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When will I need to buy additional business insurance for my car?

I don't want to spend extra money on business insurance because I have an inactive self-employed business and I don't go to see clients often. What happens if I had a car accident on my way to see a friend? OR to see a cleint? Does it make a difference when I make a claim? What about % of my business use of car and personal use of car? Is it a major factor for the insurance company to define if it is business use or not. What about the nature of business? I am looking for some professional advices. Thank you!

   








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If I cash out my universal life insurance policy will I have to pay taxes on the money?
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Car insurance question?
I'm getting a Suzuki DR200SE and I want to know how much insurance would cost...?
https://abmicgoroksmiss.wordpress.com/2017/06/05/how-much-would-my-car-insurance-go-down-average/

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Understanding my options with life insurance policy.?
Ok, so my grandmother several years back opened a life ins. policy in my name. Well she passed away and so I just found out because my grandad told me what she did. Well from the best I can tell its a whole life plan/policy because the way I see it, she paid the original amount and locked in the policy and it's been building interest. So my questions are, what are my options? Came I pull out some, any, or all of the money she put in and the interest? If I do, do I get penalized like with taxes or by the insurance agency? I plan on talking to them sometime this week but I figured I'd ask here first."


Can parents obtain car insurance for car son paying off.aussie answers only pls?
son has brought car and comprehensive insurance required by bank. Insurance over $4,000 can we as parents buy insurance to cover car and nominate son as secondary driver.Australian answers only please"


Question about life insurance?
My boyfriends father died this past year and left my boyfriend and his brother 1 dollar in his will. We recently just got a letter from a laywer about his fathers life insurance did not have a benifical so it goes to his kids. Is this legit or are we getting our selfs into his father debts???? someone please help?


Shopping for health insurance?
my husband pays $200 every two weeks for health insurance for 4 of us from his employer. Id like to shop around for other options, but the health insurance market is so huge, i dont even know where to begin! any suggestions or advice?"


Your thoughts on health insurance...?
When you get car insurance, it doesn't cover oil changes, tune-ups, spark plug replacement, and other typical maintenance, just major costly items that are unreasonable to save up for or anticipate. When you get home owners insurance, it doesn't cover repainting, replacing a broken toilet, or replacing worn out carpet, just big cost items that occur when something goes drastically wrong. And people seem to be able to take care of all these things just fine without having insurance for it. So, why is everyone's health insurance involved in things like their normal doctor visits and such? Shouldn't people plan ahead to pay for these routine costs like they do for their cars and homes? Just my thoughts. What do you think?"


Why do red cars go hand in hand with a high auto insurance bill????
Red cars always get a high insurance rate. Not all red cars are sporty or fast so why is this?


Is the affordable health act actually making healthcare affordable for everyone?
Is the affordable health act actually making healthcare affordable for everyone?


Can you place insurance on a car that is not in your nam?
I drive a car that is in my aunt's name. She told me that I need to get my own insurance on the car, so that she can take it off of her policy. However I am not sure if I can place insurance on a car if my name is not on the title."


What is the cost of premium insurance for 2003 pontiac vibe driven by a female only insured driver.?
22 y/o housewife no tickets (clean record) lives in okmulgee been driving since she was 16


How much will this ticket bring up the car insurance?
My boyfriend is 17 and getting his license. About a year ago, (last summer) when he just had his temps, he was driving without a parent and speeding in the middle of the night. The speed limit was 65 and he was going 104... He got caught by the police and had to go to court but he got off easy and they didn't give many charges. They let him off really easily actually. He just got his license delayed for 3 months, so he had to wait 3 more months to get it. That was all that happened though. So now he's all worried about how high his insurance will be and how many points will be added on his license and stuff. Like how much higher will his insurance go up? He lives in Ohio. &He's not a bad kid or anything.. he was just messing around with a few friends one night and they just so happened to get caught..."


Car insurance broker or direct to insurance company?
I'm about to get a car, and i'm thinking about car insurance. The thing is, I don't know whether should i go to an insurance broker, or just shop around doing all these web quotes and find the cheapest out there and call them directly. Should i just do this or should i contact an insurance broker? What are the pros and cons of dealing w/ insurance broker? thanks"


Low Car insurance/Car alarm?
Im a student 21 years old Male and i know car insurance is going to be high. Can ne1 recommend a company that will give me a low rate and im interested in getting a car alarm.


My car was stolen last night and I don't have insurance but I have Gap insurance through my auto company. What will happen to me?
My car was stolen last night and I don't have insurance but I have Gap insurance through my auto company. What will happen to me?


Just bought a car from private seller can I drive it home without the plate or insurance? I live in Michigan?
Just bought a car from private seller can I drive it home without the plate or insurance? I live in Michigan?


How much does car insurance cost for a new driver?
Im 18. i live in California. i own a 2003 nissan altima. Ive had my license for over a year. The car is ONLY under my name and i will be the only one driving it. Ive gotten quotes but they have been as high as $1000 for 6 mths of full coverage. Any advice on something cheaper or how to save money.


When will I need to buy additional business insurance for my car?
I don't want to spend extra money on business insurance because I have an inactive self-employed business and I don't go to see clients often. What happens if I had a car accident on my way to see a friend? OR to see a cleint? Does it make a difference when I make a claim? What about % of my business use of car and personal use of car? Is it a major factor for the insurance company to define if it is business use or not. What about the nature of business? I am looking for some professional advices. Thank you!


Can I go on my fathers insurance?
hi, I am 24 and I have just passed my driving test. I was wondering if I bought a car, would i be able to insure it on my fathers car insurance. I don't want to use his car though, I want a car of my own. How would i do it? and will it be cheaper?"


Accidental Death & life insurance policy ?
I work for a non-profit organization and HR just recently enrolled me in a Accidental death & life insurance policy after almost two years of working there. HR stated that they simply forgot to give me the forms. All my co-workers have it. HR stated that the Accidental death will give my beneficiary 10,000 upon my death on the job, the membership is automatic and the 10,000 is supposed to be given to my beneficiary automatically. Is there a reason that my company waited so long in giving me this??? What are your thougts? "


"Insurance says case is closed, is it really?"
A little over a year ago, I was in a car wreck and due to financial responsibility laws I had to pay for the accident. (I had no insurance, of course, I've learned this lesson) Recently they've filed suit against me for more money that they didn't receive from the insurance company. I can't afford an attorney and was about to hire a bankruptcy lawyer for all of this, but I recently found out from the insurance company that the case is closed. It's also been over a year as of a couple days ago and due to Tennessee's Statute of Limitations they can't claim any more money. So my question, the insurance company says it's closed and even said the attorney settling with them has closed the case. I call the opposing attorney myself and of course they say they can't discuss the case with me, even though I'm just asking if the case still actually exists. They wont' give me a court date either so naturally, I'm a bit suspicious. Should I be ready to put this behind me, or do law offices do this sort of thing all the time? They were recently paid out $10,000 from the insurance company I'm making payments to. I really don't see where else they could find money given my situation. All answers are appreciated, thank you!"


Car Insurance coverage question...?
Here is my question, CA policy I have three cars under my policy, I have now passed on one of them to my younger sister who is 21 and lives 50 miles away. However, she is NOT under my insurance policy and I am worried that my insurance won't cover her if something were to happen. I was told by a friend of mine who is an insurance agent that ANY insurance company in CA has to cover her if she has a valid license and does NOT live in the same household as the policyholder (coverage would be extended to her also as long as I verify she was authorized to drive the car). Is this true?"


Insurance on a supersport motorcycles is that much higher?
So I'm planning on getting a 600cc supersport soon, and I was looking at insurance rates. The choice"" package at progressive was $350 for my current 2006 ninja 250. (19m"


Whats the best car insurance for teen boys (specific details)?
I am an 18 year old male, african american (if that matters), and i live in a 5 person home. My parents both have cars, my mom a 2000 cadillac deville, and my dad a dodge caravan van. i have straight a's in school and i heard some insurers reward that, so i was wondering what would be the best car insurance for a teen in my position? Thank you for your help :)"


Do I have to get Home Owner's insurance?
I don't really know anything about buying homes, but I'm considering buying my first house. I've heard that you have to have home owner's insurance. Do you really have to get it or is it just an option?"


My insurance is going WAY up ?
My BCBS of AL policy was $174 per month for a $3250 Deductible. Now, its $303.40 starting in Jan for a $6350 Deductible. Oh, but I get up to 3 $35 vists per year. This is not affordable. In fact, Im considering going without again after having it for 2013 for the first time in 25 years. I expected an increase of maybe 20-25%. Not 75% and such a jacked up deductible. Im still not sure how the subsidies will work for someone like me who cannot accurately estimate their income for 2014. Honestly, it could be anywhere from $15k to $65k. I made $27k in 2011 & 2012 and will probably make $50-55k for 2013. Am I allowed to estimate my income and then the government kicks in every month for part of it and then when I do my taxes it all gets settled and I either owe them more or they owe me ? If I can keep my income below $30k, I might come out ahead with the new plan but Im not sure Im going to be able to do that. Much depends on the stock market. Heck, if I end up earning $18k, I might get my bronze plan for free. 50 year old male. Will be 51 next year. I found a cheaper plan with Humana for $250 per month but Id have to change Drs. Still have not been able to get thru to the marketplace"" website. But I was under the impression that Humana & BCBS were all thats available in AL. Another interesting thing"


Jobs at Liberty Mutual?
Do you work for Liberty in PA? My credit is really bad. So I guess the job is out then.


What is a good company to get term life insurance. How much should we expect to pay?
What is a good company to get term life insurance. How much should we expect to pay?


Do I really need to take a Life Insurance Policy?
I have been asked to take a life insurance policy to ensure the well being of my dependants. I have a feeling that I do not really need it because I have enough to go round for them. I need to know if taking a life insurance policy is important.


How Much Does Life Insurance Cost ?
how much life insurance i need, for how many years, and what can i afford to pay?"


Why should someone like me get health insurance?
I'm 19 , and don't have health insurance . I don't have a job right now , but I'm living with my buddy . I plan on getting a job with in the next year or two so i might be able to find one with benefits . But the point is I'm a perfectly healthily person . Sure i get a cold once a month but who doesn't . And sure i eat fast food twice a day and drink atleast one soda a day but this is pretty normal for people my age . And sure i have a mild case of asthma and allergies but this is very common . And sure i haven't been to the doctors since i was 15 . And sure i am 6'2 250 pounds . But these are all normal things that everyone goes through and ill be fine . I would like to know what you guys think though thats why I'm asking this question ."


What auto insurance coverage is mandatory in the state of Florida?
I know (PIP)- Personal Injury Protection and (PDL) property damage liability is required and I thin uninsured motorist coverage is required but I'm not sure about bodily injury liabilty


"I need family medical/dental insurance, where do people get this if they are self employed?
We currently have very good insurance through my husband's work. He is in the process of starting his own business and will be leaving his current job soon. I am very concerned about finding affordable insurance they provides good coverage for my family. Any suggestion would be greatly appreciated.


When will I need to buy additional business insurance for my car?
I don't want to spend extra money on business insurance because I have an inactive self-employed business and I don't go to see clients often. What happens if I had a car accident on my way to see a friend? OR to see a cleint? Does it make a difference when I make a claim? What about % of my business use of car and personal use of car? Is it a major factor for the insurance company to define if it is business use or not. What about the nature of business? I am looking for some professional advices. Thank you!


How does insurance cost for a beginning motorcyclist?..?
How does insurance cost for a beginning motorcyclist?


Oregon car insurance?
Can I give my daughter my car registered in my name and she get car insurance for it?


I lost my insurance card. how do i get another one?
I lost my insurance card. how do i get another one?


If a health insurance company can't deny my pre-existing condition...?
Why should I buy insurance at all?


How can my old insurance company send me a reimbursment check after I canceled my policy then turn me in to collections?
Before you ask , yes I AM trying to reach someone at AM FAM insurance but what do you think of this situation? I purhcased a 6 month policy in January 2014 and paied in full. When my bill came due in July, BEFORE it was due I shopped around, found a cheaper rate and so I cancled my old policy. Since I cancled it 2 weeks before it was due, they sent me a reimbursemnt of like $25. Now it's 3 months later and out of the blue I get a letter from COLLECTIONS on their behalf saying I owed them $90? Ok why send ME money if I owed them? And HOW could I owe them for something I CANCELLED before a payment was even due!/"


"Can I fight this no proof of insurance"" ticket in the state of california?"""
I purchased my vehicle on 3/13/09 with insurance. I was stopped on 4/7/09 for no license plates and failure to prove financial responsibility"" i.e. no proof of insurance. Prior to that"


My employer only pays for some of my health insurance. Am I allowed to deduct the remaining that I pay on my taxes?
My employer only pays for some of my health insurance. Am I allowed to deduct the remaining that I pay on my taxes?


Does anyone know the approximate cost of insurance for an 06 Golf GTI for a 16 year old driver in illinois?
Does anyone know the approximate cost of insurance for an 06 Golf GTI for a 16 year old driver in illinois?


If I show proof of insurance?
I was driving my car on the clock. I use my vehicle as a work vehicle. Anyways I was sent to the store to purchase sodas. when I tapped a vehicle on the rear bumper. We pulled over and exchanged information. And later found out that my own insurance was expired. Am I covered. By work or can I purchase insurance after the fact. And still be okay?


Insurance........................
I want to get self insurance. wich insurance is cheap and good?


"People w/o health insurance how do you pay for medical care, or do you?"
I looked into insurance available to me in Georgia and here what the least affordable costs me: $350/month, 20% specialist cost after a $3500/yr deductible, 3 doctor visits per year at $45 each, $20 for each prescription, no dental/vision coverage and other charges that add up to over $7500/yr. And all of this BEFORE the latest 14% price hike. I've decided to save up the same $7500/yr for medical expenses and chuck the insurance companies. I figure some years I won't use all the money and it could go towards the years when I need it. What's your solution?"


Is it possible to obtain a learner's permit without having my parents' insurance rates go up?
I am a 16 year old in NY and my parents do not want me to obtain a learner's permit because they are afraid that their insurance rates will go up and they cannot afford it now. Now, a friend told me that I could go to the NY DMV without my parents and get a learner's permit. Is this possible? I would like a learner's permit not only for the ability to drive, but also as a solid form of photo ID (like, instead of a passport). What should I do about this? PS. My parents won't be convinced."


How can I get US health insurance for my (non US residents) parents (in late 50's)?
This is both an Immigration"" question and a ""Health Insurance"" question. My parents will start living in the US several months a year or more as legal visitors to live with us until they get green cards and can move here permanently. They are close 56"


Life Insurance Policy Law?
Hi, My father has had a life insurance policy for about 15 years. His insurer deducted the premium automatically from his bank account. However, my father just found out that earlier this year, he had a low balance on his bank account so his insurer couldn't deduct the premium. Rather than informing him about it, the insurer quietly canceled the policy because they know he's a high risk client now. If he wants to get it back the premium will be a lot higher now. Does he have any legal recourse? The insurer made no attempt whatsoever to bring this issue up. I'm sure if he was in his first year with the policy, they would have said something."


Stick with USAA auto insurance? Or shop around?
I always thought they were not just the best, but also the cheapest (if you qualify to insure with them). But I'd like confirmation of this, or other opinions... should I shop around for my auto insurance? Switching to another insurer seems almost unthinkable - I've only ever been with USAA..."


When will I need to buy additional business insurance for my car?
I don't want to spend extra money on business insurance because I have an inactive self-employed business and I don't go to see clients often. What happens if I had a car accident on my way to see a friend? OR to see a cleint? Does it make a difference when I make a claim? What about % of my business use of car and personal use of car? Is it a major factor for the insurance company to define if it is business use or not. What about the nature of business? I am looking for some professional advices. Thank you!