forms on their websites to receive quotes for the auto insurance you want. This allows you to compare in a much easier way. Take all of that information and make an informed decision.
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Help answer the question about car insurance
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?
If I use my Discover card to rent the car, Discover will provide me with a Collision Damage Waiver of up to $25,000. Would that count as insurance?
About Author
Willie James is a car insurance expert of CAR INSURANCE NEWS agency. His job is to analyze online auto insurance company’s information and publish different reviews for Federal Insurance Bureu (FIB) in Moscow, Russia. His hobbies are organic synthesis in chemistry laboratory and styding a psychodelic plants like Salvia Divinorum (Shalfey) and another entheogens and exotic plants.
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To further complicate matters, even if a loss is covered, the policy most likely includes a deductible as well as coverage limits. Depending on the nature of the loss, multiple insurance companies may be involved. For example, if a storm strikes and you have both wind and flood damage, you may have to file a claim with your homeowners insurance for the wind damage and another with the national flood insurance program (if you have flood insurance) for the water damage.
Depending on where you live, your deductible may be higher under certain circumstances. For example, in Florida, your insurance deductible for hurricane damage is much higher than if your home was burglarized. So, will your local insurance company pay or won’t they? Look at it this way, insurance companies DON’T want to pay. They are in business to generate profits and will need to be convinced BY YOU that the claim should be paid. The burden of proof lies on you, the homeowner. This means that you will need to prove your case and do it well. The better prepared and more organized you are, the better.
Documentation for Making Insurance Claim
Start with documentation. You may need to take dozens of photos and provide your direct insurance agent with detailed estimates to counter against the insurance company’s original settlement offer. You may need to demand to see how the agent depreciated your property and negotiate a more reasonable method. While your homeowner’s insurance policy is a contract, the claims process does provide room for negotiations with auto insurance company (more information on best negotiation tactics in How to Contact with Auto Insurance Company? article).
Your best bet is to be prepared for a fight. Your tools in this battle include a detailed home inventory, digital photos and video documenting the damage, estimates from local contractors, and a willingness to demand a better offer. You don’t have to do this alone. In fact, many contractors are willing to be present during the insurance adjuster’s visit to help point out damage that the adjuster might have otherwise ignored. In addition, public home or auto insurance adjusters act as advocates for the homeowner and work on your behalf to negotiate a higher settlement offer.
Arm yourself with knowledge, documentation, and real-world estimates while also considering professional representation and you’ll be better equipped to answer the question, “Will they pay for it?”
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Help answer the question about car insurance
How do you get proof of car insurance without a car?I had my brother listed as a driver on my insurance policy and he is moving so will no longer be using my car. The insurance company is requiring that I show proof of insurance before removing him from the policy. They are telling me there is no other way to remove him from the policy due to a DUI charge. Is it even possible to get car insurance without a car? What should I do?
I have been in contact again with the insurance company and here is what they wrote back "The only proof we can accept to remove youthful driver's is Proof of
Other Insurance." What is the age limit on a youthful driver? My brohter is 24.
About Author
Willie James is a car insurance expert of Online Car Insurance News Review agency. His job is to analyze american auto insurance information and publish different reviews for Federal Insurance Bureu (FIB) in Moscow, Russia. His hobby is styding a plants and smoking mixes Spice Spike and exotic entheogens.
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