ENOUGH ALREADY!!!

by Lori » Tue Apr 21, 2009 08:22 pm

I would like to make a suggestion that we as a community (the admins really) do one of two things…Either come out loud and clear proclaiming this site dedicated to insurance querys regarding insurance in the US and the USA only…OR add another discussion topic for ‘’ALL" questions regarding insurance OUTSIDE the US…Then we mods can dump all of those threads in that area…and anyone with the knowledge about that particular country can answer those questions…

I’m sick to death of seeing threads with answers that ‘might’ fit an insurance question regarding India…or might not..and visa versa, questions that pertain to India/Canada where-ever (maybe) with a US answer…I’m not even confident we have a solid knowledge base for other countrys but I do know I don’t know anything about insurance laws in other countrys and doubt many do…

Please I beg you before I jump from the next high rise I’m see…Please address this GROWING problem….(sorry but geeeeeeeeeze this is driving me nuts!!)

Total Comments: 22

Posted: Wed Apr 22, 2009 12:42 pm Post Subject:

I think either the OP should make it clear what country the question is about or the person responding should ask if it makes a difference.

I agree although they don't know most of the time...

That is, I don't see a question about something that occured in India, Canada, etc is any different then a question about something that happened in Arizona, Maine or any other state.

Todd I have to disagree, shoot you know that laws differ state to state...maybe you aren't seeing the threads I'm seeing, (ie driving record has NO affect on ins premiums ONLY the vehicle ! :shock: )...

I think grouping them into a forum just for that country amounts to deleting them

I wasn't clear I don't mean a forum for each country, I mean one forum for ALL questions regarding any OTHER country outside the US...In fact I would LOVE to see a required field on all new treads (like you have put a subject line in or it won't take) that REQUIRES the poster to put in CITY-STATE-COUNTRY...

I think we can introduce the idea that the poster has to state his/her state of residence at the time of posting. This, IMO, would solve many issues.

ABSOLUTELY..

they might well choose USA instead of their own country

why would they do that? they wouldn't get a correct answer doing that or even want one, what on earth would be the purpose of that?

...But in general a person who is from India/US/Canada is also capable (equally) of answering the questions pertaining to any other country when the question is really a 'general' category.

I don't think so...Tell me is auto insurance required in India?, Africa, Canada? If so what are the miniums? What are the consequences if you are uninsured? Do they all have UMBI< UIMBI?
What are the BI statute of limitations in thesey (any) country? What are the auto accident negligence laws? I KNOW from reading many threads that life insurance isn't even close to the states. Are their deductibles on these policys? Do you have to have homeowners insurance? Can you by a broad form or just named peril and if so what are the perils in Cuba? See this is my point, I don't think we can say they (even general rules and laws) are alike...when they clearly have their own set of rules, laws and regulations...

Ari, (and a couple of other regular posters) are a wonderful exception in that they have great knowledge of more than one countrys ins regulations...and are perfect to field these questions..

So let us wait what our 'mod' takes decision about it.

It's not up to me I'm just griping.. :roll:

Lori- since you started this, whaddya think?

I think there should (minmally) be a required field when starting a thread (guests don't register so cannot get it there consistantly) that asks for state, country, providence whatever. So that we have SOME idea what we are answering..

I don't know squat about computers but cannot imagine that it would be too difficult, the subject line is required, can't we just make one more required field?

Posted: Wed Apr 22, 2009 02:09 pm Post Subject:

auto insurance required in India?

Yes !! It is mandatory here while purchasing the vehicle.And the cost of insurance is included in the total cost when one purchase a brand new car/motorbike/farming equipments etc.

It is also applicable when one purchase a 'used' vehicle.

If so what are the miniums?

the personal accident cover is upto Rs. 2 lacs for a premium of Rs. 100.and person can even increase that with the premium.

What are the consequences if you are uninsured

If one gets hit by the driver who is uninsured, then in that case government does pay from the pool.

Do they all have UMBI< UIMBI?What are the BI statute of limitations in thesey (any) country?

damage to third party property for Rs.7.5 lacs under Commercial vehicle and private and Rs. 1 lakh for Scooters / Motor Cycles.

Do you have to have homeowners insurance?

When one purchase home on mortgage, mortgage companies has made it mandatory to purchase homeowners insurance.

what are the perils in Cuba?

frankly i am not aware.

i have only told all the details about India. :arrow: :arrow: :arrow:

Posted: Wed Apr 22, 2009 03:39 pm Post Subject:

Why not a separate forum just for questions regarding issues that happen in the US? I'm against breaking out posts as I think it tends to send a message that this forum is mainly for one certain country. Perhaps most of the knowledge relates to the US but I don't think this necessitates a separate forum for non-US posts.

I don't think so...Tell me is auto insurance required in India?, Africa, Canada? If so what are the miniums? What are the consequences if you are uninsured?

Tell me what those are in Michigan :lol: . Keep in mind that questions are not just auto related. If I answer a question I usually ask where the accident happened if I think it makes a difference. Sometimes I forget how big the world is and it turns out that the question is related to another country. If this turns out to be the case then I don't see it as my fault.

I agree 100% with InsTeacher, having people enter where they are living when they register and including this information along with their username in the post would be a great idea. But it gets a little dicey as the question should only be asked on a new post, not replies. It would not work to have people enter this info when they register as many new posters don't register, only enter unique usernames.

Posted: Thu Apr 23, 2009 09:44 am Post Subject:

Hi all,

Lakemen would perhaps choose to wait and then come up with something concrete.

How would we protect ourselves from being faked in such cases?

We'd definitely need to track the source of posts.

Roddick

Posted: Thu Apr 23, 2009 11:48 am Post Subject:

We'd definitely need to track the source of posts.

Yup, that would be quite a job for the ol boy. :wink:

But, yeah, things need to be solved since its disrupting the function of the community. I'd support Chris's point of view that its better to stay away from commenting on the posts that we are not aware of than posting wrong information.

Posted: Thu Apr 23, 2009 12:41 pm Post Subject:

It would not work to have people enter this info when they register as many new posters don't register, only enter unique usernames

I agree and why I suggest that a manditor field be added to start a thread, that requires this information (ie minimally the country)....

damage to third party property for Rs.7.5 lacs under Commercial vehicle and private and Rs. 1 lakh for Scooters / Motor Cycles-If one gets hit by the driver who is uninsured, then in that case government does pay from the pool. -the personal accident cover is upto Rs. 2 lacs for a premium of Rs. 100.and person can even increase that with the premium. -

I still don't know what that all means...see what I mean about insurance laws and regulations ARE significantly different in other countrys...

Why not a separate forum just for questions regarding issues that happen in the US?

Fine with me...I just think we need a way to make sure we are accruately answering the questions and if we have no idea what country they are in we CLEARLY are not answering them correctly...

that its better to stay away from commenting on the posts that we are not aware of than posting wrong information.

Except that would require zero comments unless the state/country of origin are posted which they are not about 90% of the time...

Would we agree then that it would be of great benefit to the site if there is a manditory field when starting a new thread that requires the poster to minimally list the country that the question pertains to?

Posted: Fri Apr 24, 2009 07:06 am Post Subject:

Would we agree then that it would be of great benefit to the site if there is a manditory field when starting a new thread that requires the poster to minimally list the country that the question pertains to?

Lori, I hope you're suggesting that there be another field called 'country' along with the fields associated with the poster's name, subject and message body. But then, what would you do if it's a problem concerning a particular state within the country?

Posted: Fri Apr 24, 2009 11:46 am Post Subject:

But then, what would you do if it's a problem concerning a particular state within the country?

I said minimally country...i would love for it to say, ''city, state, country''

Posted: Fri Apr 24, 2009 01:38 pm Post Subject:

i would love for it to say, ''city, state, country''

:arrow: Like this... :idea: :?: :!:

Property Tax FRAUD
Clearwater, Pinellas County, Florida USA

What the Gubment Say...

What the Gubment actually Do...

What YOU better understand.

Posted: Sat Apr 25, 2009 05:44 am Post Subject:

Hi,

..i would love for it to say, ''city, state, country''

But then there would be too many fields to be filled up by the user before he actually reaches the message body. Don't you guys think ours would then be quite a different forum than the prevailing ones?

Total Comments: 22

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