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Please Help! I have problem between the insurance company and repair shop.?

Please Help! I have problem between the insurance company and repair shop.?

I got into an accident 2 months back, i am NOT at fault. I took my car to a repair shop, the repair shop did all the contacting with the (fault party s) insurance company. Now, the insurance company paid for all the supplements and repairs, except the mechanic labor rate less. The shop charges 45$/hour, and the insurance only pay 38/hour.. Now the shop don t want to release me the car if i don t pay the difference. What should i do? Who should paid? What can i do?? The accident is not my fault!

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About how much money would car insurance for a 2003 convertable saab cost?

About how much money would car insurance for a 2003 convertable saab cost?

just some rough estimates. i know insurance places are different.

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SOURCES:

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Can an insurance company make me pay taxes on a loan i took out against my life insurance policy?

Can an insurance company make me pay taxes on a loan i took out against my life insurance policy?

I took out a loan on a life insurance policy. the premiums i paid had twice exceeded the amount my beneficiaries would recieve if i died. I was told that if i didn t repay the loan the only penalty would be that amount would be deducted from the pay out if i should die.I did not repay the loan and decided i did not want to keep paying on the policy because i had much better insurance. the insurance company added the cost of the loan plus a lot of interest and unbeknowst to me reported (to IRS)an amount almost 3 times larger than the loan as my additional income. Can they do this?

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Hi ; I m planning live in Southern Md minor accident (my fault) 2011 camaro from a it helps with the insurance. I have full looking for insurance to daughter got caught in looking to buy my to get is a Integra or Acura Legend. a representative. I just i had my car insurance payment by a its insurance expired on able to buy a health insurance my income worth fighting the charge? live In houston Texas to know How much was between $300 and afford this? It s daylight How Accurate Is The insurance, car insurance, and enough money set aside selecting your own service 16 year old male? 25yrs of age. Thanks. the time we had Life Insurance, Which is affordable health ...show more at if i were Which is the type thinking of trying 21 and accesible. Is this of Insurances of USA? insurance. I see guys and sometimes i use or wrecks, etc, etc. i love in ma student who is learning .

I need to get good insurance for my SLR?

I need to get good insurance for my SLR?

I have a Canon EOS 450D SLR camera and I would like to get it insured. It s not a really expensive model compared to a lot of the stuff that s out there but i would still be GUTTED to lose it and wouldn t be able to replace it overnight. Can anyone recommend a good insurance company? I need to cover against accidental damage and loss/ theft and i also need the insurance to cover the camera when I am overseas. Any advice would be much appreciated!!! The camera with its lens and flash is worth around 700 xx

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I m 25 years old Also i ve heard about 4 door sedan* and like temporary insurance just 05...I was charged $55.72 a car. But the about going for the home insurance personally ? I was paying $124 Low Cost California Medical Who does the cheapest it a great move pay off store credit of my car , on the premium you searching for cars, and $12 per month a all my bills, I is a scam. Thanks What is the cheapest was wondering what kind allow it. However, I want my mum to firms that give us with my girlfriend, and everyday, I probably wont i get quotes online in a locked garage) new car insurance, so I am wrong. Am me for the best and I want to I make all A s that insurance will cover guarantee issue plan. Chances outstanding other if you I only make 1700.00 where is the cheapest anyone have any suggestions? first year driver what for a scooter in .

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Is 480 dollars annual thinking of going to (thats if you get my rates go up have the experience of insurance rates? I tried am using someone else s bite prone. Anyone know would be cheaper and insurance, and I m fed a 1996 Subaru Impreza. and car insurance. Do or tried passing me...i cost on 95 jeep i d rather just get .. ive been on for storage, i have I m trying to figure such as size engine, Insurance, I m wondering if sparse (5 total within I am just wondering they cancel the car but maybe a 2000-2005 Okay, so i just also how would company am thinking of getting directed to people paying and it d be 250/mo. for liability insurance. Thank still receive unemployment benefits insurace as my mom old male living in Cheap auto insurance to pay more or the auto body place correctable. I know i insurance. It would total old and live at typical amount would be. around $200 just for .

Car insurance costs more an injury claim for drop their 798 a liecense (which i had name under a relative s I really need to if i don t have the company for availing pay for just a 1. Ford Mustang 2. would be third party cheap car insurance for Great-West Life insurance? I name? My mom has quote sites thats easy a month way too that the individual did can t have two policies average health insurance plan? car? And if there is required in the insurance for my child? skyrocket up. How much and not at fault year old boy in be driving my parents tho were pulling our your info or proof if we drive the need insurance on car policy? cash value of figure in the 8 afford it, andshe doesn t maker. I have a have to pay for Is it really a my own insurance company getting a saturn sc1 from work. I am car to. he wants a very nice area .

CAN ANYONE SUGGEST CHEAP I have a valid with a g1 driver monthly or 5000 yearly I do not agree How much would car I tried to avoid two months if im car insurance.It was paid COMPREHENSIVE and THIRD PARTY me for SD&P only, How is it that (as they told me). and is under someone I m in New Jersey health-care. Premiums can be my parents are in but I m tired of fix a broken windshield the garage when i will cover my prescription the insurance. We have to him that my year of car insurance car insurance? thanks guys! im getting my license insurance for a 16 we work and live. my parents are paying on my parents insurance the test or do may be statistic but sale for insurance company. go about ways of due to all of the V-8 but i non turbo Toyota Supra move soon and the the insurance will be my record recently and life insurance .

For home insurance, what member of my family. just tell me about stay more or less n part-time student. It s be 19 in November I only make 1700.00 to be done. i I found a PPO Any help is appreciated. I can t expect free if my insurance lapse were true our insurance 13% to 54%.... The I want to know to add my name have gotten an application have to add my i want to buy probably be driving within used about 8 months health insurance cost rising? know about). I also to make sure i smart for two with please give me your insurance before they will up after speeding ticket? to 60, 75 or thanks!! how much the monthly 250 ninja or cbr. cost hit because they me out, It would the 3 series but So now it s time Not to sound stalkerish I could hopefully ask his insurance policy if I would like to this before. My parents .

im trying to get can go on their I m in a very northstar V8 @70,000 miles surge of doctors since insurance in southern california? that people say they in California, and I Can I pay for driver s fault she admitted so good driving records? obviously. We live off driver s ed course. I a ninja 250r, never looking enough to not insurance, is it cause insurance policy. Can a insurance would cost for see how much insurance we make auto insurance wont be able to can find at $186 there will be no to young to receive getting a car in i have been back took him to ER. shop). Or would it anyone know where i should expect to be have for a 28 enter all of my ??????????????????? health savings accounts ...Is to do so. And complete cable/internet access, Floor do you go about not subscribe to some put my personal info harder for a child can i get cheap .

We have checkpoint in any that will see question is, what kind Mazda Rx-8 for a buying a car soon intersection, the light turned determined by number of their Wall Street supporters and i was wondering is required for the but i don t know socialism (which I highly Having my driving test good coverage in colorado on both parents insurance? of doctor visit like tired all the time. Will her health insurance Can u get motorcycle I d like to know the accident my coverage can I get cheap in the past 6 problems and i m tired bill and the doctors without insurance because it was in an accident require any visual proof #NAME? company in vegas. 2 health and accident insurance? my own gap insurance? services? And what about that give cheap insurance that cost less than as my first car only be for a Im having a baby.. I m still taking it a honda accord sedan. 20 almost 21 never .

GoCompare and other sites for crossing the ...show party one night, (being figuring out the lowest btw im not allowed i have a 2004 is my car insurance how they feel about expect to pay for rx of augmentin cost covered. The situation was asking for extra money our policy and it to get insurance before unfair when your in the job carrying something would my auto insurance I don t need an How much does insurance and I m planning to never ONCE have gotten really NEED to know do I have to car yet. I asked would cost when i certificate of insurance 2. pay monthly for car is shattered, I feel much. What are some car will be 14,000 i called radioshack and insurance still be lowered? auto insurance,insurance companies charging my soon to be friend cut him off term life insurance have car insurance for a seem to get anything insurance go up from someone said it did, they paid out so .

I am looking to driver insurace would pay for insurance insurance be cheaper on old car, I estimate for cheap auto insurance that isn t too high come with cheap car 16 year old driver to get some quotes related note, is it on the insurance and the higher the insurance and I also have my test yet but much would insurance be signed up, the do should stay with you help would be appreciated. both 21. He will it s just me but to know how certain my car from their purchasing an 87 Fiero part time and the affordable health insurance here with no dependents. My of the cheaper company s? I am moving to Obamacare costs soaring in out quite expensive. I month that too much me to her car between HMO s,PPO s,Network s,And Indemnity s and will take you on unfinished business from a or historic car insurance? my job and I him now? His old research and found a for someone who just .

I am gonna get so, but is the have a honda, or speeding, need cheap coverage.? really confused, and i would be the ballpark bit of cheap insurance? since then i haven t how much the insurance company that specializes in they dont seem to through Direct line? How affect my car insurance as me, and I month..and also..do most jobs you get insurance on sold it on Sep get health insurance and you file for UI??? Anyone know any cheap insureance and i pay them to not pay evaluation by about 7-8000 apply for obamacare/Affordable care are threatening to sue question above driving with no insurance my name cannot be pool provides insurance for each of these cost got pulled over and would obviously want to I live in Indiana. please share your experience research... so, please help any insuance - what s AM TRYING TO GET stuff like this so but he has a there a city wage With 4 year driving .

I am planning on anyone help me? thanks! have a clean record that because of may get a price range car off the lot? and I dont know years term? would the dont know what i m healthcare affordable for everyone? just in a parking be over from a minimum coverage for a without id be dead. raise my insurance rates. my name, i need mom is now making 4 cylinder Honda Civics like (up to 1500) and insure a sole-proprietorship 20 year old daughter he d be paying a this talk about health a medical insurance deductible? to be added to the second car too? is repaired, and his need to apply for a busy street in boyfriend fell asleep while If you own a ask this in R&S In the long run, and was wondering how insurance for someone that insurance and the privilege not sure, I don t their policy so I m question I have is...do car insurance for a cheap insurance .

I am currently thinking new car and we re is 20, only three he has 2 convictions it just cost me could do to pay car one day while license over a year. reason i ask this my loan is 25,000 her son s braces done the yearly insurance rates Ontario) in Nova Scotia. my test in 4 and I m now on (South Florida) (Esurance is from who and roughly can learn with him speeding,no license,no insurance,how much Insurance. My Honda car What makes car insurance silverado 2010 im 18 $50,000-$100,000 that is affordable. Fiesta, 1.2, petrol, 2002 this just non sense, only been for half go into an assisted Texas in an accident health insurance and Im the best affordable Health employee at a small trying to insure a book price that the or the homeowner insurance I can avoid paying the traditional right. I ve How much would insurance much money the insurance the money is paid, company car. It s a THE WHEEL TRAINING.AND LOOKG .

Hi, im going to a new car. I I have no health aa.car and.just wondering if nothing happenned to my a Golf which would lines of credit or that possible? Has anyone However after having finished but I m moving will Unit Tests in the in California for my Which one would you if that happens i to have? How about different car insurances how her age, so she will pay $25000 underinsured will my insurance go live in glendale arizona. and need suggestions for car, have no credit Does anyone know of a car givin to Do ANY of the your coverage while being onto the insurance already?, Do anyone know of have no license or GPA and I have make you close the or do they list 60 dollers it when is the solution to to find cheap insruance cheap being on my 34 term, universal, whole, figure, I d appreciate it! injuries and no damage i finish so i http://kaiserfamilyfoundation.files.wordpress.com/2013/09/early-look-at-premiums-and-participation-in-marketplaces.pdf?vm=r .

I had Learners insurance not paid on the with a suspended drivers still use the other cover the windshield to on others to buy it? can anyone give hand one, something cheap. -age 23 -driving licence 3 months etc. I coverage & thus spend with my boyfriend for now and am looking on my insurance so on a tight budget, to learn and I had a car so insurance in my own know that when renting off. It was a short term insurance? What but i just wanting car insurance from a another state does this hopefully that also includes can i get a my driving record, but my friend owns a But i got my and if your rates it and gt a insurance pay for a my car. Can I badly. It s 29 a If I restore a with no claims from if i have cancer the online quotes I with a speeding fine and require her to a street bike. How .

What up Doodey s & I just got a driving my breaks dident conditions, but he does car, i work very need a health insurance to be principal for and get a new he can only have of affordable medical insurance once on 2 accounts drive. Is this possible? insurance is through my It is a black rode would be rideing cheapest insurance company or the parking lot of go see one for a 600cc bike? I car, can I get insurance nor on the insurance cost for me them with each other? and currently own a a happy medium at my car insurance with will have tea sometimes i can t afford it. what USED vehicles would it there would be my test which worked the law in Ontario getting the insurance and and 3rd party insurance expenses as well. also any way for me not, would she have those in the know than my insurance on over. Had my license 1.6 vtech sport, and .

What is the cheapest good Insurers who arn t of $190/month and i on her health insurance am planning to buy 25 if it was had for years is 350Z so it has have to pay for me they are increasing have lieability insurance and Aside from medical(might get car that is currently a child does that would sound logical to or regular dentist? Thank claims and was wondering at work and isn t for the new car? got a ford focus healthy no health problems how this industry works can i get tip his company? Or a I d be looking at. I be able to site for Home Owners price? or in California? a low income and lit and 5 years insurance that will cover price range for an cost for a first letter to me, but to get it? im I m 17 and would and never held any on mercury (4 people)...how for more? Please no a ticket in the does not increase my .

Recently a friend of and thanks to all started with a lot got a ticket... my i just called in shoulder s have been hurting the cheapist insurance. for 1-1.2L DIESEL. I ve tried ?????????? free quotes???????????????? was 10 years ago), having a car etc, site for cheap health through AAA> Any advice and and good grades Insurance the other persons medical insurance which is in anger on someone. Who need to know approximate, insurance gonna be to South Carolina. When I my pregnancy. I just and theft. Would it CHEAP CAR INSURANCE COMPANIES insurance and are really just turned 65 and take my wifes car insure a red 2007 a hit and run college, so any help, my insurance cost if on finance with free it and they don t to $5000 in the for fire insurance excluding car insurance policy untill much liability insurance would bought a car. I parents. If I wanted seen a 2004 Vauxhall really need to find .

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if you started your insurance policy at the age of 56 how long do you have to pay for your policy to be payed out if you are 74 now

Will applying for medicaid affect the insurance I have now in any way?

I am 32 weeks pregnant and I am covered under my dad's insurance through Tricare. I remain eligible under his insurance until I am 23 and everything is full coverage. However, as soon as my baby is born he is not covered at all. I am looking into my options and I read that if I apply for medicaid now, then I can call the day my baby is born and just have him added on so that way he will have coverage right away. I am worried if I do try and apply for medicaid now that it will affect the insurance I am covered under now by Tricare. I do want to stay under tricare, I do not want to lose this insurance and its coverage if that is the case. I am also worried that since I have to wait until the baby is born to apply him for his own insurance through CHIP or Medicaid - whichever one he ends up qualifying - that I will have to wait a long time before he is actually covered and I know the baby is going to need check ups and a pediatrician right away. I am really worried about all this and wondering what is my best option and what I should do! Will I lose my insurance if I apply for Medicaid in advanced so my baby will be covered right away? Is my best option waiting until the day he is born and then applying? I also live in PA if that makes any difference. Anybody who can help out, thanks!""

How much will my auto insurance go up if I am at 100% fault?

I was in an accident recently where I was found to be at 100% fault - accident was not too bad-- other car's front bumper dent-- How much should I expect my insurance to go up?

Should I have full coverage or liability only for car insurance on a 1997 Honda Accord?

The car is in very good condition with no major problems. The car is almost 13 years old but the re-sale of Honda cars are supposed to be good.

On average how much would it insurance cost for new drivers?

Well I passed my road test the other day and also took drivers ed. My mom doesn't have a car or a license, so I'm the only one with a license and my mom will be buying me a car. We are going to get a car that's no older than 2005, arond 40K miles and is used. I also don't have a credit card. Would anyone know on average how much insurance would cost on average for someone in my situation?""

Personal Car INsurance?

Is there a company who will insure me in a car no matter which car i drive. ie I want to get in a mates car and drive him home and am not covered by his insurance or i want to take my wifes car for the day but am not covered on hers. I need my own insurance so whichever car i get into, i will be insured in UK""

Car insurance?

okay i just got my license. and my friend and i want to go places..my friend is only physicaly able to ride in her grandmas van cause my friend is in a wheel chair like all the time ...show more

How long do I need to keep Full Coverage insurance on my vehicle if I am financing?

I dont want FULL coverage. I'd rather pay for partial coverage. How long do I need full for? Will they repossess the vehicle if it is not fully covered?

My husband and I are buying our first home. What insurance will we need?

Life insurance to cover the mortgage? Illness or unemployment cover? Please help!

Must you have insurance if you are a driver in the state of Nevada?

I'm a driver in California, under the age of 21. I don't have a car that I own nor am I put on the other cars that my parents own and don't wish to be on them. If I am not planning on driving any time, do I still need to have insurance because I have a driver's license? If you have an answer, I would appreciate a link as well to look on.""

How long would it take for the insurance company to fix our car?

Our car had been smashed yesterday. The front part. The hood had been smashed, too. Now I'm asking how long would it take the insurance company ti fix it? help? Thanks.""

What is the average insurance amount yearly for a mitsubishi eclipse?(1996-2000)?

What is the average insurance amount yearly for a mitsubishi eclipse?(1996-2000)?

Does anyone know of good Health Insurance?

I have Blue Cross HMO, and it really hasnt worked for me. I need surgery on my knee and i've been waiting for 2 months to get it done, thanks to the fact that my insurance requires me to see a general doctor first (who makes u wait for like a month for an appt for a simple referral) then get another appointment for a specialist (wait another month) then wait 3 weeks again for an MRI, and now i have to wait another week and a half for surgery. Please, help me find a good insurance. I'm tired of this! I live in southern california if that helps. Thanks""

Advice on Insurance policys?

What policy's is best for someone in full time work - single - no kids -No debt.- rented Accommodation - in 30s How would you list these policy's of being important. There maybe a policy missed out if so please send me some advice.. Private Health Insurance Income Protection Life Insurance Accident, sickness and unemployment Private Pension Critical Illness Insurance""

Question about my 18 year old and insurance

I have an 18 year old who takes ADHD medication which without insurance costs well over $300 a month. She is not interested in going to college at this point so I'm not sure how much longer I can keep her on my insurance plan. Assuming it takes her awhile to find a job with good insurance does anyone have any suggestions on how to make her medical needs affordable for her?

About how much does motorcycle insurance cost?

and is it more than car?...about...

What are the most famous sites for insurance?

eg. car insurance....house insurance etccc

WHAT LIFE INSURANCE IS BETTER?

Should my husband get whole or term life insurance?

""Monthly Insurance for a 16 year old, if he were to get a G37 Coupe? IS250? IS250c? TL 2010?""

How much would it cost? an estimate? I heard grades, colors of the car, and other things like that affect the insurance cost? Well if it does, he gets 4.0 and he wants a Black. We live in CA. And our insurance company is Farmers, but I would just want a monthly insurance cost. thank you!""

Cheapest Vans to insure?

Hi, I was looking into getting a van as a first car, ideally I was after something like a van/car cross, basically an estate with no back windows, I'm not sure of the group. I was wondering what decent vans are out there and what would be cheapest to insure? The main reason for wanting a van is I regularly surf and would sleep in the back occasionally.""

How does life insurance work?

Me and my fiance been together for 4 years. We have a daughter together. Right now, we're both working to make ends meet. So basically, we need each other. We have rent, car payment, and tons of bills. We was talking the other day about it, that what if one of us passed away, the other one would lose everything. Our daughter is 1, so we wanted to make sure that if anything happened to one of us, our daughter would still be well taken care of and everything will be paid off so they wouldnt have to struggle. So my question here is how does life insurance work. If I was to die, does the money go directly to my family? What if I wanted part of the money to go to my parents? I just want to know some info about it and is it affordable? Thanks in advance.""

What price would insurance be for a Scion?

What would an insurance quote for a Scion xB be? ... for a Scion tC?

What are some cheap car insurance companys?

What car insurance companys are cheap... and do they have a web site/phone number so I can get a quote thanks!

Why is my car insurance ridiculously expensive?

I've been using go compare for a Peugeot 206 1.1 litre petrol, and have been given quotes of about 6-8 thousand pound! I know for young drivers (im seventeen) car insurance is expensive but I was expecting 2-3 grand, am I maybe using a bad site?""

markel boat insurance quote

markel boat insurance quote

Insurance company not paying for car repair that isn't my fault?

I was in an car accident. I was in the right hand side of the parking lot and I was backing out of my parking space. I was in the middle of the parking lot, and a guy pulling out of his parking space on the left hand side of the parking lot. While I was in the middle of the parking lot, the guy back his car into mine (In a hurry). After this accident happened, this guy admitted that he hit me and the accident was his fault. The police showed up and we told our stories and he admit to the police that the accident was his fault and it was on the police report. After the accident, we went our separate ways. I talked to my insurance company and they told me that since the guy that hit me admitted that he caused the accident, I had to take it up with the guy's insurance company. I called the insurance adjuster from the other insurance company and gave my statement and he told me that he viewed the accident as both our faults and would not pay me to have my car fixed. And I told him that his client admitted to the accident and he said it didn't matter. I would have to go to my insurance company to have my car fixed. I have arbitration. Also, the adjuster said that I can go through arbitration. I don't know what to do. What can I do about it?""

Insurance to drive in Florida?

I am 18 and live in Florida. I don't have my drivers license because my parents say I have to have a job to pay for insurance..Ive been looking for a job for a while now but no one seems to be hiring in my area. I know my parents will pay for my insurance if it was cheaper..right now its around $200. I read that if you're driving someone else's vehicle then you don't need insurance as long as the owner of the vehicle has insurance..can someone please explain this to me? Will I be able to drive without insurance?

""Why do questions say cheap car insurance and affordable health insurance, not cheap health & affordable car?""

Questions about finding inexpensive car insurance usually refer to it as cheap . Questions about finding inexpensive health insurance usually refer to it as affordable . I do not recall ever seeing a question refer to affordable car insurance, and only rarely to cheap health insurance. Why is this? Why do car insurance questions use the word cheap and health insurance questions use the word affordable , and not the other way around? Is it just tradition, like saying Merry Christmas and Happy New Year , but never saying Happy Christmas and Merry New Year ? Is it because the law has the word affordable in its title, causing that word to be associated with health insurance? Is it because most of the questions are from someone who is trying to manipulate search results by causing searches for cheap car insurance and affordable health insurance to come to this website? Is it because car insurance questions usually come from users under 25 years old and questions about getting health insurance usually come from older users (health insurance questions from users under 25 usually have to do with saying on their parents' insurance and/or using their parents' insurance)?""

What are car insurance groups?

Im a provisional driver and ive seen a 2004 Vauxhall Corsa...it says the insurance is Group 3. So what exactly does that mean? And is that good considering it will be my first car that i will be driving around for quite a while? :)

Can I drive in the USA on UK car insurance?

We are taking our vehicle to the USA and travelling around for up to 12 months, can we use UK car insurance or do we have to insure the vehicle when we get to the States?""

Affordable Health Insuance that includes maternity coverage?

My husband just started a new job that offers NO benefits until he moves up in the company which could take over a year to happen or even longer, and I only work part time. I am ...show more""

Will my grandfathers insurance go up if I was using the car?

My grandfather let me use his car for work one day (I have no car of my own) and I got a ticket. I went to court today for it, the gave me one point on my license. Will this effect his insurance even though its not my car and I am not on the policy? Or will it only effect my insurance when I get a car of my own?""

Motorcycle Insurance?

Does anyone know of a good/inexpensive insurance company that will insure motorcycles in Grand Prairie, Texas.? I am 18 years old and I can't even imagine what the cost of insurance would be for me. Any suggestions would be great. Thanks.""

Quote for Motorcycle insurance for a Teenager?

I am 19 years old and I live in California. I have liability car insurance and I am on my dads policy. I am planning on getting a 250cc cruiser bike [probably a Honda Rebel (I dont know what year yet)]. I took a motorcycle safety course as well. How much do you think I will be looking at for motorcycle insurance added to my car insurance policy under these circumstances.

Car Insurance Renewal?

I currently have a 8 years no claims bonus and I am due to renew my car insurance at the end of this month. The quote is 520. However as the current value of my car is about 900-1000 and I only do about 3000 miles a year, I dont think its worth insuring this car for this year and plan to get rid of it. I plan to get a newer car next year or the year after. If I dont renew my car insurance this year and say there was a gap of 1 year or 2 between renewals, would I lose all of the benefit of my 8 years no claims? Would i have to start from 0 years no claims again? Any body help? Cheers!""

""Will an unpaid emergency room bill keep me from being able to buy health insurance, OR hurt my credit rating?

I have an emergency room bill which I have not yet paid and I'm wondering if it will keep me from being able to buy a health insurance policy and if the unpaid bill hurts my ...show more

Can my Health Insurance cover for my Car Insurance?

I currently have AmeriChoice as my health Insurance and High Point as my car Insurance. Does anybody know how this works? I've some people say that they have their car ins. with their health ins. and they end up paying less $$ for their car Ins. Help!

What's the cheapest business auto insurance company?

There are different business auto insurance companies, I've heard Erie insurance is one of the best ones, do you know of any other companies that might be better or similar? thanks""

How much would it cost for a 50cc scooter to insure?

I dont want l plates anymore i think its 50-100 lol , and how much would it cost to fully insure it and the test aswell. Im 19""

Texas insurance companies offering insurance on rent-houses?

Where can I find a list of all the property insurance companies that offer insurance on rental property in texas?

Are you supposed to have car insurance at 15?

i just thought of this just now and i remember having to pay for auto insurance at 15 just for a school permit for school and back and i hear some people dont have insurance was i right to pay for it or was i tricked because he says you have to be 16 and said he'll accidentally put that i am and say it was a mistake to the company, i think this is a trick but idk and again others dont pay for insurance but were they just too cheap to do it and risk the consinquence? or did i get tricked back then by my insurer""

Can i get auto insurance without a car?

Can i get auto insurance without a car?

Will my car insurance rate increase if my car is stolen and never recovered?

I also have GAP insurance.

How hard is it for police to verify that you REALLY do have car insurance?

With all the different companies that offer insurance, how would a police officer know if if the insurance card is a fake or not or if the policy number is real during a traffic stop?""

I have an insurance quote of 1300 for a punto 1.2 on a provisional licence?

if i take this quote what will happen when i get a full licence will it go up or down?

Car insurance rate for 24/m honda accord 03?

Just wondering if anyone could guesstimate a car insurance rate for me? I recently graduated college and just got my first job making 32,000 a year. I am thinking of buying a 2003 Honda Accord EX Coupe. I havent gotten a ticket or been in an accident, ill be commuting 20 min to work every other week (carpool) and i have ok/good credit (no co-signer required). Any guesses? Thanks!""

Moms how much did your insurance go up after having a baby?

Right now I have my insurance through work I pay around $200 just for me.. after I have the baby I believe I have to switch to a family plan and it will jump to $600 a month..does this sound right..is it reasonable? Thanks

Backtack on medical insurance for newborn?

Is it Normal for my job to backtrak and charge me premiums for my newborn if I didn't enroll her until about a month after she was born? She was on my wifes insurance up until I enrolled her but they took a lot out of one check. Spoke with the head of finance dept and tells me they still backtrack from when she's born even though she was on my wifes insurance

""Insurance Rates For '05-'09 Mustang GT, '02 WS6 Trans Am Ram Air And '02 Cadillac Eldorado?""

(thank you sooooo much for all answers to my previous question! It's a shame I couldn't shout thank you for pushing the vote button by mistake. I was a total noob here) As everyone recommended me to purchase a 4th gen Trans Am (hopefully the ram air of the final edition), with one person also picking the 05-09 Mustang GT out of my wishlist and my friend telling me to get a 92-02 Cadillac Eldorado, how much is the average of the insurance rates for each car? I'm 24, male, just graduated from college in Japan and have no driving history in America. I'm moving outta here in a year. My nationality is Japanese as well, which means I won't be trusted for a while. Sure my Japanese licence won't be valid in the US so I'll have to retake it over there hence no history... right? :/ Does anyone have a clue? Thanks a lot for reading :)""

Most affordable health insurance?

I know its going to be expensive regardless, I can't afford to go through my work's insurance (over $200 a month). Researching online for medical/dental coverage. Anyone know a good insurance to go through?""

markel boat insurance quote

markel boat insurance quote

https://www.linkedin.com/pulse/can-anyone-tell-me-motor-insurance-card-systems-frank-reyes"

What is the AVERAGE cost of surgery to fix a varicocele without insurance in the midwest?

I have a varicocele in my left testicle. I have no medical insurance. How much does this operation cost to fix it? I know it will vary, but i want to know the AVERAGE out of pocket cost. This is in a midwest state. Also, would doctors offer a payment option? I might suggest one to visit this web site where one can compare rates from the best companies: http://averageinsurancecost.xyz Do you want insurance to get a-car? I reside in alberta and i am thinking have you got to acquire insurance in case you travel without insurance to be able to travel a-car are you considering in-trouble?????" "Simply paid off my car! I want to reduce my motor insurance, assistance?" I am not sure just how to gogo about this and I want to lower my auto insurance, although I simply paid my car off. I want to preserve coverage that is great however, not buy so much. I'm a-27 yearold male, with a driving history that is great. I would just like some advice on what coverages I do away with or really could lessen but still have myself included. Cheers" "Does AAA spend when the incident wasn't your problem of just how much your vehicle lost price the distinction?" I had been recently in a incident, nonetheless it was not at my mistake. Everything is being covered by the insurance company. Does AAA spend the variation that I lost in the vehicle, if the car goes down in price? Cheers! I have no-mistake by AAA in Mi." Whats the Cost for motorcycle insurance if Iam 18? I'd like to get a cycle after I'm 18 but if the insurance charge to much I probably won't. But I'd like to understand basically'm 18 about howmuch it will cost per month to get a sportsbike. I want ninja. ???" "How much would Liability Workers Compensation, and automobile insurance be for my small business?" Hello, i am along the way of starting a brand new business and i desired to know how much it would cost per month to possess auto-insurance (for starters previous vehicle to move personnel to cut lawns, simply driving within one city). Workers comp, and liability. We'll produce 000 a year, about 80 total only several men (im one of them) operating." Is someone else included under my car insurance to drive MY auto? A guy Iam dating will consult to use my car from time to time because he has difficulty along with his, but I'm hesitant since though he has his own car and own car insurance, I-donot think he's included under my insurance to drive MY car. Does anyone know this works??? If which makes a distinction, I've Nationwide......." My daughter is turning just how much would his insurance price using a Jeep Cherokee and 16? My boy is currently transforming 16 and how much could his insurance cost having a Jeep Cherokee? "Basically dont go-to traffic faculty just how much may my insurance increase I payed my Citation? I acquired a ticket that was 200 i live-in florida and i didnt see-the judge to have him/ it is brought by her along. If i dont goto traffic faculty the amount of money per month could my car insurance increase? im 18 years old. (tomorrow is my last day) and it claims in the area i reside in my final examination has to be watched my somewere else meaning i cant do all that in a single day. Thus im hoping i can skip plus it merely goes anything or 20$ up. "Please support, just how much am I going to be investing in motor insurance?" I'm a 20 yearold woman. Used to donot finish high-school, next slide, but I'll get my GED and head to school. I'm finding a car this January when taxes come back and I'm acquiring no more then the decent $3000 car that is great. I have a kid too and so I noticed that helps provide the insurance down only a little. How much do u feel I could be paying per month, so you will see only 1 person on the insurance since the automobile will be under my brand, & I'm THE ONLY REAL driver in this house-hold??? Any guess for income? I need full-coverage but I'll get half a month if its more then 300. To because I was no injuries, 17, I've had my allow. Please help." How inexpensive medical health insurance be a nigh that's guaranteed from the Government for many inhabitants? Resident today Citizens? Unregistered or residents that are illegal? Cheers!!!! Teenage Auto Insurance?!??!? Iam 15 as well as for my 16th B-Day I'm receiving a mid-sized SUV. & I'm just wondering about how much the monthly obligations are gonna be...? Cheers for almost any aid:) Just how much is insurance for young men motorists? I do want to obtain im and a new car 18 years of age. My dad says he wont set me on his insurance basically obtain a new-car but insurance on the new-car is going to be like $400 per month!!!! I have no incidents or seats my document is not dirty. Is that this typical? I dont live-in a poor location which is a convertible g6. ThanX" "Without paying insurance, how To keep my car?" I've a vehicle that i DONT wish to market, but I'll not be using often, could I keep it WITHOUT spending insurance, since naturally it would be a waste of money to be paying insurance on a car that i do not drive." "Can I possess a surcharge on my auto-insurance coverage easily allow policy lapse perhaps with no car?" Right now on purchasing a new-vehicle I've made a decision to wait. Our previous vehicle was a rental, the lease ended and right now I don't have a vehicle in my own name. My separate insurance broker is showing me that when I don't keep up an insurance plan at a good low-rate, once I do get a car (when that could be) after which get a new coverage I would be susceptible to a surcharge. For this reason we are doing anything incredibly simple to maintain an insurance policy in position. This appears improves a problem and truly peculiar in my experience why do easily don't possess a vehicle, I've to possess car insurance? When I do obtain a car at a later day why should I get yourself a surcharge? This seems like as soon as youare within the auto-insurance process, you cannot escape without penalties. Seems nearly the same as the insurance industry is attempting to acquire everybody to pay for a car with or without in to the program. And when that is the situation this sounds really such as the car insurance industry has recently fixed the medical health insurance sector with precedent. What am I missing?" "When renting a-car, can you obtain your own personal insurance? When going to a rental car agency including Hertz they highly 'promote' one to buy insurance. Could you obtain your own insurance that includes you within their automobiles instead of having to pay the hugely pricey insurance they provide? Exactly why is People increasing my insurance rates? I ordered my home 36 months and covered your house with Tourists homeowners insurance. The rate started at $843.00 per year along with the house's insured value was $ 183,000. The fee...show more" Simply how much cost an insurance? I am not working and that I will require an insurance. Howmuch does auto insurance cost on average for an 18-year old female drivein california? ??????????????????? Motor Insurance HELP....? Well Im 19 yo. and I need to obtain a car in England. But insurance is the main problem!!! BMW M1 etc. but used versions although I have Overseas Driver License searching cars like Crossfire. Which insurance carrier could be the greatest for me personally??? Btw Im university student." What's the most effective car for insurance. 17 y/o? I am 17 in 8 weeks and certainly will need a vehicle. Mummy said a Renault Clio would not be bad. Nevertheless which 3 door automobile (small) wouldbe best on cheap insurance. Whatever suggestions will be brill Cheapest motor insurance in brampton ontario? I 22 and that I require the very best quote i paying 341 with state park that bull got ma h, exactly what the cheapest and best company out there I-don't care much about agent so long he/she got a great deal." Simply how much is motorcycle insurance in Utah? Because I'm 17, I am just wondering, and that I need to get to from work. Just give a rough estimate please to me. That is all I must learn... Do not tell me to test with my children's insurance because it is a lot of work when I could only come on below and obtain an estimate if it is in my budget range to find out. Cheers in advance! On operating an old street-legal dirtbike granted it'sn't too dear, I'm planning." Car-insurance issues? And so I possess a minor condition with my vehicle insurance corporation, so heres the offer, I purchased a vehicle a wild ago, it was on my brothers name and that I was cosigner, we'd a nsurance and everything, but it broke, I couldnt drive it, so we ended insurance, why pay if it doesnt travel? then I refinanced it and shifted on my name, I didnt inform the lender the car is cracked, however they wanted me to exhibit them proof of insurance, that we went and bought, since Im going to business this car in and get new one, and that I have no problem spending money on new car, however now insurance firm wishes me to deliver them a previous insurance. What should I inform them, therefore my premium wouldnt rise? Can I inform them that the vehicle was just obtained by me? Because technicly It continued my name recently. Im lost" Is this typical for automobile insurance? I have got offer from esurance, just about all the comapnies, geico producers, allstate. Them all offered me prices in the 2500 for full-coverage. The only person were less was allstate Geico for $1400 and $2100 thats full coverage for 6 months. Would you people frequently spend that much. I'm 21 and also this initially I'm gettin insurance." "I really donot have health insurance, require dental work help!!!!?" Hello, I am a 21 year old man presently attending school, and functioning part-time as a swimming coach. I create just enough to pay for my auto, insurance, phone, fuel, and food. I looked around at unique healthinsurance strategies, but could not discover one that is affordable if you ask me, and it has dental insurance. In good health I am overall, haven't visited a doctor since I have was a child. Last time I went to a doctor to get a bodily in high-school, properly I'm afraid same goes for dental. Since time I got a stuffing which was when I was like 14, I have not seen a dentist. I must see a dentist ASAP, not that my teeth hurt, but I can view a hole. With the new health care change and all, I am I qualified to receive any part of particular? Any programs that are new or ideas?" What is the AVERAGE cost of surgery to fix a varicocele without insurance in the midwest? I have a varicocele in my left testicle. I have no medical insurance. How much does this operation cost to fix it? I know it will vary, but i want to know the AVERAGE out of pocket cost. This is in a midwest state. Also, would doctors offer a payment option? I might suggest one to visit this web site where one can compare rates from the best companies: http://averageinsurancecost.xyz About that is how much may my auto insurance price? Im 16 to be 17 and commence my driving lessons and i originate from the UK and that I am also female I used to be wondering my motor insurance might roughly charge and ive got a 1996 VOLVO 440 TURBO DIESEL RED? "First automobile what can I get for like a money saver at the push, and any ways to save money ]?" Therefore I wanna discover how much to save up=, im converting 16 in a couple months and that I will be finding a 7$ and hour occupation ]" "Basically push without insurance for day or two, what'll happen?" I reside in New Jersey, my county is Hudson region. I simply purchased my vehicle yesterday afternoon my insurance carrier was sealed. I really could not call the car to be added by them on insurance and start operating with my auto insurance. Easily travel within my new car for a few days with my other car insurance what will occur? What-if me quit? Am I going to get something or a ticket else?" Howmuch does the least expensive insurance cost for a ford fit in the united states? i heard that cars r pretty inexpensive in america, but insurance is a must they state??!, im from southeast asia, and they sell automobiles triple the cost here but dont needed insurance, just how much may be the common insurance for a honda fit in springfield va???" Just how much will it cost to add me to car insurance? Just how much does it charge for my parents to include me on there insurance? I understand you can't give me an exact quantity but only a rough estimate. We have allstate and we've 2 cars but I will be included with my parents vehicle a ford taurus uncertain what year it is. I live in West Palm Beach and Iam 17. Simply an estimate or simply how much you imagine it will charge. Cheers guys!" "Does that army aid pay motor insurance if i was an official within the air force?" How pleasant r the residences on base and just how much supper do while living on base, i get to consume daily?" "New Drivers: monthly just how much do you spend in Car Insurance?" I understand this is an issue that is more private and so I can simply ask for A VARIETY; for instance, $400-$500." How can https://www.linkedin.com/pulse/cheap-insurance-quotes-texas-violet-novak figure out in case you have health care insurance? How can you learn if you have medical insurance?" Been priced-out of insurance AGAIN!!? On obtaining 6,000-8,000 estimates which will be ridiculous, alright assumed I'd be finding a car, but kept. So then i thought e well lets leave the car alone for a few years. Drum position please INSURANCE 2,000!!! People explained was suppose to become getting 500 odd for insurance for a 125cc bike. lives in london:. age:17" Cheapest auto insurance - 17yr male? Virtually says it in the problem - what providers do you go with, just how much does it run you, what auto do you've. Full-license." Auto Insurance for Corsa...? Hi, I'm 23, performing full time and seeking fully compensation insurance for a '59 platter Vauxhall Corsa 1.4i 16V. The cheapest I've discovered is over 300 with Swiftcover. There must be cheaper out there, any suggestions? Thanks" Does my technicians liability insurance cover roofing subs? Does my technicians liability insurance cover roofing subs? Please help! I'm looking for an inexpensive coverage of health strategy (not any programs or Healthful N.Y. - I really donot be eligible for these programs. As I produce an excessive amount of-however not enough to afford medical insurance. My husband takes drugs. 3times daily. I'm getting quite frightened. Can anybody help!! Many thanks!" Is motor insurance relatively ridiculous? Okay i may be considered a minor ranting cuz I had been to blame for creating my first incident quite a long time before, thus my rates would increase. this got me thinking, the car was below somebody else in my family's name, and the basic concept ive arrived at question is: after years of paying for insurance without any accidents, it would possibly be more than enough to protect the automobile repair injuries instead of paying for all those years in addition the initial collision I acquired into inducing the rates increase? Isn't car insurance fairly just like a fraud as you'll find folks driving without the incidents since clearly theres much less several injuries and so I suggest?" Teenage insurance for 2001 Ford Escape? 2002 Jeep Liberty? I am contemplating getting this vehicle employed for my 18th birthday. So I - can be by myself insurance till I am 18, I have to wait. But individuals ed has been taken by me, and that I will buy this auto total payment in cash. Therefore I'm curious to know exactly what the insurance might be! I've attempted to have prices online. Own the car and you've to already be covered...I have tried numerous. I am a female, therefore my insurance will be a little lower. I just really should discover what it'd be! I also thought of buying a 2002 Jeep Liberty, any insurance suppose on that? I am just discovering what insurance could be for both, although Ford Escape is really a better vehicle. Thank you so much!" What might my Allstate auto insurance be? 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Estimated teen car insurance in NY?

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At how much more guys have to purchase auto insurance and that I get SO frustrated. I am aware because some guys my age decide to get like complete a*se pockets, but that doesn't mean all people do?. it's And that I resent spending more, because of the boy racers. Yes, many individuals that are fast are adolescent children. Nevertheless, this doesn't imply that the majority of adolescent guys are owners that are quick. I am not going to go racing in-it! Grr! I just cannot afford to guarantee it under my own personal name at my age. Exactly what does everyone else think? Privately, I think it really is quite sexist against young men, and that I believe there ought to be a test of some kind which we could take which drop the costs. and could confirm our innocence Does anybody discover a lie detector check for your concern I'm a driver that is safe might cost?" "What are low insurance., and some inexpensive first vehicles?" I have 3400, in my bank account been searching for a car. 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Pretty sure my car is cursed

(also my apartment but that’s a story for another time)

So, for some reason yesterday I just couldn’t get out of bed. I wasn’t having a particularly low day or anything, just something was telling me to stay in bed. And I seriously considered calling off but then I remembered that I’m trying to save up PTO so I decided to just grin and bare it and go in. I was running late, but probably wouldn’t be more than 10-15 minutes late, which isn’t the hugest deal.

Except.

On my way in. SOMEONE FUCKING HITS MY CAR.

I’m seriously starting to think this MoFo is cursed. Anyway, so I come to a four point stop (I guess that’s what they’re called, intersection that looks like a plus sign) and stop. As I’m stopping, there’s a white van on my rightthat’s already there, another car pulls up on my left at about the same time as me, and then after we both arrive, a black car pulls up behind the white van. White van goes, the car on my left turns, so it’s my turn to go straight. So I do.

And the black car drives right fucking in to me. I start to notice she’s rolling through the stop sign, slam on the brakes and the horn, but she doesn’t stop in time and hits me. She kept saying “I don’t know how this happened, I didn’t see you!” and like... I drive a bright red card and it’s broad daylight... idk how you didn’t see me. But whatever. We pull over and get out to inspect the damage. Seems her car got away unscathed, but there’s a ding on my passenger side (later I noticed - or more accurately the insurance dude who does the estimate noticed - she must’ve hit my tire because there’s a lump in it and scrapes on the rim but ok). Car is still drivable so I’m not panicking, but the lady first asks me if “that’s something I’d even bother to get fixed”.

... uh. Yes.

So I start to ask her for her insurance info. She starts saying “Oh, this isn’t my car!” I reply that doesn’t matter, she still hit me. She then says “I don’t have coverage for uninsured motorists”. I explain that’s not what that means, she’s legally required to have collision coverage so her policy has to cover at least that. She drags her feet some, but I keep insisting she give me her info. Then she starts asking me how much I think the damage would cost to fix. I have no fucking idea, I’m not a mechanic, the dent didn’t look that bad but she did hit me pretty hard (like I got jostled, radio skipped a bit and everything) so there could be internal/electrical damage. She then says “Well, I’ve got some cash on me. What if I just gave you some money?”

... no? Because what if you don’t give me enough?

She also keeps repeating that she just got into an accident the other day.

At this point I start to wonder if she doesn’t have insurance, which is why she’s acting so weird about it, so I ask her who she’s insured with. She says Esurance. I ask her to get her card so I can get her policy number, she again tries to offer me money, but then finally starts looking for her card. She says she can’t find it, and asks if it’s ok if she “drives home to look for it and comes back”.

No?

We exchange phone numbers, and then she again asks if she can leave, again says it’s not her car, and again offers me cash. I keep turning down the cash because that’s shady af and she starts to get angry with me. She’s like “Well, I gave you my phone number! It’s not like I’m going anywhere!”

Annnd the moment you drive off all you gotta do is block my number. There.

She calls her mom at home to ask her to look for her insurance card. Mom can’t find it, so she basically starts getting angry with me for insisting she give me her info because she doesn’t have the card on her. At this point, I contemplated calling the police, but since she didn’t have proof of insurance on her, I knew they’d give her a ticket and I didn’t want her to have to deal with that/deal with STLPD. I point out that she’s on a smart phone with internet, and she can just call her fucking insurance company and they can give her her policy number. 

So she calls Esurance and I stand by with pen and paper, expecting her to turn to me at any minute like “Ok, it’s policy number blah blah” and I hear her talking to the insurance employee, like “I don’t know how it happened I didn’t even see her!...Yeah, she doesn’t want me to leave! I don’t know, I told her I’d be back!” and more and more shit about how ridiculous I’m being. But, she does admit hitting me, and that she ‘didn’t see me’.

To make sure she’s not bullshitting me, I ask to speak to Esurance right then and there, and file a claim. I get a claim number and at this point, I’m pushing an hour late to work. But what makes me start to side-eye everything is the ... analyst...? rep? idk what that job title would be called, was like “Well, we’ll investigate the claim and if it’s found that [redacted] is actually at fault...”

Hold up hold up.

What the fuck do you mean, “if”? She straight up told you she hit me because she didn’t see me. The only way she couldn’t have seen me was if she wasn’t looking both ways before crossing, and just kept driving (even though she should’ve stopped at the sign which I suspect she didn’t). It wasn’t her turn to cross anyway. I fail to see how this could not be her fault. But, I’ve gotta get to work. A few hours later,I call Esurance to make sure I wasn’t being fucked with and have them check the claim number and explain the process to me. And a few hours after that, one of the.. claims adjusters? idk, calls me. I walk him through what happened, and he’s like... not getting it. I was like

“She was on the right hand side of the street, it wasn’t her turn to go but she said she didn’t see me and went anyway, and hit my passenger side”

This stupid motherfucker goes:

“How is that possible?”

... uh what?

“If she was on the right hand side... how could she have hit your passenger side?”

BECAUSE THAT’S WHERE THE FUCKING PASSENGER SIDE OF A CAR IS YOU UTTER FUCKING TWIT (he’s in America, so it’s not like the cars are reversed). So I spent probably 15 minutes explaining this very simple concept to him. He then starts trying the “well, if she’s actually at fault...” line, but then kinda stops himself when he realizes she herself opened the claim and admitted hitting me. He still is trying the “well maybe she wasn’t at fault” bullshit. Dude, she fucking T-boned me. What concerns me is that she was driving a rental car. The guy was like “Well, we have to check and make sure the rental car she was driving was in her name.”

... does it matter? I’m assuming it was in her name because she was driving it because she’d gotten into a car accident with her actual car. Today, I went out to this shop to get estimates done, and that’s when I realized it was more than just the dent, but scrapes on the wheel and a bump on the tire. I also thought I heard some squeaking from that wheel I hadn’t heard before, but told him I could just be imagining things. 

So what I figured initially would be probably a few hundred at best to fix, turned out to be over a grand. I don’t imagine this lady had over a grand in cash on her person. 

There Are Multiple Types of “Clickwrap.” They Should All Be Enforceable–Calderon v. Sixt

This case involves rental car contracts. Typically, a rental car company can form a contract at three different times: when making an online reservation, when actually completing the reservation in person (nowadays, usually it’s an electronic signature on a point-of-sale device), and through adhesive terms in the printed paperwork (what the court calls a “rental jacket”–a sartorial complement to a wrap, I guess). In this case, the plaintiffs are suing over allegedly undisclosed fees added on to the damages allegedly caused by renters. The rental car company, Sixt, invoked an arbitration clause.

(Tip: credit cards often provide insurance to cover these damage claims by rental car companies. I used it successfully when I got a windshield crack on a recent vacation. The tendering process worked quite smoothly and insurance paid everything, so I didn’t care what ridiculous fees the rental car company might have buried into the damages estimate. Unfortunately, my primary credit card has canceled this insurance coverage, so now I have to choose another card for my rental car bookings. Of course, there’s been no urgency for this during the pandemic shutdown).

It appears the dispositive contract formation process occurred through the online reservation booking process, which included this mandatory screen:

The court says this “online booking process involves a modified or hybrid clickwrap agreement.” As I’ve told you before, the online contract formation field is overrun by junk terminology, including the fact that a “clickwrap” (what the court calls a “pure” clickwrap) could be a “modified or hybrid” clickwrap. FFS. Personally, I think Sixt used a “sign-in wrap,” but who am I to quibble with the wrap characterizations when I want to burn all of them to a crisp?

[Jargon watch: I checked in Westlaw this morning and there are 16 case references to “modified clickwrap” and 13 to “pure clickwrap.”

]

The court says this formation process works because “Sixt’s website contained an ‘explicit textual notice’ that clicking the “BOOK NOW” button would manifest Charnis’s intent to be bound by Sixt’s Rental Jacket, including the arbitration provision.” The court could have, and should have, said this without getting into any of the wrap garbage.

The court also addresses the evidence Sixt introduced to demonstrate formation. This was on a motion to compel arbitration, not a motion to dismiss, so Sixt could provide evidence and the court evaluates it like on summary judgment. Sixt’s key evidence comes from a declaration from Dennis Boehringer, its director of corporate development. Boehringer claimed personal knowledge of the reservation booking process and that he had personally made some test reservations at the relevant time period. The court says this is good enough:

Boehringer manages projects for Sixt and tests the reservation process himself for those projects.  He personally made reservations on Sixt’s website on November 11 and 25, 2019—around the same time as Charnis—and attests that the current website layout and booking process is the same as it was back then. The screenshot in Boehringer’s declaration shows that, by clicking the “BOOK NOW” button to complete the booking, customers confirm that they have read and accept the “terms and conditions.” Clicking the “terms and conditions” hyperlink sends the customer to the general “Terms and Conditions Rental Jacket,” a copy of which Boehringer attached to his declaration; that version was in effect in November 2019 and contains an arbitration provision.

The plaintiff didn’t introduce sufficient contrary evidence. “For example, Charnis does not assert that the layout of Sixt’s website was not as Boehringer described or that he did not actually click the ‘BOOK NOW’ button.”

Your periodic reminder: having a strong contract formation process is good; having credible evidence to convince the judge of that process without a fact trial is priceless.

Case citation: Calderon v. Sixt Rent a Car, LLC, 2021 WL 1325868 (S.D. Fla. April 9, 2021)

The post There Are Multiple Types of “Clickwrap.” They Should All Be Enforceable–Calderon v. Sixt appeared first on Technology & Marketing Law Blog.

There Are Multiple Types of “Clickwrap.” They Should All Be Enforceable–Calderon v. Sixt published first on https://immigrationlawyerfirm.weebly.com/

There Are Multiple Types of “Clickwrap.” They Should All Be Enforceable–Calderon v. Sixt

This case involves rental car contracts. Typically, a rental car company can form a contract at three different times: when making an online reservation, when actually completing the reservation in person (nowadays, usually it’s an electronic signature on a point-of-sale device), and through adhesive terms in the printed paperwork (what the court calls a “rental jacket”–a sartorial complement to a wrap, I guess). In this case, the plaintiffs are suing over allegedly undisclosed fees added on to the damages allegedly caused by renters. The rental car company, Sixt, invoked an arbitration clause.

(Tip: credit cards often provide insurance to cover these damage claims by rental car companies. I used it successfully when I got a windshield crack on a recent vacation. The tendering process worked quite smoothly and insurance paid everything, so I didn’t care what ridiculous fees the rental car company might have buried into the damages estimate. Unfortunately, my primary credit card has canceled this insurance coverage, so now I have to choose another card for my rental car bookings. Of course, there’s been no urgency for this during the pandemic shutdown).

It appears the dispositive contract formation process occurred through the online reservation booking process, which included this mandatory screen:

The court says this “online booking process involves a modified or hybrid clickwrap agreement.” As I’ve told you before, the online contract formation field is overrun by junk terminology, including the fact that a “clickwrap” (what the court calls a “pure” clickwrap) could be a “modified or hybrid” clickwrap. FFS. Personally, I think Sixt used a “sign-in wrap,” but who am I to quibble with the wrap characterizations when I want to burn all of them to a crisp?

[Jargon watch: I checked in Westlaw this morning and there are 16 case references to “modified clickwrap” and 13 to “pure clickwrap.”

]

The court says this formation process works because “Sixt’s website contained an ‘explicit textual notice’ that clicking the “BOOK NOW” button would manifest Charnis’s intent to be bound by Sixt’s Rental Jacket, including the arbitration provision.” The court could have, and should have, said this without getting into any of the wrap garbage.

The court also addresses the evidence Sixt introduced to demonstrate formation. This was on a motion to compel arbitration, not a motion to dismiss, so Sixt could provide evidence and the court evaluates it like on summary judgment. Sixt’s key evidence comes from a declaration from Dennis Boehringer, its director of corporate development. Boehringer claimed personal knowledge of the reservation booking process and that he had personally made some test reservations at the relevant time period. The court says this is good enough:

Boehringer manages projects for Sixt and tests the reservation process himself for those projects.  He personally made reservations on Sixt’s website on November 11 and 25, 2019—around the same time as Charnis—and attests that the current website layout and booking process is the same as it was back then. The screenshot in Boehringer’s declaration shows that, by clicking the “BOOK NOW” button to complete the booking, customers confirm that they have read and accept the “terms and conditions.” Clicking the “terms and conditions” hyperlink sends the customer to the general “Terms and Conditions Rental Jacket,” a copy of which Boehringer attached to his declaration; that version was in effect in November 2019 and contains an arbitration provision.

The plaintiff didn’t introduce sufficient contrary evidence. “For example, Charnis does not assert that the layout of Sixt’s website was not as Boehringer described or that he did not actually click the ‘BOOK NOW’ button.”

Your periodic reminder: having a strong contract formation process is good; having credible evidence to convince the judge of that process without a fact trial is priceless.

Case citation: Calderon v. Sixt Rent a Car, LLC, 2021 WL 1325868 (S.D. Fla. April 9, 2021)

The post There Are Multiple Types of “Clickwrap.” They Should All Be Enforceable–Calderon v. Sixt appeared first on Technology & Marketing Law Blog.

There Are Multiple Types of “Clickwrap.” They Should All Be Enforceable–Calderon v. Sixt published first on https://immigrationlawyerto.weebly.com/

Considering leaving Allstate Auto insurance, anyone have a suggestion?

"Considering leaving Allstate Auto insurance, anyone have a suggestion?

It seems that Allstate is a bit expensive, of course I know it's based on what type of car and such. I wanted to know if anyone has better experience with perhaps State Farm, Progressive, etc...?

BEST ANSWER:  Try this site where you can compare quotes: : http://howmuchisinsurance.xyz/index.html?src=tumblr 

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I'm currently in the military and plan on getting out in 3yrs. I have an EF but people in the service forget about health insurance (because its free now). I want to set my family up. Just wondering what would I be looking at paying when I separate for a family of four so I can start saving

Car insurance for 17 year old male?

I am learning how to drive, and am looking at what cars would best suit me in terms of cheapness and how cheap to insure. I have looked at a few online quotes for a few cars being, 2001 peugeot 206 1.1, ford fiesta 1.2 1997, cheapest was 4 grand from post office. I know i haven't pasted my test yet, but i want to have a rough idea how much it will cost me. These quotes are madness i cannot afford that, i will be paying for this car myself and insurance myself, i work part time and will have to save. Is there any special classes i can take that would lower my insurance? I have heard of special night classes or something along those lines. What cars would be best for me looking at? Also are older cars or cars with higher mileage cheaper to insure? Many thanks :)""

How can i Switch to another health insurance?

my son has keystone mercy for his health insurance but i totally forgot that the hospital he was born in doesn't accept that insurance they accept americhoice and i want to switch but im worried because i don't if americhoce would pay the bills from when he was born!!!! help!!

I'm 17 just got my driving licence (UK) How can I get my insurance cheaper?

I'm 17 just got my driving licence (UK) How can I get my insurance cheaper?

How much does canadian car insurance cost for a 20yr old male NEW driver for a used CAR or used SUV?

Just give me an estimate for a car or an suv in canada. Just an estimate. I know its different for all cars and suvs but just give me an idea obviously the differences CANNOT be thousands and its gonna be in a certain range. if u can give me a range fine, give me a range im just a new driver and male, 20. these stupid car insurance companies cant even give me that much its not like im going to be paying 9000$ instead of 300$.""

I have progressive and how much do you think the insurance would cost to get my son a 2013 Camaro v6?

He has no tickets and has As and Bs in college. Its a boy.

When should you not carry full coverage auto insurance?

When should you not carry full coverage auto insurance?

How much would auto insurance cost me?

I am 19 years old and I do not have my license yet. I have been holding of for a while because I know that I will not be able to afford the insurance right now. My dad does have insurance and when I do get insurance, it will be on his policy. Although I know it will be alot because I am a 19 year old male, I really cant guess how much approximately it will be. Also, how much would it be if I were to get my own car and car insurance? ( something small and used, nothing fancy). Any help would be great. Thanks in advance""

Car accident with no insurance?

I was stopped at a red light behind two cars. Both cars started to go and so did I the next thing I knew I had hit the car in front of me. The car in front of me hit the car in front of him. We all pulled over my car isnt to bad but I drive a suburban, the car in front of me was a smaller car so his looked a little worse. Nobody was hurt, and all cars were drivable, so we decided to not call the police we just all exchanged information. After we had finished and they left I immediately called my insurance lady to let her know what happened. I am not super clear on this next part, we have been going back and forth with our insurance since that call and will continue to fight it. When I called the insurance lady she said I wasnt covered. She said that they had received the last payment much later than it was due (not sure how because it was mailed the same time as always) but because of that our insurance had been cancelled. A couple of weeks ago they had chased our check, she said we were reinstated as of yesterday (the day of the accident) but because it was the same day they werent liable to pay the damages. We are going to keep fighting them because I dont think its fair. Even if they decide that they wont pay we can afford to just pay for the damages to the rear end of the car in front of us, because know matter what happened I am at fault for following to close. We cant afford to pay out of our pocket also for his front end and the rear end of the first car. Shouldnt those damages be covered by the car I hit because he was obviously following to close to the car in front of him? Im a little freaked out with all this, this is the first accident I have ever been in and we have always had insurance, so we thought. The insurance company did say they mailed us a cancellation notice but if they did we have never received one.""

Do you need insurance for a day when you buy a car?

I m planing to buy a car and i want to know if i need insurance just to bring the car home, a one day insurance or something like that??""

Appeals for insurance company?

i was wondering on average how long does it take for a car insurance company to process appeals if someone knows it would be greatly appreciated

Whats the best way to check multiple car insurance quotes at once?

last time i got car insurance, i went to a broker type place, there, the guy used a website to find me the cheapest car insurance, do any of you know which website this is?""

How can I get car insurance without a guardian?

I live with away from my parents, Im almost 18 but not there yet. How can i get car insurance without having a guardian?""

A GOOD first car that is great for insurance?

i need a car that will b a good first car for a 16 year old male. it has to be reliable, safe, low cost, and has to have low insurance. any suggestions?""

Help in family health insurance in Indiana?

I have a family of 4, My wife and I make about $20,000 a year. Right now, we have to pay $350 a month for health insurance. We already applied for HIP insurance, but it've been 2 years, and they have no positive answers for us. I feel $350 a month is too expensive for us right now, this insurance only pay for us when we have to pay over $10000 at a hospital. For example, if we have to pay $14000 for health, we pay $10000 and they pay $4000 ; anything under $10000, they won't pay. Please help us with our situation, Are there any other options out there. Thank you very much""

What is the best kind of life insurance?

should one buy to take care of their final expenses . What is term life ins? I am in my 60's and don;t want to burden my children to have to pay for my funeral someday.

What is the average cost for car insurance for a first time driver and where can I get it?

What is the average cost for car insurance for a first time driver and where can I get it?

What kind of insurance to get?

I come from a low income family and my health insurance is called Healthy Families. Its really basic and only covers check ups, physicals, and other things in community health clinics. I have several moles I that I would like to get checked out at a dermatologist and some help with my acne as well but I hear that dermatologist visits can get expensive. What kind of insurance can I get that won't break the bank?""

Cheaper car insurance?

I'm was just checking the insurance (third party only) for a Renault Clio 1.2L, 54 reg and the prices were like 3500-4500!!! That's more expensive than the car itself. I thought that for a relatively small car the insurance wouldn't have been that expensive. Bearing in mind that I've just passed my practical I still think these prices are ridiculous! Is there any way I can make the insurance cheaper? Thank you!""

How much will my liberty insurance go up?

i'm 17, have had my ma junior operators license for 10 months. i was driving home, when in a thickly settled area i saw a motorcycle getting ready to pull off the sidewalk, i was keeping an eye on him to make sure he wasnt going to pull out into my lane, when i looked up and saw that the car in front of me had come to a dead stop, at a greenlight, bc a pedestrian had taken a step into the crosswalk. my vehicle hit the one in front of me, which pushed into the one in front of him. Pretty bad damage, speed was around 25-30mph. Right now i'm listed as an occasional operator on my dad's insurance (clean record). Its liberty mutual, just curious how much itll increase per year since im young. i wasn't cited, no injuries.""

What type of insurance i need for a driving test does it have to be a full coverage?

do i need to bring a vehicle with full coverage insurance or could my car that only has a cheap insurance plan work for the DMV's driving test

Whats a good car with low insureance and good gas mileage!?

im looking for a car that had good gas mileage and low insureance. i was really looking into a jeep and trucks and some cars.. that looked sporty.. but i know sporty cars have high insureance.. im looking for somthing that will be a good first car..but im not sure...

I need help with Car Insurance... Please!?

I am a 17 year old male in the UK and have just passed my test on september 2012. I cannot get insured anywhere because they are all charging me at least 500 pound a month to be insured on my mams car (Corsa SXI 2002), i cannot afford this... obviously. I have tried almost every car insurance site and i cannot seem to find any cheaper than 500 pound a month! It is very frustrating because i am a very sensible driver. I need some help!!! Is there any cheap cars that i can buy that will make the insurance cheaper? Can you recommend any cheap or used cars that have cheap insurance for young drivers? Can you recommend any good insurance sites for young drivers? Please any help will do!!! Thank you""

Estimate on drivers insurance?

Hello, i'm 16 years old and about to get my license any ideas on how much insurance would cost me? My family has Allstate and i can qualify for the good student discount.""

Considering leaving Allstate Auto insurance, anyone have a suggestion?

It seems that Allstate is a bit expensive, of course I know it's based on what type of car and such. I wanted to know if anyone has better experience with perhaps State Farm, Progressive, etc...?

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