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What does total excess mean with car insurance ?

hi on my car insurance it says 450 total excess what does that mean ? thanks

   








What length term life insurance should my husband take?
Do you need to stay with a certain car insurance for a period of time?
What will happen if my wife gets pregnant and we dont' have health insurance?
The best car insurance for a beginning teen?
Can I register my car without insurance in Utah?
Can Obamacare reduce my health insurance cost? And when does this go into effect?
What is the difference between v6 and v8 engine?
Should I insure an expensive bicycle?
According to the TV everyone is talking about cheaper car insurance.?
What type insurance covers lapband surgery?
Driving without auto insurance?
Flipping Cars - Insurance?
Lost Key? Insurance Help?
How does Life Insurance work?
Where can I find cheap auto insurance?
Are CONS super BUTT HURT that they had to pay 50 cents extra for their Insurance Premiums? Do they need some DEPENDS DIAPERS?
I am looking for good insurance on a new car.?
Is it possible to get Kaiser HMO through REALTORS Core Health Insurance?
If I buy a turbo car will it raise my insurance?
Lost my national insurance number, how long do replacements take to receive?
Motorcycle insurance prices in uk at 17-19?
Title of the car is under my name alone. can my brother register it under his name as well as the insurance?
Are VW Passats affordable cars to insure?
Car insurance for a 16 year old?
Do you need insurance for a driver's permit?
Disability and life insurance - recommended companies?
How much does motorcycle insurance cost in the uk for a 18 year old?
How much would car insurance be for me?
What liability limits should I apply to my auto insurance?
On average how much is car insurance if you've been in an accident and?
What stopped Larry Silverstein from putting in a 3rd insurance claim, one for WTC building 7 ? It also collapsed totally all 610 steel Ft.?
How expensive are the typical tests for thyroid cancer(small needle biopsy, stuff like that) without insurance?
What can I do about car insurance from another state? PLEASE HELP!?
What can I do about car insurance from another state? PLEASE HELP!?
Insurance for motorcycle rates.?
Is car insurance group 11 lower or higher than group 32?
I canceled my progressive insurance?
Where can i get the cheapest car insurance for renault(96 model) in london?
What is the process of an insurance claim on a single car accident?
How much is insurance for a 99-01 mercury cougar?
Mock life project need auto insurance but i'm confused how to get some?
Can i buy CAT 'D' INSURANCE WRITE OFF Vauxhall 2007 Car?
Is it expensive to have a car as a foreign student in Sweden, Norway, or in Finland?
What would be a good first car?
Which life insurance companies deny the most claims?
If i have a whole life insurance policy with premiums that go up every year,can i sell it to someone else ?
Cheap car insurance for young new driver?
Car Insurance for 18 yr Old?
What relativley low insuarnce group sports bikes are there?
Saving up car + insurance HELP !?
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Car Accident/ Insurance Question! HELP!?
Made a really huge mistake today. Was rushing to get somewhere when I was backing out of my parking spot and hit a parked work truck! No one was inside of it, absolutely no one was around, and it was in an apartment complex that doesn't have cameras. You can not tell that the truck is damaged AT ALL. No paint scratches, no dents, nothing. However, my tail light went against his hitch and is completely cracked/shattered, and part of my bumper is knocked out of place (but not dented). You can see some of his paint on my car. I panicked and drove away because I was really scared and didn't know what to do. I was going to come back and leave a note on his windshield and then I realized that you can't even see the damage. I can't tell my parents because they're going to be so mad at me (last month they paid $600 out of pocket to replace my bumper when I irresponsibly let my boyfriend drive my car and he backed into something, I lied and said it was my fault and they were understanding but I can't tell them this time or they're going to worry too much about me driving). I'm a very responsible girl, 17 years old no criminal record or anything but don't know what to do. If I say I came out of a store or school or something and someone must have hit me/ I don't know what happened, can I get in trouble for lying that it was a hit & run if they decide to get a claim from my insurance and can insurance tell? What should I do and what are the consequences if I lie!? Help ): !"


"As an owner-operator, working for the big taxi company, what kind of insurance do I need on the cab?"
I'm in California. I'm working as a cabbie for that big taxi company with the brightly colored cabs. You know, the one everybody thinks of first. I just bought my own taxi car and it's being converted into a taxi which I will drive for the company. The boss has given me an insurance card, and he says this is the only insurance I need. But I'm worried about it, because the taxi car will also be used a little as my private vehicle, you know, like to drop off my kid at school, or pick up groceries, etc. If anyone knowledgeable can shed some light on this for me, I'd appreciate it. Thank you."


Is it any difference between Insurance agent and broker?
Is it any difference between Insurance agent and broker?


Want to sell my insurance idea?
I have a unique idea 4 a short term insurance in south africa. How do i sell it 2 insurance companies?


I got a ticket for going 87 in 70 this morning on my way to Houston from San Antonio.?
I got a speeding ticket for going 87 in a 70 this morning on my way to Houston from San Antonio. One the information slip I got along with my ticket, it says that the fine will be $197.00. I don't have that much money. I'm sure id' be able to get the money if it came down to it, but if I take a defensive driving class, will I still have to pay the speeding fine? I've never received a ticket before, so I'm not sure what to do. Also is there any way for me not to have to appear in court? The place I'd have to go to is about 100 miles away, since I was in the middle of nowhere when I got it. If I take def driving will my insurance not go up?"


"My parents house burned down today. My dad has replacement value"" home insurance. Pls read the text....?"""
My folks like in Austin, Tx. and the neighborhood where they live had a humongous fire tear through it burning down at least 40 houses, probably much more. My dad has replacement value"" home insurance"


Does mods affect car insurance?
Hey guys I have a honda civic 2000 and i was going to to add some mods such as an intake and a BOV as well as body kit and other engine modifications. I was just wondering what would happen if i didn't tell my car insurance provider about these what would happen?


Help!! Question about car insurance.?
I am a teen driver and it will cost a lot to insure me in a Range Rover. Is it possible for my mom to put me on the insurance for her car (Honda civic) and put herself on my car (Range Rover) in order to make the insurance less? Any other ways we can make the insurance less? Please don't criticize my car choice or think that I am some snobby spoiled kid. The car is a gift from my dad who has not been in my life since I was born.


Will a cat D effect the cost of insurance?
i know the insurers value the car at up to 25% less so it's important to get a car that is atleast 25% below most similar models but what about the insurance group does that go up?


What is the best insurance company to have if you need to go into a rehabilitation center?
Which insurance covers the most??


Is a nissan 350z a good first car to get my son?
Is a nissan 350z a good first car to get my son?


Which is worse on insurance costs or points a DUI or not haveing insurance?
My insurance company has on record that my husband had a DUI 2 years ago, but he didn't I got the paper work to show that it was a driving without insurance charge but I want to know which is worse to the insurance company."


I am looking for insurance I am 18 I dont work I live with my god father but he doesn't have insurance either.?
um actually the goverment gives you free insurance till a certain age but I don't know when that is or where to go to fill out paperwork


The best car insurance for a beginning teen?
Car insurance for a teen is expensive no matter what. Some things to consider. Get a sedan. It is cheaper to insure. The older the car the cheaper the insurance. Also do you qualify for 'good student' discount? If you are a guy, you are going to pay more than if you were a girl. Also, some insurance company's give discounts for taking driver's ed. It depends on your state as to what is required regarding driver's ed. Some DMV make the parents sign a statement that they spent a certain amount of hours teaching and supervising the student driver. Others have requirements that the parent must attend a class with the teen about texting, drinking and driving. So think about all of these factors when you look for insurance. One final comment: call around to different companies and get different quotes. You will need the make and model of your car for a quote."


No health insurance?
I don't have health insurance anymore because my COBRA coverage is over now. Because I have a pre-existing condition other health care companies won't take me. I have tried to find a job that offer health insurance, but seems very difficult right now. Because I own half of the house where I live. I been told that I cant qualify for any low income health care services. I don't know what to do? I dont even have a job, and Im considered well off to qualify for something. Have anybody out had this problem? I live in California."


What does total excess mean with car insurance ?
hi on my car insurance it says 450 total excess what does that mean ? thanks


"I need cheap car insurance, I'm in college?"
I'm 19, a college kid and need car insurance. I now it's going to be crazy high, but if anyone has any insight or tips to make it cheaper, it would me much appreciated."


I was in an car accident other side ran a red light and hit my car in the middle of intersection.?
He came so fast that that by the time i saw him there was nothing I can do. He was on a 4 lane street with a center island and i was coming out of a smaller street.(not gonna get into deep details) we both collide in the middle. There were witnesses there but they didnt seem to wanna get involved so I didnt bother, because his wife came over and said sorry about what happen and the police assured me that they were at fault.Of course they told state farm both our insurance company a different story. On the police report it say Car 2 which was me had a green light. Car 1 him"" related that he saw a yellow light and accelerated through the intersection and hit my car. ""he lied but whatever"" If he was trying to beat a light what are the reason for me to be in the middle of the intersection for him to hit me ""if"" my light was red. I send the police report to state farm and they said the report is inconclusive. They need to investigate more. I have a feeling state farm dont wanna pay me. I ran the guys plate number and his record show he have 1 red light ticket and 3 speeding ticket these 2 months alone. I just want to ask what are the chances of my winning this claim"


Car insurance address when at university?
I am a university 20 year old student and I will be insuring my first car next month. I was just wondering if I would be able to use my home address for the insurance details ro whether I would have to put my term time address. i ask this because I come from Wiltshire (low risk) and I go to uni in Birmingham (high risk). I mean my car will be with me at uni but the cost is sooo much lower if I use my home address. Is this ok and legal? Cheers


Where can I find the cheapest auto insurance?
I am a new driver and I need to go on my own insurance policy. I am 19 and am wondering if anyone knows?


Can I apply for gap insurance after my car is in the process of being declared totaled?
Its because my car is declared totaled by hail damage but i still owe 10,000 and all i will most likely be given is 6,000 and id realy like to keep my car somehow.I just wanted my dents repaired but now i may lose my car and the bank may get some money but then i get screwed what can i do this isnt right if they take my car how am i suppose to pay it if i have no means to transport myself agin all i wanted was repairs and a cliam is filed it hasnt bin declared totaled yet i just want to save it!"


How much will insurance cost for a age 36 driver who got her license in this year?
Just give me estimate.


How much I have to pay for car insurance in Tokyo?
well, mah dad gifted me a new Camaro Giovanna. How much to pay for its insurance. Thanks in advance."


If men have to pay more for car insurance then why aren't women paying more for health insurance?
You can use the same exact argument they use against men to increase their car insurance. http://www.jfponline.com/purls/Pages.asp?AID=2450 From the departments of Family and Community Medicine (K.D.B., E.J.C.) and Internal Medicine (J.A.R.) University of California, Davis, School of Medicine, Sacramento; and the Division of Statistics (R.A.) and the Department of Economics (L.J.H.), University of California, Davis, Davis. Reprint requests should be addressed to Klea D. Bertakis, MD, MPH, Department of Family and Community Medicine, 4860 Y Street, Suite 2300, Sacramento, CA 95817. E-mail: kdbertakis@ucdavis.edu. BACKGROUND: Studies have shown that women use more health care services than men. We used important independent variables, such as patient sociodemographics and health status, to investigate gender differences in the use and costs of these services. METHODS: New adult patients (N = 509) were randomly assigned to primary care physicians at a university medical center. Their use of health care services and associated charges were monitored for 1 year of care. Self-reported health status was measured using the Medical Outcomes Study Short Form-36 (SF-36). We controlled for health status, sociodemographic information, and primary care physician specialty in the statistical analyses. RESULTS: Women had significantly lower self-reported health status and lower mean education and income than men. Women had a significantly higher mean number of visits to their primary care clinic and diagnostic services than men. Mean charges for primary care, specialty care, emergency treatment, diagnostic services, and annual total charges were all significantly higher for women than men; however, there were no differences for mean hospitalizations or hospital charges. After controlling for health status, sociodemographics, and clinic assignment, women still had higher medical charges for all categories of charges except hospitalizations. CONCLUSIONS: Women have higher medical care service utilization and higher associated charges than men. Although the appropriateness of these differences was not determined, these findings have implications for health care."


"What type of Life Insurance is best for my husband and I? (We just purchased a home, we are both 23 years old)"
My husband and I are both 23 years old and we just purchased a home. We have been under pressure from our Insurance Agent and our Mortgage broker to obtain Life Insurance in case something happens to one of us. We would like to have coverage in case something happens. I know the importance of Life Insurance, as my mom was killed in a car accident when she was only 38. So, we want to be protected, and we want our house to be safe. We are pretty much clueless when it comes to Insurance policies. I ALREADY LOOKED UP THE INFO ON WIKIPEDIA, SO PLEASE DON'T GIVE ME MORE OF THAT. I want opinions on what the best kind of Life Insurance is for us. Term (but if it is a 30 year term, does that mean when we are for example 54 and something happens after the 30 years, we aren't covered???) or Permanant (whole life, and others). We didn't like the decreasing term policy our agent showed us. We have gotten 2 quotes for Term Life. Help us make an informed decision!!! Please!"


Someone tore all of the wiring out of my mobile home and I need to get it all re done. worndering about how much that would run me?
Someone tore all of the wiring out of my mobile home and I need to get it all re done. worndering about how much that would run me?


Geico car insurance !?
i have car insurance with Geico, on the policy was said Effective date : 12/20/2009 ... "" ( just bought insurance from Geico on 12/29/2009 ). i got accident today"


How much would a 1996 bmw 328i cost for liability insurance a month?
im 17 years old and ive been saving my money to try to get a better car fit for me. so i was wondering if insurance company would pound me monthly since my young age and since its a bmw.


Where is good for recovery truck insurance?
hi can anyone help me .been searching for recovery truck insurance .but not having much luck .anyone send me a link or tell me a site that i can try please many thanks


Insurance question! ?
Hi, would insurance be cheap on a Honda civic 1999 ?"


RED ROBIN INTERVIEW HELP!?
I had my first interview today and the manager told me she would give me a call back for the secondary interview and 30 minutes later she called back with the scheduled interview time for Sunday, did I get the job? Need help on what to expect! Thanks"


What does total excess mean with car insurance ?
hi on my car insurance it says 450 total excess what does that mean ? thanks


How much will I be paying in car insurance if I'm a 23 year-old person?
Im a 23 year-old college student and have just gotten a car. I have always gotten a ride with my friends. My father just added me into his policy and it looks like I will be paying $224.11 for 6 months liability coverage, is that normal? I will be driving a 2001 Mazda Millenia. Also, what are the cheapest insurances for young adults? Thank you!"


How long after an accident do I need to contact their insurance company?
so If someone hits me and scratches up my car, I get their insurance info, there is a police report, but 3 weeks go by and I still haven't contacted their insurance company what happens? can I contact the insurance months later?"


"Wife and I separated, why she want me sign an auto insurance exclusion form ?"
My wife and I are separated. she keep changing insurance. she brought her own car its in her name. We live in different towns.she trying to insured in only in her name, she told them she was married so she wants to qualifies for the discounted married rate. an exclusion form need signed and wants me to sign it. i have my car in my name only as single rate with perfect records. "


Dual Car Insurance trouble?
I had insurance through a company called Sunset Plaza Insurance, and only agreed to do a 6 month period (from 12/08 to 06/09). I moved during the time, and never received a renewal notice at my new address, even after I gave them my new address. However, I found out that for the past 6 months (06/09 - 12/09) they have been charging me for insurance. But I never signed a renewal consent or anything! I remember explicitly saying that I only wanted the insurance for a 6 month period too! What are my options? Please..any advice would help!"


Can i have both medi-cal and private insurance at the same time?
My father has me under his insurance plan and I also have medical in the state of California. My son's medical worker signed me up for medical when I became pregnant with my second child. Also, can I use medical as secondary insurance to pay the remaining balance of my hospital bill?"


"If i buy a car, how long have i got to insure it?"
If i buy a car, how long have i got to insure it?"


How much is one months car insurance on average?
Driving a slightly older car (87 Tbird), newer driver; no faults fines or tickets. Resident of BC."


Insurance that covers medical related death?
I am looking for a life insurance that covers a health related death.


Can you have your SR22 insurance with a different insurance from you auto insurance?
I have my SR22 insurance with one company andy my auto insurance with another company? Is this OK?


Got a question about changing my car color and insurance...?
So this past summer I was so close into painting my car into White! But my mom was hating on it, and she told me that if i had changed the color of my car we would had to contact the insurance people... Telling them that the car is getting a color Changed Them having to change some info on the car And the worst part... The insurances goes up? (btw... my car's color is black) So you guys out there... Please help answering my question! would my insurance go up if I change my car's color?"" I haven't paint the car yet.. maybe till' the spring time since its almost winter time!!! Thanks! """


Auto insurance question (Mitsubishi Lancer?
I can call Allstate and find this out. However, I don't feel like staying on the line forever. Is the Mitsubishi Lancer consider a sports car according to auto insurance poilcy or is it just your average everyday sedan?"


Motorcycle insurance?
I have a 2007 Ducati Monster s2r800. I am 22, male. Clean driving record. will be used for commuting to school. What is an approximation as for what my insurance will cost me (liability and theft)?"


Does my insurance go up after I get a ticket in someone else car? Or the owner of the car insurance goes up?
I got pulled over for speeding and the officer never asked for the insurance card. Since he didn't ask for the insurance card, does that mean my pay rate will be the same? Or can the insurance company find out by the tag number? Please inform me because this is my first time. Thanks! Also remember I was in someone else car."


Can an insurance heir gift an IRA to their spouse without taxes being implied immediately?
Can an insurance heir gift an IRA to their spouse without taxes being implied immediately?


What should I put as my occupation?
I am self employed and sell pet grooming products online through my website. What occupation should I say I am when gettin a car insurance quote from direct line or any other insurer for that matter? company director?


What does total excess mean with car insurance ?
hi on my car insurance it says 450 total excess what does that mean ? thanks