http://backend.userland.com/rss092 http://www.ampminsure.org/rss/community.xml Find latest contributions made by the members of the AmPmInsure community right here. You will find interesting discussions on insurance matters unique to each individual case. lakemen@ampminsure.org Tue, 14 Feb 2012 05:08:44 GMT en-us http://www.ampminsure.org/start/about18046.html http://www.ampminsure.org/start/about18046.html I run a small food van company with six employees. All my drivers have chaufer’s license. A few days ago, one of my model employees was charged with a DUI. It was his first offense. He has no previous records and he was driving his own vehicle on his own time when he was charged. His BAC was .18. The court has sentenced him with a fine and mandatory AA attendance for 12 weeks. Somehow, my insurance company got wind of this chain of events and they called me up to say that my employee cannot be a... http://www.ampminsure.org/start/about18045.html http://www.ampminsure.org/start/about18045.html Buttery senior healthcare is recruiting consultants in my area and I can not find any information online about them. Wondering if this is a new organization created by Lexicon senior healthcare since they are under editing by industry for unethical sales tatics? Any info would be helpful. http://www.ampminsure.org/start/about18044.html http://www.ampminsure.org/start/about18044.html what is a deductible? and what is a premium what is the difference between the two? http://www.ampminsure.org/manage/about18037.html http://www.ampminsure.org/manage/about18037.html I have a homeowners policy drawn out on my 200 year old country house worth $870,000. The current policy states that I’m covered by ‘functional replacement cost’. I was shopping for a new carrier with better premium rates and my agent got me an excellent quote. The only difference is that the new policy covers me for the ‘Actual Cash Value’ of an loss I incur. Is ACV a better option than FRC? Or do I stick to my old policy? http://www.ampminsure.org/start/about18034.html http://www.ampminsure.org/start/about18034.html I know some folks that were sold universal policies that they were told would be andquot;paid upandquot; after paying premiums for ten years in which case they no longer will have to pay premiums after that time. These are large policies, and my understanding is this is not correct. After 10 years it starts paying out of the cash value which would reduce the death benefit. Correct? Incorrect? If incorrect, why in the world would an insurance write a contract that allowed the policyholder to stop r... http://www.ampminsure.org/manage/about18021.html http://www.ampminsure.org/manage/about18021.html Does my HO policy cover the theft of precious stones, art and electronic goods? The house belongs to me but my husband purchased the policy. http://www.ampminsure.org/manage/about18019.html http://www.ampminsure.org/manage/about18019.html The gas grill in my kitchen exploded and took out almost half of the kitchen and dealt severe damage to the roof. I wouldn't say it was my fault since the thing just blew up 5 minutes after I had turned it on. Will my homeowners policy cover the damage as well as the grill? http://www.ampminsure.org/claims/about18017.html http://www.ampminsure.org/claims/about18017.html I have been out of work for the last 3 years. COBRA ran out and I have been without health insurance for the last 3 months. I just cant afford health insurance and people are telling me that the new health reform makes it mandatory for everybody to purchase health insurance. My unemployment benefits would run out in a few weeks. I don't know what to do. Help? http://www.ampminsure.org/start/about18015.html http://www.ampminsure.org/start/about18015.html I was in a car accident the car hit me hard and in the police report it says I was at fault there was no injurys at the scene and the truck just had a broken light and dented bumper my car was more damaged sence she hit me my question is I don't have insurence... is it possible they'll sue me knowing I don't have nothing to pay them with?? It would cost them more to complain right? Im 19 and broke http://www.ampminsure.org/start/about18006.html http://www.ampminsure.org/start/about18006.html I was in an accident in which the person on my right sped up and got in front of me while we were both about to make a right turn. I had the right of way and the other person also admitted to being completely at fault since he was distracted. I have a copy of the police report which back up my claim. I filed the claim with his insurance company and a couple of days later I was told that they would cover only 70% of the cost since I was the one who had struck his car. I think it’s a little unfair...