Life Insurance No Physical Exam
Reader’s Question:
Is it possible to have a life insurance, no physical exam needed? Also, I would like to know how insurance companies will compute my premium.
Alberto
Houston Texas
Some feel nervous or uncomfortable when they are inside a clinic but the can still have avail a policy through a life insurance no physical exam deal. This is a relatively recent addition to the deals which insurance companies offer. The downside of this deal is that it offers a low coverage compared to the amount of premium that you will be paying. Like any other deals, a life insurance no physical exam deal provides you with a period wherein you can still modify the contract. During this period, you may opt to switch to a different type of policy. The extent of the changes allowable, however, varies from one carrier to another.
To be able to acquire a life insurance no physical exam deal, you will have to allow the insurance underwriters to access your previous medical records. You will not be required to go to the hospital yourself as they will be the ones to do all the data retrieval. All you have to do is tell them which hospitals have your medical records. You must tell them which hospitals have you been admitted to and the doctors that you consulted with. Your premium will be based on your risk level.
The basic rule in computing your premium: the higher your risk level is, the greater premium you have to pay. Insurance carriers rate your premium according to several factors. One is you weight. If you are under- or overweight, your premium is expected to be higher. The premium is higher for obese applicants since they are more likely to file claim.
Another factor that companies look into is your smoking habit. You will usually be asked if your smoke or not or if you used to smoke and has recently quit. Statistically, smokers live shorter lives. This factor can have huge impact on the amount of premium that you will be paying.
SR22 Auto Insurance Quote
Reader’s Question:
Is an SR22 auto insurance different from an ordinary insurance?
Esther
Austin TX
An SR22 insurance policy is technically not a type of insurance but rather a proof required by the state verifying that an individual is maintaining an auto insurance liability coverage. It is a form filed by an insurance company stating that an auto insurance liability coverage is in effect for those individuals who was involved in an accident or convicted with a traffic offense such as driving under the influence of alcohol or DUI.
Each state has different forms of an SR22 according to their minimum insurance requirements. But, nothing is necessarily special in terms of coverage between an SR22 insurance and an ordinary auto insurance policy. What sets an SR22 insurance buyer from the average auto insurance policy buyers is the filing of an SR22 in which a certificate is issued by the insurance company as mandated by the state or court.
There are several factors that affect SR22 insurance quotes. The special filing of an SR22 and the insurer’s impression of a higher risk driver to anyone filing for an SR22 form are one of those factors affecting its cost. Most likely, an auto insurance with SR22 cost more than your regular insurance policies. However, there are still possible ways to get cheaper auto insurance rates even with an SR22. You need to shop around for affordable SR22 insurance quotes. You can look for a licensed insurance broker or agent who can assist you with good SR22 insurance quotes. The Internet is also a good source of information pertaining to SR22 insurance. In fact it is the quickest and fastest way to compare for SR22 rates. But whatever is your approach of shopping for affordable SR22 insurance rates, be mindful of keeping your SR22 coverage current. Pay your premiums on time to avoid further risks to additional verdicts.
Buy SR22 Insurance In Texas
Reader’s Question:
Why does my father have to buy SR22 insurance here in Texas as part of his car insurance? Please help me because I don’t really understand what this SR22 insurance is for.
Shane
Beaumont, TX
A lot of motorists are being required to buy SR22 insurance for numerous reasons. In Texas, SR22 is a form that proves to the Department of Public Safety (DPS) that a person has car insurance. In case a person has been caught driving without insurance, he/she will be asked to buy SR22 insurance. Also, if a person got convicted for Driving While Intoxicated (DWI), he/she will be required to buy SR22 insurance. Don’t feel that it’s a total disaster if your father has to buy SR22 insurance, but it makes harder for him to get car insurance and he would most likely pay more than most motorists.
The insurance company would normally add a particular amount to the car insurance policy if a person is required to buy SR22 insurance. You father will be considered as high risk by insurance companies so he would have to spend more for his coverage. If you feel that this is unfair, just think that your father committed a mistake and have to go through it for a certain period. If he will buy SR22 insurance, this will guarantee that he has car insurance and it will give protection for automobiles and properties. Many people are having economic problems in case an accident is caused by someone who doesn’t have insurance. So with SR22 as part of car insurance, motorists would feel the security they need against those who don’t have insurance.
Tags: car insurance, DWI, SR22 insurance
Rental Car Insurance El Paso Texas TX
Filed under: Cheap TX insurance, TX car insurance, Texas SR22
Reader’s Question:
I am just wondering what the car insurance policy cover when I use rental car? I live in El Paso, Texas.
Danny
El Paso, TX
Its a good question Danny.
It actually depends on your car insurance policy.
It would be best if you speak to your car insurance agent in El Paso, Texas to better explain what your car insurance policy covers when you rent a car or you may go over or review your car insurance policy. Your car insurance policy may not cover cars rented for business; it may cover for pleasure, like special events or vacations.
If you do not have the physical damage coverage of collision and comprehensive coverage for your own automobile, you may not have coverage for a rental vehicle. And if you damage a rental vehicle, your car insurance policy may not cover lost revenue the rental vehicle company incurs while the rental vehicle is being repaired; or the cost of a new vehicle if you total the rental automobile.
Tags: auto insurance, rental car insurance
Teen Automobile Insurance Beaumont, Texas TX
Filed under: Cheap TX insurance, TX car insurance, Texas Non owner insurance, Texas SR22, Texas teen insurance
Reader’s Question:
Im 19 years old and I just got my drivers license and I am just wondering if I need to get car insurance in Beaumont, Texas for the driving test or it is okay as long as the car that I will be using is insured. I will be using my mother’s car.
Mary
Beaumont, TX
I suggest that you verify with the Texas Department of Public Safety what kind of insurance you will need for driving test. Your mother’s insurance carrier will likely require to be listed in her car insurance policy so you may be covered while driving your mother’s vehicle.
According to the Texas Department of Insurance, young drivers may be able to satisfy the financial responsibility law by being added to their parent’s car insurance policy. Your mother may expect an increase on her car insurance policy if she adds a teenager to her car insurance policy but it is much cheaper than getting a separate policy.
I suggest that you make sure that you are added to your mother’s car insurance policy in Beaumont, Texas by contacting her insurance company to make sure you will be covered in case accident happens. Insurance companies require policyholders to list all licensed household members to their car insurance policy because if they do not and the insurers finds out later, the insurance carrier will charge the policyholder for the extra premium that should have been paid.
Tags: cheap auto insurance, Student car insurance, teen insurance, Young driver car insurance
Auto Insurance Company Galveston, Texas TX
Filed under: Cheap TX insurance, TX car insurance, Texas SR22
Reader’s Question:
I purchased new car and I put a collision coverager on it. I am financing part of the car’s purchase price through a finance company. My question is why does the finance company get paid the full amount of the value of the vehicle if the automobile gets into a collision? I mean if they get the full amount of the vehicle, I will get nothing meaning whatever I paid for the vehicle will be lost and Ill be empty handed? I live in Galveston, TX.
John
Galveston, TX
Your finance company holds the title to your car until your loan is paid or satisfied. If your car is totaled, the check will most likely be issued both on your names. Whatever amount is left after your loan is paid would go to you. Your insurance carrier in Galveston, TX will determine the value of your car at the time of a loss and pay that amount to the finance company and to you. Most of the time, as soon as you leave the dealership the value of your car depreciates. So you may be upside down as soon as you leave the dealership lot if you were to get into an crash. You can buy GAP insurance in order to protect yourself from that type of loss. This will cover the difference of what you paid for the car and what the actually value is.
Tags: auto insurance
Teen Auto Insurance El Paso, Texas TX
Filed under: TX car insurance, Texas SR22, Texas teen insurance
Reader’s Question:
I am 19 years old and my father is letting me have his vehicle. He is financing it through a bank and makes the monthly payments. Is it possible to buy my own auto insurance on the car even though the vehicle is in his name? We live in El Paso, Texas.
Michelle
El Paso, TX
It can be hard to find auto insurance for a vehicle that you do not own and therefore do not have your name on the title. Most insurance providers typically will want you to have insurable interest in the automobile in order to get car insurance on it. Having insurable interest means being an car owner, lien holder or co-signer.
If you do not have insurable interest in the vehicle, you may still be able to get auto insurance on the car in El Paso from other insurance providers. In some cases some insurance companies will permit you to buy an auto insurance policy even if you do not own the car.
Tags: auto insurance, teen insurance
Auto Insurance Northwest Harris, Texas TX
Filed under: Cheap TX insurance, TX car insurance, Texas SR22
Reader’s Question:
My mother passed away and I would like to know how long do I have to change the car insurance under my name in Northwest Harris, Texas.
Ben
Northwest Harris, TX
Sorry for the loss of your mother. Since terms of auto insurance policies vary you will need to check from your mother’s insurance company in Northwest Harris, Texas how long you have to change over the car insurance policy and what steps to take to have the auto insurance policy for at least your car under your name.
Normally a car insurance policy cancels upon the death of the policyholder, usually by the request of the estate.
It is important in your case to read over the insurance policy issued to your mother. If you need more informations, you may contact your mother’s insurance agent or company for verifications and information on what the process is now that your mother has passed away.
Tags: auto insurance
Auto Insurance Claim Harlingen Texas TX
Reader’s Question:
I am married and I would like to know if its required to have my husbands name on the policy. We have two vehicles and only my name is on the car insurance on both vehicles. If an accident happens, does it go against my driving record only? We live in Harlingen Texas.
Meyer
Harlingen, TX
If you are married normally you would want both spouses’ names to be on the auto insurance policy. It may be up to the car insurance company’s procedures but if both you and your husband will be driving the cars then both of you will most likely need to be on the insurance policy. If your name is listed as the policyholder on both insurance policies then your husband would need to be listed as a driver for the vehicles.
If your were to buy an auto insurance policy in the future and you are excluded, then your accident most likely will not affect him. But, with a comprehensive claim some insurance company may consider it as an insurance claim for the household – even if you are not listed on the insurance policy as a driver. You may consult your insurance carrier on how they will handle this type of situation.
Tags: auto insurance claims
Non Owners SR22 Insurance Amarillo Texas TX
Filed under: Cheap TX insurance, TX car insurance, Texas Non owner insurance, Texas SR22
Reader’s Question:
The insurance coverage on my car has lapsed. It is not not insured at all currently. My friend has a non-owners auto insurance policy with the sr-22. Can my friend drive my vehicle legally with only the non-owners insurance, or is my car required to have its own insurance policy if it is to be driven? I’m in Amarillo, Texas.
James
Amarillo, TX
According to Texas state law, which is the same to most states, every owner and driver of a vehicle must maintain financial responsibility (insurance). If your friend got involve in an accident that was their fault the car’s insurance (thus you as the owner) would be primary. If the car did not have insurance the individual hit could go after you, the owner, personally for the cost of repairs, medical, etc.
Your friend’s non-owner SR22 will be secondary on whatever car he or she drives. So your friend will have to make sure that the car has auto insurance on it as well.
Tags: auto insurance, non owners insurance, sr22 car insurance