Can a company up your premium if you ask in-depth questions?

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PostPosted: Sun Dec 16, 2007 2:44 am   Post subject: Can a company up your premium if you ask in-depth questions?  

And by in-depth, I mean; you have a clean bill of health and you don't smoke, and you start asking them; "Will smoking increase the premium?" or "If I take a job here will it increase?".



But you don't actually do those kind of things, just ask the question. Could they increase the premiums due to you asking them often enough because they think you might take it up in the future?



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Quenlin
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PostPosted: Sun Dec 16, 2007 2:50 am   Post subject:   

If it is health related and they would have to pay for it, yeah I think they can ask just about anything, just like when they ask about pre existing conditions.



It is almost saying okay you have 10 speeding tickets, you are more likely to have an accident. Points on your license = higher premuims, or do you live in a flood zone for home owners insurance, if they think it is a risk, they can ask it. Hope this helps.

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PostPosted: Sun Dec 16, 2007 5:37 am   Post subject:   

I meant you, the one getting insured, asking the questions to the insurer itself. Not the other way around.



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I have a new personal crusade. I'm going to hunt down the people who have strong opinions on subjects they don't understand. Then I'll bop them with this cardboard tube.- Dogbert



I ain't a legal expert, take what I say with a grain of salt.
Quenlin
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PostPosted: Sun Dec 16, 2007 3:42 pm   Post subject:   

Quenlin...they can't rate you for just asking questions...they might think it a little odd ha ha.. Razz .but not for just asking..... Smile

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PostPosted: Mon Dec 17, 2007 12:28 am   Post subject:   

Alright, thanks again Lori, you're a really great help on this forum.



_________________

I have a new personal crusade. I'm going to hunt down the people who have strong opinions on subjects they don't understand. Then I'll bop them with this cardboard tube.- Dogbert



I ain't a legal expert, take what I say with a grain of salt.
Quenlin
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Quenlin

Joined: 13 Dec 2007
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