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Home Insurance advised me not to submit a SMALL claim because if a bigger claim is submitted in the future it will be denied. True?

My side fence fell down from old age. My neighbor and I hired a fence company to install a new fence which cost $2000. We split the cost, so my share is $1000. I submitted this to my insurance company, where my deductible is $500 and the insurance company will re-imburse me the remaining $500. But I all got was my agent advising me not to submit this claim because if there is another bigger claim in the next 5 years, that claim will be denied... Even though I will be paying my yearly premium, submitting a claim can hurt me if I submit another claim within a short time period. WTH am I paying insurance for then?? I have been a customer for over 15 years and my agent advised me of this BS?? Is this what it comes down too? You pay into the system and you can't use it? Are all Insurance companies advising home owners not to submit small claims because future bigger claims will be denied? Should I submit the claim and take my chances in the next 5 years, or just pay the fence in full in case something happens in the next 5 years?

   








Central Limit Theorem =D?
16 Year Old Insurance Cost?
Short vs. long term individual health insurance?
Is this a good insurance cost for a teenager for a GTO?
Can you go to the emergency room alone at 16?
Pool Collapse and Insurance?
Are group term life insurance proceeds taxable to the employer if the policy is on a CEO?
Can car insurance companies pull your insurance without notifying you?
Do I need title insurance before i buy?
16 year old male car insurance question?
What is the average cost of homeowners insurance in Miramar Fl?
Insurance price on r32gtr?
Home insurance automatically renewed can I get my money back?
Car insurance please someone help me!?
I am 17 years old, got my driving license 8 month ago, but i don't have insurance on my car! What would happen?
Whats the best car insurance for young drivers?
Fast Car Low Insurance Group?
How can i get free health insurance?
What is a fast car that is in a relativley low insurance group?
What pet insurance and medication do you use for your dog?
What's a good car for a teenager to buy?
What if you files for cover ca. application during open enrollment. but didn't get insurance till Dec. 2014 do you still get tax penalties?
Can you have insurance on a car that isn't yours?
Can i insure a french registered van in the uk?
What is the best whole life insurance company out there?
How much would car insurance for a 16 girl cost?
How much would the car insurance for a Dodge Challenger 392 STR8 be?
Republicants, you do know that the larger the insurance pool the lower the cost?
Car insurance?
How much should a person pay for car insurance in uk?
What are average restaurant expenses per month?
Car Insurance Quote - Looking for afford auto insurance?
Ideas on first car?
Ideas on first car?
Where is there a cheap car insurance place here in Dallas 75248.?
What is the best medical insurance in New York City?
Does a speeding ticket raise your car insurance?
I want to insure my Irish car in the uk?
Is my car worth it?
What is auto insurance?
Is it possible to put down payment on a car & pay the rest monthly a Private Seller? There's no way I can go to the dealership be of credit.?
What is the best health insurance company in Canada?
Does Mexico have quality medical care insurance at affordable rates?
Around how much is Driving Insurance for a 17 year old?
What is mortgage life insurance?..?
Buy a house or save for retirement?
Rear ended by unlincensed driver, insurance refuses to pay?
What's the grace period on Nationwide car insurance?
Can you recommend a great Health Insurance Plan for a small business owner?
Cheap insurance for teens?
https://forbaukumbfisto.wordpress.com/2017/05/01/how-much-do-you-think-it-would-cost-for-a-20yr-old-to-insure-a-toyota-yaris/

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"Health insurance, to see chiropractor help!?"
im trying to find health insurance because i dont qualify for medicare. im currently unemployed and looking for work, and couldnt go to fiu this semester. im 26 years old woman. i hurt my back lifting boxes a few months ago. the pain is horrible some days that i have to stay in bed all day. i need to see a doctor but i dont have money and i am living with my disabled mother. http://consumerdirect.bcbsfl.com my zipcode is 33010 what is the cheapest insurance here that would let me see a chiro and get xrays done? the less i would have to pay the better since my financial situation right now is bad."


I'm 17 and taking lessons shortly but don't know how to get cheap car insurance?
I'm 17 and taking lessons shortly but don't know how to get cheap car insurance?


"Which has high auto insurance rates, santa barbara or vacaville CA?
10 points


Will a non-car insurance policy make a car insurance policy cheaper down the road?
We seem to have some conflicting answers but thanks again to everyone who answered.


How much does life insurance generally cost?
im looking for a life insurance policy, somewhere in the neighborhood of 5,000,000, that ISN'T a term policy. in other words, when i die, however far away that is, my beneficiary gets 5 million. how much would that cost me?"


Is term life insurance better than whole life insurance ?
Someone on the radio said he didn't recommend whole life . Why is that ? I am 44 years old and am looking for around $50,000 coverage . What companies would be good for me ? Thanks for your help ."


"The cost to rebuild my home is 257,000. How much is my insurance premium annually?"
The insurance company came up with the 257,000 figure. Credit score is 815, I do not live close to a fire hydrant."


How much higher would car instance be if I hit a housei?
I lost control of my car as I was pulling into my girl friends house. I want to know if it would be worth it to call the insurance company our just take out a loan for the repairs


How should I write this appeal to waive my school's health insurance?
I was supposed to waive the school's insurance before August, but I'm a terrible procrastinator and forgot to do so. What would they be looking for in this detailed explanation""?"""


Automobile insurance coverage?
All I asked for was the answer that's it! If I wanted you guys to comment about something else, like me needing help because you guys think I'm cheating or if I took a comment/answer a wrong way, I would have asked."


Got into a car accident drivers license expired by four days?
I got a warning the cop felt bad for me I think


Cheap car insurance?
hello. i am 18 years old, i have been driving for 8 months now, since june 07. i own a daewoo matiz 800cc 2001 se+ i really cant afford the insurance im paying now. i am paying 125.04 a month and this is really out of my bracket. is there actully a good insurers out there with cheap quotes?? im with ensleigh at the moment"


RENTER'S INSURANCE??
I will be moving into a 700 sq. ft. studio apartment soon. I have maybe $3,000 worth of stuff in it counting the fridge and oven. There are no stairs for anyone to fall down, the neighborhood is good so I'm not very worried about break-ins (there's nothing to steal anyway), and I don't have people over very often. Do I really need renter's insurance, and, if so, how much does it cost????"


What can I do about my car insurance?
My husband and I are seperated (Domestic Violence) but we are insured on the same policy. He is the policy holder and I am the name driver. He is beset to ruin me and may cancel my insurance without me knowing, just to get me into trouble with the law. Another thing he might do is get someone else to play to be me and again, get me into trouble. When I called my insurance to take my name off the policy they said that I need my husbands permission (something I can't get) for them to give me ANY sort of information. How will I know if I still have my insurance or if somethings gone wrong? I need to buy a new car and want to be independent but what can I do about this?"


How does one go about getting insurance?
ok I know there is some different insurance types out there like health car etc etc but i want to know how do you go about getting it! see I'm 15 years old I know i shouldn't worry about this now but it just seems like a good idea to ask the question now this one lil question has plenty of other questions with it how many different insurances do you need to have? what should you look for in Insurance? how much is insurance? what is an insurance rate? and the title of this question how does one go about getting it? on that last one I really need a detailed answer because I am 15 I just got back in school so my brain is a bit mushy and not so quick XD and way like I said I'd really like a detailed answer on that last one heck if ya role play it out with your self for me then that would even make it easier so the more questions you answer in this (with a good answer mind you) the more likely I am to choose you as the best answer!


Home Insurance advised me not to submit a SMALL claim because if a bigger claim is submitted in the future it will be denied. True?
My side fence fell down from old age. My neighbor and I hired a fence company to install a new fence which cost $2000. We split the cost, so my share is $1000. I submitted this to my insurance company, where my deductible is $500 and the insurance company will re-imburse me the remaining $500. But I all got was my agent advising me not to submit this claim because if there is another bigger claim in the next 5 years, that claim will be denied... Even though I will be paying my yearly premium, submitting a claim can hurt me if I submit another claim within a short time period. WTH am I paying insurance for then?? I have been a customer for over 15 years and my agent advised me of this BS?? Is this what it comes down too? You pay into the system and you can't use it? Are all Insurance companies advising home owners not to submit small claims because future bigger claims will be denied? Should I submit the claim and take my chances in the next 5 years, or just pay the fence in full in case something happens in the next 5 years?


Can I control how much commission my insurance broker is getting?
Our insurance broker was required to disclose to us a list of commission rates they are getting from our insurance policy issuers (insurance companies). Some of these rates are very high. So I did some quick research, and it seems that the commission rates are something that the insurance companies determine, and get to add onto the premium we are paying. Then, the insurance company pays the commissions to the insurance brokers Am I right? Since it is part of our insurance costs, I am wondering if there is any room for us, the insured, to negotiate the commission rate with the broker at all?"


Question about Ontario Car Insurance and transferring vehicles.?
My Fiance and I both have our own vehicle. I have a civic and she has a beaten up corolla. We have decided to purchase a new toyota for her. Now here is the catch - She doesn t have the best credit score. So we decided its best for me to buy the car and have it in my name. We are wondering what is the best, cheapest way to organize the insurance for both of us? Should we put my civic under her insurance and the new toyota under my insurance? Any advice would be great. I will probably have to clarify this question when someone tries to answer, so feel free to ask me more questions about the situation."


Are You Paying Too Much For Health Insurance?
Hi guys, Are you paying too much for health insurance with lack-luster results? If so, please explain!"


Why is insurance on an s2000 so expensive?
I have been looking for used cars in the 10-15 grand range as my second car, currently drive a miata, and I am stuck on a few cars: -01-02 s2000 -01 m5 -01-03 s4 I just recently turned 18, and took my driving test, and passed. I'm a male, about to graduate highschool with above a 3.0 and am already enrolled for a Junior College starting in Fall. I haven't received a violation yet, and I don't think I will any time soon. I was just wondering why insurance on an s2000 is MORE expensive than an m5 or s4. I was really sold on the s2000 because its 4 cylinders naturally aspirated (cheap on gas), a convertible, and relatively pretty. All of this was great news, until I saw how much insurance would be for this car. Lets look at the facts for these cars s2000: 2 door convertible 237hp/153lbft RWD 2 Liter N/A 4 cylinder top speed: 155 0-60: 5.5 - 6 seconds m5: 4 door Hardtop 394hp - I don't know the torque RWD 4.9 liter Naturally Aspirated v8 top speed: ~180 mph / 155 mph with limiter 0-60: 4.7-5 seconds s4: 4 door Hardtop 261HP/I do not know the torque AWD 2.7 Liter Twin Turbo v6 top speed: do not know/ limited to 155mph 0-60: 5.5 seconds I know that the small size of the car may make the s2000 unsafe, but the m5 is much more of a car than the s2000, and in my opinion much, MUCH more unsafe than the s2000. The s2000 is a sports car, but what is the m5 then, a 4 door family car? It is much more than that. High performance sports car in my opinion would be much more apropriate. If you are knowledgeable in the area of car insurance, i.e. you are a insurance agent or work for an insurance company, could you please let me know why an 18 year old has a easier time insuring an m5 or s4 than an s2000 under the exact same plan? Thanks for reading, and if you answer, thank you for answering. Have a nice day!"


Insurance on a 1.4 car for a 17 year old.?
I recently purchased a saxo furio and was wondering what the insurance would be like for a 17 year old with 0 NCB ect. I haven't passed my test yet and I'm 16 at the moment so cant get insurance quotes. Any ideas?


Car insurance problem!!?
I have had my insurance policy and have been paying monthly installments since the end of June (have not missed nor have been late on any payments) BUT they have still not sent me an insurance cover note, I have called and called and they have promised to send it but to no avail. I havent been able to tax my car (ran out end of sept) so has been sat on my drive for nearly a month now unable to be used..... what can I do - where do i stand with the ins company?!?! Am I liable for any compensation from them due to their sheer lack of service?! Thanks x"


Car insurance (uk)?
If i buy car insurance as a learner driver then pass in less than a year do i need to change my insurance to full driving license or wait untill it needs renewing and then change it?


How much would insurance go up for a newer used car?
Age - 52 No accidents ever No tickets


This is regarding a health insurance issue.?
Last year I when I signed up for medicare back-up insurance I didn't realize that it was one my doctor's office didn't take. Since his office was part of a network owned and operated by the hospital I thought they took them all. I was wrong. I started scrambling to find a doctor that took it (near impossible). During the sign-up period I switched to an insurance I was sure they took since it is a plan by a internationally recognized company. Then I found out he broke away from the clinic he was in and opened his own with a couple of partners. I called to make an appointment and found out the new coverage I had just gotten he did NOT accept as well as one other one. He does accept the one I just left. Grrr! I called that company back but they said that I couldn't resubscribe until the next next sign-up time. Now all I have is Medicare and a drug coverage policy from the company I want back into. Is there a way around having to wait or am I screwed until mid-October?


Penalty for driving without car insurance?
What would happen if i were to get caught driving without insurance in california? I'm 17 years old. and a month. Just got my license a few days ago. My car is registered. And i of course have a clean driving record and half never been pulled over. The tags don't expire until august 2009


If I own a business will I be forced to pay health insurance on my employees?
If I own a business will I be forced to pay health insurance on my employees?


What do you know about home insurance involving a fire?
My friend had a fire in her home, during the final days of the sale. The insurance company is trying to prove fraud on her part, which there is none, and she has not paid out since Sept. 28, 2008. She is going for a polygraph test later next month, in the mean time she has no where to live, they have given her $2500 living allowance and refuse to give her more at this time. Any suggestions on what she can or should do?"


Car Insurance companies?
I have car insurance on my 2010 ford focus. When i signed up with them they never asked me about my title. it does have a salvage title but they never asked me if it had one or not. I have been insured with them for approximately almost 2 years with A+ plus driving history. I had some small damage that has been done to my car by a citizen of whom I have no idea but that scratch the sides of my vehicle with I guess the key or some type of odd objects. I put a claim in to have my car to be looked at and to have them to pay me the value of what my vehicle was worth. I've been paying full coverage since the day I started with them. when I put the claim in is when they discovered that it had a salvage title. Theey did send me a check for the amount of damages. this is an out of state check so its not able to be cash immediately. I have two questions I would like to ask. 1. are they able to put a stop on this check. 2. the retention department has been calling me what is the retention


Parents: 300cc motorcycle vs. 600cc motorcycle?
If you had a 17 year old son and he wanted a motorcycle would it make a difference to you if he started out on a low displacement motorcycle instead of a high displacement motorcycle or would you say no/yes either way.


What are the different types of life insurance? What are the pros and cons of both?
Which life insurance companies do you recommend? How young is too young for your child? He's 1... I'd like to leave my family with the security and without the stress of money"" when I die"


Home Insurance advised me not to submit a SMALL claim because if a bigger claim is submitted in the future it will be denied. True?
My side fence fell down from old age. My neighbor and I hired a fence company to install a new fence which cost $2000. We split the cost, so my share is $1000. I submitted this to my insurance company, where my deductible is $500 and the insurance company will re-imburse me the remaining $500. But I all got was my agent advising me not to submit this claim because if there is another bigger claim in the next 5 years, that claim will be denied... Even though I will be paying my yearly premium, submitting a claim can hurt me if I submit another claim within a short time period. WTH am I paying insurance for then?? I have been a customer for over 15 years and my agent advised me of this BS?? Is this what it comes down too? You pay into the system and you can't use it? Are all Insurance companies advising home owners not to submit small claims because future bigger claims will be denied? Should I submit the claim and take my chances in the next 5 years, or just pay the fence in full in case something happens in the next 5 years?


What does a business owner do?
l am doing a project and l want to know what a business owner does. So far all I got is they get to hire and fire workers/people :(. I mean like a gas station BP business owner


Which is the Best insurance in child plan?
Which is the Best insurance in child plan?


How to get cheapest car insurance by where you live?
How to get cheapest car insurance by where you live?


Is there any cheap insurance out there for students?
Hi, My name is Courtney and I'm looking to buy a car soon but I don't have car insurance. My parents wont put me on theirs so I need something really cheap because I'm a student and I don't have much money. Is there some place that offers coverage for low low prices?"


Is a 1990 Miata MX-5 a good car for a first time driver?
I'm shopping around for different cars and i fell in love with this adorable Miata. Its bright red and it the perfect size and I think my parents would be happy with it since they want me to get a 2 seater. But would you say this is a good car for a first time driver. Also, its priced at 3500 is that expensive for a first car?"


Whats the cheapest auto insurance for an 18 year old male?
Got a job and kind of looking towards to putting my truck under my name but i was just wondering what the cheapest insurance would be.


If you are married but separated do I have to carry health insurance on my spouse?
If you are married but separated do I have to carry health insurance on my spouse?


How does insurance work for an accident?
I was hit from behind by an f250 and it completley destroyed my car, im getting cited for the accident for a slow speed of travel in a traffic lane. Will my insurance company still try to get my stuff back from the other insurance company? I talked to my claims person for insurance and told him the damages to property and medical damages."


How much does drivers insurance cost for a 16 year old?
I'm gonna take drivers ed, get good grades, and get a car. What is the insurance gonna be for me? I'm hoping I get a B GPA, so would this help me?"


Good mobile insurance companies?
I'm getting an iPhone 4S and I want to feel as though I've got back up if something went wrong (I'm very clumsy too at times) and I've been through lists of insurance companies and they're either too expensive or have bad reviews about 'receiving refurbished phones' Can some one tell me a good company they know of under 7 per month and/or even better someone whose had a claim and they were a good company?! Really stressing out!


What is the best dog insurance?
I am looking for health for my miniature pinscher puppy of 8 weeks... I was wondering what is the best insurance that covers Accident, Illness, medication, (plus Routine Care if possible) for a decent monthly rate? It would be great if the premium does not increase as the dog ages. I am currently looking at Trupanion and Petfirst, but not really sure... Would anyone recommend some insurances that would and did not work for them? How much is the routine check up anyways?"


Do I have any options to get a replacement home? Insurance company called it normal wear and tear.?
Water damage from a slow leak inside a bathroom wall of our single wide mobile home. It is 16 years old and at least two owners. We have it mortgaged on 5 acres and owe 70,000 on it still. My insurance company came out and did an inspection and deemed it water and mold damage from normal wear and tear. What can we do? Can we replace the mobile with a new one?"


Someone hits me and I have no car insurance?
I live in Texas and was wondering what would happen if someone was to hit me with it being their fault and I didn't have insurance?


How much will it cost to add a 17 year old female to my insurance plan as a driver with the car in my name?
I'm supposed to be added on my 38 year old sister's insurance with Nationwide tuesday. I have to pay for my part, I hope its not over 150 but definitely not 200."


"I wrecked my car it wasn't my fault. I want the car totaled, but the insurance company is using retail value?"
of the car. Is there anyway I can get them to use a private party value or something else? I had a 2001 honda civic LX, 1 owner, auto, 117,000 miles on it. The insurance company is saying it's worth $6750 and I know damn well no one would pay that much for the car. I want to get a different car, and don't really want to put the effort into selling it, now seems like a really good time to get one. But I know Nada's value is Base Price $3,200 $4,025 $4,700 $6,775, and KBB's is lower than that. I thought insurance companys liked to **** people over, why are they wanting to value my car so high and fix it? The car has $3000 dollars worth of damage. lol"


Home Insurance advised me not to submit a SMALL claim because if a bigger claim is submitted in the future it will be denied. True?
My side fence fell down from old age. My neighbor and I hired a fence company to install a new fence which cost $2000. We split the cost, so my share is $1000. I submitted this to my insurance company, where my deductible is $500 and the insurance company will re-imburse me the remaining $500. But I all got was my agent advising me not to submit this claim because if there is another bigger claim in the next 5 years, that claim will be denied... Even though I will be paying my yearly premium, submitting a claim can hurt me if I submit another claim within a short time period. WTH am I paying insurance for then?? I have been a customer for over 15 years and my agent advised me of this BS?? Is this what it comes down too? You pay into the system and you can't use it? Are all Insurance companies advising home owners not to submit small claims because future bigger claims will be denied? Should I submit the claim and take my chances in the next 5 years, or just pay the fence in full in case something happens in the next 5 years?